natgillin/translations-raw huggingface dataset:
Member States shall ensure that, before the conclusion of the credit agreement, the creditor assesses the consumer's creditworthiness on the basis of sufficient information, where appropriate obtained from the consumer and, where necessary, on the basis of a consultation of the relevant database.
Države članice zagotovijo, da pred sklenitvijo kreditne pogodbe dajalec kredita oceni potrošnikovo kreditno sposobnost na podlagi zadostnih informacij, ki jih, kjer je to primerno, pridobi od potrošnika, in po potrebi informacij, ki jih pridobi s poizvedbo v ustrezni zbirki podatkov.
Member States whose legislation requires creditors to assess the creditworthiness of consumers on the basis of a consultation of the relevant database may retain this requirement.
Države članice, ki v okviru nacionalne zakonodaje zahtevajo, da dajalec kredita oceni potrošnikovo kreditno sposobnost na podlagi poizvedbe v ustrezni zbirki podatkov, lahko ohranijo to zahtevo.
Member States shall ensure that, if the parties agree to change the total amount of credit after the conclusion of the credit agreement, the creditor updates the financial information at his disposal concerning the consumer and assesses the consumer's creditworthiness before any significant increase in the total amount of credit.
Države članice zagotovijo, v kolikor se po sklenitvi kreditne pogodbe stranki dogovorita o spremembi skupnega zneska kredita, da dajalec kredita posodobi finančne informacije v zvezi s potrošnikom, ki so mu na voljo, in oceni potrošnikovo kreditno sposobnost pred kakršnim koli večjim zvišanjem skupnega zneska kredita.
DATABASE ACCESS
DOSTOP DO ZBIRKE PODATKOV
Database access
Dostop do zbirke podatkov
Each Member State shall in the case of cross-border credit ensure access for creditors from other Member States to databases used in that Member State for assessing the creditworthiness of consumers.
Vsaka država članica v primeru čezmejnega kredita zagotovi dajalcem kreditov iz drugih držav članic dostop do zbirk podatkov, ki se uporabljajo v zadevni državi članici, da se oceni kreditna sposobnost potrošnikov.
The conditions for access shall be non-discriminatory.
Pogoji dostopa ne smejo biti diskriminatorni.
If the credit application is rejected on the basis of consultation of a database, the creditor shall inform the consumer immediately and without charge of the result of such consultation and of the particulars of the database consulted.
Če je do zavrnitve vloge za kredit prišlo na podlagi poizvedbe v zbirki podatkov, dajalec kredita takoj in brezplačno obvesti potrošnika o rezultatu te poizvedbe ter o informacijah o uporabljeni zbirki podatkov.
The information shall be provided unless the provision of such information is prohibited by other Community legislation or is contrary to objectives of public policy or public security.
Informacije se posredujejo, razen če posredovanje ne prepoveduje druga zakonodaja Skupnosti ali je v nasprotju s cilji na področju javnega reda ali varnosti.
This Article shall be without prejudice to the application of Directive 95/46/EC of the European Parliament and of the Council of 24 October 1995 on the protection of individuals with regard to the processing of personal data and on the free movement of such data.
Ta člen ne posega v uporabo Direktive 95/46/ES Evropskega parlamenta in Sveta z dne 24. oktobra 1995 o varstvu posameznikov pri obdelavi osebnih podatkov in o prostem pretoku takih podatkov.
INFORMATION AND RIGHTS CONCERNING CREDIT AGREEMENTS
INFORMACIJE IN PRAVICE V ZVEZI S KREDITNIMI POGODBAMI
Information to be included in credit agreements
Informacije, ki se morajo vključiti v kreditne pogodbe
Credit agreements shall be drawn up on paper or on another durable medium.
Kreditne pogodbe se pripravijo na papirju ali drugem trajnem nosilcu podatkov.
All the contracting parties shall receive a copy of the credit agreement.
Vse pogodbene stranke prejmejo izvod kreditne pogodbe.
This Article shall be without prejudice to any national rules regarding the validity of the conclusion of credit agreements which are in conformity with Community law.
Ta člen ne posega v nobena nacionalna pravila o veljavnosti sklenitve kreditnih pogodb, če so ta skladna s pravom Skupnosti.
