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

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

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