natgillin/translations-raw huggingface dataset:
While the portfolio of housing loans continued to see positive growth in November, the annual growth rate for consumption loans in the euro area as a whole has been negative since the second half of 2009. 
Eluasemelaenude portfelli aastakasv oli novembris jätkuvalt positiivne, kuid tarbimislaenude aastakasv on euroalal tervikuna olnud juba 2009. aasta teisest poolest negatiivne.
The housing loan portfolio has stopped shrinking as household borrowing has picked up and the housing market has recovered, and by the end of August it had reached the same level of 5.8 billion euros as a year earlier. 
Eluasemelaenude portfelli kahanemine on majapidamiste suurenenud laenuaktiivsuse ning eluasemeturu elavnemise taustal peatunud ning jäi augusti lõpu seisuga aastatagusele, 5,8 miljardi euro tasemele.
The index for lending conditions was not statistically significant for housing loans, but the level of credit demand and changes in it did have a significant effect on growth in housing loans. 
Eluasemelaenude puhul ei osutunud laenustandardite näitajad statistiliselt oluliseks, seevastu laenunõudluse muutusel ja tasemel on eluasemelaenude kasvule olnud oluline mõju.
The share of kroon loans in total housing loans has remained small. 
Eluasemelaenude puhul on kroonilaenude osakaal jäänud väikseks.
The growth rate of housing loans is expected to stabilise, as a further extension of loan maturities is not very likely, interest rates are on the rise, and the number of potential housing loan borrowers has considerably declined. 
Eluasemelaenude puhul on oodata kasvukiiruse stabiliseerumist, sest laenutähtaegade veelgi pikemaks muutmine pole kuigi tõenäoline, intressimäärad tõusevad ning potentsiaalsete kinnisvaralaenuvõtja- te arv on oluliselt vähenenud.
As far as housing loans are concerned, the share of loans overdue for more than 60 days is much lower but has also witnessed a considerable increase this year. 
Eluasemelaenude puhul on üle 60 päeva viivises olevate laenude osakaal märgatavalt madalam, kuid on samuti viimase aasta jooksul tublisti kasvanud.
real interest rate on housing loans 25% loans in euro 50% loans in euro 
eluasemelaenude reaalne intressimäär 25% laenudest euros 50% laenudest euros
As a result, the capital buffers of banks increased and risks related to the financial sector decreased. 
Eluasemelaenude riskikaalu tõstmise tulemusena suurenesid pankade kapitalipuhvrid ning vähenesid finantssektoriga seotud riskid.
The guaranteeing of housing loans continued at the volume of the previous year. 
Eluasemelaenude tagaminejätkus eelmise aastaga võrreldavas mahus.
In 2003, KredEx plans to issue housing loan guarantees to the amount of 238 million kroons. 
Eluasemelaenude tagatisi on KredExil 2003. aastal plaanis välja anda 238 miljoni krooni ulatuses.
Banks authorised to issue guarantees on behalf of KredEx keep records of guarantee fees of housing loans. 
Eluasemelaenude tagatistasude üle peavad arvestust pangad, kes on volitatud KredExi nimel tagatisi välja andma.
There were no additional provisions for housing loan guarantees. 
Eluasemelaenude tagatiste osas täiendavaid eraldisi ei tehtud.
One of the reasons behind shorter maturities is the lower price of real estate. 
Eluasemelaenude tähtaja lühenemise üks põhjus on kindlasti kinnisvara madalam hind.
Maturities for housing loans are generally set by the market and there are usually no maximum limits on them. 
Eluasemelaenude tähtajad kujunevad üldjuhul laenuturul ning maksimaalsele laenutähtajale piiranguid ei seata.
Maturities on housing loans 
Eluasemelaenude tähtajad
As conditions for housing loans have become severe, payment risks have increased and value of collaterals in banks has dropped, volumes of housing loan guarantees have increased compared to the previous year - housing loan guarantees have been issued by 54 million kroons more. 
