natgillin/translations-raw huggingface dataset:
Where possible, self-regulation is preferable to legislation and both industry and consumer groups should be fully involved in any initiatives.
Where possible, self-regulation is preferable to legislation and both industry and consumer groups should be fully involved in any initiatives.
The secondary mortgage securities market should be a priority for action at EU level.
The secondary mortgage securities market should be a priority for action at EU level.
Achieving a single market in funding would have quick and significant results and seems to be widely supported.
Achieving a single market in funding would have quick and significant results and seems to be widely supported.
There is large potential for growth in funding from the capital markets, especially in certain member states.
There is large potential for growth in funding from the capital markets, especially in certain member states.
Greater scale, liquidity, range and sophistication would result in cheaper mortgages and more flexible and varied products.
Greater scale, liquidity, range and sophistication would result in cheaper mortgages and more flexible and varied products.
The Mortgage Funding Expert Group has started work already and is expected to present its conclusions in November 2006.
The Mortgage Funding Expert Group has started work already and is expected to present its conclusions in November 2006.
One of its tasks should be to determine to what extent national regulations prevent the emergence of a pan-EU funding market.
One of its tasks should be to determine to what extent national regulations prevent the emergence of a pan-EU funding market.
The growth in recent years of covered bonds and mortgage backed securities shows that the market is already moving in this direction.
The growth in recent years of covered bonds and mortgage backed securities shows that the market is already moving in this direction.
However, action at EU level could spur greater use of the capital markets.
However, action at EU level could spur greater use of the capital markets.
The rapporteur would suggest that the expert group look at how to develop standardised packages of mixed European mortgages with known characteristics, which could be credit rated and traded on the capital markets.
The rapporteur would suggest that the expert group look at how to develop standardised packages of mixed European mortgages with known characteristics, which could be credit rated and traded on the capital markets.
Currently in some member states only "banks" can borrow on the capital markets and/or offer mortgage products.
Currently in some member states only "banks" can borrow on the capital markets and/or offer mortgage products.
Your rapporteur considers that regimes should be liberalised to allow non-deposit taking institutions to enter the market.
Your rapporteur considers that regimes should be liberalised to allow non-deposit taking institutions to enter the market.
In the UK they have had a positive impact on the level of competition and market completeness.
In the UK they have had a positive impact on the level of competition and market completeness.
While prudential concerns do need to be taken into account, any rules must be proportionate and non-discriminatory.
While prudential concerns do need to be taken into account, any rules must be proportionate and non-discriminatory.
The "Euromortgage" offers the possibility to weaken the link between the mortgage collateral and the mortgage contract.
The "Euromortgage" offers the possibility to weaken the link between the mortgage collateral and the mortgage contract.
It could be developed as an optional pan-European tool to facilitate cross-border lending and cover multiple properties.
It could be developed as an optional pan-European tool to facilitate cross-border lending and cover multiple properties.
Its feasibility should therefore be assessed in more depth.
Its feasibility should therefore be assessed in more depth.
Early repayment conditions and costs vary from country to country.
Early repayment conditions and costs vary from country to country.
Rules, which limit the lender's and borrower's freedom to agree terms and charges for early repayment, could impede competition and hinder the development of a pan-European funding market.
Rules, which limit the lender's and borrower's freedom to agree terms and charges for early repayment, could impede competition and hinder the development of a pan-European funding market.
Caps on interest rates and variable rates could also restrict the development of new products or lending to higher risk borrowers.
Caps on interest rates and variable rates could also restrict the development of new products or lending to higher risk borrowers.
Borrowers need to know the true cost and conditions in order to compare products.
Borrowers need to know the true cost and conditions in order to compare products.
Directive 2002/65/EC on distance marketing of consumer financial services requires the supplier to provide the consumer with the total price as well as notifying him of any additional costs not paid via or imposed by the supplier.
Directive 2002/65/EC on distance marketing of consumer financial services requires the supplier to provide the consumer with the total price as well as notifying him of any additional costs not paid via or imposed by the supplier.
Agreement on an EU standard APRC for mortgages should be a priority.
Agreement on an EU standard APRC for mortgages should be a priority.
Internet banking is developing rapidly.
Internet banking is developing rapidly.
Its role in mortgages has been limited so far, but this will probably accelerate.
