natgillin/translations-raw huggingface dataset:
pay to the creditor the capital and the interest accrued thereon from the date the credit was drawn down until the date the capital is repaid, without any undue delay and no later than 30 calendar days after the despatch by him to the creditor of notification of the withdrawal.
dajalcu kredita odplača glavnico in obresti, obračunane na to glavnico od dneva, ko je bil kredit črpan, do dneva, ko je glavnica odplačana, brez nepotrebnega odlašanja, najpozneje pa v roku 30 koledarskih dni potem, ko je bilo dajalcu kredita poslano obvestilo o odstopu.
The interest shall be calculated on the basis of the agreed borrowing rate.
Zapadle obresti se izračunajo na podlagi dogovorjene posojilne obrestne mere.
The creditor shall not be entitled to any other compensation from the consumer in the event of withdrawal, except compensation for any non-returnable charges paid by the creditor to any public administrative body.
Dajalec kredita v primeru odstopa ni upravičen do nobenega drugega nadomestila s strani potrošnika, razen nadomestila za kakršne koli nepovratne stroške, ki jih dajalec kredita plača kateremu koli javnemu upravnemu organu.
If an ancillary service relating to the credit agreement is provided by the creditor or by a third party on the basis of an agreement between the third party and the creditor, the consumer shall no longer be bound by the ancillary service contract if the consumer exercises his right of withdrawal from the credit agreement in accordance with this Article.
Če dajalec kredita ali tretja oseba na podlagi dogovora med tretjo osebo in dajalcem kredita opravi pomožno storitev, povezano s kreditno pogodbo, potrošnika ta pomožna storitev preneha zavezovati, če uveljavi pravico do odstopa od kreditne pogodbe v skladu s tem členom.
If the consumer has a right of withdrawal under paragraphs 1, 3 and 4, Articles 6 and 7 of Directive 2002/65/EC and Article 5 of Council Directive 85/577/EEC of 20 December 1985 to protect the consumer in respect of contracts negotiated away from business premises shall not apply.
Če ima potrošnik pravico do odstopa v skladu z odstavki 1, 3 in 4, se člena 6 in 7 Direktive 2002/65/ES in člen 5 Direktive Sveta 85/577/EGS z dne 20. decembra 1985 za varstvo potrošnika v primeru pogodb, sklenjenih zunaj poslovnih prostorov, ne uporabljajo.
Member States may provide that paragraphs 1 to 4 of this Article shall not apply to credit agreements which by law are required to be concluded through the services of a notary, provided that the notary confirms that the consumer is guaranteed the rights provided for under Articles 5 and 10.
Države članice lahko določijo, da se odstavki 1 do 4 tega člena ne uporabljajo za kreditne pogodbe, ki morajo po zakonu biti sklenjene s pomočjo notarja, če notar potrdi, da so potrošniku zagotovljene pravice iz členov 5 in 10.
This Article shall be without prejudice to any rule of national law establishing a period of time during which the performance of the contract may not begin.
Ta člen ne posega v katero koli določbo nacionalne zakonodaje, ki določa časovno obdobje, v katerem se pogodba ne more začeti izvajati.
Linked credit agreements
Povezana kreditna pogodba
Where the consumer has exercised a right of withdrawal, based on Community law, concerning a contract for the supply of goods or services, he shall no longer be bound by a linked credit agreement.
Če potrošnik uveljavi na zakonodaji Skupnosti temelječo pravico do odstopa od pogodbe o dobavi blaga ali storitev, ga povezana kreditna pogodba preneha zavezovati.
Where the goods or services covered by a linked credit agreement are not supplied, or are supplied only in part, or are not in conformity with the contract for the supply thereof, the consumer shall have the right to pursue remedies against the creditor if the consumer has pursued his remedies against the supplier but has failed to obtain the satisfaction to which he is entitled according to the law or the contract for the supply of goods or services.
Ko se blago ali storitve iz povezane kreditne pogodbe ne zagotovijo ali se zagotovijo le delno ali niso v skladu s pogodbo o njihovi dobavi, ima potrošnik pravico uporabiti pravna sredstva zoper dajalca kredita, če je potrošnik uporabil pravna sredstva zoper dobavitelja, pa mu ni uspelo dobiti zadoščenja, do katerega je upravičen v skladu z zakonom ali s pogodbo o dobavi blaga ali storitev.
Member States shall determine to what extent and under what conditions those remedies shall be exercisable.
Države članice določijo, do kakšne mere in pod kakšnimi pogoji je mogoče uveljavljati takšna pravna sredstva.
