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Dec 30, 2020 19:49
3 yrs ago
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русский term

Кредитный договор об открытии кредитной линии с установленным лимитом выдачи

русский => английский Право/Патенты Финансы (в целом)
Название договора:

Кредитный договор об открытии кредитной линии (с установленным лимитом выдачи) от [дата]

Забыл, как это переводится:

Credit Facility Agreement (with fixed disbursement/available/availability limit)?

Discussion

Oleg Lozinskiy Dec 30, 2020:
What Is a Line of Credit (LOC)? A line of credit (LOC) is a preset borrowing limit that can be used at any time. The borrower can take money out as needed until the limit is reached, and as money is repaid, it can be borrowed again in the case of an open line of credit.

A LOC is an arrangement between a financial institution—usually a bank—and a client that establishes the maximum loan amount the customer can borrow. The borrower can access funds from the line of credit at any time as long as they do not exceed the maximum amount (or credit limit) set in the agreement and meet any other requirements such as making timely minimum payments. It may be offered as a facility.
https://www.investopedia.com/terms/l/lineofcredit.asp
Oleg Lozinskiy Dec 30, 2020:
А в чём состоит принципиальная/смысловая разница ...между "кредитом"/"кредитной линией"/"займом"/"выдачей займа" с точки зрения перевода этих терминов на английский язык?

Proposed translations

9 мин

open credit line with fixed limit/ceiling

Lots of ways of saying this, but I'd stick with "open credit line" since the Russian seems to be a translation from English.
Peer comment(s):

neutral Oleg Lozinskiy : Lots of ways of saying this in English. BTW, a 'LOC Agreement' (in English - U.S. SEC's guidance) seems to have the same meaning (in regard to the term requested to be translated).
1 час
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23 мин

Limited loan disbursement agreement

Peer comment(s):

neutral Oleg Lozinskiy : Вроде бы на русский язык 'limited loan disbursement agreement' переводится как 'договор о выдаче займа с ограничительными условиями'. Или это не так?
1 час
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+1
2 час

Credit Agreement on Opening of the Credit Line with Fixed Disbursement Limit

Что вижУ, то и перевожУ.

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Note added at 2 час (2020-12-30 22:48:33 GMT)
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Можно (для краткости перевода) воспользоваться термином LOC Agreement (если подойдет для целей клиента/заказчика), поскольку:

A line of credit (LOC) is a preset borrowing limit that can be used at any time. The borrower can take money out as needed until the limit is reached, and as money is repaid, it can be borrowed again in the case of an open line of credit.

A LOC is an arrangement between a financial institution—usually a bank—and a client that establishes the maximum loan amount the customer can borrow. The borrower can access funds from the line of credit at any time as long as they do not exceed the maximum amount (or credit limit) set in the agreement and meet any other requirements such as making timely minimum payments. It may be offered as a facility.
https://www.investopedia.com/terms/l/lineofcredit.asp

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Note added at 3 час (2020-12-30 22:56:38 GMT)
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С примером 'Line of Credit Agreement', рекомендуемым U.S. SEC можно ознакомиться по адресу: https://www.sec.gov/Archives/edgar/data/1094572/000119312508...
Note from asker:
Не знаю, почему должно присутствовать именно line of credit, когда в английских оригиналах, составляемых в зарубежных офисах юр. фирм, всегда пишут [credit] facility agreement с разными вариациями. И вопрос мой касался именно "с установленным лимитом выдачи"...
Peer comment(s):

agree Natalia Potashnik : В переводе должно присутствовать "line of credit (LOC)" так или иначе. Этот банковский термин здесь все определяет.
16 час
Thank you, Natalia!
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19 час

Preset Borrowing Limit Line of Credit Loan Agreement

IMHO
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Reference comments

2 час
Reference:

What is an 'open credit'?

Open credit is a pre-approved loan between a lender and a borrower. It allows the borrower to make repeated withdrawals up to a certain limit and then make subsequent repayments before the payments become due.

Borrowers prefer open-end credit because it gives them greater control over the amount they can borrow and the repayment period. Interest is only charged on the credit that the borrower has used, and the borrower does not incur costs on the unused credit.
https://corporatefinanceinstitute.com/resources/knowledge/cr...
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