natgillin/translations-raw huggingface dataset:
stock of household investment loans stock of other household loans stock of corporate loans 
majapidamiste investeerimislaenude jääk majapidamiste muude laenude jääk ettevõtete laenujääk
stock of household investment loans stock of other household loans 
majapidamiste investeerimislaenude jääk majapidamiste muude laenude jääk
household investment corporate investment government investment total investment 
majapidamiste investeeringud ettevõtete investeeringud valitsussektori investeeringud investeeringud kokku
Household investment has, in line with the spring forecast, reached its growth peak. 
Majapidamiste investeeringud on vastavalt kevadprognoosile saavutanud praeguseks kasvulae.
household investment 
majapidamiste investeeringud
Despite the high comparison base, real household investment growth has not yet exhausted its potential. 
Majapidamiste investeeringute reaalkasv ei ole vaatamata kõrgele võrdlusbaasile veel oma kasvupotentsiaali ammendanud.
The capability of households and companies to withstand long-term risks, however, has deteriorated due to the rising debt burden. 
Majapidamiste ja ettevõtete pikaajaline riskitalumis- võime on aga võlakoormuse kasvades nõrgenenud.
The financial position of ever more households has been improved by developments in the labour market, which have favoured households (see Figure 3.1.3). 
Majapidamiste jaoks positiivne tööturu areng on hakanud parandama järjest enamate majapidamiste finantsolukorda (vt joonis 3.1.3).
Developments in the labour market have been positive for households and have increased their incomes and confidence, which has let them increase their consumption and investment. 
Majapidamiste jaoks positiivne tööturu areng on suurendanud nende sissetulekuid ja kindlustunnet, mille toel on kasvanud ka majapidamiste tarbimine ja investeeringud.
With support from the favourable labour market and wage trends, the financial position of households improved further in the third quarter of 2013 and buffers increased (see Figure 2.3.5). 
Majapidamiste jaoks soodsa tööturu- ja palgaarengu toel paranes 2013. aasta kolmandas kvartalis nende finantspositsioon veelgi ja puhvrid suurenesid (vt joonis 2.3.5).
If households are guided by excessive optimism in their expectations for prices, then they could face unmanageably large debts and falling asset prices if demand levels off followed by a fall in real estate prices. 
Majapidamiste jaoks tähendaks optimistlikest hinnaootustest juhindumine siiski võimalikku ülemäärast laenukohustust ja vara väärtuse vähenemist, kui nõudluse raugemisele järgneb kinnisvara hinna langus.
The rise in the disposable income of households has not slowed down yet; the situation is rather opposite. 
Majapidamiste kasutatava tulu kasv pole veel aeglustunud, pigem vastupidi.
Household saving 
Majapidamiste kasvanud säästmine
Household confidence indicators and domestic consumption 
Majapidamiste kindlustunde indikaatorid ja sisetarbimine
Household confidence indicators 
Majapidamiste kindlustunde indikaatorid
In the second half of 2007, household confidence started to weaken rapidly and continued to decline also at the beginning of 2008 (see Figure 11). 
Majapidamiste kindlustunne hakkas 2007. aasta teisel poolel kiiresti kahanema ning see jätkus 2008. aasta alguses (vt joonis 11).
Households’ confidence and expectations of the future have improved alongside the economic recovery. 
Majapidamiste kindlustunne ja ootused edasise arengu suhtes on tänu majanduse elavnemisele paranenud.
Household confidence has been weakening since the middle of 2007, increasingly affecting also loan demand. 
Majapidamiste kindlustunne on alates 2007. aasta keskpaigast nõrgenenud, mõjutades üha enam ka laenunõudlust.
Household confidence reached a historical low at the end of the third quarter of 2008. 
Majapidamiste kindlustunne saavutas 2008. aasta III kvartali lõpus seni fikseeritust madalaima taseme.
The confidence of households dropped to a historical low8 in March, showing signs of recovery thereafter. 
Majapidamiste kindlustunne saavutas oma kõigi aegade madalaima taseme8 märtsis ning hakkas seejärel näitama mõningaid taastumise märke.
