Glossary entry (derived from question below)
Dutch term or phrase:
herschikken
English translation:
redistribute
Added to glossary by
Kitty Brussaard
Aug 29, 2015 16:38
8 yrs ago
1 viewer *
Dutch term
herschikken
Dutch to English
Bus/Financial
Finance (general)
Daar ben ik weer met mijn leningdelen. . .
"Met herschikken bedoelen we dat de klant de leningdelen op een andere manier verdeelt, terwijl de hoogte van de totale lening gelijk blijft."
"Met herschikken bedoelen we dat de klant de leningdelen op een andere manier verdeelt, terwijl de hoogte van de totale lening gelijk blijft."
Proposed translations
(English)
| 3 | redistribute |
Kitty Brussaard
|
| 4 | recast |
LogosART
|
| 4 | renegotiating (the terms and/or conditions of) the loan |
LouisV (X)
|
Change log
Aug 29, 2015 16:38: changed "Kudoz queue" from "In queue" to "Public"
Sep 3, 2015 16:54: Kitty Brussaard Created KOG entry
Proposed translations
7 hrs
Kitty Brussaard
Netherlands
Netherlands
Native in Dutch
Specializes in field
Netherlands
Business Language Solutions
Native in: Dutch (Variant: Netherlands) 
Works in: English to Dutch, Dutch to English, Dutch
Related KudoZ points
:
91
Selected
redistribute
As in: redistribute the various loan parts / parts of the loan.
Or perhaps: adjust/modify the breakdown/distribution of the various loan parts / parts of the loan.
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Note added at 18 uren (2015-08-30 10:59:35 GMT)
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Ook nog even wat achtergrondinformatie opgezocht. Zie bijv. artikel 8 t/m 10 in de voorwaarden voor Basis Hypotheken van ABN AMRO, https://www.abnamro.nl/nl/images/Generiek/PDFs/010_Prive/01_... Kort samengevat:
Wijzigen/aanpassen van een leningdeel met vaste rente kan zowel aan het einde van de rentevasteperiode (boetevrij en binnen dezelfde overeenkomst) als tijdens de rentevaste periode. In het laatste geval krijg je voor dat leningdeel nieuwe voorwaarden en mogelijk ben je ook een boete verschuldigd.
Wijzigen/aanpassen van een leningdeel met variabele rente (d.w.z. omzetting in een leningdeel met vaste rente) is ook mogelijk. Je krijgt dan een nieuwe offerte en er zijn mogelijk gewijzigde voorwaarden van toepassing.
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Note added at 2 days9 hrs (2015-09-01 01:48:45 GMT)
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leningdelen > loan components / components of the loan
samenstelling van de lening > loan composition / composition of the loan
herschikken > adjust the composition of the loan??
Loan components
Your loan may consist of various parts. We refer to them as loan components.
(...)
The characteristics of a loan component are the mortgage type, the interest rate type, the term and the fixed-rate period you have agreed with the bank. Your
mortgage can therefore consist of various interest rate types, mortgage types, loan terms or fixed-rate periods.
Different conditions may apply to each loan component.
The loan offer sets out what conditions apply to each loan component.
https://www.abnamro.nl/en/images/Generiek/PDFs/010_Prive/01_...
You may be unable to transfer the total amount or the composition of your old mortgage to your new mortgage because this would be contrary to legislation,
secondary legislation, the Mortgage Finance Code of Conduct or a particular policy of the bank applicable at any time.
https://www.abnamro.nl/en/images/Generiek/PDFs/010_Prive/01_...
The Dutch mortgage market is the second largest mortgage market in Europe, after the UK. The stable government policy is aimed at stimulating home ownership by consumers and it is fiscally attractive to finance a home purchase with borrowed money in the Netherlands. Consumers can get tax relief on the mortgage interest paid. The favourable conditions are now limited to the first owned home (being the primary residence) and for a maximum period of 30 years. Interest-only loan components and high loan-to-foreclosure values offer consumers optimal tax incentives. The interest-only mortgage accounts for half of all mortgages in the Netherlands. And so-called “top mortgages,” those for 125 per cent of the liquidation value of the property, are often the rule rather than an exception for consumers entering the market.
http://www.mortgagefinancegazette.com/europe/mortgage-servic...
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Note added at 5 days (2015-09-03 17:02:27 GMT) Post-grading
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@Emma: regarding your last entry in the D-box (to which I somehow cannot add anything anymore, probably because the question has already been closed), here's what I think.
In your first link, the term composition - which I suggested as a possible translation for samenstelling - actually seems to be used to refer to the composition of (a bank's) total loan portfolio.
In your second link, the term structure seems to be used with a meaning that comes close to what is meant with samenstelling van de lening in your context.
Therefore, using structure (the loan) differently for (de lening) anders samenstellen might not be such a bad idea after all :-)
Or perhaps: adjust/modify the breakdown/distribution of the various loan parts / parts of the loan.
--------------------------------------------------
Note added at 18 uren (2015-08-30 10:59:35 GMT)
--------------------------------------------------
Ook nog even wat achtergrondinformatie opgezocht. Zie bijv. artikel 8 t/m 10 in de voorwaarden voor Basis Hypotheken van ABN AMRO, https://www.abnamro.nl/nl/images/Generiek/PDFs/010_Prive/01_... Kort samengevat:
Wijzigen/aanpassen van een leningdeel met vaste rente kan zowel aan het einde van de rentevasteperiode (boetevrij en binnen dezelfde overeenkomst) als tijdens de rentevaste periode. In het laatste geval krijg je voor dat leningdeel nieuwe voorwaarden en mogelijk ben je ook een boete verschuldigd.
