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inscription intercalaire

English translation: (gen.) pre-completion adverse regd. entry; (E&W conveyancing) a regd. caution or mortgage inhibition

GLOSSARY ENTRY (DERIVED FROM QUESTION BELOW)
French term or phrase:inscription intercalaire
English translation:(gen.) pre-completion adverse regd. entry; (E&W conveyancing) a regd. caution or mortgage inhibition
Entered by: Adrian MM.

09:07 Jun 29, 2020
French to English translations [PRO]
Bus/Financial - Finance (general)
French term or phrase: inscription intercalaire
Document about real estate lending arrangements in France.

"A compter de la date du dépôt des documents à publier, et en l’absence de refus ou de rejet non régularisé dans les délais ci-dessus visés, les inscriptions hypothécaires sont opposables aux tiers.
Dès lors, tout risque d’inscription intercalaire, ou de saisie de l’immeuble grevé est écarté."

"AAA devra prendre de nouvelles sûretés hypothécaires, qui prendront rang à la date de dépôt des documents hypothécaires au fichier immobilier, ce qui augmente le risque d’inscriptions intercalaires, qui primeraient alors ses propres sûretés."

"Le traitement juridique ci-dessus précisé dans l’avenant nécessite que le Droit Etranger applicable à la créance permette la même analyse, sans considérer qu’il s’agit d’un nouveau crédit prenant la place de l’ancien.
Dans le cas contraire, cela conduirait à considérer que les sûretés accessoires à la créance initiale sont éteintes en même temps que celle-ci, et que de nouvelles sûretés devraient être prises, avec le risque d’inscriptions intercalaires à un rang préférable à celui de la Banque."

It's clear to me that what this is about is the risk of a charge being taken by a third party over the property in question before the lender involved has managed to established its own.

But how can it be expressed? "Interim charge" surely doesn't convey the meaning in English. I get no joy either from googling "intercalary charge".
Mpoma
United Kingdom
Local time: 08:45
(gen.) pre-completion adverse regd. entry; (E&W conveyancing) a regd. caution > against dealings
Explanation:
> vs. against first registration of the land.

The question on everyone's lips: whether 'intercalaire' is sandwiched between a contract for the sale of land > relevé d'un état hors formalité/ office copy entries of a land search/ and registration of conveyancing completion > publication d'un acte de vente..

Note the differerence beween a caution registered against land and a caveat entered to stop probate of a Will in E&W, a distinction lost on certain Essex firms of Solcitors that shall remain nameless.

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Note added at 4 hrs (2020-06-29 13:38:18 GMT)
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PS to anticipate and pre-empt recycling of the ProZ query asked 15 years ago: completion is not only of the conveyance, but can apply to a lease or *mortgage completion*.

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Note added at 4 hrs (2020-06-29 14:04:28 GMT)
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Well, I'd agree to a prelim. regd. notice of charge, rather than registration of the charge itself.

In fact, in E&W, such a notice is called a 'mortgage inhibition' entered by an inhibitor against an inhibitee but means sthg. slightly different in Scotland.

Most translators & interpreters are 'inhibited' about using such a specialist term, though there's no harm adding the term in brackets for show...

https://www.finance-ni.gov.uk/articles/cautions-and-inhibiti...
Selected response from:

Adrian MM.
Austria
Grading comment
"pre-completion adverse registered entry" ... bootiful, thanks.
4 KudoZ points were awarded for this answer



Summary of answers provided
4 +1(gen.) pre-completion adverse regd. entry; (E&W conveyancing) a regd. caution > against dealings
Adrian MM.
4 +1registration of a mortgage transaction before the sale publication
Francois Boye
3 -1inscription between lines
Lisa Rosengard
2 -1interim registration
liz askew
Summary of reference entries provided
comment
liz askew

Discussion entries: 3





  

Answers


31 mins   confidence: Answerer confidence 2/5Answerer confidence 2/5 peer agreement (net): -1
interim registration


Explanation:
Search Results
Web results

Interim Registration | MACIwww.cishipping.com › registration › registration-types
Mortgages can be registered under the interim registration. If the Bill of Sale and associated Declaration are not delivered to the Registry within 21 days after the ...


liz askew
United Kingdom
Local time: 08:45
Native speaker of: Native in EnglishEnglish
PRO pts in category: 75
Notes to answerer
Asker: Thanks, but please reread my question. I am aware of the meaning of the word "interim"... but it doesn't apply here. "Interim" means "provisional". "Intercalaire" here means "jumping in and getting a charge before we get our stuff done".


Peer comments on this answer (and responses from the answerer)
disagree  AllegroTrans: No, this is not an interim registration but one that precedes that of the sale
7 hrs
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4 hrs   confidence: Answerer confidence 4/5Answerer confidence 4/5 peer agreement (net): +1
(gen.) pre-completion adverse regd. entry; (E&W conveyancing) a regd. caution > against dealings


Explanation:
> vs. against first registration of the land.

The question on everyone's lips: whether 'intercalaire' is sandwiched between a contract for the sale of land > relevé d'un état hors formalité/ office copy entries of a land search/ and registration of conveyancing completion > publication d'un acte de vente..

Note the differerence beween a caution registered against land and a caveat entered to stop probate of a Will in E&W, a distinction lost on certain Essex firms of Solcitors that shall remain nameless.

--------------------------------------------------
Note added at 4 hrs (2020-06-29 13:38:18 GMT)
--------------------------------------------------

PS to anticipate and pre-empt recycling of the ProZ query asked 15 years ago: completion is not only of the conveyance, but can apply to a lease or *mortgage completion*.

