natgillin/translations-raw huggingface dataset:
Member States should therefore not be allowed to maintain or introduce national provisions other than those laid down in this Directive.
Državam članicam se torej ne bi smelo dovoliti, da obdržijo ali uvedejo druge nacionalne določbe kot tiste, določene s to direktivo.
However, such restriction should only apply where there are provisions harmonised in this Directive.
Vendar naj bi se ta omejitev uporabljala samo za določbe, usklajene v tej direktivi.
Where no such harmonised provisions exist, Member States should remain free to maintain or introduce national legislation.
V primerih, ko ne obstajajo takšne usklajene določbe, bi se morale države članice same odločiti, ali bodo obdržale ali sprejele nacionalno zakonodajo.
Accordingly, Member States may, for instance, maintain or introduce national provisions on joint and several liability of the seller or the service provider and the creditor.
Prav tako lahko države članice na primer obdržijo ali sprejmejo nacionalne določbe o skupni in solidarni odgovornosti prodajalca ali izvajalca storitev in dajalca kreditov.
Another example of this possibility for Member States could be the maintenance or introduction of national provisions on the cancellation of a contract for the sale of goods or supply of services if the consumer exercises his right of withdrawal from the credit agreement.
Dodaten primer te možnosti, ki jo imajo države članice, bi bila lahko ohranitev ali sprejem nacionalnih določb o razveljavitvi pogodbe o prodaji blaga ali opravljanju storitev, če potrošnik uveljavlja svojo pravico do odstopa od kreditne pogodbe.
In this respect Member States, in the case of open-end credit agreements, should be allowed to fix a minimum period needing to elapse between the time when the creditor asks for reimbursement and the day on which the credit has to be reimbursed.
V tem smislu bi bilo treba državam članicam za odprte kreditne pogodbe omogočiti, da določijo minimalni časovni razmak, ki mora preteči med trenutkom, ko dajalec kredita zahteva povračilo, in dnem, ko mora biti kredit odplačan.
The definitions contained in this Directive determine the scope of harmonisation.
Opredelitve iz te direktive določajo obseg uskladitve.
The obligation on Member States to implement the provisions of this Directive should therefore be limited to its scope as determined by those definitions.
Obveznost držav članic za izvajanje določb te direktive bi se torej morala omejiti na področje njene uporabe, kakor je določeno v teh opredelitvah.
However, this Directive should be without prejudice to the application by Member States, in accordance with Community law, of the provisions of this Directive to areas not covered by its scope.
Ta direktiva pa ne bi smela posegati v uporabo določb te direktive s strani držav članic v skladu z zakonodajo Skupnosti za področja, ki jih ne ureja.
A Member State could thereby maintain or introduce national legislation corresponding to the provisions of this Directive or certain of its provisions on credit agreements outside the scope of this Directive, for instance on credit agreements involving amounts less than EUR 200 or more than EUR 75000. Furthermore, Member States could also apply the provisions of this Directive to linked credit which does not fall within the definition of a linked credit agreement as contained in this Directive.
S tem bi država članica lahko obdržala ali sprejela nacionalno zakonodajo, ki je skladna z določbami te direktive ali nekaterimi njenimi določbami o kreditnih pogodbah izven področja uporabe te direktive, na primer o kreditnih pogodbah, pri katerih je vrednost kredita manj kot 200 EUR ali več kot 75000 EUR. Poleg tega bi lahko države članice uporabljale določbe te direktive tudi za povezan kredit, ki ni zajet v opredelitvi „povezane kreditne pogodbe“ iz te direktive.
Thus, the provisions on linked credit agreements could be applied to credit agreements that serve only partially to finance a contract for the supply of goods or provision of a service.
Tako bi se lahko določbe o povezani kreditni pogodbi uporabljale za kreditne pogodbe, ki so le delno namenjene financiranju pogodbe o dobavi blaga ali opravljanju storitve.
In the case of specific credit agreements to which only some provisions of this Directive are applicable, Member States should not be allowed to adopt national legislation implementing other provisions of this Directive.
Za primere posebnih kreditnih pogodb, za katere se uporablja le nekaj določb te direktive, se državam članicam ne bi smelo dovoliti, da sprejmejo nacionalne zakone za izvajanje drugih določb te direktive.
However, Member States should remain free to regulate, in their national legislation, such types of credit agreements as regards other aspects not harmonised by this Directive.
Same pa bi smele v nacionalnih zakonih še naprej urejati te vrste kreditnih pogodb v zvezi z drugimi vidiki, ki jih ta direktiva ni uskladila.
