natgillin/translations-raw huggingface dataset:
Whilst recognising the diversity in mortgage funding mechanisms and the range of products available, certain standards with regard to early repayment of credit are essential at Union level in order to ensure that consumers have the possibility to discharge their obligations before the date agreed in the credit agreement and the confidence to compare offers in order to find the best products to meet their needs.
Kljub raznovrstnosti mehanizmov hipotekarnega financiranja in raznolikosti razpoložljivih produktov so na ravni Unije nujni določeni standardi glede predčasnega odplačila kredita, zato da se zagotovi, da imajo potrošniki možnost svoje obveznosti izpolniti pred datumom, dogovorjenim v kreditni pogodbi, in samozavestno primerjati ponudbe, da bi našli produkte, ki bi najbolje ustrezali njihovim potrebam.
Member States should therefore ensure, whether through law or other means such as contractual clauses, that consumers have a right to early repayment.
Države članice bi torej morale bodisi v pravu bodisi z drugimi sredstvi, kot so pogodbene klavzule, zagotoviti, da imajo potrošniki pravico do predčasnega odplačila.
Nevertheless, Member States should be able to define the conditions for the exercise of such a right.
Vendar pa bi morale države članice imeti možnost, da opredelijo pogoje za uveljavljanje takšne pravice.
These conditions may include time limitations on the exercise of the right, different treatment depending on the type of the borrowing rate or restrictions with regard to the circumstances under which the right may be exercised.
Ti pogoji lahko vključujejo časovne omejitve glede uveljavljanja pravice, različno obravnavo glede na vrsto posojilne obrestne mere ali omejitve glede okoliščin, v katerih se pravica lahko uveljavlja.
Where the early repayment falls within a period for which the borrowing rate is fixed, exercise of the right may be made subject to the existence of a legitimate interest on the part of the consumer specified by the Member State.
Kadar namerava potrošnik predčasno odplačilo izvršiti v obdobju, za katero je bila dogovorjena fiksna posojilna obrestna mera, je lahko uveljavljanje navedene pravice odvisno od tega, ali ima potrošnik za to legitimen interes, ki ga določi država članica.
Such legitimate interest may for example occur in the event of divorce or unemployment.
Takšen legitimen interes lahko nastopi denimo v primeru ločitve ali brezposelnosti.
The conditions set by Member States may provide that the creditor is entitled to fair and objectively justified compensation for potential costs directly linked to early repayment of the credit.
Pogoji, ki jih določijo države članice, lahko določajo, da je dajalec kredita upravičen do poštenega in objektivno upravičenega nadomestila za morebitne stroške, ki so neposredno povezani s predčasnim odplačilom kredita.
In the event where Member States provide that the creditor is entitled to compensation such compensation should be a fair and objectively justified compensation for potential costs directly linked to early repayment of the credit in accordance with the national rules on compensation.
V primeru, da države članice določijo, da je dajalec kredita upravičen do nadomestila, bi moralo biti tovrstno nadomestilo za morebitne stroške, neposredno povezane s predčasnim odplačilom kredita, v skladu z nacionalnimi pravili o nadomestilih pošteno in objektivno upravičeno.
The compensation should not exceed the financial loss of the creditor.
Nadomestilo ne bi smelo presegati finančne izgube dajalca kredita.
It is important to ensure that sufficient transparency exists to provide clarity for consumers on the nature of the commitments made in the interests of preserving financial stability and on where there is flexibility during the term of the credit agreement.
Treba je poskrbeti za zadostno preglednost, da se potrošniku pojasnijo narava obveznosti, prevzetih zaradi ohranitve finančne stabilnosti, in možnosti glede prožnosti v času trajanja kreditne pogodbe.
Consumers should be provided with information concerning the borrowing rate during the contractual relationship as well as at the pre-contractual stage.
Potrošnike bi bilo treba seznaniti tudi z informacijami glede posojilne obrestne mere v času trajanja pogodbenega razmerja in v predpogodbeni fazi.
Member States should be able to maintain or introduce restrictions or prohibitions on unilateral changes to the borrowing rate by the creditor.
Države članice bi morale imeti možnost, da ohranijo ali uvedejo omejitve ali prepovedi glede enostranskih sprememb posojilne obrestne mere s strani dajalca kredita.
Member States should be able to provide that where the borrowing rate changes the consumer is entitled to receive an updated amortisation table.
Države članice bi morale imeti možnost določiti, da ima potrošnik v primeru spremembe posojilne obrestne mere pravico prejeti posodobljen amortizacijski načrt.
Although credit intermediaries play a central role in the distribution of credit agreements relating to residential immovable property in the Union, substantial differences remain between national provisions on the conduct of business and supervision of credit intermediaries which create barriers to the taking-up and pursuit of the activities of credit intermediaries in the internal market.
