natgillin/translations-raw huggingface dataset:
Despite the pre-contractual information to be provided, the consumer may still need additional assistance in order to decide which credit agreement, within the range of products proposed, is the most appropriate for his needs and financial situation.
Kljub obvezni zagotovitvi predpogodbenih informacij bo potrošnik morda potreboval še dodatno pomoč, da se bo lahko odločil, katera kreditna pogodba v okviru predlaganih proizvodov najbolj ustreza njegovim potrebam in finančnemu položaju.
Therefore, Member States should ensure that creditors provide such assistance in relation to the credit products which they offer to the consumer.
Zato bi morale države članice zagotoviti, da dajalci kreditov zagotavljajo takšno pomoč pri kreditnih proizvodih, ki jih nudijo potrošniku.
Where appropriate, the relevant pre-contractual information, as well as the essential characteristics of the products proposed, should be explained to the consumer in a personalised manner so that the consumer can understand the effects which they may have on his economic situation.
Po potrebi je treba potrošniku na njemu razumljiv način pojasniti ustrezne predpogodbene informacije in bistvene značilnosti predlaganih kreditnih proizvodov, tako da potrošnik lahko razume učinke, ki bi jih lahko imeli na njegov gospodarski položaj.
Where applicable, this duty to assist the consumer should also apply to credit intermediaries.
Po potrebi ta dolžnost nudenja pomoči potrošniku velja tudi za kreditne posrednike.
Member States could determine when and to what extent such explanations are to be given to the consumer, taking into account the particular circumstances in which the credit is offered, the consumer's need for assistance and the nature of individual credit products.
Države članice smejo določiti, kdaj in v kakšni meri bi bilo treba potrošnikom dati taka pojasnila, pri tem pa morajo upoštevati posebne okoliščine, v katerih se ponuja kredit, potrebe potrošnika po pomoči in naravo posameznega kreditnega proizvoda.
To assess the credit status of a consumer, the creditor should also consult relevant databases; the legal and actual circumstances may require that such consultations vary in scope.
Pri oceni kreditnega statusa potrošnika bi moral dajalec kredita uporabljati tudi ustrezne zbirke podatkov. Zaradi pravnih in dejanskih okoliščin se te lahko uporabijo v različnem obsegu.
To prevent any distortion of competition among creditors, it should be ensured that creditors have access to private or public databases concerning consumers in a Member State where they are not established under non-discriminatory conditions compared with creditors in that Member State.
Da bi preprečili izkrivljanje konkurence med dajalci kreditov, je treba poskrbeti, da imajo dajalci kreditov dostop do zasebnih ali javnih zbirk podatkov, ki se nanašajo na potrošnike v državi članici, v kateri nimajo sedeža, pod enakimi nediskriminatornimi pogoji kot dajalci kreditov v tej državi članici.
Where a decision to reject an application for credit is based on the consultation of a database, the creditor should inform the consumer of this fact and of the particulars of the database consulted.
Če je odločitev za zavrnitev vloge za kredit sprejeta na podlagi poizvedbe v zbirki podatkov, bi moral dajalec kredita obvestiti potrošnika o tem dejstvu in o informacijah o uporabljeni zbirki podatkov.
However, the creditor should not be obliged to give such information when this is prohibited by other Community legislation, for example legislation on money laundering or the financing of terrorism.
Vendar pa se od dajalca kredita ne bi smelo zahtevati posredovanje takšnih informacij, če to prepoveduje druga zakonodaja Skupnosti, na primer zakonodaja o pranju denarja ali financiranju terorizma.
Furthermore, such information should not be given if this would be contrary to objectives of public policy or public security, such as the prevention, investigation, detection or prosecution of criminal offences.
Poleg tega se takih informacij ne bi smelo posredovati, če je to v nasprotju s cilji na področju javnega reda in varnosti, kot je preprečevanje, preiskovanje, odkrivanje in pregon kaznivih dejanj.
This Directive does not regulate contract law issues related to the validity of credit agreements.
Ta direktiva ne ureja vprašanj pogodbenega prava v zvezi z veljavnostjo kreditnih pogodb.
Therefore, in that area, the Member States may maintain or introduce national provisions which are in conformity with Community law.
Zato lahko države članice na tem področju obdržijo ali sprejmejo nacionalne predpise v skladu s pravom Skupnosti.
Member States may regulate the legal regime governing the offer to conclude the credit agreement, in particular when it is to be given and the period during which it is to be binding on the creditor.
