natgillin/translations-raw huggingface dataset:
At the time when the deposit is placed, the total return to the household from the pension savings account is not known and may also be negative.
Ob vplačilu vloge skupni donos računa pokojninskega varčevanja za gospodinjstvo ni znan in je lahko tudi negativen.
In addition, at the time the deposit is placed, an interest rate is agreed between the household and the credit or other institution which applies only to the deposit part; this does not apply to the part invested in securities.
Poleg tega se ob vplačilu vloge gospodinjstvo in kreditna ali druga institucija dogovorita o obrestni meri samo za depozitni del; to ne velja za tisti del, ki je naložen v vrednostne papirje.
Hence, only the deposit part that is not invested in securities is covered by MFI interest rate statistics.
Zato statistika obrestnih mer MFI zajema samo depozitni del, ki ni naložen v vrednostne papirje.
The AAR on new business that is reported is the rate agreed between the household and the reporting agent for the deposit part at the time the deposit is placed.
AAR zanove posle ki se poroča, je obrestna mera, o kateri se dogovorita gospodinjstvo in poročevalska enota za depozitni del ob vplačilu vloge.
The AAR on outstanding amounts is the rate applied by the reporting agent to the deposit part of the pension savings accounts at the time of calculation of the MFI interest rate.
AAR za stanje zadolženosti je obrestna mera, ki jo poročevalska enota uporablja za depozitni del računa pokojninskega varčevanja v času izračuna obrestne mere MFI.
Saving plans for housing loans are long-term saving schemes that may provide a low return but, after a certain period of saving, give the household or non-financial corporation the right to a housing loan at a discounted rate.
Varčevalne sheme za stanovanjska posojila so dolgoročni programi varčevanja, ki imajo lahko nizke donose, a po določenem obdobju varčevanja dajo gospodinjstvom ali nefinančnim družbam pravico do stanovanjskega posojila po znižani obrestni meri.
Following Part 2 of Annex II to Regulation (EC) No 25/2009 (ECB/2008/32), these savings plans are classified under deposits with agreed maturity over two years as long as they are used as a deposit.
V skladu z določbami Dela 2, Priloge II k Uredbi (ES) št. 25/2009 (ECB/2008/32) se te varčevalne sheme razvrstijo med vezane vloge nad dvema letoma, vse dokler se uporabljajo kot vloge.
As soon as they are transformed into a loan, they are classified as loans to households for house purchases.
Brž ko se preoblikujejo v posojilo, se razvrstijo kot stanovanjska posojila gospodinjstvom.
Reporting agents report as new deposit business the interest rate that is agreed at the time the initial deposit is placed.
Poročevalske enote poročajo kot nove depozitne posle tiste obrestne mere, ki so bile dogovorjene ob vplačilu začetne vloge.
The corresponding amount of new business is the amount of money that has been placed.
Ustrezni znesek novih poslov je vplačani denarni znesek.
The increase of this amount on the deposit over time is only covered by the outstanding amounts.
Povečanje tega vplačanega zneska v času je zajeto samo sstanjem zadolženosti.
At the time when the deposit is transformed into a loan, this new loan is recorded as new lending business.
Ob preoblikovanju vloge v posojilo se to novo posojilo evidentira kot nov posojilni posel.
The interest rate is the discounted rate that is being offered by the reporting agent.
Obrestna mera je znižana obrestna mera, ki jo ponuja poročevalska enota.
The weight is the total amount of the loan that is being granted to the household or non-financial corporation.
Ponder predstavlja skupni znesek posojila, ki je odobren gospodinjstvu ali nefinančni družbi.
In line with Part 2 of Annex II to Regulation (EC) No 25/2009 (ECB/2008/32), deposits placed according to the French regulated housing plan ‘plan d'épargne-logement’ (PEL) are classified as deposits with an agreed maturity of over two years.
z določbami Dela 2, Priloge II k Uredbi (ES) št. 25/2009 (ECB/2008/32) se vloge, vplačane v skladu s francosko regulirano stanovanjsko shemo ‘plan d'épargne-logement’ (PEL), razvrstijo kot vezane vloge nad dvema letoma.
