→ ILSPT (08) - Basic English Vocabulary For Banking And Finance → Start Learning / Flashcards Téléchargement MP3

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

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

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