ILSPT (08) - Basic English Vocabulary for Banking and Finance

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Frage English Antworten English
bank statement
Lernen beginnen
a record of the money put into and removed from a bank account (wyciąg z konta)
low/high-interest overdraft
Lernen beginnen
if you have an overdraft, you have taken more money out of your bank account than you had in it (nisko-/wysokooprocentowany kredyt/debet)
interest
Lernen beginnen
the extra money that you must pay to a bank, company, etc which has lent you money (oprocentowanie/odsetki)
in credit account
Lernen beginnen
account with no charges (ponad kreską/na plusie)
overdrawn (account)
Lernen beginnen
if you are overdrawn, you have taken more money out of your bank account than you had in it (zadłużony)
to clear (cheques)
Lernen beginnen
if a cheque (= printed paper used to pay for things) clears, the money goes from one person's bank account to another person's bank account (zaksięgowane)
counterfoil
Lernen beginnen
a section able to be detached or removed from a cheque/check etc and kept by the giver as a receipt (folia przeciwbieżna)
banker's draft
Lernen beginnen
a written order for money to be paid by a bank, especially to another bank (weksel bankierski)
overdraft facility
Lernen beginnen
a feature of a bank account that allows a customer to temporarily owe money to the bank kredyt w rachunku bieżącym)
overdraft limit
Lernen beginnen
the largest amount of money that a bank allows you to borrow from them (dopuszczalny limit debetu)
banker's reference
Lernen beginnen
a statement from a customer which proves that he/she is likely to be able to pay back a loan, etc. (referencja bankowa)
creditworthy
Lernen beginnen
has enough money or property for banks and other organizations to be willing to lend them money (posiadający zdolność kredytową)
standing orders
Lernen beginnen
regular automatic payments of the same amount (zlecenia stałe)
direct debits
Lernen beginnen
regular automatic payments of varying amounts (polecenia zapłaty)
withdrawal
Lernen beginnen
when you take money out of a bank account (wypłata)
title deeds
Lernen beginnen
a document which proves who owns a property (tytuł/akt własności)
mortgage
Lernen beginnen
an agreement that allows you to borrow money from a bank or similar organization, especially in order to buy a house, or the amount of money itself (hipoteka)
repossession order
Lernen beginnen
a legal document that allows a bank or other company to repossess someone's house, car, etc. (nakaz przejęcia)
evicted
Lernen beginnen
someone forced to leave somewhere (eksmitowany)
last resort
Lernen beginnen
the only choice that remains after all others have been tried (w ostateczności)
mortgage holder
Lernen beginnen
mortgage borrower (posiadacz kredytu)
mortgaged up to the hilt
Lernen beginnen
when somebody's mortgage is the most they can possible afford (zadłużony po uszy)
negative equity
Lernen beginnen
a situation in which the value of a house has become less than the amount of money its owner borrowed in order to buy it (ujemny kapitał)
recipient
Lernen beginnen
a person or organization that receives something, such as money, a prize, etc. (świadczeniobiorca)
trustee
Lernen beginnen
a person, often one of a group, who controls property and/or money for another person or an organization (powiernik)
pension fund
Lernen beginnen
money that employees of a company pay regularly to be invested to provide them with a pension when they are older (fundusz emerytalny)
lump sum
Lernen beginnen
an amount of money that is paid in one large amount on one occasion (kwota ryczałtowa)
annuity
Lernen beginnen
you pay a lump sum, and receive regular payments for the rest of your life (renta)
life insurance
Lernen beginnen
your beneficiaries receive money if you die young (ubezpieczenie na życie)
life assurance
Lernen beginnen
your beneficiaries receive money when you die (ubezpieczenie na życie)
endowment assurance
Lernen beginnen
you receive a lump sum on a certain date (or earlier if you die) (zabezpieczenie kapitałowe)
endowment mortgage
Lernen beginnen
you borrow money to buy a house. Many years later, your endowment repays the loan (kredyt hipoteczny na dożycie)
