natgillin/translations-raw huggingface dataset:
Уникален идентификационен код (ИК) за всеки отделен заем.
Specifies the location of the issuance of the credit ratings by: ratings issued in the Union by a registered credit rating agency, ratings issued by third country credit rating agency belonging to the same group of credit rating agencies and endorsed in the Union, ratings issued by certified credit rating agencies or ratings issued by third country credit rating agency belonging to the same group of credit rating agencies but not endorsed in the Union.
ИК на заема остава непроменен за целия срок на сделката.
Solicitation status Solicitation status of the rated entity/instrument.
Инициатор
Commission Delegated Regulation (EU) 2015/3
Текст
supplementing Regulation (EC) No 1060/2009 of the European Parliament and of the Council with regard to regulatory technical standards on disclosure requirements for structured finance instruments
Кредитор, отпуснал първоначалния заем.
Having regard to Regulation (EC) No 1060/2009 of the European Parliament and of the Council of 16 September 2009 on credit rating agencies [1], and in particular the third subparagraph of Article 8b(3) thereof,
Идентификационен код на обслужващия субект
In accordance with Article 8b of Regulation (EC) No 1060/2009, investors should receive sufficient information on the quality and performance of their underlying assets with a view to enabling them to perform an informed assessment of the creditworthiness of structured finance instruments.
Уникален идентификационен код на всеки обслужващ заема субект — отбелязва се, за да се види кой правен субект обслужва заема.’
This would also reduce investors’ dependence on credit ratings and should facilitate the issuance of unsolicited credit ratings.
Идентификационен код на заемополучателя
This Regulation should apply to all financial instruments or other assets resulting from a securitisation transaction or scheme referred to in Article 4(1)(61) of Regulation (EU) No 575/2013 of the European Parliament and of the Council [2] on condition that the issuer, originator or sponsor, is established, and for that purpose has its statutory seat, in the Union.
Уникален идентификационен код (ИК) на всеки заемополучател — не посочва действителното му наименование, но служи за идентифициране на заемополучателите с множество заеми в пула (напр. допълнителните траншове или заемите, получени от заемодатели от втори ред, представляват отделни вписвания).
Therefore, this Regulation should only cover financial instruments or other assets resulting from any transaction or scheme whereby the credit risk associated with an exposure or pool of exposures is tranched and has the characteristics referred to in that Article.
ИК на заемополучателя остава непроменен за целия срок на сделката.
Therefore, in line with that Regulation, an exposure that creates a direct payment obligation for a transaction or scheme used to finance or operate physical assets should not be considered an exposure to a securitisation, even if the transaction or scheme has payment obligations of different seniority.
Идентификационен код на имота
The scope of this Regulation should not be limited to the issuance of structured finance instruments that qualify as securities, but also should include other financial instruments and assets resulting from a securitisation transaction or scheme, such as money-market instruments, including asset-backed commercial paper programmes.
Уникален идентификационен код (ИК) на всеки имот— служи за идентифициране на имотите, свързани с множество заеми в пула (напр. допълнителните траншове или заемите, получени от заемодатели от втори ред, представляват отделни вписвания).
In addition, this Regulation should apply to structured finance instruments with and without credit ratings assigned by a credit rating agency registered in the Union.
Информация за заемополучателя
Private and bilateral transactions should also be within the scope of this Regulation, as well as transactions that are not offered to the public or admitted to trading on a regulated market.
Трудовоправен статус на заемополучателя
This Regulation contains standardised disclosure templates for a number of asset class categories.
Списък
Without prejudice to the scope of this Regulation and until reporting obligations have been developed by ESMA and adopted by the Commission, those standardised disclosure templates and all reporting obligations under this Regulation should apply only to structured finance instruments that are backed by underlying assets which are included in the list of underlying asset class categories specified in this Regulation and which in addition are not of a private or bilateral nature.
Трудовоправен статус на първоначалния заявител.
When complying with this Regulation, issuers, originators and sponsors should comply with national and Union legislation governing the protection of confidentiality of information sources or the processing of personal data in order to avoid potential breaches of such legislation.