Eluasemelaenude tingimuste karmistumine, makseriskide suurenemine ja tagatiste väärtuse langemine pankades on tõstnud eluasemelaenude käenduste mahte võrreldes eelmise aastaga - kokku on eluasemelaenukäendusi võrreldes eelmise aastaga väljastatud 54 mln krooni rohkem.
Housing market developments are mostly dependent on two factors: the annual depreciation of housing loans and price changes in the real estate market. 
Eluasemelaenude turu arengut mõjutavad peamiselt eluasemelaenude aastane amortisatsioon ja hinnamuutused kinnisvaraturul.
Increase of activity is expected in the market of housing loans, as well as a significant growth of financing volumes connected with energy saving of apartment buildings. 
Eluasemelaenude turul on oodata elavnemist ning korterelamute energiasäästuga seotud finantseerimismahtude märkimisväärset kasvu.
The requirements regulating the issuing of housing loans are intended to strengthen the resilience of borrowers and lenders against unfavourable economic developments, and to limit excessive credit growth in the growth phase of the credit cycle and in turn contain the increase in real estate prices. 
Eluasemelaenude väljastamist reguleerivate nõuete eesmärk on suurendada laenusaajate ja -andjate vastupanuvõimet majanduse ebasoodsa arengu suhtes ning ohjata laenutsükli tõusufaasis liiga kiiret laenukasvu ja selle kaudu ka kinnisvara hindade tõusu.
Risks connected with housing loans are decreased by the fact that housing loans have primarily been taken by families with higher incomes, who are likely to manage the servicing of loans better during the recession. 
Eluasemelaenudega seotud riske vähendab küll asjaolu, et eluasemelaenu on võtnud eelkõige suurema sissetulekuga pered, kes tulevad laenu teenindamisega majanduslanguse ajal eeldatavasti paremini toime.
Out of housing loans, 9.2% (10.4% in 2010) were issued with KredEx guarantee, out of loans issued for enterprises 4% had a KredEx guarantee. 
Eluasemelaenudest väljastati KredExi käendusega 9,2% (2010. aastal 10,4%), ettevõtlusele väljastatud laenudest oli KredExi käendus 4%-l.
KredEx foresees a decrease in the issuing of housing loan guarantees compared to 2003 and is planning to issue guarantees in the amount of approximately 237 million kroons in 2004. 
Eluasemelaenutagatiste väljastamisel näeb KredEx kahanemist võrreldes aastaga 2003 ning kavatseb 2004. aastal käendusi välja anda ca 237 miljoni krooni ulatuses.
In comparison with year 2009, the number of housing loan guarantees issued in year 2010 is predicted to increase due to the activation of housing loan market. 
Eluasemelaenutagatiste väljastamisel on 2010. aastal seoses eluasemelaenuturu aktiviseerumisega ette näha tagatiste arvu suurenemist võrreldes 2009. aastaga.
In issuing of housing loan guarantees, in 2012 an increase in the number of guarantees compared to year 2011 is predicted due to the activation of the housing loan market. 
Eluasemelaenutagatiste väljastamisel on 2012. aastal seoses eluasemelaenuturu aktiviseerumisega ette näha tagatiste arvu suurenemist võrreldes 2011. aastaga.
The housing loan market has recovered more modestly than expected – in the first quarter, the amount of housing loans issued was just 4% larger than a year ago. 
Eluasemelaenuturg on taastunud oodatust tagasihoidlikumalt – eluasemelaene väljastati esimeses kvartalis aastatagusest vaid 4% rohkem.
Low interest rates have played a substantial role in the housing loan market activity (see Figure 2.17). 
Eluasemelaenuturu aktiivsuses on olulist rolli mänginud madalad laenuintressimäärad (vt joonis 2.17).
Housing loan markets have developed quite differently in different countries and therefore the differences in annual growth in housing loans between countries have been large. 
Eluasemelaenuturu areng on olnud riigiti siiski ebaühtlane, mistõttu on ka eluasemelaenude aastakasvu erinevused riigiti võrdlemisi suured.
In 2011, a household spent on average 47 euros per household member per month on housing, which accounted for 17% of total expenditure. 