Čeprav imajo kreditni posredniki osrednjo vlogo pri trženju kreditnih pogodb za stanovanjske nepremičnine v Uniji, ostajajo med nacionalnimi določbami o poslovanju in nadzoru kreditnih posrednikov znatne razlike, ki ustvarjajo ovire za začetek opravljanja in opravljanje dejavnosti kreditnih posrednikov na notranjem trgu.
The inability of credit intermediaries to operate freely throughout the Union hinders the proper functioning of the internal market in credit agreements relating to residential immovable property.
Nezmožnost kreditnih posrednikov, da prosto poslujejo po vsej Uniji, ovira pravilno delovanje notranjega trga kreditnih pogodb za stanovanjske nepremičnine.
While recognising the diversity in the types of actor involved in credit intermediation, certain standards at Union level are essential in order to ensure a high level of professionalism and service.
Kljub raznolikosti akterjev, udeleženih pri kreditnem posredništvu, so na ravni Unije nujni določeni standardi, da se zagotovi visoka raven strokovnosti in storitev.
Before being able to carry out their activities, credit intermediaries should be subject to an admission process by the competent authority of their home Member State and subject to ongoing supervision to ensure that they meet strict professional requirements at least in relation to their competence, good repute and professional indemnity cover.
Preden bi kreditni posredniki lahko opravljali svoje dejavnosti, bi morali opraviti sprejemni postopek pri pristojnem organu matične države članice ter bi morali biti pod stalnim nadzorom, da bi zagotovili, da izpolnjujejo stroge strokovne zahteve vsaj glede usposobljenosti, ugleda in zavarovanja poklicne odgovornosti.
Such requirements should apply at least at the level of the institution.
Takšne zahteve bi morale veljati vsaj na ravni institucije.
However, Member States may clarify whether such requirements for admission apply to individual employees of the credit intermediary.
Države članice pa lahko pojasnijo, ali se takšne zahteve glede sprejema uporabljajo za posamezne zaposlene pri kreditnem posredniku.
The home Member State may provide for additional requirements, for instance that the credit intermediary’s shareholders are of good repute or that a tied credit intermediary can only be tied to one creditor, where those are proportionate and compatible with other Union law.
Matična država članica lahko določi dodatne zahteve – na primer, da uživajo delničarji kreditnega posrednika ugled ali da sme biti povezani kreditni posrednik povezan samo z enim dajalcem kredita –, kadar so te zahteve sorazmerne in združljive z drugim pravom Unije.
Relevant information about admitted credit intermediaries should be entered in a public register.
Zadevne informacije o sprejetih kreditnih posrednikih bi bilo treba vnesti v javni register.
Tied credit intermediaries who work exclusively with one creditor under its full and unconditional responsibility should have the possibility to be admitted by the competent authority under the auspices of the creditor on whose behalf they act.
Povezane kreditne posrednike, ki sodelujejo izključno z enim dajalcem kredita, ki je neomejeno in brezpogojno odgovoren zanje, bi morale imeti možnost, da jih sprejme pristojni organ pod okriljem dajalca kredita, v imenu katerega ti kreditni posredniki delujejo.
Member States should have the right to maintain or to impose restrictions regarding the legal form of certain credit intermediaries, whether they are allowed to act exclusively as legal or natural persons.
Države članice bi morale imeti pravico ohraniti ali uvesti omejitve glede pravne oblike nekaterih kreditnih posrednikov, tj. ali ti lahko nastopajo izključno kot pravne ali fizične osebe.
Member States should be free to decide whether all credit intermediaries are entered into one register or whether different registers are required depending on whether the credit intermediary is tied or acts as independent credit intermediary.
Države članice bi morale imeti možnost, da odločijo o tem, ali se vsi kreditni posredniki vpišejo v en sam register ali pa so potrebni različni registri za kreditne posrednike, ki so povezani, in za takšne, ki nastopajo neodvisno.
Furthermore Member States should be free to maintain or to impose restrictions on the possibility to charge any fees to consumers by the credit intermediaries tied to one or more creditors.
Poleg tega bi države članice morale imeti možnost ohraniti ali uvesti omejitve glede možnosti, da kreditni posredniki, povezani z enim ali več dajalci kreditov, potrošnikom zaračunavajo pristojbine.
In some Member States, credit intermediaries may decide to use the services of appointed representatives to perform activities on their behalf.
V nekaterih državah članicah se kreditni posredniki lahko odločijo, da bodo uporabljali storitve imenovanih predstavnikov, ki bodo izvajali dejavnosti v njihovem imenu.
Member States should have the possibility to apply the specific regime laid down by this Directive for appointed representatives.
Države članice bi morale imeti možnost, da uporabijo posebno ureditev, ki je v tej direktivi določena za imenovane predstavnike.
