Learning a new language can be both exciting and challenging, especially when diving into specialized vocabulary such as banking and finance. Persian (Farsi) is a language rich in history and culture, and understanding its financial terminology can be particularly useful for business professionals, travelers, or anyone interested in the economic landscape of Persian-speaking countries. This article aims to provide a comprehensive guide to essential Persian vocabulary for banking and finance, helping you navigate through financial conversations with ease.
Basic Banking Terms
Before delving into more complex financial jargon, it is crucial to understand some basic banking terms. Here are a few essential words to get you started:
– بانک (bānk) – Bank
– حساب (hesāb) – Account
– پس‌انداز (pas-andāz) – Savings
– وام (vām) – Loan
– اعتبار (e’tebār) – Credit
– کارت اعتباری (kārt e’tebāri) – Credit Card
– بدهی (bedehi) – Debt
– سود (sud) – Interest
– نرخ بهره (narkh-e bahre) – Interest Rate
– سپرده (seporude) – Deposit
– برداشت (bardāsht) – Withdrawal
Types of Bank Accounts
Understanding the different types of bank accounts is essential for managing your finances effectively. Here are the key terms:
– حساب جاری (hesāb-e jārī) – Checking Account
– حساب پس‌انداز (hesāb-e pas-andāz) – Savings Account
– حساب مشترک (hesāb-e moshtarak) – Joint Account
– حساب ارزی (hesāb-e arzi) – Foreign Currency Account
Loans and Credit
Loans and credit are fundamental aspects of personal and business finance. Here’s a list of essential terms:
– وام مسکن (vām-e maskan) – Mortgage
– وام دانشجویی (vām-e dāneshjooyi) – Student Loan
– وام خودرو (vām-e khodro) – Car Loan
– وام کوتاه‌مدت (vām-e kutāh-moddat) – Short-term Loan
– وام بلندمدت (vām-e boland-moddat) – Long-term Loan
– وام کسب‌وکار (vām-e kasb-o-kar) – Business Loan
– خط اعتباری (khat e’tebāri) – Line of Credit
– تضمین (tazmin) – Collateral
– پرداخت (pardākht) – Payment
– اقساط (aghsāt) – Installments
Financial Institutions
Knowing the names of various financial institutions can help you understand the financial landscape better. Here are some important terms:
– بانک مرکزی (bānk-e markazi) – Central Bank
– بانک تجاری (bānk-e tejāri) – Commercial Bank
– بانک سرمایه‌گذاری (bānk-e sarmāye-gozāri) – Investment Bank
– صندوق قرض‌الحسنه (sandugh-e gharz-ol-hasane) – Microfinance Institution
– موسسه مالی (mo’asse-ye māli) – Financial Institution
Investment and Stock Market
Investing and understanding the stock market are crucial for financial growth. Here are some terms to get you started:
– سرمایه‌گذاری (sarmāye-gozāri) – Investment
– بورس (burs) – Stock Exchange
– سهام (sahām) – Stock
– بازار (bāzār) – Market
– بازار سهام (bāzār-e sahām) – Stock Market
– اوراق قرضه (orāgh-e gharze) – Bonds
– سود سهام (sud-e sahām) – Dividend
– خرید (kharid) – Buy
– فروش (forush) – Sell
– کارگزار (kārguzār) – Broker
– تحلیلگر مالی (tahlilgar-e māli) – Financial Analyst
Business and Economy
Understanding business terminology is essential for anyone involved in the financial sector. Here are some key terms:
– کسب‌وکار (kasb-o-kar) – Business
– اقتصاد (eghtesād) – Economy
– شرکت (sherkat) – Company
– سرمایه (sarmāye) – Capital
– سودآوری (sudāvari) – Profitability
– زیان (ziyān) – Loss
– درآمد (dārāmad) – Income
– هزینه (hazine) – Expense
– ترازنامه (tarāzname) – Balance Sheet
– صورت‌حساب سود و زیان (sorat-hesāb-e sud o ziyān) – Profit and Loss Statement
– جریان نقدی (jarayān-e naghdi) – Cash Flow
– بودجه (budje) – Budget
Taxation
Taxes are a critical aspect of personal and business finance. Here are some essential terms related to taxation:
– مالیات (māliāt) – Tax
– مالیات بر درآمد (māliāt bar dārāmad) – Income Tax
– مالیات بر ارزش افزوده (māliāt bar arzeshe afzude) – Value Added Tax (VAT)
– مالیات شرکت‌ها (māliāt-e sherkathā) – Corporate Tax
– اظهارنامه مالیاتی (ezhārnāme-ye māliāti) – Tax Return
– فرار مالیاتی (farār-e māliāti) – Tax Evasion
– معافیت مالیاتی (mo’āfiyat-e māliāti) – Tax Exemption
– مشوق مالیاتی (mashovegh-e māliāti) – Tax Incentive
Insurance
Insurance is another crucial component of financial planning. Here are some important terms:
– بیمه (bime) – Insurance
– بیمه سلامت (bime-ye salāmat) – Health Insurance
– بیمه عمر (bime-ye omr) – Life Insurance
– بیمه خودرو (bime-ye khodro) – Car Insurance
– بیمه خانه (bime-ye khāne) – Home Insurance
– حق بیمه (hagh bime) – Premium
– خسارت (khesārat) – Claim
– بیمه‌گذار (bime-gozār) – Policyholder
Useful Phrases
Knowing individual words is helpful, but understanding how to use them in context is even more important. Here are some useful phrases that might come in handy:
– من می‌خواهم یک حساب بانکی باز کنم. (Man mikhāham yek hesāb-e bānki bāz konam.) – I want to open a bank account.
– چطور می‌توانم وام بگیرم؟ (Chetor mitavānam vām begiram?) – How can I get a loan?
– نرخ بهره چقدر است؟ (Narkh-e bahre cheghadr ast?) – What is the interest rate?
– می‌خواهم پول برداشت کنم. (Mikhāham pul bardāsht konam.) – I want to withdraw money.
– مانده حساب من چقدر است؟ (Mānde-ye hesāb-e man cheghadr ast?) – What is my account balance?
– من نیاز به مشاوره مالی دارم. (Man niyāz be moshāvere māli dāram.) – I need financial advice.
– چطور می‌توانم سرمایه‌گذاری کنم؟ (Chetor mitavānam sarmāye-gozāri konam?) – How can I invest?
– این شرکت چقدر سودآور است؟ (In sherkat cheghadr sudāvar ast?) – How profitable is this company?
– من باید مالیات پرداخت کنم. (Man bāyad māliāt pardākht konam.) – I need to pay taxes.
– بیمه من چه پوششی دارد؟ (Bime-ye man che pusheshi dārad?) – What does my insurance cover?
Conclusion
Mastering Persian vocabulary for banking and finance can significantly enhance your ability to navigate financial matters in Persian-speaking environments. This guide provides a comprehensive overview of essential terms, from basic banking words to more complex financial jargon. Whether you are a business professional, traveler, or simply someone interested in Persian finance, these terms and phrases will help you communicate more effectively and understand the financial landscape better. Keep practicing and expanding your vocabulary, and soon you’ll find yourself more confident in your financial conversations in Persian.
