natgillin/translations-raw huggingface dataset:
Since those measures are of general scope and are designed to amend non-essential elements of this Directive, they must be adopted in accordance with the regulatory procedure with scrutiny provided for in Article 5a of Decision 1999/468/EC.
Ker so to ukrepi splošnega obsega in so namenjeni spreminjanju nebistvenih določb te direktive, bi jih bilo treba sprejeti v skladu z regulativnim postopkom s pregledom iz člena 5a Sklepa 1999/468/ES.
In accordance with point 34 of the Interinstitutional Agreement on better law-making, Member States are encouraged to draw up, for themselves and in the interests of the Community, their own tables illustrating, as far as possible, the correlation between this Directive and the transposition measures, and to make them public.
V skladu s točko 34 Medinstitucionalnega sporazuma o boljši pripravi zakonodaje se države članice spodbuja, da za svoje potrebe in v interesu Skupnosti izdelajo in objavijo lastne korelacijske tabele, ki naj, kolikor nazorno je to mogoče, prikažejo korelacijo med to direktivo in ukrepi za prenos v nacionalno pravo.
Accordingly, taking account of the number of amendments that need to be made to Directive 87/102/EEC due to the evolution of the consumer credit sector and in the interests of the clarity of Community legislation, that Directive should be repealed and replaced by this Directive,
Ob upoštevanju števila sprememb, ki jih je treba vnesti v Direktivo 87/102/EGS zaradi razvoja sektorja potrošniških kreditov, in v interesu jasnosti zakonodaje Skupnosti bi bilo treba temu ustrezno zadevno direktivo razveljaviti in nadomestiti s to direktivo –
The purpose of this Directive is to harmonise certain aspects of the laws, regulations and administrative provisions of the Member States concerning agreements covering credit for consumers.
Namen te direktive je uskladiti nekatere vidike zakonov in drugih predpisov držav članic v zvezi s pogodbami, ki zajemajo potrošniške kredite.
This Directive shall apply to credit agreements.
Ta direktiva se uporablja za kreditne pogodbe.
This Directive shall not apply to the following:
Ta direktiva se ne uporablja za naslednje:
credit agreements which are secured either by a mortgage or by another comparable security commonly used in a Member State on immovable property or secured by a right related to immovable property;
kreditne pogodbe, zavarovane s hipoteko ali z drugim primerljivim poroštvom, ki se običajno uporablja v državi članici za nepremično premoženje, oziroma zavarovane s pravico v zvezi z nepremičnim premoženjem;
credit agreements the purpose of which is to acquire or retain property rights in land or in an existing or projected building;
kreditne pogodbe, katerih namen je pridobiti ali obdržati lastninske pravice na zemljiščih ali na obstoječih ali načrtovanih zgradbah;
credit agreements involving a total amount of credit less than EUR 200 or more than EUR 75000;
kreditne pogodbe, pri katerih je skupni znesek kredita manj kot 200 EUR ali več kot 75000 EUR;
hiring or leasing agreements where an obligation to purchase the object of the agreement is not laid down either by the agreement itself or by any separate agreement; such an obligation shall be deemed to exist if it is so decided unilaterally by the creditor;
nakup s pridržanim lastništvom ali najemne pogodbe, pri katerih obveznost nakupa predmeta pogodbe ni predvidena s pogodbo samo ali katero koli drugo ločeno pogodbo; šteje se, da obveznost nakupa obstaja, če se dajalec kredita o njej enostransko odloči;
credit agreements in the form of an overdraft facility and where the credit has to be repaid within one month;
kreditne pogodbe v obliki možnosti prekoračitve, pri katerih morajo biti krediti odplačani v roku enega meseca;
credit agreements where the credit is granted free of interest and without any other charges and credit agreements under the terms of which the credit has to be repaid within three months and only insignificant charges are payable;
