Loans, savings, shares and the words on a bank statement.
Almost every word here is Sino-Korean, and a few syllables do most of the work: 금 (money) is in 예금, 적금 and 연금, and 료 (a charge) in 보험료 and 수수료. Two pairs are worth keeping apart. 금리is the rate이자the money it produces; 예금is money put in적금money put in every month for a fixed term Many verbs have a formal form for the bank and a plain one for conversation: 출금하다on the screen돈을 찾다when you talk about it
The words
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Verb (8)
갚다to pay back, repayVerb3
다음 달까지 빌린 돈을 꼭 갚을게요.I will definitely pay back the money I borrowed by next month.
A debt is 빚: 빚을 갚다, to pay off a debt.
상환하다to repay (a loan, formally)Verb4
대출금은 십 년에 걸쳐 나누어 상환해야 해요.The loan has to be repaid in instalments over ten years.
이체하다to transfer (money between accounts)Verb4
월세는 매달 집주인 계좌로 이체해요.I transfer the rent to my landlord’s account every month.
Close to 송금하다, which is about sending money to someone.
입금하다to pay money into an accountVerb4
오늘 안으로 계약금을 입금해 주세요.Please pay the deposit into the account by the end of today.
출금하다to withdraw (from an account)Verb4
현금이 필요해서 통장에서 십만 원을 출금했어요.I needed cash, so I withdrew a hundred thousand won from my account.
Formal; in conversation, 돈을 찾다.
납부하다to pay (a tax, fee or bill, formally)Verb4
자동차세는 이달 말까지 납부하셔야 합니다.Car tax must be paid by the end of this month.
가입하다to join; to sign up (for a policy or account)Verb3
인터넷으로 자동차 보험에 가입했어요.I took out car insurance online.
해지하다to cancel, terminate (a contract or account)Verb4
만기 전에 보험을 해지하면 손해를 볼 수 있어요.If you cancel the policy before it ends, you may lose money.
Noun (32)
금융finance; financialNoun4
졸업하면 금융 회사에 취직하고 싶어요.When I graduate, I want to get a job at a financial company.
금리interest rateNoun4
금리가 오르면 대출 이자도 늘어나요.When interest rates rise, the interest on loans goes up too.
Said [금니]. 금리 is the rate; 이자 is the money it produces.
대출loanNoun4
집을 사려고 은행에서 대출을 받았어요.I took out a bank loan to buy a house.
You take out a loan with 대출을 받다 and pay it off with 대출을 갚다.
세금taxNoun3
월급에서 세금이 꽤 많이 나가요.Quite a lot of tax comes out of my salary.
Tax is paid with 내다: 세금을 내다.
보험insuranceNoun3
여행 가기 전에 여행자 보험에 들었어요.I took out travel insurance before the trip.
You join a policy: 보험에 들다 or 보험에 가입하다.
보험료insurance premiumNoun4
나이가 들수록 보험료가 비싸져요.The older you get, the more expensive insurance premiums become.
연금pensionNoun4
할아버지는 연금으로 생활하세요.My grandfather lives on his pension.
예금bank deposit; savingsNoun4
보너스는 바로 예금 통장에 넣었어요.I put my bonus straight into my savings account.
적금instalment savings (a fixed monthly deposit)Noun4
매달 오십만 원씩 적금을 붓고 있어요.I pay five hundred thousand won into an instalment savings account every month.
The verb is 붓다, “to pour”: 적금을 붓다.
채권bond (a debt security)Noun4
주식보다 안전한 채권에 투자하는 사람도 많아요.Many people invest in bonds, which are safer than shares.
Said [채꿘].
주식shares; stockNoun4
요즘 주식을 시작하는 대학생이 많아요.These days a lot of university students are starting to buy shares.
주가share priceNoun4
신제품을 발표한 뒤에 주가가 크게 올랐어요.The share price rose sharply after the new product was announced.
Said [주까], with a tense second syllable.
증권securitiesNoun4
형은 증권 회사에서 일해요.My older brother works at a securities firm.
Said [증꿘].
펀드investment fundNoun4
은행 직원이 새로 나온 펀드를 추천해 줬어요.The bank clerk recommended a newly launched fund to me.
환율exchange rateNoun4
환율이 좋을 때 달러로 바꿔 두려고 해요.I am going to change some money into dollars while the exchange rate is good.
화폐currency; money (as a system)Noun4
박물관에서 옛날 화폐를 구경했어요.I looked at old currency at the museum.
A formal word; the money in your pocket is 돈.
자산assetsNoun4
그 회사는 자산이 부채보다 훨씬 많아요.That company has far more assets than liabilities.
부채debt; liabilitiesNoun4
정부는 국가 부채를 줄이겠다고 발표했어요.The government announced that it would reduce the national debt.
The formal word; in conversation people say 빚.
배당금dividendNoun4
그 회사는 해마다 주주들에게 배당금을 줘요.That company pays its shareholders a dividend every year.
원금principal (the sum borrowed or invested)Noun4
이 상품은 원금이 보장되지 않아요.With this product the principal is not guaranteed.
신용credit; trustworthinessNoun4
카드 대금을 자꾸 늦게 내면 신용이 떨어져요.If you keep paying your card bill late, your credit rating drops.
담보collateral; securityNoun4
아파트를 담보로 돈을 빌렸어요.I borrowed money using my flat as collateral.
연체late payment; arrearsNoun4
연체가 계속되면 이자가 더 붙어요.If the payments stay overdue, extra interest is added.
수수료fee; commissionNoun4
다른 은행 기계에서 돈을 찾으면 수수료를 내야 해요.If you take money out at another bank’s machine, you have to pay a fee.
잔액balance (of an account)Noun4
잔액이 부족해서 결제가 안 됐어요.The payment did not go through because the balance was too low.
금액amount (of money)Noun3
영수증에 적힌 금액을 다시 확인해 주세요.Please check the amount on the receipt again.
보험금insurance payout; claim moneyNoun4
사고가 난 뒤 보험금을 받기까지 한 달이 걸렸어요.After the accident it took a month to receive the insurance money.
The premium you pay is 보험료; the money the insurer pays out is 보험금.
연말정산year-end tax settlementNoun4
연말정산을 하고 나서 세금을 조금 돌려받았어요.After the year-end tax settlement I got a little tax back.
Employees settle the year’s income tax, and many get some of it back.
수익률rate of returnNoun4
수익률이 높은 상품일수록 위험도 커요.The higher a product’s rate of return, the greater the risk.
Said [수잉뉼].
공과금utility bills; public chargesNoun4
전기 요금이나 가스 요금 같은 공과금은 자동으로 빠져나가요.Bills such as electricity and gas are paid by direct debit.
만기maturity; end of a fixed termNoun4
다음 달이면 적금이 만기가 돼요.My instalment savings account matures next month.
가계부household account bookNoun4
돈을 아끼려고 가계부를 쓰기 시작했어요.I have started keeping household accounts to save money.
This list belongs to Economy, business and finance — three lists and 120 words that can also be practised as a whole.
Practise this list
Multiple choice and gaps, drawn from exactly these 40 words. Whatever you get wrong comes back tomorrow.