The credit agreement shall specify in a clear and concise manner:
Kreditna pogodba jasno in jedrnato navaja:
the identities and geographical addresses of the contracting parties as well as, if applicable, the identity and geographical address of the credit intermediary involved;
identiteta in geografski naslovi pogodbenih strank ter po potrebi identiteta in geografski naslov zadevnega kreditnega posrednika;
in case of a credit in the form of deferred payment for a specific good or service or in the case of linked credit agreements, that good or service and its cash price;
v primeru kredita v obliki odloga plačila za določeno blago ali storitev ali v primeru povezanih kreditnih pogodb izdelek ali storitev ter njuno vrednost;
the borrowing rate, the conditions governing the application of that rate and, where available, any index or reference rate applicable to the initial borrowing rate, as well as the periods, conditions and procedures for changing the borrowing rate and, if different borrowing rates apply in different circumstances, the abovementioned information in respect of all the applicable rates;
posojilno obrestno mero, pogoje, ki urejajo uporabo te mere, in, če je na voljo, indeks ali referenčno obrestno mero, ki se uporablja za začetno posojilno obrestno mero, ter obdobja, pogoje in postopke za spreminjanje posojilne obrestne mere ter, če se v različnih okoliščinah uporabljajo različne posojilne obrestne mere, zgoraj navedene informacije o vseh uporabljenih obrestnih merah;
the annual percentage rate of charge and the total amount payable by the consumer, calculated at the time the credit agreement is concluded; all the assumptions used in order to calculate that rate shall be mentioned;
efektivno obrestno mero in skupni znesek, ki ga mora plačati potrošnik, izračunan ob sklenitvi kreditne pogodbe; navedejo se vse predpostavke, uporabljene za izračun navedenih obresti;
where capital amortisation of a credit agreement with a fixed duration is involved, the right of the consumer to receive, on request and free of charge, at any time throughout the duration of the credit agreement, a statement of account in the form of an amortisation table.
če gre za odplačilo glavnice kreditne pogodbe z določenim trajanjem, pravico potrošnika, da pridobi, na zahtevo in brezplačno, kadar koli med celotnim trajanjem kreditne pogodbe finančni izkaz v obliki preglednice odplačil.
The amortisation table shall indicate the payments owing and the periods and conditions relating to the payment of such amounts; the table shall contain a breakdown of each repayment showing capital amortisation, the interest calculated on the basis of the borrowing rate and, where applicable, any additional costs; where the interest rate is not fixed or the additional costs may be changed under the credit agreement, the amortisation table shall indicate, clearly and concisely, that the data contained in the table will remain valid only until such time as the borrowing rate or the additional costs are changed in accordance with the credit agreement;
Preglednica odplačil prikaže dolgovane zneske ter obdobja in pogoje v zvezi s plačilom takšnih zneskov; preglednica vsebuje razčlenitev vsakega odplačila, da se prikažejo odplačilo glavnice, obresti, izračunane na podlagi posojilne obrestne mere, in, kadar je primerno, kakršne koli dodatne stroške; če obrestna mera ni fiksna ali če se dodatni stroški lahko spremenijo v skladu s kreditno pogodbo, preglednica odplačil vsebuje jasno in jedrnato navedbo o tem, da so podatki v preglednici veljavni le do naslednje spremembe posojilne obrestne mere ali dodatnih stroškov v skladu s kreditno pogodbo;
if charges and interest are to be paid without capital amortisation, a statement showing the periods and conditions for the payment of the interest and of any associated recurrent and non-recurrent charges;
če se stroški in obresti plačujejo brez odplačila glavnice, finančni izkaz, ki prikazuje obdobja in pogoje za plačilo obresti ter kakršnih koli pripadajočih periodičnih in neperiodičnih stroškov;
where applicable, the charges for maintaining one or several accounts recording both payment transactions and drawdowns, unless the opening of an account is optional, together with the charges for using a means of payment for both payment transactions and drawdowns, and any other charges deriving from the credit agreement and the conditions under which those charges may be changed;
po potrebi stroške vzdrževanja enega ali več računov za vodenje plačilnih transakcij in črpanj, razen če je odprtje računa neobvezno, skupaj s stroški uporabe plačilnih sredstev tako za plačilne transakcije kot za črpanja, ter vse druge stroške, ki izhajajo iz kreditne pogodbe, in pogoje, pod katerimi se lahko ti stroški spremenijo;
the interest rate applicable in the case of late payments as applicable at the time of the conclusion of the credit agreement and the arrangements for its adjustment and, where applicable, any charges payable for default;
obrestno mero v primeru zapadlih plačil, ki velja ob sklenitvi kreditne pogodbe, ter pravila za njeno prilagoditev in, kjer je to potrebno, vse stroške v primeru zamude pri odplačevanju;
where applicable, a statement, that notarial fees will be payable;
po potrebi izjavo, da bo treba plačati notarsko pristojbino;
the sureties and insurance required, if any;
zahtevana poroštva in zavarovanja, v kolikor obstajajo;
the existence or absence of a right of withdrawal, the period during which that right may be exercised and other conditions governing the exercise thereof, including information concerning the obligation of the consumer to pay the capital drawn down and the interest in accordance with Article 14(3)(b) and the amount of interest payable per day;
