Banking - Finance

LEGAL VOCABULARY ABOUT
BANKING – FINANCE
Part 1. Loan
Lending means a form of
credit extension under which
the lender gives or commits to
Bên give the borrower a sum of
Creditor =
cho money for use for a specific
lender
vay purpose in a certain period as
agreed upon on the principle of
payment of both principal and
interest.
In case a borrower or
its/his/her guarantor cannot
Debtor = Bên pay a debt due to bankruptcy,
borrower vay the credit institution shall
recover the debt under the
bankruptcy law.
Email: fdvnlawfirm@gmail.com Address: 99 Nguyen Huu Tho, Hai Chau, Da Nang

Website: www.fdvn.vn www.fdvnlawfirm.vn www.diendanngheluat.vn
BANKING – FINANCE
Part 1. Loan
Credit institutions and foreign

bank branches shall: create
favorable conditions for clients
Số tiền
Principal to deposit and withdraw
gốc
money and guarantee the full
and due payment of principals
and interests of deposits; etc.
Credit institutions and foreign

bank branches shall: Publicize
deposit interest rates, service
Interest Lãi charges and rights and
obligations of clients for each
product and service provided;
etc.

BANKING – FINANCE
Part 1. Loan
Rights and obligations

of the Director General
Phương án
Plan to use (Director): To propose
sử dụng lợi
profits plans to use profits and
nhuận
handle losses of the
credit institution.
Credit institutions shall

keep credit dossiers,
including: Credit
Loan use Mục đích
contracts and documents
purpose vay
stating loan use
purposes, dossiers of
security measures;

BANKING – FINANCE
Part 1. Loan
A loan term is the
Thời hạn amount of time it takes
Loan term
vay to completely pay off
your loan.
The Stale Bank shall
Short-term Vay ngắn provide short-term
loan hạn loans for credit
institutions
Credit institutions and

foreign bank branches
shall maintain the
following safety ratios:
Medium-term Vay trung
The maximum ratio of
loan hạn
short-term funds for
provision of medium-
term and long-term
loans; etc.
BANKING – FINANCE
Part 1. Loan
Credit institutions and

foreign bank branches
shall maintain the
following safety ratios:
Long-term Vay dài
The ratio of medium-
loan hạn
and long-term deposits
to the total outstanding
medium- and long-term
loans.
Credit institutions are

entitled and obliged to
Repayment of inspect and supervise the
Việc trả nợ
debts use of loans and
repayment of debts by
their clients.

Website: www.fdvn.vn www.fdvnlawfirm.vn www.diendanngheluat.vnMedium-term loan
BANKING – FINANCE
Part 1. Loan
In case a borrower cannot pay

a due debt, the credit
institution may handle debts
Việc and assets used as loan
cơ cấu security according to the credit
Rescheduling
lại thời contract, guarantee contract
of debts
hạn trả and law, unless otherwise
nợ agreed by involved parties.
The rescheduling of debts by
credit institutions comply with
the State Bank's regulations.
An entry for a disbursement

includes the date, the payee
Disbursement Giải name, the amount debited or
(Availment) ngân credited, the payment
method, and the purpose of
the payment.

BANKING – FINANCE
Part 1. Loan
The act of paying a

debt before it is due to
Trả nợ trước be paid, or the amount
Prepayment
hạn that is paid: There is
no penalty or fee for
prepayment of a loan.
I am not convinced
that a statutory right to
interest on overdue
Overdue debt Nợ quá hạn debts would in
practice improve small
firms' ability to secure
payment on time.
BANKING – FINANCE
Part 1. Loan
If your lender decides to

exercise the acceleration
clause in your loan
Thúc đẩy
agreement, they’ll likely
nghĩa vụ
notify you, stating the
Acceleration trả nợ/Thu
reason for the
hồi nợ
acceleration, your
trước hạn
mortgage balance, plus
any unpaid interest and
the payment due date.
The currency for loan

and repayment is
Currency Đơn vị
usually the main currency
for loan and tiền tệ
used in the country of
repayment vay/trả nợ
which the lender and the
borrower are nationals.

