natgillin/translations-raw huggingface dataset:
Where the conclusion of a contract regarding an ancillary service relating to the credit agreement, in particular insurance, is compulsory in order to obtain the credit or to obtain it on the terms and conditions marketed, and the cost of that service cannot be determined in advance, the obligation to enter into that contract shall also be stated in a clear, concise and prominent way, together with the annual percentage rate of charge.
Kadar je sklenitev pogodbe o pomožni storitvi, ki se nanaša na kreditno pogodbo, zlasti zavarovanje, obvezna že za samo pridobitev kredita ali pod pogoji, ki se tržijo, stroškov te storitve pa ni možno določiti vnaprej, se jasno, jedrnato in vidno navede tudi obveznost sklenitve pogodbe skupaj z letnim odstotkom obresti.
This Article shall be without prejudice to Directive 2005/29/EC.
Ta člen ne posega v Direktivo 2005/29/ES.
Pre-contractual information
Predpogodbene informacije
In good time before the consumer is bound by any credit agreement or offer, the creditor and, where applicable, the credit intermediary shall, on the basis of the credit terms and conditions offered by the creditor and, if applicable, the preferences expressed and information supplied by the consumer, provide the consumer with the information needed to compare different offers in order to take an informed decision on whether to conclude a credit agreement.
Preden postane potrošnik zavezan izpolnjevanju kreditne pogodbe ali ponudbe, zagotovi dajalec kredita in, kjer je primerno, kreditni posrednik na temelju kreditnih pogojev dajalca kredita ter, kjer je to primerno, na izraženih preferencah potrošnika in informacijah, ki jih je ta posredoval, potrošniku informacije, da lahko primerja različne ponudbe in se tako zavestno odloči, ali bo sklenil kreditno pogodbo.
Such information, on paper or on another durable medium, shall be provided by means of the Standard European Consumer Credit Information form set out in Annex II.
Takšne informacije se na papirju ali drugem trajnem nosilcu podatkov zagotovijo z obrazcem standardne informacije o evropskem potrošniškem kreditu iz Priloge II.
The creditor shall be deemed to have fulfilled the information requirements in this paragraph and in Article 3, paragraphs (1) and (2) of Directive 2002/65/EC if he has supplied the Standard European Consumer Credit Information.
Šteje se, da je dajalec kredita izpolnil zahteve po informacijah iz tega odstavka ter člena 3(1) in (2) Direktive 2002/65/ES, če je zagotovil „standardne informacije o evropskem potrošniškem kreditu“.
The information in question shall specify:
Zadevne informacije se nanašajo na:
the type of credit;
vrsta kredita;
the identity and the geographical address of the creditor as well as, if applicable, the identity and geographical address of the credit intermediary involved;
identiteto in geografski naslov dajalca kredita ter po potrebi identiteto in geografski naslov zadevnega kreditnega posrednika;
the total amount of credit and the conditions governing the drawdown;
skupni znesek kredita in pogoje, ki urejajo črpanje kredita;
the duration of the credit agreement;
trajanje kreditne pogodbe;
in the case of a credit in the form of deferred payment for a specific good or service and linked credit agreements, that good or service and its cash price;
blago ali storitev ter njuno vrednost v primerih kredita v obliki odloga plačila za določeno blago ali storitev in v primeru povezanih kreditnih pogodb posebno blago ali storitev;
the borrowing rate, the conditions governing the application of the borrowing rate and, where available, any index or reference rate applicable to the initial borrowing rate, as well as the periods, conditions and procedure for changing the borrowing rate; if different borrowing rates apply in different circumstances, the abovementioned information on all the applicable rates;
posojilno obrestno mero, pogoje, ki urejajo uporabo posojilne obrestne mere in, če je na voljo, indeks ali referenčno obrestno mero, ki se uporablja za začetno posojilno obrestno mero, kakor tudi obdobja, pogoje in postopke za spreminjanje posojilne obrestne mere; zgoraj navedene informacije o vseh uporabljenih obrestnih merah, če se v različnih okoliščinah uporabljajo različne posojilne obrestne mere;
the annual percentage rate of charge and the total amount payable by the consumer, illustrated by means of a representative example mentioning all the assumptions used in order to calculate that rate; where the consumer has informed the creditor of one or more components of his preferred credit, such as the duration of the credit agreement and the total amount of credit, the creditor shall take those components into account; if a credit agreement provides different ways of drawdown with different charges or borrowing rates and the creditor uses the assumption set out in point (b) of Part II of Annex I, he shall indicate that other drawdown mechanisms for this type of credit agreement may result in higher annual percentage rates of charge;