Wijzigen/aanpassen van een leningdeel met variabele rente (d.w.z. omzetting in een leningdeel met vaste rente) is ook mogelijk. Je krijgt dan een nieuwe offerte en er zijn mogelijk gewijzigde voorwaarden van toepassing.
--------------------------------------------------
Note added at 2 days9 hrs (2015-09-01 01:48:45 GMT)
--------------------------------------------------
leningdelen > loan components / components of the loan
samenstelling van de lening > loan composition / composition of the loan
herschikken > adjust the composition of the loan??
Loan components
Your loan may consist of various parts. We refer to them as loan components.
(...)
The characteristics of a loan component are the mortgage type, the interest rate type, the term and the fixed-rate period you have agreed with the bank. Your
mortgage can therefore consist of various interest rate types, mortgage types, loan terms or fixed-rate periods.
Different conditions may apply to each loan component.
The loan offer sets out what conditions apply to each loan component.
https://www.abnamro.nl/en/images/Generiek/PDFs/010_Prive/01_...
You may be unable to transfer the total amount or the composition of your old mortgage to your new mortgage because this would be contrary to legislation,
secondary legislation, the Mortgage Finance Code of Conduct or a particular policy of the bank applicable at any time.
https://www.abnamro.nl/en/images/Generiek/PDFs/010_Prive/01_...
The Dutch mortgage market is the second largest mortgage market in Europe, after the UK. The stable government policy is aimed at stimulating home ownership by consumers and it is fiscally attractive to finance a home purchase with borrowed money in the Netherlands. Consumers can get tax relief on the mortgage interest paid. The favourable conditions are now limited to the first owned home (being the primary residence) and for a maximum period of 30 years. Interest-only loan components and high loan-to-foreclosure values offer consumers optimal tax incentives. The interest-only mortgage accounts for half of all mortgages in the Netherlands. And so-called “top mortgages,” those for 125 per cent of the liquidation value of the property, are often the rule rather than an exception for consumers entering the market.
http://www.mortgagefinancegazette.com/europe/mortgage-servic...
--------------------------------------------------
Note added at 5 days (2015-09-03 17:02:27 GMT) Post-grading
--------------------------------------------------
@Emma: regarding your last entry in the D-box (to which I somehow cannot add anything anymore, probably because the question has already been closed), here's what I think.
In your first link, the term composition - which I suggested as a possible translation for samenstelling - actually seems to be used to refer to the composition of (a bank's) total loan portfolio.
In your second link, the term structure seems to be used with a meaning that comes close to what is meant with samenstelling van de lening in your context.
Therefore, using structure (the loan) differently for (de lening) anders samenstellen might not be such a bad idea after all :-)
Note from asker:
| That would work. My source text also goes on to talk about "de lening herschikken", but I don't think there's any verb that can let me get away with leaving out the "loan parts" in English. . . |
4 KudoZ points awarded for this answer.
Comment: "Went with "redistirbuting the loan parts". Still debating whether to change to "loan components", I will rap on that for a while over coffee + a pastry. :-)"
7 mins
recast
recast
Note from asker:
| I don't think that's right. There is no mention of bringing in additional funds, and my source text specifically states that the total outstanding amount will not change. |
7 hrs
renegotiating (the terms and/or conditions of) the loan
circumscription appears to be the best way to describe. Recasting may be correct, but I have never heard it being used.
Note from asker:
| I don't think being vague is going to get me there, as the explanation of the term in the source text specifically states it's about 'redividing the pie chart', as it were, but *not* about getting a bigger pie. |
Discussion
This ref http://jeff-for-banks.blogspot.co.uk/2015/04/de-novo-banks-o... suggests that "loan composition" = the different parts making up a loan
But the use of the term here http://csbcorrespondent.com/blog/what-loan-better-your-bank-... suggests it's the full spectrum of terms and conditions: "The above is a clear example of how structure plays in to pricing. Covenants, interest only features, tenant composition, lease composition, prepayment penalties and other aspects of a loan’s composition all play into a bank’s overall risk."
PS. You could also add a modifier like original/initial/proposed to loan / loan composition.
Elders in mijn brontekst staat:
"Hieronder leest u wat de klant of X mag veranderen in de geldigheidsperiode van de offerte.
Bijvoorbeeld als X de lening *anders moet samenstellen* omdat X de oorspronkelijke
aanvraag niet kan goedkeuren."
"Herschikken" is een van de mogelijke veranderingen in het lijstje dat volgt.
Nou vraag ik me af: bedoelt men met "anders samenstellen" herschikken, of is dit breder/vager, en bedoelt men simpelweg "iets veranderen aan de lening" (maar: "iets veranderen" is strikt genomen natuurlijk geen *voorbeeld* van "iets veranderen", tenzij het "bijvoorbeeld" betrekking heeft op: mogelijke situaties waarin de geldverstrekker wijzigingen moet maken) ?
"Anders samenstellen" zou ik in de eerste instantie omschrijven als bijv. "structure differently", maar misschien roept dat te veel de associatie met "restructuring" op, wat weer iets heel anders is.