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

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

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

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