Navigating the financial landscape in Vietnam can be quite a task if you’re not familiar with the local language. Knowing specific banking and finance vocabulary in Vietnamese will not only help you manage your financial activities efficiently but also enrich your interactions with locals. This comprehensive guide is designed to help English speakers acquire essential Vietnamese terms and phrases related to banking and finance.
Basic Banking Terms
When you first walk into a bank in Vietnam, you’ll need to know some fundamental terms to get by. Here are a few to start with:
Ngân hàng (bank) – This is the general term for bank.
– Tôi cần đến ngân hàng để mở tài khoản mới.
Tài khoản ngân hàng (bank account) – Essential for managing your finances.
– Tôi muốn kiểm tra số dư trong tài khoản ngân hàng của mình.
Tiền gửi (deposit) – When you want to deposit money, this is the term to use.
– Làm ơn giúp tôi gửi tiền vào tài khoản.
Rút tiền (withdraw) – Useful when you need to take money out of your account.
– Tôi cần rút tiền mặt từ tài khoản của tôi.
Chuyển khoản (transfer) – For when you need to move money from one account to another.
– Tôi muốn chuyển khoản từ tài khoản này sang tài khoản khác.
Thẻ ATM (ATM card) – Essential for cash withdrawals and other transactions.
– Bạn đã mang theo thẻ ATM chưa?
Understanding Currency and Exchange
Dealing with money exchange is a frequent task, and here are terms that will help you get the best bang for your buck:
Tiền tệ (currency) – Refers to money in any form when in actual use or circulation.
– Tôi cần đổi tiền tệ sang đồng Việt Nam.
Tỷ giá (exchange rate) – Important for knowing how much your money is worth in another currency.
– Tỷ giá hối đoái hôm nay là bao nhiêu?
Đổi tiền (money exchange) – You will need this service if you carry foreign currency.
– Bạn có thể chỉ cho tôi chỗ đổi tiền gần đây không?
Phí giao dịch (transaction fee) – Always good to know so you aren’t caught off-guard.
– Phí giao dịch cho việc này là bao nhiêu?
Loan and Credit
Whether you’re looking to buy a house or start a business, understanding these terms related to loans and credit can be very useful:
Vay (loan) – Borrowing money that you will need to pay back.
– Tôi muốn vay tiền để mua nhà.
Tín dụng (credit) – Often used in the context of credit cards.
– Thẻ tín dụng của tôi đã được chấp nhận không?
Lãi suất (interest rate) – Crucial to know when borrowing money.
– Lãi suất cho khoản vay này là bao nhiêu?
Thế chấp (mortgage) – A loan secured by the collateral of specified real estate property.
– Tôi muốn biết thêm thông tin về các khoản thế chấp.
Khoản vay mua nhà (home loan) – Specific type of loan for purchasing real estate.
– Tôi cần tư vấn về khoản vay mua nhà.
Investments
Investing is another area where specific vocabulary will come in handy, especially if you’re looking at long-term financial growth in Vietnam:
Đầu tư (invest) – The act of allocating resources, usually money, with the expectation of generating an income or profit.
– Tôi muốn đầu tư vào thị trường chứng khoán Việt Nam.
Cổ phiếu (stocks) – Represents ownership in a company and a claim on part of the company’s assets and earnings.
– Bạn sở hữu cổ phiếu của công ty nào?
Trái phiếu (bonds) – A fixed income investment in which an investor loans money to an entity.
– Tôi đang cân nhắc mua trái phiếu chính phủ.
Quỹ đầu tư (investment fund) – A supply of capital belonging to numerous investors used to collectively purchase securities.
– Tôi muốn biết thêm về các quỹ đầu tư có sẵn.
Lợi nhuận (profit) – The financial benefit realized when revenue gained from a business activity exceeds the expenses and taxes.
– Lợi nhuận từ khoản đầu tư này là bao nhiêu?
Understanding and using these Vietnamese banking and finance terms will not only help facilitate your economic activities but also deepen your appreciation and understanding of the Vietnamese culture and how it intertwines with commerce. Whether you’re living in Vietnam or just visiting, these terms are invaluable for daily financial interactions and long-term planning.