efektivno obrestno mero in skupni znesek, ki ga mora plačati potrošnik, na podlagi reprezentativnega primera, pri čemer se navedejo vse predpostavke, uporabljene za izračun te obrestne mere; če je potrošnik obvestil dajalca kredita o enem ali več elementih zaželenega kredita, na primer o trajanju kreditne pogodbe in skupnemu znesku kredita, mora dajalec kredita te elemente upoštevati; če kreditna pogodba predvideva različne načine črpanja z različnimi stroški ali posojilnimi obrestmi in dajalec kredita uporabi predpostavko iz točke (b) dela II Priloge I, dajalec kredita navede, da lahko drugi mehanizmi črpanja za to vrsto kreditne pogodbe privedejo do višjih efektivnih obrestnih mer;
the amount, number and frequency of payments to be made by the consumer and, where appropriate, the order in which payments will be allocated to different outstanding balances charged at different borrowing rates for the purposes of reimbursement;
znesek, število in pogostost plačil potrošnika in po potrebi vrstni red, po katerem bodo za namene povračila plačila dodeljena za različne dolgovane zneske, zaračunane po različnih posojilnih obrestnih merah;
where applicable, the charges for maintaining one or several accounts recording both payment transactions and drawdowns, unless the opening of an account is optional, together with the charges for using a means of payment for both payment transactions and drawdowns, any other charges deriving from the credit agreement and the conditions under which those charges may be changed;
po potrebi stroške vzdrževanja enega ali več računov za vodenje plačilnih transakcij in črpanj, razen če je odprtje računa neobvezno, skupaj s stroški uporabe plačilnih sredstev tako za plačilne transakcije kot za črpanja ter vsakršne stroške, ki izhajajo iz kreditne pogodbe, in pogoje, pod katerimi se lahko ti stroški spremenijo;
where applicable, the existence of costs payable by the consumer to a notary on conclusion of the credit agreement;
po potrebi stroške, ki jih potrošnik ob sklenitvi kreditne pogodbe plača notarju;
the obligation, if any, to enter into an ancillary service contract relating to the credit agreement, in particular an insurance policy, where the conclusion of such a contract is compulsory in order to obtain the credit or to obtain it on the terms and conditions marketed;
obveznost, v kolikor obstaja, sklenitve pomožne pogodbe o storitvah, povezane s kreditno pogodbo, zlasti zavarovanja, kadar je sklenitev takšne pogodbe obvezna že za samo pridobitev kredita ali pod pogoji, ki se tržijo;
the interest rate applicable in the case of late payments and the arrangements for its adjustment, and, where applicable, any charges payable for default;
obrestno mero v primeru zapadlih plačil ter pravila za njeno prilagoditev in, kjer je to potrebno, stroške v primeru zamude pri odplačevanju;
a warning regarding the consequences of missing payments;
opozorilo o posledicah neizvedenih plačil;
where applicable, the sureties required;
po potrebi zahtevana poroštva;
the existence or absence of a right of withdrawal;
obstoj ali odsotnost pravice do odstopa;
the right of early repayment, and, where applicable, information concerning the creditor's right to compensation and the way in which that compensation will be determined in accordance with Article 16;
potrošnikovo pravico do predčasnega odplačila in po potrebi informacije o pravici dajalca kredita do nadomestila in o tem, kako se bo to nadomestilo določilo v skladu s členom 16;
the consumer's right to be informed immediately and free of charge, pursuant to Article 9(2), of the result of a database consultation carried out for the purposes of assessing his creditworthiness;
potrošnikovo pravico do takojšnje in brezplačne seznanitve z rezultatom pridobivanja informacij iz zbirke podatkov za namene ocene kreditne sposobnosti v skladu s členom 9(2);
the consumer's right to be supplied, on request and free of charge, with a copy of the draft credit agreement.
potrošnikovo pravico, da se mu na zahtevo in brezplačno zagotovi izvod osnutka kreditne pogodbe.
This provision shall not apply if the creditor is at the time of the request unwilling to proceed to the conclusion of the credit agreement with the consumer; and
Ta določba se ne uporablja, če dajalec kredita ob vložitvi zahteve ni pripravljen skleniti kreditne pogodbe s potrošnikom; in
if applicable, the period of time during which the creditor is bound by the pre-contractual information.
po potrebi časovno obdobje, ko je dajalec kredita zavezan s predpogodbenimi informacijami.
Any additional information which the creditor may provide to the consumer shall be given in a separate document which may be annexed to the Standard European Consumer Credit Information form.