BANKING – FINANCE
Part 1. Loan
A maximum loan
amount, or loan limit,
describes the total
amount of money that
an applicant is
Loan limit Hạn mức tín
authorized to borrow.
(Credit line) dụng/vay
Maximum loan
amounts are used for
standard loans, credit
cards, and line-of-credit
accounts.
One-shot loan: The
credit institution and its
customer implement
One-shot Khoản vay
lending procedures and
loan từng lần
conclude a loan
agreement in each time
when a loan is needed.
BANKING – FINANCE
Part 1. Loan
Syndicated loan: At least two
credit institutions are together
Syndicated Khoản vay offering a loan
loan hợp vốn to a customer for the purpose of
implementing one fund
borrowing plan or project.
Material Adverse Effect means

any effect on the business,
operations, properties, or
financial condition of the
Company that is material and
Ảnh hưởng
Material adverse to the Company and/or
bất lợi đáng
adverse any condition, circumstance, or
kể/nghiêm
effect situation that would prohibit or
trọng otherwise materially interfere
with the ability of the Company
to enter into and perform its
obligations under any of this
Agreement.
BANKING – FINANCE
Part 1. Loan
In finance contracts a
change of control clause
will enable the bank to
Thay đổi declare an event of default
Change of
quyền kiểm or a mandatory prepayment
control
soát/quản trị event and therefore cancel
any obligation to make
further loans and require the
repayment of existing loans.
An event of default occurs
when a borrower breaches a
credit agreement and is
considered to have
Event of Sự kiện vi defaulted on their debt.
default phạm Default generally occurs
when you fail to repay loans
according to the terms in
the promissory note with
your lender.
BANKING – FINANCE
Part 1. Loan
Debt Service Reserve

Account, also known as
Debt Tài khoản
DSRA, is a cash reserve
service dự phòng
account set aside to make debt
reserve trả nợ
payments when debt services
account
are not available due to
cashflow disruption.
Project Accounts means the

trust accounts established
pursuant to the Construction
Funds Trust Agreement to
hold amounts remitted to the
Project Tài khoản
Construction Funds Trust in
accounts dự án
respect of the Authority
Contribution Amount, the
PSL Contribution Amount,
and the StadCo Contribution
Amount.
BANKING – FINANCE
Part 1. Loan
Insurance proceeds are

benefit proceeds paid out by
any insurance policy as a result
Khoản of a claim. Insurance proceeds
Insurance
lợi bảo are paid out once a claim has
proceeds
hiểm been verified, and they
financially indemnify the
insured for a loss that is
covered under the policy.

BANKING – FINANCE
Part 2. Security
Any such amendment or

waiver shall be binding
upon the Administrative
Securing Bên bảo
Agent and each Lender,
party đảm
each holder of any of the
Secured Obligations and
each Securing Party.
In performing its
obligations under this
Agreement, the Secured
Secured Bên nhận Party is subject to, and
party bảo đảm entitled to the benefits of,
the terms of the Indenture
that apply to the Indenture
Trustee.

BANKING – FINANCE
Part 2. Security
No Foreclosure Sale
shall terminate or
affect the lien of this
Deed of Trust on any
Nghĩa vụ
Secured part of the Property
được bảo
obligations which has not been
đảm
sold, until all of the
Secured Obligations
have been paid and
performed in full.
A facility agent acts as

the primary point of
Đại lý cấp
Facility agent contact between the
tín dụng
transaction parties to a
syndicated loan.

BANKING – FINANCE
Part 2. Security
In case a borrower
cannot pay a due debt,
the credit institution
may handle debts and
secured assets
according to the credit
contract, guarantee
Secured Tài sản contract and law,
assets/collateral bảo đảm unless otherwise
agreed by involved
parties. The
rescheduling, sale and
purchase of debts by
credit institutions
comply with the State
Bank's regulations.

BANKING – FINANCE
Part 2. Security
Current assets
include cash, cash
equivalents, accounts
receivable, stock
inventory, marketable
Tài sản
Current assets securities, pre-paid
lưu động
liabilities, and other
liquid assets. Current
Assets may also be
called Current
Accounts.

BANKING – FINANCE
Part 2. Security
Existing Assets means

assets of the Company
existing at the Issue
Date (other than cash,
Cash Equivalents or
inventory held for
Tài sản resale in the ordinary
Existing assets
hiện hữu course of business) and
including proceeds of
any sale of such assets
and assets acquired in
whole or in part with
proceeds from the sale
from any such assets.