Първичен доход
The issuer, originator and sponsor may designate an entity responsible for reporting the information to the website to be set up by ESMA in accordance with Article 8b(4) of Regulation (EC) No 1060/2009 (the SFIs website).
Цифри
Outsourcing the reporting obligation to another entity, for example a servicer, should also be possible.
Договорно установен брутен годишен доход (без наем) на първоначалния заемополучател.
This should be without prejudice to the responsibility of the issuer, originator and sponsor under this Regulation.
Проверка на доходите — за първичния доход
A number of technical reporting instructions concerning, among others, the transmission or the format of the files to be submitted by issuers, originators and sponsors should be communicated by ESMA on its website.
Проверка на доходите — за първичния доход.
ESMA should communicate those technical reporting instructions in due course before the date of application of the reporting obligations laid down in this Regulation, in order to enable issuers, originators, sponsors and other parties involved to be given enough time to develop adequate systems and procedures following the technical instructions provided by ESMA.
Характеристики на заема
The information to be provided pursuant to this Regulation should be compiled in a standard format to allow for automatic processing of the data on the SFIs website.
Дата на иницииране на заема
The information should also be published in a format that is easily accessible for any user of the SFIs website.
Дата/цифри
ESMA should ensure that sectoral competent authorities have access to the SFIs website so as to carry out the tasks assigned to them under Regulation (EC) No 1060/2009.
Дата на отпускане на първоначалния заем.
This Regulation is based on the draft regulatory technical standards submitted by ESMA to the Commission in accordance with Article 10 of Regulation (EU) No 1095/2010 of the European Parliament and of the Council [3].
Падеж на заема
ESMA has conducted an open public consultation on the draft regulatory technical standards on which this Regulation is based, analysed the potential related costs and benefits and requested the opinion of the Securities and Markets Stakeholder Group established in accordance with Article 37 of Regulation (EU) No 1095/2010.
Падежът на заема.
A reasonable time is necessary in order to allow the issuers, the originators and the sponsors of a structured finance instrument established in the Union to adapt and take the necessary steps to comply with this Regulation and to allow ESMA to develop the SFIs website on which disclosure of the information required by this Regulation should take place.
Предмет
Therefore, this Regulation should apply from 1 January 2017.
Предназначение на заема.
However, ESMA should communicate necessary technical reporting instructions in a timely manner before the date of application of this Regulation.
Срок на заема
This is necessary in order to enable the issuers, the originators and the sponsors of a structured finance instrument established in the Union to be given enough time to develop adequate systems and procedures following those technical instructions with a view to ensuring complete and correct reporting and to take into account further developments in the financial markets in the Union,
Първоначално договореният срок (брой месеци).
This Regulation shall apply to structured finance instruments where the issuer, the originator or the sponsor is established in the Union and which are issued after the date of entry into force of this Regulation.
Парична единица на заема
Reporting entity
Паричната единица на заема.
The issuer, the originator and the sponsor of a structured finance instrument may designate one or multiple reporting entities that publish the information required pursuant to Articles 3 and 4, and Article 5(3) of this Regulation on the website referred to in Article 8b(4) of Regulation (EC) No 1060/2009 (the SFIs website).
Първоначално салдо
Those entities shall publish the required information on the SFIs website in accordance with Articles 4 to 7 of this Regulation.
Първоначалното салдо на заема (включително таксите).
The issuer, the originator and the sponsor of a structured finance instrument that has designated the entity or entities referred to in paragraph 1 shall notify ESMA without undue delay of any entity designated in accordance with that paragraph.
Текущото салдо
That designation shall be without prejudice to the responsibility of the issuer, the originator and the sponsor to comply with Article 8b of Regulation (EC) No 1060/2009.
Непогасената към крайната дата на пула сума на заема.
Information to be reported
Тук се включват всички суми, които са обезпечени с жилищна ипотека и ще бъдат класифицирани в сделката като главница.