Države članice lahko urejajo pravni režim ponudbe za sklenitev kreditne pogodbe, zlasti kdaj naj se poda in obdobje, v katerem je ta za dajalca kredita zavezujoča.
If such an offer is made at the same time as the pre-contractual information provided for by this Directive is given, it should, like any additional information the creditor may wish to give to the consumer, be provided in a separate document which may be annexed to the Standard European Consumer Credit Information.
Če je takšna ponudba dana istočasno kot predpogodbene informacije, predvidene s to direktivo, bi morala biti, tako kot kakršne koli dodatne informacije, ki bi jih dajalec kredita želel posredovati potrošniku, predložena v ločenem dokumentu, ki se lahko priloži standardnim informacijam o evropskem potrošniškem kreditu.
In order to enable the consumer to know his rights and obligations under the credit agreement, it should contain all necessary information in a clear and concise manner.
Da bi potrošniku omogočili poznavanje svojih pravic in obveznosti iz kreditne pogodbe, bi morala ta na jasen in jedrnat način vsebovati vse potrebne informacije.
In order to ensure full transparency, the consumer should be provided with information concerning the borrowing rate, both at a pre-contractual stage and when the credit agreement is concluded.
Za zagotovitev popolne preglednosti bi bilo treba potrošnika seznaniti z informacijami o posojilni obrestni meri tako v predpogodbeni fazi kot tudi ob sklenitvi kreditne pogodbe.
During the contractual relationship, the consumer should further be informed of changes to the variable borrowing rate and changes to the payments caused thereby.
V času trajanja pogodbenega razmerja je treba potrošnika tudi obveščati o spremembah spremenljive posojilne obrestne mere in posledičnih spremembah plačil.
This is without prejudice to provisions of national law not related to consumer information which lay down conditions for, or prescribe the consequences of, changes, other than changes concerning payments, in borrowing rates and other economic conditions governing the credit, for instance rules providing that the creditor may change the borrowing rate only where there is a valid reason for such change or that the consumer may terminate the contract should there be a change in the borrowing rate or in some other economic condition concerning the credit.
To ne vpliva na določbe nacionalne zakonodaje, ki se ne nanašajo na obveščanje potrošnika, v katerem so določeni pogoji za spremembe oziroma posledice teh sprememb, razen v zvezi s spremembami glede plačil, ki se ne nanašajo na posojilne obrestne mere in druge ekonomske okoliščine v zvezi s kreditom, npr. pravila, da dajalec kredita lahko spremeni posojilno obrestno mero samo, če za to obstaja utemeljen razlog ali da potrošnik lahko odstopi od pogodbe v primeru spremembe posojilne obrestne mere ali drugega spremenjenega ekonomskega pogoja v zvezi s kreditom.
The contracting parties should have the right to effect a standard termination of an open-end credit agreement.
Pogodbene stranke bi morale imeti pravico, da na običajen način odpovedo odprto kreditno pogodbo.
In addition, if agreed in the credit agreement, the creditor should have the right to suspend the consumer's right to draw down on an open-end credit agreement for objectively justified reasons.
Poleg tega bi moral imeti dajalec kredita – če je tako dogovorjeno v kreditni pogodbi – pravico, da iz objektivno utemeljenih razlogov začasno odvzame potrošniku pravico do nadaljnjega črpanja na podlagi odprte kreditne pogodbe.
Such reasons may include, for instance, suspicion of an unauthorised or fraudulent use of the credit or a significantly increased risk of the consumer being unable to fulfil his obligation to repay the credit.
Takšni razlogi so lahko med drugimi sum, da gre za nedovoljeno ali goljufivo uporabo kredita ali občutno povečano tveganje, da potrošnik ne bo sposoben izpolniti svoje obveznosti odplačila kredita.
This Directive does not affect national law in the area of contract law regulating the rights of the contracting parties to terminate the credit agreement on the basis of a breach of contract.
Ta direktiva ne posega v nacionalno pravo na področju pogodbenega prava, ki ureja pravice pogodbenih strank do prekinitve kreditne pogodbe zaradi kršitve pogodbe.
In order to approximate the procedures for exercising the right of withdrawal in similar areas, it is necessary to make provision for a right of withdrawal without penalty and with no obligation to provide justification, under conditions similar to those provided for by Directive 2002/65/EC of the European Parliament and of the Council of 23 September 2002 concerning the distance marketing of consumer financial services.