Its role in mortgages has been limited so far, but this will probably accelerate.
Therefore, we need to be aware of any legal barriers which could hinder future development.
Therefore, we need to be aware of any legal barriers which could hinder future development.
For example, the E-Commerce Directive requires national authorities to ensure contracts concluded by electronic means are legally effective, but excludes contracts that create or transfer rights in real estate.
For example, the E-Commerce Directive requires national authorities to ensure contracts concluded by electronic means are legally effective, but excludes contracts that create or transfer rights in real estate.
Legal, tax and operational barriers
Legal, tax and operational barriers
There needs to be greater clarity about the law applicable to the credit contract and the mortgage deed.
There needs to be greater clarity about the law applicable to the credit contract and the mortgage deed.
In the case of the mortgage deed, lex rei sitae applies.
In the case of the mortgage deed, lex rei sitae applies.
Lenders are more likely to enter a market if they have access to client data as well as better access to and clearer information on mortgage collateral and ownership rights.
Lenders are more likely to enter a market if they have access to client data as well as better access to and clearer information on mortgage collateral and ownership rights.
Non-discriminatory access to both positive and negative client credit data needs to be facilitated subject to justifiable protection of personal privacy.
Non-discriminatory access to both positive and negative client credit data needs to be facilitated subject to justifiable protection of personal privacy.
Delays in forced sales create problems for lenders and therefore the encouragement of shorter and less expensive forced sales procedures is extremely important.
Delays in forced sales create problems for lenders and therefore the encouragement of shorter and less expensive forced sales procedures is extremely important.
A scoreboard system could have a salutary effect.
A scoreboard system could have a salutary effect.
Good quality property valuations according to a consistent standard are essential for lenders.
Good quality property valuations according to a consistent standard are essential for lenders.
Therefore reaching common valuation standards would be the optimal solution.
Therefore reaching common valuation standards would be the optimal solution.
The relevant professional bodies should be invited to develop them on an EU-wide basis.
The relevant professional bodies should be invited to develop them on an EU-wide basis.
Tax obstacles to the cross-border provision of mortgages need to be identified and addressed.
Tax obstacles to the cross-border provision of mortgages need to be identified and addressed.
Prominent among the differences is the deductibility from taxable income of mortgage interest.
Prominent among the differences is the deductibility from taxable income of mortgage interest.
If agreement cannot be found on the fundamental issue, then at least the tax benefit should be extended to mortgage interest paid to lenders in other member states on property located in the primary member state.
If agreement cannot be found on the fundamental issue, then at least the tax benefit should be extended to mortgage interest paid to lenders in other member states on property located in the primary member state.
Systemic, macroeconomic and prudential issues
Systemic, macroeconomic and prudential issues
The current scale of mortgage finance, let alone its potential scale, makes it a significant factor in the EU's economic and social fabric.
The current scale of mortgage finance, let alone its potential scale, makes it a significant factor in the EU's economic and social fabric.
It is clear that the relevant authorities (e.g. the ECB, Commission, member state governments and regulators) need to monitor developments, which might cause systemic difficulties of a financial or social character.
It is clear that the relevant authorities (e.g. the ECB, Commission, member state governments and regulators) need to monitor developments, which might cause systemic difficulties of a financial or social character.
Nevertheless, any such oversight should look primarily to an efficient market to maintain the requisite balance.
Nevertheless, any such oversight should look primarily to an efficient market to maintain the requisite balance.
Bureaucratic and legislative interference should be restricted to the essential minimum.
Bureaucratic and legislative interference should be restricted to the essential minimum.
