natgillin/translations-raw huggingface dataset:
The Commission shall undertake, every five years and for the first time 12 May 2013, a review of the thresholds laid down in this Directive and its annexes and the percentages used to calculate the compensation payable in the event of early repayment, assessing them in the light of economic trends in the Community and the situation of the market concerned.
Komisija vsakih pet let, in sicer prvič 12. maja 2013, pregleda mejne vrednosti iz te direktive in njenih prilog in odstotek za izračun nadomestila v primeru predčasnega odplačila, da bi jih ocenila glede na ekonomske trende v Skupnosti in razmere na zadevnem trgu.
The Commission shall also monitor the effect of the existence 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) on the internal market and consumers.
Komisija prav tako spremlja vpliv regulativnih možnosti, opredeljenih v členih 2(5), 2(6), 4(1), 4(2)(c), 6(2), 10(1), 10(2)(g), 14(2) in 16(4), na notranji trg in potrošnike.
The results shall be made known to the European Parliament and the Council, accompanied where appropriate by a proposal to modify the thresholds and percentages as well as the abovementioned regulatory choices accordingly.
Z rezultati seznani Evropski parlament in Svet ter po potrebi priloži predloge za ustrezno spremembo zadevnih mejnih in odstotnih vrednosti ter zgoraj navedenih regulativnih možnosti.
Conversion of amounts expressed in euro into national currency
Pretvorba zneskov, izraženih v eurih, v nacionalne valute
For the purposes of this Directive, those Member States who convert the amounts expressed in euro into their national currency shall initially use in the conversion the exchange rate prevailing on the date of adoption of this Directive.
Za namene te direktive tiste države članice, ki bodo pretvorile zneske, izražene v eurih, v svoje nacionalne valute, na začetku pri pretvorbi uporabijo menjalni tečaj, veljaven na dan sprejetja te direktive.
Member States may round off the amounts resulting from the conversion provided that such rounding off does not exceed EUR 10.
Države članice lahko zaokrožijo zneske, pridobljene s pretvorbo, pod pogojem, da tako zaokrožanje ne preseže 10 EUR.
Directive 87/102/EEC shall be repealed with effect from 12 May 2010.
Direktiva 87/102/EGS se razveljavi z učinkom od 12. maja 2010.
This Directive shall not apply to credit agreements existing on the date when the national implementing measures enter into force.
Ta direktiva se ne uporablja za kreditne pogodbe, ki obstajajo na dan, ko začnejo veljati nacionalni izvedbeni ukrepi.
However, Member States shall ensure that Articles 11, 12, 13 and 17, the second sentence of Article 18(1), and Article 18(2) are applied also to open-end credit agreements existing on the date when the national implementing measures enter into force.
Vendar pa države članice zagotovijo, da se členi 11, 12 in 13 ter 17, drugi stavek člena 18(1) in člen 18(2) uporabljajo tudi za odprte kreditne pogodbe, ki obstajajo na dan, ko začnejo veljati nacionalni izvedbeni ukrepi.
Done at Strasbourg, 23 April 2008.
V Strasbourgu, 23. aprila 2008
OJ C 234, 30.9.2003, p. 1.
UL C 234, 30.9.2003, str. 1.
Opinion of the European Parliament of 20 April 2004 (OJ C 104 E, 30.4.2004, p. 233), Council common position of 20 September 2007 (OJ C 270 E, 13.11.2007, p. 1) and Position of the European Parliament of 16 January 2008 (not yet published in the Official Journal).
Mnenje Evropskega parlamenta z dne 20. aprila 2004 (UL C 104 E, 30.4.2004, str. 233), Skupno stališče Sveta z dne 20. septembra 2007 (UL C 270 E, 13.11.2007, str. 1) in stališče Evropskega parlamenta z dne 16. januarja 2008 (še ni objavljen v Uradnem listu).
Council Decision of 7 April 2008.
Sklep Sveta z dne 7. aprila 2008.
Directive as last amended by Directive 2008/24/EC (OJ L 81, 20.3.2008, p. 38).
