Anticresis

"Anticresis"is both the legal and the folk term for these things. I didn't just make that name up. I really mean "folk"-- people with semi-functional knowledge of essential finance. As for "services flow", that's straight out of microeconomics 101. Otherwise, I'm usually too preoccupied about avoiding repetition, so I keep trying to find synonyms. I don't believe I'm coming up with any pseudo-fancy neologism, but if I did, that's just because of my deficient english. Me try to write good but sometimes me makes mistakes.

Shared equity mortgage is somewhat similar to anticresis, only entirely different. No equity or property rights are transferred in anticresis, on one hand, and on the other habitation rights are kept until the loan is repaid, so it's more like collateralized debt, other than the collateral is ex ante "transferred" (but not really).