Cliente Vinculado / No Vinculado

English translation: Existing client

GLOSSARY ENTRY (DERIVED FROM QUESTION BELOW)
Spanish term or phrase:Cliente Vinculado / No Vinculado
English translation:Existing client
Entered by: Rualina Manzano

18:23 May 20, 2008
Spanish to English translations [PRO]
Bus/Financial - Finance (general)
Spanish term or phrase: Cliente Vinculado / No Vinculado
Cliente Vinculado _Sí _No

Está en una solicitud de un préstamo hipotecario.

No dice nada más.

Gracias.
Rualina Manzano
Local time: 17:49
Existing client
Explanation:
ie already a client of the bank, as opposed to someone who only requires certain services and actually has their bank account with another company. My take. :)

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Note added at 37 mins (2008-05-20 19:00:59 GMT)
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Ah, Rualina, as you have suggested there above! :)
Selected response from:

Kate Major Patience
Spain
Local time: 23:49
Grading comment
¡Gracias!
4 KudoZ points were awarded for this answer



Summary of answers provided
4 +1Existing client
Kate Major Patience
5Engaged / unengaged customer
James Salter
3 +1registered/unregistered client
AllegroTrans
4Related client/Non related client
MikeGarcia
Summary of reference entries provided
Cliente vinculado/ No Vinculado
Suzanne Donnelly

  

Answers


4 mins   confidence: Answerer confidence 3/5Answerer confidence 3/5 peer agreement (net): +1
registered/unregistered client


Explanation:
No context to help us here.....hence only medium CL - it all depends on what else there is in this form/how the Bank operates etc.

AllegroTrans
United Kingdom
Local time: 22:49
Specializes in field
Native speaker of: Native in EnglishEnglish
PRO pts in category: 251

Peer comments on this answer (and responses from the answerer)
agree  psicutrinius: That means that the client has other ties with the bank (like getting his salary through an account with them, usually)
1 min
  -> yes, this is what came to mind, i.e. whether or not an existing client of the bank: thanks!
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36 mins   confidence: Answerer confidence 4/5Answerer confidence 4/5 peer agreement (net): +1
Existing client


Explanation:
ie already a client of the bank, as opposed to someone who only requires certain services and actually has their bank account with another company. My take. :)

--------------------------------------------------
Note added at 37 mins (2008-05-20 19:00:59 GMT)
--------------------------------------------------

Ah, Rualina, as you have suggested there above! :)

Kate Major Patience
Spain
Local time: 23:49
Works in field
Native speaker of: Native in EnglishEnglish
PRO pts in category: 8
Grading comment
¡Gracias!

Peer comments on this answer (and responses from the answerer)
agree  Victoria Porter-Burns:
15 mins
  -> Cheers Victoria! :)
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15 hrs   confidence: Answerer confidence 4/5Answerer confidence 4/5
Related client/Non related client


Language variant: UK/USA.

Explanation:
This is how it's used in banking lingo, since the "vinculado" can also be said as "relacionado", and it's referring to the pre-existing relationship with the Bank.

See the Alcaraz Varó Hughes Financial Dictionary, page 1252, "vinculado".-

MikeGarcia
Spain
Local time: 23:49
Specializes in field
Native speaker of: Native in SpanishSpanish
PRO pts in category: 450
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2526 days   confidence: Answerer confidence 5/5
Engaged / unengaged customer


Explanation:
This is the term I have encountered working in-house in a big bank. Though they can also be called "loyal"

James Salter
Spain
Local time: 23:49
Specializes in field
Native speaker of: Native in EnglishEnglish
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Reference comments


1401 days
Reference: Cliente vinculado/ No Vinculado

Reference information:
Hi, I know this is a really old post but I've been working on a piece where I have to translate these two terms in relation to a/c holders applying for mortgages and I found the following, which might be of interest.

Both "cliente vinculado" and "cliente no vinculado" hold particular types of accounts with the bank.

"La primera característica de la Hipoteca Open de Openbank es que está dirigida únicamente a aquellas personas que ya sean clientes de la entidad. A la hora de valorar a los clientes se establecen dos categorías, los clientes vinculados y los no vinculados.
Openbank considera cliente vinculado a aquellos que domicilian su nómina en la entidad, siendo esa nómina de importe superior a 900€. Además para obtener la consideración de cliente vinculado debemos tener domiciliados al menos tres recibos de periodicidad mensual."
http://www.hipotecahipoteca.com/


"HIPOTECA OPEN
SÓLO PARA CLIENTES DE OPENBANK
Condiciones:

Euribor + 2,00% (3,87% TAE*)

> Para Clientes Vinculados: Tan sólo tendrás que domiciliar la nómina y 3 recibos mensuales


Euribor + 2,50% (4,39% TAE*)

> Para Clientes No Vinculados (que no cumplan los requisitos de vinculación anteriores)

(*) TAE según Euribor a un año del mes de Febrero de 2012 publicado en Marzo 2012 en el BOE (02/03/2012): 1,678%. TAE calculada para un préstamo de 150.000€ a un plazo de 30 años, comisión de apertura del 1,5%.

> Revisión anual del Euribo....."
https://bancoonline.openbank.es/csopen/ContentServer?appID=o...

So, it would appear that in order to be a "cliente vinculado" you have to have your salary mandated to the bank.

I've seen it referred to as a "Salary Account" (Barclays), "Worksaver Plus Account" (BOI), Loyalty Account (TSB).

So, my take on it is a "cliente vinculado" holds an "Extra-benefits account" and a "cliente no vinculado" holds a "Standard Account"

Suzanne Donnelly
Works in field
Native speaker of: English
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