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C1 noun 중립 2분 분량

kredyt

ˈkrɛdɨt
연습하기

Overview

The Polish word 'kredyt' directly translates to 'credit' in English, and it encompasses the financial concept of obtaining goods, services, or money with a promise to repay it later, often with interest. This ability for a customer to obtain goods before payment is a fundamental aspect of modern economies, facilitating consumption and investment beyond immediate cash availability.

In Poland, 'kredyt' can refer to several types of financial products. A common form is a consumer 'kredyt' (kredyt konsumencki), which allows individuals to purchase items like electronics, furniture, or even cars by borrowing funds from a bank or other financial institution. These loans typically have fixed repayment schedules over a set period.

Another significant type is a mortgage 'kredyt' (kredyt hipoteczny), used for purchasing real estate. Given the substantial amounts involved, these are long-term loans, often spanning decades, and are secured by the property itself. Banks assess a borrower's creditworthiness rigorously, considering factors like income, employment stability, and existing debts.

Beyond these, 'kredyt' can also refer to a credit card (karta kredytowa), which provides a revolving line of credit. Cardholders can make purchases up to a certain limit and are required to pay at least a minimum amount each month, with interest accruing on the outstanding balance.

For businesses, 'kredyt' is crucial for operations and expansion. This can include working capital loans (kredyt obrotowy) to cover day-to-day expenses, investment loans (kredyt inwestycyjny) for large-scale projects, or lines of credit (linia kredytowa) for flexible borrowing.

The ability to obtain 'kredyt' is based on a borrower's credit history and credit score (historia kredytowa i ocena punktowa). Financial institutions evaluate an applicant's past repayment behavior, income, and debt-to-income ratio to determine their eligibility and the terms of the loan. A good credit history is paramount for accessing favorable interest rates and larger loan amounts. The concept of 'kredyt' is thus deeply integrated into the financial fabric of Poland, enabling individuals and businesses to manage their finances, make significant purchases, and invest in their future.

자주 쓰는 조합

linia kredytowa
kredyt hipoteczny
kredyt studencki
historia kredytowa

자주 혼동되는 단어

kredyt 대 kredka
2 letters
kredyt 대 kreda
3 letters

문법 패턴

brać kredyt udzielać kredytu spłacać kredyt

사용법

사용 참고사항

The Polish word 'kredyt' is a masculine noun and is used in a similar way to 'credit' in English. It can refer to various forms of financial borrowing, including bank loans, mortgages (often specified as 'kredyt hipoteczny'), and consumer credit. When talking about taking out a loan, one would typically use phrases like 'wziąć kredyt' (to take a loan) or 'ubiegać się o kredyt' (to apply for a loan). The repayment of a loan is referred to as 'spłata kredytu'. The interest on a loan is 'oprocentowanie kredytu'. It's also used in a broader sense to refer to the ability to obtain goods or services before payment, much like the definition provided. For example, a store might offer 'zakupy na kredyt' (purchases on credit). The plural form is 'kredyty'. The word is straightforward in its usage and generally carries no unusual connotations beyond its direct financial meaning. It is a common term in financial, banking, and retail contexts.

자주 하는 실수

A common mistake for English speakers might be to mispronounce the 'y' in 'kredyt' as a typical English 'y' sound. In Polish, the 'y' is a distinct vowel sound, similar to the 'i' in 'bit' or 'sit,' but pronounced further back in the mouth. Also, ensuring the stress is on the first syllable ('KRE-dyt') is important for correct pronunciation. Another potential error could be confusing it with 'pożyczka' which also means loan, but 'kredyt' specifically refers to credit from a financial institution, while 'pożyczka' can be a more general loan between individuals or institutions.

팁

💡

Use 'kredyt' for financial credit.

In Polish, 'kredyt' is the primary and most common term for financial credit, referring to a loan or the ability to obtain funds or goods with a promise of future payment. For example, 'wziąć kredyt' means 'to take out a loan', and 'karta kredytowa' is 'credit card'. This word perfectly fits the definition of 'the ability of a customer to obtain goods before payment' in a financial context.
💡

Avoid direct translation of 'credit' in non-financial contexts.

While 'kredyt' is perfect for financial credit, be careful not to use it for other English meanings of 'credit', such as 'academic credit' (punktacja), 'giving credit to someone' (uznanie), or 'credit in a movie' (napisy końcowe). In these cases, using 'kredyt' would be incorrect and would not convey the intended meaning in Polish. Always consider the specific context.
💡

Contextual usage of 'kredyt'.

When discussing a customer's ability to obtain goods before payment, 'kredyt' is almost exclusively used in the context of a financial arrangement. This could be store credit, a line of credit, or a general loan. For instance, 'Sklep oferuje kredyt na zakup mebli' translates to 'The store offers credit for furniture purchases', directly reflecting the meaning you're looking for.

