natgillin/translations-raw huggingface dataset:
For that purpose they may delegate tasks and responsibilities to each other.
V ta namen lahko drug na drugega prenesejo naloge in odgovornosti.
General provisions applicable to advertising and marketing
Splošne določbe, ki se uporabljajo za oglaševanje in trženje
Without prejudice to Directive 2005/29/EC, Member States shall require that any advertising and marketing communications concerning credit agreements are fair, clear and not misleading.
Brez poseganja v Direktivo 2005/29/ES, države članice zahtevajo, da so oglaševalska in trženjska sporočila v zvezi s kreditnimi pogodbami poštena, jasna in nezavajajoča.
In particular, wording that may create false expectations for a consumer regarding the availability or the cost of a credit shall be prohibited.
Prepovedano je zlasti izražanje, ki lahko pri potrošniku vzbudi napačna pričakovanja v zvezi z razpoložljivostjo ali stroški kredita.
Member States shall ensure that any advertising concerning credit agreements which indicates an interest rate or any figures relating to the cost of the credit to the consumer includes the standard information in accordance with this Article.
Države članice zagotovijo, da oglaševanje kreditnih pogodb, pri katerem je navedena obrestna mera ali drugi podatki v zvezi s stroški kredita za potrošnika, zajema standardne informacije v skladu s tem členom.
Member States may provide that the first subparagraph shall not apply where national law requires the indication of the APRC in advertising concerning credit agreements which does not indicate an interest rate or any figures relating to any cost of credit to the consumer within the meaning of the first subparagraph.
Države članice lahko določijo, da se prvi pododstavek ne uporablja, kadar je treba v skladu z nacionalnim pravom pri oglaševanju kreditnih pogodb, pri katerem ni navedena obrestna mera ali drugi podatki v zvezi s stroški kredita za potrošnika v smislu prvega pododstavka, navesti efektivno obrestno mero.
The standard information shall specify in a clear, concise and prominent way:
V te standardne informacije so na jasen, jedrnat in pregleden način zajeti:
the identity of the creditor or, where applicable, the credit intermediary or appointed representative;
identiteta dajalca kredita ali, kadar je primerno, kreditnega posrednika ali imenovanega predstavnika;
where applicable, that the credit agreement will be secured by a mortgage or another comparable security commonly used in a Member State on residential immovable property or by a right related to residential immovable property;
kadar je primerno, navedba, da bo kreditna pogodba zavarovana s hipoteko ali z drugim primerljivim jamstvom, ki se običajno uporablja v državi članici za stanovanjske nepremičnine, ali s pravico v zvezi s stanovanjsko nepremičnino;
the borrowing rate, indicating whether this is fixed or variable or a combination of both, together with particulars of any charges included in the total cost of the credit to the consumer;
posojilna obrestna mera, pri čemer je navedeno, ali je fiksna ali spremenljiva ali kombinirana, skupaj s podrobnostmi o vseh stroških, ki so vključeni v skupne stroške kredita za potrošnika;
the APRC which shall be included in the advertisement at least as prominently as any interest rate;
efektivna obrestna mera, ki se v reklamnem oglasu izpostavi vsaj v enaki meri kot vse obrestne mere;
where applicable, the duration of the credit agreement;
kadar je primerno, trajanje kreditne pogodbe;
where applicable, the amount of the instalments;
kadar je primerno, višina obrokov;
where applicable, the total amount payable by the consumer;
kadar je primerno, skupni znesek, ki ga mora plačati potrošnik;
where applicable, the number of instalments;
kadar je primerno, število obrokov.
where applicable, a warning regarding the fact that possible fluctuations of the exchange rate could affect the amount payable by the consumer.
kadar je primerno, opozorilo, da bi morebitno nihanje deviznih tečajev lahko vplivalo na znesek, ki ga mora plačati potrošnik.
The information listed in paragraph 2, other than that listed in points (a), (b) or (j) thereof, shall be specified by means of a representative example and shall adhere to that representative example throughout.
Informacije iz odstavka 2, razen tistih iz točk (a), (b) ali (j) odstavka 2, se določijo na podlagi reprezentativnega primera in so v celoti skladne z navedenim reprezentativnim primerom.
Member States shall adopt criteria for determining a representative example.
Države članice sprejmejo merila za določitev reprezentativnega primera.
Where the conclusion of a contract regarding an ancillary service, 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 be stated in a clear, concise and prominent way, together with the APRC.
