natgillin/translations-raw huggingface dataset:
Annual percentage rate of charge
Efektivna obrestna mera
In addition to AARs, the reporting agents provide the APRC for new business in respect of consumer credit and loans to households for house purchases, i.e.:
Poročevalske enote poleg AAR poročajo APRC za nove posle v zvezi s potrošniškimi krediti in posojili gospodinjstvom za nakup hiše, in sicer:
one APRC for new business consumer credit (see indicator 30 in Appendix 2), and
eno APRC za nove posle iz potrošniških kreditov (glej kazalnik 30 v Dodatku 2) in
one APRC for new business loans to households for house purchases (see indicator 31 in Appendix 2) [2].
eno APRC za nove posle iz posojil gospodinjstvom za nakup hiše (glej kazalnik 31 v Dodatku 2) [2].
The APRC covers the ‘total cost of the credit to the consumer’, as defined in Article 3(g) of Directive 2008/48/EC.
APRC se nanaša na „skupne stroške kredita za potrošnika“, kot so opredeljeni v členu 3(g) Direktive 2008/48/ES.
These total costs comprise an interest rate component and a component of other (related) charges, such as the cost of inquiries, administration, preparation of the documents, guarantees, credit insurance, etc.
Ti skupni stroški obsegajo komponento obrestnih mer in komponento drugih (povezanih) stroškov, kot so stroški poizvedovanja, upravljanja, priprave dokumentacije, jamstev, zavarovanja kreditov itd.
The composition of the component of other charges may vary across countries, because the definitions in Directive 2008/48/EC are applied differently, and because national financial systems and the procedure for securing credits differ.
Sestava komponent drugih stroškov se lahko od države do države razlikuje zaradi različne uporabe opredelitev iz Direktive 2008/48/ES in zaradi razlik v nacionalnih finančnih sistemih in postopkih zavarovanja kreditov.
Business coverage
Poročanje o poslih
An interest rate on outstanding amounts reflects the weighted average interest rate applied to the stock of deposits or loans in the relevant instrument category as at the time reference point as defined in paragraph 29.
Obrestna mera za stanje zadolženosti odraža tehtano povprečno obrestno mero, ki se uporablja za stanja vlog ali posojil v ustrezni kategoriji instrumentov v referenčni časovni točki, kot je opredeljena v odstavku 29.
The weighted average interest rate is the sum of the AAR multiplied by the corresponding outstanding amounts and divided by the total outstanding amounts.
Tehtana povprečna obrestna mera je vsota AAR, pomnožena z odgovarjajočim stanjem zadolženosti in deljena s celotnim stanjem zadolženosti.
It covers all outstanding balances on contracts that have been agreed in all the periods prior to the reference date.
Nanaša se na vsa odprta stanja iz pogodb, ki so bile dogovorjene v vseh časovnih obdobjih pred referenčnim datumom.
V. New business on overnight deposits, deposits redeemable at notice, credit card debt and revolving loans and overdrafts
V. Novi posli glede vlog čez noč, vlog na odpoklic z odpovednim rokom, dolga po kreditnih karticah in posojil revolving ter prekoračitev stanj na računih
In the case of overnight deposits, deposits redeemable at notice, credit card debt and revolving loans and overdrafts as defined in paragraphs 46 to 49 and 55, the concept of new business is extended to the whole stock.
V primeru vlog čez noč, vlog na odpoklic z odpovednim rokom, dolga po kreditnih karticah in posojil revolving ter prekoračitev stanj na računih, kot so opredeljeni v odstavkih 46 do 49 in 55, se pojem novih poslov razširja na celotno stanje vlog in posojil.
Hence, the debit or credit balance, i.e. the amount outstanding at the time reference point as defined in paragraph 32, is used as an indicator for new business on overnight deposits, deposits redeemable at notice, credit card debt and revolving loans and overdrafts.