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 them for the duration of their provision by means of instalments, may differ considerably, in terms of the interests of the contractual parties involved, and the modalities and performance of the transactions, from credit agreements covered by this Directive.
Pogodbe za stalno opravljanje storitev ali dobavo blaga enake vrste, za katerega potrošnik v času njihovega zagotavljanja plačuje v obliki obročnih odplačil, se lahko od kreditnih pogodb, urejenih s to direktivo, močno razlikujejo v smislu interesov zadevnih pogodbenih strank ter načinov in izvajanja transakcij.
Therefore, it should be clarified that such agreements are not regarded as credit agreements for the purposes of this Directive.
Zato bi bilo treba pojasniti, da se takšne pogodbe ne štejejo kot kreditne pogodbe za namene te direktive.
Such types of agreement include, for example, an insurance contract where the insurance is paid for in monthly instalments.
Takšne vrste pogodb vključujejo na primer zavarovalno pogodbo, pri kateri se zavarovanje plačuje v obliki mesečnih obrokov.
This Directive should not apply to certain types of credit agreement, such as deferred debit cards, under the terms of which the credit has to be repaid within three months and only insignificant charges are payable.
Ta direktiva se ne bi smela uporabljati za določeno vrsto kreditne pogodbe, kot je bančna kartica z odlogom plačila, pod pogoji, pod katerimi se mora kredit odplačati v treh mesecih in se plačajo le neznatni stroški.
Credit agreements covering the granting of credit secured by real estate should be excluded from the scope of this Directive.
Kreditne pogodbe, ki zajemajo podeljevanje kreditov, zavarovanih z nepremičnino, bi morale biti izključene iz področja uporabe te direktive.
That type of credit is of a very specific nature.
Ta vrsta kredita je zelo posebne vrste.
Also, credit agreements the purpose of which is to finance the acquisition or retention of property rights in land or in an existing or projected building should be excluded from the scope of this Directive.
Iz področja uporabe te direktive bi morale biti izključene tudi kreditne pogodbe, katerih namen je financiranje pridobitve ali ohranitve lastninskih pravic na zemljiščih ali na obstoječih ali načrtovanih zgradbah.
However, credit agreements should not be excluded from the scope of this Directive only because their purpose is the renovation or increase of value of an existing building.
Vendar pa kreditnih pogodb ne bi smeli izključiti iz področja uporabe te direktive, če so namenjene samo obnovi ali povečanju vrednosti obstoječe zgradbe.
The provisions of this Directive apply irrespective of whether the creditor is a legal person or a natural person.
Določbe te direktive se uporabljajo ne glede na to, ali je dajalec kredita pravna ali fizična oseba.
However, this Directive does not affect the right of Member States to limit, in conformity with Community law, the provision of credit for consumers to legal persons only or to certain legal persons.
Ta direktiva pa ne vpliva na pravico držav članic, da v skladu z zakonodajo Skupnosti omejijo dajanje potrošniških kreditov samo na pravne osebe ali samo na določene pravne osebe.
Certain provisions of this Directive should apply to natural and legal persons (credit intermediaries) who, in the course of their trade, business or profession, for a fee, present or offer credit agreements to consumers, assist consumers by undertaking preparatory work in respect of credit agreements or conclude credit agreements with consumers on behalf of the creditor.
Nekatere določbe te direktive bi bilo treba uporabljati za fizične in pravne osebe (kreditne posrednike), ki v okviru svoje dejavnosti, poslovanja ali stroke v zameno za plačilo potrošnikom predstavljajo ali ponujajo kreditne pogodbe, pomagajo potrošnikom pri pripravljanju kreditne pogodbe ali v imenu dajalca kredita s potrošniki sklepajo kreditne pogodbe.
Organisations which allow their identity to be used in promoting credit products, such as credit cards, and which may also recommend those products to their members should not be regarded as credit intermediaries for the purposes of this Directive.
Organizacije, ki dovolijo, da se njihova identiteta uporabi pri promociji kreditnih proizvodov, kot so kreditne kartice, in ki lahko te proizvode priporočijo tudi svojim članom, se za namene te direktive ne bi smeli obravnavati kot kreditni posredniki.
This Directive regulates only certain obligations of credit intermediaries in relation to consumers.
Ta direktiva ureja le nekatere obveznosti kreditnih posrednikov do potrošnikov.