Kadar je sklenitev pogodbe o pomožni storitvi, zlasti zavarovanju, obvezna za samo pridobitev kredita ali za njegovo pridobitev pod ponujenimi pogoji, stroškov te storitve pa ni možno določiti vnaprej, se obveznost sklenitve take pogodbe skupaj z efektivno obrestno mero navede na jasen, jedrnat in pregleden način.
The information referred to in paragraphs 2 and 4 shall be easily legible or clearly audible as appropriate, depending on the medium used for advertising.
Informacije iz odstavkov 2 in 4 so glede na medij, ki se uporabi za oglaševanje, lahko berljive oziroma jasno slišne.
Member States may require the inclusion of a concise and proportionate warning concerning specific risks associated with credit agreements.
Države članice lahko zahtevajo, da se vključi jedrnato in sorazmerno opozorilo glede posebnih tveganj, povezanih s kreditnimi pogodbami.
They shall notify those requirements to the Commission without delay.
O teh zahtevah nemudoma uradno obvestijo Komisijo.
Tying and bundling practices
Vezanje in združevanje
Member States shall allow bundling practices but shall prohibit tying practices. 2 .
Države članice dovolijo združevanje, a prepovedo vezanje.
Notwithstanding paragraph 1, Member States may provide that creditors can request the consumer or a family member or close relation of the consumer to:
Ne glede na odstavek 1 lahko države članice določijo, da lahko dajalci kredita od potrošnika ali družinskega člana oziroma bližnjega sorodnika potrošnika zahtevajo, naj:
open or maintain a payment or a savings account, where the only purpose of such an account is to accumulate capital to repay the credit, to service the credit, to pool resources to obtain the credit, or to provide additional security for the creditor in the event of default;
odpre ali vodi plačilni ali varčevalni račun, kadar je edini namen takšnega računa zbrati kapital za poplačilo kredita, odplačevanje kredita, pritegnitev sredstev za pridobitev kredita ali dodatno zavarovanje za dajalca kredita v primeru neizpolnjevanja plačilnih obveznosti;
purchase or keep an investment product or a private pension product, where such product which primarily offers the investor an income in retirement serves also to provide additional security for the creditor in the event of default or to accumulate capital to repay the credit, to service the credit or to pool resources to obtain the credit;
kupi ali vodi naložbeni produkt ali zasebni pokojninski produkt, kadar je takšen produkt, ki vlagatelju zagotavlja predvsem prihodek po upokojitvi, namenjen tudi zagotavljanju dodatnega zavarovanja za dajalca kredita v primeru neizpolnjevanja plačilnih obveznosti ali zbiranju kapitala za poplačilo kredita, odplačevanje kredita ali pritegnitev sredstev za pridobitev kredita;
conclude a separate credit agreement in conjunction with a shared-equity credit agreement to obtain the credit.
ločeno sklene kreditno pogodbo skupaj s kreditno pogodbo s soudeležbo pri naložbi za pridobitev kredita.
Notwithstanding paragraph 1, Member States may allow tying practices when the creditor can demonstrate to its competent authority that the tied products or categories of product offered, on terms and conditions similar to each other, which are not made available separately, result in a clear benefit to the consumers taking due account of the availability and the prices of the relevant products offered on the market.
Ne glede na odstavek 1 lahko države članice dovolijo vezanje, če lahko dajalec kredita pristojnemu organu dokaže, da produkti z vezano vlogo ali ponujene kategorije produktov, ki imajo podobne pogoje in niso na voljo ločeno, pomenijo jasno korist za potrošnike, in sicer ob upoštevanju razpoložljivosti in cen ustreznih produktov, ponujenih na trgu.
This paragraph shall only apply to products which are marketed after 20 March 2014.
Ta odstavek se uporablja le za produkte, ki se tržijo po 20. marcu 2014.
Member States may allow creditors to require the consumer to hold a relevant insurance policy related to the credit agreement.
Države članice lahko dajalcem kredita dovolijo, da od potrošnika zahtevajo sklenitev ustrezne zavarovalne police, povezane s kreditno pogodbo.
In such cases Member States shall ensure that the creditor accepts the insurance policy from a supplier different to his preferred supplier where such policy has a level of guarantee equivalent to the one the creditor has proposed.
V takšnih primerih države članice zagotovijo, da dajalec kredita sprejme zavarovalno polico ponudnika, ki ni njegov izbrani ponudnik, kadar ima takšna polica enako jamstveno raven kot tista, ki jo predlaga dajalec kredita.
