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otázka		odpověď
Information Undertakings Obligations to provide regular financial and operational updates. začněte se učit		zobowiązania informacyjne
Facility Period The duration during which the loan agreement remains in effect. začněte se učit		okres kredytowania
audited financial statements Financial reports reviewed and verified by an independent auditor. začněte se učit		audytowane sprawozdania finansowe
ultimate Holding Company The top-level parent company in a corporate structure. začněte se učit		ostateczna spółka holdingowa
Shareholder The entity that owns shares in the Borrower. začněte se učit		udziałowiec
General Contractor The main party responsible for construction works. začněte se učit		generalny wykonawca
Tenant The party leasing the property from the Borrower. začněte se učit		najemca
best-effort basis A commitment to try, but without a strict guarantee. začněte se učit		w miarę możliwości
acceptable to the Agent Approved by the party representing the lenders. začněte se učit		zaakceptowany przez Agenta
authorized signatory A person legally empowered to sign documents on behalf of a company. začněte se učit		upoważniony przedstawiciel
true and fair view A standard indicating that financial statements accurately reflect the company’s financial position. začněte se učit		rzetelny i prawdziwy obraz
fairly presenting Representing financial data without distortion or bias. začněte se učit		uczciwie przedstawiający
balance sheet A financial statement showing assets, liabilities, and equity at a specific point in time. začněte se učit		bilans
profit and loss account A statement showing revenues, expenses, and profit over a period. začněte se učit		rachunek zysków i strat
notes to financial statements Additional explanations and disclosures accompanying the main financial statements. začněte se učit		noty do sprawozdań finansowych
generally accepted accounting principles (GAAP) Standardized accounting rules used to prepare financial statements. začněte se učit		ogólnie przyjęte zasady rachunkowości
consistently applied Applied in the same manner across reporting periods for comparability. začněte se učit		stosowane w sposób spójny
Compliance Certificate A formal statement confirming compliance with financial covenants. začněte se učit		certyfikat zgodności
Clause 20 (Financial covenants) The section of the agreement setting financial performance requirements. začněte se učit		klauzula 20 (wskaźniki finansowe)
Calculation Day The date on which financial covenant compliance is assessed. začněte se učit		dzień obliczeniowy
Net Rental Income Rental income after deducting operating costs and taxes. začněte se učit		dochód netto z najmu
return of income tax Tax refund received or receivable by the Borrower. začněte se učit		zwrot podatku dochodowego
authorised attorney-in-fact A person legally empowered to act on behalf of the Borrower. začněte se učit		upoważniony pełnomocnik
electronic signature A digital form of signature legally recognized for document authentication. začněte se učit		podpis elektroniczny
rules of representation Legal rules defining who can sign documents on behalf of a company. začněte se učit		zasady reprezentacji
Occupancy Permit Official approval to use a completed building. začněte se učit		pozwolenie na użytkowanie
Operating Budget A financial plan for the property’s operating expenses and revenues. začněte se učit		budżet operacyjny
rent-roll A schedule listing tenants, rental terms, and payments. začněte se učit		zestawienie najmu
arrears Amounts overdue and unpaid by tenants. začněte se učit		zaległości
statement of operations Summary of income and expenses related to property operations. začněte se učit		zestawienie operacyjne
tax certificate Official confirmation of tax compliance. začněte se učit		zaświadczenie podatkowe
Social Security Office (ZUS) Polish institution managing social security contributions. začněte se učit		Zakład Ubezpieczeń Społecznych
litigation / arbitration / administrative proceedings Legal processes involving disputes or regulatory issues. začněte se učit		postępowania sądowe / arbitrażowe / administracyjne
promptly upon becoming aware Immediately after learning of a relevant fact or event. začněte se učit		niezwłocznie po uzyskaniu wiedzy
reasonably request A request that is justified and not excessive. začněte se učit		uzasadnione żądanie
pre-agreed in writing Approved in advance through formal written agreement. začněte se učit		uprzednio pisemnie uzgodnione
Default A breach of the loan agreement, such as missed payments or covenant violations. začněte se učit		naruszenie / niewykonanie zobowiązania