The government regulates the conditions governing these PELs and fixes the interest rate, which remains unchanged over the entire maturity of the deposit, i.e. each ‘generation’ of PELs has the same interest rate attached to it.
Vlada ureja pogoje za omenjene PEL in določa obrestno mero, ki ostane ves čas zapadlosti vloge nespremenjena, tj. vsaka ‘generacija’ PEL se obrestuje z enako obrestno mero.
PELs are held for at least four years and each year the customer deposits a minimal pre-fixed amount but is allowed to increase the payments at any time during the course of the scheme.
PEL trajajo najmanj štiri leta in vsako leto stranka vplača minimalni vnaprej določeni znesek, vendar lahko ta vplačila kadar koli med trajanjem sheme poveča.
Reporting agents report as new business the initial deposit at the opening of a new PEL.
Poročevalske enote poročajo kot nove posle začetne vloge ob ustanovitvi nove PEL.
The amount of money that is initially placed on the PEL may be very low, which means that the weight attached to the new business rate will also be relatively low.
Denarni znesek, ki se v začetku vplača v okviru PEL, je lahko zelo nizek, kar pomeni, da bo ponder, uporabljen za obrestno mero za nove posle, prav tako relativno nizek.
This approach ensures that the new business rate always reflects the conditions governing the current generation of PELs.
Ta pristop zagotavlja, da obrestna mera za nove posle vedno odraža pogoje, ki urejajo obstoječo generacijo PEL.
Changes in the interest rate applied to the new PELs are reflected in the new business rate.
Spremembe v obrestnih merah, uporabljenih za nove PEL, se odražajo v obrestnih merah za nove posle.
The reaction of consumers in terms of a portfolio shift from other long-term deposits to pre-existing PELs is not reflected in the new business rates but only in the rates on outstanding amounts.
Odziv potrošnikov v smislu preusmeritve portfelja z drugih dolgoročnih vlog v že obstoječe PEL se ne odraža v obrestnih merah za nove posle, temveč samo v obrestnih merah za stanje zadolženosti.
At the end of the period of four years, the customer may either ask for a loan at a discounted rate or renew the contract.
Ob koncu štiriletnega obdobja lahko stranka bodisi zaprosi za posojilo po znižani obrestni meri bodisi obnovi pogodbo.
Since this renewal of the PEL is carried out automatically without any active involvement of the customer, and since the terms and conditions of the contract including the interest rate are not renegotiated, in line with paragraph 21 this renewal is not considered as new business.
Ker se ta obnovitev PEL opravi samodejno brez kakršnega koli aktivnega sodelovanja stranke in ker pogodbeni pogoji vključno z obrestnimi merami niso predmet ponovnega pogajanja, se skladno z odstavkom 21 ta obnovitev ne šteje za nov posel.
On renewing the contract, the customer is allowed to make additional deposits, provided that the outstanding amount does not exceed a defined ceiling and the contract does not exceed a defined maximum years of maturity.
Ob obnovitvi pogodbe sme stranka vplačati dodatne vloge pod pogojem, da stanje zadolženosti ne presega določene zgornje meje in da pogodba ne presega določenega največjega števila let zapadlosti.
If the ceiling or maximum maturity are reached, the contract is frozen.
Če je zgornja meja ali najdaljša zapadlost dosežena, se pogodba zamrzne.
The household or non-financial corporation keeps the borrowing rights and is still granted interest following the conditions prevailing at the time of opening of the PEL as long as the money is left in the bank's book.
Gospodinjstvo ali nefinančna družba obdržita pravice do najetja posojila in še vedno prejemata obresti v skladu s pogoji, ki so veljali ob času ustanovitve PEL, vse dokler se denar vodi pri banki.
The government grants a subsidy in terms of an interest payment on top of the interest rate offered by the credit or other institution.
Vlada podeljuje subvencijo v smislu plačila dodatnih obresti poleg obrestne mere, ki jo ponuja kreditna ali druga institucija.
In line with paragraph 6, only that part of the interest payment offered by the credit or other institution is captured in MFI interest rate statistics.
V skladu z odstavkom 6 se v statistiki obrestnih mer MFI zajame samo tisti del plačil obresti, ki jih ponuja kreditna ali druga institucija.