kreditne pogodbe, s katerimi se podelijo krediti brez obresti in kakršnih koli drugih stroškov, ter kreditne pogodbe, ki določajo, da se mora kredit odplačati v roku treh mesecev in pri katerih se plačajo zgolj zanemarljivi stroški;
credit agreements where the credit is granted by an employer to his employees as a secondary activity free of interest or at annual percentage rates of charge lower than those prevailing on the market and which are not offered to the public generally;
kreditne pogodbe, s katerimi kredit dodeli delodajalec svojim zaposlenim kot sekundarno dejavnost brezobrestno ali z letnimi odstotki obresti, nižjimi od tistih, ki prevladujejo na trgu, in ki niso na voljo širši javnosti;
credit agreements which are concluded with investment firms as defined in Article 4(1) of Directive 2004/39/EC of the European Parliament and of the Council of 21 April 2004 on markets in financial instruments or with credit institutions as defined in Article 4 of Directive 2006/48/EC for the purposes of allowing an investor to carry out a transaction relating to one or more of the instruments listed in Section C of Annex I to Directive 2004/39/EC, where the investment firm or credit institution granting the credit is involved in such transaction;
kreditne pogodbe, sklenjene z investicijskimi družbami, kakor so opredeljene v členu 4(1) Direktive 2004/39/ES Evropskega parlamenta in Sveta z dne 21. aprila 2004 o trgih finančnih instrumentov, ali s kreditnimi institucijami, kakor so opredeljene v členu 4 Direktive 2006/48/ES, z namenom, da se vlagatelju omogoči, da opravi transakcijo, povezano z enim ali več instrumenti, naštetimi v oddelku C Priloge I k Direktivi 2004/39/ES, ko je investicijska družba ali kreditna institucija, ki kredit odobri, vključena v tako transakcijo;
credit agreements which are the outcome of a settlement reached in court or before another statutory authority;
kreditne pogodbe, ki so rezultat poravnave, dosežene na sodišču ali pred drugim zakonsko določenim organom;
credit agreements which relate to the deferred payment, free of charge, of an existing debt;
kreditne pogodbe, ki se nanašajo na brezplačen odlog plačila obstoječega dolga;
credit agreements upon the conclusion of which the consumer is requested to deposit an item as security in the creditor's safe-keeping and where the liability of the consumer is strictly limited to that pledged item;
kreditne pogodbe, po sklenitvi katerih mora potrošnik deponirati nek predmet kot poroštvo pri dajalcu kreditov in pri katerih je odgovornost potrošnika strogo omejena na ta zastavljeni predmet;
credit agreements which relate to loans granted to a restricted public under a statutory provision with a general interest purpose, and at lower interest rates than those prevailing on the market or free of interest or on other terms which are more favourable to the consumer than those prevailing on the market and at interest rates not higher than those prevailing on the market.
kreditne pogodbe za posojila, odobrena omejeni javnosti na podlagi zakonskih določb in v skladu s splošnim interesom, po nižjih obrestnih merah, kot veljajo na trgu, ali brez obresti ali pod drugimi pogoji, ki bi bili za potrošnika ugodnejši od tistih, ki veljajo na trgu, in po obrestnih merah, ne višjih od tistih, ki veljajo na trgu.
In the case of credit agreements in the form of an overdraft facility and where the credit has to be repaid on demand or within three months, only Articles 1 to 3, Article 4(1), Article 4(2)(a) to (c), Article 4(4), Articles 6 to 9, Article 10(1), Article 10(4), Article 10(5), Articles 12, 15, 17 and Articles 19 to 32 shall apply.
V primeru kreditnih pogodb v obliki možnosti prekoračitve stanja na računu in kjer mora biti kredit odplačan na zahtevo ali v roku treh mesecev, se uporabljajo samo členi 1 do 3, člen 4(1), člen 4(2)(a) do (c), člen 4(4), členi 6 do 9, člen 10(1), (4) in (5), členi 12, 15 in 17 ter členi 19 do 32.
In the case of credit agreements in the form of overrunning, only Articles 1 to 3, 18, 20 and 22 to 32 shall apply.