BANKING – FINANCE
Part 2. Security
Off-plan assets
includes: a) Non-
formed property; b)
Off-plan assets Tài sản Formed property
(Assets to be hình thành that the entity has
formed in the trong established his/her
future) tương lai ownership rights
after the time of
transaction
establishment.
Types of security
for performance of
Line/Encumbrance Biện pháp obligations include
/Security bảo đảm Pledge of property;
Mortgage of
property; etc.

BANKING – FINANCE
Part 2. Security
Agreement on pledge of
property shall take effect
Pledge of Cầm cố
from the time of concluding,
property tài sản
unless otherwise agreed or
prescribed by law.
The mortgage of property
Thế
Mortgage shall take effect against third
chấp tài
of property party from the time of
sản
registration.
The sale, exchange, lease,

lending, pledge, mortgage,
deposit and other
transactions involving the
Deposit Đặt cọc
property of the ward, which
has a high value, must have
the consent of the
guardianship supervisor.
BANKING – FINANCE
Part 2. Security
Security collateral is an act
whereby a lessee of a movable
property transfers a sum of money
Security Ký
or precious metals, gems or other
collateral cược
valuable things to the lessor for a
specified time limit to secure the
return of the leased property.
Escrow deposit is an act whereby

an obligor deposits a sum of
money, precious metals, gems or
Escrow
Ký quỹ valuable papers into an escrow
deposit
account at a credit institution to
secure the performance of an
obligation.
Bảo Collateral must be under the
Title lưu ownership rights of the securing
retention quyền party, except for the cases of lien
sở hữu on property or title retention.
BANKING – FINANCE
Part 2. Security
Guarantee means an
undertaking made by a third
person to an obligee to
perform an obligation on
Bảo
Guarantee behalf of an obligor if the
lãnh
obligation falls due and the
principal fails to perform or
performs incorrectly the
obligation.
A loan guaranteed by a
fidelity guarantee must be
made in writing with
Fidelity Tín certification of a socio-
guarantees chấp political organization in terms
of conditions and
circumstances of the
borrower.
BANKING – FINANCE
Part 2. Security
Lien on property shall arise
from the due time for
Lien on Cầm giữ performance of obligation
property tài sản that the obligor failed to
perform or perform
incorrectly the obligation.
A foreclosure notice is a
warning that the lender is
starting the foreclosure
process. Foreclosure is the
Thông
procedure the lender must
Foreclosure báo xử
follow to sell a home at a
notice lý tài sản
public auction. After the
bảo đảm
property is sold, the lender
will pay off the home loan
with the proceeds from the
sale.
BANKING – FINANCE
Part 2. Security
Thủ tục
Procedures Procedures for foreclosure
xử lý tài
for is carried out in accordance
sản bảo
foreclosure with regulations of law.
đảm
When an asset is used to

secure the performance of
many obligations, payment
priority order between the
joint secured parties shall be
Thứ tự
determined as follows: a) If
Payment ưu tiên
all types of security take
priority order thanh
effect against a third party,
toán
the order of priority for
payment shall be determined
according to the order of
effect against the third party;
etc.
BANKING – FINANCE
Part 3. Tax
Export duties consist of
general or specific taxes on
goods or services that
become payable when the
Thuế goods leave the economic
Export duty xuất territory or when the services
khẩu are delivered to non-
residents; profits of export
monopolies and taxes
resulting from multiple
exchange rates are excluded.
Thuế In practice, import duty is

Import duty nhập levied when imported goods
khẩu first enter the country.

BANKING – FINANCE
Part 3. Tax
Value-added tax is a tax

imposed on the added value
Thuế
Value added of goods or services arising
giá trị
tax in the process from
gia tăng
production, circulation to
consumption.
Thuế Excise tax bases include the

Excise tax tiêu thụ taxed price of a taxable goods
đặc biệt or service and the tax rate.

