. . "1560425"^^ . . . . . . "1122985236"^^ . . . . . "In finanza, un collaterale \u00E8 un bene, reale o finanziario, concesso da chi contrae un debito al creditore come garanzia del ripagamento del debito stesso al momento della scadenza. In caso di inadempienza del mutuatario pu\u00F2 essere utilizzata per compensare il prestito. La presenza di tale garanzia in genere consente ai prestatori di offrire un tasso di interesse pi\u00F9 basso sui prestiti. Alcuni tipi di collaterali possono essere scambiati sui mercati finanziari, al pari di azioni e obbligazioni."@it . . . . . . . . . . . . "Collaterale (finanza)"@it . . . . . . . . . . . . . . . "En finance, une garantie, un collat\u00E9ral ou une s\u00FBret\u00E9, est une promesse de garantie, servant \u00E0 couvrir le risque de cr\u00E9dit lors d'op\u00E9rations financi\u00E8res dans le cas o\u00F9 le b\u00E9n\u00E9ficiaire de ce dernier ne pourrait pas satisfaire ses obligations de paiement. Le terme de collat\u00E9ral est un masque du mot anglais \u00AB collateral \u00BB Son emploi a donn\u00E9 lieu \u00E0 des n\u00E9ologismes tels que pr\u00EAt collat\u00E9ralis\u00E9, qui d\u00E9signe un pr\u00EAt garanti. Le terme garantie est lui utilis\u00E9 dans la banque de d\u00E9tail."@fr . . . . . . "En finance, une garantie, un collat\u00E9ral ou une s\u00FBret\u00E9, est une promesse de garantie, servant \u00E0 couvrir le risque de cr\u00E9dit lors d'op\u00E9rations financi\u00E8res dans le cas o\u00F9 le b\u00E9n\u00E9ficiaire de ce dernier ne pourrait pas satisfaire ses obligations de paiement. Le terme de collat\u00E9ral est un masque du mot anglais \u00AB collateral \u00BB Son emploi a donn\u00E9 lieu \u00E0 des n\u00E9ologismes tels que pr\u00EAt collat\u00E9ralis\u00E9, qui d\u00E9signe un pr\u00EAt garanti. Le terme garantie est lui utilis\u00E9 dans la banque de d\u00E9tail."@fr . . . . . . . . . . . . . "Garantie (finance)"@fr . . . "In lending agreements, collateral is a borrower's pledge of specific property to a lender, to secure repayment of a loan. The collateral serves as a lender's protection against a borrower's default and so can be used to offset the loan if the borrower fails to pay the principal and interest satisfactorily under the terms of the lending agreement. The type of the collateral may be restricted based on the type of the loan (as is the case with auto loans and mortgages); it also can be flexible, such as in the case of collateral-based personal loans."@en . . . . . . . . . "Collateral (finance)"@en . . "In lending agreements, collateral is a borrower's pledge of specific property to a lender, to secure repayment of a loan. The collateral serves as a lender's protection against a borrower's default and so can be used to offset the loan if the borrower fails to pay the principal and interest satisfactorily under the terms of the lending agreement. The protection that collateral provides generally allows lenders to offer a lower interest rate on loans that have collateral. The reduction in interest rate can be up to several percentage points, depending on the type and value of the collateral. For example, the Annual Percentage Rate (APR) on an unsecured loan is often much higher than on a secured loan or logbook loan. If a borrower defaults on a loan (due to insolvency or another event), that borrower loses the property pledged as collateral, with the lender then becoming the owner of the property. In a typical mortgage loan transaction, for instance, the real estate being acquired with the help of the loan serves as collateral. If the buyer fails to repay the loan according to the mortgage agreement, the lender can use the legal process of foreclosure to obtain ownership of the real estate. If a second mortgage is involved the primary mortgage loan is repaid first with the remaining funds used to satisfy the second mortgage. A pawnbroker is a common example of a business that may accept a wide range of items as collateral. The type of the collateral may be restricted based on the type of the loan (as is the case with auto loans and mortgages); it also can be flexible, such as in the case of collateral-based personal loans."@en . . . . . . . . . . . . . . "7408"^^ . . "In finanza, un collaterale \u00E8 un bene, reale o finanziario, concesso da chi contrae un debito al creditore come garanzia del ripagamento del debito stesso al momento della scadenza. In caso di inadempienza del mutuatario pu\u00F2 essere utilizzata per compensare il prestito. La presenza di tale garanzia in genere consente ai prestatori di offrire un tasso di interesse pi\u00F9 basso sui prestiti. Ad esempio, nel caso di un acquisto di immobile tramite mutuo ipotecario, l'immobile stesso funge da garanzia. Se l'acquirente non riesce a rimborsare il prestito secondo il contratto di mutuo, il prestatore pu\u00F2 ottenere la propriet\u00E0 dell'immobile. Alcuni tipi di collaterali possono essere scambiati sui mercati finanziari, al pari di azioni e obbligazioni."@it . . .