C1 · 50 words
Banking and credit in Spanish
Account, creditworthiness, mortgage, security — what stands at the counter and in the contract.
Practise this list
From these 50 words, as many per round as you like — up to all of them: first what is due today, then new ones. First you choose, then you fill the gap, then you write it yourself. Mistakes come back again shortly.
More about this list
La escritura de hipoteca is signed in front of a notary, and la escritura is one of the plainest words in Spanish doing one of the most formal jobs. It is writing — la escritura árabe, aprender la escritura — and it is also the deed, the document a notary draws up and keeps: la escritura de compraventa, elevar a escritura pública. English separates the two completely, « writing » on one side and « the deed » on the other, and hears no connection between them. Spanish still hears the act of writing something down where it will stay.
The words
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Phrase (50)
la entidad financierathe credit institutionPhraseC1
La entidad financiera está sujeta a supervisión.The credit institution is under supervision.
la cuenta de pago básicathe basic payment accountPhraseC1
La cuenta de pago básica no puede negarse sin motivo.The basic payment account cannot be refused without a reason.
la comisión de mantenimientothe fee for keeping the accountPhraseC1
La comisión de mantenimiento se evita con domiciliaciones.The fee for keeping the account is waived if the bills are paid from it.
el descubierto en cuentathe overdraft on the accountPhraseC1
El descubierto en cuenta es el dinero más caro que existe.The overdraft on the account is the dearest money there is.
la domiciliación bancariathe order that lets the payee collectPhraseC1
La domiciliación bancaria se puede devolver.The order that lets the payee collect can be sent back.
la orden permanentethe order the payer sends every monthPhraseC1
La orden permanente se ejecuta el mismo día cada mes.The order the payer sends every month goes out on the same day each time.
el saldo disponiblethe balance one can actually spendPhraseC1
El saldo disponible no es el saldo contable.The balance one can actually spend is not the book balance.
el apunte en cuentathe entry on the statementPhraseC1
El apunte en cuenta lleva concepto y fecha de valor.The entry on the statement carries a description and a value date.
la fecha de valorthe date the money counts fromPhraseC1
La fecha de valor no siempre es la del apunte.The date the money counts from is not always the day of the entry.
la tarjeta revolventethe card that rolls the debt overPhraseC1
La tarjeta revolvente convierte la compra en un crédito caro.The card that rolls the debt over turns a purchase into an expensive loan.
el pago aplazadothe paying by instalments on the cardPhraseC1
El pago aplazado de la tarjeta sale muy caro.The paying by instalments on the card works out very dear.
el crédito al consumothe consumer loanPhraseC1
El crédito al consumo no pide garantía real.The consumer loan asks for nothing to be pledged.
el préstamo hipotecariothe loan against a propertyPhraseC1
El préstamo hipotecario dura décadas.The loan against a property runs for decades.
el tipo nominalthe rate in the advertisementPhraseC1
El tipo nominal es el que sale en el anuncio.The rate in the advertisement is the one printed large.
la tasa anual equivalentethe yearly rate with the charges in itPhraseC1
La tasa anual equivalente incluye las comisiones.The yearly rate with the charges in it takes the fees in as well.
el tipo variablethe rate that is reviewedPhraseC1
El tipo variable se revisa cada año.The rate that is reviewed is looked at once a year.
el diferencial sobre el índicethe margin added to the indexPhraseC1
El diferencial sobre el índice no cambia en toda la vida del préstamo.The margin added to the index never changes for the life of the loan.
el sistema de amortizaciónthe way the loan is paid downPhraseC1
El sistema de amortización decide cuánto es interés al principio.The way the loan is paid down decides how much of the early money is interest.
la cuota del préstamothe instalment on the loanPhraseC1
La cuota del préstamo apenas amortiza al principio.The instalment on the loan pays down almost nothing at first.
la amortización anticipadathe paying down ahead of timePhraseC1
La amortización anticipada puede llevar comisión.The paying down ahead of time may carry a charge.
el periodo de carenciathe stretch with nothing paid downPhraseC1
El periodo de carencia alarga el total pagado.The stretch with nothing paid down raises the total paid.
la solvencia del solicitantehow able the applicant is to payPhraseC1
La solvencia del solicitante se estudia con documentos.How able the applicant is to pay is studied from documents.
el análisis de riesgos del créditothe study of what the loan risksPhraseC1
El análisis de riesgos del crédito mira ingresos y deudas.The study of what the loan risks looks at income and at debts.
la ratio de endeudamientohow much of the income is already owedPhraseC1
La ratio de endeudamiento marca un techo.How much of the income is already owed has a ceiling.
