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spørsmålet		svaret
Information Undertakings Obligations to provide regular financial and operational updates. begynn å lære		zobowiązania informacyjne
Facility Period The duration during which the loan agreement remains in effect. begynn å lære		okres kredytowania
audited financial statements Financial reports reviewed and verified by an independent auditor. begynn å lære		audytowane sprawozdania finansowe
ultimate Holding Company The top-level parent company in a corporate structure. begynn å lære		ostateczna spółka holdingowa
Shareholder The entity that owns shares in the Borrower. begynn å lære		udziałowiec
General Contractor The main party responsible for construction works. begynn å lære		generalny wykonawca
Tenant The party leasing the property from the Borrower. begynn å lære		najemca
best-effort basis A commitment to try, but without a strict guarantee. begynn å lære		w miarę możliwości
acceptable to the Agent Approved by the party representing the lenders. begynn å lære		zaakceptowany przez Agenta
authorized signatory A person legally empowered to sign documents on behalf of a company. begynn å lære		upoważniony przedstawiciel
true and fair view A standard indicating that financial statements accurately reflect the company’s financial position. begynn å lære		rzetelny i prawdziwy obraz
fairly presenting Representing financial data without distortion or bias. begynn å lære		uczciwie przedstawiający
balance sheet A financial statement showing assets, liabilities, and equity at a specific point in time. begynn å lære		bilans
profit and loss account A statement showing revenues, expenses, and profit over a period. begynn å lære		rachunek zysków i strat
notes to financial statements Additional explanations and disclosures accompanying the main financial statements. begynn å lære		noty do sprawozdań finansowych
generally accepted accounting principles (GAAP) Standardized accounting rules used to prepare financial statements. begynn å lære		ogólnie przyjęte zasady rachunkowości
consistently applied Applied in the same manner across reporting periods for comparability. begynn å lære		stosowane w sposób spójny
Compliance Certificate A formal statement confirming compliance with financial covenants. begynn å lære		certyfikat zgodności
Clause 20 (Financial covenants) The section of the agreement setting financial performance requirements. begynn å lære		klauzula 20 (wskaźniki finansowe)
Calculation Day The date on which financial covenant compliance is assessed. begynn å lære		dzień obliczeniowy
Net Rental Income Rental income after deducting operating costs and taxes. begynn å lære		dochód netto z najmu
return of income tax Tax refund received or receivable by the Borrower. begynn å lære		zwrot podatku dochodowego
authorised attorney-in-fact A person legally empowered to act on behalf of the Borrower. begynn å lære		upoważniony pełnomocnik
electronic signature A digital form of signature legally recognized for document authentication. begynn å lære		podpis elektroniczny
rules of representation Legal rules defining who can sign documents on behalf of a company. begynn å lære		zasady reprezentacji
Occupancy Permit Official approval to use a completed building. begynn å lære		pozwolenie na użytkowanie
Operating Budget A financial plan for the property’s operating expenses and revenues. begynn å lære		budżet operacyjny
rent-roll A schedule listing tenants, rental terms, and payments. begynn å lære		zestawienie najmu
arrears Amounts overdue and unpaid by tenants. begynn å lære		zaległości
statement of operations Summary of income and expenses related to property operations. begynn å lære		zestawienie operacyjne
tax certificate Official confirmation of tax compliance. begynn å lære		zaświadczenie podatkowe
Social Security Office (ZUS) Polish institution managing social security contributions. begynn å lære		Zakład Ubezpieczeń Społecznych
litigation / arbitration / administrative proceedings Legal processes involving disputes or regulatory issues. begynn å lære		postępowania sądowe / arbitrażowe / administracyjne
promptly upon becoming aware Immediately after learning of a relevant fact or event. begynn å lære		niezwłocznie po uzyskaniu wiedzy
reasonably request A request that is justified and not excessive. begynn å lære		uzasadnione żądanie
pre-agreed in writing Approved in advance through formal written agreement. begynn å lære		uprzednio pisemnie uzgodnione
Default A breach of the loan agreement, such as missed payments or covenant violations. begynn å lære		naruszenie / niewykonanie zobowiązania