Member States shall ensure that clear and comprehensible general information about credit agreements is made available by creditors or, where applicable, by tied credit intermediaries or their appointed representatives at all times on paper or on another durable medium or in electronic form.
Države članice zagotovijo, da dajalci kreditov ali, kjer je primerno, povezani kreditni posredniki ali njihovi imenovani predstavniki vedno zagotovijo jasne in razumljive splošne informacije o kreditnih pogodbah na papirju ali drugem trajnem nosilcu podatkov ali v elektronski obliki.
In addition, Member States may provide that general information is made available by non-tied credit intermediaries.
Države članice lahko poleg tega določijo, da splošne informacije zagotavljajo tudi nepovezani kreditni posredniki.
Such general information shall include at least the following:
Takšne splošne informacije vključujejo vsaj naslednje podatke:
the identity and the geographical address of the issuer of the information;
identiteto in geografski naslov dajalca informacij;
the purposes for which the credit may be used;
namen, za katerega se lahko uporabi kredit;
the forms of security, including, where applicable, the possibility for it to be located in a different Member State;
oblike poroštva, vključno z možnostjo, da je lahko v drugi državi članici, kadar je primerno;
the possible duration of the credit agreements;
možno trajanje kreditnih pogodb;
types of available borrowing rate, indicating whether fixed or variable or both, with a short description of the characteristics of a fixed and variable rate, including related implications for the consumer;
vrste razpoložljivih posojilnih obrestnih mer z navedbo, ali je fiksna ali spremenljiva ali kombinirana, s krajšim opisom značilnosti fiksne in spremenljive obrestne mere, tudi s tem povezanih posledic za potrošnika;
where foreign currency loans are available, an indication of the foreign currency or currencies, including an explanation of the implications for the consumer where the credit is denominated in a foreign currency;
kadar so na voljo posojila v tuji valuti, navedbo tuje valute ali valut, vključno z razlago posledic za potrošnika, kadar je kredit denominiran v tuji valuti;
a representative example of the total amount of credit, the total cost of the credit to the consumer, the total amount payable by the consumer and the APRC;
reprezentativni primer skupnega zneska kredita, skupnih stroškov kredita za potrošnika, skupnega zneska, ki ga mora plačati potrošnik, in efektivne obrestne mere;
an indication of possible further costs, not included in the total cost of the credit to the consumer, to be paid in connection with a credit agreement;
morebitne dodatne stroške za plačila v zvezi s kreditno pogodbo, ki niso vključeni v skupne stroške kredita za potrošnika in jih je treba plačati v povezavi s kreditno pogodbo;
the range of different options available for reimbursing the credit to the creditor, including the number, frequency and amount of the regular repayment instalments;
vrsta različnih možnosti vračila kredita dajalcu kredita, vključno s številom, pogostostjo in višino rednih obrokov odplačila;
where applicable, a clear and concise statement that compliance with the terms and conditions of the credit agreement does not guarantee repayment of the total amount of credit under the credit agreement;
kadar je primerno, jasno in jedrnato izjavo, da izpolnjevanje splošnih pogojev kreditne pogodbe ne jamči odplačila celotnega zneska kredita po kreditni pogodbi;
a description of the conditions directly relating to early repayment;
opis pogojev, neposredno povezanih s predčasnim odplačilom;
whether a valuation of the property is necessary and, where applicable, who is responsible for ensuring that the valuation is carried out, and whether any related costs arise for the consumer;
podatek o tem, ali je potrebna cenitev nepremičnine, in kadar je primerno o tem, kdo mora zagotoviti izvedbo cenitve, ter, kadar je primerno, kdo je odgovoren za izvedbo cenitve in ali ima potrošnik s tem kakšne stroške;
indication of ancillary services the consumer is obliged to acquire in order to obtain the credit or to obtain it on the terms and conditions marketed and, where applicable, a clarification that the ancillary services may be purchased from a provider that is not the creditor; and
opis pomožnih storitev, ki jih mora kupiti potrošnik, da bi lahko dobil kredit ali da bi ga lahko dobil pod ponujenimi pogoji, ter, kadar je primerno, pojasnilo, da je nakup pomožnih storitev mogoč tudi pri ponudniku, ki ni dajalec kredita; in
a general warning concerning possible consequences of non-compliance with the commitments linked to the credit agreement.
splošno opozorilo glede morebitnih posledic neizpolnjevanja obveznosti, povezanih s kreditno pogodbo.
