Curso Business English | Vocabulario financiero

Hablar de finanzas personales en inglés

 

En la lección de hoy os propongo cambiar el ámbito de las empresas y ver algunos términos relacionados con las finanzas personales. Hablaremos de diferentes tipos de cuentas (accounts), hipotecas (mortgage) y de algunos tipos de ingresos como el ingreso por desempleo (unemployment benefit).

Leed cuidadosamente el siguiente texto para preparar el ejercicio que os propongo:

In a bank, you usually have two types of accounts: a current account and a savings account. The current account is where you receive your salary and then you withdraw money for your every day expenses from a cash dispenser. Your bills are also paid out of this account by direct debit. You should avoid having an overdraft on this account. If your account is overdrawn or in the red, you will probably have to pay interest. The bank normally informs you of the situation of your account via a bank statement. Your savings account is where you deposit the extra money that you have.


For big purchases, like a flat or a car, you will need to get a bank loan. It means that you borrow money from the bank which you will have to pay back, normally via an outstanding order (a fixed amount of money every month). The loan you get to buy a house is called a mortgage. When the bank lends you money, you will have to pay interest.


Every year you have to pay tax. Income tax is the tax collected on salaries. If you have paid too much tax, the government will give you some money back. This money is called a tax rebate. The government also gives you money when you are unemployed. This is called unemployment benefit. When you receive it, we say that you are drawing unemployment benefit or that you are on the dole (in informal English).When you can’t work because you are old, you draw a pension.

Ejercicios prácticos de la lección

 

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