This Article shall be without prejudice to any national rules rendering the creditor jointly and severally liable in respect of any claim which the consumer may have against the supplier where the purchase of goods or services from the supplier has been financed by a credit agreement.
Ta člen ne posega v nacionalne predpise, v skladu s katerimi je dajalec kredita solidarno odgovoren za vsak zahtevek, ki bi ga potrošnik lahko imel zoper dobavitelja, kadar se je nakup blaga ali pridobitev storitev od dobavitelja financirala iz kreditne pogodbe.
Early repayment
Predčasno odplačilo
The consumer shall be entitled at any time to discharge fully or partially his obligations under a credit agreement.
Potrošnik ima pravico, da kadar koli v celoti ali delno izpolni svoje obveznosti po kreditni pogodbi.
In such cases, he shall be entitled to a reduction in the total cost of the credit, such reduction consisting of the interest and the costs for the remaining duration of the contract.
V takšnih primerih je upravičen do zmanjšanja skupnih stroškov kredita, ki jih sestavljajo obresti in stroški v preostalem obdobju trajanja pogodbe.
In the event of early repayment of credit the creditor shall be entitled to fair and objectively justified compensation for possible costs directly linked to early repayment of credit provided that the early repayment falls within a period for which the borrowing rate is fixed.
V primeru predčasnega odplačila kredita je dajalec kredita upravičen do pravičnega in objektivno utemeljenega nadomestila za morebitne stroške, neposredno povezane s predčasnim odplačilom kredita, če se predčasno odplačilo izvede v obdobju, za katerega je bila določena fiksna posojilna obrestna mera.
Such compensation may not exceed 1 % of the amount of credit repaid early, if the period of time between the early repayment and the agreed termination of the credit agreement exceeds one year.
Takšno nadomestilo ne sme presegati 1 % zneska kredita, ki je že bil odplačan, če med predčasnim odplačilom in dogovorjeno prekinitvijo kreditne pogodbe preteče več kot eno leto.
If the period does not exceed one year, the compensation may not exceed 0,5 % of the amount of credit repaid early.
Če ni preteklo več kot eno leto, nadomestilo ne sme presegati 0,5 % zneska kredita, ki je že bil odplačan.
Compensation for early repayment shall not be claimed:
Nadomestilo za predčasno plačilo se ne zahteva, če:
if the repayment has been made under an insurance contract intended to provide a credit repayment guarantee;
se je odplačilo opravilo po zavarovalni pogodbi, ki naj bi zagotavljala jamstvo za odplačilo kredita;
in the case of overdraft facilities; or
v primeru možnosti prekoračitev; ali
if the repayment falls within a period for which the borrowing rate is not fixed.
se predčasno odplačilo izvede v obdobju, za katero fiksna posojilna obrestna mera ni določena.
Member States may provide that:
Države članice lahko določijo, da:
such compensation may be claimed by the creditor only on condition that the amount of the early repayment exceeds the threshold defined by national law.
lahko dajalec kredita to nadomestilo zahteva samo pod pogojem, da znesek predčasnega odplačila preseže mejno vrednost, določeno v nacionalni zakonodaji.
That threshold shall not exceed EUR 10000 within any period of 12 months;
Mejna vrednost ne sme preseči 10000 EUR v katerem koli obdobju dvanajstih mesecev;
the creditor may exceptionally claim higher compensation if he can prove that the loss he suffered from early repayment exceeds the amount determined under paragraph 2.
lahko dajalec kredita izjemoma zahteva višje nadomestilo, če lahko dokaže, da izguba zaradi predčasnega odplačila presega znesek, določen na podlagi odstavka 2.
If the compensation claimed by the creditor exceeds the loss actually suffered, the consumer may claim a corresponding reduction.
Če nadomestilo, ki ga zahteva dajalec kredita, presega dejansko izgubo, lahko potrošnik zahteva ustrezno zmanjšanje.
In this case, the loss shall consist of the difference between the initially agreed interest rate and the interest rate at which the creditor can lend out the amount repaid early on the market at the time of early repayment, and shall take into account the impact of early repayment on administrative costs.
V tem primeru je izguba sestavljena iz razlike med začetno dogovorjeno obrestno mero in obrestno mero, po kateri lahko dajalec kredita posodi predčasno povrnjen znesek na trg v času predčasnega odplačila, upošteva pa se vpliv predčasnega odplačila na administrativne stroške.
Any compensation shall not exceed the amount of interest the consumer would have paid during the period between the early repayment and the agreed date of termination of the credit agreement.
Nobeno nadomestilo ne sme presegati zneska obresti, ki bi jih potrošnik plačal med predčasnim odplačilom in dogovorjenim datum prenehanja kreditne pogodbe.
