Skip to content
EveryLingua

C1  ·  48 words

Credit and interest

What borrowed money costs, what secures it and what it asks of the borrower.

Der Wucher is the word German law uses for lending at an exploitative price, and a contract found to be Wucher is void. The word did not start out as an accusation. In Old High German wuohhar meant growth and yield: the produce of a field, the young of a herd, the gain on money lent. Gothic, the oldest Germanic language to survive in a long text, uses its form of the word, wōkrs, for ordinary interest. The meaning darkened when the medieval Church condemned taking interest at all, so that every lender was a Wucherer; once interest was accepted again, the word kept only the excess. The old sense of growth survives in the verb wuchern, which is what weeds do in an untended garden. Everything else on this list is the lawful side of the same trade: der Sollzins, die Tilgung, die Grundschuld.

The words

Verb (7)

bürgento stand suretyVerbC1
Ihre Eltern bürgen für den Kredit mit ihrem gesamten Vermögen.Her parents are standing surety for the loan with everything they own.

bürgen für + accusative.

verzinsento pay interest onVerbC1
Das Darlehen wird mit vier Prozent im Jahr verzinst.The loan carries interest at four per cent a year.

Mostly passive: etwas wird mit ... verzinst.

auflaufento accrueVerbC1
Während der Ratenpause sind weiter Zinsen aufgelaufen.Interest kept accruing during the payment holiday.

Separable; perfect with sein.

stundento defer (a debt)VerbC1
Das Finanzamt kann eine Steuerschuld auf Antrag stunden.The tax office can defer a tax debt on application.

jemandem etwas stunden: dative of the person, accusative of the debt.

umschuldento refinance (a loan)VerbC1
Wir haben den teuren Ratenkredit in ein günstigeres Darlehen umgeschuldet.We refinanced the expensive instalment loan into a cheaper one.

Separable: schuldet um, umgeschuldet. Not to be confused with umschulen, to retrain.

verpfändento pledgeVerbC1
Als Sicherheit hat er seine Lebensversicherung an die Bank verpfändet.As security he pledged his life insurance policy to the bank.

etwas an jemanden verpfänden.

sich verschuldento get into debtVerbC1
Für die eigene Praxis hat sie sich hoch verschuldet.She went heavily into debt to open her own practice.

Reflexive. verschuldet sein means to be in debt.

This list belongs to Work, money and trade — 47 lists and 1883 words that can also be practised as a whole.

Practise this list

Multiple choice and gaps, drawn from exactly these 48 words. Whatever you get wrong comes back tomorrow.