remedy To take corrective action to fix a breach or issue. začněte se učit		usunąć / naprawić
certificate A formal document confirming a specific status or condition. začněte se učit		certyfikat / zaświadczenie
Material Adverse Effect A significant deterioration in financial, legal, or operational condition. začněte se učit		istotnie negatywny wpływ
Business Day A day on which banks are open for business, excluding weekends and holidays. začněte se učit		dzień roboczy
Know your customer (KYC) Regulatory process of verifying the identity and background of clients. začněte se učit		poznaj swojego klienta
money laundering Concealing the origins of illegally obtained money. začněte se učit		pranie pieniędzy
financing of terrorism Providing financial support to terrorist activities. začněte se učit		finansowanie terroryzmu
Constitutional Documents Legal documents defining the company’s structure and representation rules. začněte se učit		dokumenty założycielskie
Power and authority Legal and corporate capacity to enter into and perform agreements. E.g., The Borrower has the power and authority to sign the loan agreement. začněte se učit		uprawnienia i kompetencje
No limit exceeded The transaction does not breach internal or legal limits. E.g., The borrowing does not exceed corporate powers. začněte se učit		brak przekroczenia uprawnień
Authorisations Required approvals or permits. E.g., Board resolutions, licenses, or regulatory consents. začněte se učit		zezwolenia / zgody
Admissible in evidence Legally acceptable in court. E.g., The agreement is admissible in evidence in Poland. začněte se učit		dopuszczalne jako dowód
Legal Reservations Standard legal limitations on enforceability. E.g., Subject to insolvency or enforcement laws. začněte se učit		ograniczenia prawne
Deduction or withholding for Tax Withholding tax applied to payments. E.g., No tax deduction is required under Polish law. začněte se učit		potrącenie lub pobór podatku
Stamp duty Tax on legal documents. E.g., Stamp duty applies to powers of attorney. začněte se učit		opłata skarbowa
Filing / recording / enrolling Legal formalities for enforceability. E.g., Mortgages must be registered in the land register. začněte se učit		złożenie / rejestracja / wpis
Pledge registry / share register Official registers for security interests. E.g., Pledges must be registered. začněte se učit		rejestr zastawów / rejestr udziałów
Event of Default A breach of contract triggering lender rights. E.g., Non-payment or breach of covenants. začněte se učit		przypadek naruszenia
Reasonably likely A realistic and foreseeable possibility. E.g., No default is reasonably likely to occur. začněte se učit		uzasadnione ryzyko
Utilisation Drawing funds under the loan facility. E.g., No default will result from any Utilisation. začněte se učit		wykorzystanie
Grace period A time window to remedy a breach before it becomes a default. E.g., A missed payment may become a default after the grace period. začněte se učit		okres karencji
Termination event A situation allowing a party to terminate a contract. E.g., Cross-default clauses often define termination events. začněte se učit		zdarzenie uprawniające do rozwiązania umowy
Misleading in any material respect Information that could mislead a lender in making a decision. E.g., Omitting a major tenant default. začněte se učit		wprowadzające w błąd w istotnym zakresie
Valuer Independent expert who assesses property value. E.g., The Valuer relied on Borrower’s data. začněte se učit		rzeczoznawca
Legal Due Diligence Report Legal analysis of the Borrower or project. E.g., Lawyers prepare this report for the Lenders. začněte se učit		raport z badania prawnego
Withheld or omitted Failure to disclose relevant information. E.g., The Borrower must not withhold material facts. začněte se učit		zatajenie lub pominięcie
Financial projections Forecasts of future financial performance. E.g., Based on reasonable assumptions. začněte se učit		prognozy finansowe
Generally accepted accounting principles (GAAP) Standardy stosowane przy sporządzaniu sprawozdań finansowych. E.g., Polish GAAP or IFRS. začněte se učit		powszechnie przyjęte zasady rachunkowości
Fairly represent Accurately reflect the financial condition. E.g., The statements fairly represent the Borrower’s operations. začněte se učit		rzetelnie przedstawiać
Material adverse change (MAC) A significant deterioration in financial or business condition. E.g., No MAC has occurred since the last financials. začněte se učit		istotna negatywna zmiana
Consistently applied Accounting policies used uniformly over time. E.g., No change in depreciation method. začněte se učit		stosowane w sposób spójny