Výbor pro vnitřní trh a ochranu spotřebitelů vyzývá Hospodářský a měnový výbor jako příslušný výbor, aby do svého návrhu usnesení začlenil tyto návrhy:
The Committee on the Internal Market and Consumer Protection calls on the Committee on Economic and Monetary Affaires, as the committee responsible, to incorporate the following suggestions in its motion for a resolution:
A. vzhledem k tomu, že zelená kniha Komise o hypotečním úvěru v EU ( KOM(2005)0327 )) posuzuje možnost přijetí právních předpisů Společenství zaměřených na prohlubování integrace evropského trhu hypotečních úvěrů s cílem zvýšit hospodářský růst, zaměstnanost a konkurenceschopnost EU,
A. whereas the Commission Green Paper on Mortgage Credit in the EU ( COM(2005)0327 ) assesses the case for Community legislation aimed at further integration of the European mortgage credit markets with the objective of enhancing EU growth, employment and competitiveness;
B. vzhledem k tomu, že jednotnější trh hypotečních úvěrů by umožnil efektivnější využití úspor z rozsahu, snížení nákladů, a tím by nakonec přinesl prospěch spotřebitelům a také podpořil rozvoj evropské ekonomiky, což by znamenalo další krok kupředu v dosahování lisabonských cílů,
B. whereas a more integrated mortgage credit market would enable economies of scale to be applied to more useful effect, reduce costs and hence, in the final analysis, benefit consumers, and would also boost the development of the European economy, thus marking a further step forward in attaining the Lisbon goals;
C. vzhledem k tomu, že otevřený, efektivní a integrovanější trh hypotečních úvěrů by reagoval na zvyšující se mobilitu pracovních sil a občanů na vnitřním trhu,
C. whereas an open, efficient and more integrated mortgage credit market would respond to the increasing mobility of labour and citizens within the internal market;
D. vzhledem k tomu, že ochrana evropských spotřebitelů musí být hlavním rysem jakéhokoli legislativního kroku týkajícího se hypotečních úvěrů, které pro většinu občanů EU představují největší celoživotní finanční závazek s dlouhodobým dopadem na jejich životní úroveň a finanční stabilitu,
D. whereas the protection of European consumers must be a paramount feature of any legislative action on mortgage credit, which for most EU citizens represents the biggest financial commitment in their lifetime, with long-term implications for their standard of living and financial stability;
E. vzhledem k tomu, že vyšší míra transparentnosti hlavních rysů hypotečních produktů, jež jsou k dispozici, nejen zlepší účinné fungování trhu, ale zvýší rovněž důvěru těch žadatelů o úvěry v EU, kteří uvažují o získání hypotečního úvěru v jiných členských státech, a umožní jim učinit informované rozhodnutí,
E. whereas enhanced transparency on key features concerning available mortgage products will not only improve market efficiency, but also increase the confidence of EU borrowers looking at mortgage credit deals in other Member States and enable them to take an informed decision;
F. vzhledem k tomu, že spotřebitelé musí mít přístup k nejúplnějším a nejjednodušším informacím, které jsou poskytovány v každém konkrétním případě na standardních formulářích a které jim umožní srovnání situace v různých členských státech, aby jim bylo umožněno uplatnit účinněji jejich svobodu volby při sjednávání hypotečního úvěru na přeshraničním základě,
F. whereas consumers need to have access to the fullest and simplest possible information, provided in each specific instance in standard forms lending themselves to comparative study in the different Member States, in order to enable them to exercise their freedom of choice more effectively when taking out mortgage credit on a cross-border basis;
G. vzhledem k tomu, že stále přetrvávají značné rozdíly mezi právními systémy a kulturou podnikání v členských státech, zejména pokud jde o ustanovení upravující oblasti, jež nespadají do působnosti právních předpisů EU (tj. postupy vymáhání práva, právní předpisy týkající se nemovitostí, katastry nemovitostí, smluvní podmínky atd.),
G. whereas significant differences still exist between Member States' legal systems and business cultures, in particular in relation to provisions regulating areas not covered by EU legislation such as enforcement procedures, property legislation, land registers, contract terms and so on;
H. vzhledem k tomu, že zvýšení nabídky přeshraničních hypotečních úvěrů, která tvoří méně než 1 % celkového trhu hypotečních úvěrů v EU, doposud bránily nemalé překážky,
H. whereas considerable market barriers have so far hindered the increase of cross-border mortgage credit offers, so far amounting to less than 1% of the overall EU mortgage market;
