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18:23 May 20, 2008 |
Spanish to English translations [PRO] Bus/Financial - Finance (general) | |||||||
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| Selected response from: Kate Major Patience Spain Local time: 23:49 | ||||||
Grading comment
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Summary of answers provided | ||||
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4 +1 | Existing client |
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5 | Engaged / unengaged customer |
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3 +1 | registered/unregistered client |
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4 | Related client/Non related client |
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Summary of reference entries provided | |||
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Cliente vinculado/ No Vinculado |
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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. |
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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! :) |
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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".- |
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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" |
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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" |
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