Zaradi približevanja postopkov za uresničevanje pravice do odstopa od pogodbe na podobnih področjih je treba zagotoviti pravico do odstopa brez kazni in brez obveznosti utemeljitve, in sicer pod pogoji, podobnimi tistim, ki so določeni v Direktivi 2002/65/ES Evropskega parlamenta in Sveta z dne 23. septembra 2002 o trženju finančnih storitev potrošnikom na daljavo.
Where a consumer withdraws from a credit agreement in connection with which he has received goods, in particular from a purchase in instalments or from a hiring or leasing agreement providing for an obligation to purchase, this Directive should be without prejudice to any regulation by Member States of questions concerning the return of the goods or any related questions.
Če potrošnik odstopi od kreditne pogodbe, v povezavi s katero je prejel blago, zlasti od pogodbe o obročnem nakupu ali od najemne pogodbe ali pogodbe o lizingu, ki predvidevajo obveznost nakupa, ta direktiva ne bi smela posegati v predpise držav članic glede vračila blaga ali s tem povezanih vprašanj.
In some cases, national legislation already provides that funds cannot be made available to the consumer before the expiry of a specific deadline.
V nekaterih primerih nacionalna zakonodaja že določa, da potrošnik ne more razpolagati s sredstvi pred iztekom posebnega roka.
In these cases, consumers may wish to ensure that they receive the goods or services purchased early.
V teh primerih potrošnik morda želi zagotoviti pridobitev dobrin ali storitev, ki so bile že kupljene.
Therefore, in the case of linked credit agreements, Member States may exceptionally provide that, if the consumer explicitly wishes early receipt, the deadline for the exercise of the right of withdrawal could be reduced to the same deadline before which funds cannot be made available.
Zato lahko v primeru povezanih kreditnih pogodb države članice izjemoma določijo, da se, v kolikor potrošnik izrecno želi zgodnjo pridobitev, rok za uveljavitev pravice do odstopa lahko skrajša na isti rok, pred katerim sredstva ne morejo biti na razpolago.
In the case of linked credit agreements, a relationship of interdependence exists between the purchase of goods or services and the credit agreement concluded for that purpose.
V primeru povezanih kreditnih pogodb obstaja razmerje medsebojne odvisnosti med nabavo blaga ali storitev in kreditno pogodbo, sklenjeno v ta namen.
Therefore, where the consumer exercises his right of withdrawal in respect of the purchase agreement, based on Community law, he should no longer be bound by the linked credit agreement.
Če torej potrošnik uveljavi na zakonodaji Skupnosti temelječo pravico do odstopa od kupne pogodbe, bi morala povezana kreditna pogodba potrošnika prenehati zavezovati.
This should not affect national law applicable to linked credit agreements in cases where a purchase agreement has been voided or where the consumer has exercised his right of withdrawal based on national law.
To ne bi smelo vplivati na nacionalno zakonodajo, ki se uporablja za povezane kreditne pogodbe, v primerih, ko je bila kupna pogodba razveljavljena ali ko je potrošnik izkoristil svojo pravico do odstopa na podlagi nacionalnega prava.
Nor should this affect the rights of consumers granted by national provisions according to which no commitment may be entered into between the consumer and a supplier of goods or services, nor any payment made between those persons, as long as the consumer has not signed the credit agreement to finance the purchase of the goods or services.
Prav tako to ne bi smelo vplivati na pravice potrošnikov, ki jih zagotavljajo nacionalne določbe, po katerih ni mogoče vzpostaviti nikakršnih obveznosti med potrošnikom in dobaviteljem blaga ali storitev niti opraviti nobenega plačila med temi osebami, dokler potrošnik ni podpisal kreditne pogodbe za financiranje nakupa blaga ali storitev.
Under certain conditions, the consumer should be allowed to pursue remedies against the creditor in the event of problems related to the purchase agreement.
Potrošnik bi moral pod določenimi pogoji imeti možnost uporabe pravnih sredstev zoper dajalca kreditov v primeru težav, povezanih s to kupno pogodbo.
However, Member States should determine to what extent and under what conditions the consumer is required to pursue his remedies against the supplier, in particular by bringing an action against the latter, before being in a position to pursue them against the creditor.
Vendar bi morale države članice opredeliti, v kakšni meri in pod katerimi pogoji mora potrošnik uporabiti pravna sredstva zoper dobavitelja, zlasti z vložitvijo tožbe zoper slednjega, preden jih lahko uporabi zoper dajalca kredita.
This Directive should not deprive consumers of their rights under national provisions attaching joint and several liability to the seller or supplier of services and to the creditor.
