FrancophonIA/DGT-Translation_Memory huggingface dataset:
English: S being the present balance of flows. If the aim is to maintain the equivalence of flows, the value will be zero.
French: S étant le solde des flux actualisés et dont la valeur sera nulle si on veut conserver l'équivalence des flux.
German: dabei ist S der Saldo der Gegenwartswerte aller „Ströme“, deren Wert gleich Null sein muss, damit die Gleichheit zwischen den „Strömen“ gewahrt bleibt.
Spanish: donde S es el saldo de los flujos actualizados, cuyo valor será nulo si se quiere conservar la equivalencia de los flujos.
Italian: dove S è il saldo dei flussi attualizzati e il cui valore sarà pari a zero se si desidera conservare l’equivalenza dei flussi.
Portuguese: S corresponde ao saldo dos fluxos actuais, sendo nulo se se pretender manter a equivalência dos fluxos.
Dutch: S is het saldo van de geactualiseerde flux en bedraagt nul indien de flux gelijkwaardig is.
English: in the case of an overdraft facility the total amount of credit shall be deemed to be drawn down in full and for the whole duration of the credit agreement. If the duration of the credit agreement is not known the annual percentage rate of charge shall be calculated on the assumption that the duration of the credit is three months;
German: im Falle einer Überziehungsmöglichkeit gilt der gesamte Kredit als in voller Höhe und für die gesamte Laufzeit des Kreditvertrags in Anspruch genommen; ist die Laufzeit des Kreditvertrags nicht bekannt, so wird bei der Berechnung des effektiven Jahreszinses von der Annahme ausgegangen, dass die Laufzeit des Kreditvertrags drei Monate beträgt;
Greek: σε περίπτωση διευκόλυνσης υπερανάληψης, θεωρείται ότι πραγματοποιείται πλήρης ανάληψη του συνολικού ποσού της πίστωσης για όλη τη διάρκεια της σύμβασης πίστωσης· εάν η διάρκεια της σύμβασης πίστωσης δεν είναι γνωστή, το συνολικό ετήσιο πραγματικό επιτόκιο υπολογίζεται βάσει του τεκμηρίου ότι η διάρκεια της σύμβασης είναι τρίμηνη·
English: another ancillary service contract, Yes/no [if yes, specify the kind of ancillary service]
German: zwingende Voraussetzung dafür, dass der Kredit überhaupt oder nach den vorgesehenen Vertragsbedingungen gewährt wird?
English: A Member State could thereby maintain or introduce national legislation corresponding to the provisions of this Directive or certain of its provisions on credit agreements outside the scope of this Directive, for instance on credit agreements involving amounts less than EUR 200 or more than EUR 75000.
Finnish: Jäsenvaltio voisi näin pitää voimassa tai ottaa käyttöön tämän direktiivin säännöksiä tai sen tiettyjä säännöksiä vastaavaa kansallista lainsäädäntöä, joka koskee muita kuin tämän direktiivin soveltamisalaan kuuluvia luottosopimuksia, esimerkiksi luottosopimuksia, jotka koskevat alle 200 euron tai yli 75000 euron määriä.
Greek: Με αυτό τον τρόπο, τα κράτη μέλη θα μπορούσαν να διατηρούν ή να θεσπίζουν νομοθετικές διατάξεις αντίστοιχες προς τις διατάξεις της παρούσας οδηγίας ή προς ορισμένες από τις διατάξεις της σχετικά με συμβάσεις πίστωσης που δεν υπάγονται στο πεδίο εφαρμογής της παρούσας οδηγίας, π.χ. συμβάσεις πίστωσης που αφορούν ποσά κάτω των 200 ευρώ ή άνω των 75000 ευρώ.
Hungarian: A tagállamok ily módon fenntarthatnak vagy bevezethetnek ezen irányelv alkalmazási körébe nem tartozó – például 200 EUR-nál kisebb vagy 75000 EUR-nál nagyobb összegű – hitelmegállapodásokra vonatkozóan olyan nemzeti jogszabályokat, amelyek megfelelnek ezen irányelv rendelkezéseinek vagy egyes rendelkezéseinek.