Household confidence depends on the labour market and the outlook for incomes and because of the high debt levels of households, then possibly also on house price movements. 
Majapidamiste kindlustunne sõltub aga tööturu ja sissetulekute väljavaadetest ning majapidamiste kõrge võlataseme tõttu, võimalik, et ka kinnisvara hindade arengust.
The growth rate of domestic deposits has remained at 12% throughout 2008 and the trends that began in the second half of 2007 have continued (see Figure 15). 
Majapidamiste kodumaiste hoiuste kasvutempo on 2008. aastal olnud stabiilselt 12% tasemel ning jätkunud on 2007. aasta teises pooles alguse saanud trendid (vt joonis 15).
Household spending on residential property and real estate investment has been boosted by rapid growth in incomes. 
Majapidamiste kulutusi eluasemele ja kinnisvarainvesteeringutele hoogustab sissetulekute kiire kasv.
Households’ quarterly interest payments to banks and leasing companies have been increasing since 2004. 
Majapidamiste kvartaalsed intressimaksed pankadele ja liisinguettevõtetele on alates 2004. aastast näidanud kindlat kasvutrendi.
Household borrowing continued to grow quite fast in the third quarter. 
Majapidamiste laenamine jätkas kolmandas kvartalis üsna hoogsat kasvu.
The year-on-year growth of households’ loans and leasing started to decelerate after reaching the record level of 62.4% in March 2006. 
Majapidamiste laenu ja liisingu aastakasv hakkas aeglustuma pärast rekordilise 62,4% taseme saavutamist 2006. aasta märtsis.
Households’ loan and leasing growth reached a record level (62.4%) in March 2006 and remained over 60% until late September (see Figure 2.15). 
Majapidamiste laenu ja liisingu aastakasv jõudis rekordilise näitajani (62,4%) 2006. aasta märtsis ning püsis seejärel üle 60% kuni septembri lõpuni (vt joonis 2.15).
Households’ loan and leasing interest payments during a year, interest rates on 
Majapidamiste laenu ja liisingu intressimaksed aasta jooksul, väljastatud laenude
Households’ stock of loans and leasing increased by 7.4 billion and deposits by 3.0 billion kroons in the first quarter of 2007. 
Majapidamiste laenu- ja liisingujääk suurenes 2007. aasta I kvartalis 7,4 mld krooni võrra ja hoiused kasvasid 3,0 mld krooni võrra.
Households’ loan repayment ability has been supported by the lower interest burden arising from the decrease in the Euribor. 
Majapidamiste laenu tagasimaksmise võimet mõjutab positiivselt EURIBORi alanemisest tulenev intressikoormuse vähenemine.
Household borrowing has increased moderately while the economy has improved and the labour market has been favourable. 
Majapidamiste laenuaktiivsus on majanduse paranenud olukorra ning tööturu positiivse arengu toel mõõdukalt suurenenud.
Household borrowing has grown at a moderate speed. 
Majapidamiste laenuaktiivsus on mõõdukalt kasvanud.
Households continue to borrow somewhat more actively and the housing loan portfolio is still growing slightly. 
Majapidamiste laenuaktiivsus püsib mõnevõrra suurem ja eluasemelaenude portfell endiselt veidi kasvab.
Household borrowing activity remains relatively modest despite the improved circumstances (see Figure 3.7). 
Majapidamiste laenuaktiivsus püsib vaatamata paranenud konjunktuurile suhteliselt mõõdukas (vt joonis 3.7).
household loans (left scale) corporate loans (left scale) annual growth (right scale) 
majapidamiste laenud (vasak telg) ettevõtete laenud (vasak telg) aastakasv (parem telg)
household loans corporate loans 6-month Euribor 
majapidamiste laenud ettevõtete laenud 6 kuu EURIBOR
Future developments in household loan stock will primarily be shaped by the situation in the housing market. 
Majapidamiste laenude edasist arengut kujundab eelkõige eluasemeturul toimuv.