remedy To take corrective action to fix a breach or issue. begynn å lære		usunąć / naprawić
certificate A formal document confirming a specific status or condition. begynn å lære		certyfikat / zaświadczenie
Material Adverse Effect A significant deterioration in financial, legal, or operational condition. begynn å lære		istotnie negatywny wpływ
Business Day A day on which banks are open for business, excluding weekends and holidays. begynn å lære		dzień roboczy
Know your customer (KYC) Regulatory process of verifying the identity and background of clients. begynn å lære		poznaj swojego klienta
money laundering Concealing the origins of illegally obtained money. begynn å lære		pranie pieniędzy
financing of terrorism Providing financial support to terrorist activities. begynn å lære		finansowanie terroryzmu
Constitutional Documents Legal documents defining the company’s structure and representation rules. begynn å lære		dokumenty założycielskie
Power and authority Legal and corporate capacity to enter into and perform agreements. E.g., The Borrower has the power and authority to sign the loan agreement. begynn å lære		uprawnienia i kompetencje
No limit exceeded The transaction does not breach internal or legal limits. E.g., The borrowing does not exceed corporate powers. begynn å lære		brak przekroczenia uprawnień
Authorisations Required approvals or permits. E.g., Board resolutions, licenses, or regulatory consents. begynn å lære		zezwolenia / zgody
Admissible in evidence Legally acceptable in court. E.g., The agreement is admissible in evidence in Poland. begynn å lære		dopuszczalne jako dowód
Legal Reservations Standard legal limitations on enforceability. E.g., Subject to insolvency or enforcement laws. begynn å lære		ograniczenia prawne
Deduction or withholding for Tax Withholding tax applied to payments. E.g., No tax deduction is required under Polish law. begynn å lære		potrącenie lub pobór podatku
Stamp duty Tax on legal documents. E.g., Stamp duty applies to powers of attorney. begynn å lære		opłata skarbowa
Filing / recording / enrolling Legal formalities for enforceability. E.g., Mortgages must be registered in the land register. begynn å lære		złożenie / rejestracja / wpis
Pledge registry / share register Official registers for security interests. E.g., Pledges must be registered. begynn å lære		rejestr zastawów / rejestr udziałów
Event of Default A breach of contract triggering lender rights. E.g., Non-payment or breach of covenants. begynn å lære		przypadek naruszenia
Reasonably likely A realistic and foreseeable possibility. E.g., No default is reasonably likely to occur. begynn å lære		uzasadnione ryzyko
Utilisation Drawing funds under the loan facility. E.g., No default will result from any Utilisation. begynn å lære		wykorzystanie
Grace period A time window to remedy a breach before it becomes a default. E.g., A missed payment may become a default after the grace period. begynn å lære		okres karencji
Termination event A situation allowing a party to terminate a contract. E.g., Cross-default clauses often define termination events. begynn å lære		zdarzenie uprawniające do rozwiązania umowy
Misleading in any material respect Information that could mislead a lender in making a decision. E.g., Omitting a major tenant default. begynn å lære		wprowadzające w błąd w istotnym zakresie
Valuer Independent expert who assesses property value. E.g., The Valuer relied on Borrower’s data. begynn å lære		rzeczoznawca
Legal Due Diligence Report Legal analysis of the Borrower or project. E.g., Lawyers prepare this report for the Lenders. begynn å lære		raport z badania prawnego
Withheld or omitted Failure to disclose relevant information. E.g., The Borrower must not withhold material facts. begynn å lære		zatajenie lub pominięcie
Financial projections Forecasts of future financial performance. E.g., Based on reasonable assumptions. begynn å lære		prognozy finansowe
Generally accepted accounting principles (GAAP) Standardy stosowane przy sporządzaniu sprawozdań finansowych. E.g., Polish GAAP or IFRS. begynn å lære		powszechnie przyjęte zasady rachunkowości
Fairly represent Accurately reflect the financial condition. E.g., The statements fairly represent the Borrower’s operations. begynn å lære		rzetelnie przedstawiać
Material adverse change (MAC) A significant deterioration in financial or business condition. E.g., No MAC has occurred since the last financials. begynn å lære		istotna negatywna zmiana
Consistently applied Accounting policies used uniformly over time. E.g., No change in depreciation method. begynn å lære		stosowane w sposób spójny