V primeru kreditnih pogodb v obliki tiho dovoljenih prekoračitev se uporabljajo le členi 1 do 3, 18, 20 in 22 do 32.
Member States may determine that only Articles 1 to 4, 6, 7 and 9, Article 10(1), points (a) to (h) and (l) of Article 10(2), Article 10(4) and Articles 11, 13 and 16 to 32 shall apply to credit agreements which are concluded by an organisation which:
Države članice lahko določijo, da se samo členi 1 do 4, 6, 7 in 9, člen 10(1), člen 10(2)(a) do (h) in (l), člen 10(4) ter členi 11, 13 in 16 do 32 uporabljajo za kreditne pogodbe, ki jih sklene organizacija, ki:
is established for the mutual benefit of its members;
je ustanovljena v vzajemno korist svojih članov;
does not make profits for any other person than its members;
ne ustvarja dobička za nobeno drugo osebo razen svojih članov;
fulfils a social purpose required by domestic legislation;
izpolnjuje zahteve socialnega namena, predpisane v nacionalni zakonodaji;
receives and manages the savings of, and provides sources of credit to, its members only; and
prejema prihranke samo svojih članov in z njimi upravlja ter samo svojim članom zagotavlja vire posojil in
provides credit on the basis of an annual percentage rate of charge which is lower than that prevailing on the market or subject to a ceiling laid down by national law,
zagotavlja kredit na podlagi letnih odstotkov obresti, nižjih od tistih, ki veljajo na trgu ali za katere velja najvišja dovoljena meja, predpisana z nacionalno zakonodajo,
and whose membership is restricted to persons residing or employed in a particular location or employees and retired employees of a particular employer, or to persons meeting other qualifications laid down under national law as the basis for the existence of a common bond between the members.
in katere članstvo je omejeno na osebe, ki prebivajo ali so zaposlene na določeni lokaciji, ali na uslužbence in upokojene uslužbence določenega delodajalca ali na osebe, ki izpolnjujejo druge zahteve, določene v skladu z nacionalno zakonodajo, kot podlaga za obstoj skupne vezi med člani.
Member States may exempt from the application of this Directive credit agreements concluded by such an organisation where the total value of all existing credit agreements entered into by the organisation is insignificant in relation to the total value of all existing credit agreements in the Member State in which the organisation is based and the total value of all existing credit agreements entered into by all such organisations in the Member State is less than 1 % of the total value of all existing credit agreements entered into in that Member State.
Države članice lahko iz uporabe te direktive izvzamejo kreditne pogodbe, ki jih sklene taka organizacija, če je skupna vrednost vseh obstoječih kreditnih pogodb te organizacije zanemarljiva v primerjavi s skupno vrednostjo vseh obstoječih kreditnih pogodb v državi članici, v kateri ima zadevna organizacija sedež, in če skupna vrednost vseh obstoječih kreditnih pogodb, ki jih sklenejo vse take organizacije v državi članici, predstavlja manj kot 1 % skupne vrednosti vseh obstoječih kreditnih pogodb, sklenjenih v tej državi članici.
Member States shall each year review whether the conditions for the application of any such exemption continue to exist and shall take action to withdraw the exemption where they consider that the conditions are no longer met.
Države članice vsako leto preverijo, če so pogoji za uporabo katere koli tovrstne izjeme še vedno izpolnjeni, in sprejmejo ukrepe za preklic izjeme, če menijo, da pogoji niso več izpolnjeni.