Estonian: Seega saaks liikmesriik säilitada või kehtestada siseriiklikud õigusaktid, mis on vastavuses käesoleva direktiivi sätetega või selle teatavate sätetega, mis käsitlevad käesoleva direktiivi reguleerimisalast välja jäävaid krediidilepinguid, näiteks krediidilepinguid, mille summa on väiksem kui 200 eurot või suurem kui 75000 eurot.
Latvian: Tādējādi dalībvalstis varētu saglabāt vai ieviest valstu tiesību aktus, kas ir atbilstīgi šis direktīvas vai tās atsevišķu noteikumu prasībām par kredītlīgumiem, kas ir ārpus šis direktīvas darbības jomas, piemēram, par kredītlīgumiem, kuru summa ir mazāka par EUR 200 vai lielāka par EUR 75000.
English: Furthermore, Member States could also apply the provisions of this Directive to linked credit which does not fall within the definition of a linked credit agreement as contained in this Directive.
Finnish: Lisäksi jäsenvaltiot voisivat soveltaa tämän direktiivin säännöksiä myös liitännäiseen luottoon, jota tämän direktiivin määritelmä liitännäisestä luottosopimuksesta ei koske.
Greek: Επιπλέον, τα κράτη μέλη θα μπορούσαν να εφαρμόζουν τις διατάξεις της παρούσας οδηγίας και σε συνδεδεμένες πιστώσεις, οι οποίες δεν εμπίπτουν στον ορισμό περί συνδεδεμένης σύμβασης πίστωσης, όπως περιέχεται στην παρούσα οδηγία.
Hungarian: Ezen túlmenően a tagállamok az irányelv rendelkezéseit a kapcsolt hitelmegállapodásoknak az irányelvben szereplő fogalmába nem tartozó kapcsolt hitelekre is alkalmazhatják.
Estonian: Lisaks saaksid liikmesriigid käesoleva direktiivi sätteid kohaldada ka seotud krediidile, mis ei ühti käesolevas direktiivis antud seotud krediidilepingu määratlusega.
Latvian: Turklāt dalībvalstis varētu piemērot šis direktīvas noteikumus arī saistītam kredītam, uz ko neattiecas šajā direktīvā paredzētā definīcija par saistītu kredītlīgumu.
English: Member States should therefore not be allowed to maintain or introduce national provisions other than those laid down in this Directive. However, such restriction should only apply where there are provisions harmonised in this Directive.
Spanish: En este sentido, los Estados miembros no deben poder mantener o introducir disposiciones nacionales distintas a las previstas por la presente Directiva, pero tal restricción solo debe aplicarse cuando en la Directiva haya disposiciones armonizadas.
English: Credit agreements covering the granting of credit secured by real estate should be excluded from the scope of this Directive. That type of credit is of a very specific nature.
Spanish: Conviene excluir del ámbito de aplicación de la presente Directiva los contratos relativos a la concesión de un crédito que esté garantizado por una hipoteca sobre un inmueble, dado que este tipo de crédito tiene un carácter muy específico.
English: Cash price If applicable
Estonian: Hind kohe tasudes (netohind)
English: Early repayment You have the right to repay the credit early at any time in full or partially.
Estonian: Teil on igal ajal õigus krediidi osaliseks või täielikuks ennetähtaegseks tagastamiseks
English: OJ L 42, 12.2.1987, p. 48. Directive as last amended by Directive 98/7/EC of the European Parliament and of the Council (OJ L 101, 1.4.1998, p. 17).
Finnish: EYVL L 42, 12.2.1987, s. 48, direktiivi sellaisena kuin se on viimeksi muutettuna Euroopan parlamentin ja neuvoston direktiivillä 98/7/EY (EYVL L 101, 1.4.1998, s. 17).