Member States may oblige the creditors to include other types of warnings which are relevant in a Member State.
Države članice lahko od dajalcev kredita zahtevajo, da vključijo še druge vrste opozoril, ki so relevantna v posamezni državi članici.
Member States shall ensure that the creditor and, where applicable, the credit intermediary or appointed representative, provides the consumer with the personalised information needed to compare the credits available on the market, assess their implications and make an informed decision on whether to conclude a credit agreement:
Države članice zagotovijo, da dajalec kredita in, kadar je primerno, kreditni posrednik ali imenovani predstavnik potrošniku zagotovi njemu prilagojene informacije, ki jih potrebuje za primerjavo kreditnih produktov, ki so na voljo na trgu, oceno njihovih posledic in sprejetje utemeljene odločitve o sklenitvi kreditne pogodbe:
without undue delay after the consumer has given the necessary information on his needs, financial situation and preferences in accordance with Article 20; and
brez nepotrebnega odlašanja, potem ko je potrošnik v skladu s členom 20 posredoval informacije o svojih potrebah, finančnem položaju in željah, ter
in good time before the consumer is bound by any credit agreement or offer.
pravočasno, preden kreditna pogodba ali ponudba postane zavezujoča za potrošnika.
The personalised information referred to in paragraph 1, on paper or on another durable medium, shall be provided by means of the ESIS, as set out in Annex II.
Prilagojene informacije iz odstavka 1 se na papirju ali drugem trajnem nosilcu podatkov zagotovijo z ESIS iz Priloge II.
Member States shall ensure that when an offer binding on the creditor is provided to the consumer, it shall be provided on paper or on another durable medium and accompanied by an ESIS where:
Države članice zagotovijo, da se ponudba, ki je zavezujoča za dajalca kredita, potrošniku predloži na papirju ali drugem trajnem nosilcu podatkov in da se ji priloži ESIS, kadar:
no ESIS has been provided to the consumer previously; or
mu ESIS pred tem ni predložen; ali
the characteristics of the offer are different from the information contained in the ESIS previously provided.
so značilnosti ponudbe drugačne od informacij, ki jih vsebuje prej predloženi ESIS.
Member States may provide for the obligatory provision of the ESIS before the provision of an offer binding on the creditor.
Države članice lahko določijo, da je treba ESIS obvezno zagotoviti pred predložitvijo ponudbe, ki je zavezujoča za dajalca kredita.
Where a Member State so provides, it shall require that the ESIS shall only be required to be provided again where point (b) of paragraph 3 is met.
Kadar država članica določi tako zahtevo, se ponovna predložitev ESIS zahteva le, kadar je izpolnjena točka (b) odstavka 3.
Member States which before 20 March 2014 have implemented an information sheet that meets equivalent information requirements to those set out in Annex II may continue to use it for the purposes of this Article until 21 March 2019.
Države članice, ki so pred 20. marcem 2014 uporabljale informativni list, ki izpolnjuje enakovredne zahteve glede informacij, ga lahko še naprej uporabljajo za namene tega člena do 21. marca 2019.
Member States shall specify a time period of at least seven days during which the consumer will have sufficient time to compare offers, assess their implications and make an informed decision.
Države članice določijo obdobje najmanj sedmih dni, v katerem bo imel potrošnik dovolj časa za primerjavo ponudb, oceno njihovih posledic in utemeljeno odločitev.
Member States shall specify that the time period referred to in the first subparagraph shall be either a reflection period before the conclusion of the credit agreement or a period for exercising a right of withdrawal after the conclusion of the credit agreement or a combination of the two.
Države članice določijo, da je časovno obdobje iz prvega pododstavka obdobje za razmislek pred sklenitvijo kreditne pogodbe ali obdobje za uveljavitev pravice do odstopa od pogodbe po njeni sklenitvi ali kombinacija obojega.
Where a Member State specifies a reflection period before the conclusion of a credit agreement:
Kadar država članica določi obdobje za razmislek pred sklenitvijo kreditne pogodbe:
the offer shall be binding on the creditor for the duration of the reflection period; and
je v obdobju za razmislek ponudba zavezujoča za dajalca kredita in
the consumer may accept the offer at any time during the reflection period.
lahko potrošnik ponudbo sprejme kadar koli v obdobju za razmislek.
Member States may provide that consumers cannot accept the offer for a period not exceeding the first 10 days of the reflection period.