Member States may determine that only Articles 1 to 4, 6, 7, 9, Article 10(1), points (a) to (i), (l) and (r) of Article 10(2), Article 10(4), Articles 11, 13, 16 and Articles 18 to 32 shall apply to credit agreements which provide for arrangements to be agreed by the creditor and the consumer in respect of deferred payment or repayment methods, where the consumer is already in default on the initial credit agreement and where:
Države članice lahko določijo, da se za kreditne pogodbe, v katerih se predvideva, da bosta dajalec kredita in potrošnik sklenila dogovor glede načina odloga plačil ali odplačil, uporabljajo samo členi 1 do 4, 6, 7, 9, člen 10(1), člen 10(2)(a) do (i) ter (l) in (r), člen 10(4), členi 11, 13, 16 in členi 18 do 32, kadar je potrošnik že v zamudi pri odplačevanju po prvotni kreditni pogodbi in kadar:
such arrangements would be likely to avert the possibility of legal proceedings concerning such default; and
bi takšen dogovor verjetno odvrnil možnost sodnega procesa v zvezi z zamudo; in
the consumer would not thereby be subject to terms less favourable than those laid down in the initial credit agreement.
potrošnik s tem ne bi imel manj ugodnih pogojev v primerjavi s tistimi, določenimi s prvotno kreditno pogodbo. Vendar pa se v primeru, če se kreditna pogodba uporablja v skladu s tretjim odstavkom, uporabljajo samo določbe tega odstavka.
However, if the credit agreement falls within the scope of paragraph 3, only the provisions of that paragraph shall apply.
Člen 3
‘consumer’ means a natural person who, in transactions covered by this Directive, is acting for purposes which are outside his trade, business or profession;
„potrošnik“ pomeni fizično osebo, ki v transakcijah, zajetih v tej direktivi, deluje za namene zunaj svoje trgovske, poslovne ali poklicne dejavnosti;
‘creditor’ means a natural or legal person who grants or promises to grant credit in the course of his trade, business or profession;
„dajalec kredita“ pomeni fizično ali pravno osebo, ki da ali obljubi, da bo dala kredit v okviru svoje trgovske, poslovne ali poklicne dejavnosti;
‘credit agreement’ means an agreement whereby a creditor grants or promises to grant to a consumer credit in the form of a deferred payment, loan or other similar financial accommodation, except for agreements for the provision on a continuing basis of services or for the supply of goods of the same kind, where the consumer pays for such services or goods for the duration of their provision by means of instalments;
„kreditna pogodba“ pomeni pogodbo, s katero dajalec kredita odobri ali obljubi, da bo odobril potrošniku kredit v obliki odloga plačila, posojila ali drugega podobnega finančnega dogovora, z izjemo pogodb o trajnem opravljanju storitev ali dobavi blaga enake vrste, kadar potrošnik v času dobave takšnih storitev ali blaga plačuje zanje v obrokih;
‘overdraft facility’ means an explicit credit agreement whereby a creditor makes available to a consumer funds which exceed the current balance in the consumer's current account;
„možnost prekoračitve“ pomeni izrecno kreditno pogodbo, pri kateri dajalec kredita da potrošniku možnost, da razpolaga s sredstvi, ki presegajo trenutno stanje na potrošnikovem tekočem računu;
‘overrunning’ means a tacitly accepted overdraft whereby a creditor makes available to a consumer funds which exceed the current balance in the consumer's current account or the agreed overdraft facility;
„tiho dovoljena prekoračitev“ pomeni prekoračitev, pri kateri dajalec kredita potrošniku tiho dovoli, da razpolaga s sredstvi, ki presegajo trenutno stanje na potrošnikovem tekočem računu ali dogovorjeno možnost prekoračitve;
‘credit intermediary’ means a natural or legal person who is not acting as a creditor and who, in the course of his trade, business or profession, for a fee, which may take a pecuniary form or any other agreed form of financial consideration:
„kreditni posrednik“ pomeni fizično ali pravno osebo, ki ne deluje kot dajalec kreditov in v okviru svoje dejavnosti, poslovanja ali stroke v zameno za plačilo, ki je lahko v denarju ali kateri koli drugi obliki finančnega plačila:
presents or offers credit agreements to consumers;
potrošnikom predstavlja ali ponuja kreditne pogodbe;
assists consumers by undertaking preparatory work in respect of credit agreements other than as referred to in (i); or
pomaga potrošnikom s pripravljalnim delom za kreditne pogodbe, razen tistih, navedenih v (i), ali
concludes credit agreements with consumers on behalf of the creditor;
v imenu dajalca kredita s potrošniki sklepa kreditne pogodbe;