The dynamics of household loans and deposits in the last few months indicates a 
Majapidamiste laenude ja hoiuste viimaste kuude areng viitab finantspositsiooni jätkuvale paranemisele.
The year-on-year loan and leasing growth of households has been accelerating since the beginning of 2005. 
Majapidamiste laenude ja liisingu aastakasv on alates 2005. aasta algusest pidevalt kiirenenud.
Annual growth of domestic credit to the household sector 
Majapidamiste laenude ja liisingu aastakasv
The cost and availability of household loans 
Majapidamiste laenude kättesaadavus ja hind
The share of household loans in the portfolio is rising constantly owing to the long maturities of housing loans. 
Majapidamiste laenude osakaal portfellis kasvab pidevalt eluasemelaenude pika tähtaja tõttu.
The fairly good quality of household loans shows that no major problems have occurred with loan servicing as yet. 
Majapidamiste laenude suhteliselt hea kvaliteet annab tunnistust sellest, et laenuteenindamisega esialgu suuremaid probleeme esinenud ei ole.
Households’ debt stock by maturityv 
Majapidamiste laenujääk tähtajati
Household Credit Growth: Factors and Conditions 
Majapidamiste laenukasvu tegurid ja tingimused
The loan liabilities of households increased last year at the same rate as incomes, but a little more slowly than savings. 
Majapidamiste laenukohustused kasvasid mullu sama kiiresti kui sissetulekud, kuid pisut aeglasemalt kui säästud.
The total volume of household debt liabilities was 0.5% higher in the third quarter of 2012 than in the previous quarter. 
Majapidamiste laenukohustuste maht kasvas 2012. aasta kolmandas kvartalis võrreldes eelmise kvartaliga 0,5%.
Household loan obligations have increased slightly in volume since the start of last year, but household indebtedness continued to fall as incomes rose more rapidly (see Figure 2.3.4). 
Majapidamiste laenukohustuste maht on alates möödunud aasta algusest tasapisi suurenenud, nende võlakoormus jätkas aga tänu sissetulekute kiiremale kasvule kahanemist (vt joonis 2.3.4).
The decline in household loan obligations is stopping, though household indebtedness continued to fall as incomes rose (see Figure 2.3.5) 
Majapidamiste laenukohustuste mahu kahanemine on peatumas, kuid nende võlakoormus jätkas tänu sissetulekute kasvule vähenemist (vt joonis 2.3.5).
Household credit growth has slowed significantly, which indicates lower confidence but also more conservative loan terms. 
Majapidamiste laenumahu kasv on tublisti aeglustunud, mis lisaks kindlustunde vähenemisele kajastab ka pankade konservatiivsemat laenupoliitikat.
Household credit growth has remained fast, even though the housing market has been cooling down and the number of housing loan customers has started to decrease. 
Majapidamiste laenumahu kasv püsib kiire, kuigi eluasemeturg on jahenenud ning eluasemelaenu on hakatud vähem võtma.
The growth peak of the loan volume apparently remained in the second half of 2006. 
Majapidamiste laenumahu kasvu haripunkt tundub olevat jäänud 2006. aasta teise poolde.
Household credit growth is declining owing to the exhaustion of the number of potential borrowers, and the volume of corporate loans is falling back as the number of real estate development projects is decreasing. 
Majapidamiste laenumahu kasvukiiruse alanemise põhjuseks on potentsiaalsete laenuvõtjate hulga ammendumine, ettevõtete laenude puhul aga kinnisvara arendusprojektide vähenemine.
The ability of households to repay their loans remains good and is supported by rapid growth in incomes 
Majapidamiste laenumaksevõime püsib hea, seda toetab sissetulekute kiire kasv
The relatively generous social insurance systems in the Nordic countries and the large financial buffers of households will help alleviate the loan repayment risks of households. 
Majapidamiste laenumaksevõime riske aitavad leevendada Põhjamaade suhteliselt helde sotsiaalk indlustussüsteem ja majapidamiste suured finantsp uhvrid.
The loan repayment ability of households is affected by developments in the labour market. 
majapidamiste laenumaksevõimet mõjutab tööturu areng.