Where a structured finance instrument is backed by any of the underlying assets referred to in Article 4, the reporting entity shall provide the following information to the SFIs website:
Метод на погасяване
loan level information through the standardised disclosure templates included in Annexes I to VII;
Начин на погасяване на главницата.
where applicable to a structured finance instrument, the following documents, including a detailed description of the waterfall of payments of the structured finance instrument:
Периодичност на плащанията
the final offering document or prospectus, together with the closing transaction documents, including any public documents referenced in the prospectus or which govern the workings of the transaction and excluding legal opinions;
Периодичността на дължимите плащания, т.е. броят на месеците между отделните плащания.
the asset sale agreement, assignment, novation or transfer agreement and any relevant declaration of trust;
Изискуемост на плащанията
the servicing, back-up servicing, administration and cash management agreements;
Периодично договорно изискуемо плащане — това е изискуемото плащане, в случай че не са в сила други платежни споразумения.
the trust deed, security deed, agency agreement, account bank agreement, guaranteed investment contract, incorporated terms or master trust framework or master definitions agreement;
Начин на плащане
any relevant inter-creditor agreements, swap documentation, subordinated loan agreements, start-up loan agreements and liquidity facility agreements;
Основен начин на извършване на плащанията.
any other underlying documentation that is essential for the understanding of the transaction;
Лихвен процент
where a prospectus has not been drawn up in compliance with Directive 2003/71/EC of the European Parliament and of the Council [4], a transaction summary or overview of the main features of a structured finance instrument, including:
Вид лихвен процент
deal structure;
Вид лихвен процент.
the asset characteristics, cash flows, credit enhancement and liquidity support features;
Текущ лихвен индекс
the note holder voting rights, the relationship between note holders and other secured creditors in a transaction;
Текущият лихвен индекс (базовият индекс, спрямо който е определена ипотечната лихвена ставка).
a list of all triggers and events referred to in the documents provided to the SFIs website in accordance with point (b) that could have a material impact on the performance of the structured finance instruments;
Текущ лихвен процент
the structure diagrams containing an overview of the transaction, the cash flows and the ownership structure;
Текущ лихвен процент (%).
the investor reports, containing the information included in Annex VIII.
Текущ лихвен марж
Underlying assets
Текущият лихвен марж: за заеми с фиксиран лихвен процент, това е текущият лихвен процент, а за заеми с плаващ лихвен процент — маржът над или под (ако е посочен като отрицателен) базовия лихвен процент.
The information requirements set out in Article 3 shall apply to structured finance instruments backed by the following underlying assets:
Периодичност на актуализиране на лихвения процент
residential mortgages:
Интервалът (в месеци) на актуализиране на лихвения процент (при заемите с плаващ лихвен процент).
this class of structured finance instruments includes structured finance instruments backed by prime and non-prime mortgages and home equity loans.
Марж при първата промяна
For this class of structured finance instruments, the information included in the template in Annex I shall be provided to the SFIs website;
Маржът (%) по заема на датата на първата промяна на лихвения процент.
commercial mortgages:
Датата на първата промяна на лихвения процент
this class of structured finance instruments includes structured finance instruments backed by retail or office property loans, hospital loans, care residences, storage facilities, hotel loans, nursing facilities, industrial loans, and multifamily properties.
Датата на следващата промяна на лихвения процент (напр. промяна на сконтовия процент, изтичане на период на фиксиран лихвен процент, преразглеждане на лихвения процент на заема и др.).
For this class of structured finance instruments, the information included in the template in Annex II shall be provided to the SFIs website;
Това не е датата на следващата актуализация на LIBOR.
loans to small and medium-sized enterprises:
Марж при втората промяна
for this class of structured finance instruments, the information included in the template in Annex III shall be provided to the SFIs website;
Маржът (%) по заема на датата на втората промяна на лихвения процент.
auto-loans:
Дата на втората промяна на лихвения процент
for this class of structured finance instruments, the information included in the template in Annex IV shall be provided to the SFIs website;
Датата на втората промяна на лихвения процент.
consumer loans:
Марж при третата промяна
for this class of structured finance instruments, the information included in the template in Annex V shall be provided to the SFIs website;
Маржът (%) по заема на датата на третата промяна на лихвения процент.
credit card-loans:
Дата на третата промяна на лихвения процент
for this class of structured finance instruments, the information included in the template in Annex VI shall be provided to the SFIs website;
Датата на третата промяна на лихвения процент.
leases to individuals and/or businesses:
Преразгледан лихвен индекс
for this class of structured finance instruments, the information included in the template in Annex VII shall be provided to the SFIs website.