private health insurance
Lernen beginnen
your private hospital bills are paid (prywatne ubezpieczenie zdrowotne)
sickness insurance
Lernen beginnen
if you're to ill to work, you receive payments (ubezpieczenie chorobowe)
equity release scheme
Lernen beginnen
you borrow money. When you die, your house is sold to repay the loan (program uwalniania kapitału)
insurance adjuster
Lernen beginnen
a person whose job is to check facts and information relating to an insurance claim and to decide how much money the insurance company should pay (rzeczoznawca ds. ubezpieczeń)
underwriter
Lernen beginnen
a person or company that sells insurance policies (ubezpieczyciel)
cover note
Lernen beginnen
a document that proves you have insurance while the policy is being processed (dowód ubezpieczenia)
insurer
Lernen beginnen
a person or company that insures someone or something (ubezpieczyciel)
insured / policyholder
Lernen beginnen
a person who has taken out insurance cover (ubezpieczony)
bill of lading
Lernen beginnen
a detailed list of ship's cargo (list przewozowy)
import duty / tarrifs
Lernen beginnen
extra money paid when goods are imported (cło przewozowe/importowe; taryfy celne)
to defer (a payment)
Lernen beginnen
to agree on paying the payment later on (odroczyć)
letter of credit
Lernen beginnen
a letter from a bank allowing the person who has it to take a particular amount of money from a bank in another country (akredytywa)
to wire (money)
Lernen beginnen
to send money to a bank account (przelać)
remittance
Lernen beginnen
bank transfer (przekaz pieniężny)
tax heaven
Lernen beginnen
a country with very low taxes (raj podatkowy)
tax-payer
Lernen beginnen
someone who pay taxes (podatnik)
domiciled
Lernen beginnen
being legally resident (= living) in a place (zamieszkały)
beneficiary
Lernen beginnen
a person who receives an international payment (beneficjent)
income tax
Lernen beginnen
tax on earnings, profits from the investments and any other sources of personal income (podatek dochodowy)
capital gains tax
Lernen beginnen
tax on profits made by selling assets such as businesses, rented houses and shares (podatek od zysków kapitałowych)
Value Added Tax (VAT)
Lernen beginnen
Tax on goods and services. In Poland it is charged at 23%
stamp duty
Lernen beginnen
a tax on specific transactions. For example, in the UK, it is payable by the buyer of a house (opłata skarbowa)
wealth tax
Lernen beginnen
tax on assets (such as houses) payable in some countries, but not in the UK
inheritance tax
Lernen beginnen
tax on assets of a person who has died. Used to be called "death duties" (podatek od spadku)
corporation tax
Lernen beginnen
in the UK, this is the name for the tax paid by companies (podatek dochodowy od osób prawnych)
tax relief
Lernen beginnen
liability for capital gains is reduced by 7.5 % for each year of ownership of the asset (ulga podatkowa)
tax break
Lernen beginnen
from April 6th next year, theatres will not have to pay tax on profits below 20.000 pounds (ulga podatkowa)
tax exile
Lernen beginnen
Ms Brown is British, but save tax she lives in Monaco (emigrant podatkowy)
direct taxation
Lernen beginnen
income tax (opodatkowanie bezpośrednie)
indirect taxation
Lernen beginnen
VAT (podatek pośredni)
tax avoidance
Lernen beginnen
Ms Smith pays an accountant to find lega ways to reduce her tax liability (unikanie opodatkowania)
tax evasion
Lernen beginnen
Mr Jones made a profit of 100.000 pounds from selling a business, but didn't declare it to the Inland Revenue (uchylanie się od podatku)
tax free
Lernen beginnen
no tax is payable on winnings from the National Lottery (zwolnienie z podatku)
tax loophole
Lernen beginnen
a legal provision that allows individuals or companies to reduce their tax liability in unintended ways (luka podatkowa)
tax brackets
Lernen beginnen
a range of similar incomes used to calculate the rate of income tax that people must pay (progi podatkowe)
tax incentive
Lernen beginnen
a reduction in taxes that encourages companies or people to do something that will help the country's economy (zachęta podatkowa)
tax rebate
Lernen beginnen
tax refund (zwrot podatku)

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