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

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

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