Assignment of rights
Prenos pravic
In the event of assignment to a third party of the creditor's rights under a credit agreement or the agreement itself, the consumer shall be entitled to plead against the assignee any defence which was available to him against the original creditor, including set-off where the latter is permitted in the Member State concerned.
Če dajalec kredita svoje pravice po kreditni pogodbi prenese na tretjo osebo, je potrošnik zoper prejemnika upravičen uveljavljati ugovore, ki jih ima na voljo zoper prvotnega dajalca kredita, vključno s poravnavo, če je dovoljena v zadevnih državah članicah.
The consumer shall be informed of the assignment referred to in paragraph 1 except where the original creditor, by agreement with the assignee, continues to service the credit vis-à-vis the consumer.
Potrošnik se obvesti o prenosu iz odstavka 1, razen če prvotni dajalec kredita v dogovoru s prejemnikom kredit v razmerju do potrošnika še vedno servisira.
Overrunning
Prekoračitev
In the case of an agreement to open a current account, where there is a possibility that the consumer is allowed an overrun, the agreement shall contain in addition the information referred to in Article 6(1)(e).
V primeru dogovora o odprtju tekočega računa, ki potrošniku dovoljuje prekoračitev, pogodba vsebuje tudi informacije iz člena 6(1)(e).
The creditor shall in any case provide that information on paper or another durable medium on a regular basis.
Dajalec kredita v vsakem primeru redno zagotavlja te informacije na papirju ali drugem trajnem nosilcu podatkov.
In the event of a significant overrunning exceeding a period of one month, the creditor shall inform the consumer without delay, on paper or on another durable medium,
V primeru znatne prekoračitve, ki traja več kot en mesec, dajalec kredita na papirju ali drugem trajnem nosilcu podatkov nemudoma obvesti potrošnika o:
of the overrunning;
prekoračitvi;
of the amount involved;
zadevnem znesku;
of the borrowing rate;
posojilni obrestni meri;
of any penalties, charges or interest on arrears applicable.
kakršnih koli veljavnih zamudnih kaznih, stroških ali obrestih.
This Article shall be without prejudice to any rule of national law requiring the creditor to offer another kind of credit product when the duration of the overrunning is significant.
Ta člen ne posega v katero koli določbo nacionalne zakonodaje, ki od dajalca kredita zahteva, da ponudi drugo vrsto kreditnega proizvoda v primeru dolgega trajanja prekoračitve.
ANNUAL PERCENTAGE RATE OF CHARGE
EFEKTIVNA OBRESTNA MERA
Calculation of the annual percentage rate of charge
Izračun efektivne obrestne mere
The annual percentage rate of charge, equating, on an annual basis, to the present value of all commitments (drawdowns, repayments and charges), future or existing, agreed by the creditor and the consumer, shall be calculated in accordance with the mathematical formula set out in Part I of Annex I.
Efektivna obrestna mera, ki je na letni osnovi enaka trenutni vrednosti vseh prihodnjih ali obstoječih obveznosti (črpanj, odplačil in stroškov), o katerih sta se dajalec kredita in potrošnik dogovorila, se izračuna v skladu z matematično formulo iz dela I Priloge I.
For the purpose of calculating the annual percentage rate of charge, the total cost of the credit to the consumer shall be determined, with the exception of any charges payable by the consumer for non-compliance with any of his commitments laid down in the credit agreement and charges other than the purchase price which, for purchases of goods or services, he is obliged to pay whether the transaction is effected in cash or on credit.
Za namen izračuna efektivne obrestne mere se določijo celotni stroški kredita potrošniku, razen kateri koli stroški, ki jih potrošnik plača za neizpolnjevanje katerih koli obveznosti iz kreditne pogodbe, in stroški, razen nakupne cene, ki jih mora za blago ali storitve plačati ne glede na to, ali gre za kreditno ali gotovinsko transakcijo.
The costs of maintaining an account recording both payment transactions and drawdowns, the costs of using a means of payment for both payment transactions and drawdowns, and other costs relating to payment transactions shall be included in the total cost of credit to the consumer unless the opening of the account is optional and the costs of the account have been clearly and separately shown in the credit agreement or in any other agreement concluded with the consumer.
Stroški vodenja računa, na katerem se evidentirajo plačilne transakcije in črpanja, stroški uporabe plačilnih sredstev za plačilne transakcije in črpanja ter drugi stroški v zvezi s plačilnimi transakcijami se vključijo v skupne stroške kredita potrošniku, razen če je odprtje računa neobvezno in so stroški računa jasno in ločeno prikazani v kreditni pogodbi ali kateri koli drugi pogodbi, sklenjeni s potrošnikom.