Hungarian: HL L 42., 1987.2.12., 48. o. A legutóbb a 98/7/EK európai parlamenti és tanácsi irányelvvel (HL L 101., 1998.4.1., 17. o.) módosított irányelv.
Latvian: OV L 42, 12.2.1987., 48. lpp. Direktīvā jaunākie grozījumi izdarīti ar Eiropas Parlamenta un Padomes Direktīvu 98/7/EK (OV L 101, 1.4.1998., 17. lpp.).
English: OJ L 177, 30.6.2006, p. 1. Directive as last amended by Directive 2008/24/EC (OJ L 81, 20.3.2008, p. 38).
Finnish: EUVL L 177, 30.6.2006, s. 1, direktiivi sellaisena kuin se on viimeksi muutettuna direktiivillä 2008/24/EY (EUVL L 81, 20.3.2008, s. 38).
Hungarian: HL L 177., 2006.6.30., 1. o. A legutóbb a 2008/24/EK irányelvvel (HL L 81., 2008.3.20., 38. o.) módosított irányelv.
Latvian: OV L 177, 30.6.2006., 1. lpp. Direktīvā jaunākie grozījumi izdarīti ar Direktīvu 2008/24/EK (OV L 81, 20.3.2008., 38. lpp.).
English: OJ L 271, 9.10.2002, p. 16. Directive as last amended by Directive 2007/64/EC (OJ L 319, 5.12.2007, p. 1).
Finnish: EYVL L 271, 9.10.2002, s. 16, direktiivi sellaisena kuin se on viimeksi muutettuna direktiivillä 2007/64/EY (EUVL L 319, 5.12.2007, s. 1).
Hungarian: HL L 271., 2002.10.9., 16. o. A legutóbb a 2007/64/EK irányelvvel (HL L 319., 2007.12.5., 1. o.) módosított irányelv.
Latvian: OV L 271, 9.10.2002., 16. lpp. Direktīvā jaunākie grozījumi izdarīti ar Direktīvu 2007/64/EK (OV L 319, 5.12.2007., 1. lpp.).
English: OJ L 145, 30.4.2004, p. 1. Directive as last amended by Directive 2008/10/EC (OJ L 76, 19.3.2008, p. 33).
Finnish: EUVL L 145, 30.4.2004, s. 1, direktiivi sellaisena kuin se on viimeksi muutettuna direktiivillä 2008/10/EY (EUVL L 76, 19.3.2008, s. 33).
Hungarian: HL L 145., 2004.4.30., 1. o. A legutóbb a 2008/10/EK irányelvvel (HL L 76., 2008.3.19., 33. o.) módosított irányelv.
Latvian: OV L 145, 30.4.2004., 1. lpp. Direktīvā jaunākie grozījumi izdarīti ar Direktīvu 2008/10/EK (OV L 76, 19.3.2008., 33. lpp.).
English: ANNEX III EUROPEAN CONSUMER CREDIT INFORMATION FOR
Finnish: LIITE III
English: However, such restriction should only apply where there are provisions harmonised in this Directive. Where no such harmonised provisions exist, Member States should remain free to maintain or introduce national legislation.
French: En l'absence de telles dispositions harmonisées, les États membres devraient cependant être libres de maintenir ou d'introduire des dispositions législatives nationales.
English: the consumer's right to be supplied, on request and free of charge, with a copy of the draft credit agreement. This provision shall not apply if the creditor is at the time of the request unwilling to proceed to the conclusion of the credit agreement with the consumer; and
Hungarian: a fogyasztónak a kérésére a hitelmegállapodás-tervezet egy példánya díjmentes rendelkezésre bocsátásának a joga; e rendelkezés nem alkalmazandó, ha a kérelem benyújtásának időpontjában a hitelező nem kívánja a fogyasztóval a hitelmegállapodást megkötni; és
English: In recent years the types of credit offered to and used by consumers have evolved considerably. New credit instruments have appeared, and their use continues to develop.