Direktiva, kakor je bila nazadnje spremenjena z Direktivo 2008/24/ES (UL L 81, 20.3.2008, str. 38).
Directive as last amended by Directive 2007/64/EC (OJ L 319, 5.12.2007, p. 1).
Direktiva, kakor je bila nazadnje spremenjena z Direktivo 2007/64/ES (JO L 319, 5.12.2007, p. 1).
Directive as last amended by Directive 2008/10/EC (OJ L 76, 19.3.2008, p. 33).
Direktiva, kakor je bila nazadnje spremenjena z Direktivo 2008/10/ES (UL L 76, 19.3.2008, str. 33).
I. The basic equation expressing the equivalence of drawdowns on the one hand and repayments and charges on the other.
I. Osnovna enačba, ki izraža enakovrednost črpanj na eni strani ter odplačil in stroškov na drugi strani
The basic equation, which establishes the annual percentage rate of charge (APR), equates, on an annual basis, the total present value of drawdowns on the one hand and the total present value of repayments and payments of charges on the other hand, i.e.:
Osnovna enačba, ki določa efektivno obrestno mero (APR), je na letni osnovi enaka skupni vrednosti črpanj na eni strani in celotni vrednosti odplačil in plačil stroškov na drugi strani, to je:
is the APR,
APR,
is the number of the last drawdown,
število zadnjega črpanja,
is the number of a drawdown, thus 1 ≤ k ≤ m,
število črpanja, torej 1 ≤ k ≤ m,
is the amount of drawdown k,
znesek črpanja k,
is the interval, expressed in years and fractions of a year, between the date of the first drawdown and the date of each subsequent drawdown, thus t1 = 0,
dolžina intervala, izražena v letih in delih leta, med datumom prvega črpanja in datumom vsakega poznejšega črpanja, torej t1 = 0,
is the number of the last repayment or payment of charges,
število zadnjega odplačila ali plačila stroškov,
is the number of a repayment or payment of charges,
število odplačila ali plačila stroškov,
is the amount of a repayment or payment of charges,
znesek odplačila ali plačila stroškov,
is the interval, expressed in years and fractions of a year, between the date of the first drawdown and the date of each repayment or payment of charges.
dolžina intervala, izražena v letih in delih leta, med datumom prvega črpanja in datumom vsakega odplačila ali plačila stroškov.
The amounts paid by both parties at different times shall not necessarily be equal and shall not necessarily be paid at equal intervals.
Zneski, ki jih plačata obe stranki ob različnih časih, niso nujno enaki in ni nujno, da se plačajo v enakih časovnih intervalih.
The starting date shall be that of the first drawdown.
Začetni datum je datum prvega črpanja.
Intervals between dates used in the calculations shall be expressed in years or in fractions of a year.
Časovni intervali med datumi, ki se uporabljajo pri izračunu, se izrazijo v letih in delih leta.
A year is presumed to have 365 days (or 366 days for leap years), 52 weeks or 12 equal months.
Leto ima 365 dni (ali 366 v prestopnih letih), 52 tednov ali 12 enakih mesecev.
An equal month is presumed to have 30,41666 days (i.e. 365/12) regardless of whether or not it is a leap year.
Enak mesec ima 30,41666 dni (tj. 365/12) ne glede na to, ali je prestopno leto ali ne.
The result of the calculation shall be expressed with an accuracy of at least one decimal place.
Rezultat izračuna se izrazi z natančnostjo vsaj ene decimalke.
If the figure at the following decimal place is greater than or equal to 5, the figure at that particular decimal place shall be increased by one.
Če je na naslednjem decimalnem mestu število 5 ali večje, se število na tem decimalnem mestu poveča za eno.
The equation can be rewritten using a single sum and the concept of flows (Ak), which will be positive or negative, in other words either paid or received during periods 1 to k, expressed in years, i.e.:
Enačba se lahko izrazi tudi z enim samim zneskom in konceptom pretokov (Ak), ki bodo pozitivni ali negativni, z drugimi besedami plačani ali prejeti v obdobjih 1 do k, izraženih v letih, to je:
S being the present balance of flows.
