natgillin/translations-raw huggingface dataset:
This Directive should therefore also ensure a degree of coherence with Directive 2002/92/EC of the European Parliament and of the Council of 9 December 2002 on insurance mediation [7] and Directive 2004/39/EC of the European Parliament and of the Council of 21 April 2004 on markets in financial instruments [8].
Ta direktiva bi torej morala zagotoviti določeno skladnost tudi z Direktivo 2002/92/ES Evropskega parlamenta in Sveta z dne 9. decembra 2002 o zavarovalnem posredovanju [7] in Direktivo 2004/39/ES Evropskega parlamenta in Sveta z dne 21. aprila 2004 o trgih finančnih instrumentov [8].
In particular, credit institutions authorised in accordance with Directive 2013/36/EU and other financial institutions subject to an equivalent admission regime under national law should not require a separate admission to operate as a credit intermediary in order to simplify the process of establishing as a credit intermediary and operating cross-border.
Zlasti od kreditnih institucij, ki pridobijo dovoljenje v skladu z Direktivo 2013/36/EU, in drugih finančnih institucij, za katere velja enakovreden sprejemni postopek po nacionalnem pravu, ne bi smeli zahtevati, da opravijo poseben sprejemni postopek, na podlagi katerega potem lahko poslujejo kot kreditni posredniki, z namenom, da se poenostavita postopek ustanavljanja kot kreditni posrednik in čezmejno delovanje.
The full and unconditional responsibility placed on creditors and credit intermediaries for the activities of tied credit intermediaries or appointed representatives should only extend to activities within the scope of this Directive unless Member States choose to extend that responsibility to other areas.
Neomejena in brezpogojna odgovornost, ki jo dajalci kreditov in kreditni posredniki prevzamejo za dejavnosti povezanih kreditnih posrednikov ali imenovanih predstavnikov, bi morala zajemati samo dejavnosti znotraj področja uporabe te direktive, razen če se države članice ne odločijo, da bodo to odgovornost razširile na druga področja.
In order to increase the ability of consumers to make informed decisions for themselves about borrowing and managing debt responsibly, Member States should promote measures to support the education of consumers in relation to responsible borrowing and debt management in particular relating to mortgage credit agreements.
Da bi bili potrošniki bolj sposobni sami premišljeno odločati o odgovornem najemanju posojil in upravljanju dolga, bi se države članice morale zavzemati za ukrepe v podporo izobraževanju potrošnikov na področju odgovornega najemanja posojil in upravljanja dolga, zlasti kar zadeva hipotekarne kreditne pogodbe.
It is particularly important to provide guidance for consumers taking out mortgage credit for the first time.
Predvsem je treba zagotoviti smernice potrošnikom, ki prvič jemljejo hipotekarni kredit.
In that regard, the Commission should identify examples of best practices to facilitate the further development of measures to enhance consumers’ financial awareness.
V zvezi s tem bi Komisija morala izbrati primere najboljše prakse, da bi spodbudila nadaljnji razvoj ukrepov za večjo finančno ozaveščenost potrošnikov.
Due to the significant risks attached to borrowing in a foreign currency, it is necessary to provide for measures to ensure that consumers are aware of the risk they are taking on and that the consumer has the possibility to limit their exposure to exchange rate risk during the lifetime of the credit.
Zaradi znatnih tveganj, povezanih z najemanjem posojil v tuji valuti, je treba sprejeti ukrepe kot zagotovitev, da se bodo potrošniki zavedali tveganja, ki ga prevzemajo, obenem pa imeli možnost omejiti svojo izpostavljenost tveganju menjalnega tečaja v obdobju trajanja kredita.
The risk could be limited either through giving the consumer the right to convert the currency of the credit, or through other arrangements such as caps or, where they are sufficient to limit the exchange rate risk, warnings.
Tveganje bi lahko omejili tako, da bi potrošniku dali pravico do pretvorbe valute kredita, ali pa bi to lahko kako drugače uredili, kot na primer z uvedbo zgornje meje ali opozorila, kadar bi le-ta zadostovala za omejitev tveganja menjalnega tečaja.
The applicable legal framework should give consumers the confidence that creditors, credit intermediaries and appointed representatives take account of the interests of the consumer, based on the information available to the creditor, credit intermediary and appointed representative at that moment in time and on reasonable assumptions about risks to the consumer’s situation over the term of the proposed credit agreement.