obstoj ali odsotnost pravice do odstopa, obdobje trajanja te pravice in druge pogoje za uveljavljanje te pravice, vključno z informacijami o obveznosti potrošnika do plačila črpane glavnice in obresti v skladu s členom 14(3)(b) in zneskom dnevnih obresti;
information concerning the rights resulting from Article 15 as well as the conditions for the exercise of those rights;
informacije o pravicah, ki izhajajo iz člena 15, ter pogoje za uveljavljanje teh pravic;
the right of early repayment, the procedure for early repayment, as well as, where applicable, information concerning the creditor's right to compensation and the way in which that compensation will be determined;
pravico do predčasnega odplačila, postopek predčasnega odplačila in, kadar je primerno, informacije o pravici dajalca kredita do nadomestila in o tem, kako se bo to nadomestilo določilo;
the procedure to be followed in exercising the right of termination of the credit agreement;
postopek, ki se uporablja pri uveljavljanju pravice do prekinitve kreditne pogodbe;
whether or not there is an out-of-court complaint and redress mechanism for the consumer and, if so, the methods for having access to it;
podatke o tem, ali za potrošnika obstajajo izvensodni postopki pritožbe in druga pravna sredstva, če ta obstajajo, pa tudi pogoje za njihovo uporabo;
where applicable, other contractual terms and conditions;
po potrebi tudi druga pogodbena določila in pogoje;
where applicable, the name and address of the competent supervisory authority.
po potrebi ime in naslov pristojnega nadzornega organa.
Where paragraph 2(i) applies, the creditor shall make available to the consumer, free of charge and at any time throughout the duration of the credit agreement, a statement of account in the form of an amortisation table.
Kadar se uporablja odstavek 2(i), dajalec kredita da na razpolago potrošniku brezplačno in kadar koli med celotnim trajanjem kreditne pogodbe finančni izkaz v obliki preglednice.
In the case of a credit agreement under which payments made by the consumer do not give rise to an immediate corresponding amortisation of the total amount of credit, but are used to constitute capital during periods and under conditions laid down in the credit agreement or in an ancillary agreement, the information required under paragraph 2 shall include a clear and concise statement that such credit agreements do not provide for a guarantee of repayment of the total amount of credit drawn down under the credit agreement, unless such a guarantee is given.
V primeru kreditne pogodbe, na podlagi katere plačila, ki jih opravi potrošnik, ne sprožijo takojšnjega ustreznega odplačila skupnega zneska kredita, temveč se uporabijo za oblikovanje glavnice med obdobji in pod pogoji, določenimi v kreditni pogodbi ali v pomožni pogodbi, informacije, ki se zahtevajo v skladu z odstavkom 2, vsebujejo jasno in jedrnato izjavo, da take kreditne pogodbe ne zagotavljajo jamstva tretje osebe za odplačilo celotnega zneska črpanega kredita po kreditni pogodbi, razen v primeru, da je bilo tako jamstvo predloženo.
In the case of credit agreements in the form of overdraft facilities as referred to in Article 2(3), the following shall be specified in a clear and concise manner:
Pri kreditnih pogodbah v obliki možnosti prekoračitve iz člena 2(3) se jasno in jedrnato navedejo:
the total amount of the credit and the conditions governing the drawdown;
najvišji znesek kredita in pogoji, ki urejajo črpanje;
the borrowing rate, the conditions governing the application of the borrowing rate and, where available, any index or reference rate applicable to the initial borrowing rate, as well as the periods, conditions and procedure for changing the borrowing rate and, if different borrowing rates apply in different circumstances, the abovementioned information in respect of all the applicable rates;
posojilna obrestna mera, pogoji, ki urejajo uporabo posojilne obrestne mere, in, če je na voljo, indeks ali referenčna obrestna mera, ki se nanaša na začetno posojilno obrestno mero, kakor tudi obdobje, pogoji in postopki za spreminjanje posojilne obrestne mere ter zgoraj navedene informacije v zvezi z vsemi uporabljenimi obrestnimi merami, če se v različnih okoliščinah uporabljajo različne posojilne obrestne mere;
the annual percentage rate of charge and the total cost of the credit to the consumer, calculated at the time the credit agreement is concluded; all the assumptions used in order to calculate that rate as referred to in Article 19(2) in conjunction with Article 3(g) and (i) shall be mentioned; Member States may decide that the annual percentage rate of charge need not be provided;
efektivna obrestna mera in skupni stroški, ki jih mora plačati potrošnik, izračunani ob sklenitvi kreditne pogodbe; navedejo se vse predpostavke, uporabljene za izračun navedenih obresti v skladu s členom 19(2) v povezavi s členom 3(g) in (i); države članice lahko določijo, da se efektivna obrestna mera ne navede;
an indication that the consumer may be requested to repay the amount of credit in full on demand at any time;
navedba, da se lahko od potrošnika kadar koli zahteva, da v celoti odplača znesek kredita;
conditions governing the exercise of the right of withdrawal from the credit agreement; and
pogoji, ki urejajo uveljavljanje pravice do odstopa od kreditne pogodbe; ter
information concerning the charges applicable from the time such agreements are concluded and, if applicable, the conditions under which those charges may be changed.