Eluasemele kulus 2011. aastal leibkonnaliikme kohta keskmiselt 47 eurot kuus ehk 17% kogukuludest.
Expenditure on housing accounted for 50 euros, expenditure on transport – 29 euros, expenditure on recreation and culture – 25 euros, expenditure on household equipment and operation – 16 eurose xpenditure on clothing and footwear – 12 euros, and expenditure on health 10 euros per household member per month. 
Eluasemele kulus kuus 50, transpordile 29, vabale ajale 25, majapidamisele 16, rõivastele ja jalanõudele 12 ning tervishoiule 10 eurot leibkonnaliikme kohta.
In 2012, a household spent on average 51 euros per household member per month on housing, which represented 18% of total expenditure. 
Eluasemele kulus leibkondadel 2012. aastal keskmiselt 51 eurot leibkonnaliikme kohta kuus ehk 18% kogukuludest.
Return on Real Estate Used for Housing and Financial Assets 
Eluasemena kasutatava kinnisvara ja finantsvarade tootlus
The rise in prices for residential property has so far been in line with rising incomes and the growth in housing loans has remained moderate. 
Eluasemete hinna tõus on seni olnud kooskõlas majapidamiste sissetulekute suurenemisega ning eluasemelaenude kasv on jäänud mõõdukaks.
Large rises in sales prices and stable prices for construction have increased the profitability of real estate projects recently, meaning that residential construction has become more attractive. 
Eluasemete jõuline hinnakasv ja ehitushinna seiskunud kasv on suurendanud kinnisvaraprojektide kasumlikkust, mistõttu on elamuehitus muutunud atraktiivsemaks.
Housing supply does not currently match the increased demand and the shortfalls are most evident in the housing markets of large towns. 
Eluasemete pakkumine ei vasta praegu suurenenud nõudlusele ning selged defitsiidimärgid on eelkõige suurte linnade eluasemeturul.
Of funds provided for administration of housing grants, 141,129 euros were used (215,254 euros in 2010), for targeted financing of other operational expenses 750 euros. 
Eluasemetoetuste administreerimiseks ette nähtud vahenditest kasutati ära 141 129 eurot (2010. aastal 215 254 eurot), muude tegevuskulude sihtfinantseerimiseks 750 eurot.
Housing grants shall be continually issued according to amounts allocated from the state budget and conditions established. 
Eluasemetoetuste osas jätkatakse nende väljamaksmist vastavalt Riigieelarvest eraldatavatele summadele ja määratletud tingimustele.
In regard to housing grants, the payment shall be continued according to the amounts provided from the state budget and the terms defined. 
Eluasemetoetuste osas jätkatakse nende väljamaksmist vastavalt riigieelarvest eraldatavatele summadele ja määratletud tingimustele.
The housing market is slowly picking up again and confidence in the market is on the rise, as is shown by the fact that households are again purchasing apartments in houses that are still under construction. 
Eluasemeturg aktiveerub tasapisi ning usaldus turul tärkab taas – eraisikud on hakanud senisest enam soetama kortereid alles valmivates elamutes.
From now on, the housing market will be primarily shaped by demographic processes characteristic for a developed market and rely on the amendment of living conditions, which is made possible by increasing incomes. 
Eluasemeturg hakkab arenema eelkõige väljaarenenud turule omaste demograafiliste protsesside põhjal ja sissetulekute kasvuga kooskõlas olevate elamistingimuste parandamise toel.
The housing market experienced steady growth in 2011. 
Eluasemeturg oli 2011. aastal stabiilselt kasvav.
The housing market has become somewhat more active, and the issuing of housing loans has increased accordingly. 
Eluasemeturg on mõnevõrra elavnenud ning sellega koos ka eluasemelaenude väljastamine.
The housing market 
Eluasemeturg
The housing market is affected a great deal by increasing migration to the cities and the relocation of households within the country. 
Eluasemeturgu on mõjutanud tugevalt kasvav linnastumine ja leibkondade riigisisene ümberpaiknemine.
The activity in the housing market was low also in spring 2008, and average prices were dropping. 
Eluasemeturu aktiivsus jäi ka 2008. aasta kevadel madalaks ja keskmiste hindade langus jätkus.
