Glossary entry

English term or phrase:

balloon payment

Romanian translation:

plata valorii reziduale

Added to glossary by Radu DANAILA
Jan 18, 2010 15:09
14 yrs ago
10 viewers *
English term

balloon payment

GBK English to Romanian Bus/Financial Finance (general)
This is the very large payment that is due at the end of some loans. A balloon payment means that the borrower's monthly payments are used to pay the interest on the loan and that little of the payment is used to pay back the amount that was borrowed. Unless you know how you will make this payment, these loans can be risky.
Example sentences:
Balloon payments can be a big problem in a falling housing market. As house prices fall, the odds of homeowners having positive equity in their homes also drops, and they may not be able to sell their homes for the prices they anticipated. (Investopedia ULC)
If you cannot make the monthly payments or a balloon payment when due you will be in default under your loan. (JPMorgan Chase & Co)
You can make the balloon payment and keep the car - or part exchange it, using any surplus amount after making the final repayment, towards a deposit on your next vehicle. (Auto eBid)
Proposed translations (Romanian)
4 +3 plata valorii reziduale
Change log

Jan 18, 2010 14:07: changed "Kudoz queue" from "In queue" to "Public"

Jan 18, 2010 15:09: changed "Stage" from "Preparation" to "Submission"

Jan 21, 2010 15:55: changed "Stage" from "Submission" to "Selection"

Jan 21, 2010 16:59: changed "Stage" from "Selection" to "Completion"

Jan 21, 2010 17:01: Radu DANAILA changed "Edited KOG entry" from "<a href="/profile/0">'s</a> old entry - "balloon payment"" to ""plata valorii reziduale""

Proposed translations

+3
27 mins
Selected

plata valorii reziduale

Definition from Bank News:
valoare reziduala = suma platita de Utilizator la terminarea contractului, de obicei, o data cu ultima rata de leasing, in cazul in care acesta isi exercita optiunea de cumparare bunului.
Example sentences:
"Cum se aplica taxele la plata valorii reziduale?" (Financial expert website - Cristian Popa)
"În cazul leasingului financiar, utilizatorul acţionează ca un proprietar, înregistrând bunul luat in leasing în bilanţul său contabil şi amortizându-l. Taxa pe valoare adăugată (TVA) se calculează pentru fiecare rată lunară de leasing şi este deductibilă. Rata lunară de leasing este compusă dintr-o cotă parte din valoarea de intrare a bunului şi dobânda de leasing. După achitarea ultimei rate de leasing şi plata valorii reziduale agreate la începutul contractului, utilizatorul devine proprietar al bunului. " (Leasing company website - IKB Leasing)
"Volvo Classic Finance cu valoare reziduală oferă flexibilitatea adăugării unei sume forfetare ca plată finală, în vederea reducerii plăţilor lunare. La sfârşitul contractului, puteţi alege fie plata valorii reziduale şi păstrarea autocamionului, fie prelungirea contractului, prin refinanţarea valorii reziduale. O altă modalitate de reducere a sumelor lunare de plată este plata unui avans mai mare." (Volvo Trucks Romania website)
Peer comment(s):

agree Isabela Andrian : cel mai probabil in aceasta situatie acesta e termenul. insa, am mai gasit si "plata substantiala" sau "plata majora" (ca simple optiuni generale)
1 hr
multumesc!
agree Emanuel Stroia : http://www.proz.com/kudoz/english_to_romanian/economics/1908...
3 days 1 hr
multumesc!
agree cristina48
3 days 11 hrs
multumesc!
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4 KudoZ points awarded for this answer.
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