Member States should therefore remain free to maintain or introduce additional obligations incumbent on credit intermediaries, including the conditions under which a credit intermediary may receive fees from a consumer who has requested his service.
Državam članicam bi bilo zato treba še naprej pustiti možnost, da obdržijo ali uvedejo dodatne obveznosti, ki bremenijo kreditne posrednike, vključno s pogoji, pod katerimi lahko kreditni posrednik prejme pristojbino od potrošnika, ki je zahteval njegove storitve.
Consumers should be protected against unfair or misleading practices, in particular with respect to the disclosure of information by the creditor, in line with Directive 2005/29/EC of the European Parliament and of the Council of 11 May 2005 concerning unfair business-to-consumer commercial practices in the internal market (‘Unfair Commercial Practices Directive).
Potrošnike bi bilo treba varovati pred nelojalno ali zavajajočo prakso, kakršna je predvsem razkrivanje podatkov s strani dajalca kredita, in sicer v skladu z Direktivo 2005/29/ES Evropskega parlamenta in Sveta z dne 11. maja 2005 o nepoštenih poslovnih praksah podjetij v razmerju do potrošnikov na notranjem trgu („Direktiva o nepoštenih poslovnih praksah“).
However, this Directive should contain specific provisions on advertising concerning credit agreements as well as certain items of standard information to be provided to consumers in order to enable them, in particular, to compare different offers.
Vendar bi morala ta direktiva zajemati posebne določbe za oglaševanje kreditnih pogodb in določene postavke standardnih informacij, ki se morajo zagotoviti potrošnikom zlasti zato, da lahko primerjajo različne ponudbe.
Such information should be given in a clear, concise and prominent way by means of a representative example.
Takšne informacije bi morale biti podane jasno, jedrnato in pregledno s pomočjo reprezentativnega primera.
A ceiling should be provided where it is not possible to indicate the total amount of credit as the total sums made available, in particular where a credit agreement gives the consumer freedom of drawdown with a limitation with regard to the amount.
Najvišja dovoljena meja bi morala biti določena tam, kjer ni možno navesti skupnega zneska kredita kot vsote vseh zneskov, zlasti kadar kreditna pogodba daje potrošniku možnost črpanja z omejitvijo glede na znesek.
The ceiling should indicate the upper limit of credit which can be made available to the consumer.
Najvišja dovoljena meja bi morala navajati zgornjo mejo kredita, ki se lahko da na razpolago potrošniku.
In addition, Member States should remain free to regulate information requirements in their national law regarding advertising which does not contain information on the cost of the credit.
Hkrati bi morale imeti države članice še naprej možnost, da v nacionalni zakonodaji same določijo pogoje v zvezi z informacijami glede oglaševanja, ki ne vsebuje podatkov o stroških kredita.
In order to enable consumers to make their decisions in full knowledge of the facts, they should receive adequate information, which the consumer may take away and consider, prior to the conclusion of the credit agreement, on the conditions and cost of the credit and on their obligations.
Da bi se potrošniki lahko odločali ob polnem poznavanju dejstev, bi morali še pred sklenitvijo kreditne pogodbe dobiti ustrezne podatke, ki jih lahko potrošnik odnese s seboj in preuči, o pogojih in stroških kredita ter svojih obveznostih.
To ensure the fullest possible transparency and comparability of offers, such information should, in particular, include the annual percentage rate of charge applicable to the credit, determined in the same way throughout the Community.
Za zagotovitev kar največje preglednosti in primerljivosti ponudb bi morali ti podatki vsebovati predvsem strošek efektivne obrestne mere za ta kredit, ki bi jo bilo treba v vsej Skupnosti določiti na enak način.
As the annual percentage rate of charge can at this stage be indicated only through an example, such example should be representative.
Ker se v tej fazi efektivna obrestna mera lahko navede samo s primerom, mora biti ta primer reprezentativen.
Therefore, it should correspond, for instance, to the average duration and total amount of credit granted for the type of credit agreement under consideration and, if applicable, to the goods purchased.
Zato mora na primer ustrezati povprečnemu trajanju in skupnemu znesku kredita, odobrenemu za obravnavan tip kreditne pogodbe in, če je potrebno, naročenemu blagu.
When determining the representative example, the frequency of certain types of credit agreement in a specific market should also be taken into account.
Pri določitvi reprezentativnega primera je treba upoštevati pogostost določenih tipov kreditne pogodbe na določenem trgu.
As regards the borrowing rate, the frequency of instalments and the capitalisation of interest, creditors should use their conventional method of calculation for the consumer credit concerned.