Owing to low interest rates on loans, the activity of the housing market is still high. 
Eluasemeturu aktiivsus on madalate laenuintressimäärade tõttu olnud jätkuvalt kõrge.
The level of activity in the housing market has remained high and prices have risen steadily. 
Eluasemeturu aktiivsus on püsinud suur ja hinnad kasvasid mõõdukalt edasi.
The increase in activity in the housing market can partly be explained by an improvement in household confidence and in the labour market. 
Eluasemeturu aktiivsuse suurenemist selgitavad osaliselt majapidamiste kindlustunde ja tööturu olukorra paranemine.
HOUSING MARKET DEVELOPMENTS AND RISKS IN THE NORDIC COUNTRIES 
Eluasemeturu areng ja riskid Põhjamaades
At the same time the number of households, which affects demand in the real estate market, increased by around 3%. 
Eluasemeturu nõudlust mõjutav leibkondade arv suurenes samal ajal aga umbes 3%.
The transaction activity in the housing market has subsided considerably. 
Eluasemeturu tehinguaktiivsus on märkimisväärselt vaibunud.
Growth in the stock of household housing loans and leasing has continued to slow along with the decreasing transaction activity on the housing market. 
Eluasemeturu tehinguaktiivsuse kahanedes on ka pankade ja liisinguettevõtete poolt majapidamistele väljastatud eluasemelaenude ja -liisingu jäägi aastakasv jätkuvalt aeglustunud.
Due to the extraordinary developments of the housing market, apartment prices have achieved another record level also in ratio to the average gross wages. 
Eluasemeturu tormilise arengu tõttu on korteri hind jõudnud järjekordsele rekordtasemele ka keskmise brutopalga suhtes.
The overpriced housing market contains numerous risks, especially as banks have started to base their decisions on granting loans on collateral rather than on the loan servicing ability of the customer. 
Eluasemeturu ülehinnatus kätkeb endas riske, seda eriti olukorras, kus pangad on hakanud laenuotsustes pigem lähtuma tagatisest kui kliendi maksevõimest.
The number of offers in the housing market is record-high, price growth has stopped, but the number of transactions is declining. 
Eluasemeturul on pakkumiste arv rekordiline, hinnakasv peatunud, kuid tehingute aktiivsus vähenemas.
The housing division started to intermediate grants to apartment buildings. 
Eluasemevaldkond alustas riiklike toetuste vahendamist kortermajadele.
Guarantee and loan activity of the housing area We help to acquire living premises and fix the house 
Eluasemevaldkonna käendus- ja laenutegevus Aitame soetada eluaset ja elamu korda teha
We help to acquire houses and renovate homes 
Eluasemevaldkonna käendustegevus Aitame soetada eluaset ja elamu korda teha
State grants for housing area 
Eluasemevaldkonna riiklikud toetused
In housing area, distribution of reconstruction grants of apartment buildings from the funds obtained by the sale of AAUs and activation of the using of loan with a favourable interest meant for financing of energy saving work for apartment buildings will be continued. 
Eluasemevaldkonnas jätkatakse AAU müügist saadavate vahendite arvel korterelamute rekonstrueerimistoetuste jagamist ning korterelamute energiasäästutööde finantseerimiseks mõeldud sooduslaenu kasutamise aktiviseerimist.
In the housing sector, a print and outdoor campaign was carried out in the first half of 2004 for advertising loan guarantees and renovation funding. 
Eluasemevaldkonnas korraldati 2004. aasta esimesel poolel kampaania kortermajade laenukäenduste ning rekonstrueerimistoetuste reklaamimiseks trüki-ja välimeedia vahendusel.
In 2001, two new products were launched to complement the existing guarantee for young families - the loan guarantee for young specialists and for apartment associations. 
Eluasemevaldkonnas lisandus noore pere laenugarantiile 2001. aastal kaks uut toodet - noore oma kodu laenugarantii ja korteriühistute laenugarantii.
In the housing sector in 2004 the priority in product development is to launch a guarantee product based on new principles for apartment buildings. 