Države članice lahko določijo, da potrošniki ne morejo sprejeti ponudbe v obdobju, ki ni daljše od prvih desetih dni obdobja za razmislek.
Where the borrowing rate or other costs applicable to the offer are determined on the basis of the selling of underlying bonds or other long-term funding instruments, Member States may provide that the borrowing rate or other costs may vary from that stated in the offer in accordance with the value of the underlying bond or other long-term funding instrument.
Kadar se posojilna obrestna mera ali drugi stroški, ki veljajo za ponudbo, določijo na podlagi prodaje prednostnih obveznic ali drugih dolgoročnih instrumentov financiranja, lahko države članice določijo, da se lahko posojilna obrestna mera ali drugi stroški razlikujejo od tistih, navedenih v ponudbi, v skladu z vrednostjo prednostnih obveznic ali drugih dolgoročnih instrumentov financiranja.
Where the consumer has a right of withdrawal in accordance with the second subparagraph of this paragraph, Article 6 of Directive 2002/65/EC shall not apply.
Kadar ima potrošnik pravico do odstopa v skladu z drugim pododstavkom tega odstavka, se člen 6 Direktive 2002/65/ES ne uporablja.
The creditor and, where applicable, the credit intermediary or appointed representative who has supplied the ESIS to the consumer shall be deemed to have fulfilled the requirements regarding information provision to the consumer prior to the conclusion of a distance contract as laid down in Article 3(1) of Directive 2002/65/EC and shall be deemed to satisfy the requirements of Article 5(1) of that Directive only where they have at least supplied the ESIS prior to the conclusion of the contract.
Šteje se, da je dajalec kredita in, kadar je primerno, kreditni posrednik ali imenovani predstavnik, ki je potrošniku predložil ESIS, izpolnil svoje zahteve glede zagotavljanja informacij potrošniku pred sklenitvijo pogodbe na daljavo, kot je določeno v členu 3(1) Direktive 2002/65/ES, in da je izpolnil zahteve iz člena 5(1) navedene direktive le, kadar zagotovi ESIS vsaj pred sklenitvijo pogodbe.
Member States shall not modify the ESIS model other than as provided for in Annex II.
Države članice ne spreminjajo vzorca ESIS, razen kot je določeno v Prilogi II.
Any additional information which the creditor or, where applicable, the credit intermediary or appointed representative, may provide to the consumer or is required to provide to the consumer by national law shall be given in a separate document which may be annexed to the ESIS.
Vse dodatne informacije, ki jih dajalec kredita ali, kjer je primerno, kreditni posrednik ali imenovani predstavnik lahko posreduje potrošniku ali pa mora to storiti v skladu z nacionalnim pravom, se navedejo v ločenem dokumentu, ki se lahko priloži ESIS.
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 point (b) of Article 3(3) of that Directive shall include at least the items referred to in sections 3 to 6 of Part A of Annex II to this Directive.
V primeru ustnih sporočil po telefonskih zvezah iz člena 3(3) Direktive 2002/65/ES vsebuje opis glavnih značilnosti finančne storitve, ki ga je treba zagotoviti v skladu z drugo alineo točke (b) člena 3(3) navedene direktive, vsaj podatke iz rubrik 3 do 6 dela A Priloge II te direktive.
Member States shall ensure that at least where no right of withdrawal exists the creditor or, where applicable, the credit intermediary or appointed representative provides the consumer with a copy of the draft credit agreement, at the time of the provision of an offer binding on the creditor.
Države članice zagotovijo, da vsaj v primeru, kadar potrošnik nima pravice do odstopa, dajalec kredita ali, kadar je primerno, kreditni posrednik ali imenovani predstavnik potrošniku ob predložitvi ponudbe, ki je zavezujoča za dajalca kredita, zagotovi izvod osnutka kreditne pogodbe.
Where a right of withdrawal exists, Member States shall ensure that the creditor or, where applicable, the credit intermediary or appointed representative offers to provide the consumer with a copy of the draft credit agreement at the time of the provision of an offer binding on the creditor.
Kadar ima potrošnik pravico do odstopa, države članice zagotovijo, da dajalec kredita ali, kadar je primerno, kreditni posrednik ali imenovani predstavnik ponudi, da bo potrošniku zagotovil izvod osnutka kreditne pogodbe ob predložitvi ponudbe, ki je zavezujoča za dajalca kredita.
Information requirements concerning credit intermediaries and appointed representatives
Zahteve glede informacij za kreditne posrednike in imenovane predstavnike