The loan repayment ability of households largely depends on the terms and conditions of their loan contracts. 
Majapidamiste laenumaksevõimet mõjutavad oluliselt tingimused, millega laenuleping on sõlmitud.
Household credit demand will continue to increase in the coming years, but the loan stock will grow only moderately. 
Majapidamiste laenunõudlus jätkab suurenemist ka järgmistel aastatel, kuid laenujäägi kasv jääb mõõdukaks.
Demand from households for loans increased, demand from companies remained the same 
Majapidamiste laenunõudlus kasvas, ettevõtete oma püsis sama
Household credit demand was extremely low in 2009 ; transactions with major financing practically came to a standstill. 
majapidamiste laenunõudlus oli 2009. aastal ülimadal ning suuremat finantseerimist vajavate tehingute tegemisel valitses justkui seisak.
Demand for loans from households has increased however, as the group of lenders is smaller than in the corporate loan market, making it more possible to raise interest margins. 
Majapidamiste laenunõudlus on aga suurenenud ning pakkujate ring on väiksem kui ettevõtete laenuturul, mistõttu on võimalus intressimarginaali tõsta ka suurem.
household loan demand 
Majapidamiste laenunõudlus
This demand may also be affected by expectations that the relatively rapid rise in real estate prices will continue. 
Majapidamiste laenunõudlust võib mõjutada ka ootus, et kinnisvara hindade suhteliselt kiire kasv jätkub.
The household loan portfolio continued to grow steadily, increasing by 2.3% over the year to around 7.5 billion euros. 
Majapidamiste laenuportfell jätkas mõõdukat kasvu, suurenedes aastaga 2,3%, ligikaudu 7,5 miljardi euroni.
Households’ loan portfolio is still exposed to interest rate risks, as loans with floating interest rate continue to hold the largest share in the total loan stock. 
Majapidamiste laenuportfell on siiski valdavalt intressiriskile avatud, kuivõrd ujuva intressimääraga laenude osakaal on endiselt kõige suurem.
The ability of households to service their loans remained good. 
Majapidamiste laenuteenindamise võime püsis hea.
Households' Loan-Servicing Ability 
Majapidamiste laenuteenindamise võime
Households' loan servicing ability and risks 
Majapidamiste laenuteenindamisvõime ja riskid
The final consumption expenditure of households is forecast to grow by 4.8% in 2013 and this will be the main factor contributing to domestic demand growth. 
Majapidamiste lõpptarbimine kasvab prognoosi kohaselt 2013. aastal 4,8% ning annab sisenõudluse kasvu suurima panuse.
household final consumption expenditure (yo-y growth; left scale) 
majapidamiste lõpptarbimiskulutuste kasv (a/a, vasak telg)
The economic circumstances of households improved in 2014 as developments in the labour market proved favourable. 
Majapidamiste majanduslik olukord 2014. aastal tööturu positiivse arengu toel paranes.
Economic situation Financial position and saving Debt and loan repayment ability 
Majapidamiste majanduslik olukord Majapidamiste finantspositsioon ja säästmine Majapidamiste võlg ja laenu tagasimaksmise võime
Economic situation of households Financial position and saving Household debt and loan-servicing capability 
Majapidamiste majanduslik olukord Majapidamiste finantspositsioon ja säästmine Majapidamiste võlg ja laenuteenindamisvõime
Economic situation of households 
Majapidamiste majanduslik olukord
Rapid acceleration of debt growth brought about an increase in corporate debt. 
Majapidamiste majandusliku olukorra paranemine tõi kaasa nii säästu- kui ka laenuvõime suurenemise.
Interest paid by households amounted to 2.4% of disposable income in the euro area, and 6.6% in Estonia. 
Majapidamiste makstud intressid moodustasid euroalal kasutatavast tulust 2,4%, Eestis aga 6,6%.
No significant changes occurred in the growth trends of other household loans (except for real estate loans). 
Majapidamiste muude laenude (v.a kinnisvaralaenud) kasvutrendides olulisi muutusi ei toimunud.
