This question was closed without grading. Reason: Errant question
May 26, 2019 17:50
4 yrs ago
4 viewers *
Spanish term
penetración de financiamiento
Spanish to English
Bus/Financial
Economics
I don't at all understand what they mean hear by "penetración de financiamiento" (ojo: it's "en proporicón con su PBI". I was thinking "market penetration" of financing but how does that relate to the GDP? I am indeed confused so any help would be much appreciated!
La experiencia internacional demuestra que existe una correlación positiva en el abatimiento del rezago habitacional en países que han desarrollado más sofisticación en temas de financiamiento a la vivienda y con una mayor penetración de financiamiento a la vivienda en proporción con su PBI. Asimismo, países como Chile y México, con mercados de financiamiento a la vivienda de mediano y largo plazo desarrollados,presentan un menor riesgo de asentamientos informales derivado de la alta penetración de productos de financiamiento a la vivienda.
La experiencia internacional demuestra que existe una correlación positiva en el abatimiento del rezago habitacional en países que han desarrollado más sofisticación en temas de financiamiento a la vivienda y con una mayor penetración de financiamiento a la vivienda en proporción con su PBI. Asimismo, países como Chile y México, con mercados de financiamiento a la vivienda de mediano y largo plazo desarrollados,presentan un menor riesgo de asentamientos informales derivado de la alta penetración de productos de financiamiento a la vivienda.
Proposed translations
(English)
Proposed translations
+2
15 mins
penetration of house(home) financing
I read it as being house financing (i.e. mortgage) being more developed and with higher penetration (measured as outstanding loans to GDP).
The economic idea is that countries where there i a functions mortgage market will, on average, have less backward housing
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Note added at 16 mins (2019-05-26 18:06:35 GMT)
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*where there is a functioning mortgage market
The economic idea is that countries where there i a functions mortgage market will, on average, have less backward housing
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Note added at 16 mins (2019-05-26 18:06:35 GMT)
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*where there is a functioning mortgage market
Peer comment(s):
agree |
philgoddard
8 hrs
|
agree |
Luis M. Sosa
: Got it. I think home sounds much better
21 hrs
|
5 hrs
9 hrs
high involvement of financial products in housing
my take
9 hrs
lending penetration
Straighforward. Examples:
[PDF]Retail Banking Insights - McKinsey
https://www.mckinsey.com/.../Reinventing-small-and-medium-si...
**Lending penetration.** Banks not offering digital sales processes. Banks offering lead/form application. 3%. 10%. Product penetration for new customers
Mortgage Lending in Poland, 2019-2021 - Sales of New Mortgage ...
https://www.businesswire.com/.../Mortgage-Lending-Poland-201...
Mar 4, 2019 - Slide 8: **Mortgage lending penetration benchmarks** - International comparison, 2018 Q3. Slide 9: Mortgage lending in Poland vs. Europe- ...
Improving Lending Performance in LMI and Minority-Majority ...
https://www.premierinsights.com/.../improving-lending-perfor...
Nov 7, 2017 - Here we address what to do **when lending penetration in LMI and minority majority geographies is determined to be weak**. This obviously ...
[PDF]Expand Capital to Small Businesses - Performance.gov
https://www.performance.gov/.../FY2018_Q2_SBA_Expand_Capital...
Jun 30, 2018 - Development Financial Institutions (CDFIs), and microlenders in depressed urban communities and rural areas where **SBA lending penetration** ...
[PDF]Retail Banking Insights - McKinsey
https://www.mckinsey.com/.../Reinventing-small-and-medium-si...
**Lending penetration.** Banks not offering digital sales processes. Banks offering lead/form application. 3%. 10%. Product penetration for new customers
Mortgage Lending in Poland, 2019-2021 - Sales of New Mortgage ...
https://www.businesswire.com/.../Mortgage-Lending-Poland-201...
Mar 4, 2019 - Slide 8: **Mortgage lending penetration benchmarks** - International comparison, 2018 Q3. Slide 9: Mortgage lending in Poland vs. Europe- ...
Improving Lending Performance in LMI and Minority-Majority ...
https://www.premierinsights.com/.../improving-lending-perfor...
Nov 7, 2017 - Here we address what to do **when lending penetration in LMI and minority majority geographies is determined to be weak**. This obviously ...
[PDF]Expand Capital to Small Businesses - Performance.gov
https://www.performance.gov/.../FY2018_Q2_SBA_Expand_Capital...
Jun 30, 2018 - Development Financial Institutions (CDFIs), and microlenders in depressed urban communities and rural areas where **SBA lending penetration** ...
Peer comment(s):
neutral |
Luis M. Sosa
: Your take is good, however you are not making any reference to the housing market
11 hrs
|
First, two of my examples refer to the housing market, and second, 'housing' wasn't part of the question.
|
16 hrs
Spanish term (edited):
(una mayor) penetración de financiamiento (a la vivienda)
(a greater home & housing) loan penetration rate
The qualifiers of 'una mayor .. a la vivienda' - as in other answers - ought, perhaps, to be included in the equation.
PS until about 30 years ago in the UK investment, banking and legal sector, the term of 'financing' gave way to the trendier term of 'funding'.
PS until about 30 years ago in the UK investment, banking and legal sector, the term of 'financing' gave way to the trendier term of 'funding'.
Example sentence:
"Within ASEAN, Indonesia still has by far the lowest loan penetration at 30% of GDP followed by the Philippines at 33%.
Mortgage depth and housing loan penetration increase with countries' income level in a convex manner, i.e. slow increases with income.
Reference:
http://asianbankingandfinance.net/lending-credit/exclusive/loan-penetration-extremely-low-in-asean
Discussion
Isn't that OK?