The government subsidy, which is paid through but not by the credit or other institution, is ignored.
Vladna subvencija, ki se plačuje preko kreditne ali druge institucije, a ne s strani le-te, se ne upošteva.
NCBs may grant derogations for consumer credit and loans to households for house purchase vis-à-vis non-profit institutions serving households.
NCB lahko odobrijo odstopanja za potrošniška posojila in stanovanjska posojila gospodinjstvom pri nepridobitnih izvajalcih storitev za gospodinjstva.
14 and S. 15 combined, as defined in the European System of Accounts (ESA) 1995, contained in Annex A to Council Regulation (EC) No 2223/96 of 25 June 1996 on the European system of national and regional accounts in the Community, OJ L 310, 30.11.1996, p. 1.
in S.15 skupaj, kakor je opredeljeno v Evropskem sistemu računov (ESR) 1995, ki je vsebovan v Prilogi A k Uredbi Sveta (ES) št. 2223/96 z dne 25. junija 1996 o Evropskem sistemu nacionalnih in regionalnih računov v Skupnosti, UL L 310, 30.11.1996, str. 1.OJ L 310, 30.11.1996, p. 1.
11 as defined in the ESA 1995.
S.11, kakor je opredeljeno v ESR 1995.
No expansion factors are required for the weighted average interest rates if the estimate from the sample is considered to equal the estimate for the entire potential reporting population (e.g. because all business in the instrument concerned is done by the sampled institutions).
Za ponderirane povprečne obrestne mere se dejavniki povečanja ne uporabijo, če se šteje, da je ocena iz vzorca enaka oceni za celotno potencialno poročevalsko populacijo (npr. zato, ker vse posle za upoštevni instrument opravi institucija, ki je vključena v vzorec).
Instrument categories for interest rates on outstanding amounts
Kategorije instrumentov za obrestne mere za stanje zadolženosti
An AAR or NDER is reported on a monthly basis for each of the categories included in Table 1.
AAR ali NDER se poroča mesečno za vsako kategorijo iz tabele 1.
Original maturity, period of notice, initial period of interest rate fixation
Prvotna zapadlost, odpovedni rok, začetno obdobje določitve obrestne mere
Outstanding amount indicator
Kazal-nik stanja zadolženosti
Deposits in EUR
Vloge v EUR
From households
Gospodinjstva
Up to 2 years
Do dveh let
Over 2 years
Nad dvema letoma
From non-financial corporations
Nefinančne družbe
Loans in EUR
Posojila v EUR
For house purchases
Stanovanjska
Up to 1 year
Do enega leta
Over 1 and up to 5 years
Od enega do petih let
Over 5 years
Nad petimi leti
For consumption and other purposes
Potrošniška in druga posojila
Instrument categories for interest rates on new business
Kategorije instrumentov za obrestne mere za nove posle
An AAR or NDER is reported on a monthly basis for the categories included in Tables 2, 3, 4 and 5.
AAR ali NDER se poroča mesečno za kategorije iz tabel 2, 3, 4 in 5.
The reporting of the AAR is accompanied by the related business amount if indicated in the tables by the word ‘amount’.
Poročanje AAR je dopolnjeno z ustreznim zneskom posla, če je tako označeno v tabelah z besedo „znesek“.
Categories within Tables 2 (except indicators 33 to 35), 3 and 5 are mutually exclusive within each table.
Kategorije v tabelah 2 (razen kazalnikov od 33 do 35), 3 in 5 se vzajemno izključujejo znotraj vsake tabele.
Therefore, a loan reported under any indicator in Table 2 (except indicators 33 to 35) and/or in Table 3 and/or Table 5 is not reported again under any other indicator in the same table, except for loans reported in indicators 33 to 35, which are also to be reported under indicators 20 to 22.
Zato se posojilo, ki se poroča pod katerim koli kazalnikom v tabeli 2 (razen pod kazalniki od 33 do 35) in/ali v tabeli 3 in/ali v tabeli 5, ne poroča zopet pod drugimi kazalniki iz iste tabele, razen posojil, ki se poročajo pod kazalniki od 33 do 35, ki se poročajo tudi pod kazalniki od 20 do 22.