Morebitne dodatne informacije, ki bi jih dajalec kredita želel posredovati potrošniku, so posredovane v ločenem dokumentu, ki se lahko priloži obrazcu o standardnih informacijah o evropskem potrošniškem kreditu.
However, in the case of voice telephony communications, as referred to in Article 3(3) of Directive 2002/65/EC, the description of the main characteristics of the financial service to be provided pursuant to the second indent of Article 3(3)(b) of that Directive shall include at least the items referred to in points (c), (d), (e), (f) and (h) of paragraph (1) of this Article, together with the annual percentage rate of charge illustrated by means of a representative example and the total amount payable by the consumer.
Vendar pa v primeru ustnih sporočil po telefonu iz člena 3(3) Direktive 2002/65/ES opis glavnih značilnosti finančne storitve, zagotovljene v skladu z drugo alineo člena 3(3)(b) iste direktive, vsebuje vsaj navedbe pod točkami (c), (d), (e), (f) in (h) odstavka 1 tega člena, skupaj z letnim odstotkom obresti, ponazorjenim na podlagi reprezentativnega primera, ter celotnim zneskom, ki ga mora plačati potrošnik.
If the agreement has been concluded at the consumer's request using a means of distance communication which does not enable the information to be provided in accordance with paragraph 1, in particular in the case referred to in paragraph 2, the creditor shall provide the consumer with the full pre-contractual information using the Standard European Consumer Credit Information form immediately after the conclusion of the credit agreement.
Če se je pogodba sklenila na zahtevo potrošnika s pomočjo sredstva za sporazumevanje na daljavo, ki ne mogoča zagotavljanja informacij v skladu z odstavkom 1, zlasti v primeru iz odstavka 2, zagotovi dajalec kredita potrošniku popolne predpogodbene informacije z uporabo obrazca o standardnih informacijah o evropskem potrošniškem kreditu takoj po sklenitvi kreditne pogodbe.
Upon request, the consumer shall, in addition to receiving the Standard European Consumer Credit Information, be supplied free of charge with a copy of the draft credit agreement.
Na zahtevo prejme potrošnik poleg standardnih informacij o evropskem potrošniškem kreditu tudi brezplačen izvod osnutka kreditne pogodbe.
This provision shall not apply if the creditor is at the time of the request unwilling to proceed to the conclusion of the credit agreement with the consumer.
Ta določba se ne uporablja, če dajalec kredita ob vložitvi zahteve ni pripravljen skleniti kreditne pogodbe s potrošnikom.
In the case of a credit agreement under which payments made by the consumer do not give rise to an immediate corresponding amortisation of the total amount of credit, but are used to constitute capital during periods and under conditions laid down in the credit agreement or in an ancillary agreement, the pre-contractual information required under paragraph 1 shall include a clear and concise statement that such credit agreements do not provide for a guarantee of repayment of the total amount of credit drawn down under the credit agreement, unless such a guarantee is given.
V primeru kreditne pogodbe, na podlagi katere plačila, ki jih opravi potrošnik, ne sprožijo takojšnjega ustreznega odplačila skupnega zneska kredita, temveč se uporabijo za oblikovanje glavnice med obdobji, in pod pogoji, določenimi v kreditni pogodbi ali v pomožni pogodbi, predpogodbene informacije, ki se zahtevajo v drugem odstavku, vsebujejo jasno in jedrnato izjavo, da take kreditne pogodbe ne zagotavljajo jamstva za odplačilo celotnega zneska črpanega kredita po kreditni pogodbi, razen v primeru, da je bilo tako jamstvo predloženo.
Member States shall ensure that creditors and, where applicable, credit intermediaries provide adequate explanations to the consumer, in order to place the consumer in a position enabling him to assess whether the proposed credit agreement is adapted to his needs and to his financial situation, where appropriate by explaining the pre-contractual information to be provided in accordance with paragraph 1, the essential characteristics of the products proposed and the specific effects they may have on the consumer, including the consequences of default in payment by the consumer.
Države članice zagotovijo, da dajalci kreditov in, kadar je ustrezno, kreditni posredniki potrošnikom zagotavljajo zadostne razlage, da bi jim omogočili oceno, ali je predlagana kreditna pogodba prilagojena njihovim potrebam in finančnemu položaju; kadar je ustrezno, pri čemer to storijo z razlago predpogodbenih informacij, ki jih je treba zagotoviti v skladu z drugim odstavkom, bistvenih lastnosti predlaganih proizvodov in specifičnih posledic, ki jih lahko imajo za potrošnika, vključno s posledicami zamude plačila s strani potrošnika.