Veljavni pravni okvir bi moral potrošnike navdajati z zaupanjem, da imajo dajalci kreditov, kreditni posredniki in imenovani predstavniki v mislih interese potrošnika na podlagi informacij, ki so jim v tistem trenutku na voljo, in smiselnih predpostavk o tveganjih v zvezi s potrošnikovim položajem med trajanjem predlagane kreditne pogodbe.
It could imply, amongst other things, that creditors should not market the credit so that the marketing significantly impairs or is likely to impair the consumer’s ability to carefully consider the taking of the credit, or that the creditor should not use the granting of the credit as a main method of marketing when marketing goods, services or immovable property to consumers.
Med drugim bi lahko določal, da dajalci kreditov ne smejo tržiti kredita tako, da s tem bistveno zmanjšajo ali utegnejo bistveno zmanjšati potrošnikovo sposobnost, da temeljito razmisli o najetju kredita, ali dajalcu kredita odobritev kredita ne sme služiti kot glavna tržna metoda pri prodaji blaga, storitev ali nepremičnin potrošnikom.
A key aspect of ensuring such consumer confidence is the requirement to ensure a high degree of fairness, honesty and professionalism in the industry, appropriate management of conflicts of interest including those arising from remuneration and to require advice to be given in the best interests of the consumer.
Ključni vidik vzbujanja takšnega zaupanja pri potrošnikih je zahteva, da se v panogi zagotovita visoka stopnja pravičnosti, poštenosti in strokovnosti ter ustrezno urejanje navzkrižja interesov, tudi tistih, ki izhajajo iz plačila, in da se pri svetovanju kar najbolj upoštevajo interesi potrošnika.
It is appropriate to ensure that the relevant staff of creditors, credit intermediaries and appointed representatives possess an adequate level of knowledge and competence in order to achieve a high level of professionalism.
Primerno je zagotoviti, da ima zadevno osebje pri dajalcih kreditov, kreditnih posrednikih in imenovanih predstavnikih ustrezno raven znanja in usposobljenosti, da se doseže visoka raven strokovnosti.
This Directive should, therefore, require relevant knowledge and competence to be proven at the level of the company, based on the minimum knowledge and competence requirements set out in this Directive.
V tej direktivi bi bilo torej treba zahtevati, da se na podlagi minimalnih zahtev glede znanja in usposobljenosti iz te direktive na ravni podjetja dokažeta ustrezno znanje in usposobljenost.
Member States should be free to introduce or maintain such requirements applicable to individual natural persons.
Državam članicam bi moralo biti dovoljeno, da sprejmejo ali ohranijo takšne zahteve za posamezne fizične osebe.
Member States should be able to allow creditors, credit intermediaries and appointed representatives to differentiate between the levels of minimum knowledge requirements according to the involvement in carrying out particular services or processes.
Državam članicam bi moralo biti dovoljeno, da dajalcem kreditov, kreditnim posrednikom in imenovanim predstavnikom dovolijo, da na podlagi vključenosti osebja v opravljanje posamezne storitve ali izvajanje postopka določijo različne minimalne zahteve glede znanja.
In this context, staff includes outsourced personnel, working for and within the creditor, credit intermediary or appointed representatives as well as their employees.
V zvezi s tem osebje vključuje zunanje osebje, ki dela za dajalca kredita, kreditnega posrednika ali imenovanega predstavnika ali pri njem, ter njegove zaposlene.
For the purpose of this Directive, staff directly engaged in activities under this Directive should include both front- and back-office staff, including management, who fulfil an important role in the credit agreement process.
V tej direktivi bi moralo osebje, neposredno vključeno v dejavnosti iz te direktive, zajemati osebje v oddelku trgovanja (front-office staff) in tisto v oddelku podpore (back-office staff), vključno z vodstvom, ki ima pomembno vlogo pri kreditno-pogodbenem procesu.
Persons fulfilling support functions which are unrelated to the credit agreement process (for instance human resources and information and communications technology personnel) should not be considered as staff under this Directive.
Osebe s podpornimi funkcijami, ki niso povezane s kreditno-pogodbenim procesom (npr. osebje v kadrovski službi in osebje za informacijsko in komunikacijsko tehnologijo), ne bi smele šteti za osebje v smislu te direktive.
Where a creditor or credit intermediary provides its services within the territory of another Member State under the freedom to provide services, the home Member State should be responsible for establishing the minimum knowledge and competence requirements applicable to the staff.
Kadar dajalec kredita ali kreditni posrednik na podlagi načela svobode opravljanja storitev svoje storitve opravlja na ozemlju druge države članice, bi morala minimalne zahteve glede znanja in usposobljenosti osebja določiti matična država članica.
