cédules hypothécaires de registre

English translation: registered mortgage certificate

GLOSSARY ENTRY (DERIVED FROM QUESTION BELOW)

French term or phrase:	cédules hypothécaires de registre
English translation:	registered mortgage certificate
Entered by:	flaggthecat

22:02 Sep 23, 2021

French to English translations [PRO]
Bus/Financial - Real Estate / Mortgage contract

French term or phrase: cédules hypothécaires de registre

I am translating a mortgage contract, and the document refers to "cédules hypothécaires de registre" as somewhat of a fixed term (although there is a deviation below, as you can see):

Le(s) propriétaire(s) de l’immeuble/des immeubles destiné(s) à servir de sûreté s’engage(nt) à transférer en garantie à la Banque les cédules hypothécaires au porteur, nominative ou de registre décrites ci-dessous. La Banque acquiert à titre fiduciaire la pleine propriété des Cédules hypothécaires sur papier et la pleine titularité des Cédules hypothécaires de registre. ... Si les Cédules hypothécaires sont de registre, le Donneur de garantie est tenu de requérir (ou faire requérir) l’inscription au Registre foncier de la Banque ou son fiduciaire comme titulaire des Cédules hypothécaires, et autorise la Banque à requérir sa propre inscription en tant que de besoin.

Here is my attempt at a translation:

The owner(s) of the building(s) to be used as collateral undertake(s) to transfer as collateral to the Bank the mortgage notes described below, either in bearer or registered form, or else as registry mortgage notes. The Bank acquires full ownership of the paper Mortgage Notes and full title to the registry Mortgage Notes on a fiduciary basis. ... If the Mortgage Notes are in the register, the Collateral Provider is obliged to apply (or to have applied) the entry in the Land Register to the Bank or its trustee as holder of the Mortgage Notes, and authorises the Bank to apply for its own entry as necessary.

My question, then, is if there is a better English term than "registry mortgage notes", which I have to revise later to "mortgage notes in the register".

flaggthecat KudoZ activity Questions: 87 (none open) (2 without valid answers) Answers: 0
Local time: 02:43

registered mortgage certificate

Explanation:
From IATE by the EU:

fr
cédule hypothécaire

COM

en
mortgage certificate

https://iate.europa.eu/search/result/1632458957491/1

From the Swiss Civil Code:

Art. 860 C. ***Mortgage certificate*** on paper / I. Creation / 1 ...https://www.droit-bilingue.ch › lex· Translate this page
1 The creation of a mortgage certificate on paper always requires an entry in the land ... Art. 860 C. ***Cédule hypothécaire*** sur papier / I. Constitution / 1.

https://www.droit-bilingue.ch/rs/lex/1907/00/19070042-a860-e...

Previous question on ProZ:

en premier rang hypothécaire et sans concours - ProZ.comhttps://fra.proz.com › kudoz· Translate this page
Jun 5, 2014 — cédule hypothécaire sur papier au porteur de 400,000 CHF ... first rank unencumbered mortgage by a bearer mortgage certificate on paper of .

Thompson Reuters:

Project finance in Switzerland: overview | Practical Lawhttps://uk.practicallaw.thomsonreuters.com › ...
Apr 1, 2018 — A ***mortgage certificate (cédule hypothécaire) (on paper or in registered form). The mortgage certificates are the preferred form as they are .

Crédit Agricole:

base prospectus - Crédit Agricole next bankhttps://www.ca-nextbank.ch › uploads › PDF › base-...PDF
Aug 18, 2020 — Paperless Mortgage Certificate means a paperless mortgage certificate (cédule hypothécaire de registre) pursuant to articles 857 et seq. CC.

Also "mortgage instrument" in more legal language:

Property and Trust Law in Switzerland - Page 60 - Google Books Resulthttps://books.google.fr › books
Georg von Segesser, ‎Josef Caleff · 2019 · ‎Law
... the ***mortgage instrument (Schuldbrief/cédule hypothécaire) constitutes a ... The bearer mortgage certificate and the nominal mortgage certificate are ...

HTH.

Selected response from:

Conor McAuley
France
Local time: 09:43

Grading comment

Thank you, this is indeed a thorough and well-sourced answer.
4 KudoZ points were awarded for this answer

Summary of answers provided

3 +1

registered mortgage notes

Anton Konashenok

registered mortgage certificate

Conor McAuley

mortgage certificate in the from of / as registry entry

Daryo

Discussion entries: 5

Answers

26 mins confidence:

peer agreement (net): +1

registered mortgage notes

Explanation:
plenty of occurrences on the web

Anton Konashenok
Czech Republic
Local time: 09:43
Native speaker of:

Russian,

English
PRO pts in category: 4

6 hrs confidence:

registered mortgage certificate

Conor McAuley
France
Local time: 09:43
Native speaker of: English
PRO pts in category: 47

Grading comment

Thank you, this is indeed a thorough and well-sourced answer.

Peer comments on this answer (and responses from the answerer)

neutral

Adrian MM.: My first thought, too.Trouble is the asker seems to be in the UK where a mortgage cert. is confusable with a one-off 'charge cert.' https://mortgagerequired.com/news/what-is-a-charge-certifica... // Mine is not a disagree, but a UK conveyancing 'caveat'.

1 day 5 hrs

-> I don't think I've ever provided such solid references for any answer EVER. Feel the quality: IATE, the Swiss Civil Code (a very good translation in general), previous Q. on ProZ, Thompson Reuters, Credit Agricole and a published book! / Fair enough!

neutral

Daryo: all OK, only you left some ambiguity - you make it sound as if an already existing right was simply recorded in the registry, while in fact it's the recording in the registry that creates that right.//The "rest" is in what you never read ...

1 day 11 hrs

-> My answer consists of a list of references from excellent sources. I didn't make anything sound like anything. The rest is in your head. / Looks like I win.

1 day 18 hrs confidence:

mortgage certificate in the from of / as registry entry

Explanation:
Si les Cédules hypothécaires sont de registre

literally:

If the Mortgage Notes "are of the Registry type" ...

i.e.

If the Mortgage Notes exist in the form of entries the register

IOW it's the case when the ONLY "proof / record" of the existence of the lien on the property is a mention / entry in the Registry.

--------------------------------------------------
Note added at 1 day 18 hrs (2021-09-25 16:18:51 GMT)
--------------------------------------------------

mortgage certificate in the form of / as registry entry

Daryo
United Kingdom
Local time: 08:43
Works in field
Native speaker of:

Serbian,

French
PRO pts in category: 74

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English translation: registered mortgage certificate

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