S je trenutna bilanca pretokov.
If the aim is to maintain the equivalence of flows, the value will be zero.
Če je cilj ohraniti enakovrednost pretokov, je vrednost nič.
Additional assumptions for the calculation of the annual percentage rate of charge
Dodatne predpostavke za izračun efektivne obrestne mere
if a credit agreement gives the consumer freedom of drawdown, the total amount of credit shall be deemed to be drawn down immediately and in full;
če daje kreditna pogodba potrošniku možnost prostega črpanja, se šteje, da je celotni znesek kredita črpan takoj in v celoti;
if a credit agreement provides different ways of drawdown with different charges or borrowing rates, the total amount of credit shall be deemed to be drawn down at the highest charge and borrowing rate applied to the most common drawdown mechanism for this type of credit agreement;
če kreditna pogodba predvideva različne načine črpanja z različnimi stroški ali posojilnimi obrestnimi merami, se šteje, da je celotni znesek kredita črpan po najvišjih stroških in posojilni obrestni meri, ki se obračunajo za najpogosteje uporabljeno vrsto transakcije za to vrsto kreditne pogodbe;
if a credit agreement gives the consumer freedom of drawdown in general but imposes, amongst the different ways of drawdown, a limitation with regard to the amount and period of time, the amount of credit shall be deemed to be drawn down on the earliest date provided for in the agreement and in accordance with those drawdown limits;
če daje kreditna pogodba potrošniku možnost prostega črpanja na splošno, vendar pa med različnimi načini črpanja predvideva omejitev zneska in časovnega obdobja, se šteje, da je znesek kredita črpan na prvi datum, določen v pogodbi, in v skladu s temi omejitvami črpanja;
if there is no fixed timetable for repayment, it shall be assumed:
če ni določenega časovnega razporeda za odplačilo, se šteje:
that the credit is provided for a period of one year; and
da se kredit zagotovi za obdobje enega leta; in
that the credit will be repaid in 12 equal instalments and at monthly intervals;
da se kredit odplača v dvanajstih enakih mesečnih obrokih;
if there is a fixed timetable for repayment but the amount of such repayments is flexible, the amount of each repayment shall be deemed to be the lowest for which the agreement provides;
če je določen časovni razpored za odplačila, vendar je znesek teh odplačil spremenljiv, se šteje, da je znesek vsakega odplačila najnižji znesek, ki ga pogodba določa;
unless otherwise specified, where the credit agreement provides for more than one repayment date, the credit is to be made available and the repayments made on the earliest date provided for in the agreement;
če ni drugače določeno in če kreditna pogodba določa več kot en rok za odplačilo, se kredit da na voljo, odplačilo pa se izvede do prvega datuma, določenega v pogodbi.
if the ceiling applicable to the credit has not yet been agreed, that ceiling is assumed to be EUR 1500;
če najvišja dovoljena meja kredita še ni bila dogovorjena, se predvideva, da ta znaša 1500 EUR;
in the case of an overdraft facility the total amount of credit shall be deemed to be drawn down in full and for the whole duration of the credit agreement.
v primeru prekoračitve se šteje, da se celoten znesek kredita izčrpa v celoti za celotno trajanje kreditne pogodbe.
If the duration of the credit agreement is not known the annual percentage rate of charge shall be calculated on the assumption that the duration of the credit is three months;
Če čas trajanja kreditne pogodbe ni znan, se efektivna obrestna mera izračuna po predpostavki, da je čas trajanja kredita 3 mesece;
if different interest rates and charges are offered for a limited period or amount, the interest rate and the charges shall be deemed to be the highest rate for the whole duration of the credit agreement;
če se za omejeno obdobje ali znesek ponudijo različne obrestne mere in stroški, se za obrestno mero in stroške šteje najvišja obrestna mera za celotno trajanje kreditne pogodbe;
for consumer credit agreements for which a fixed borrowing rate is agreed in relation to the initial period, at the end of which a new borrowing rate is determined and subsequently periodically adjusted according to an agreed indicator, the calculation of the annual percentage rate shall be based on the assumption that, at the end of the fixed borrowing rate period, the borrowing rate is the same as at the time of calculating the annual percentage rate, based on the value of the agreed indicator at that time.