--------------------------------------------------
Note added at 4 hrs (2020-06-29 14:04:28 GMT)
--------------------------------------------------

Well, I'd agree to a prelim. regd. notice of charge, rather than registration of the charge itself.

In fact, in E&W, such a notice is called a 'mortgage inhibition' entered by an inhibitor against an inhibitee but means sthg. slightly different in Scotland.

Most translators & interpreters are 'inhibited' about using such a specialist term, though there's no harm adding the term in brackets for show...

https://www.finance-ni.gov.uk/articles/cautions-and-inhibiti...

Example sentence(s):
  • In this Part— “the 1925 Act” means the Land Registration Act 1925(1), “caution” means a caution entered in the register of title under section 54 of the 1925 Act, “cautioner” includes his personal representative.

    Reference: http://www.proz.com/kudoz/french-to-english/law-contracts/57...
    Reference: http://www.legislation.gov.uk/uksi/2003/1417/part/16/crosshe...
Adrian MM.
Austria
Specializes in field
Native speaker of: Native in EnglishEnglish
PRO pts in category: 81
Grading comment
"pre-completion adverse registered entry" ... bootiful, thanks.
Notes to answerer
Asker: Blimey. As I have said before, I hope I never get sued and find you're the plaintiff's counsel. I think you must have scared plenty of junior judges in your time. What about, faute de mieux, simply "charge being taken before the sale is registered" (i.e. as publiée dans le fichier immobilier, which Bridge has as "Land Registry index").


Peer comments on this answer (and responses from the answerer)
agree  AllegroTrans: yes for choice 1; we don't know whether it's a "caution" and the way you word this second suggestion is too Anglo-centric
3 hrs
  -> Thanks. I normally suggest adverse entry as the first 'offshore' English choice for that very reason.
neutral  Francois Boye: your attachment has nothing to do with the issue as defined in French
2 days 9 hrs
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5 hrs   confidence: Answerer confidence 4/5Answerer confidence 4/5 peer agreement (net): +1
registration of a mortgage transaction before the sale publication


Explanation:
https://www.avocat-delhalle.com/la-delicate-question-des-ins...

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Note added at 5 hrs (2020-06-29 14:52:40 GMT)
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Une inscription intercalaire est une inscription hypothécaire intervenant entre le relevé d'un état hors formalité et la publication d'un acte de vente.

Francois Boye
United States
Local time: 03:45
Specializes in field
Native speaker of: Native in FrenchFrench
PRO pts in category: 305

Peer comments on this answer (and responses from the answerer)
neutral  AllegroTrans: Right idea but "sale publication" is wrong - the sale is registered not published, "publication" being a false friend
1 hr
  ->  Une inscription intercalaire est une inscription hypothécaire intervenant entre le relevé d'un état hors formalité et la publication d'un acte de vente.
agree  Chris Pr: Or, "...preceding registry entry...", or "...official entry..."
5 hrs
  -> Thanks!
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1 day 15 hrs   confidence: Answerer confidence 3/5Answerer confidence 3/5 peer agreement (net): -1
inscription between lines


Explanation:
The information is about a property in need of insurance since it is due to be mortgaged. Inscriptions between lines may be a threat which could cause a division which could set the property apart.

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Note added at 1 day 16 hrs (2020-07-01 01:31:58 GMT)
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www.avocat-delhalle.com
"Une inscription intercalaire est l'inscription d'une hypothèque entre le moment où en état hors formalité est requis par le notaire et la publication de la vente. L'acheteur ne peut plus revendre sans risquer de perdre le montant de l'inscription. Le créancier qui vient de perdre une hypothèque risque de perdre le montant de son inscription si le notaire remet les fonds au vendeur."
"An inscription between lines is a dividing inscription, in a mortgage inscription during the initial time of informality, until a notary requires the sale publication. The inscription does not prevent sale. The purchaser can no longer re-sell without risk of losing the total value of inscription. The creditor who has lost a mortgage is at risk of losing the sum amount of his inscription, if the notary re-instates funds to the seller."

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Note added at 1 day 16 hrs (2020-07-01 01:37:13 GMT)
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The inscription is connected with the registration of the property process.

Example sentence(s):
  • Dès lors tout risque d'inscription intercalaire ou de saisie de l'immeuble grevé est écarté. Il devra prendre de nouvelles suretés hypothécaires, qui prendront rang à la date de dépot des documents hypothécaires au fichier immobilier, ce qui aug
  • From then on each risk of inscription between lines or of the case referred about the property to be mortgaged is set apart. Someone must take out new insurance which will attach priority to the date of deposit, as seen in mortgage documents on file ..
Lisa Rosengard
United Kingdom
Local time: 08:45
Works in field
Native speaker of: English

Peer comments on this answer (and responses from the answerer)
disagree  AllegroTrans: Absolutely not. This is about land registration. Your explanatory sentence make no sense at all and your translation of part of the asker's text is completely wrong.
26 mins
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Reference comments


28 mins peer agreement (net): +1
Reference: comment

Reference information:
inscription can also = registration

Wörterbuch der Handels-, Finanz- und Rechtssprache / ...books.google.co.uk › books
Eintrag m (A) [Eintragung] | entry; entering; registration || inscription f; enregistrement m; ... registration (recording) of a mortgage || inscription hypothécaire ...

liz askew
United Kingdom
Native speaker of: Native in EnglishEnglish
PRO pts in category: 75

Peer comments on this reference comment (and responses from the reference poster)
agree  AllegroTrans: Yes indeed, but the text is about a specific type of registration (adverse)
7 hrs
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