Eluasemevaldkonnas on 2004. aasta tootearenduse prioriteediks korterelamutele uue põhimõttega tagatist oote lansseerimine.
In housing sector, grants for reconstruction of apartment buildings are being prepared from the funds obtained from the sales of AAUs. 
Eluasemevaldkonnas on ettevalmistamisel AAU müügist saadavate vahendite arvel toetused korterelamute rekonstrueerimiseks.
In the field of housing loans, the objective of KredEx is implementing the Estonian housing development plan to contribute to preserving the existing housing stock and to alleviate housing-related financing problems. 
Eluasemevaldkonnas on KredExi tegevuse eesmärgiks Eesti elamumajanduse arengukava elluviijana aidata kaasa olemasoleva elamufondi säilimisele ning eluasemega seotud finantseerimisprobleemide leevendamisele.
In housing area it is planned to bring to the market loan with favorable conditions for financing of energy efficiency work of apartment buildings. 
Eluasemevaldkonnas on plaanis turule tuua korterelamute energiasäästutööde finantseerimiseks mõeldud sooduslaen.
In the housing sector the priority is expansion of the renovation guarantee of apartment buildings and its further development for achieving better energy saving. 
Eluasemevaldkonnas on prioriteediks kortermajade rekonstrueerimiskäenduste programmi laiendamine ning selle edasiarendamine parema energiasäästu saavutamiseks.
The value of the construction of residential buildings amounted to 297 million euros, increasing by 18% at constant prices compared to 2011. 
Eluhooneid ehitati 297 miljoni euro eest – 2011. aastaga võrreldes püsivhindades 18% rohkem.
The volumes of residential buildings in 2008 were also smaller than in 2005. 
Eluhoonete 2008. aasta ehitusmahud olid väiksemad ka 2005. aasta omadest.
The number of building permits issued for construction of residential buildings remained essentially unchanged compared with the previous year. 
Eluhoonete ehitamiseks väljastatud ehituslubade arv püsis sisuliselt muutumatuna võrreldes eelmise aastaga.
The year 2008 saw a bigger decline in the construction of residential buildings – construction volumes were almost by a half smaller than a year earlier and also below the level of 2005. 
Eluhoonete ehituses jäi suurem langus 2008. aastasse, kui ehitusmahud olid poole väiksemad kui aasta varem ja ka väiksemad kui 2005. aastal.
The year 2008 saw the biggest decline in the construction of residential buildings, as construction volumes were almost twice as low as the year before. 
Eluhoonete ehituses jäi suurem langus 2008. aastasse, kui ehitusmahud olid varasema aasta omadest poole väiksemad.
The proportion of residential buildings in construction production decreased to 15% in 2008; two years earlier it was 28%. 
Eluhoonete osatähtsus ehitustöödes vähenes 2008. aastal 15%-ni, kaks aastat varem oli see 28%.
In the repair of residential buildings, an important share was financed with state grants for the improvement of energy efficiency in residential buildings. 
Eluhoonete remonditöödes andsid oma osa toetusmeetmed elamute energiatõhusamaks muutmisel.
residential buildings (yo-y growth; right scale) 
eluhoonete väärtuse kasv (a/a; parem telg)
The average value of a transaction with a registered immovable with residential buildings increased the least – 3%. 
Eluhoonetega kinnisasjade ostumüügitehingute keskmine väärtus tõusis kõige vähem – 3%.
The value of the construction of residential buildings amounted to 200 million euros. 
Eluhoonetes tehti ehitustöid 200 miljoni euro väärtuses.
An area comprised of a part of Lääne County and a part of Pärnu county constitutes a less viable island in the more viable part of Estonia. 
Elujõulisemas Eestimaa osas moodustab vähemelujõulise erandi osast Lääne- ja osast Pärnumaast moodustuv piirkond.
Calculating the viability index is not a sports competition where the winner takes it all and the losers are worth nothing. 
Elujõulisuse indeksi arvutamine ei ole spordivõistlus, kus võitja võtab kõik ning kaotajad ei ole midagi väärt.