All loans reported under any category in Table 3 must also appear in the corresponding category of Table 2.
Vsa posojila, ki se poročajo pod katero koli kategorijo v tabeli 3, se morajo prikazati tudi v ustrezni kategoriji tabele 2.
As for indicators in Table 4, these are sub-indicators of Table 2, and, if secured, of Table 3; therefore any loan reported under Table 4 must also appear in Table 2 or 3 as appropriate.
Kazalniki iz tabele 4 so podkazalniki tabele 2 in, če gre za zavarovana posojila, podkazalniki tabele 3; posojila, ki se poročajo v tabeli 4, se morajo zato prikazati tudi v tabeli 2 oziroma 3.
Table 5 refers only to APRC.
Tabela 5 se nanaša samo na APRC.
Loans recorded in Table 5 are also be recorded in Tables 2, 3 and 4 as appropriate, taking into account the different methodology of APRC as contained in paragraph 9.
Posojila, ki se evidentirajo v tabeli 5, se poročajo tudi v tabelah 2, 3 oziroma 4, upoštevajoč različno metodologijo APRC, določeno v odstavku 9.
The concept of new business is extended to the whole stock, i.e. to outstanding amounts in the case of overnight deposit, deposits redeemable at notice, revolving loans and overdrafts and extended credit card debt, i.e. indicators 1, 5, 6, 7, 12, 23, 32, 36.
Pojem novih poslov se razširja na celotno stanje vlog in posojil, tj. na stanja zadolženosti v primeru vlog čez noč, vlog na odpoklic z odpovednim rokom, posojil revolving in prekoračitev stanj na računih ter obrestovanega dolga po kreditnih karticah, tj. kazalniki 1, 5, 6, 7, 12, 23, 32, 36.
Up to 1 year maturity
Zapadlost do enega leta
AAR, amount
AAR, znesek
Over 1 and up to 2 years maturity
Zapadlost od enega do dveh let
Over 2 years maturity
Zapadlost nad dvema letoma
Redeemable at notice [1]
Na odpoklic z odpovednim rokom [1]
Up to 3 months notice
Z odpovednim rokom do treh mesecev
Over 3 months notice
Z odpovednim rokom nad tremi meseci
Revolving loans and overdrafts
Posojila revolving in prekoračitve stanja na računih
Extended credit card debt
Obrestovani dolg po kreditnih karticah
For consumption
Potrošniška
Floating rate and up to 1 year period of initial rate fixation
Spremenljiva obrestna mera in obdobje začetne določitve obrestne mere do enega leta
Over 5 and up to 10 years period of initial rate fixation
Obdobje začetne določitve obrestne mere od petih do desetih let
Over 10 years period of initial rate fixation
Obdobje začetne določitve obrestne mere nad desetimi leti
For other purposes
Za druge namene
For other purposes, of which: Sole proprietors
Za druge namene, od tega: Samostojni podjetniki posamezniki
Loans up to an amount of EUR 0,25 mn
Posojila do 0,25 mio EUR
Floating rate and up to 3 months period of initial rate fixation
Spremenljiva obrestna mera in obdobje začetne določitve obrestne mere do treh mesecev
Over 3 months and up to 1 year period of initial rate fixation
Obdobje začetne določitve obrestne mere od treh mesecev do enega leta
Over 1 and up to 3 year period of initial rate fixation
Obdobje začetne določitve obrestne mere od enega do treh let
Over 3 and up to 5 years period of initial rate fixation
Obdobje začetne določitve obrestne mere od treh do petih let
Loans over an amount of EUR 0,25 mn and up to EUR 1 mn
Posojila od 0,25 mio EUR do 1 mio EUR
Over 1 and up to 3 years period of initial rate fixation
Obdobje začetne določitve obrestne mere od enega do treh let
Loans over an amount of EUR 1 mn
Posojila nad 1 mio EUR
Over 3 month and up to 1 year period of initial rate fixation
Obdobje začetne določitve obrestne mere od treh mesecev do enega leta
New business loans with collateral and/or guarantees
Novi posojilni posli, zavarovani s premoženjem in/ali jamstvi
Over 10 years period of initial rates fixation
Obdobje začetne določitve obrestne mere nad desetimi leti
New business loans to non-financial corporations with period of initial rate fixation below 1 year and original maturity over 1 year
Novi posojilni posli nefinančnim družbam z obdobjem začetne določitve obrestne mere pod enim letom in s prvotno zapadlostjo nad enim letom
All loans/collateralised/guaranteed loans by original maturity
Vsa posojila/posojila, zavarovana s premoženjem/jamstvi po prvotni zapadlosti
Floating rate and up to 1 year period of initial rate fixation, with original maturity over 1 year
Spremenljiva obrestna mera in obdobje začetne določitve obrestne mere do enega leta s prvotno zapadlostjo nad enim letom
Floating rate and up to 1 year period of initial rate fixation, with original maturity over 1 year, only collateralised/guaranteed loans
Spremenljiva obrestna mera in obdobje začetne določitve obrestne mere do enega leta s prvotno zapadlostjo nad enim letom, samo posojila, zavarovana s premoženjem/jamstvi
New business loans to households
Novi posojilni posli gospodinjstvom
All loans
Vsa posojila
For house purchase
Stanovanjska
For this instrument category, households and non-financial corporations are merged and allocated to the household sector.