I. vzhledem k tomu, že zprostředkovatelé hypotečních úvěrů mohou hrát důležitou roli tím, že využijí svých odborných znalostí a zkušeností s hypotečními produkty na domácích trzích i na trzích jiných členských států a podpoří přeshraniční činnost a budou působit jako spojovací článek mezi spotřebiteli a zahraničními i místními finančními institucemi,
I. whereas mortgage brokers can play an important role, drawing on their expertise with mortgage products on their domestic market but also across markets in other Member States, supporting cross-border activity and acting as a bridge between consumers and both foreign and local financial institutions;
J. vzhledem k tomu – a v zájmu efektivnějšího a konkurenceschopnějšího trhu hypotečních úvěrů v EU – se jeví jako vhodné nejprve zvážit zavedení a uplatňování doporučení Komise ze dne 1. března 2001, jež pojednává o poskytování předsmluvních informací spotřebitelům ze strany poskytovatelů úvěrů, kteří nabízejí půjčky na bydlení
J. whereas, in order to bring more efficiency and competitiveness to the EU mortgage credit market, it may be preferable to look first at the implementation and working of the Commission recommendation of 1 March 2001 on pre-contractual information to be given to consumers by lenders offering home loans
L 69, 10.3.2001, s. 25. (kodex chování týkající se půjček na bydlení), a využívání evropského standardizovaného informačního přehledu (ESIS) s cílem zajistit, aby spotřebitelé získali transparentní a srovnatelné informace o půjčkách na bydlení,
25. (code of conduct on housing loans) and the use of the European Standardised Information Sheet (ESIS), aiming to ensure that consumers obtain transparent and comparable information on housing loans;
K. vzhledem k tomu, že se ukazuje, že kodex chování týkající se půjček na bydlení byl uplatňován v řadě členských států s různou mírou úspěšnosti, ale nepodařilo se jím vyřešit celkový problém spočívající v chybějícím společném právním rámci,
K. whereas the above mentioned code of conduct on housing loans appears to have been implemented with varying degrees of success across Member States, yet without solving the overall problem of the lack of a common legal framework;
5. vyzývá k postupům vedoucím k harmonizaci ustanovení o předsmluvních informacích, jež zájemce potřebuje k přijetí informovaného rozhodnutí o smlouvě o hypotečním úvěru, kterou se chystá podepsat;
Calls for moves towards harmonisation of provisions on pre-contractual information, which are necessary to enable the borrower to take an informed decision on the mortgage contract he/she is about to sign;
8. varuje Komisi, že pokusy o harmonizaci produktů samých by mohly vést k právní neslučitelnosti, což by mělo negativní dopad na daný sektor;
Cautions the Commission that attempts to harmonize products themselves might lead to legal inconsistencies and thus produce a negative impact on the sector;
10. domnívá se, že kromě poskytnutí přesných informací o roční úrokové sazbě (APR) musí poskytovatel úvěru uvést informace o všech ostatních typech poplatků nebo nákladů, jež mohou vyplynout z jeho činností, například výdaje na přezkoumání žádosti, závazkové provize, poplatky za předčasné splacení celé půjčky nebo její části atd.;
Believes that in addition to providing exact information on the Annual Percentage Rate (APR), the lender must provide information on any other types of charges or costs likely to arise from its activities, for example the expenses incurred in examining an application, commitment fees, fees for early repayment in full or in part and so on;
17. vítá dosavadní úsilí Komise, které vynaložila na to, aby lépe plnila předepsané požadavky; připomíná však Komisi, že všechny závěry, kterých bylo dosaženo, by měly být vždy výsledkem rozsáhlého procesu konzultací;
Welcomes the Commission's efforts to date to comply with better regulation requirements; however, reminds the Commission that any conclusions reached should always be the result of an extensive consultation process;
Zelená kniha – Hypoteční úvěr v EU
Green Paper on mortgage credit
Charlotte Cederschiöld, Janelly Fourtou, Evelyne Gebhardt, Malcolm Harbour, Anna Hedh, Kurt Lechner, Arlene McCarthy, Toine Manders, Manuel Medina Ortega, Béatrice Patrie, Zita Pleštinská, Giovanni Rivera, Zuzana Roithová, Luisa Fernanda Rudi Ubeda, Heide Rühle, Andreas Schwab, József Szájer, Marianne Thyssen, Jacques Toubon, Bernadette Vergnaud, Glenis Willmott