Pri določitvi posojilne obrestne mere, pogostosti obrokov in kapitalizacije obresti bi morali dajalci kredita uporabljati ustaljen način izračuna za zadevni potrošniški kredit.
The total cost of the credit to the consumer should comprise all the costs, including interest, commissions, taxes, fees for credit intermediaries and any other fees which the consumer has to pay in connection with the credit agreement, except for notarial costs.
Skupni stroški kredita za potrošnika bi morali zajemati vse stroške, tudi obresti, provizije, davke, pristojbine za kreditne posrednike in vse druge pristojbine, ki jih mora potrošnik plačati v zvezi s kreditno pogodbo, razen notarskih stroškov.
Creditors’ actual knowledge of the costs should be assessed objectively, taking into account the requirements of professional diligence.
Treba bi bilo objektivno oceniti, v kolikšni meri dajalec kreditov dejansko pozna stroške, pri tem pa upoštevati zahteve poklicne skrbnosti.
Credit agreements in which a borrowing rate is periodically revised in line with changes occurring in a reference rate referred to in the credit agreement should not be regarded as credit agreements with a fixed borrowing rate.
Kreditne pogodbe, pri katerih se posojilna obrestna mera periodično revidira v skladu s spremembami referenčne obrestne mere, navedene v kreditni pogodbi, se ne bi smele šteti za kreditne pogodbe s fiksno posojilno obrestno mero.
Member States should remain free to maintain or introduce national provisions prohibiting the creditor from requiring the consumer, in connection with the credit agreement, to open a bank account or conclude an agreement in respect of another ancillary service, or to pay the expenses or fees for such bank accounts or other ancillary services.
Državam članicam bi bilo treba še naprej pustiti možnost, da obdržijo ali uvedejo nacionalne določbe, ki dajalcu kredita prepovedujejo od potrošnika zahtevati, da v zvezi s kreditno pogodbo odpre bančni račun ali sklene dogovor o kakšni drugi pomožni storitvi oziroma da plača stroške ali pristojbine za take bančne račune ali druge pomožne storitve.
In those Member States where such combined offers are allowed, consumers should be informed before the conclusion of the credit agreement about any ancillary services which are compulsory in order for the credit to be obtained in the first place or on the terms and conditions marketed.
V državah članicah, kjer so take kombinirane ponudbe dovoljene, bi bilo treba potrošnike še pred sklenitvijo kreditne pogodbe obvestiti o kakršnih koli pomožnih storitvah, ki so obvezne že za samo pridobitev kredita ali pod pogoji, ki se tržijo.
The costs payable in respect of those ancillary services should be included in the total cost of the credit; alternatively, if the amount of such costs cannot be determined in advance, consumers should receive adequate information about the existence of costs at a pre-contractual stage.
Stroški teh pomožnih storitev bi morali biti vključeni v skupne stroške kredita ali, če zneska teh stroškov ni mogoče določiti vnaprej, bi morali potrošniki v predpogodbeni fazi dobiti ustrezne informacije o tem, da stroški obstajajo.
The creditor must be presumed to have knowledge of the costs of the ancillary services which he offers to the consumer himself, or on behalf of a third party, unless the price thereof depends on the specific characteristics or situation of the consumer.
Za dajalca kreditov bi se moralo domnevati, da pozna stroške pomožnih storitev, ki jih sam ali v imenu tretje osebe nudi potrošniku, razen če je cena odvisna od posebnih značilnosti ali položaja potrošnika.
For specific types of credit agreements, however, it is appropriate, in order to ensure an adequate level of consumer protection without placing an excessive burden on creditors or, where applicable, credit intermediaries, to restrict the pre-contractual information requirements of this Directive, taking into account the specific character of such types of agreements.
Za določene vrste kreditnih pogodb pa je primerno omejiti predpogodbene zahteve iz te direktive ob upoštevanju posebne narave tovrstnih pogodb, da se obenem zagotovi ustrezna raven varstva potrošnikov brez prevelikega obremenjevanja dajalcev kreditov oziroma, kadar je primerno, kreditnih posrednikov.
The consumer needs to be given comprehensive information before he concludes the credit agreement, regardless of whether or not a credit intermediary is involved in the marketing of the credit.
Potrošnika je treba pred sklenitvijo kreditne pogodbe podrobno informirati, ne glede na to, ali je v trženje kredita vključen kreditni posrednik ali ne.
Therefore, in general, the pre-contractual information requirements should also apply to credit intermediaries.
