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câu hỏi |
câu trả lời |
Po pierwsze, pamiętaj, że masz do wyboru wiele rodzajów stóp procentowych bắt đầu học
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First of all, remember that there are several types of interest rates to choose from
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Banki ustalają tzw. "bazową stopę oprocentowania", która funkcjonuje jako minimalna stopa procentowa bắt đầu học
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Banks have a so-called "base rate", which acts as the minimum interest rate
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Stopa procentowa dla twojej pożyczki nie będzie niższa od stopy bazowej bắt đầu học
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The interest rate for your loan will not fall below this base rate.
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Zamiast tego, będziesz płacić odsetki "wyższe niż stopa bazowa. bắt đầu học
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Instead, you will be paying an interest rate "above base rate
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Na przykład, jeżeli bazowa stopa oprocentowania wynosi 7% bắt đầu học
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For example, if the base interest rate is 7%
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a tobie zaoferowano odsetki "wyższe niż stopa bazowa" w wysokości 3% bắt đầu học
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and you were offered an interest rate "higher than the base rate" of 3%
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to stopa procentowa twojej pożyczki w rzeczywistości wyniesie 10%. bắt đầu học
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then the interest rate on your loan will actually be 10%.
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Ponadto, stopa procentowa może być stała lub zmienna bắt đầu học
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Furthermore, the interest rate can be fixed or floating
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Stała stopa procentowa nie zmienia się przez cały czas trwania pożyczki bắt đầu học
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A fixed interest rate stays constant for the entire loan term
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podczas gdy stopa zmienna może zmieniać się zależenie od referencyjnej stopy oprocentowania bắt đầu học
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whereas a floating interest rate may fluctuate based on a reference rate
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LIBOR - stopa procentowa dla Londyńskiego Rynku Międzybankowego bắt đầu học
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LIBOR - the London Interbank Offered Rate
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Plusem stałej stopy procentowej jest to, że zawsze będziesz wiedzieć bắt đầu học
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The advantage of a fixed interest rate is that you will always know
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ile wyniosą opłaty za twoje miesięczne odsetki, ale będziesz spłacać tę stałą stopę procentową bắt đầu học
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how much interest you have to pay each month, but you will keep paying this fixed interest rate
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nawet jeśli wysokość zmiennej stopy procentowej znacznie spadnie. bắt đầu học
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even when the floating interest rate drops drastically.
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Przy wyborze pożyczki istotny jest także jej cel bắt đầu học
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When choosing a loan, your loan purpose is also important
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Na przykład, jeżeli potrzebujesz środków na założenie nowej firmy bắt đầu học
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For example, if you need funds to set up a new company
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raczej zdecydujesz się na pożyczkę biznesową bắt đầu học
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you would rather take out a business loan
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Jeżeli natomiast potrzebujesz pieniędzy, by kupić dom lub samochód, wybierzesz pożyczkę osobistą bắt đầu học
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Instead, if you need money to purchase a house or car, you would go for a persona
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Do wzięcia pożyczki biznesowej zazwyczaj wymagany jest poręczyciel, czyli osoba, która zagwarantuje, że pożyczka zostanie spłacona bắt đầu học
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A business loan typically requires a guarantor to sign the loan, which is a person who guarantees that the loan will be repaid
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W przypadku pożyczek osobistych, najczęściej nie ma takiego wymogu. bắt đầu học
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This is usually not required for personal loans
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bắt đầu học
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bắt đầu học
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bắt đầu học
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bắt đầu học
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Bank udzielił mi kredytu. bắt đầu học
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I was given a loan by the bank
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Hannah ma nadzieję, że otrzyma kredyt hipoteczny. bắt đầu học
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Hannah hopes she will be granted a mortgage loan
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Pana zdolność kredytowa jest naprawdę niska. bắt đầu học
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creditworthiness / credit capacity Sir, your credit score is truly awful.
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bắt đầu học
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Żeby złożyć wniosek o kredyt hipoteczny, powinieneś utrzymywać dobrą zdolność kredytową. bắt đầu học
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In order to apply for a mortgage, you should maintain a good credit rating
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bắt đầu học
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płatność, termin płatności bắt đầu học
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payment deadline, maturity
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prolongata, karencja, okres prolongaty bắt đầu học
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Jaka jest karencja dla tego długu? bắt đầu học
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What's the grace period for this debt?
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bắt đầu học
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bắt đầu học
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bắt đầu học
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bắt đầu học
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bắt đầu học
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bắt đầu học
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bắt đầu học
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Nie należy odrywać zabezpieczenia z pudełka. bắt đầu học
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Do not tear off the security from the box
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Nikt nie wiedział jak zdjąć z bluzki zabezpieczenie. bắt đầu học
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No one knew how to take off the security off the shirt
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bắt đầu học
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Żebyś dostał kredyt, bank musi sprawdzić twoją sytuację finansową. bắt đầu học
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In order to get a loan, the bank must check your financial health.
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Kredyt ze spłatą jednorazową jest spłacany na koniec okresu kredytowania. bắt đầu học
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The bullet loan is paid at the maturity of the loan.
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Kwota główna to kwota pożyczona, bez wliczenia odsetek. bắt đầu học
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Principal is the amount borrowed, not including interest.
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Zazwyczaj podczas okresu karencji, dłużnik nie musi dokonywać spłaty rat kapitałowych. bắt đầu học
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Usually during a grace period a borrower does not need to make any principal payments.