Zato se stanje v breme ali v dobro, tj. stanje zadolženosti v referenčni časovni točki, kot je opredeljena v odstavku 32, uporabi kot kazalnik za nove posle glede vlog čez noč, vlog na odpoklic z odpovednim rokom, dolga po kreditnih karticah in posojil revolving ter prekoračitev stanj na računih.
The interest rates for overnight deposits, deposits redeemable at notice, credit card debt and revolving loans and overdrafts reflect the weighted average interest rate applied to the stock on these accounts at the time reference point as defined in paragraph 32.
Obrestne mere za vloge čez noč, vloge na odpoklic z odpovednim rokom, dolg po kreditnih karticah in posojila revolving ter prekoračitve stanj na računih odražajo tehtano povprečno obrestno mero, ki se uporablja za stanje teh računov v referenčni časovni točki, kot je opredeljena v odstavku 32.
They cover the current balance sheet positions of all outstanding contracts that have been agreed in all the periods prior to the reference date.
Zajemajo tekoče bilančne pozicije vseh odprtih pogodb, ki so bile dogovorjene v vseh časovnih obdobjih pred referenčnim datumom.
The reporting agents report weighted average interest rates referring to the credit balances as overnight deposits and weighted average interest rates referring to the debit balances as overdrafts.
Poročevalske enote poročajo tehtane povprečne obrestne mere, ki se nanašajo na stanja v dobro, kot vloge čez noč in tehtane povprečne obrestne mere, ki se nanašajo na stanja v breme, kot prekoračitve stanj na računih.
They do not report weighted average interest rates combining (low) overnight deposit rates and (high) overdraft rates.
Ne poročajo tehtanih povprečnih obrestnih mer, ki združujejo (nizke) obrestne mere za vloge čez noč in (visoke) obrestne mere za prekoračitve stanj na računih.
The following paragraphs 20 to 27 refer to deposits with agreed maturity, repurchase agreements (repos) and all loans other than revolving loans and overdrafts and credit card debt as defined in paragraphs 46 to 49 and 55.
Naslednji odstavki 20 do 27 se nanašajo na vezane vloge, pogodbe o začasni prodaji (repo) in vsa posojila razen posojil revolving in prekoračitev stanj na računih ter dolga po kreditnih karticah, kot so določeni v odstavkih 46 do 49 in 55.
Paragraphs 22 to 23 on renegotiated loans refer only to loans other than revolving loans, overdrafts and credit card debt.
Odstavki 22 do 23 o na novo izpogajanih posojilih se nanašajo samo na posojila razen posojil revolving, prekoračitev stanj na računih in dolga po kreditnih karticah.
all renegotiations of existing deposit and loan contracts as defined in paragraph 21.
vse posle iz naslova novih pogajanj o obstoječih pogodbah o vlogah ali posojilih, kot je opredeljeno v odstavku 21.
Renegotiation refers to the active involvement of the household or non-financial corporation in adjusting the terms and conditions of an existing deposit or loan contract, including the interest rate.
Novo pogajanje se nanaša na aktivno sodelovanje gospodinjstva ali nefinančne družbe pri prilagajanju pogojev obstoječe pogodbe o vlogi ali posojilu, vključno z obrestno mero.
Thus, extensions and other adjustments of the terms and conditions that are carried out automatically, i.e. without any active involvement of the household or non-financial corporation, are not renegotiations.
Zato podaljšanja in druge prilagoditve pogojev, ki se opravijo samodejno, tj. brez aktivnega sodelovanja gospodinjstva ali nefinančne družbe, ne pomenijo novih pogajanj.
For the separate reporting of new business volumes of renegotiated loans to households and non-financial corporations in MFI interest rate statistics, renegotiation refers to new business loans, other than credit card debt and revolving loans and overdrafts, already on the balance sheet of the reporting agent at the end of the month preceding the reference month.
Za ločeno poročanje obsega novih poslov iz naslova na novo izpogajanih posojil gospodinjstvom in nefinančnim družbam v statistiki obrestnih mer MFI se novo pogajanje nanaša na nove posle iz naslova posojil, razen dolga po kreditnih karticah in posojil revolving in prekoračitev stanj na računih, ki so ob koncu meseca pred referenčnim mesecem že v bilanci stanja poročevalske enote.