pari passu A legal term meaning that obligations rank equally in priority of payment. začněte se učit		równorzędny / na równi
unsecured creditor A creditor who does not have collateral backing their claim. začněte se učit		wierzyciel niezabezpieczony
unsubordinated creditor A creditor whose claims are not ranked below others in case of insolvency. začněte se učit		wierzyciel niepodporządkowany
mandatorily preferred by law Obligations that are given priority by law, such as tax debts. začněte se učit		ustawowo uprzywilejowany
Material Adverse Effect A significant negative change in the borrower's financial or legal condition. začněte se učit		istotnie negatywny wpływ
Environmental Claim A legal action related to environmental damage or non-compliance. začněte se učit		roszczenie środowiskowe
Environmental Law Regulations governing pollution, waste, and environmental protection. začněte se učit		prawo środowiskowe
Environmental Permit An official authorization to carry out activities affecting the environment. začněte se učit		pozwolenie środowiskowe
hazardous substance A material that poses risks to health or the environment. začněte se učit		substancja niebezpieczna
ordinary course of operating Routine business activities carried out in normal operations. začněte se učit		zwykły tryb działalności
to the best of its knowledge A phrase limiting liability based on known information at the time. začněte se učit		według najlepszej wiedzy
carried on any business To engage in commercial or operational activities. začněte se učit		prowadzić działalność
consistent with In line with or not contradicting the terms of another document. začněte se učit		zgodny z
interest in property A legal or beneficial right to own or use a property. začněte se učit		udział w nieruchomości
beneficial ownership Ownership that provides the benefits of property even if not in name. začněte se učit		faktyczne posiadanie
unlimited liability A situation where an entity is fully liable for its debts. začněte se učit		nieograniczona odpowiedzialność
material liabilities Significant financial obligations that may affect solvency. začněte se učit		istotne zobowiązania
contingent liability A potential obligation depending on a future event. začněte se učit		zobowiązanie warunkowe
ordinary course of business Regular, routine operations of a company. začněte se učit		zwykły tryb działalności
aggregate amount The total sum of all items combined. začněte se učit		łączna kwota
Agent A party appointed to manage financial transactions on behalf of lenders. začněte se učit		agent
Existing Accounts Bank accounts already approved and in use by the Borrower. začněte se učit		istniejące rachunki
duly and punctually Properly and on time, in accordance with legal or contractual obligations. začněte se učit		należycie i terminowo
discharged To pay off or settle a financial obligation. začněte se učit		uregulowany / spłacony
Taxes imposed upon Taxes legally levied on a person or entity. začněte se učit		podatki nałożone na
incurring interest or penalties Becoming liable for additional charges due to late payment. začněte se učit		naliczanie odsetek lub kar
contested in good faith Disputed honestly and with legitimate reasons. začněte se učit		kwestionowany w dobrej wierze
appropriate means Legal or procedural methods suitable for the situation. začněte se učit		odpowiednie środki
validly made request A formally submitted and legally acceptable application. začněte se učit		prawidłowo złożony wniosek
Tax returns Official documents filed with tax authorities reporting income and taxes owed. začněte se učit		zeznania podatkowe
claims asserted Legal demands or accusations made against a party. začněte se učit		roszczenia zgłoszone
reasonably likely A realistic possibility based on known facts or circumstances. začněte se učit		uzasadnione prawdopodobieństwo
valid title A legally recognized ownership right to an asset. začněte se učit		ważny tytuł prawny
Transaction Security Assets pledged to secure the obligations under the finance documents. začněte se učit		zabezpieczenie transakcyjne
encumbrance A legal claim or restriction on a property, such as a lien or easement. začněte se učit		obciążenie
easement A right to use part of a property for a specific purpose (e.g., utility access). začněte se učit		służebność
Land and Mortgage Registers Official public records of property ownership and encumbrances. začněte se učit		księgi wieczyste
subsidence The gradual sinking of land, which can damage buildings. začněte se učit		osiadanie gruntu
material damage Significant physical harm that affects the value or usability of an asset. začněte se učit		istotne uszkodzenie
structural defect A flaw in the building’s structure that may compromise safety or value. začněte se učit		wada konstrukcyjna