When calculating the viability index, we considered the concepts of higher education and tertiary education as equivalent (tertiary education – completed doctoral, master’s and bachelor’s studies, diploma studies, vocational higher education, professional higher education and professional secondary education for people with secondary education). 
Elujõulisuse indeksi arvutamisel on kõrghariduse mõiste samastatud kolmanda taseme hariduse mõistega (kolmanda taseme haridus – lõpetatud doktoriõpe, magistriõpe, bakalaureuseõped iplomiõpe, kutsekõrgharidusõpe, rakenduskõrgharidusõpe, keskeriõpe keskharidusega noortele).
The viability index is based on the assumption that a higher number of companies per 1,000 inhabitants is a positive situation. 
Elujõulisuse indeksi juures on siiski lähtutud sellest, et äriühingute suurem arv 1000 elaniku kohta on hea.
The components of the viability index reveal that Estonia is a country with large disparities. 
Elujõulisuse indeksi komponendid näitavad Eestit väga suurte erisustega riigina.
To conclude the overview of the viability index, it is fitting to take a look at Map 21 on page 270, showing the changes in the ranking of local government units based on their viability index. 
Elujõulisuse indeksi ülevaate lõpetuseks on hea vaadata kaarti 21 lk 270, mis esitab omavalitsusüksuste kohtade muutust elujõulisuse indeksi pingereas.
The viability index is calculated for the second time in Estonia. 
Elujõulisuse indeksit arvutatakse Eestis teist korda.
The security of the living environment has not decreased. 
Elukeskkonna turvalisus pole vähenenud.
Lifelong learning is a key element of change and innovation, both in terms of the personality of people and society as a whole. 
Elukestev õpe on muutuste ja uuenduste võtmeelement nii inimese sisemise rikkuse kui ka ühiskonna kui terviku mõttes.
The Lifelong Learning Strategy sets a goal of providing the next generation of enterprising people with up-to-date knowledge and expertise. 
Elukestva õppe strateegia seab enda eesmärgiks tagada ettevõtlike ja kaasaegsete teadmiste ning oskustega inimeste järelkasv.
Participation in continuing education has grown. 
Elukestvas õppes osalemine on kasvanud.
Participation in continuing education has become more important. 
Elukestvas õppes osalemine on muutunud inimestele tähtsamaks.
Participation in continuing education is important for both the employed and the unemployed. 
Elukestvas õppes osalemine on oluline nii hõivatutele kui ka töötutele.
Life insurance Non-life insurance 
Elukindlustus Kahjukindlustus
The gross premium volume in life insurance, however, doubled in comparison with 1997. 
Elukindlustuse brutopreemiate maht võrreldes 1997. aastaga aga kahekordistus.
capital insurance of life insurance 
elukindlustuse kapitalikindlustus
The amount of insurance premiums in the life insurance sector had been growing steadily for seven years but decreased 33% last year, when the premiums collected by life insurers registered in Estonia totalled only 1.3 billion kroons. 
Elukindlustussek toris seitse aastat järjepidevalt kasvanud kindlustusmaksete maht vähenes möödunud aastal 33% , kui seltsid kogusid Eestis vaid 1,3 miljardi krooni väärtuses makseid.
The life insurance sector had already adjusted to market developments in 2008. 
Elukindlustussektor kohanes turu arenguga juba 2008. aastal.
the quality of assets. 
Elukindlustussektor teenis
The recent profitability of the life insurance sector was replaced by a 297million kroon loss (unaudited) in 2008. 
Elukindlustussektori senine kasumlikkus asendus 2008. aastal 297 miljoni suuruse kahjumiga (auditeerimata).
Life insurance companies responded to the changing economic environment relatively rapidly already in 2008 and rearranged the structure of investment portfolios in light of the sensitivity of their operations to the stock market volatility. 
Elukindlustusseltsid reageerisid juba 2008. aastal suhteliselt kiiresti ümbritseva majanduskeskkonna muutustele ning korraldasid investeerimisportfelli struktuuri ümber, arvestades tegevuse tundlikkust aktsiaturu volatiilsuse suhtes.