Italian: Le forme di credito offerte ai consumatori e utilizzate da questi sono cambiate notevolmente negli ultimi anni; sono comparsi nuovi strumenti di credito e il loro impiego continua a svilupparsi.
English: The Member States' authorities could also give appropriate instructions and guidelines to creditors. Consumers should also act with prudence and respect their contractual obligations.
Italian: Le autorità degli Stati membri potrebbero inoltre fornire istruzioni e orientamenti appropriati ai creditori e i consumatori, dal canto loro, dovrebbero agire con prudenza e rispettare le loro obbligazioni contrattuali.
English: Since the objective of this Directive, namely the establishment of common rules for certain aspects of the laws, regulations and administrative provisions of the Member States concerning consumer credit, cannot be sufficiently achieved by the Member States and can therefore be better achieved at Community level, the Community may adopt measures, in accordance with the principle of subsidiarity as set out in Article 5 of the Treaty. In accordance with the principle of proportionality, as set out in that Article, this Directive does not go beyond what is necessary in order to achieve that objective.
Italian: Poiché l'obiettivo della presente direttiva, vale a dire la definizione di norme comuni riguardo a certi aspetti delle disposizioni legislative, regolamentari e amministrative degli Stati membri in materia di credito al consumo, non può essere realizzato in misura sufficiente dagli Stati membri e può dunque essere realizzato meglio a livello comunitario, la Comunità può intervenire, in base al principio di sussidiarietà sancito dall'articolo 5 del trattato; la presente direttiva si limita a quanto è necessario per conseguire tale obiettivo in ottemperanza al principio di proporzionalità enunciato nello stesso articolo.
English: A year is presumed to have 365 days (or 366 days for leap years), 52 weeks or 12 equal months. An equal month is presumed to have 30,41666 days (i.e. 365/12) regardless of whether or not it is a leap year.
Italian: Si assume che un anno sia composto da 365 giorni (366 giorni per gli anni bisestili), 52 settimane o 12 mesi di uguale durata, ciascuno dei quali costituito da 30,41666 giorni (vale a dire 365/12), a prescindere dal fatto che l’anno sia bisestile o meno;
English: This means how and when you will obtain the money. The duration of the credit agreement
Italian: Si tratta delle modalità attraverso le quali il consumatore otterrà il denaro e della relativa data.
English: Such information, on paper or on another durable medium, shall be provided by means of the Standard European Consumer Credit Information form set out in Annex II. The creditor shall be deemed to have fulfilled the information requirements in this paragraph and in Article 3, paragraphs (1) and (2) of Directive 2002/65/EC if he has supplied the Standard European Consumer Credit Information.
Dutch: Die informatie wordt, op papier of op een andere duurzame drager, verstrekt overeenkomstig het formulier „Europese standaardinformatie inzake consumentenkrediet” in bijlage II. De kredietgever wordt geacht te hebben voldaan aan de voorschriften van dit lid en van artikel 3, leden 1 en 2, van Richtlijn 2002/65/EG wanneer hij de Europese standaardinformatie inzake consumentenkrediet heeft verstrekt.
English: It may be provided by means of the European Consumer Credit Information form set out in Annex III. The creditor shall be deemed to have fulfilled the information requirements in this paragraph and in Article 3(1) and (2) of Directive 2002/65/EC if he has supplied the European Consumer Credit Information.
Dutch: Zij mag worden verstrekt overeenkomstig het formulier „Europese consumentenkredietinformatie” van bijlage III. De kredietgever wordt geacht te hebben voldaan aan de voorschriften van dit lid en van artikel 3, leden 1 en 2, van Richtlijn 2002/65/EG wanneer hij de Europese consumentenkredietinformatie heeft verstrekt.