‘total cost of the credit to the consumer’ means all the costs, including interest, commissions, taxes and any other kind of fees which the consumer is required to pay in connection with the credit agreement and which are known to the creditor, except for notarial costs; costs in respect of ancillary services relating to the credit agreement, in particular insurance premiums, are also included if, in addition, the conclusion of a service contract is compulsory in order to obtain the credit or to obtain it on the terms and conditions marketed;
„skupni stroški kredita za potrošnika“ pomeni vse stroške, vključno z obrestmi, provizijami, davki in vsemi drugimi vrstami pristojbin, ki jih mora potrošnik plačati v zvezi s kreditno pogodbo in ki so dajalcu kredita znani, razen notarskih stroškov; stroški, povezani s pomožnimi storitvami v zvezi s kreditno pogodbo, zlasti zavarovalne premije, so tudi vključeni, če je sklenitev dodatne storitvene pogodbe obvezna že za samo pridobitev kredita ali pod pogoji, ki se tržijo;
‘total amount payable by the consumer’ means the sum of the total amount of the credit and the total cost of the credit to the consumer;
„skupni znesek, ki ga mora plačati potrošnik“ pomeni vsoto skupnega zneska kredita in skupnih stroškov kredita za potrošnika;
‘annual percentage rate of charge’ means the total cost of the credit to the consumer, expressed as an annual percentage of the total amount of credit, where applicable including the costs referred to in Article 19(2);
„efektivna obrestna mera“ pomeni skupne stroške kredita za potrošnika, izražene kot letni odstotek skupnega zneska kredita, po potrebi vključno s stroški iz člena 19(2);
‘borrowing rate’ means the interest rate expressed as a fixed or variable percentage applied on an annual basis to the amount of credit drawn down;
„posojilna obrestna mera“ pomeni obrestno mero, izraženo kot stalni ali spremenljivi odstotek, ki se zaračuna na letni osnovi glede na znesek črpanega kredita;
‘fixed borrowing rate’ means that the creditor and the consumer agree in the credit agreement on one borrowing rate for the entire duration of the credit agreement or on several borrowing rates for partial periods using exclusively a fixed specific percentage.
„dogovorjena fiksna posojilna obrestna mera“ pomeni, da se dajalec kredita in potrošnik v kreditni pogodbi za celotno trajanje kreditne pogodbe dogovorita za eno samo posojilno obrestno mero oziroma za več posojilnih obrestnih mer za delna obdobja ob uporabi izključno dogovorjenega specifičnega odstotka.
If not all borrowing rates are determined in the credit agreement, the borrowing rate shall be deemed to be fixed only for the partial periods for which the borrowing rates are determined exclusively by a fixed specific percentage agreed on the conclusion of the credit agreement;
Če v kreditni pogodbi niso določene vse posojilne obrestne mere, velja, da je posojilna obrestna mera dogovorjena samo za delna obdobja, za katera so posojilne obrestne mere določene izključno na podlagi dogovorjenega specifičnega odstotka, ki je bil dogovorjen ob sklenitvi kreditne pogodbe;
‘total amount of credit’ means the ceiling or the total sums made available under a credit agreement;
„skupni znesek kredita“ pomeni najvišjo dovoljeno mejo ali vsoto vseh zneskov, ki so na voljo po kreditni pogodbi;
‘durable medium’ means any instrument which enables the consumer to store information addressed personally to him in a way accessible for future reference for a period of time adequate for the purposes of the information and which allows the unchanged reproduction of the information stored;
„trajni nosilec podatkov“ pomeni vsak instrument, ki omogoči potrošniku, da informacije, namenjene njemu osebno, shrani na tak način, da mu je dostopen za prihodnje potrebe toliko časa, kolikor zadostuje za namene informiranja, in ki dovoljuje nespremenjeno reprodukcijo shranjenih informacij;
‘linked credit agreement’ means a credit agreement where
„povezana kreditna pogodba“ pomeni kreditno pogodbo, v kateri:
the credit in question serves exclusively to finance an agreement for the supply of specific goods or the provision of a specific service, and
je zadevni kredit namenjen izključno financiranju pogodbe o dobavi posebnega blaga ali opravljanju posebne storitve, in
those two agreements form, from an objective point of view, a commercial unit; a commercial unit shall be deemed to exist where the supplier or service provider himself finances the credit for the consumer or, if it is financed by a third party, where the creditor uses the services of the supplier or service provider in connection with the conclusion or preparation of the credit agreement, or where the specific goods or the provision of a specific service are explicitly specified in the credit agreement.