za potrošniške kreditne pogodbe z dogovorjeno fiksno posojilno obrestno mero v začetnem obdobju, ob izteku katerega se določi nova pasivna obrestna mera, ki se nato redno prilagaja v skladu z dogovorjenim kazalnikom, temelji izračun efektivne obrestne mere na predpostavki, da je na koncu obdobja fiksne posojilne obrestne mere posojilna obrestna mera enaka kot ob izračunu efektivne obrestne mere na podlagi vrednosti dogovorjenega kazalnika ob tem istem času.
STANDARD EUROPEAN CONSUMER CREDIT INFORMATION
STANDARDNE INFORMACIJE O EVROPSKEM POTROŠNIŠKEM KREDITU
Identity and contact details of the creditor/credit intermediary
Identiteta dajalca kredita/kreditnega posrednika in podatki za vzpostavitev stika z njim
Creditor
Dajalec kredita
[Identity]
[Identiteta]
Telephone number [1]E-mail address [1]Fax number [1]Web address [1]
Telefonska številka [1]E-pošta [1]Faks [1]Spletni naslov [1]
[Geographical address to be used by the consumer]
[Geografski naslov za stik s potrošnikom]
If applicable
Po potrebi
Credit intermediary
Kreditni posrednik
Wherever ‘if applicable’ is indicated, the creditor must fill in the box if the information is relevant to the credit product or delete the respective information or the entire row if the information is not relevant for the type of credit considered.
Dajalec kredita mora izpolniti polja, ki so označena s „po potrebi“, če je podatek pomemben za kreditni proizvod; če podatek za vrsto zadevnega kredita ni pomemben, vrstico izbriše.
Indications between square brackets provide explanations for the creditor and must be replaced with the corresponding information.
Dajalec kredita mora pojasnilo v oglatem oklepaju nadomestiti z ustreznimi podatki.
Description of the main features of the credit product
Opis glavnih značilnosti kreditnega proizvoda
The type of credit
Vrsta kredita
The total amount of credit
Skupni znesek kredita
This means the ceiling or the total sums made available under the credit agreement.
To pomeni najvišjo dovoljeno mejo ali skupno vsoto vseh zneskov, ki so na voljo po kreditni pogodbi.
The conditions governing the drawdown
Pogoji črpanja
This means how and when you will obtain the money.
To pomeni, kdaj in na kakšen način dobite denar.
The duration of the credit agreement
Trajanje kreditne pogodbe
Instalments and, where appropriate, the order in which instalments will be allocated
Obroki in po potrebi vrstni red dodelitve obrokov.
You will have to pay the following:
Plačati boste morali sledeče:
[The amount, number and frequency of payments to be made by the consumer]
[znesek, število in pogostost plačil, ki jih mora opraviti potrošnik]
Interest and/or charges will be payable in the following manner:
Način plačila obresti in/ali stroškov:
The total amount you will have to pay
Skupni znesek za plačilo
This means the amount of borrowed capital plus interest and possible costs related to your credit.
To pomeni seštevek izposojenega kapitala in obresti ter morebitnih stroškov kredita.
[Sum of total amount of credit and total cost of credit]
[Seštevek celotnega zneska in stroškov kredita]
The credit is granted in the form of a deferred payment for a good or service or is linked to the supply of specific goods or the provision of a service
Kredit, odobren v obliki odloga plačila za blago ali storitev ali v povezavi z dobavo posebnega blaga ali opravljanjem posebne storitve
Name of good/service
Naziv proizvoda/storitve
Cash price
Gotovinska cena
Sureties required
Zahtevana poroštva
[Kind of sureties]
[vrsta poroštva]
This is a description of the security to be provided by you in relation to the credit agreement.
Opis jamstva, ki ga morate zagotoviti v zvezi s kreditno pogodbo.
Repayments do not give rise to immediate amortisation of the capital.
