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subprime mortgage

Serbian translation: drugorazredni / nižerazredni hipotekarni krediti

GLOSSARY ENTRY (DERIVED FROM QUESTION BELOW)
English term or phrase:subprime mortgage
Serbian translation:drugorazredni / nižerazredni hipotekarni krediti
Entered by: Markojeca

09:43 May 29, 2013
English to Serbian translations [PRO]
Bus/Financial - Finance (general)
English term or phrase: subprime mortgage
Low interest rates motivated many in
the United States to pursue home ownership, a goal long propagated and encouraged by the
government as a wise investment and worthy social objective. Easy credit facilitated by agencies
such as Fannie Mae and Freddie Mac enabled financial institutions to focus on the lucrative
subprime mortgage market. Mortgage lenders initiated a growing number of new home loans,
many of which were granted to individuals with a poor credit rating, who would eventually be
unable to service monthly mortgage payments once interest rates increased.
Markojeca
Serbia
Local time: 06:26
drugorazredni / nižerazredni hipotekarni krediti
Explanation:
Mortgage = hipotekarni kredit (strogo posmatrano, hipoteka je samo zaloga / teret na nepokretnu imovinu, garancija da će kredit biti oplaćen)

subprime = less than "prime" quality = drugorazredni / nižerazredni kredit.
Selected response from:

Daryo
United Kingdom
Local time: 05:26
Grading comment
Hvala najlepše!
4 KudoZ points were awarded for this answer



Summary of answers provided
4 +1drugorazredni / nižerazredni hipotekarni krediti
Daryo
4hipoteka bez garancije
Aleksandra Lazić
4 -1subprimarni hipotekarni kredit
Aida Samardzic


Discussion entries: 5





  

Answers


6 hrs   confidence: Answerer confidence 4/5Answerer confidence 4/5 peer agreement (net): -1
subprimarni hipotekarni kredit


Explanation:
Godinama je u SAD promovisana ideja o ameriĉkom snu, ideja koja je izmedju ostalog podrazumeva da svaka porodica ima kuću u svom vlasništvu. ... Ove transakcije odvijale su se na primarnom hipotekarnom tržištu. Sistem kupovine nekretnina odliĉno je funkcionisao sve do uvodjenja novog subprimarnog hipotekarnog tržišta, koje će ,kao što će se kasnije ispostaviti, biti glavni uzrok nastanka krize na tržištu nekretnina u SAD. ... Razlika izmedju pomenutih tržišta jeste u stepenu regulacije i uslovima pod kojima su plasirani hipotekarni krediti stanovništvu....Banke i druge depozitne institucije u želji da iskoriste trend rasta cena nekretnina i da ostvare veći profit iz svoje primarne delatnosti (plasiranje kredita), inicirali su osnivanje novog pod tržišta, subprimarnog tržišta hipotekarnih kredita. Na novoformiranom tržištu klijenti sa lošim bonitetom mogli su da dobiju traženi hipotekarni kredit.


    Reference: http://www.economy.rs/finansije/3863/SAD--Hiljade-korisnika-...
Aida Samardzic
Serbia
Local time: 06:26
Specializes in field
Native speaker of: Native in SerbianSerbian, Native in BosnianBosnian
PRO pts in category: 8

Peer comments on this answer (and responses from the answerer)
neutral  Pavle Perencevic: Nevezano za značenje izraza, "subprimarni" je pogrešno. Prema pravilu jednačenja po zvučnosti, mora da glasi "supprimarni", kao npr. "supkulturni" ili "suptropski". Nema veze što ima dva p.
14 hrs
  -> potpuno ste u pravu. Mozemo se buniti koliko god, na svim zvanicnim sajtovima i u dokumentima su prihvatili taj izraz, bas tako, pogresan. Kako i zasto, ne bih znala. Valjda nije srpska rec, pa pravila ne vaze :-)
disagree  Daryo: subprimary credit? nepotrebno preuzimanje tuđica, i još povrh svega potpuno pogrešanih! Prime NIJE "Primarni" // primarni je suprotno od sekundarni (po značaju ili po prioritetu) a ovde je reč o "prime" kao "vrhunskog kvaliteta"
19 hrs
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6 mins   confidence: Answerer confidence 4/5Answerer confidence 4/5
hipoteka bez garancije


Explanation:
predlog

--------------------------------------------------
Note added at 7 h (2013-05-29 17:34:46 GMT)
--------------------------------------------------

Ili drugorazredna hipoteka
Taj se izraz koristi u studiji objavljenoj na sajtu ministarstva finansija Srbije
"Inicijalni
povod finansijske krize bili su loši hipotekarni krediti u SAD, odnosno kriza drugorazrednih hipoteka u
SAD."
http://www.mfp.gov.rs/UserFiles/File/dokumenti/GLOBALNA FIN_...

Aleksandra Lazić
Serbia
Local time: 06:26
Native speaker of: Native in SerbianSerbian, Native in Serbo-CroatSerbo-Croat
PRO pts in category: 12

Peer comments on this answer (and responses from the answerer)
agree  Vuk Vujosevic
7 hrs
disagree  Daryo: subprime mortgages su hipoteke s nedovoljnim garancijama, ne bez garancija
10 hrs
  -> Slažem se, drugorazredna hipoteka je bolji izraz
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1 day 1 hr   confidence: Answerer confidence 4/5Answerer confidence 4/5 peer agreement (net): +1
drugorazredni / nižerazredni hipotekarni krediti


Explanation:
Mortgage = hipotekarni kredit (strogo posmatrano, hipoteka je samo zaloga / teret na nepokretnu imovinu, garancija da će kredit biti oplaćen)

subprime = less than "prime" quality = drugorazredni / nižerazredni kredit.


Daryo
United Kingdom
Local time: 05:26
Specializes in field
Native speaker of: Native in SerbianSerbian, Native in FrenchFrench
PRO pts in category: 118
Grading comment
Hvala najlepše!

Peer comments on this answer (and responses from the answerer)
agree  helena golic
19 days
  -> Хвала!
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