hors provision

English translation: (charges) without provisional payment

09:29 May 16, 2020
French to English translations [PRO]
Law/Patents - Real Estate
French term or phrase: hors provision
Bail Commercial en l'Etat Future d'Achèvement

The property in question appears to be a logistics centre of some kind in the Parisian region.

"Refacturation des charges

Le Preneur devra verser à la Date de Prise d’Effet du Bail, puis le 1er jour de chaque trimestre civil et d'avance, sa quote-part de provision pour charges. Il devra en outre verser le solde de la régularisation annuelle.

Les acomptes trimestriels de charges seront appelés sur la base des budgets prévisionnels arrêtés une fois l’an par le Bailleur ou toute personne que celui-ci désignera. La régularisation sera appelée ou imputée sur l'acompte trimestriel suivant, selon qu'il fait apparaître un solde positif ou négatif en faveur du Preneur.
...

Le montant des provisions sera indiqué hors taxes, la TVA étant facturée en sus au Preneur.

La taxe foncière, la taxe sur les locaux à usage de stockage le cas échéant et la taxe d'enlèvement des ordures ménagères, visées à l'article XXX ainsi que les primes d’assurance du Bailleur, seront appelées auprès du Preneur en dehors des provisions et soumises à TVA. [Note : souhaitez-vous appeler d’autres charges hors provision ?]"

This seems to be charges billed maybe on a direct or individual basis. Is there by any chance a set expression for this?
Mpoma
United Kingdom
Local time: 19:43
English translation:(charges) without provisional payment
Explanation:
For me, when you pay "des provisions sur charges", you simply pay a part in advance.
I don't see this quite like Adrian does (commission) but feel that the Lessor cannot ask you to pay a part of these charges in advance (provisionally).
But I'm far from sure.
Selected response from:

SafeTex
France
Local time: 20:43
Grading comment
Thanks, in the end I put "non-prepaid"
3 KudoZ points were awarded for this answer



Summary of answers provided
3non-commissionable
Adrian MM.
2 +1(charges) without provisional payment
SafeTex
3non-provisional // non-prepaid
Michael Grabczan-Grabowski
3 -1additonal taxes
Juan Arturo Blackmore Zerón
2 -3off supply
Lisa Rosengard


  

Answers


1 hr   confidence: Answerer confidence 3/5Answerer confidence 3/5
non-commissionable


Explanation:
The other overheads are no-commissionable as called for or requisitioned from, so charged to the, off-plan sale tenant(s) as straight taxes (La taxe foncière etc.), namely no commission deductible from the tenants' payments, no doubt apportionable to the logistics centre.

Nowt to do with non-commissioned officers, eg. NCOs in the RAF.

Example sentence(s):
  • here would be no hidden fee. The NON commissionable rate means that if booked by a travel agent, there would be no commission. This is to your benefit.

    Reference: http://www.travelagewest.com/Industry-Insight/Business-Featu...
Adrian MM.
Austria
Specializes in field
Native speaker of: Native in EnglishEnglish
PRO pts in category: 74

Peer comments on this answer (and responses from the answerer)
neutral  philgoddard: Sorry, I agreed with this at first, but then I saw that "provision" is used earlier in the text to mean "prepayment".
2 hrs
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4 hrs   confidence: Answerer confidence 3/5Answerer confidence 3/5 peer agreement (net): -1
additonal taxes


Explanation:
https://support.taxslayer.com/hc/en-us/articles/360015703592...

Juan Arturo Blackmore Zerón
Mexico
Local time: 14:43
Native speaker of: Spanish

Peer comments on this answer (and responses from the answerer)
disagree  Yvonne Gallagher: not at all
1 day 23 hrs
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6 hrs   confidence: Answerer confidence 2/5Answerer confidence 2/5 peer agreement (net): +1
(charges) without provisional payment


Explanation:
For me, when you pay "des provisions sur charges", you simply pay a part in advance.
I don't see this quite like Adrian does (commission) but feel that the Lessor cannot ask you to pay a part of these charges in advance (provisionally).
But I'm far from sure.

SafeTex
France
Local time: 20:43
Works in field
Native speaker of: Native in EnglishEnglish
PRO pts in category: 34
Grading comment
Thanks, in the end I put "non-prepaid"

Peer comments on this answer (and responses from the answerer)
agree  philgoddard: I think Michael perhaps expresses it better, but you were first.
15 hrs
  -> Thanks Philgoddard

neutral  Daryo: sounds very plausible // possibly "contract related obligations that are not included in /are not supposed to be part of what the advance payment is for?"
2 days 21 hrs
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19 hrs   confidence: Answerer confidence 3/5Answerer confidence 3/5
non-provisional // non-prepaid


Explanation:
Firstly, I think it's important to understand the meaning of the French word provision as it's used in this context.

According to Larousse, the relevant definition is as follows:

"Somme remise d'avance à un avocat, à un avoué, à un expert et à valoir sur ses honoraires, ou somme remise à quelqu'un pour lui permettre de faire face à des frais et à valoir sur le montant exact des dépenses."