The calculation of the annual percentage rate of charge shall be based on the assumption that the credit agreement is to remain valid for the period agreed and that the creditor and the consumer will fulfil their obligations under the terms and by the dates specified in the credit agreement.
Izračun efektivne obrestne mere temelji na predpostavki, da je kreditna pogodba veljavna do dogovorjenega roka ter da dajalec kredita in potrošnik izpolnita svoje obveznosti pod pogoji in do datumov iz kreditne pogodbe.
In the case of credit agreements containing clauses allowing variations in the borrowing rate and, where applicable, charges contained in the annual percentage rate of charge but unquantifiable at the time of calculation, the annual percentage rate of charge shall be calculated on the assumption that the borrowing rate and other charges will remain fixed in relation to the initial level and will remain applicable until the end of the credit agreement.
V primeru kreditnih pogodb s klavzulami, ki dovoljujejo razlike pri posojilnih obrestnih merah, in – kjer je to ustrezno – stroških, ki so zajeti v letnem odstotku obresti, ni jih pa mogoče številčno izraziti pri izračunu, se efektivna obrestna mera izračuna ob predpostavki, da so posojilne obrestne mere in drugi stroški nespremenljivi glede na začetno raven ter da se uporabljajo do konca veljavnosti kreditne pogodbe.
Where necessary, the additional assumptions set out in Annex I may be used in calculating the annual percentage rate of charge.
Pri izračunu efektivne obrestne mere se lahko po potrebi uporabijo dodatne predpostavke iz Priloge I.
If the assumptions set out in this Article and in Part II of Annex I do not suffice to calculate the annual percentage rate of charge in a uniform manner or are not adapted any more to the commercial situation at the market, the Commission may determine the necessary additional assumptions for the calculation of the annual percentage rate of charge, or modify existing ones.
Če predpostavke iz tega člena in dela II Priloge I ne zadostujejo za izračun efektivne obrestne mere na enoten način ali niso več prilagojene ekonomskemu položaju na trgu, lahko Komisija določi dodatne predpostavke, potrebne za izračun efektivne obrestne mere, ali spremeni obstoječe.
These measures, designed to amend non-essential elements of this Directive, shall be adopted in accordance with the regulatory procedure with scrutiny referred to in Article 25(2).
Navedeni ukrepi, namenjeni spreminjanju nebistvenih določb te direktive, se sprejmejo v skladu z regulativnim postopkom s pregledom iz člena 25(2).
CREDITORS AND CREDIT INTERMEDIARIES
DAJALCI KREDITOV IN KREDITNI POSREDNIKI
Regulation of creditors
Predpisi o dajalcih kreditov
Member States shall ensure that creditors are supervised by a body or authority independent from financial institutions, or regulated.
Države članice zagotovijo, da dajalce kreditov nadzira ali s predpisi ureja telo ali organ, ki je neodvisen od finančnih ustanov.
This shall be without prejudice to Directive 2006/48/EC.
To ne posega v Direktivo 2006/48/ES.
Certain obligations of credit intermediaries vis-à-vis consumers
Nekatere obveznosti kreditnih posrednikov razmerju do potrošnikov
a credit intermediary indicates in advertising and documentation intended for consumers the extent of his powers, in particular whether he works exclusively with one or more creditors or as an independent broker;
kreditni posrednik pri oglaševanju in v dokumentaciji, namenjeni potrošnikom, navede obseg svojih pooblastil, zlasti ali sodeluje izključno z enim ali več dajalci kreditov ali pa deluje kot neodvisni posrednik;
the fee, if any, payable by the consumer to the credit intermediary for his services is disclosed to the consumer, and agreed between the consumer and the credit intermediary on paper or another durable medium before the conclusion of the credit agreement;
se pristojbino, če obstaja, ki jo mora plačati potrošnik kreditnemu posredniku za njegove storitve, razkrije potrošniku in se ta dogovori med potrošnikom in kreditnim posrednikom na papirju ali na drugem trajnem nosilcu podatkov pred sklenitvijo kreditne pogodbe;
the fee, if any, payable by the consumer to the credit intermediary for his services is communicated to the creditor by the credit intermediary, for the purpose of calculation of the annual percentage rate of charge.
kreditni posrednik pristojbino, če ta obstaja, ki jo mora plačati potrošnik kreditnemu posredniku za njegove storitve, sporoči dajalcu kredita za namen izračuna efektivne obrestne mere.