However host Member States which deem it necessary should be able to establish their own competence requirements in certain specified areas applicable to creditors and credit intermediaries that provide services within the territory of that Member State under the freedom to provide services.
Vendar bi morale imeti države članice gostiteljice, ki menijo, da je to potrebno, možnost, da na nekaterih področjih določijo lastne zahteve glede usposobljenosti za dajalce kreditov in kreditne posrednike, ki na podlagi načela svobode opravljanja storitev svoje storitve opravljajo na ozemlju teh držav članic.
Given the importance of ensuring that knowledge and competence requirements are applied and complied with in practice, Member States should require competent authorities to supervise creditors, credit intermediaries and appointed representatives and empower them to obtain such evidence as they need to reliably assess compliance.
Ker je treba zagotoviti, da se zahteve glede znanja in usposobljenosti v praksi uporabljajo in upoštevajo, bi morale države članice od pristojnih organov zahtevati, da nadzorujejo dajalce kreditov, kreditne posrednike in imenovane predstavnike, ter jih pooblastiti za pridobitev vseh dokazov, potrebnih za zanesljivo ocenitev upoštevanja teh zahtev.
The way in which creditors, credit intermediaries and appointed representatives remunerate their staff should constitute one of the key aspects of ensuring consumer confidence in the financial sector.
Eden ključnih vidikov pri zagotavljanju zaupanja potrošnikov v finančni sektor bi moralo biti to, kako dajalci kreditov, kreditni posredniki in imenovani predstavniki plačujejo svoje osebje.
This Directive provides rules for staff remuneration, with the aim of limiting mis-selling practices and of ensuring that the way in which staff are remunerated does not impede compliance with the obligation to take account of the interests of the consumer.
Ta direktiva vsebuje pravila o plačevanju osebja, katerih namen je omejiti prakse zavajajoče prodaje in zagotoviti, da se z načinom plačevanja osebja ne ovira izpolnjevanje obveznosti upoštevanja interesov potrošnika.
In particular, creditors, credit intermediaries and appointed representatives should not design their remuneration policies in a way that would incentivise their staff to conclude a given number or type of credit agreements or to offer particular ancillary services to consumers with no explicit consideration of their interests and needs.
Dajalci kreditov, kreditni posredniki in imenovani predstavniki zlasti ne bi smeli oblikovati plačnih politik, ki bi osebje spodbujale k sklepanju določenega števila ali vrste kreditnih pogodb ali k ponujanju specifičnih pomožnih storitev potrošnikom brez jasnega upoštevanja njihovih interesov in potreb.
In this context, Member States may find it necessary to decide that a particular practice, for example, tied intermediaries collecting fees, is against the interests of a consumer.
V zvezi s tem se državam članicam lahko zazdi potrebno, da neko prakso, na primer pobiranje pristojbin s strani povezanih posrednikov, razglasijo za nasprotno potrošnikovim interesom.
Member States should also be able to specify that the remuneration received by staff is not dependent on the rate or the type of credit agreement concluded with the consumer.
Države članice bi morale imeti možnost, da jasno navedejo, da plačilo, ki ga prejme osebje, ni odvisno od števila ali vrste kreditnih pogodb, sklenjenih s potrošnikom.
This Directive provides for harmonised rules as regards the fields of knowledge and competence that creditors’, credit intermediaries’ and appointed representatives’ staff should possess in relation to the manufacturing, offering, granting and intermediation of a credit agreement.
Ta direktiva vsebuje harmonizirana pravila glede področij znanja in usposobljenosti na področju sestavljanja, ponudbe in odobritve kreditne pogodbe ali posredništva pri pogodbi, ki ju mora imeti osebje, zaposleno pri dajalcih kreditov, kreditnih posrednikih in imenovanih predstavnikih.
This Directive does not provide for specific arrangements directly related to the recognition of professional qualifications obtained by an individual in one Member State in order to meet the knowledge and competence requirements in another Member State.
Ta direktiva ne določa posebne ureditve, neposredno povezane s priznavanjem poklicnih kvalifikacij, ki jih posameznik pridobi v državi članici, da bi izpolnjeval zahteve glede znanja in usposobljenosti v drugi državi članici.
Directive 2005/36/EC of the European Parliament and of the Council of 7 September 2005 on the recognition of professional qualifications [9] should therefore continue to apply concerning the conditions for recognition and the compensation measures that a host Member State may require from an individual whose qualification has not been issued within its jurisdiction.