informacije o stroških, veljavnih od datuma sklenitve kreditne pogodbe, in po potrebi tudi pogoji, pod katerimi se lahko ti stroški spremenijo.
Information concerning the borrowing rate
Informacije o posojilni obrestni meri
Where applicable, the consumer shall be informed of any change in the borrowing rate, on paper or another durable medium, before the change enters into force.
Po potrebi se potrošnika na papirju ali na drugem trajnem nosilcu podatkov obvesti o spremembi posojilne obrestne mere, preden začne sprememba veljati.
The information shall state the amount of the payments to be made after the entry into force of the new borrowing rate and, if the number or frequency of the payments changes, particulars thereof.
V obvestilu se poda znesek plačil po začetku veljavnosti nove posojilne obrestne mere in podrobnosti o morebitnih spremembah števila in pogostosti plačil.
However, the parties may agree in the credit agreement that the information referred to in paragraph 1 is to be given to the consumer periodically in cases where the change in the borrowing rate is caused by a change in a reference rate, the new reference rate is made publicly available by appropriate means and the information concerning the new reference rate is also kept available in the premises of the creditor.
Vendar pa se lahko stranki v kreditni pogodbi dogovorita, da se obvestilo iz odstavka 1 potrošniku redno pošlje, ko se posojilna obrestna mera spremeni zaradi spremembe referenčne obrestne mere ter je nova referenčna obrestna mera javno dostopna na ustrezen način in je informacija o novi referenčni obrestni meri na voljo tudi v prostorih dajalca kredita.
Obligations in connection with credit agreement in the form of an overdraft facility
Obveznosti pri kreditnih pogodbah v obliki možnosti prekoračitve
Where a credit agreement covers credit in the form of an overdraft facility, the consumer shall be kept regularly informed by means of a statement of account, on paper or on another durable medium, containing the following particulars:
Če kreditna pogodba zajema kredit v obliki možnosti prekoračitve, se potrošniku s pomočjo finančnega izkaza na papirju ali na drugem trajnem nosilcu podatkov redno sporočajo naslednje:
the precise period to which the statement of account relates;
točno določeno obdobje, na katerega se finančni izkaz nanaša;
the amounts and dates of drawdowns;
zneski in datumi črpanj;
the balance from the previous statement, and the date thereof;
stanje prejšnjega izkaza in datum izkaza;
the new balance;
novo stanje;
the dates and amounts of payments made by the consumer;
datumi in zneski plačil, ki jih je opravil potrošnik;
the borrowing rate applied;
uporabljeno posojilno obrestno mero;
any charges that have been applied;
morebitne nastale stroške;
where applicable, the minimum amount to be paid.
kadar je ustrezno, minimalni znesek, ki ga je treba plačati.
In addition, the consumer shall be informed on paper or another durable medium of increases in the borrowing rate, or in any charges payable, before the change in question enters into force.
Hkrati se potrošnika na papirju ali na drugem trajnem nosilcu podatkov obvesti o spremembah posojilne obrestne mere ali kakršnih koli plačljivih stroškov, preden začne sprememba veljati.
However, the parties may agree in the credit agreement that information concerning changes in the borrowing rate is to be given in the manner provided for in paragraph 1 in cases where the change in the borrowing rate is caused by a change in a reference rate, the new reference rate is made publicly available by appropriate means and the information concerning the new reference rate is also kept available in the premises of the creditor.
