overdraft
Longman Dictionary of Contemporary English 5++LDOCE 5++o·ver·draft /ˈəʊvədrɑːft $ ˈoʊvərdræft/ noun [countable] British English BFBthe amount of money you owe to a bank when you have spent more money than you had in your account 透支额 a £250 overdraft 250英镑的透支额 Many students have a free overdraft facility (=agreement with their bank to have an overdraft up to a particular limit). 许多学生都能享受免费透支服务。
Examples from the Corpus
overdraft• When he left college, he had a $3000 overdraft.• Imagine now that a customer of an individual bank applies successfully for an overdraft.• As one example, the bank would begin charging interest the day a kibbutz incurred an overdraft.• An overdraft offered more flexibility but higher cost.• They had been given borrowing and overdraft facilities.• I've already got an enormous overdraft.• As a result, the groundwater overdraft, instead of being alleviated, has gotten worse.• I want to go on farming, but I will have to see if my overdraft can take it.• Answer guide: The cash is needed in the business, see overdraft situation, it will need to be left in.• Keep within the limit and you will not pay the penalties that come with unauthorised overdrafts.overdraft facility• The company had agreed an overdraft facility with the bank that by December 1986 had been raised to £40,000.• Mr. Tucker agreed to allow an overdraft facility of £60,000 for one month.• This has implications for free banking and overdraft facilities.• They had been given borrowing and overdraft facilities.• We also provide interest free overdraft facilities in the first year of study.• You may want a permanent overdraft facility.• As the overdraft facility is used, however, two things begin to happen simultaneously.• When the overdraft facility is fully used, the composition of assets will have changed.From Longman Business Dictionaryoverdrafto‧ver‧draft /ˈəʊvədrɑːftˈoʊvərdræft/ noun [countable] especially British English BANKING an arrangement between a bank and a customer, allowing them to take out more money from their CURRENT ACCOUNT than they had in it, or the amount involvedWe can offer current accounts with overdraft facilities.The authorised overdraft (=one that the bank agreed to give) interest rate is normally cheaper than bank personal loan rates.You will find that you will be charged more for an unauthorised overdraft.We often reached our overdraft limit because of cashflow problems. → bank overdrafto·ver·draft nounChineseSyllable
Business owe amount the you a money Corpus to of
overdraft
o‧ver‧draft /ˈəʊvədrɑːft $ ˈoʊvərdræft/
noun [countable] British English
the amount of money you owe to a bank when you have spent more money than you had in your account:
a £250 overdraft
Many students have a free overdraft facility (=agreement with their bank to have an overdraft up to a particular limit).
▪ loan noun [countable] an amount of money that is borrowed, especially from a bank or company, which you agree to pay back by the end of a period of time: We took out a loan to buy a new car. | He is paying back a $50,000 loan.
▪mortgage noun [countable] a large amount of money that someone borrows from a bank or company to buy a house: Nick told me the mortgage on his apartment is worth about $90,000. | Anyone taking out a mortgage should be aware that interest rates can go up at any time. | It took my parents nearly thirty years to pay off their mortgage.
▪interest noun [uncountable] money that you pay for borrowing money, especially that you pay every year or every month at a fixed rate: Credit companies charge huge amounts of interest. | What’s the interest on the loan?
▪overdraft noun [countable] British English the amount of money that you owe to bank when you have spent more money than you had in your account: I left university with no job and a big overdraft. | 20% of the bank’s customers regularly use their overdraft facility. | You have to pay a fee for unauthorized overdrafts.
▪debt noun [uncountable and countable] an amount of money that a person or organization owes: The company now has debts of almost £2 million. | A lot of the money went towards paying his debts. | The family were $100,000 in debt (=they owed $100,000).
▪credit noun [uncountable] an arrangement with a shop or bank that allows you to buy something and pay for it later: We bought the furniture on credit. | He had a credit limit of £7,000.
o‧ver‧draft /ˈəʊvədrɑːft $ ˈoʊvərdræft/
noun [countable] British Englishthe amount of money you owe to a bank when you have spent more money than you had in your account:
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Income 收入
earn money/cash/( a fortune挣钱；挣一大笔钱 make money/a fortune/( a killing on the stock market在股市上赚钱／赚一大笔钱／发大财 acquire/inherit/amass wealth/a fortune获得／继承／积累财富／一大笔钱 build up funds/savings积累资金／存款 get/receive/leave (sb) an inheritance/a legacy得到／（给某人）留下遗产 live on a low wage/a fixed income/a pension靠低微的工资／固定收入／养老金过活 get/receive/draw/collect a pension领取养老金 depend/be dependent on ( benefits/BrE ( welfare/social securityNAmE 靠福利金／社会保障金过活
Expenditure 开支；支出
spend money/your savings/( a fortune on…把钱／存款／一大笔钱花在…上 invest/put your savings in…投资／把储蓄金用于… throw away/waste/ ( shell out money on…把钱浪费／花费巨资在…上 lose your money/inheritance/pension失去钱财／遗产／养老金 use up/ ( wipe out all your savings把储蓄用光 pay (in) cash用现金支付 use/pay by a credit/debit card用信用卡／借记卡支付 pay by/make out a/write sb a/accept a ( cheque/BrE ( check用支票支付；开支票；给某人开支票；接受支票 change/exchange money/currency/( traveller's cheques/BrE ( traveler's checks兑换钱／货币／旅行支票 give/pay/leave (sb) a deposit预付（某人）订金
Banks 银行
have/hold/open/close/freeze a bank account/an account持有／开立／注销／冻结银行账户 credit/debit/pay sth into/take money out of your account记入账户的贷方／借方；把钱存入账户／从账户中取出 deposit money/funds in your account往账户里存钱／存入资金 withdraw money/cash/£30 from an ATM, etc.从自动提款机等取钱／现金／30 英镑 ( make a deposit/withdrawal存款；取款 find/go to/use ( an ATM/especially
NAmE ( a cash machine/dispenserBrE 找到／去／使用自动提款机 be in credit/in debit/in the black/in the red/overdrawn账面有钱／亏空；有盈余；透支
Personal finance 个人理财
manage/handle/plan/run/ ( especially
BrE sort out your finances管理／处理／计划／经营管理／整顿财务问题 plan/manage/work out/stick to a budget计划／管理／制订／严格执行预算 offer/extend credit (to sb)（给某人）提供贷款 arrange/take out a loan/an overdraft商定／获得贷款／透支额 pay back/repay money/a loan/a debt偿还钱／贷款／债务 pay for sth in ( instalments/especially
BrE ( installmentsNAmE usually
以分期付款方式购买某物
Financial difficulties 财务困难
get into debt/financial difficulties陷入债务／财务困难 be short of/ ( be strapped for cash缺钱 run out of/owe money钱用光了；欠钱 face/get/ ( be landed with a bill for £…面对／收到一张…英镑的账单 can't afford the cost of…/payments/rent承担不起…的费用／款项／房租 fall behind with/ ( especially
NAmE fall behind on the mortgage/repayments/rent拖欠按揭贷款／分期偿还款项／房租 incur/run up/accumulate debts带来／积欠／累积债务 tackle/reduce/settle your debts处理／减少／付清债务