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258 months ago

frank rojas ` (a guest user) asked this question:

This question has already been answered and rated. Therefore, no new answers can be given.

258 months ago

AcTra   wrote:

Clausula lock-in/Acuerdo de interes

My comment:

En principio, la clausula impide la cancelacion del prestamo antes del periodo acordado en el contrato de hipoteca, o la congelacion de la tasa de interes ofrecida por el prestamista. Ver definicion en References.

My references:

www.financial-publishing.com/realestatedictionary/fidelitytitlecompany/seeletter.asp?letter=L
LOCK-IN - The prohibition of prepayment of a loan secured by a mortgage or deed of trust, so that the borrower is "locked in" to the loan for a specified period.
Tambien:
Lock-in (fijar la tasa): Al solicitar un "lock-in", uno puede "congelar" la tasa ofrecida por el prestamista por un espacio de tiempo, normalmente entre 15 y 60 días. Puede o no haber un costo por este servicio, dependiendo de las condiciones del mercado.
Tambien, http://www.elpasotimesrealestate.com/espanol/glossary.shtml

Lock-in/Acuerdo de interés - Un acuerdo por escrito garantizando al comprador de casa una tasa de interés específica estipulando se concluya el préstamo dentro de un período de tiempo específico. El lock-in por lo general especifica el número de puntos a pagar al cierre del contrato.

258 months ago

AcTra   wrote:

claúsula que establece una comisión de cancelación anticipada/por amortización anticipada del préstamo hipotecario

My comment:

Lock-in Clause - A provision that allows prepayment provided full interest is paid as if the loan had gone to maturity; the borrower is locked-in as to interest.
Lock-in Clause
This is a clause in the mortgage agreement which stipulates that the borrower cannot repay a loan prior to a specified date.

My references:

http://64.233.183.104/search?q=cache:AJbdA9jSf-4J:www.jccm.es/vivienda/tucasa/capitulo4.htm+%22PRESTAMO+HIPOTECARIO%22+CLA%C3%9ASULA&hl=es&start=8

http://www.hipotecagratis.com/telecinco/glosario/default.asp#1

258 months ago

AcTra   wrote:

cláusula de tasa de interés fija

My comment:

Se trata de una tasa de interés garantizada a lo largo de un período de tiempo

Visite el glosario de este site:

... Lock-in Clause Clause inserted in a loan agreement guaranteeing a quoted interest rate for a specific period of time. Lock-in Period ...
www.constructionwork.com/glossary/l9.html

Vea ahora estos ejemplos en español:

Providence En Espanol
Tal vez quiere cambiar su tipo de préstamo hipotecario actual por otro. Por ejemplo, de un préstamo hipotecario con tasa de interés ajustable (Ajustable Rate Mortgage o "ARM" en inglés) a un préstamo con tasa de interés fija. ...
Asegúrese también de averiguar si su hipoteca contiene una cláusula de ...
www.providenceenespanol.com/providence/index. asp?issue=90&department=1§ion=3&article=3559

Market Street Mortgage...Products
... Estos préstamos tienen cláusula de asunción y generalmente requieren una ...
Estos préstamos tienen una tasa de interés fija y el plazo puede ser de 15 ...
https://www.marketstreetmortgage.com/ lc43spanish/products/products.html

Comments by other colleagues on this answer:

258 months ago

   wrote:

It is true that lock-in clauses are most often invoked with regard to interest rates, but it is not the only instance of use of lock-in clauses, even in real estate transactions. More context is needed to be sure.

258 months ago

   wrote:

It is true that lock-in clauses are most often invoked with regard to interest rates, but it is not the only instance of use of lock-in clauses, even in real estate transactions. More context is needed to be sure.

The asker rated this answer best

258 months ago

AcTra   wrote:

claúsula de salvaguardia

Comments by other colleagues on this answer:

258 months ago

   wrote:

This is a generic translation. There is probably a more specific translation, such as Ralph's if his assumption that it pertains to interest rate is correct.

258 months ago

   wrote:

This is a generic translation. There is probably a more specific translation, such as Ralph's if his assumption that it pertains to interest rate is correct.

258 months ago

AcTra   wrote:

Cláusula Restrictiva/Prohibitiva

My comment:

A first idea

Comments by other colleagues on this answer:

258 months ago

   wrote:

Other idea: “Acuerdo de Tasa de Interés fija/garantizada/por escrito” ... see: http://www.elpasotimesrealestate.com/espanol/glossary.shtml