Za to kategorijo instrumentov se gospodinjstva in nefinančne družbe združijo in dodelijo sektorju gospodinjstev.
Until and including the reference month of December 2010, paragraph 10 of Annex I reads as follows:
Do vključno referenčnega meseca decembra 2010 se odstavek 10 Priloge I glasi:
“The minimum national sample size is such that:
‚Najmanjši obseg nacionalnega vzorca je tak, da:
the maximum random error for interest rates on new business on average over all instrument categories does not exceed 10 basis points at a confidence level of 90 %; or
največja slučajna napakaza obrestne mere za nove posle za vse kategorije instrumentov v povprečju ne presega 10 bazičnih točk ob ravni zaupanja 90 %; ali
it covers at least 30 % of the resident potential reporting population; where 30 % of the resident potential reporting population is greater than 100, the minimum national sample size may nevertheless be limited to 100 reporting agents; or
pokriva najmanj 30 % rezidenčne potencialne poročevalske populacije; kadar 30 % rezidenčne potencialne poročevalske populacije presega 100, se najnižji obseg nacionalnega vzorca lahko kljub temu omeji na 100 poročevalskih enot; ali
the reporting agents in the national sample cover at least 75 % of the stock of euro-denominated deposits received from and at least 75 % of the stock of euro-denominated loans granted to households and non-financial corporations resident in the participating Member States.”
poročevalske enote v nacionalnem vzorcu pokrivajo najmanj 75 % stanja vlog, izraženih v eurih, prejetih od gospodinjstev in nefinančnih družb, ki so rezidenti sodelujočih držav članic, ter najmanj 75 % vseh posojil, izraženih v eurih, odobrenih gospodinjstvom in nefinančnim družbam, ki so rezidenti sodelujočih držav članic.‘
Until and including the reference month of December 2010, paragraph 61 of Annex II reads as follows:
Do vključno referenčnega meseca decembra 2010 se odstavek 61 Priloge II glasi:
“NCBs may grant derogations in respect of the reporting of both interest rates applied to and business volumes of collateralised or guaranteed loans to non-financial corporations, indicators 62 to 85, if:
‚NCB lahko odobrijo odstopanja od poročanja obrestnih mer za posojila nefinančnim družbam, ki so zavarovana s premoženjem ali jamstvi, in obsega takšnih posojil, kazalniki od 62 do 85, če
the national aggregate business volume of the corresponding item (indicators 37 to 54) covering all loans represents less than 10 % of the national aggregate business volumes of the sum of all loans in the same size category and less than 2 % of the business volumes for the same size of loan and initial period of fixation category at euro area level; or
nacionalni agregatni obseg poslov odgovarjajoče postavke (kazalniki od 37 do 54), ki zajema vsa posojila, predstavlja manj kot 10 % nacionalnega agregatnega obsega vsote vseh posojil v isti kategoriji velikosti posojila in manj kot 2 % obsega poslov v isti kategoriji velikosti posojila in začetnega obdobja določitve obrestne mere na ravni euroobmočja; ali
the national aggregate business volume of the corresponding item covering all (secured and unsecured) loans for the corresponding size of loan and initial period of fixation category in relation to the indicators in the table below (former new business (NB) indicators 24 to 29 in Table 2 of Appendix 2 to Annex II) is lower than EUR 100 million in December 2008.