Loans for debt restructuring are not per se excluded from renegotiated loans.
Posojila za prestrukturiranje dolga sama po sebi niso izključena iz na novo izpogajanih posojil.
However, if the restructuring involves a renegotiation of the interest rate, and as a result, the loan is granted at a rate below market conditions as described in paragraph 28, it should not be included in renegotiated loans nor new business.
Če prestrukturiranje vključuje novo pogajanje o obrestni meri in se posledično posojilo odobri po obrestni meri, ki je nižja od tržne, kot je opisano v odstavku 28, se tako posojilo ne vključi med na novo izpogajana posojila niti med nove posle.
The new business rate reflects the weighted average interest rate applied to the deposits and loans in the relevant instrument category in respect of new agreements concluded between households or non-financial corporations and the reporting agent during the time reference period as defined in paragraph 35.
Obrestna mera za nove posle odraža tehtano povprečno obrestno mero, ki se uporablja za vloge in posojila v ustrezni kategoriji instrumentov glede novih dogovorov, sklenjenih med gospodinjstvi ali nefinančnimi družbami in poročevalsko enoto med referenčnim časovnim obdobjem, kot je opredeljeno v odstavku 35.
Changes in floating interest rates in the sense of automatic adjustments of the interest rate performed by the reporting agent are not new agreements and are therefore not considered as new business.
Spremembe v spremenljivih obrestnih merah v smislu samodejnih usklajevanj obrestnih mer, ki jih opravlja poročevalska enota, ne pomenijo novih dogovorov in se zato ne štejejo za nove posle.
For existing contracts, these changes in floating rates are therefore not captured in new business rates but only in the average rates on outstanding amounts.
Pri obstoječih pogodbah se te spremembe v spremenljivih obrestnih merah ne zajemajo v obrestnih merah za nove posle, temveč samo v povprečnih obrestnih merah za stanje zadolženosti.
A change from fixed to floating interest rates or vice versa (at time t1) during the course of the contract, which has been agreed at the start of the contract (time t0), is not a new agreement but part of the terms and conditions of the loan laid down at time t0.
Sprememba stalne obrestne mere v spremenljivo ali obratno (v času t1) med trajanjem pogodbe, ki je bila dogovorjena na začetku veljavnosti pogodbe (čas t0), ne pomeni novega dogovora, temveč je del posojilnih pogojev, določenih v času t0.
It may, however, take out a loan in one or more tranches at times t1, t2, t3, etc. instead of taking out the full amount at the start of the contract (time t0).
Vendar pa posojilo lahko črpa v eni ali več tranšah v času t1, t2, t3 itd. namesto črpanja celotnega zneska na začetku veljavnosti pogodbe (čas t0).
The fact that a loan is taken out in one or more tranches is irrelevant for MFI interest rate statistics.
Dejstvo, da se posojilo črpa v eni ali več tranšah, je za statistiko obrestnih mer MFI nepomembno.
The agreement between the household or non-financial corporation and the reporting agent at time t0, which includes the interest rate and the full amount of the loan, is covered by MFI interest rate statistics on new business.
V statistiki obrestnih mer MFI za nove posle se zajame dogovor med gospodinjstvom ali nefinančno družbo in poročevalsko enoto v času t0, ki obsega obrestno mero in celotni znesek posojila.
If a renegotiation of the terms and conditions of the loan takes place after time t0, the full amount granted and not yet repaid by the time the renegotiation takes place should be reported under renegotiated loans.
Če se nova pogajanja o posojilnih pogojih izvedejo po času t0, se celotni znesek, ki je bil odobren, a še ni bil vrnjen do trenutka novih pogajanj, poroča pod na novo izpogajanimi posojili.
Treatment of bad loans and loans for debt restructuring below market conditions
Obravnavanje slabih posojil in posojil za prestrukturiranje dolga, odobrenih po obrestnih merah, ki so nižje od tržnih
Bad loans and loans for debt restructuring granted at rates below market conditions are not included in the weighted average interest rates or in the new business volumes.