Zato bi morale zahteve po predpogodbenih informacijah na splošno veljati tudi za kreditne posrednike.
However, where suppliers of goods and services act as credit intermediaries in an ancillary capacity, it is not appropriate to burden them with the legal obligation to provide the pre-contractual information in accordance with this Directive.
Vendar če delujejo dobavitelji blaga in storitev kot kreditni posredniki v pomožni funkciji, jih ni primerno obremenjevati s pravno obveznostjo dajanja predpogodbenih informacij v skladu s to direktivo.
Suppliers of goods and services may be deemed, for example, to be acting as credit intermediaries in an ancillary capacity if their activity as credit intermediaries is not the main purpose of their trade, business or profession.
Dobavitelji blaga in storitev se lahko na primer štejejo kot kreditni posredniki v pomožni funkciji, če njihova dejavnost kreditnega posredništva ni glavni namen njihove dejavnosti, poslovanja ali stroke.
In those cases, a sufficient level of consumer protection is still achieved since the creditor is responsible for ensuring that the consumer receives the full pre-contractual information, either from the intermediary, if the creditor and the intermediary so agree, or in some other appropriate manner.
V teh primerih se še vedno dosega dovolj visoka raven varstva potrošnika, saj je dajalec kredita odgovoren za to, da potrošnik pred pogodbo prejme celovite informacije, bodisi od posrednika, če se dajalec kredita in posrednik tako dogovorita, bodisi na drug ustrezen način.
The potentially binding character of the information to be provided to the consumer prior to the conclusion of the credit agreement and the period of time during which the creditor is to be bound by it may be regulated by the Member States.
Morebiten zavezujoči značaj informacij, ki jih potrošnik prejme pred sklenitvijo kreditne pogodbe, in časovno obdobje, v katerem so te za dajalca kredita zavezujoče, lahko določijo države članice.
Member States should take appropriate measures to promote responsible practices during all phases of the credit relationship, taking into account the specific features of their credit market.
Države članice bi morale sprejeti ustrezne ukrepe za spodbujanje odgovornega ravnanja v vseh fazah kreditnega razmerja ob upoštevanju posebnosti svojih kreditnih trgov.
Those measures may include, for instance, the provision of information to, and the education of, consumers, including warnings about the risks attaching to default on payment and to over-indebtedness.
Ti ukrepi vključujejo na primer določbe o obveščanju in izobraževanju potrošnikov, vključno z opozorili glede tveganja v primeru zamude plačila in prevelikih zadolžitev.
In the expanding credit market, in particular, it is important that creditors should not engage in irresponsible lending or give out credit without prior assessment of creditworthiness, and the Member States should carry out the necessary supervision to avoid such behaviour and should determine the necessary means to sanction creditors in the event of their doing so.
Še zlasti na rastočem kreditnem trgu je pomembno, da se dajalci kreditov ne spuščajo v neodgovorno posojanje ali izdajanje kreditov brez poprejšnje ocene kreditne sposobnosti, države članice pa bi morale izvajati potreben nadzor, da se izogne takšnemu ravnanju, in bi morale določiti potrebne ukrepe za sankcioniranje dajalcev kredita, v kolikor bi tako ravnali.
Without prejudice to the credit risk provisions of Directive 2006/48/EC of the European Parliament and of the Council of 14 June 2006 relating to the taking up and pursuit of the business of credit institutions, creditors should bear the responsibility of checking individually the creditworthiness of the consumer.
Brez poseganja v določbe Direktive 2006/48/ES Evropskega parlamenta in Sveta z dne 14. junija 2006 o začetku opravljanja in opravljanju dejavnosti kreditnih institucij o kreditnem tveganju bi morali biti dajalci kreditov odgovorni za individualna preverjanja kreditne sposobnosti potrošnikov.
To that end, they should be allowed to use information provided by the consumer not only during the preparation of the credit agreement in question, but also during a long-standing commercial relationship.
V ta namen bi morali imeti možnost uporabe informacij, ki jih posredujejo potrošniki, ne samo med pripravo zadevne kreditne pogodbe, temveč tudi v času dolgotrajnega trgovinskega odnosa.
The Member States' authorities could also give appropriate instructions and guidelines to creditors.
Organi držav članic bi lahko dali ustrezna navodila in smernice tudi dajalcem kredita.
Consumers should also act with prudence and respect their contractual obligations.
Prav tako pa morajo tudi potrošniki ravnati preudarno in spoštovati svoje pogodbene obveznosti.