iz objektivnega stališča ti dve pogodbi sestavljata komercialno enoto; šteje se, da komercialna enota obstaja takrat, ko dobavitelj ali izvajalec storitev sam financira kredit za potrošnika ali ga financira tretja stranka, če dajalec kredita uporablja storitve dobavitelja ali izvajalca storitev v zvezi s sklenitvijo ali pripravo kreditne pogodbe ali kadar so posebne dobrine ali izvajanje posebnih storitev izrecno opredeljene v kreditni pogodbi.
INFORMATION AND PRACTICES PRELIMINARY TO THE CONCLUSION OF THE CREDIT AGREEMENT
INFORMACIJE IN PRAKSE PRED SKLENITVIJO KREDITNE POGODBE
Standard information to be included in advertising
Standardne informacije, ki se vključijo v oglaševanje
Any advertising concerning credit agreements which indicates an interest rate or any figures relating to the cost of the credit to the consumer shall include standard information in accordance with this Article.
Vsakršno oglaševanje v zvezi s kreditnimi pogodbami, kjer je navedena obrestna mera ali drugi podatki v zvezi s stroški kredita za potrošnika, vsebuje standardne informacije v skladu s tem členom.
This obligation shall not apply where national legislation requires the indication of the annual percentage rate of charge in advertising concerning credit agreements which does not indicate an interest rate or any figures relating to any cost of credit to the consumer within the meaning of the first subparagraph.
Ta obveznost ne velja, ko nacionalna zakonodaja zahteva navedbo efektivne obrestne mere za oglaševanje v zvezi s kreditnimi pogodbami, ki ne navaja obrestne mere ali drugih podatkov v zvezi s katerimi koli stroški kredita za potrošnika v smislu prvega pododstavka.
The standard information shall specify in a clear, concise and prominent way by means of a representative example:
Standardne informacije morajo opredeliti na jasen, jedrnat in pregleden način, s pomočjo reprezentativnega primera:
the borrowing rate, fixed or variable or both, together with particulars of any charges included in the total cost of the credit to the consumer;
posojilno obrestno mero, fiksno ali spremenljivo oziroma po potrebi obe, skupaj s podrobnostmi o kakršnih koli stroških, ki so vključeni v skupnem strošku kredita za potrošnika;
the total amount of credit;
skupni znesek kredita;
the annual percentage rate of charge; in the case of a credit agreement of the kind referred to in Article 2(3), Member States may decide that the annual percentage rate of charge need not be provided;
efektivno obrestno mero; v primeru kreditne pogodbe v smislu člena 2(3) lahko države članice določijo, da efektivne obrestne mere ni potrebno navesti;
if applicable, the duration of the credit agreement;
trajanje kreditne pogodbe, če je to potrebno;
in the case of a credit in the form of deferred payment for a specific good or service, the cash price and the amount of any advance payment; and
v primeru kredita v obliki odloga plačila za določeno blago ali storitev gotovinska cena in znesek vsakega vnaprejšnjega plačila; in
if applicable, the total amount payable by the consumer and the amount of the instalments.
po potrebi skupni znesek, ki ga mora plačati potrošnik, in višino obrokov.