Следващият лихвен индекс.
Frequency of reporting
Имот и допълнителни обезпечения
The information set out in Article 3(a) and (d) shall be made available on a quarterly basis, no later than one month following the due date for payment of interest on the structured finance instrument concerned.
Пощенски код на имота
The information set out in Article 3(b) and (c) shall be made available without delay after the issuance of a structured finance instrument.
Посочват се минимум първите два или три знака.
In addition to the requirements set out in paragraphs 1 and 2:
Вид на имота
where the requirements laid down in Article 17 of Regulation (EU) No 596/2014 of the European Parliament and of the Council [5] on insider dealing and market manipulation (market abuse) apply also in relation to a structured finance instrument, any disclosure of information pursuant to that article shall also subsequently be published without delay on the SFIs website by the reporting entity;
Видът на имота.
where point (a) does not apply, the reporting entity shall disclose without delay on the SFIs website any significant change or event in any of the following cases:
Първоначално отношение размер на заема/стойност на имота (LTV)
a breach of the obligations laid down in the documents provided in accordance with Article 3(b);
Първоначалното заложено от инициатора LTV.
structural features that can materially impact on the performance of the structured finance instrument;
За заемите, получени от заемодатели от втори ред, това е комбинираното или общото LTV.
the risk characteristics of the structured finance instrument and of the underlying assets.
Оценъчна стойност
The reporting entity shall submit data files in accordance with the reporting system of the SFIs website and the technical instructions to be provided by ESMA on its website.
Стойността на имота към датата на последния транш по заема преди секюритизация.
ESMA shall publish those technical instructions on its website at the latest on 1 July 2016.
Оценъчната стойност и заемът са в една и съща парична единица.
The reporting entity shall store the files sent to and received by the SFIs website in electronic form for at least five years.
Вид на първоначалната оценка
Upon request, those files shall be made available by the reporting entity or the issuer, the originator or the sponsor to the sectoral competent authorities as defined in Article 3(1)(r) of Regulation (EC) No 1060/2009.
Вид на оценката при иницииране.
Where the reporting entity or the issuer, the originator or the sponsor, identifies factual errors in the data that has been provided to the SFIs website they shall correct the relevant data without undue delay.
Дата на оценката
Reporting between the date of entry into force and the date of application
Датата на последната оценка на имота към датата на последния транш по заема преди секюритизация.
With respect to the structured finance instruments issued in the time period between the date of entry into force and the date of application of this Regulation, the issuer, the originator and the sponsor shall comply with the reporting requirements laid down in this Regulation only in relation to the structured finance instruments which are still outstanding at the date of application of this Regulation.
Текущо отношение размер на заема/стойност на имота (LTV)
The issuer, the originator and the sponsor shall not be required to keep a backlog of the information required pursuant to this Regulation between the date of entry into force and the date of application of this Regulation.
Текущото LTV, заложено от инициатора.
It shall apply from 1 January 2017.
Текуща оценъчна стойност
However, Article 6(2) shall apply from the date of entry into force of this Regulation.
Последната оценка на стойността на имота — ако например при повторно влизане във владение е имало няколко оценки, тук се посочва най-ниската.
Directive 2003/71/EC of the European Parliament and of the Council of 4 November 2003 on the prospectus to be published when securities are offered to the public or admitted to trading and amending Directive 2001/34/EC (OJ L 345, 31.12.2003, p.
Вид на текущата оценка
64).
Вид на текущата оценка.
Regulation (EU) No 596/2014 of the European Parliament and of the Council of 16 April 2014 on market abuse (market abuse regulation) and repealing Directive 2003/6/EC of the European Parliament and of the Council and Commission Directives 2003/124/EC, 2003/125/EC and 2004/72/EC (OJ L 173, 12.6.2014, p.
Дата на текущата оценка
1).
Датата на последната оценка.
