Glossary entry (derived from question below)
English term or phrase:
reducing loan agreement
Polish translation:
umowa kredytowa z obniżonym oprocentowaniem
Added to glossary by
Frank Szmulowicz, Ph. D.
Dec 22, 2022 19:21
1 yr ago
11 viewers *
English term
reducing loan agreement
English to Polish
Bus/Financial
Finance (general)
Sprawozdanie finansowe spółki.
(...) During FY 2016-17, the Group took out a reducing loan agreement with a banking partner.
(...) During FY 2016-17, the Group took out a reducing loan agreement with a banking partner.
Change log
Jul 1, 2023 11:23: Frank Szmulowicz, Ph. D. Created KOG entry
Proposed translations
1 hr
Frank Szmulowicz, Ph. D.
United States
United States
Native in English
&
Polish
Works in field
United States
On time, on target, on budget.
Native in: English 
, Polish
Works in: Polish to English, English to Polish, Russian to Polish, and 1 more.
Related KudoZ points
:
1109
Selected
umowa kredytowa z obniżonym oprocentowaniem
The example below shows that the loan is reissued at a lower interest rate from the original.
ccccc
Arab Bank loan (2)
On 30 August 2018, the subsidiary, Nutridar signed a loan agreement with Arab Bank of JD 400,000 bearing an interest rate of 8,625%. The loan is repayable over 36 monthly instalment, where the first instalment was due on 28 February 2019. The last instalment is due on 31 January 2022.
Arab Bank loan
(3) On 17 June 2019, Nutridar signed a reducing loan agreement with Arab Bank of JD 421,450 bearing an interest rate of 4.5%
ccccc
Arab Bank loan (2)
On 30 August 2018, the subsidiary, Nutridar signed a loan agreement with Arab Bank of JD 400,000 bearing an interest rate of 8,625%. The loan is repayable over 36 monthly instalment, where the first instalment was due on 28 February 2019. The last instalment is due on 31 January 2022.
Arab Bank loan
(3) On 17 June 2019, Nutridar signed a reducing loan agreement with Arab Bank of JD 421,450 bearing an interest rate of 4.5%
4 KudoZ points awarded for this answer.
Comment: "dziękuję Frank :)"
1 hr
umowa o kredyt o/po niższej stopie procentowej
poniżej sprawozdanie finansowe tej samej firmy co w odpowiedzi kolegi, ale poprawniej napisane ...
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On 30 August 2018, the Company signed a loan agreement with a local bank to finance the project of building a warehouse for finished goods, with total amount of JD 400,000 bearing an interest rate of 8.625%. The loan is payable over 36 equal consecutive monthly instalments. The first instalment was due on 28 February 2019.
On 17 June 2019, the Company signed a loan agreement with a local bank with total amount of 421,450 JD bearing an interest of 4.5%. The loan will be payable over 34 consecutive monthly instalments. The First instalment was due on 17 December 2019.
- http://www.ufico.com/aseAnouncements/652940.pdf - page 94
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On 30 August 2018, the Company signed a loan agreement with a local bank to finance the project of building a warehouse for finished goods, with total amount of JD 400,000 bearing an interest rate of 8.625%. The loan is payable over 36 equal consecutive monthly instalments. The first instalment was due on 28 February 2019.
On 17 June 2019, the Company signed a loan agreement with a local bank with total amount of 421,450 JD bearing an interest of 4.5%. The loan will be payable over 34 consecutive monthly instalments. The First instalment was due on 17 December 2019.
- http://www.ufico.com/aseAnouncements/652940.pdf - page 94
Note from asker:
| dziękuję geopiet |
48 days
umowa o pożyczkę/kredyt z malejącym kapitałem/o malejącym kapitale
umowa o pożyczkę/kredyt z malejącym kapitałem/o malejącym kapitale
Note from asker:
| dziękuję mike23 |
Discussion
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Reducing term loans are usually structured as either equal payment (blended) or as equal amortizing (principal + interest).
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When a loan is repaid in installments, it’s typically referred to as an amortizing loan (or a reducing loan). Below is an example of a $100,000 loan on a 12-month (1-year) amortization.
The point of a reducing loan is that the outstanding balance is paid down to zero at the end of the amortization period:
Equal payments (Blended)...
With a reducing loan, some portion of the original loan amount is repaid at each installment. Only this principal portion of the loan payment reduces the total loan amount outstanding; the interest portion does not.
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Equal Amortizing Loans
This is often referred to as a P&I structure (principal + interest).
https://corporatefinanceinstitute.com/resources/commercial-l...