Ta direktiva potrošniku ne bi smela odvzeti pravic, ki mu jih dajejo nacionalni predpisi, ki se nanašajo na skupno in solidarno odgovornost prodajalca ali izvajalca storitev in dajalca kreditov.
The consumer should have the right to discharge his obligations before the date agreed in the credit agreement.
Potrošnik bi moral imeti pravico, da svoje obveznosti poravna pred datumom, dogovorjenim v kreditni pogodbi.
In the case of early repayment, either in part or in full, the creditor should be entitled to compensation for the costs directly linked to the early repayment, taking into account also any savings thereby made by the creditor.
V primeru predčasnega odplačila, bodisi delno bodisi v celoti, bi moral biti dajalec kredita upravičen do nadomestila za stroške, neposredno povezane s predčasnim odplačilom, pri čemer bi se morali upoštevati tudi morebitni prihranki dajalca kredita.
However, in order to determine the method of calculating the compensation, it is important to respect several principles.
Vendar je pri določitvi načina za izračun nadomestila pomembno, da se spoštuje več načel.
The calculation of the compensation due to the creditor should be transparent and comprehensible to consumers already at the pre-contractual stage and in any case during the performance of the credit agreement.
Izračun nadomestila za dajalca kredita bi moral biti za potrošnika pregleden in razumljiv že v predpogodbeni fazi, vsekakor pa med izvajanjem kreditne pogodbe.
In addition, the calculation method should be easy for creditors to apply, and supervisory control of the compensation by the responsible authorities should be facilitated.
Poleg tega bi morala biti metoda izračunavanja enostavna za uporabo tudi za dajalce kreditov ter omogočati pristojnim nadzornim organom nadzor nad nadomestili.
Therefore, and due to the fact that consumer credit is, given its duration and volume, not financed by long-term funding mechanisms, the ceiling for the compensation should be fixed in terms of a flat-rate amount.
Spričo dejstva, da se potrošniški kredit glede na trajanje in višino ne financira z dolgoročnejšimi mehanizmi financiranja, se torej najvišje dovoljeno nadomestilo določi pavšalno.
This approach reflects the special nature of credits for consumers and should not prejudice the possibly different approach in respect of other products which are financed by long-term funding mechanisms, such as fixed-rate mortgage loans.
Ta pristop odraža posebnost potrošniških kreditov in ne bi smel vplivati na morebiten drugačen pristop pri drugih proizvodih, ki se financirajo z dolgoročnejšimi mehanizmi financiranja, na primer pri hipotekarnih posojilih s fiksno obrestno mero.
Member States should have the right to provide that compensation for early repayment may be claimed by the creditor only on condition that the amount repaid over a 12-month period exceeds a threshold defined by Member States.
Države članice bi morale imeti možnost določiti, da lahko dajalec kredita nadomestilo za predčasno odplačilo zahteva samo pod pogojem, da znesek odplačila v dvanajstih mesecih preseže prag, ki ga določijo države članice.
When fixing that threshold, which should not exceed EUR 10000, Member States should for instance take into account the average amount of consumer credits in their market.
Pri določitvi praga, ki naj ne preseže 10000 EUR, bi države članice na primer lahko upoštevale povprečni znesek potrošniških kreditov na svojem trgu.
Assignment of the creditor's rights under a credit agreement should not have the effect of placing the consumer in a less favourable position.
Prenos pravic, ki jih ima dajalec kredita po kreditni pogodbi, ne bi smel spraviti potrošnika v manj ugoden položaj.
The consumer should also be properly informed when the credit agreement is assigned to a third party.
Potrošnika bi bilo treba ustrezno obvestiti tudi, ko se kreditna pogodba prenese na tretjo stranko.
However, where the initial creditor, in agreement with the assignee, continues to service the credit vis-à-vis the consumer, the consumer has no significant interest in being informed of the assignment.
Če pa začetni dajalec kredita v dogovoru s prejemnikom odstopljene pravice v razmerju do potrošnika še vedno servisira kredit, potrošnik nima večjega interesa, da bi bil o prenosu obveščen.
Therefore, a requirement at EU level that the consumer be informed of the assignment in such cases would be excessive.
Zato bi bila zahteva na ravni EU po obveščanju potrošnika o prenosu v takem primeru lahko odvečna.
Member States should remain free to maintain or introduce national rules providing for collective forms of communication when this is necessary for purposes relating to the effectiveness of complex transactions such as securitisations or liquidation of assets that take place in the compulsory administrative liquidation of banks.