Charlotte Cederschiöld, Janelly Fourtou, Evelyne Gebhardt, Malcolm Harbour, Anna Hedh, Kurt Lechner, Arlene McCarthy, Toine Manders, Manuel Medina Ortega, Béatrice Patrie, Zita Pleštinská, Giovanni Rivera, Zuzana Roithová, Luisa Fernanda Rudi Ubeda, Heide Rühle, Andreas Schwab, József Szájer, Marianne Thyssen, Jacques Toubon, Bernadette Vergnaud, Glenis Willmott
Sharon Bowles, Den Dover, Harald Ettl, John Purvis
Sharon Bowles, Den Dover, Harald Ettl, John Purvis
Výbor pro právní záležitosti vyzývá Hospodářský a měnový výbor jako příslušný výbor, aby do svého návrhu usnesení začlenil tyto návrhy:
The Committee on Legal Affairs calls on the Committee on Economic and Monetary Affairs, as the committee responsible, to incorporate the following suggestions in its motion for a resolution:
A. vzhledem k tomu, že trhy s hypotečními úvěry jsou mimořádně složité a že se právní systémy a způsoby financování a dále systém pozemkových a katastrálních úřadů, věcné právo, úvěrové smlouvy, otázky oceňování nemovitostí, právo zabývající se soudní dražbou, trhy refinancování apod. mezi jednotlivými zeměmi velmi liší a zároveň mezi těmito oblastmi existuje vnitřní spojitost,
A. whereas mortgage credit markets display an extremely high degree of complexity; whereas legal systems and financing cultures, property law and land register systems, law of rights in rem, law governing credit agreements, valuation issues, forced sales procedures, refinancing markets, etc. differ considerably from one country to another while at the same time an internal coherence exists among the various fields,
B. vzhledem k tomu, že v řadě důležitých otázek nemá Společenství žádnou nebo jen omezenou pravomoc a že je nutno zachovávat zásadu subsidiarity a proporcionality,
B. whereas on a number of important issues the Community has no competence, or only a limited competence, and whereas the principles of subsidiarity and proportionality must be respected,
C. vzhledem k tomu, že ojedinělá opatření mohou vést ke značnému narušení v celkovém systému, který by měl národní rysy,
C. whereas regulating one area in isolation may lead to considerable disruption in the overall system with its distinctive national features,
D. vzhledem k tomu, že vysokou zákonodárnou flexibilitu nutnou pro inovativní trhy s hypotečními úvěry by bylo možno lépe zajistit na vnitrostátní úrovni,
D. whereas the high degree of legislative flexibility required by the innovative mortgage credit market can be better guaranteed at national level,
4. má za to, že harmonizace právních předpisů v oblasti předčasného splácení úvěrů ohrožuje bohatost nabídky produktů a neslouží zájmům spotřebitelů;
Considers that the approximation of the legal provisions on early repayment would jeopardise product diversity and would not serve the interests of the consumer;
6. sdílí názor, že otázce práva použitelného na hypoteční úvěry je zapotřebí se věnovat v rámci přepracování Římské úmluvy o právu rozhodném pro smluvní závazkové vztahy z roku 1980;
Agrees that the issue of the law applicable to mortgage credit contracts should be addressed within the context of the revision of the 1980 Rome Convention on the law applicable to contractual obligations;
Hypoteční úvěr v EU (Zelená kniha)
Mortgage Credit in the EU (Green Paper)
Kurt Lechner 30.1.2006
Kurt Lechner 30.1.2006
Hypoteční úvěr v EU
Mortgage Credit in the EU
EMPL 14.9.2005
EMPL 14.9.2005
Christopher Heaton-Harris, Luis Herrero-Tejedor
Christopher Heaton-Harris, Luis Herrero-Tejedor
o návrhu rozhodnutí Rady, týkajícího se specifického programu Kapacity, kterým se provádí sedmý rámcový program (2007–2013) Evropského společenství pro výzkum, technický rozvoj a demonstrace
on the proposal for a Council decision on the Specific Programme: "Capacities" implementing the 7th Framework Programme (2007-2013) of the European Community for research, technological development and demonstration activities
PE 368.077v02-00
PE 368.077v02-00
VYSVĚTLUJÍCÍ PROHLÁŠENÍ..............................................................................................40
EXPLANATORY STATEMENT..............................................................................................39
STANOVISKO Rozpočtového výboru .......................................................................44
OPINION of the Committee on Budgets .................................................................43
STANOVISKO Výboru pro kulturu a vzdělávání ..............................................50
OPINION of the Committee on Culture and Education ................................49
– s ohledem na návrh Komise předložený Radě ( KOM(2005)0443 )
– having regard to the Commission proposal to the Council ( COM(2005)0443 )