Harmonisation and imperative nature of this Directive
Usklajevanje in obveznost izvajanja te direktive
Insofar as this Directive contains harmonised provisions, Member States may not maintain or introduce in their national law provisions diverging from those laid down in this Directive.
Če ta direktiva vsebuje usklajene določbe, države članice ne smejo ohraniti ali uvesti v svoje nacionalno pravo drugih določb, razen tistih, določenih v tej direktivi.
Member States shall ensure that consumers may not waive the rights conferred on them by the provisions of national law implementing or corresponding to this Directive.
Države članice zagotovijo, da se potrošniki ne odpovejo pravicam, ki so jim podeljene z določbami nacionalne zakonodaje, ki uveljavljajo to direktivo ali so z njo usklajene.
Member States shall further ensure that the provisions they adopt in implementation of this Directive cannot be circumvented as a result of the way in which agreements are formulated, in particular by integrating drawdowns or credit agreements falling within the scope of this Directive into credit agreements the character or purpose of which would make it possible to avoid its application.
Države članice nadalje zagotovijo, da se določbam, ki jih sprejmejo pri izvajanju te direktive, ni mogoče izogniti z načinom oblikovanja pogodb, zlasti z vnašanjem črpanj ali kreditnih pogodb, ki spadajo v področje uporabe te direktive, v kreditne pogodbe, katerih značilnosti ali namen bi lahko omogočili, da se izognejo njeni uporabi.
Member States shall take the necessary measures to ensure that consumers do not lose the protection granted by this Directive by virtue of the choice of the law of a third country as the law applicable to the credit agreement, if the credit agreement has a close link with the territory of one or more Member States.
Države članice sprejmejo potrebne ukrepe za zagotovitev, da potrošniki ne izgubijo zaščite, ki jim jo zagotavlja ta direktiva, na podlagi izbire zakonodaje tretje države kot zakonodaje, ki velja za kreditno pogodbo, če je kreditna pogodba tesno povezana z ozemljem ene ali več držav članic.
Member States shall lay down the rules on penalties applicable to infringements of the national provisions adopted pursuant to this Directive and shall take all measures necessary to ensure that they are implemented.
Države članice sprejmejo pravila glede kazni, ki veljajo v primeru kršitve nacionalnih predpisov, sprejetih na podlagi te direktive, in vse potrebne ukrepe za zagotovitev izvrševanja teh kazni.
Out-of-court dispute resolution
Izvensodno reševanje sporov
Member States shall ensure that adequate and effective out-of-court dispute resolution procedures for the settlement of consumer disputes concerning credit agreements are put in place, using existing bodies where appropriate.
Države članice zagotovijo vzpostavitev ustreznih in učinkovitih postopkov za izvensodno reševanje potrošniških sporov v zvezi s kreditnimi pogodbami, s pomočjo obstoječih organov, kadar je to primerno.
Member States shall encourage those bodies to cooperate in order to also resolve cross-border disputes concerning credit agreements.
Države članice spodbujajo te organe k sodelovanju, da bi se rešili tudi čezmejni spori v zvezi s kreditnimi pogodbami.
Information to be supplied to the Commission
Obveščanje Komisije
Where a Member State makes use of any of the regulatory choices referred to in Article 2(5) and 2(6), Article 4(1), Article 4(2)(c), Article 6(2), Article 10(1), Article 10(2)(g), Article 14(2) and Article 16(4), it shall inform the Commission thereof as well as of any subsequent changes.
Če država članica uporabi katero od regulativnih možnosti iz členov 2(5), 2(6), 4(1), 4(2)(c), 6(2), 10(1), 10(2)(g), 14(2) in 16(4), o tem in o vseh naknadnih spremembah obvesti Komisijo.
The Commission shall make that information public on a website or in another easily accessible way.
Komisija te informacije objavi na spletni strani ali na drug enostavno dostopen način.
Member States shall take the appropriate measures to diffuse that information amongst national creditors and consumers.
Države članice sprejmejo ustrezne ukrepe za posredovanje teh informacij dajalcem kreditov in potrošnikom.
Before 12 May 2010 Member States shall adopt and publish the provisions necessary to comply with this Directive.
Države članice do 12. maja 2010 sprejmejo in objavijo zakone in druge predpise, potrebne za uskladitev s to direktivo.
They shall apply those provisions from 12 May 2010.
Te določbe se uporabljajo od 12. maja 2010.
When Member States adopt these provisions, they shall contain a reference to this Directive or be accompanied by such reference on the occasion of their official publication.
Države članice se v sprejetih predpisih sklicujejo na to direktivo ali pa sklic nanjo navedejo ob njihovi uradni objavi.