BANKING – FINANCE
Part 3. Tax
If a contract between the goods or

service provider and buyer does
not specify personal income tax,
Thuế
the taxable turnover that must be
thu
Personal converted is the total sum of
nhập
income tax money in any form earned by the
cá
non-resident from the provision
nhân of goods or services in Vietnam,
regardless of places where
business activities are conducted.
Tax-exempt incomes: Incomes

Thuế divided for capital contribution,
thu joint venture or association with
Enterprise
nhập domestic enterprises, after
income tax
doanh enterprise income tax has been
nghiệp paid under the provisions of this
Law.
BANKING – FINANCE
Part 3. Tax
Environmental
Thuế bảo
Environmental protection tax is only
vệ môi
protection tax paid once for goods
trường
produced or imported.
Natural resource tax is

intended to reduce the
manufacturing and
marketing of polluting
production, to promote a
Natural Thuế tài new, environmentally
Resources tax nguyên friendly technologies to
support sustainable
economic development as
well as financially to
ensure the measures of
environmental protection.

BANKING – FINANCE
Part 3. Tax
Tax registration Đăng ký thuế
Tax identification
Mã số thuế (cá nhân)
number
Tax code Mã số thuế (doanh nghiệp)
Tax declaration dossier Hồ sơ kê khai thuế
Tax return Tờ khai thuế
Tax imposition Ấn định thuế


Banking - Finance

Uploaded by

Document Information

Original Description:

Original Title

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

Banking - Finance

Uploaded by

Copyright:

Available Formats

LEGAL VOCABULARY ABOUT

Email: fdvnlawfirm@gmail.com Address: 99 Nguyen Huu Tho, Hai Chau, Da Nang

Credit institutions and foreign

Credit institutions and foreign

Email: fdvnlawfirm@gmail.com Address: 99 Nguyen Huu Tho, Hai Chau, Da Nang

Rights and obligations

Credit institutions shall

Email: fdvnlawfirm@gmail.com Address: 99 Nguyen Huu Tho, Hai Chau, Da Nang

Credit institutions and

Credit institutions and

Credit institutions are

Email: fdvnlawfirm@gmail.com Address: 99 Nguyen Huu Tho, Hai Chau, Da Nang

In case a borrower cannot pay

An entry for a disbursement

Email: fdvnlawfirm@gmail.com Address: 99 Nguyen Huu Tho, Hai Chau, Da Nang

The act of paying a

If your lender decides to

The currency for loan

Email: fdvnlawfirm@gmail.com Address: 99 Nguyen Huu Tho, Hai Chau, Da Nang

Material Adverse Effect means

Debt Service Reserve

Project Accounts means the

Insurance proceeds are

Email: fdvnlawfirm@gmail.com Address: 99 Nguyen Huu Tho, Hai Chau, Da Nang

Any such amendment or

Email: fdvnlawfirm@gmail.com Address: 99 Nguyen Huu Tho, Hai Chau, Da Nang

A facility agent acts as

Email: fdvnlawfirm@gmail.com Address: 99 Nguyen Huu Tho, Hai Chau, Da Nang

Email: fdvnlawfirm@gmail.com Address: 99 Nguyen Huu Tho, Hai Chau, Da Nang

Email: fdvnlawfirm@gmail.com Address: 99 Nguyen Huu Tho, Hai Chau, Da Nang

Existing Assets means

Email: fdvnlawfirm@gmail.com Address: 99 Nguyen Huu Tho, Hai Chau, Da Nang

Email: fdvnlawfirm@gmail.com Address: 99 Nguyen Huu Tho, Hai Chau, Da Nang

The sale, exchange, lease,

Escrow deposit is an act whereby

When an asset is used to

Thuế In practice, import duty is

Email: fdvnlawfirm@gmail.com Address: 99 Nguyen Huu Tho, Hai Chau, Da Nang

Value-added tax is a tax

Thuế Excise tax bases include the

Email: fdvnlawfirm@gmail.com Address: 99 Nguyen Huu Tho, Hai Chau, Da Nang

If a contract between the goods or

Tax-exempt incomes: Incomes

Natural resource tax is

Email: fdvnlawfirm@gmail.com Address: 99 Nguyen Huu Tho, Hai Chau, Da Nang

Tax registration Đăng ký thuế

Tax code Mã số thuế (doanh nghiệp)

Tax declaration dossier Hồ sơ kê khai thuế

Tax return Tờ khai thuế

Tax imposition Ấn định thuế

Email: fdvnlawfirm@gmail.com Address: 99 Nguyen Huu Tho, Hai Chau, Da Nang

You might also like