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bắt đầu học
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Rachunek był płatny do dzisiaj. bắt đầu học
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The bill was due until today.
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Opłata jest płatna w sekretariacie. bắt đầu học
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The fee is due in the office.
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mieć oprocentowanie w wysokości 2% bắt đầu học
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pożyczka w wysokości 1000$ bắt đầu học
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a loan in the amount of 1000$
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bắt đầu học
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bắt đầu học
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bắt đầu học
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bắt đầu học
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pobrać opłatę manipulacyjną bắt đầu học
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charge the processing fee
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Wypełnij swój wniosek o pożyczkę. bắt đầu học
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Fill in your loan application.
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złożyć wniosek o pożyczkę bắt đầu học
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rozpatrzyć wniosek o pożyczkę bắt đầu học
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process a loan application
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Bank potrąci opłatę za realizację w kwocie 10 dolarów. bắt đầu học
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The bank will charge the processing fee in the amount of 10$.
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Jeszcze nie przyznano mi pożyczki, ale bank wystosował już obietnicę. bắt đầu học
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I haven't been approved for a loan yet, but the bank has already made a promise.
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Pożyczka krótkoterminowa, którą chcę wziąć ma oprocentowanie w wysokości 3,2%. bắt đầu học
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The short-term loan I am about to take is charged at 3.2%.
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Spłata kredytu hipotecznego jest wyznaczona na 12 stycznia 2018. bắt đầu học
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My mortgage is due on January 12, 2018
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Mogę teraz pobrać zaliczkę. bắt đầu học
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I am able now to draw down an advance.
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Chciałabym wziąć pożyczkę bắt đầu học
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I would like to take out a loan
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Czy mogłaby pani sprecyzować cel pożyczki oraz jej wysokość? bắt đầu học
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Could you please specify the loan purpose and how much you would like to borrow?
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Chciałabym pożyczyć 7500 funtów na kupno nowego samochodu. bắt đầu học
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would like to borrow £7500 to purchase a new car.
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Jest to jednak moja pierwsza pożyczka. Na czym polega ten proces? bắt đầu học
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However, it is my first time borrowing money. Could you explain the process to me?
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Przed wypłaceniem pieniędzy, będziemy musieli przeanalizować pani sytuację finansową, aby obliczyć zdolność kredytową. bắt đầu học
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Of course. Before we disburse a loan, we will have to analyse your financial situation in order to set up a personal credit score.
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Musimy ustalić zdolność kredytową celem oszacowania ryzyka kredytowego bắt đầu học
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We need to establish a credit score in order to estimate the credit risk
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czyli jakie jest prawdopodobieństwo tego, że pożyczkobiorca nie będzie w stanie spłacić długu. bắt đầu học
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the possibility that the borrower will fail to repay the debt.
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bắt đầu học
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To znaczy, że przeanalizujemy kilka czynników ryzyka, aby oszacować pani kondycję finansową. bắt đầu học
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This means that we will analyse several risk factors to estimate your financial health.
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W skład tego wchodzą pani dochód, stabilność zatrudnienia i inne bắt đầu học
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I will file the loan application right now.
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bắt đầu học
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I understand. What will happen next?
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Na podstawie pani zdolności kredytowej ustalimy limit pożyczki oraz jej miesięczne oprocentowanie. bắt đầu học
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Based on your credit score we will determine your borrowing limit and your monthly interest rate.
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W takim razie, co powinnam zrobić, aby uzyskać pożyczkę? bắt đầu học
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So what should I do to get a loan?
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Może pani teraz złożyć wniosek o pożyczkę bắt đầu học
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You can file a loan application right now.
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Rozpatrzymy go w ciągu dziesięciu dni roboczych. bắt đầu học
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We will process the loan application within ten working days
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Opłata za rozpatrzenie wniosku wynosi 25 funtów. bắt đầu học
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We charge a processing fee of £25.
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Rozumiem. Kiedy będę mogła podjąć pieniądze? bắt đầu học
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Understood. When can I draw down the funds?
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Jak tylko zaakceptujemy pani wniosek, a potrzebne dokumenty zostaną podpisane bắt đầu học
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As soon as we have approved your application and the necessary documents have been signed
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będzie pani mogła podjąć sumę, którą ustaliliśmy. bắt đầu học
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you can draw down the sum we have agreed on.
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od razu złożę wniosek o pożyczkę bắt đầu học
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I will apply for a loan right away
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obrona, usprawiedliwienie, potwierdzenie bắt đầu học
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bắt đầu học
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windykator, poborca należności bắt đầu học
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Reelekcja jest potwierdzeniem wysokiej pozycji Laury. bắt đầu học
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The reelection is a vindication of Laura's high position
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Czasami poborcy należności stosują nieuczciwe praktyki, aby odzyskać należne pieniądze. bắt đầu học
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Sometimes debt collectors use unfair techniques to get the money owed
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Mój wujek pracuje dla firmy windykacyjnej. bắt đầu học
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My uncle works for a loan collection agency
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Mój wujek pracuje dla firmy windykacyjnej. bắt đầu học
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My uncle works for a loan collection agency
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Reelekcja jest potwierdzeniem wysokiej pozycji Laury. bắt đầu học
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The reelection is a vindication of Laura's high position
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