Slaba posojila in posojila za prestrukturiranje dolga, odobrena po obrestnih merah, ki so nižje od tržnih, niso vključena v tehtano povprečno obrestno mero niti v obseg novih poslov.
Bad loans are defined in accordance with Annex II to Regulation (EU) No 1071/2013 (ECB/2013/33), and the total amount of a loan partially or totally classified as a bad loan is excluded from MFI interest rates statistics.
Slaba posojila se opredelijo v skladu s Prilogo II k Uredbi (ES) št. 1071/2013 (ECB/2013/33), skupni znesek posojila, ki je delno ali v celoti razvrščeno kot slabo posojilo, pa je izključen iz statistike obrestnih mer MFI.
Loans for debt restructuring, i.e. restructuring in relation to financially distressed debtors, should be defined in accordance with existing national definitions.
Posojila za prestrukturiranje dolga, tj. prestrukturiranje dolga dolžnikov v finančnih težavah, se opredelijo v skladu z obstoječimi nacionalnimi opredelitvami.
Time reference point
Referenčna časovna točka
Time reference point for MFI interest rates on outstanding amounts
Referenčna časovna točka za obrestne mere MFI za stanje zadolženosti
NCBs decide whether at national level the MFI interest rates on outstanding amounts, i.e. indicators 1 to 26 described in Appendix 1, are compiled as a snapshot of end-period observations or as implicit rates referring to period averages.
NCB odločijo, ali se na nacionalni ravni obrestne mere MFI za stanje zadolženosti, tj. kazalniki 1 do 26, opisani v Dodatku 1, pripravljajo kot posnetek opažanj ob koncu obdobja ali kot implicitne obrestne mere, ki se nanašajo na povprečja za obdobja.
Interest rates on outstanding amounts as a snapshot of end-month observations are calculated as weighted averages of the interest rates applied to the stock of deposits and loans at a certain point in time on the last day of the month.
Obrestne mere za stanje zadolženosti kot posnetek opažanj ob koncu meseca se izračunajo kot tehtana povprečja obrestnih mer, ki se uporabljajo za stanje vlog in posojil v določeni časovni točki na zadnji dan v mesecu.
At that point in time, the reporting agent collects the interest rates applicable and the amounts involved for all outstanding deposits and loans vis-à-vis households and non-financial corporations and compiles a weighted average interest rate for each instrument category.
V tej časovni točki poročevalska enota za vse neporavnane vloge in posojila v razmerju do gospodinjstev in nefinančnih družb zbere ustrezne obrestne mere in z njimi povezane zneske ter pripravi tehtano povprečno obrestno mero za vsako kategorijo instrumentov.
Interest rates on outstanding amounts as implicit rates referring to the average of the month are calculated as quotients, with the accrued interest payable on deposits and receivable on loans during the reference month as the numerator, and the average stock during the month as the denominator.
Obrestne mere za stanje zadolženosti kot implicitne obrestne mere, ki se nanašajo na mesečno povprečje, se izračunajo kot količnik z obračunanimi obrestmi, plačanimi za vloge in prejetimi za posojila v referenčnem mesecu, v števcu in s povprečnim stanjem v teku meseca v imenovalcu.
At the end of the reference month, the reporting agent reports the accrued interest payable or receivable during the month for each instrument category and the average stock of deposits and loans during the same month.
Ob koncu referenčnega meseca poročevalska enota poroča obračunane obresti, plačane ali prejete v teku meseca, za vsako kategorijo instrumentov ter povprečno stanje vlog in posojil v istem mesecu.
In contrast to end-month observations, the MFI interest rates on outstanding amounts compiled as monthly averages also include contracts that were outstanding at some time during the month but are no longer outstanding at the end of the month.
Nasprotno kot pri opažanjih ob koncu meseca vključujejo obrestne mere MFI za stanje zadolženosti, ki se pripravijo kot mesečna povprečja, tudi pogodbe, ki so bile v teku meseca odprte, ob koncu meseca pa niso več.