el fichero de morososthe register of bad payersPhraseC1
El fichero de morosos cierra muchas puertas.The register of bad payers closes a great many doors.
la garantía personalthe guarantee given by a personPhraseC1
La garantía personal responde con todo el patrimonio.The guarantee given by a person answers with everything that person owns.
la fianza solidariathe guarantee that answers like the debtorPhraseC1
La fianza solidaria responde como el propio deudor.The guarantee that answers like the debtor stands exactly where the debtor stands.
la garantía realthe guarantee resting on a thingPhraseC1
La garantía real recae sobre un bien concreto.The guarantee resting on a thing falls on one named object.
la tasación del inmueblethe value put on the propertyPhraseC1
La tasación del inmueble la paga el cliente.The value put on the property is paid for by the customer.
el porcentaje de financiaciónthe share of that value the bank will lendPhraseC1
El porcentaje de financiación rara vez llega al total.The share of that value the bank will lend rarely reaches the whole of it.
la escritura de hipotecathe mortgage deedPhraseC1
La escritura de hipoteca se firma ante notario.The mortgage deed is signed in front of a notary.
la inscripción en el registrothe entry in the land registerPhraseC1
La inscripción en el registro da rango a la garantía.The entry in the land register gives the security its rank.
la subrogación del préstamothe moving of the loan to another bankPhraseC1
La subrogación del préstamo cambia de banco sin cancelar.The moving of the loan to another bank changes bank without paying it off.
la novación del contratothe changing of one term in the contractPhraseC1
La novación del contrato cambia una condición y deja el resto.The changing of one term in the contract leaves the rest as it was.
la cláusula suelothe clause that stops the rate fallingPhraseC1
La cláusula suelo impedía bajar del mínimo pactado.The clause that stops the rate falling kept it above an agreed floor.
la comisión de estudiothe fee for looking at the applicationPhraseC1
La comisión de estudio se cobra aunque no se conceda.The fee for looking at the application is charged even if it is refused.
el impago de la cuotathe missed instalmentPhraseC1
El impago de la cuota dispara los intereses.The missed instalment sends the interest up.
el vencimiento anticipadothe calling in of the whole loanPhraseC1
El vencimiento anticipado exige el préstamo entero.The calling in of the whole loan demands all of it at once.
la ejecución hipotecariathe forced sale of the mortgaged propertyPhraseC1
La ejecución hipotecaria termina en subasta.The forced sale of the mortgaged property ends at auction.
la dación en pagothe handing over of the property to clear the debtPhraseC1
La dación en pago cancela la deuda con el propio inmueble.The handing over of the property to clear the debt wipes the debt out with the flat itself.
la reestructuración de la deudathe reshaping of the debtPhraseC1
La reestructuración de la deuda alarga y abarata la cuota.The reshaping of the debt makes it longer and the instalment smaller.
la línea de créditothe credit line drawn on as neededPhraseC1
La línea de crédito se paga por lo dispuesto.The credit line drawn on as needed is paid for on what is taken.
el aval bancariothe guarantee given by a bankPhraseC1
El aval bancario sustituye a un depósito en efectivo.The guarantee given by a bank stands in place of cash lodged.
el descuento comercialthe advance on an unpaid invoicePhraseC1
El descuento comercial adelanta el cobro de una factura.The advance on an unpaid invoice brings the payment forward.
el depósito a plazothe money locked away for a termPhraseC1
El depósito a plazo penaliza sacar antes.The money locked away for a term punishes taking it out early.
el fondo de garantía de depósitosthe fund that covers depositsPhraseC1
El fondo de garantía de depósitos cubre hasta un límite por titular.The fund that covers deposits pays up to a limit for each holder.
la banca en líneabanking done onlinePhraseC1
La banca en línea pide un segundo factor.Banking done online asks for a second factor.
el fraude por suplantaciónthe fraud that pretends to be somebody elsePhraseC1
El fraude por suplantación imita el mensaje del banco.The fraud that pretends to be somebody else copies the bank's own message.
la reclamación al bancothe complaint made to the bankPhraseC1
La reclamación al banco pasa primero por su propio servicio.The complaint made to the bank goes first through the bank's own office.
el supervisor bancariothe authority that watches the banksPhraseC1
El supervisor bancario resuelve cuando el banco no lo hace.The authority that watches the banks decides when the bank will not.
Missing a word? Look it up in the dictionary
This list belongs to Money, finance and economy — 16 lists and 800 words that can also be practised as a whole.