The volume of other loans to households did not change significantly over the year. 
Majapidamiste muude laenude käive aastavõrdluses eriti ei muutunud.
The total volume of other household loans was almost the same at the end of last year as it was at the start of the year, but the structure of the portfolio changed continuously. 
Majapidamiste muude laenude maht oli aasta lõpus peaaegu sama suur kui aasta alguses, kuid portfelli struktuur jätkuvalt muutus.
The portfolio of other household loans 
Majapidamiste muude laenude portfell
The structure of the portfolio of other household loans has changed to an extent as the share of leases has increased steadily. 
Majapidamiste muude laenude portfelli struktuur on mõnevõrra muutunud: liisingu osakaal järjest suureneb.
The deposits of households and small and medium-sized enterprises are also considered more stable than sources like wholesale funding; 
Majapidamiste ning väikeste ja keskmise suurusega ettevõtete hoiuseid peetakse samuti stabiilsemaks kui näiteks hulgirahastamist;
Increase of the demand of households financed to a large extent with the help of the growth of loan burden that was enabled thanks to the lowest interest rates ever in the years 2004-2006, which originated from both the impact of global factors and the decrease of the country risk accompanying the accession of Estonia to the EU and the fall of risk premium; 
majapidamiste nõudluse kasv rahastatuna suures osas laenukoormuse kasvu abil, mida võimaldasid kõigi aegade madalaimad intressimäärad aastatel 2004-2006, mis tulenesid nii globaalsete tegurite mõjust kui ka Eesti EL-iga ühinemisega kaasnenud maariski vähenemisest ja riskipreemia langusest;
The value of shares and other equities held by households also continued to increase, though lower corporate profits and a halt in the rise in equity values slowed the increase significantly. 
Majapidamiste omanduses olevate aktsiate ja muude osakute väärtus jätkas samuti suurenemist, kuid ettevõtete kasumite vähenemise ja omakapitali kasvu peatumise tõttu aeglustus nende kasv märgatavalt.
In addition to the strong housing loan demand, households’ optimism for the future is also reflected in the considerably increased volume of consumer credit. 
Majapidamiste optimism tuleviku suhtes kajastub lisaks tugevale eluasemelaenunõudlusele ka järsult suurenenud tarbimislaenude mahus.
The improvement in the purchasing power of households was shown in the broad-based growth of retail sales, which reached 6% in the fourth quarter of 2014. 
Majapidamiste ostujõu paranemine avaldus jae-müügi laiapõhjalises kasvus, mis ulatus 2014. aasta neljandas kvartalis 6%ni.
The purchasing power of households is increasing. 
Majapidamiste ostujõud kasvab.
The purchasing power of households in the real estate market has remained relatively good despite the rise in prices (see Figure 1B.4). 
Majapidamiste ostujõud kinnisvaraturul püsib vaatamata kiirenenud kinnisvarahindade kasvule suhteliselt hea (vt joonis 1T.4).
Expected purchases by households 
Majapidamiste ostuprognoos
The positive net financial position of households declined also in the second half of 2007. 
Majapidamiste positiivne netofinantspositsioon kahanes ka 2007. aasta teisel poolel.
For households, the key factor will be an acceleration in wage growth and a fall in unemployment, which will boost incomes and improve the ability to pay. 
Majapidamiste puhul mängib olulist rolli palgakasvu kiirenemine ja tööpuuduse vähenemine, mille mõjul sissetulekud suurenevad ja maksevõime paraneb.
As regards households, the risk of job loss, which has already slightly materialised in some sectors, has become more serious. 
Majapidamiste puhul on kasvanud ka töökoha kaotamise oht, mis mõnes sektoris on väheses ulatuses juba realiseerunud.
The financial savings of households are increasing, though somewhat more slowly than before. 
Majapidamiste rahalised säästud kasvavad, kuid mõnevõrra aeglasemalt kui varem.
Growth in household monetary savings has slowed slightly as consumption and investment have picked up. 