pari passu A legal term meaning that obligations rank equally in priority of payment. begynn å lære		równorzędny / na równi
unsecured creditor A creditor who does not have collateral backing their claim. begynn å lære		wierzyciel niezabezpieczony
unsubordinated creditor A creditor whose claims are not ranked below others in case of insolvency. begynn å lære		wierzyciel niepodporządkowany
mandatorily preferred by law Obligations that are given priority by law, such as tax debts. begynn å lære		ustawowo uprzywilejowany
Material Adverse Effect A significant negative change in the borrower's financial or legal condition. begynn å lære		istotnie negatywny wpływ
Environmental Claim A legal action related to environmental damage or non-compliance. begynn å lære		roszczenie środowiskowe
Environmental Law Regulations governing pollution, waste, and environmental protection. begynn å lære		prawo środowiskowe
Environmental Permit An official authorization to carry out activities affecting the environment. begynn å lære		pozwolenie środowiskowe
hazardous substance A material that poses risks to health or the environment. begynn å lære		substancja niebezpieczna
ordinary course of operating Routine business activities carried out in normal operations. begynn å lære		zwykły tryb działalności
to the best of its knowledge A phrase limiting liability based on known information at the time. begynn å lære		według najlepszej wiedzy
carried on any business To engage in commercial or operational activities. begynn å lære		prowadzić działalność
consistent with In line with or not contradicting the terms of another document. begynn å lære		zgodny z
interest in property A legal or beneficial right to own or use a property. begynn å lære		udział w nieruchomości
beneficial ownership Ownership that provides the benefits of property even if not in name. begynn å lære		faktyczne posiadanie
unlimited liability A situation where an entity is fully liable for its debts. begynn å lære		nieograniczona odpowiedzialność
material liabilities Significant financial obligations that may affect solvency. begynn å lære		istotne zobowiązania
contingent liability A potential obligation depending on a future event. begynn å lære		zobowiązanie warunkowe
ordinary course of business Regular, routine operations of a company. begynn å lære		zwykły tryb działalności
aggregate amount The total sum of all items combined. begynn å lære		łączna kwota
Agent A party appointed to manage financial transactions on behalf of lenders. begynn å lære		agent
Existing Accounts Bank accounts already approved and in use by the Borrower. begynn å lære		istniejące rachunki
duly and punctually Properly and on time, in accordance with legal or contractual obligations. begynn å lære		należycie i terminowo
discharged To pay off or settle a financial obligation. begynn å lære		uregulowany / spłacony
Taxes imposed upon Taxes legally levied on a person or entity. begynn å lære		podatki nałożone na
incurring interest or penalties Becoming liable for additional charges due to late payment. begynn å lære		naliczanie odsetek lub kar
contested in good faith Disputed honestly and with legitimate reasons. begynn å lære		kwestionowany w dobrej wierze
appropriate means Legal or procedural methods suitable for the situation. begynn å lære		odpowiednie środki
validly made request A formally submitted and legally acceptable application. begynn å lære		prawidłowo złożony wniosek
Tax returns Official documents filed with tax authorities reporting income and taxes owed. begynn å lære		zeznania podatkowe
claims asserted Legal demands or accusations made against a party. begynn å lære		roszczenia zgłoszone
reasonably likely A realistic possibility based on known facts or circumstances. begynn å lære		uzasadnione prawdopodobieństwo
valid title A legally recognized ownership right to an asset. begynn å lære		ważny tytuł prawny
Transaction Security Assets pledged to secure the obligations under the finance documents. begynn å lære		zabezpieczenie transakcyjne
encumbrance A legal claim or restriction on a property, such as a lien or easement. begynn å lære		obciążenie
easement A right to use part of a property for a specific purpose (e.g., utility access). begynn å lære		służebność
Land and Mortgage Registers Official public records of property ownership and encumbrances. begynn å lære		księgi wieczyste
subsidence The gradual sinking of land, which can damage buildings. begynn å lære		osiadanie gruntu
material damage Significant physical harm that affects the value or usability of an asset. begynn å lære		istotne uszkodzenie
structural defect A flaw in the building’s structure that may compromise safety or value. begynn å lære		wada konstrukcyjna