Direktiva Evropskega parlamenta in Sveta 2005/36/ES z dne 7. septembra 2005 o priznavanju poklicnih kvalifikacij [9] bi se torej morala še naprej uporabljati v zvezi s pogoji za priznavanje in dopolnilnimi ukrepi, ki jih država članica lahko zahteva od posameznika, čigar kvalifikacija ni bila izdana na ozemlju pod njeno pristojnostjo.
Creditors and credit intermediaries frequently use advertisements, often featuring special terms and conditions, to attract consumers to a particular product.
Dajalci kreditov in kreditni posredniki pogosto uporabljajo oglaševalska sporočila, ki velikokrat navajajo posebne pogoje, da bi vzbudili zanimanje potrošnika za določen produkt.
Consumers should, therefore, be protected against unfair or misleading advertising practices and should be able to compare advertisements.
Potrošniki bi zato morali biti zaščiteni pred nepravičnimi ali zavajajočimi oglaševalskimi praksami ter imeti možnost primerjati oglaševalska sporočila.
Specific provisions on the advertising of credit agreements and a list of items to be included in advertisements and marketing materials directed at consumers where such advertising specifies interest rates or any figures relating to the cost of credit, are necessary to enable them to compare different offers.
Posebne določbe glede oglaševanja kreditnih pogodb in seznam točk, ki jih je treba vključiti med oglaševalsko in trženjsko gradivo, namenjeno potrošnikom – kadar so pri takšnem oglaševanju navedene obrestne mere ali kakršne koli številke v zvezi s stroški kredita –, so potrebni, da potrošniki lahko primerjajo različne ponudbe.
Member States should remain free to introduce or maintain disclosure requirements in their national laws regarding advertising which does not indicate an interest rate or contain any figures relating to the cost of credit.
Države članice bi še naprej morale imeti možnost, da v nacionalno zakonodajo uvedejo ali v njej ohranijo zahteve po razkritju pri oglaševanju, ki ne vsebuje obrestne mere niti številk o stroških kredita.
Any such requirements should take into account the specificities of credit agreements relating to residential immovable property.
Vsaka tovrstna zahteva bi morala upoštevati posebnosti kreditnih pogodb za stanovanjske nepremičnine.
In any event, it should be ensured in accordance with Directive 2005/29/EC of the European Parliament and of the Council of 11 May 2005 concerning unfair business-to-consumer commercial practices in the internal market [10] that advertising of credit agreements should not create a misleading impression of the product.
V vsakem primeru bi bilo treba v skladu z Direktivo Evropskega parlamenta in Sveta 2005/29/ES z dne 11. maja 2005 o nepoštenih poslovnih praksah podjetij v razmerju do potrošnikov na notranjem trgu [10] zagotoviti, da oglaševanje kreditnih pogodb ne bi ustvarjalo lažnega vtisa o produktu.
Advertising tends to focus on one or several products in particular, while consumers should be able to make their decisions in full knowledge of the range of credit products on offer.
Oglaševanje se navadno osredotoča na enega ali več produktov, medtem ko bi morali imeti potrošniki možnost odločanja ob celovitem poznavanju nabora kreditnih produktov v ponudbi.
In that respect, general information plays an important role in educating the consumer in relation to the broad range of products and services available and the key features thereof.
V zvezi s tem so pri seznanjanju potrošnikov s širokim naborom produktov in storitev, ki so na voljo, ter z njihovimi temeljnimi značilnostmi pomembne splošne informacije.
Consumers should therefore be able at all times to access general information on credit products available.
Potrošniki bi zato vedno morali imeti možnost dostopa do splošnih informacij o kreditnih produktih, ki so na voljo.
Where this requirement is not applicable to non-tied credit intermediaries, this should be without prejudice to their obligation to provide consumers with personalised pre-contractual information.
Kadar se ta zahteva ne uporablja za nepovezane kreditne posrednike, to ne bi smelo vplivati na dejstvo, da morajo ti potrošnikom še vedno zagotoviti njim prilagojene predpogodbene informacije.
In order to ensure a level playing field and in order for the consumer’s decision to be based on the details of the credit products on offer rather than on the distribution channel through which such credit products are accessed, consumers should receive information on the credit regardless of whether they are dealing directly with a creditor or a credit intermediary.
Da bi zagotovili enake konkurenčne pogoje in da bi se potrošniki odločali na podlagi značilnosti kreditnih produktov, ki so na voljo, ne pa na podlagi distribucijskega kanala, prek katerega je mogoč dostop do takšnih kreditnih produktov, bi potrošniki informacije o kreditu morali prejeti ne glede na to, ali poslujejo neposredno z dajalcem kredita ali s kreditnim posrednikom.
Consumers should further receive personalised information in good time prior to the conclusion of the credit agreement in order to enable them to compare and reflect on the characteristics of credit products.