Majapidamiste rahaliste säästude kasv on veidi aeglustunud, kuna tarbimine ja investeerimine on suurenenud.
Higher incomes have increased the ability of households to save and not all of the increase in resources has been directed into consumption. 
Majapidamiste säästmisvõime on tänu sissetulekute kasvule paranenud ja kõiki lisandunud vahendeid ei ole suunatud tarbimisse.
Household savings and investment 
Majapidamiste säästud ja investeeringud
The savings of households continued to increase faster than their debt liabilities 
Majapidamiste säästud kasvasid endiselt kiiremini kui laenukohustused
household saving rate (% of disposal income) 
majapidamiste säästumäär (% kasutatavast tulust)
In the household sector both the housing loan market and the market for leases for new cars picked up, while the volume of other loans grew moderately. 
Majapidamiste sektoris elavnesid nii eluasemelaenuturg kui ka sõiduautode liisingu uusmüük, muude laenude maht kasvas mõõdukalt.
Household incomes were raised by the favourable conditions in the labour market and by rapid wage growth. 
Majapidamiste sissetulekud kasvasid tööturu soodsa olukorra ja tempoka palgakasvu toel.
Incomes of households decreased and unemployment increased. 
Majapidamiste sissetulekud langesid ja tööpuudus suurenes.
Household incomes, consumption and investments are growing. 
Majapidamiste sissetulekud, tarbimine ja investeeringud kasvavad.
The dynamics of household incomes, which are strongly correlated with labour market movements, are a key determinant of the loan repayment ability of households. 
Majapidamiste sissetulekute areng, mis on tugevalt seotud tööturu arenguga, on üks olulisemaid majapidamiste võlakohustuste täitmise võimet mõjutavaid tegureid.
At the same time, growth in household incomes and in activity in the housing market backed by low interest rates has boosted borrowing for housing. 
Majapidamiste sissetulekute ja eluasemeturu aktiivsuse kasv on samal ajal madalate intressimäärade toel hoogustanud eluasemelaenude võtmist.
Households’ increasing income and stronger confidence in maintaining it stepped up consumption at the beginning of the year. 
Majapidamiste sissetulekute kasv ja paranenud kindlus sissetulekute püsimise suhtes suurendasid aasta alguses tarbimist.
The rapid shrinkage in household income has come to an end. 
Majapidamiste sissetulekute kiire alanemine on lõppenud.
The risks related to household incomes are lower, as the labour market situation has improved. 
Majapidamiste sissetulekutega seotud riskid on madalamad, kuna tööturu olukord on paranenud.
Cash and deposits covered 75% of total household debt, which was 5 percentage points more than a year before. 
Majapidamiste sularaha ja hoiustega oli kaetud 75% nende koguvõlast ehk 5 protsendipunkti enam kui aasta tagasi.
Cash and deposits covered 75% of total household debt at the end of the third quarter, which was 5 percentage points more than in 2012. 
Majapidamiste sularaha ja hoiustega oli kolmanda kvartali lõpu seisuga kaetud 75% nende koguvõlast ehk 5 protsendipunkti rohkem kui 2012. aastal.
High household debt levels would put further pressure on the balance sheets of households. 
Majapidamiste suur võlakoormus avaldab lisasurvet majapidamiste bilanssidele.
Household consumption has grown faster than forecast though, which has compensated for the weak external demand. 
Majapidamiste tarbimise kasv on aga olnud prognoositust kiirem ja tasakaalustanud kesist välisnõudlust.
Demand for consumer credit will recover upon the restoration of higher confidence, which in turn depends on the reversal of the current trends in wages and unemployment. 
Majapidamiste tarbimislaenude nõudlus hakkab suurenema kindlustunde taastudes, mida mõjutab palgalanguse peatumine ja tööpuuduse kasvu aeglustumine.
It is noticeable with household consumer loans that more and more instalment loans are being taken directly from shops and not from banks. 
Majapidamiste tarbimislaenude puhul on märgata, et järelmaksu kasutatakse üha enam mitte panga vahendusel, vaid otse kauplusest.