Države članice bi morale imeti možnost izbire, ali bodo ohranile oziroma sprejele svoja pravila glede kolektivnih oblik obveščanja, če je to potrebno za zagotavljanje učinkovitosti pri kompleksnih transakcijah, kot so sekuritizacija ali likvidacija sredstev, ki se izvajajo pri prisilni administrativni likvidaciji bank.
In order to promote the establishment and functioning of the internal market and to ensure a high degree of protection for consumers throughout the Community, it is necessary to ensure the comparability of information relating to annual percentage rates of charge throughout the Community.
Za pospeševanje vzpostavitve in delovanja notranjega trga in zagotovitev visoke ravni varstva potrošnikov v vsej Skupnosti je treba zagotoviti primerljivost informacij o stroških efektivnih obrestnih merah v vsej Skupnosti.
Despite the uniform mathematical formula for its calculation, the annual percentage rate of charge provided for in Directive 87/102/EEC is not yet fully comparable throughout the Community.
Kljub enotni matematični formuli za izračun letnega odstotka obresti, kot je določen v Direktivi 87/102/EGS, ta še ni povsem primerljiv v vsej Skupnosti.
In individual Member States different cost factors are taken into account in the calculation thereof.
V posameznih državah članicah se pri njegovem izračunu upoštevajo različni dejavniki, ki vplivajo na stroške.
This Directive should therefore clearly and comprehensively define the total cost of a credit to the consumer.
Ta direktiva mora zato jasno in izčrpno opredeliti celoten strošek kredita, ki bremeni potrošnika.
In order to ensure market transparency and stability, and pending further harmonisation, Member States should ensure that appropriate measures for the regulation or supervision of creditors are in place.
Za zagotovitev preglednosti in stabilnosti trga ter glede na nadaljnjo harmonizacijo bi morale države članice zagotoviti ustrezne ukrepe za vzpostavitev regulacije ali nadzora nad dajalci kreditov.
This Directive respects fundamental rights and observes the principles recognised in particular by the Charter of Fundamental Rights of the European Union.
Ta direktiva spoštuje temeljne pravice in upošteva načela, priznana zlasti v Listini Evropske unije o temeljnih pravicah.
In particular, this Directive seeks to ensure full respect for the rules on protection of personal data, the right to property, non-discrimination, protection of family and professional life, and consumer protection pursuant to the Charter of Fundamental Rights of the European Union.
Ta direktiva si še zlasti prizadeva, da bi zagotovila polno spoštovanje pravil o varovanju osebnih podatkov, pravice do lastnine, nediskriminacije, varovanja družinskega in poklicnega življenja in varstva potrošnikov v skladu z Listino Evropske unije o temeljnih pravicah.
Since the objective of this Directive, namely the establishment of common rules for certain aspects of the laws, regulations and administrative provisions of the Member States concerning consumer credit, cannot be sufficiently achieved by the Member States and can therefore be better achieved at Community level, the Community may adopt measures, in accordance with the principle of subsidiarity as set out in Article 5 of the Treaty.
Ker države članice ne morejo v zadostni meri doseči cilja ukrepov, ki naj bi jih izvedle, to je določitev skupnih pravil za nekatere vidike zakonov, predpisov in upravnih določb v zvezi s potrošniškimi krediti, in jih je zato lahko bolje doseči na ravni Skupnosti, lahko Skupnost sprejme ukrepe v skladu z načelom subsidiarnosti, kakor je navedeno v členu 5 Pogodbe.
In accordance with the principle of proportionality, as set out in that Article, this Directive does not go beyond what is necessary in order to achieve that objective.
V skladu z načelom sorazmernosti, navedenim v istem členu, ta direktiva ne presega tistega, kar je potrebno za doseganje teh ciljev.
Member States should lay down rules on penalties applicable to infringements of the national provisions adopted pursuant to this Directive and ensure that they are implemented.
Države članice bi morale predpisati pravila za kazni za kršitve nacionalnih določb, sprejetih v skladu s to direktivo, in zagotoviti njihovo izvajanje.
While the choice of penalties remains within the discretion of the Member States, the penalties provided for should be effective, proportionate and dissuasive.
Čeprav izbira kazni ostaja v pristojnosti držav članic, bi morale biti predpisane kazni učinkovite, sorazmerne in odvračilne.
In particular, the Commission should be empowered to adopt additional assumptions for the calculation of the annual percentage rate of charge.
Zlasti bi bilo treba Komisiji podeliti pooblastila za sprejetje dodatnih predpostavk za izračun efektivne obrestne mere.