Member States may adapt the manner by which and the extent to which such assistance is given, as well as by whom it is given, to the particular circumstances of the situation in which the credit agreement is offered, the person to whom it is offered and the type of credit offered.
Države članice lahko glede na posebne okoliščine položaja, v katerem se ponuja kreditna pogodba, glede na to, komu se ponuja, in glede na vrsto ponujenega kredita prilagodijo način in obseg zagotavljanja te pomoči ter tistega, ki jo zagotavlja.
Pre-contractual information requirements for certain credit agreements in the form of an overdraft facility and for certain specific credit agreements
Zahteve po predpogodbenih informacijah za nekatere kreditne pogodbe v obliki možnosti prekoračitve in za nekatere posebne kreditne pogodbe
In good time before the consumer becomes bound by any credit agreement or offer concerning a credit agreement as referred to in Article 2(3), (5) or (6), the creditor and, where applicable, the credit intermediary shall, on the basis of the credit terms and conditions offered by the creditor and, if applicable, the preferences expressed and information supplied by the consumer, provide the consumer with the information needed to compare different offers in order to take an informed decision on whether to conclude a credit agreement.
Preden postane potrošnik zavezan izpolnjevanju kreditne pogodbe ali ponudbe v zvezi s kreditno pogodbo iz člena 2(3), (5) ali (6), zagotovi dajalec kredita in, kjer je primerno, kreditni posrednik potrošniku informacije, ki temeljijo na kreditnih pogojih dajalca kredita, po potrebi pa tudi na izraženih preferencah potrošnika in informacijah, ki jih je ta posredoval, in sicer da lahko potrošnik primerja različne ponudbe in se tako zavestno odloči, ali bo sklenil kreditno pogodbo.
the identity and geographical address of the creditor as well as, if applicable, the identity and geographical address of the credit intermediary involved;
identiteto in geografski naslov dajalca kredita ter po potrebi identiteto in geografski naslov zadevnega kreditnega posrednika;
the borrowing rate; the conditions governing the application of that rate, any index or reference rate applicable to the initial borrowing rate, the charges applicable from the time the credit agreement is concluded, and, where applicable, the conditions under which those charges may be changed;
posojilno obrestno mero; pogoje, ki urejajo uporabo posojilne obrestne mere, indeks ali referenčno obrestno mero, ki se uporablja za začetno posojilno obrestno mero; stroške, veljavne od datuma sklenitve kreditne pogodbe, in po potrebi tudi pogoje, pod katerimi se lahko ti stroški spremenijo;
the annual percentage rate of charge, illustrated by means of representative examples mentioning all the assumptions used in order to calculate that rate;
efektivno obrestno mero, ponazorjeno na podlagi reprezentativnih primerov, pri čemer se navedejo vse predpostavke, uporabljene za izračun te obrestne mere;
the conditions and procedure for terminating the credit agreement;
pogoje in postopke za prekinitev kreditne pogodbe;
in the case of credit agreements as referred to in Article 2(3), where applicable, an indication that the consumer may be requested to repay the amount of credit in full at any time;
navedbo, da se v primeru kreditnih pogodb iz člena 2(3) lahko po potrebi od potrošnika kadar koli zahteva, da v celoti odplača znesek kredita;
in the case of credit agreements as referred to in Article 2(3), information about the charges applicable from the time such agreements are concluded and, if applicable, the conditions under which those charges may be changed;
v primeru kreditnih pogodb iz člena 2(3) na informacije o nastalih stroških od takrat, ko so take kreditne pogodbe sklenjene, in po potrebi o pogojih, pod katerimi se lahko takšni stroški spremenijo;
Such information shall be provided on paper or on another durable medium and all information shall be equally prominent.
Te informacije se posredujejo na papirju ali drugem trajnem nosilcu podatkov, pri čemer se zagotovi enaka preglednost teh informacij.
It may be provided by means of the European Consumer Credit Information form set out in Annex III.
Lahko se zagotovijo z obrazcem „informacije o evropskem potrošniškem kreditu“ iz Priloge III.
The creditor shall be deemed to have fulfilled the information requirements in this paragraph and in Article 3(1) and (2) of Directive 2002/65/EC if he has supplied the European Consumer Credit Information.
Šteje se, da je dajalec kredita izpolnil zahteve po informacijah iz tega odstavka ter člena 3(1) in (2) Direktive 2002/65/ES, če je zagotovil informacije o evropskem potrošniškem kreditu.
In the case of a credit agreement of the kind referred to in Article 2(3), Member States may decide that the annual percentage rate of charge need not be provided.
V primeru kreditne pogodbe v smislu člena 2(3) lahko države članice določijo, da efektivna obrestna mera ni navedena.