good faith Acting honestly and without intent to deceive. začněte se učit		dobra wiara
impede To obstruct or hinder progress or use. začněte se učit		utrudniać
mortgage A legal charge over property to secure a loan. začněte se učit		hipoteka
Security A legal right over assets to secure repayment of a loan. začněte se učit		zabezpieczenie
Negative pledge A clause preventing the borrower from creating additional security interests. začněte se učit		zakaz ustanawiania zabezpieczeń
first ranking priority The highest level of priority in case of enforcement or liquidation. začněte se učit		pierwszeństwo w kolejności zaspokojenia
pari passu ranking Equal ranking with other creditors or security holders. začněte se učit		równorzędna kolejność zaspokojenia
share capital The total value of shares issued by a company. začněte se učit		kapitał zakładowy
fully paid Shares for which the full purchase price has been paid. začněte se učit		w pełni opłacony
option to purchase A contractual right to buy shares at a future date. začněte se učit		opcja zakupu
Constitutional Documents Legal documents that define the structure and rules of a company (e.g., articles of association). začněte se učit		dokumenty założycielskie
restrict or inhibit To prevent or make difficult the execution of certain actions. začněte se učit		ograniczać lub utrudniać
enforcement of the Security The process of realizing the value of security in case of default. začněte se učit		wykonanie zabezpieczenia
owns and controls Has legal ownership and decision-making authority. začněte se učit		posiada i kontroluje
insolvent Unable to pay debts as they become due. začněte se učit		niewypłacalny
threatened with insolvency At risk of becoming insolvent based on financial condition. začněte se učit		zagrożony niewypłacalnością
Transaction Document Any agreement related to the financing transaction. začněte se učit		dokument transakcyjny
winding-up The process of closing a company and distributing its assets. začněte se učit		likwidacja
dissolution Legal termination of a company’s existence. začněte se učit		rozwiązanie
restructuring / reorganisation Changing the structure or operations of a company to improve viability. začněte se učit		restrukturyzacja / reorganizacja
liquidation Selling assets to pay off debts, often in insolvency. začněte se učit		upadłość / likwidacja
receiver / administrator / trustee A person appointed to manage a company’s assets during insolvency. začněte se učit		syndyk / zarządca / powiernik
foreign bankruptcy proceedings Insolvency processes initiated in another jurisdiction. začněte se učit		zagraniczne postępowania upadłościowe
rescheduling / refinancing Adjusting payment terms or replacing debt with new financing. začněte se učit		zmiana harmonogramu / refinansowanie
Obligor A party that has obligations under the finance documents. začněte se učit		zobowiązany
immunity from suit Legal protection preventing a party from being sued. začněte se učit		immunitet od pozwu
execution / attachment Legal processes to enforce a judgment or secure assets. začněte se učit		egzekucja / zajęcie
legal process Any formal legal action or proceeding. začněte se učit		procedura prawna
Authorisation Official permission required by law or regulation. začněte se učit		zezwolenie / zgoda
Building Permit Legal approval to begin construction. začněte se učit		pozwolenie na budowę
Environmental Permit Authorization to carry out activities affecting the environment. začněte se učit		pozwolenie środowiskowe
transferred to Legally assigned or moved to another party. začněte se učit		przeniesione na
Project Documents Contracts and materials defining the scope and terms of a development project. začněte se učit		dokumenty projektowe
material amendments Significant modifications that affect the substance of a document. začněte se učit		istotne zmiany
Agent A party representing the lenders and overseeing compliance. začněte se učit		agent
Intellectual Property Creations of the mind, such as designs, inventions, and trademarks. začněte se učit		własność intelektualna
legal and beneficial owner A person who holds legal title and enjoys the benefits of ownership. začněte se učit		właściciel prawny i faktyczny
licence Permission to use intellectual property under agreed terms. začněte se učit		licencja
Final Completion Date The date by which the project must be fully completed. začněte se učit		data ostatecznego zakończenia
infringe To violate someone’s legal rights, especially intellectual property. začněte se učit		naruszać
challenge to validity A legal dispute questioning whether a right or document is legally enforceable. začněte se učit		zakwestionowanie ważności