good faith Acting honestly and without intent to deceive. begynn å lære		dobra wiara
impede To obstruct or hinder progress or use. begynn å lære		utrudniać
mortgage A legal charge over property to secure a loan. begynn å lære		hipoteka
Security A legal right over assets to secure repayment of a loan. begynn å lære		zabezpieczenie
Negative pledge A clause preventing the borrower from creating additional security interests. begynn å lære		zakaz ustanawiania zabezpieczeń
first ranking priority The highest level of priority in case of enforcement or liquidation. begynn å lære		pierwszeństwo w kolejności zaspokojenia
pari passu ranking Equal ranking with other creditors or security holders. begynn å lære		równorzędna kolejność zaspokojenia
share capital The total value of shares issued by a company. begynn å lære		kapitał zakładowy
fully paid Shares for which the full purchase price has been paid. begynn å lære		w pełni opłacony
option to purchase A contractual right to buy shares at a future date. begynn å lære		opcja zakupu
Constitutional Documents Legal documents that define the structure and rules of a company (e.g., articles of association). begynn å lære		dokumenty założycielskie
restrict or inhibit To prevent or make difficult the execution of certain actions. begynn å lære		ograniczać lub utrudniać
enforcement of the Security The process of realizing the value of security in case of default. begynn å lære		wykonanie zabezpieczenia
owns and controls Has legal ownership and decision-making authority. begynn å lære		posiada i kontroluje
insolvent Unable to pay debts as they become due. begynn å lære		niewypłacalny
threatened with insolvency At risk of becoming insolvent based on financial condition. begynn å lære		zagrożony niewypłacalnością
Transaction Document Any agreement related to the financing transaction. begynn å lære		dokument transakcyjny
winding-up The process of closing a company and distributing its assets. begynn å lære		likwidacja
dissolution Legal termination of a company’s existence. begynn å lære		rozwiązanie
restructuring / reorganisation Changing the structure or operations of a company to improve viability. begynn å lære		restrukturyzacja / reorganizacja
liquidation Selling assets to pay off debts, often in insolvency. begynn å lære		upadłość / likwidacja
receiver / administrator / trustee A person appointed to manage a company’s assets during insolvency. begynn å lære		syndyk / zarządca / powiernik
foreign bankruptcy proceedings Insolvency processes initiated in another jurisdiction. begynn å lære		zagraniczne postępowania upadłościowe
rescheduling / refinancing Adjusting payment terms or replacing debt with new financing. begynn å lære		zmiana harmonogramu / refinansowanie
Obligor A party that has obligations under the finance documents. begynn å lære		zobowiązany
immunity from suit Legal protection preventing a party from being sued. begynn å lære		immunitet od pozwu
execution / attachment Legal processes to enforce a judgment or secure assets. begynn å lære		egzekucja / zajęcie
legal process Any formal legal action or proceeding. begynn å lære		procedura prawna
Authorisation Official permission required by law or regulation. begynn å lære		zezwolenie / zgoda
Building Permit Legal approval to begin construction. begynn å lære		pozwolenie na budowę
Environmental Permit Authorization to carry out activities affecting the environment. begynn å lære		pozwolenie środowiskowe
transferred to Legally assigned or moved to another party. begynn å lære		przeniesione na
Project Documents Contracts and materials defining the scope and terms of a development project. begynn å lære		dokumenty projektowe
material amendments Significant modifications that affect the substance of a document. begynn å lære		istotne zmiany
Agent A party representing the lenders and overseeing compliance. begynn å lære		agent
Intellectual Property Creations of the mind, such as designs, inventions, and trademarks. begynn å lære		własność intelektualna
legal and beneficial owner A person who holds legal title and enjoys the benefits of ownership. begynn å lære		właściciel prawny i faktyczny
licence Permission to use intellectual property under agreed terms. begynn å lære		licencja
Final Completion Date The date by which the project must be fully completed. begynn å lære		data ostatecznego zakończenia
infringe To violate someone’s legal rights, especially intellectual property. begynn å lære		naruszać
challenge to validity A legal dispute questioning whether a right or document is legally enforceable. begynn å lære		zakwestionowanie ważności