In accounting terms, what lessors do is they calculate and predict (i.e. make provisions on) how much certain charges will cost over time (such as water, electricity, and other service charges) and require advance payments to be made by the lessee to cover these charges for a certain period (often on a quarterly basis.) This avoids the situation where the landlord would have to incur the cost first and then recover the amounts from the lessee in arrears.

On the website https://edito.seloger.com/conseils-d-experts/louer/location-... it says:

Les charges locatives ou provisions sur charges sont les charges que le locataire paye en même temps que son loyer. Elles servent en réalité à couvrir les charges de copropriété préalablement payées par le propriétaire du logement. C’est pour cette raison qu’elles sont également appelées « charges récupérables ». Ces charges locatives comprennent l'entretien des parties communes ou « prestations collectives » (consommation d'eau et d'énergie, entretien et réparation des ascenseurs, chauffage collectif, frais de gardiennage, etc.), les taxes locatives (enlèvement d'ordures hors encombrants, balayage, redevance d’assainissement), l'entretien des parties individuelles ou « fournitures individuelles » (chauffage, production d'eau chaude, conditionnement d'air, entretien des cheminées…)

So we understand that, within the context of a lease, provisions sur charges are the estimated charges paid in advance separately from the rental fee. These prepaid charges are calculated on the basis of a yearly provisional budget done by the lessor. The prepayments (acomptes) are amortized every month and reconciled (régularisés) during the following quarter to see whether the amortizations resulted in a positive or negative balance (solde positif ou négatif). The amount of the lessee's next quarterly prepayment would then depend on the positive or negative balance of the previous quarter and be calculated accordingly.

In the context of your original text, they seem to include various kinds of taxes together with insurance premiums, i.e. property tax, storage premises tax, refuse collection tax, and the lessor's insurance premiums, which will be charged to the lessee in addition to the other estimated, upfront charges included in the rental fee, plus VAT. The note then asks whether "you" would like to include any other charges that are hors provision, i.e. those that are not part of the "somme remise à quelqu'un pour lui permettre de faire face à des frais et à valoir sur le montant exact des dépenses."

Therefore, I would translate the term as "non-provisional charges" or "non-prepaid charges."

According to https://www.investopedia.com/ask/answers/030415/what-are-dif... prepaid expenses are defined as follows:

"Prepaid Expenses
Many purchases a company makes in advance will be categorized under the label of prepaid expense. These prepaid expenses are those a business uses or depletes within a year of purchase, such as insurance, rent, or taxes. Until the benefit of the purchase is realized, prepaid expenses are listed on the balance sheet as a current asset. For example, if a company pays its landlord $30,000 in December for rent from January through June, the business is able to include the total amount paid in its current assets in December. As each month passes, the prepaid expense account for rent is decreased by the monthly rent amount until the total $30,000 is depleted."

From the point of view of the lessor, they are considering whether they should include any other non-prepaid charges that the lessor does not itself have to pay in advance to the authorities (or other entities.)

In the link https://www.lease-advice.org/fact-sheet/service-charges/, they refer to "estimated costs."

Michael Grabczan-Grabowski
Canada
Local time: 13:43
Native speaker of: English
PRO pts in category: 4

Peer comments on this answer (and responses from the answerer)
agree  Yvonne Gallagher
1 day 9 hrs
  -> Merci !

disagree  Daryo: "provisional"? definitely NOT - it's a false friend HERE // "non-prepaid" / expense account has some simiilarities but doesn't sound right.
2 days 13 hrs
  -> Sure, it doesn't have the exact same meaning as in French, but in English, it is defined as "a measure taken beforehand to deal with a need or contingency" (Merriam-Webster). Paying an amount in advance to set off expenses can reasonably be "provisional".
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1 day 8 hrs   confidence: Answerer confidence 2/5Answerer confidence 2/5 peer agreement (net): -3
off supply


Explanation:
"la provision" is the supply or provision; "hors" means out or outside or off
In French 'charges' are costs, charges, expenses or burdens and responsibilities.

--------------------------------------------------
Note added at 3 days 1 hr (2020-05-19 10:41:08 GMT)
--------------------------------------------------

As a second attempt 'les charges hors provision' look like additional costs or expenses.

Lisa Rosengard
United Kingdom
Local time: 19:43
Native speaker of: English
PRO pts in category: 4

Peer comments on this answer (and responses from the answerer)
neutral  SafeTex: So what does "charges off supply" mean then?
4 hrs

disagree  Yvonne Gallagher: meaningless
19 hrs

disagree  Daryo: listing all of "costs, charges, expenses or burdens and responsibilities" is pointless - the aim of the present exercise is to find which one is relevant for this specific text.
2 days 32 mins

disagree  AllegroTrans: You can seldom, if ever, translate financial and legal terms word-by-word and without reference to CONTEXT - you need to learn the importance of this!
5 days
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