Poleg tega bi morali potrošniki pred sklenitvijo kreditne pogodbe pravočasno prejeti njim prilagojene informacije, kar bi jim omogočilo, da bi preučili značilnosti kreditnih produktov in jih primerjali.
Pursuant to Commission Recommendation 2001/193/EC of 1 March 2001 on pre-contractual information to be given to consumers by lenders offering home loans [11], the Commission committed itself to monitoring compliance with the Voluntary Code of Conduct on pre-contractual information for home loans, which contains the ESIS which provides information, personalised for the consumer, on the credit agreement being provided.
Na podlagi Priporočila Komisije 2001/193/ES z dne 1. marca 2001 o predpogodbenih informacijah, ki jih morajo potrošnikom dati posojilodajalci, ki ponujajo stanovanjska posojila [11], se je Komisija zavezala, da bo spremljala upoštevanje prostovoljnega kodeksa o Izvajanju predpogodbenih informacij za stanovanjska posojila, ki vsebuje ESIS, v katerem so za potrošnika prilagojene informacije o ponujeni kreditni pogodbi.
Evidence collected by the Commission highlighted the need to revise the content and presentation of the ESIS to ensure that it is clear, understandable and contains all information found to be relevant for consumers.
Dokazi, ki jih je zbrala Komisija, so izpostavili, da je treba spremeniti vsebino in predstavitev ESIS in s tem zagotoviti, da bo ESIS jasen in razumljiv ter da bo vključeval vse informacije, ki naj bi bile relevantne za potrošnike.
The content and layout of the ESIS should incorporate the necessary improvements identified during consumer testing in all Member States.
Vsebinsko in oblikovno bi ESIS moral upoštevati vse potrebne izboljšave, odkrite med testiranjem potrošnikov v vseh državah članicah.
The structure of the ESIS, in particular, the order of the information items, should be revised, the wording should be more user-friendly, while sections, such as ‘nominal rate’ and ‘annual percentage rate of charge’, should be merged and new sections, such as ‘flexible features’, should be added.
Strukturo ESIS, zlasti vrstni red informacij, bi bilo treba spremeniti, besedilo bi moralo biti uporabnikom bolj prijazno, rubrike, kot je „nominalna obrestna mera“ in „efektivna obrestna mera“, bi bilo treba združiti, obenem pa dodati nove, na primer „prožne značilnosti“.
An illustrative amortisation table should be provided to a consumer as part of the ESIS where the credit is a deferred interest credit, in which the repayment of principal is deferred for an initial period or where the borrowing rate is fixed for the duration of the credit agreement.
Potrošnik bi moral v okviru ESIS prejeti ponazoritveni amortizacijski načrt, kadar gre za kredit z odloženim plačilom obresti, v katerem je odplačevanje glavnice odloženo za določeno začetno obdobje ali če je posojilna obrestna mera za časa trajanja kreditne pogodbe fiksna.
Member States should be able to provide that such an illustrative amortisation table in the ESIS is not compulsory for other credit agreements.
Države članice bi morale imeti možnost določiti, da predložitev takšnega ponazoritvenega amortizacijskega načrta v ESIS za druge kreditne pogodbe ni obvezna.
Consumer research has underlined the importance of using simple and understandable language in disclosures provided to consumers.
Potrošniške raziskave so izpostavile, da je treba pri informacijah, namenjenih potrošnikom, uporabljati enostaven in razumljiv jezik.
For this reason, the terms used in the ESIS are not necessarily the same as the legal terms defined in this Directive but have the same meaning.
Pojmi, uporabljeni v ESIS, zaradi tega niso nujno enaki pravnim terminom, opredeljenim v tej direktivi, vendar pa imajo isti pomen.
The information requirements on credit agreements contained in the ESIS should be without prejudice to Union or national information requirements for other products or services that might be offered with the credit agreement, as conditions for obtaining the credit agreement related to immovable property, or offered so as to obtain that agreement at a lower borrowing rate, such as fire or life insurance or investment products.
Zahteve glede informacij o kreditnih pogodbah, vsebovane v ESIS, ne bi smele posegati v zahteve, določene na nacionalni ravni ali na ravni Unije, glede informacij o drugih produktih ali storitvah – denimo o požarnem ali življenjskem zavarovanju ali naložbenih produktih –, ki se lahko ponujajo skupaj s kreditno pogodbo kot pogoj za pridobitev kreditne pogodbe za nepremičnino ali kot pogoj za pridobitev nižje posojilne obrestne mere za to pogodbo.