As a minimum standard, the average monthly stock is derived from daily balances for volatile instrument categories, i.e. at least overnight deposits, deposits redeemable at notice, extended credit card credit and revolving loans and overdrafts.
Kot minimalni standard se povprečno mesečno stanje izpelje iz dnevnih stanj za spremenljive kategorije instrumentov, tj. vsaj za vloge čez noč, vloge na odpoklic z odpovednim rokom, obrestovana posojila po kreditnih karticah in posojila revolving ter prekoračitve stanj na računih.
Time reference point for new business on overnight deposits, deposits redeemable at notice, extended credit card credit and revolving loans and overdrafts
Referenčna časovna točka za nove posle glede vlog čez noč, vlog na odpoklic z odpovednim rokom, obrestovanih posojil po kreditnih karticah in posojil revolving ter prekoračitev stanj na računih
NCBs decide whether at national level the MFI interest rates on overnight deposits, deposits redeemable at notice, extended credit card credit and revolving loans and overdrafts, i.e. indicators 1, 5, 6, 7, 12, 23, 32 and 36 described in Appendix 2, are compiled as a snapshot of end-period observations or as implicit rates referring to period averages.
NCB odločijo, ali se na nacionalni ravni obrestne mere MFI za vloge čez noč, vloge na odpoklic z odpovednim rokom, obrestovana posojila po kreditnih karticah in posojila revolving ter prekoračitve stanj na računih, tj. kazalniki 1, 5, 6, 7, 12, 23, 32 in 36, opisani v Dodatku 2, pripravijo kot posnetek opažanj ob koncu obdobja ali kot implicitne obrestne mere, ki se nanašajo na povprečja za obdobja.
Analogous to the compilation of the interest rates on outstanding amounts contained in Appendix 1, the interest rates on overnight deposits, deposits redeemable at notice, extended credit card credit and revolving loans and overdrafts are compiled in either of the following manners:
Podobno kot pri pripravljanju obrestnih mer za stanje zadolženosti iz Dodatka 1 se tudi obrestne mere za vloge čez noč, vloge na odpoklic z odpovednim rokom, obrestovana posojila po kreditnih karticah in posojila revolving ter prekoračitve stanj na računih pripravijo na enega izmed naslednjih načinov:
a snapshot of end-month observations is calculated, i.e. weighted averages of the interest rates applied to the stock of these deposits and loans at a certain point in time on the last day of the month.
izračuna se posnetek opažanj ob koncu meseca, tj. tehtana povprečja obrestnih mer, ki se uporabljajo za stanje teh vlog in posojil v določeni časovni točki na zadnji dan v mesecu.
At that time, the reporting agent collects the interest rates and the amounts involved for all overnight deposits, deposits redeemable at notice, extended credit card credit and revolving loans and overdrafts vis-à-vis households and non-financial corporations, and compile a weighted average interest rate for each instrument category.
V tem času poročevalska enota zbere za vse vloge čez noč, vloge na odpoklic z odpovednim rokom, obrestovana posojila po kreditnih karticah in posojila revolving ter prekoračitve stanj na računih v razmerju do gospodinjstev in nefinančnih družb obrestne mere in z njimi povezane zneske ter pripravi tehtano povprečno obrestno mero za vsako kategorijo instrumentov.
implicit rates referring to the average of the month are calculated, i.e. quotients, with the accrued interest payable on deposits and receivable on loans as the numerator and the average daily stock as the denominator.
izračunajo se implicitne obrestne mere, ki se nanašajo na mesečno povprečje, tj. količniki z obračunanimi obrestmi, plačanimi za vloge in prejetimi za posojila, v števcu in s povprečnim dnevnim stanjem v imenovalcu.
At the end of the month, for overnight deposits, deposits redeemable at notice, extended credit card credit and revolving loans and overdrafts the reporting agent reports the accrued interest payable or receivable during the month and the average stock of deposits and loans during the same month.