Required Equity Contribution The amount of equity the borrower must invest in the project. začněte se učit		wymagany wkład kapitałowy
Subordinated Loan A loan that ranks below other debts in case of liquidation. začněte se učit		pożyczka podporządkowana
Material Adverse Effect A significant negative change in financial or legal condition. začněte se učit		istotnie negatywny wpływ
Original Financial Statements The initial financial reports used as a reference point in the agreement. začněte se učit		pierwotne sprawozdania finansowe
Repeating Representations Representations that are deemed to be repeated at regular intervals (e.g., interest payment dates). začněte se učit		powtarzalne oświadczenia
deemed to be repeated Considered as restated without needing a new formal declaration. začněte se učit		uznawane za ponownie złożone
Interest Payment Date The scheduled date on which interest is due under the loan agreement. začněte se učit		dzień płatności odsetek
without undue delay As soon as reasonably possible, without unnecessary postponement. začněte se učit		bez zbędnej zwłoki
no longer true or valid A statement that has become incorrect or inapplicable due to changed circumstances. začněte se učit		już nieprawdziwe lub nieważne
Currency indemnity Compensation for losses due to currency conversion. E.g., The Borrower must cover FX losses if payment is made in the wrong currency. začněte se učit		odszkodowanie walutowe
Receivable Amount due to be received. E.g., The receivable is denominated in EUR. začněte se učit		należność
Conversion rate Exchange rate used to convert currencies. E.g., Based on the Lender’s internal rate. začněte se učit		kurs przeliczeniowy
Court enforcement proceedings Legal process to recover debt. E.g., Payment obtained through court enforcement. začněte se učit		postępowanie egzekucyjne
Hedge Documents Contracts for financial hedging (e.g., swaps). E.g., Currency indemnity does not apply to Hedge Documents. začněte se učit		dokumenty zabezpieczające
Other indemnities Compensation for specific costs not covered elsewhere. E.g., Costs due to Event of Default. začněte se učit		inne odszkodowania
Event of Default A breach of contract triggering lender rights. E.g., Non-payment or covenant breach. začněte se učit		przypadek naruszenia
Utilisation Request A formal request to draw funds. E.g., The Borrower submitted a Utilisation Request. začněte se učit		zlecenie wykorzystania
Prepayment notice Notice from the Borrower to repay early. E.g., Costs arise if the Borrower fails to prepay as notified. začněte se učit		zawiadomienie o przedterminowej spłacie
Documented costs Costs supported by evidence. E.g., Legal fees, funding costs, etc. začněte se učit		udokumentowane koszty
Indemnity to the Agent Compensation for losses or costs incurred by the Agent. E.g., The Borrower must indemnify the Agent for investigation costs. začněte se učit		odszkodowanie na rzecz Agenta
Reasonably believes Based on objective, rational judgment. E.g., The Agent reasonably believes a Default occurred. začněte se učit		uzasadnienie uważa
Properly documented cost Cost supported by evidence (e.g., invoices). E.g., Legal fees must be properly documented. začněte se učit		należycie udokumentowany koszt
Instruction A directive or order given to the Agent. E.g., The Agent relied on an instruction from the Borrower. začněte se učit		instrukcja
Mitigation Steps to reduce or avoid negative consequences. E.g., The Lender may transfer obligations to mitigate costs. začněte se učit		działania ograniczające
Affiliate A company related by ownership or control. E.g., Rights may be transferred to an Affiliate. začněte se učit		jednostka powiązana
Limitation of liability Restriction on obligations or liability. E.g., The Lender is not obliged to mitigate if it would be prejudicial. začněte se učit		ograniczenie odpowiedzialności
Prejudicial Likely to cause harm or disadvantage. E.g., The Lender may refuse mitigation if it is prejudicial. začněte se učit		szkodliwy / niekorzystny
Reasonably incurred Costs that are fair and justifiable. E.g., The Borrower must reimburse reasonably incurred expenses. začněte se učit		poniesione w uzasadniony sposób
Transaction expenses External costs related to preparing and executing the loan. E.g., Legal and notary fees. začněte se učit		koszty transakcyjne
Perfection Legal process of making a security interest enforceable. E.g., Registration of mortgage. začněte se učit		ustanowienie (zabezpieczeń)
Legal Due Diligence Report Legal review of the project or borrower. E.g., Required before first disbursement. začněte se učit		raport z badania prawnego