Odplačila ne sprožijo takojšnjega odplačila glavnice.
Costs of the credit
Stroški kredita
The borrowing rate or, if applicable, different borrowing rates which apply to the credit agreement
Posojilna obrestna mera ali po potrebi različne posojilne obrestne mere, ki se uporabljajo v kreditni pogodbi.
fixed or,
fiksna ali
variable (with the index or reference rate applicable to the initial borrowing rate),
spremenljiva (z indeksom ali referenčno obrestno mero, ki se uporablja za začetno posojilno obrestno mero)
periods],
obdobje]
Annual Percentage Rate of Charge (APR)
Efektivna obrestna mera (APR)
This is the total cost expressed as an annual percentage of the total amount of credit.
To so skupni stroški, izraženi kot letni odstotek skupnega zneska kredita.
The APR is there to help you compare different offers.
APR je naveden zato, da se omogoči primerjava med različnimi ponudbami.
[ % A representative example mentioning all the assumptions used for calculating the rate to be set out here]
[ % Tu se navede reprezentativni primer z vsemi predpostavkami, s pomočjo katerih se izračuna obrestna mera.]
Is it compulsory, in order to obtain the credit or to obtain it on the terms and conditions marketed, to take out
Je za pridobitev kredita v vsakem primeru ali pod določenimi pogoji treba obvezno skleniti
an insurance policy securing the credit, or
zavarovanje kredita ali
Yes/no [if yes, specify the kind of insurance]
Da/ne; [če je odgovor pritrdilen, vrsta zavarovanja]
another ancillary service contract,
drugo pomožno storitev?
Yes/no [if yes, specify the kind of ancillary service]
Da/ne [če je odgovor pritrdilen, vrsta pomožne storitve]
If the costs of these services are not known by the creditor they are not included in the APR.
Če dajalec kredita ne pozna stroškov teh storitev, ti niso vključeni v APR.
Related costs
Stroški kredita
Maintaining one or more accounts is required for recording both payment transactions and drawdowns
Vzdrževanje enega ali več računov je potrebno za vodenje plačilnih transakcij in črpanj.
Amount of costs for using a specific means of payment (e.g. a credit card)
Znesek stroškov uporabe posebnih plačilnih sredstev (npr. kreditna kartica)
Any other costs deriving from the credit agreement
Vsi drugi stroški, ki izhajajo iz kreditne pogodbe
Conditions under which the abovementioned costs related to the credit agreement can be changed
Pogoji, pod katerimi se lahko navedeni stroški kreditne pogodbe spremenijo
Obligation to pay notarial fees
Obveznost plačila notarskih pristojbin
Costs in the case of late payments
Stroški v primeru zapadlih plačil
Missing payments could have severe consequences for you (e.g. forced sale) and make obtaining credit more difficult.
Neizvedena plačila (npr. prisilna prodaja) imajo lahko resne posledice in lahko otežijo pridobitev kredita.
You will be charged [… (applicable interest rate and arrangements for its adjustment and, where applicable, default charges)] for missing payments.
V primeru zapadlih plačil boste morali plačati [… (podrobni podatki o obrestnih merah in po potrebi stroški v primeru zamude pri odplačevanju)]
Other important legal aspects
Drugi pomembni pravni vidiki
Yes/no
Da/ne
You have the right to withdraw from the credit agreement within a period of 14 calendar days.
Imate pravico, da v 14 koledarskih dneh odstopite od kreditne pogodbe.
You have the right to repay the credit early at any time in full or partially.
Pravico imate, da kadar koli v celoti ali delno predčasno odplačate kredit.
The creditor is entitled to compensation in the case of early repayment
Dajalec kredita je v primeru predčasnega odplačila upravičen do nadomestila.
[Determination of the compensation (calculation method) in accordance with the provisions implementing Article 16 of Directive 2008/48/EC]
[Določitev nadomestila (metoda za izračun) v skladu z določbami za izvajanje člena 16 Direktive 2008/48/ES]
Consultation of a database
Poizvedba v zbirki podatkov
The creditor must inform you immediately and without charge of the result of a consultation of a database, if a credit application is rejected on the basis of such a consultation.