Required Equity Contribution The amount of equity the borrower must invest in the project. begynn å lære		wymagany wkład kapitałowy
Subordinated Loan A loan that ranks below other debts in case of liquidation. begynn å lære		pożyczka podporządkowana
Material Adverse Effect A significant negative change in financial or legal condition. begynn å lære		istotnie negatywny wpływ
Original Financial Statements The initial financial reports used as a reference point in the agreement. begynn å lære		pierwotne sprawozdania finansowe
Repeating Representations Representations that are deemed to be repeated at regular intervals (e.g., interest payment dates). begynn å lære		powtarzalne oświadczenia
deemed to be repeated Considered as restated without needing a new formal declaration. begynn å lære		uznawane za ponownie złożone
Interest Payment Date The scheduled date on which interest is due under the loan agreement. begynn å lære		dzień płatności odsetek
without undue delay As soon as reasonably possible, without unnecessary postponement. begynn å lære		bez zbędnej zwłoki
no longer true or valid A statement that has become incorrect or inapplicable due to changed circumstances. begynn å lære		już nieprawdziwe lub nieważne
Currency indemnity Compensation for losses due to currency conversion. E.g., The Borrower must cover FX losses if payment is made in the wrong currency. begynn å lære		odszkodowanie walutowe
Receivable Amount due to be received. E.g., The receivable is denominated in EUR. begynn å lære		należność
Conversion rate Exchange rate used to convert currencies. E.g., Based on the Lender’s internal rate. begynn å lære		kurs przeliczeniowy
Court enforcement proceedings Legal process to recover debt. E.g., Payment obtained through court enforcement. begynn å lære		postępowanie egzekucyjne
Hedge Documents Contracts for financial hedging (e.g., swaps). E.g., Currency indemnity does not apply to Hedge Documents. begynn å lære		dokumenty zabezpieczające
Other indemnities Compensation for specific costs not covered elsewhere. E.g., Costs due to Event of Default. begynn å lære		inne odszkodowania
Event of Default A breach of contract triggering lender rights. E.g., Non-payment or covenant breach. begynn å lære		przypadek naruszenia
Utilisation Request A formal request to draw funds. E.g., The Borrower submitted a Utilisation Request. begynn å lære		zlecenie wykorzystania
Prepayment notice Notice from the Borrower to repay early. E.g., Costs arise if the Borrower fails to prepay as notified. begynn å lære		zawiadomienie o przedterminowej spłacie
Documented costs Costs supported by evidence. E.g., Legal fees, funding costs, etc. begynn å lære		udokumentowane koszty
Indemnity to the Agent Compensation for losses or costs incurred by the Agent. E.g., The Borrower must indemnify the Agent for investigation costs. begynn å lære		odszkodowanie na rzecz Agenta
Reasonably believes Based on objective, rational judgment. E.g., The Agent reasonably believes a Default occurred. begynn å lære		uzasadnienie uważa
Properly documented cost Cost supported by evidence (e.g., invoices). E.g., Legal fees must be properly documented. begynn å lære		należycie udokumentowany koszt
Instruction A directive or order given to the Agent. E.g., The Agent relied on an instruction from the Borrower. begynn å lære		instrukcja
Mitigation Steps to reduce or avoid negative consequences. E.g., The Lender may transfer obligations to mitigate costs. begynn å lære		działania ograniczające
Affiliate A company related by ownership or control. E.g., Rights may be transferred to an Affiliate. begynn å lære		jednostka powiązana
Limitation of liability Restriction on obligations or liability. E.g., The Lender is not obliged to mitigate if it would be prejudicial. begynn å lære		ograniczenie odpowiedzialności
Prejudicial Likely to cause harm or disadvantage. E.g., The Lender may refuse mitigation if it is prejudicial. begynn å lære		szkodliwy / niekorzystny
Reasonably incurred Costs that are fair and justifiable. E.g., The Borrower must reimburse reasonably incurred expenses. begynn å lære		poniesione w uzasadniony sposób
Transaction expenses External costs related to preparing and executing the loan. E.g., Legal and notary fees. begynn å lære		koszty transakcyjne
Perfection Legal process of making a security interest enforceable. E.g., Registration of mortgage. begynn å lære		ustanowienie (zabezpieczeń)
Legal Due Diligence Report Legal review of the project or borrower. E.g., Required before first disbursement. begynn å lære		raport z badania prawnego