Separately pre-agreed Agreed in advance between parties. E.g., Costs must be pre-agreed to be reimbursed. začněte se učit		uprzednio uzgodnione
Amendment A modification to the terms of the agreement. E.g., The Borrower requested an amendment to the repayment schedule. začněte se učit		zmiana (umowy)
Waiver A formal relinquishment of a contractual right. E.g., A waiver of a financial covenant. začněte se učit		zrzeczenie się prawa
Consent Formal approval by the Lenders or Agent. E.g., Consent to release a security. začněte se učit		zgoda
Duly documented Supported by proper evidence (e.g., invoices). E.g., Only duly documented costs are reimbursed. začněte se učit		należycie udokumentowany
Pre-agreed Agreed in advance between parties. E.g., Costs must be pre-agreed to be reimbursed. začněte se učit		uprzednio uzgodniony
Representation and Warranty A formal statement of fact made by the Borrower. E.g., The Borrower represents it is duly incorporated. začněte se učit		oświadczenie i zapewnienie
Duly incorporated Legally formed under applicable law. E.g., A limited liability company under Polish law. začněte se učit		należycie zarejestrowany
Centre of Main Interests (COMI) The main place of business for insolvency purposes. E.g., COMI is in Poland. začněte se učit		centrum interesów gospodarczych
Establishment A place of operations in another jurisdiction. E.g., The Borrower has no establishment outside Poland. začněte se učit		zakład
Regulation (EU) 2015/848 EU regulation on cross-border insolvency proceedings. E.g., Defines COMI and establishment. začněte se učit		rozporządzenie UE 2015/848
Gross-up Increasing a payment to offset tax deductions. E.g., The Borrower must gross-up payments to ensure the Lender receives the full amount. začněte se učit		bruttowanie
Tax Deduction Withholding tax required by law. E.g., If a tax deduction applies, the Borrower must gross-up. začněte se učit		potrącenie podatkowe
Net amount Amount received after deductions. E.g., The Lender must receive the net amount as if no tax was withheld. začněte se učit		kwota netto
Pursuant to provisions of law As required by applicable legislation. E.g., Tax deductions may be required pursuant to law. začněte se učit		zgodnie z przepisami prawa
Indemnities Obligations to compensate for losses or damages. E.g., The Borrower shall indemnify the Lender for any tax-related losses. začněte se učit		odszkodowania
Qualifying Lender A lender that meets tax treaty or domestic law conditions to receive payments without withholding. E.g., No gross-up applies if the Lender is not a Qualifying Lender. začněte se učit		kwalifikowany kredytodawca
Treaty Lender A lender entitled to tax benefits under a double tax treaty. E.g., A Treaty Lender must provide tax documents. začněte se učit		kredytodawca traktatowy
Published practice or concession Official tax authority guidance or relief. E.g., Changes in published practice may affect gross-up obligations. začněte se učit		opublikowana praktyka lub ulga
Procedural formalities Administrative steps to obtain tax exemption. E.g., Filing forms to avoid withholding tax. začněte se učit		formalności proceduralne
Stamp duty A tax on legal documents. E.g., The Borrower must reimburse stamp duties. začněte se učit		opłata skarbowa
Registration fees Fees for registering legal documents. E.g., Payable in connection with security documents. začněte se učit		opłaty rejestracyjne
VAT (Value Added Tax) Tax on goods and services. E.g., VAT may apply if tax law changes. začněte se učit		podatek VAT
Exclusive of VAT Not including VAT. E.g., All amounts are deemed exclusive of VAT. začněte se učit		netto (bez VAT)
Reimbursement Repayment of expenses. E.g., The Borrower shall reimburse the Lender for VAT on costs. začněte se učit		zwrot kosztów
Not entitled to deduction Cannot recover VAT. E.g., VAT is payable if the Lender is not entitled to deduction. začněte se učit		bez prawa do odliczenia
Increased Costs Additional costs due to legal or regulatory changes. E.g., The Borrower must reimburse Increased Costs. začněte se učit		zwiększone koszty
Basel III / CRD IV International banking regulations on capital and liquidity. E.g., New Basel III rules may increase costs. začněte se učit		Bazylea III / CRD IV
Proportionally Allocated based on share or exposure. E.g., Costs are calculated proportionally if affecting a class of loans. začněte se učit		proporcjonalnie
Compliance Adhering to laws or regulations. E.g., Costs incurred due to compliance with new rules. začněte se učit		zgodność / przestrzeganie
Demand by the Agent Formal request for payment. E.g., The Borrower must pay within 10 days of the Agent’s demand. začněte se učit		żądanie Agenta

Umowa kredytowa 3

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