Dajalec kredita vas mora nemudoma obvestiti o rezultatu poizvedbe v zbirki podatkov, če se vloga za kredit zavrne na podlagi take poizvedbe.
This does not apply if the provision of such information is prohibited by European Community law or is contrary to objectives of public policy or public security.
To ne velja, če je posredovanje takih informacij prepovedano v zakonodaji Evropskih skupnosti ali je v nasprotju s cilji na področju javne varnosti in javnega reda.
Right to a draft credit agreement
Pravica do osnutka kreditne pogodbe
You have the right, upon request, to obtain a copy of the draft credit agreement free of charge.
Pravico imate zahtevati, da vam dajalec kredita/kreditni posrednik predloži brezplačni izvod osnutka kreditne pogodbe.
This provision does not apply if the creditor is at the time of the request unwilling to proceed to the conclusion of the credit agreement with you.
Ta določba se ne uporablja, če dajalec kredita ob vložitvi zahteve z vami ni pripravljen skleniti kreditne pogodbe.
The period of time during which the creditor is bound by the pre-contractual information
Časovno obdobje, ko je dajalec kredita zavezan s predpogodbenimi informacijami.
This information is valid from … until …
Ti podatki veljajo od … do …
Additional information in the case of distance marketing of financial services
Dodatne informacije v primeru trženja finančnih storitev na daljavo
concerning the creditor
v zvezi z dajalcem kredita
Representative of the creditor in your Member State of residence
Predstavnik dajalca kredita v državi članici, kjer imate prebivališče
Telephone number [2]E-mail address [2]Fax number [2]Web address [2]
Telefonska številka [2]E-pošta [2]Faks [2]Spletni naslov [2]
[The trade register in which the creditor is entered and his registration number or an equivalent means of identification in that register]
Trgovski register, v katerega je vpisan dajalec kredita, in njegova matična številka ali primerljivo sredstvo identifikacije v tem registru
The supervisory authority
Nadzorni organ
concerning the credit agreement
v zvezi s kreditno pogodbo
Exercise of the right of withdrawal
Uveljavljanje pravice do odstopa
[Practical instructions for exercising the right of withdrawal indicating, inter alia, the period for exercising the right, the address to which notification of exercise of the right of withdrawal should be sent and the consequences of non-exercise of that right]
[Praktična navodila za uveljavljanje pravice do odstopa, v katerih je med drugim navedeno obdobje, v katerem se lahko ta pravica uveljavlja; naslovi, na katere se pošljejo uradna obvestila o pravici do odstopa; posledice neuveljavljanja te pravice] Po potrebi
The law taken by the creditor as a basis for the establishment of relations with you before the conclusion of the credit contract
Pravo, ki ga dajalec kredita vzame kot podlago za vzpostavitev odnosov z vami pred sklenitvijo kreditne pogodbe
Clause stipulating the governing law applicable to the credit agreement and/or the competent court
Klavzula o merodajnem pravu, ki se uporablja za kreditno pogodbo in/ali pristojno sodišče
[Relevant clause to be set out here]
[Tu se navede ustrezna klavzula.]
Information and contractual terms will be supplied in [specific language].
Informacije in pogodbena določila se bodo zagotovila v [navedba jezika].
With your consent, we intend to communicate in [specific language/languages] during the duration of the credit agreement.
Z vašim soglasjem vas bomo v času trajanja kreditne pogodbe obveščali v [navedba jezika/jezikov].
concerning redress
v zvezi s pravnimi sredstvi
Existence of and access to out-of-court complaint and redress mechanism
Izven postopki pritožbe in dostop do njih ter druga pravna sredstva
[Whether or not there is an out-of-court complaint and redress mechanism for the consumer who is party to the distance contract and, if so, the methods of access to it]
[Ali za potrošnika, ki je stranka kreditne pogodbe, obstajajo izvensodni postopki pritožbe in druga pravna sredstva? Če ta obstajajo, tudi pogoji za njihovo uporabo.]