어원

From Latin 'creditum' (a loan, something entrusted), past participle of 'credere' (to believe, to trust). It entered Polish through German 'Kredit'. The concept of credit has existed for centuries, evolving from informal trust-based lending to formalized financial instruments. The ability of a customer to obtain goods or services before payment, based on the trust that payment will be made in the future, is a fundamental aspect of modern economies. This trust is often based on a borrower's creditworthiness, which is an assessment of their ability and likelihood to repay debts. In Polish, 'kredyt' encompasses various forms of credit, including consumer loans, mortgages, and lines of credit, all reflecting the core meaning of deferred payment based on trust.

문화적 맥락

In Poland, the concept of 'kredyt' (credit) is deeply ingrained in the financial landscape and daily life. Historically, access to credit was limited, especially during the communist era, making the idea of borrowing a significant financial decision. After the transition to a market economy, credit became much more accessible, leading to a rapid increase in its use for various purposes, from mortgages and car loans to consumer goods and small business investments. There's a strong cultural emphasis on financial stability and avoiding unnecessary debt, often viewing 'kredyt' with a mix of caution and necessity. Many Poles are prudent borrowers, carefully considering their ability to repay. However, as with many developed nations, there's also a segment of the population that faces challenges with over-indebtedness. The term 'kredyt' is broadly understood and frequently used in everyday conversations related to personal finance, banking, and commerce. It's often associated with aspirations for a better quality of life, such as buying a home or pursuing higher education, but also carries the weight of financial responsibility.

암기 팁

The word 'kredyt' sounds similar to the English word 'credit,' which refers to the same concept. This direct phonetic and semantic resemblance makes it easy to remember. Think of 'credit' as a 'kredyt' in Polish.

자주 묻는 질문

4 질문
Kredyt to umowa, na mocy której bank lub inna instytucja finansowa udostępnia klientowi określoną sumę pieniędzy na ustalony czas, z obowiązkiem jej zwrotu wraz z odsetkami i ewentualnymi innymi opłatami. Jest to forma finansowania, która umożliwia korzystanie z dóbr lub usług bez natychmiastowej płatności, co jest szczególnie przydatne w przypadku większych wydatków, takich jak zakup mieszkania, samochodu, czy sfinansowanie studiów. Kredyt pozwala rozłożyć koszt zakupu w czasie, co często ułatwia zarządzanie domowym budżetem i realizację celów finansowych. Ważne jest, aby dokładnie zapoznać się z warunkami umowy kredytowej przed jej podpisaniem.
Istnieje wiele rodzajów kredytów, dopasowanych do różnych potrzeb klientów. Do najpopularniejszych należą: kredyty gotówkowe, które można przeznaczyć na dowolny cel; kredyty hipoteczne, przeznaczone na zakup lub budowę nieruchomości, zabezpieczone hipoteką na tej nieruchomości; kredyty samochodowe, służące do finansowania zakupu pojazdu; oraz kredyty ratalne, umożliwiające zakup konkretnych dóbr i usług w sklepach. Ponadto istnieją kredyty odnawialne, takie jak linia kredytowa w rachunku, gdzie można wielokrotnie korzystać z przyznanego limitu. Każdy rodzaj kredytu ma swoje specyficzne warunki i zasady, które należy dokładnie przeanalizować przed podjęciem decyzji.
Wymagane dokumenty do uzyskania kredytu mogą się różnić w zależności od rodzaju kredytu i polityki konkretnego banku, ale zazwyczaj obejmują: dowód osobisty, dokumenty potwierdzające dochody (np. zaświadczenie o zatrudnieniu i wysokości zarobków, wyciągi bankowe, PIT za ostatni rok), a w przypadku kredytów hipotecznych również dokumenty dotyczące nieruchomości (np. akt notarialny, odpis z księgi wieczystej). Często wymagane jest także oświadczenie o dochodach oraz oświadczenie o stanie cywilnym. Warto wcześniej skontaktować się z bankiem lub instytucją finansową, aby uzyskać pełną listę wymaganych dokumentów i upewnić się, że wszystko jest przygotowane przed złożeniem wniosku.
Niespłacanie kredytu w terminie może prowadzić do poważnych konsekwencji finansowych i prawnych. W pierwszej kolejności bank naliczy odsetki za opóźnienie, które zazwyczaj są wyższe niż standardowe odsetki kredytowe. Może również nałożyć dodatkowe opłaty i kary umowne. Dalsze opóźnienia mogą skutkować wpisem do baz danych dłużników, takich jak BIK (Biuro Informacji Kredytowej), co znacząco utrudni lub uniemożliwi uzyskanie kolejnych kredytów w przyszłości. W ostateczności bank może podjąć kroki windykacyjne, a nawet sądowe, co może prowadzić do zajęcia majątku dłużnika przez komornika. Dlatego tak ważne jest odpowiedzialne podejście do zaciągania zobowiązań kredytowych i terminowe ich regulowanie.

셀프 테스트

fill blank

Bank udzielił mi _____ na zakup mieszkania.

정답! 아쉬워요. 정답:
fill blank

Spłata _____ jest zawsze priorytetem.

정답! 아쉬워요. 정답:
fill blank

Wziąłem _____ konsumpcyjny na samochód.

정답! 아쉬워요. 정답:

점수: /3

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