Reporting template for structured finance instruments backed by residential mortgages
Информация за изпълнението
ASSETS:
Състояние на сметката
Field Name
Текущото състояние на сметката.
Static/Dynamic
Размер на просрочените задължения
Data Type
Текущият размер просрочените задължения.
Field Definition and Criteria
Просрочените задължения се определят, като от съвкупните дължими към момента плащания се извадят съвкупните получени до момента плащания и евентуалните капитализирани суми.
Pool Cut-off Date
Тук не се включват евентуалните такси по отношение на сметката.
Dynamic
Брой месеци на просрочени задължения
Date
Броят месеци, през които този заем е в забава (считано към крайната дата на пула) съгласно даденото от емитента определение.
Pool or portfolio cut-off date.
Просрочени за предходния месец задължения
All dates take YYYY-MM-DD format.
Просрочените задължения (според определеното в поле „Размер на просрочените задължения“) за предходния месец.
Pool Identifier
Просрочени задължения с два месеца
Static
Просрочените задължения (според определеното в поле „Размер на просрочените задължения“) за предходните два месеца.
Text/Numeric
Съдебно производство
Pool or portfolio identifier/name of transaction.
ДА/НЕ
Loan Identifier
Отбелязва се, за да се посочат съдебните производства в ход.
Unique identifier (ID) for each loan.
Дата на обратно изкупуване
The loan ID should not change through the life of the transaction.
Датата, на която сумите по сметката са обратно изкупени.
Originator
Неизпълнение или принудително изземване
Text
Общ размер на неизпълнените задължения преди постъпленията от продажба и възстановяванията.
Lender that advanced the original loan.
Дата на неизпълнение или принудително изземване
Servicer Identifier
Датата на неизпълнение или принудително изземване.
Unique identifier per servicer to flag which entity is servicing the loan.
Ниска граница на продажната цена
Borrower Identifier
Реализирана продажбена цена на недвижимо имущество при принудително изземване, закръглена надолу до най-близките 10000 единици.
Unique identifier (ID) per borrower (not showing the real name) — to enable borrowers with multiple loans in the pool to be identified (e.g. further advances/second liens are shown as separate entries).
Загуба от продажба
The borrower ID should not change over the life of the transaction.
Общата загуба, без такси, начислени лихви и др., след продажбените постъпления (с изключение на таксата за предварително погасяване, ако е обвързана с възстановяване на главницата).
Property Identifier
Кумулативни възстановявания
Unique identifier per property to enable properties with multiple loans in the pool to be identified (e.g. further advances/second liens are shown as separate entries).
Кумулативни възстановявания — само при случаи на загуби.
Borrower Information
ИНФОРМАЦИЯ ЗА ОБЛИГАЦИИТЕ:
Borrower’s Employment Status
Полета с данни за ценните книжа или облигациите
List
Отчетна дата
Employment status of the primary applicant.
Датата, на която сделката е отчетена.
Primary Income
Емитент
Numeric
Наименование на емитента и серия на емисията, ако е приложимо.
Primary borrower underwritten gross annual income (not rent).
Тегления по ликвидно улеснение
Income Verification for Primary Income
Потвърждава се дали по ликвидно улеснение е имало теглене през периода, приключващ на последната дата на плащане на лихва.
Income verification for primary income.
Полета с данни за обезпеченията
Loan Characteristics
Задействащи параметри/отношения
Loan Origination Date
Стойността, към датата на текущото им определяне, на различни параметри и отношения при обезпеченията — просрочия, разсейване, неизпълнение, загуба и др., разглеждани във връзка с ранното им амортизиране или други задействащи събития.
Date/Numeric
Настъпило ли е задействащо събитие?
Date of original loan advance.
Средно постоянно равнище на предварително погасяване
Date of Loan Maturity
В доклада се посочва темпът на средното равнище на постоянно предварително погасяване (РППП) на съответните жилищни ипотечни заеми.
The date of loan maturity.
В някои юрисдикции, ипотечният пул може да включва и търговски заеми.
Purpose
Темпът на средното РППП е сумата, изразена като годишен процент от предварително погасената главница извън предвидените вноски.
Loan purpose.