Ob koncu meseca poročevalska enota poroča za vloge čez noč, vloge na odpoklic odpovednim rokom, obrestovana posojila po kreditnih karticah in posojila revolving ter prekoračitve stanj na računih obračunane obresti, plačane ali prejete v teku meseca, ter povprečno stanje vlog in posojil v istem mesecu.
For overnight deposits, deposits redeemable at notice, extended credit card credit and revolving loans and overdrafts the average monthly stock is derived from daily balances.
Za vloge čez noč, vloge na odpoklic z odpovednim rokom, obrestovana posojila po kreditnih karticah in posojila revolving ter prekoračitve stanj na računih se povprečno mesečno stanje izpelje iz dnevnih stanj.
Furthermore, the flow in the numerator distinguishes between accrued interest payable on deposits and receivable on loans.
Poleg tega tok v števcu razlikuje med obračunanimi obrestmi, plačanimi za vloge in prejetimi za posojila.
Reporting agents do not report weighted average interest rates combining (low) overnight deposit rates and (high) overdraft rates.
Poročevalske enote ne poročajo tehtanih povprečnih obrestnih mer, ki združujejo (nizke) obrestne mere za vloge čez noč in (visoke) obrestne mere za prekoračitve stanja na računih.
Time reference point for new business (other than overnight deposits, deposit redeemable at notice, credit card debt and revolving loans and overdrafts)
Referenčna časovna točka za nove posle (razen za vloge čez noč, vloge na odpoklic z odpovednim rokom, dolg po kreditnih karticah in posojila revolving ter prekoračitve stanj na računih)
MFI interest rates on new business other than overnight deposits, deposits redeemable at notice, credit card debt, and revolving loans and overdrafts, i.e. all of the indicators described in Appendix 2 except indicators 1, 5, 6, 7, 12, 23, 32 and 36 are calculated as period averages.
Obrestne mere MFI za nove posle razen za vloge čez noč, vloge na odpoklic z odpovednim rokom, dolg po kreditnih karticah in posojila revolving ter prekoračitve stanj na računih, tj. vsi kazalniki, opisani v Dodatku 2, razen kazalnikov 1, 5, 6, 7, 12, 23, 32 in 36, se izračunajo kot povprečja za obdobje.
For each instrument category, the reporting agents calculate the new business rate as a weighted average of all interest rates on new business operations in the instrument category during the reference month.
Za vsako kategorijo instrumentov poročevalske enote izračunajo obrestno mero za nove posle kot tehtano povprečje vseh obrestnih mer za nove posle v kategoriji instrumentov med referenčnim mesecem.
These interest rates referring to the average of the month are transmitted to the NCB of the Member State whose currency is the euro (hereinafter the ‘euro area Member State’) in which the reporting agent is resident, together with the amount of new business conducted during the reporting month for each instrument category.
Te obrestne mere, ki se nanašajo na mesečno povprečje, se sporočijo NCB države članice, katere valuta je euro (v nadaljnjem besedilu: država članica euroobmočja) in v kateri je poročevalska enota rezident, skupaj z zneskom novih poslov, opravljenih med mesecem poročanja, za vsako kategorijo instrumentov.
For the indicators referring to renegotiated loans to households and non-financial corporations, i.e. indicators 88 to 91 described in Appendix 2, only information on new business volumes is required.
Za kazalnike, ki se nanašajo na novo izpogajana posojila gospodinjstvom in nefinančnim družbam, tj. za kazalnike 88 do 91, opisane v Dodatku 2, se zahtevajo samo informacije o obsegu novih poslov.
All renegotiations of existing deposit and loan contracts as defined in paragraphs 22 to 27 should be taken into account, even if the same contract is renegotiated more than once during the reference month.
Upoštevajo se vsa nova pogajanja o obstoječih pogodbah o vlogah in posojilih, kot so opredeljena v odstavkih 22 do 27, četudi je ista pogodba med referenčnim mesecem večkrat na novo izpogajana.