Separately pre-agreed Agreed in advance between parties. E.g., Costs must be pre-agreed to be reimbursed. begynn å lære		uprzednio uzgodnione
Amendment A modification to the terms of the agreement. E.g., The Borrower requested an amendment to the repayment schedule. begynn å lære		zmiana (umowy)
Waiver A formal relinquishment of a contractual right. E.g., A waiver of a financial covenant. begynn å lære		zrzeczenie się prawa
Consent Formal approval by the Lenders or Agent. E.g., Consent to release a security. begynn å lære		zgoda
Duly documented Supported by proper evidence (e.g., invoices). E.g., Only duly documented costs are reimbursed. begynn å lære		należycie udokumentowany
Pre-agreed Agreed in advance between parties. E.g., Costs must be pre-agreed to be reimbursed. begynn å lære		uprzednio uzgodniony
Representation and Warranty A formal statement of fact made by the Borrower. E.g., The Borrower represents it is duly incorporated. begynn å lære		oświadczenie i zapewnienie
Duly incorporated Legally formed under applicable law. E.g., A limited liability company under Polish law. begynn å lære		należycie zarejestrowany
Centre of Main Interests (COMI) The main place of business for insolvency purposes. E.g., COMI is in Poland. begynn å lære		centrum interesów gospodarczych
Establishment A place of operations in another jurisdiction. E.g., The Borrower has no establishment outside Poland. begynn å lære		zakład
Regulation (EU) 2015/848 EU regulation on cross-border insolvency proceedings. E.g., Defines COMI and establishment. begynn å lære		rozporządzenie UE 2015/848
Gross-up Increasing a payment to offset tax deductions. E.g., The Borrower must gross-up payments to ensure the Lender receives the full amount. begynn å lære		bruttowanie
Tax Deduction Withholding tax required by law. E.g., If a tax deduction applies, the Borrower must gross-up. begynn å lære		potrącenie podatkowe
Net amount Amount received after deductions. E.g., The Lender must receive the net amount as if no tax was withheld. begynn å lære		kwota netto
Pursuant to provisions of law As required by applicable legislation. E.g., Tax deductions may be required pursuant to law. begynn å lære		zgodnie z przepisami prawa
Indemnities Obligations to compensate for losses or damages. E.g., The Borrower shall indemnify the Lender for any tax-related losses. begynn å lære		odszkodowania
Qualifying Lender A lender that meets tax treaty or domestic law conditions to receive payments without withholding. E.g., No gross-up applies if the Lender is not a Qualifying Lender. begynn å lære		kwalifikowany kredytodawca
Treaty Lender A lender entitled to tax benefits under a double tax treaty. E.g., A Treaty Lender must provide tax documents. begynn å lære		kredytodawca traktatowy
Published practice or concession Official tax authority guidance or relief. E.g., Changes in published practice may affect gross-up obligations. begynn å lære		opublikowana praktyka lub ulga
Procedural formalities Administrative steps to obtain tax exemption. E.g., Filing forms to avoid withholding tax. begynn å lære		formalności proceduralne
Stamp duty A tax on legal documents. E.g., The Borrower must reimburse stamp duties. begynn å lære		opłata skarbowa
Registration fees Fees for registering legal documents. E.g., Payable in connection with security documents. begynn å lære		opłaty rejestracyjne
VAT (Value Added Tax) Tax on goods and services. E.g., VAT may apply if tax law changes. begynn å lære		podatek VAT
Exclusive of VAT Not including VAT. E.g., All amounts are deemed exclusive of VAT. begynn å lære		netto (bez VAT)
Reimbursement Repayment of expenses. E.g., The Borrower shall reimburse the Lender for VAT on costs. begynn å lære		zwrot kosztów
Not entitled to deduction Cannot recover VAT. E.g., VAT is payable if the Lender is not entitled to deduction. begynn å lære		bez prawa do odliczenia
Increased Costs Additional costs due to legal or regulatory changes. E.g., The Borrower must reimburse Increased Costs. begynn å lære		zwiększone koszty
Basel III / CRD IV International banking regulations on capital and liquidity. E.g., New Basel III rules may increase costs. begynn å lære		Bazylea III / CRD IV
Proportionally Allocated based on share or exposure. E.g., Costs are calculated proportionally if affecting a class of loans. begynn å lære		proporcjonalnie
Compliance Adhering to laws or regulations. E.g., Costs incurred due to compliance with new rules. begynn å lære		zgodność / przestrzeganie
Demand by the Agent Formal request for payment. E.g., The Borrower must pay within 10 days of the Agent’s demand. begynn å lære		żądanie Agenta

Umowa kredytowa 3

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