| Question | Answer |
|---|---|
the mortgage | boliglånet |
The mortgage is large. | Boliglånet er stort. |
the loan application | lånesøknaden |
the financing certificate | finansieringsbeviset |
The loan application and the financing certificate are ready. | Lånesøknaden og finansieringsbeviset er klare. |
The financing certificate follows the loan application. | Finansieringsbeviset følger lånesøknaden. |
the equity | egenkapitalen |
The equity is high. | Egenkapitalen er høy. |
the loan amount | lånebeløpet |
The loan amount is low. | Lånebeløpet er lavt. |
the property value | boligverdien |
The property value increases. | Boligverdien øker. |
the borrower | låntakeren |
the co-borrower | medlåntakeren |
The co-borrower has a stable income. | Medlåntakeren har en stabil inntekt. |
the guarantor | kausjonisten |
the collateral | pantet |
The guarantor talks with the bank about the collateral. | Kausjonisten snakker med banken om pantet. |
The guarantor offers the house as collateral. | Kausjonisten tilbyr huset som pant. |
the debt-to-income ratio | gjeldsgraden |
The debt-to-income ratio is high. | Gjeldsgraden er høy. |
the loan-to-value ratio | belåningsgraden |
The debt-to-income ratio is high, but the loan-to-value ratio is low. | Gjeldsgraden er høy, men belåningsgraden er lav. |
The equity is high enough that the loan-to-value ratio becomes low. | Egenkapitalen er såpass høy at belåningsgraden blir lav. |
the debt-servicing capacity | betjeningsevnen |
The debt-servicing capacity is good. | Betjeningsevnen er god. |
the credit assessment | kredittvurderingen |
The credit assessment is ready. | Kredittvurderingen er klar. |
the nominal interest rate | den nominelle renten |
The nominal interest rate is low. | Den nominelle renten er lav. |
the effective interest rate | den effektive renten |
The nominal interest rate is low, but the effective interest rate is high. | Den nominelle renten er lav, men den effektive renten er høy. |
the repayment period | nedbetalingstiden |
The repayment period is long. | Nedbetalingstiden er lang. |
The repayment period is not so long that the mortgage becomes expensive. | Nedbetalingstiden er ikke såpass lang at boliglånet blir dyrt. |
the repayment schedule | nedbetalingsplanen |
the instalment amount | terminbeløpet |
The repayment schedule has an instalment amount every month. | Nedbetalingsplanen har et terminbeløp hver måned. |
The effective interest rate fell enough for the instalment amount to become low. | Den effektive renten falt såpass mye at terminbeløpet ble lavt. |
the principal repayment | avdraget |
The repayment schedule shows the principal repayment and the instalment amount. | Nedbetalingsplanen viser avdraget og terminbeløpet. |
The principal repayment reduces the debt. | Avdraget reduserer gjelden. |
the instalment fee | termingebyret |
The instalment fee is paid every month. | Termingebyret betales hver måned. |
the interest-rate stress test | rentestresstesten |
The interest-rate stress test checks the debt-servicing capacity. | Rentestresstesten kontrollerer betjeningsevnen. |
The bank explains the interest-rate stress test to the borrower. | Banken forklarer rentestresstesten for låntakeren. |
the loan offer | lånetilbudet |
The borrower reads the loan offer. | Låntakeren leser lånetilbudet. |
The loan offer is in writing. | Lånetilbudet er skriftlig. |
Is the instalment fee low enough for the loan offer to remain the best? | Er termingebyret såpass lavt at lånetilbudet fortsatt er best? |
to the extent that; insofar as | i den grad ... |
To the extent that the property value rises, the loan-to-value ratio falls. | I den grad boligverdien stiger, faller belåningsgraden. |
The debt-servicing capacity increases to the extent that the co-borrower's income increases. | Betjeningsevnen øker i den grad medlåntakerens inntekt øker. |
The bank approves the loan amount to the extent that the credit assessment is good. | Banken godkjenner lånebeløpet i den grad kredittvurderingen er god. |
The instalment amount increases to the extent that the effective interest rate rises. | Terminbeløpet øker i den grad den effektive renten stiger. |
hooray | hurra |
Hooray, we won! | Hurra, vi vant! |
Hooray, the loan is approved! | Hurra, lånet er godkjent! |
the status | statusen |
The status is clear. | Statusen er klar. |
The bank checks the status. | Banken kontrollerer statusen. |
practical | praktisk |
The repayment schedule is practical. | Nedbetalingsplanen er praktisk. |
The solution was practical. | Løsningen var praktisk. |
to persuade | overtale |
The bank tries to persuade the borrower. | Banken prøver å overtale låntakeren. |
She persuaded the co-borrower. | Hun overtalte medlåntakeren. |
October | oktober |
The interest rate changes in October. | Renten endrer seg i oktober. |
October comes after September. | Oktober kommer etter september. |
to associate; socialize | omgås |
We socialise with friends. | Vi omgås venner. |
She socialises with the neighbours. | Hun omgås naboene. |
the surface | overflaten |
The surface is wet. | Overflaten er våt. |
We check the surface. | Vi kontrollerer overflaten. |
consequently; thus | dermed |
The equity increases; consequently, the loan amount becomes low. | Egenkapitalen øker; dermed blir lånebeløpet lavt. |
The effective interest rate fell; consequently, the instalment amount became low. | Den effektive renten falt; dermed ble terminbeløpet lavt. |
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