Vendar pa se lahko stranki dogovorita, da se obvestila o spremembah posojilne obrestne mere posreduje na način, določen v odstavku 1, v primerih, kadar spremembo posojilne obrestne mere povzroči sprememba referenčne obrestne mere ter je nova referenčna obrestna mera javno dostopna na ustrezen način in je informacija o novi referenčni obrestni meri na voljo tudi v prostorih dajalca kredita.
Open-end credit agreements
Odprte kreditne pogodbe
The consumer may effect standard termination of an open-end credit agreement free of charge at any time unless the parties have agreed on a period of notice.
Potrošnik lahko kadar koli na običajen način brezplačno prekine odprto kreditno pogodbo, razen če sta se pogodbeni stranki dogovorili o odpovednem roku.
If agreed in the credit agreement, the creditor may effect standard termination of an open-end credit agreement by giving the consumer at least two months' notice drawn up on paper or on another durable medium.
Če je tako dogovorjeno v kreditni pogodbi, lahko dajalec kredita na običajen način prekine odprto kreditno pogodbo tako, da potrošniku posreduje obvestilo na papirju ali drugem trajnem nosilcu podatkov z najmanj dvomesečnim odpovednim rokom.
If agreed in the credit agreement, the creditor may, for objectively justified reasons, terminate the consumer's right to draw down on an open-end credit agreement.
Če je tako dogovorjeno v kreditni pogodbi, lahko dajalec kredita iz objektivno utemeljenih razlogov prekine pravico potrošnika do črpanja na podlagi odprte kreditne pogodbe.
The creditor shall inform the consumer of the termination and the reasons for it on paper or on another durable medium, where possible before the termination and at the latest immediately thereafter, unless the provision of such information is prohibited by other Community legislation or is contrary to objectives of public policy or public security.
Dajalec kredita na papirju ali drugem trajnem nosilcu podatkov obvesti potrošnika o prekinitvi in razlogih zanjo – če je to mogoče – pred prekinitvijo, najpozneje pa takoj po njej, razen če posredovanje takih podatkov prepoveduje druga zakonodaja Skupnosti ali je to v nasprotju s cilji na področju javnega reda in varnosti.
Right of withdrawal
Pravica do odstopa
The consumer shall have a period of 14 calendar days in which to withdraw from the credit agreement without giving any reason.
Potrošnik lahko v roku štirinajstih koledarskih dni odstopi od kreditne pogodbe brez navedbe razloga.
That period of withdrawal shall begin
Ta rok za odstop se začne:
either from the day of the conclusion of the credit agreement, or
bodisi na dan sklenitve kreditne pogodbe
from the day on which the consumer receives the contractual terms and conditions and information in accordance with Article 10, if that day is later than the date referred to in point (a) of this subparagraph.
bodisi na dan, ko potrošnik prejme pogodbena določila in pogoje ter informacije v skladu s členom 10, če ta dan nastopi pozneje kot datum, naveden v točki (a) tega pododstavka.
Where in the case of a linked credit agreement, as defined in Article 3(n), national legislation at the time of the entry into force of this Directive already provides that funds cannot be made available to the consumer before the expiry of a specific period, Member States may exceptionally provide that the period referred to in paragraph 1 of this Article may be reduced to this specific period at the explicit request of the consumer.
Kadar v primeru povezane kreditne pogodbe, kakor je določena v členu 3(n), nacionalna zakonodaja v času začetka veljavnosti te direktive že določa, da se sredstva ne morejo dati potrošniku na razpolago pred potekom posebnega roka, lahko države članice izjemoma določijo, da se lahko rok iz odstavka 1 tega člena na jasno zahtevo potrošnika skrajša na ta poseben rok.
If the consumer exercises his right of withdrawal, he shall:
Če potrošnik uveljavlja pravico do odstopa:
in order to give effect to the withdrawal before the expiry of the deadline referred to in paragraph 1, notify this to the creditor in line with the information given by the creditor pursuant to Article 10(2)(p) by means which can be proven in accordance with national law.
za uveljavitev pravice do odstopa o tem pred iztekom roka iz odstavka 1 obvesti dajalca kredita po prejemu informacije s strani dajalca kredita v skladu s členom 10(2)(p) na način, ki je v skladu z nacionalno zakonodajo.
The deadline shall be deemed to have been met if that notification, if it is on paper or on another durable medium that is available and accessible to the creditor, is dispatched before the deadline expires; and
Šteje se, da je bil rok upoštevan, če se je to obvestilo še pred iztekom roka poslalo na papirju ali drugem trajnem nosilcu podatkov, ki je dajalcu kreditov na voljo in dostopen; in