Swedish: Kreditgivaren anses ha uppfyllt informationskraven i detta stycke och i artikel 3.1 och 3.2 i direktiv 2002/65/EG om han har tillhandahållit ”Europeisk konsumentkreditinformation”.
English: Opinion of the European Parliament of 20 April 2004 (OJ C 104 E, 30.4.2004, p. 233), Council common position of 20 September 2007 (OJ C 270 E, 13.11.2007, p. 1) and Position of the European Parliament of 16 January 2008 (not yet published in the Official Journal). Council Decision of 7 April 2008.
Dutch: Advies van het Europees Parlement van 20 april 2004 (PB C 104 E van 30.4.2004, blz. 233), gemeenschappelijk standpunt van de Raad van 20 september 2007 (PB C 270 E van 13.11.2007, blz. 1) en standpunt van het Europees Parlement van 16 januari 2008 (nog niet bekendgemaakt in het Publicatieblad), besluit van de Raad van 7 april 2008.
English: The annual percentage rate of charge (APR) [2]This is the total cost of credit expressed as an annual percentage of the total amount of credit. The APR is there to help you compare different offers.
Dutch: Jaarlijks kostenpercentage (JKP) [2]Dit zijn de totale kosten, uitgedrukt als jaarlijks percentage van het totale kredietbedrag.Aan de hand van het JKP kunt u verschillende aanbiedingen onderling beter vergelijken.
English: In 1997, the Commission presented a summary report of reactions to the 1995 report. A second report was produced in 1996 on the operation of Directive 87/102/EEC.
Polish: W 1997 r. Komisja przedstawiła sprawozdanie podsumowujące reakcje na jej sprawozdanie z 1995 r. W 1996 r. zostało przedstawione drugie sprawozdanie w sprawie funkcjonowania dyrektywy 87/102/EWG.
English: Before 12 May 2010 Member States shall adopt and publish the provisions necessary to comply with this Directive. They shall forthwith inform the Commission thereof.
Portuguese: Antes de 12 de Maio de 2010, os Estados-Membros devem aprovar e publicar as disposições necessárias para dar cumprimento à presente directiva e informar imediatamente a Comissão desse facto.
English: Article 3 Definitions
Slovenian: Opredelitev pojmov
English: H.-G. Pöttering
Slovenian: H.-G Pottering
English: in order to give effect to the withdrawal before the expiry of the deadline referred to in paragraph 1, notify this to the creditor in line with the information given by the creditor pursuant to Article 10(2)(p) by means which can be proven in accordance with national law. The deadline shall be deemed to have been met if that notification, if it is on paper or on another durable medium that is available and accessible to the creditor, is dispatched before the deadline expires; and
Swedish: för att ge verkan åt ångerrätten innan den ångerfrist som avses i punkt 1 går ut underrätta kreditgivaren om detta i enlighet med den information som kreditgivaren lämnat enligt artikel 10.2 p och på ett sätt som kan styrkas i enlighet med nationell lagstiftning; tidsfristen ska anses ha respekterats om meddelandet skickats innan tidsfristen löper ut, förutsatt att det har lämnats i pappersform eller genom annat varaktigt medium som kreditgivaren har tillgång till, och
English: In the case of an agreement to open a current account, where there is a possibility that the consumer is allowed an overrun, the agreement shall contain in addition the information referred to in Article 6(1)(e). The creditor shall in any case provide that information on paper or another durable medium on a regular basis.
Swedish: När det gäller ett avtal om öppnande av ett checkkonto, där det finns en möjlighet för konsumenten att överskrida kontot, ska avtalet också innehålla de uppgifter som omnämns i artikel 6.1 e. Kreditgivaren ska i alla händelser regelbundet lämna dessa uppgifter på papper eller på något annat varaktigt medium
English: The law taken by the creditor as a basis for the establishment of relations with you before the conclusion of the credit contract If applicable
Swedish: Den lagstiftning som kreditgivaren använt som grundval för att upprätta förbindelser med dig innan kreditavtalet ingicks