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обеспеченность

English translation: The Borrower shalll comply with all the loan terms and

15:46 Jun 3, 2011
Russian to English translations [PRO]
Finance (general) / borrowing
Russian term or phrase: обеспеченность
From a bank loan agreement. The Borrower undertakes "соблюдать принципы кредитования: обеспеченность, срочность, возвратность, платности."

Does обеспеченность refer to the ability to repay the loan?

Thank you!
Emily Justice
United Kingdom
Local time: 11:46
English translation:The Borrower shalll comply with all the loan terms and
Explanation:
conditions with respect to posting collateral and making timely payments of principal and interest. This covers all of these so-called "principles". You can't translate verbatim here because they just don't say it this way in English.

Specifically, "timely" covers your srochnost, "collateral" refers to loan security (obespechennost), "payment of principal" deals with vozvratnost (i.e. repayment of the loan amount itself) and "payment of interest" takes care of "platnost".
Selected response from:

The Misha
Local time: 06:46
Grading comment
Thanks to everyone. I found Misha's answer particularly helpful.
4 KudoZ points were awarded for this answer



Summary of answers provided
5 +3collateralization
Andrei B
4 +2security
rns
4The Borrower shalll comply with all the loan terms and
The Misha
3being secured
Vitali Stanisheuski


  

Answers


12 mins   confidence: Answerer confidence 3/5Answerer confidence 3/5
being secured


Explanation:
Or maybe security.
It means that a loan should be secured with some values, property etc.


Vitali Stanisheuski
Belarus
Local time: 13:46
Specializes in field
Native speaker of: Native in BelarusianBelarusian
PRO pts in category: 8
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1 hr   confidence: Answerer confidence 4/5Answerer confidence 4/5
The Borrower shalll comply with all the loan terms and


Explanation:
conditions with respect to posting collateral and making timely payments of principal and interest. This covers all of these so-called "principles". You can't translate verbatim here because they just don't say it this way in English.

Specifically, "timely" covers your srochnost, "collateral" refers to loan security (obespechennost), "payment of principal" deals with vozvratnost (i.e. repayment of the loan amount itself) and "payment of interest" takes care of "platnost".

The Misha
Local time: 06:46
Specializes in field
Native speaker of: Native in RussianRussian
PRO pts in category: 130
Grading comment
Thanks to everyone. I found Misha's answer particularly helpful.
Login to enter a peer comment (or grade)

1 hr   confidence: Answerer confidence 4/5Answerer confidence 4/5 peer agreement (net): +2
security


Explanation:
i.e. -енность suffix means availability of the property denoted by the root word, "обеспечение" and security as the term to be observed is pretty much it.

rns
Works in field
Native speaker of: Native in RussianRussian
PRO pts in category: 217

Peer comments on this answer (and responses from the answerer)
agree  Alex Marshall
2 hrs

agree  cyhul
8 hrs
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3 hrs   confidence: Answerer confidence 5/5 peer agreement (net): +3
collateralization


Explanation:
Compare the Russian terms
- Обеспеченность кредитования, материальная:
принцип кредитования, означающий, что кредиты предоставляются под товарно-материальные ценности, под расчетные документы, залог имущества и других материальных ценностей, а также под финансовые активы предприятия
- Обязательство, обеспеченное:
обязательство, по которому заемщик предоставил кредитору активы в качестве обеспечения интересов кредитора в случае неуплаты заемщиком долга
- Кредит, обеспеченный:
кредит, возврат которого гарантируется передачей заемщиком кредитору прав на имущество или само имущество или доходы: в случае невыполнения обязательств кредитор реализует обеспечение
http://slovo.yaxy.ru/60.html

with these English ones:
collateralization = pledging of an asset or property as a collateral
http://www.businessdictionary.com/definition/collateralizati...
collateralized loan = loan where the borrower pledges assets
http://www.moneyglossary.com/?w=Collateralized Loan
See also item 2 here:
http://www.businessdictionary.com/definition/collateral.html

Andrei B
Local time: 13:46
Native speaker of: Native in RussianRussian
PRO pts in category: 8

Peer comments on this answer (and responses from the answerer)
agree  Igor Blinov
10 hrs

agree  Vadim Kadyrov
11 hrs

agree  Aleksey Chervinskiy
12 hrs
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