je nacionalni agregatni obseg poslov odgovarjajoče postavke, ki zajema vsa (zavarovana in nezavarovana) posojila, v odgovarjajoči kategoriji velikosti posojila in začetnega obdobja določitve obrestne mere glede kazalnikov v spodnji tabeli (predhodni kazalniki novih poslov od 24 do 29 v tabeli 2 Dodatka 2 k Prilogi II) v decembru 2008 manjši od 100 milijonov EUR.
Former new business indicator
Predhodni kazalnik novih poslov
Loans up to [3] an amount of EUR 1 million
Posojila do [3] 1 mio EUR
Floating rate and up to 1 year initial rate fixation
Spremenljiva obrestna mera in začetna določitev obrestne mere do enega leta
Over 1 and up to 5 years initial rate fixation
Začetna določitev obrestne mere od enega do petih let
Over 5 years initial rate fixation
Začetna določitev obrestne mere nad petimi leti
Loans over an amount of EUR 1 million
Posojila nad 1 mio EUR
If derogations are granted, the abovementioned thresholds are to be checked on an annual basis.” ’
Če se odstopanja odobrijo, se zgornji pragovi letno preverjajo.‘“
D = zα/2 * var(θ^) ≈ zα/2 * vâr(θ^) , with D as the maximum random error, zα/2 as the factor computed from the normal distribution or any suitable distribution according to the structure of the data (e.g. t-distribution) assuming a confidence level of 1-α, var() as the variance of the estimator of parameter θ, and vâr() as the estimated variance of the estimator of parameter .
D = zα/2 * var(θ^) ≈ zα/2 * vâr(θ^) , kjer je D največja slučajna napaka, zα/2dejavnik, izračunan iz normalne porazdelitve ali kakršne koli ustrezne porazdelitve v skladu s strukturo podatkov (npr. t-porazdelitev) ob predpostavljeni ravni zaupanja 1-α, vâr() varianca cenilke parametra θ in vâr()ocenjena varianca cenilke parametra θ.
The NCBs may directly translate the absolute measure of 10 basis points at a confidence level of 90 % into a relative measure in terms of the acceptable maximum variation coefficient of the estimator.
NCB lahko neposredno pretvorijo absolutno mero 10 bazičnih točk na ravni zaupanja 90 % v relativno mero v smislu sprejemljivega količnika največjega odstopanja pretvorbe za cenilko.
“Up to” means “up to and including”.
‚Do‘ pomeni ‚do vključno‘.
Saving deposits with a basic interest rate plus a fidelity and/or growth premium may exist. At the time the deposit is placed, it is not certain whether or not the premium will be paid.
Obstajajo lahko hranilne vloge s temeljno obrestno mero, povečano za premijo za zvestobo in/ali za povečanjeV času vplačila vloge ni gotovo, ali bo premija izplačana ali ne.
For other loans to non-financial corporations, i.e. indicators 37 to 54 and 62 to 85 in Appendix 2, three categories of amounts are distinguished: (a) ‘up to and including EUR 0,25 million’; (b) ‘over EUR 0,25 million up to and including EUR 1 million’; and (c) ‘over EUR 1 million’. The amount refers to the single loan transaction considered as new business, rather than to all business between the non-financial corporation and the reporting agent.
Za druga posojila nefinančnim družbam, tj. kazalniki od 37 do 54 in od 62 do 85 iz Dodatka 2, se razlikujejo tri kategorije: (a) ‘do vključno 0,25 milijona EUR’; (b) ‘od 0.25 milijona EUR do vključno 1 milijona EUR’;’; in (c) ‘nad 1 milijonom EUR’.Znesek se nanaša na posamični posojilni posel, ki se šteje za novi posel, ne pa na vse posle med nefinančno družbo in poročevalsko enoto.