C1 noun Formal to neutral. Commonly used in banking, finance, and everyday discussions about personal savings.

lokata

/lɔˈkata/

Beispiele

1

Zdecydowałem się na lokatę krótkoterminową, aby mieć szybki dostęp do pieniędzy.

I decided on a short-term investment to have quick access to money.

2

Bank oferuje atrakcyjne lokaty z wysokim oprocentowaniem.

The bank offers attractive deposits with high interest rates.

3

Przed założeniem lokaty warto porównać oferty różnych banków.

Before setting up a deposit, it's worth comparing offers from different banks.

4

Jego oszczędności są bezpieczne, bo trzyma je na lokacie bankowej.

His savings are safe because he keeps them in a bank deposit.

5

Lokata terminowa to popularny sposób na pomnażanie kapitału.

A term deposit is a popular way to multiply capital.

Häufige Kollokationen

lokata bankowa (bank deposit)
lokata terminowa (term deposit)
wysoko oprocentowana lokata (high-interest deposit)

How to Use It

Nutzungshinweise

While 'lokata' can broadly refer to any investment, in common Polish financial discourse, it most often specifically refers to a bank deposit (a fixed-term savings account) rather than, say, investing in stocks or real estate. For general investment, 'inwestycja' is more appropriate.

Häufige Fehler

Using 'lokata' for high-risk investments like stocks; 'inwestycja' is more fitting for such contexts.
Confusing 'lokata' with 'lokalizacja' (location); despite similar roots, they have distinct meanings.

Tips

💡

💡

💡

Wortherkunft

From the verb 'lokować' (to place, to deposit), which in turn comes from Latin 'locare' (to place, to put).

Kultureller Kontext

Bank deposits (lokaty) are a very popular and traditional form of saving and investing in Poland, especially among those who prefer lower-risk options. Polish banks frequently compete by offering various types of 'lokaty' with different interest rates and terms.

Merkhilfe

Think of 'lokata' sounding a bit like 'locate a lot of money' – you locate your money in a bank for safekeeping and growth.

Häufig gestellte Fragen

3 Fragen

'Lokata' typically refers to a bank deposit, which is generally considered a lower-risk investment with a fixed interest rate. 'Inwestycja' is a broader term encompassing various forms of investing, including stocks, bonds, real estate, etc., which can carry higher risk and potentially higher returns.

Bank deposits ('lokaty') are generally considered safe, especially in countries with deposit guarantee schemes. However, like any financial product, there's always some level of risk, primarily related to inflation eroding the real value of your savings.

It depends on the type of 'lokata'. Term deposits ('lokaty terminowe') usually have a set maturity date, and withdrawing money before that date may result in losing accrued interest or incurring penalties. There are also 'lokaty odnawialne' (renewable deposits) or 'lokaty dynamiczne' (dynamic deposits) with more flexible withdrawal conditions.

Related Content

War das hilfreich?

Kommentare (0)

Zum Kommentieren Anmelden
Noch keine Kommentare. Sei der Erste, der seine Gedanken teilt!