In the case of a credit agreement as referred to in Article 2(5) and (6), the information provided to the consumer in accordance with paragraph 1 of this Article shall also include:
V primeru kreditne pogodbe iz člena 2(5) in (6) vključujejo informacije, ki se potrošniku zagotovijo v skladu z odstavkom 1 tega člena, tudi:
the amount, number and frequency of payments to be made by the consumer and, where appropriate, the order in which payments will be allocated to different outstanding balances charged at different borrowing rates for the purposes of reimbursement; and
znesek, število in pogostost plačil, ki jih mora potrošnik opraviti, in po potrebi vrstni red, po katerem bodo za namene povračila plačila dodeljena za različne dolgovane zneske, zaračunane po različnih posojilnih obrestnih merah; in
the right of early repayment, and, where applicable, information concerning the creditor's right to compensation and the way in which that compensation will be determined.
pravico do predčasnega odplačila in po potrebi informacije o pravici dajalca kredita do nadomestila in o tem, kako se bo to nadomestilo določilo.
However, if the credit agreement falls within the scope of Article 2(3), only the provisions of paragraph 1 of this Article shall apply.
Če kreditna pogodba spada v področje uporabe člena 2(3), se uporabijo samo določbe iz odstavka 1 tega člena.
However, in the case of voice telephony communications and where the consumer requests that the overdraft facility be made available with immediate effect, the description of the main characteristics of the financial service shall include at least the items referred to in points (c), (e), (f) and (h) of paragraph 1.
Vendar pa v primeru ustnih sporočil po telefonskih zvezah in v primeru potrošnikove zahteve za dovoljeno prekoračitev s takojšnjim učinkom opis glavnih značilnosti finančne storitve vsebuje vsaj elemente pod točkami (c), (e), (f) in (h) odstavka 1.
In addition, in credit agreements of the kind referred to in paragraph 3, the description of the main characteristics shall include a specification of the duration of the credit agreement.
Hkrati vsebuje opis glavnih značilnosti tudi trajanje kreditne pogodbe v primeru kreditnih pogodb iz odstavka 3.
Notwithstanding the exclusion provided for in Article 2(2)(e), the Member States shall apply at least the requirements of the first sentence of paragraph 4 of this Article to credit agreements in the form of an overdraft facility and where the credit has to be repaid within one month.
Ne glede na izključitev iz člena 2(2)(e) države članice za kreditne pogodbe v obliki možnosti prekoračitve, ki jih je treba odplačati v enem mesecu, uporabljajo vsaj zahteve iz prvega stavka odstavka 4 tega člena.
Upon request, the consumer shall, in addition to receiving the information referred to in paragraphs 1 to 4, be supplied free of charge with a copy of the draft credit agreement containing the contractual information provided for by Article 10 insofar as that Article is applicable.
Na zahtevo prejme potrošnik poleg informacij iz odstavkov 1 do 4 tudi brezplačno izvod osnutka kreditne pogodbe, ki vsebuje pogodbene informacije iz člena 10, če se ta člen uporablja.
If the agreement has been concluded at the consumer's request using a means of distance communication which does not enable the information to be provided in accordance with paragraphs 1 and 3, including in the cases referred to in paragraph 4, the creditor shall immediately after the conclusion of the credit agreement fulfil his obligations under paragraphs 1 and 3 by providing the contractual information pursuant to Article 10 insofar as that Article is applicable.
Če se je pogodba sklenila na zahtevo potrošnika s pomočjo sredstva za sporazumevanje na daljavo, ki ne omogoča zagotavljanja informacij v skladu z odstavkoma 1 in 3, vključno s primeri iz odstavka 4, dajalec kredita izpolni obveznost iz odstavkov 1 in 3, tako da takoj po sklenitvi kreditne pogodbe zagotovi pogodbene informacije v skladu s členom 10, kolikor se uporablja ta člen.
Exemptions from the pre-contractual information requirements
Izjeme od obveznosti zagotavljanja predpogodbenih informacij
Articles 5 and 6 shall not apply to suppliers of goods or services acting as credit intermediaries in an ancillary capacity.
Člena 5 in 6 se ne uporabljata za dobavitelje blaga ali ponudnike storitev, ki nastopajo kot kreditni posredniki v pomožni funkciji.
This is without prejudice to the creditor's obligation to ensure that the consumer receives the pre-contractual information referred to in those Articles.
To ne posega v obveznost dajalca kredita, da zagotovi, da potrošnik prejme predpogodbene informacije iz teh členov.
Obligation to assess the creditworthiness of the consumer
Obveznost ocene kreditne sposobnosti potrošnika