However, Member States should be free not to introduce such a regime or to allow other entities to perform a role which is comparable to that of appointed representatives, provided that those entities are subject to the same regime as credit intermediaries.
Vendar bi državam članicam moralo biti dovoljeno, da takšne ureditve ne uvedejo ali da drugim subjektom dovolijo imeti vlogo, ki je primerljiva z vlogo imenovanih predstavnikov, pod pogojem, da za te subjekte velja ista ureditev kot za kreditne posrednike.
The rules on appointed representatives set out in this Directive do not oblige Member States to allow appointed representatives to operate in their jurisdiction unless such appointed representatives are considered credit intermediaries under this Directive.
Pravila o imenovanih predstavnikih iz te direktive držav članic ne zavezujejo k temu, da imenovanim predstavnikom dovolijo delovanje na ozemlju pod njihovo pristojnostjo, razen če imenovani predstavniki ne veljajo za kreditne posrednike v skladu s to direktivo.
In order to ensure the effective supervision of credit intermediaries by competent authorities, a credit intermediary which is a legal person should be admitted in the Member State in which it has its registered office.
Da bi zagotovili, da pristojni organi dejansko nadzorujejo kreditne posrednike, bi morali kreditnega posrednika, ki je pravna oseba, sprejeti v državi članici, v kateri ima registrirani sedež.
A credit intermediary which is not a legal person should be admitted in the Member State in which it has its head office.
Kreditnega posrednika, ki ni pravna oseba, bi morali sprejeti v državi članici, v kateri ima glavni sedež.
In addition, Member States should require that a credit intermediary’s head office always be situated in its home Member State and that it actually operates there.
Poleg tega bi države članice morale zahtevati, da je glavni sedež kreditnega posrednika vedno v matični državi članici in da tam tudi dejansko posluje.
The requirements for admission should allow credit intermediaries to operate in other Member States in accordance with the principles of freedom of establishment and freedom to provide services, provided that an appropriate notification procedure has been followed between the competent authorities.
Zahteve glede sprejema bi kreditnim posrednikom morale omogočiti, da poslujejo v drugih državah članicah v skladu z načeloma svobode ustanavljanja in svobode opravljanja storitev, pod pogojem, da so pristojni organi upoštevali ustrezen postopek obveščanja.
Even in cases where Member States decide to admit all individual staff within the credit intermediary, the notification of the intention to provide services should be made on the basis of the credit intermediary rather than the individual employee.
Tudi v primerih, kadar se države članice odločijo sprejeti vse posamezne zaposlene pri kreditnem posredniku, bi se obveščanje o nameri opravljanja storitev moralo vršiti na ravni kreditnega posrednika, ne pa posameznega zaposlenega.
However, while this Directive provides a framework for all admitted credit intermediaries, including credit intermediaries tied to only one creditor, to operate throughout the Union, this Directive does not provide such a framework for appointed representatives.
Ta direktiva sicer zagotavlja okvir za poslovanje vseh sprejetih kreditnih posrednikov, vključno s kreditnimi posredniki, ki so povezani s samo enim dajalcem kredita, v vsej Uniji, ne zagotavlja pa tovrstnega okvira za imenovane predstavnike.
In such instances, appointed representatives wishing to operate in another Member State would have to comply with the requirements for the admission of credit intermediaries set out in this Directive.
V takšnih primerih bi imenovani predstavniki, ki želijo poslovati v drugi državi članici, morali izpolnjevati zahteve za sprejem kreditnih posrednikov, določene v tej direktivi.
In some Member States, credit intermediaries can carry out their activities in respect of credit agreements offered by non-credit institutions and credit institutions.
V nekaterih državah članicah lahko kreditni posredniki opravljajo dejavnosti v zvezi s kreditnimi pogodbami, ki jih ponujajo nekreditne in kreditne institucije.
As a principle, admitted credit intermediaries should be allowed to operate in the entire territory of the Union.
Sprejetim kreditnim posrednikom bi načeloma moralo biti dovoljeno, da poslujejo na celotnem ozemlju Unije.
However, the admission by the competent authorities of the home Member States should not allow credit intermediaries to provide their services in relation to credit agreements offered by non-credit institutions to a consumer in a Member State where such non-credit institutions are not allowed to operate.
Vendar sprejem s strani pristojnih organov matičnih držav članic kreditnim posrednikom ne bi smel omogočiti, da storitve v zvezi s kreditnimi pogodbami, ki jih ponujajo nekreditne institucije, opravljajo za potrošnika v državi članici, v kateri takšne nekreditne institucije ne smejo poslovati.
Member States should be able to provide that persons carrying out credit intermediation activities only on an incidental basis in the course of professional activity, such as lawyers or notaries, are not subject to the admission procedure set out in this Directive provided that such professional activity is regulated and the relevant rules do not prohibit the carrying out, on an incidental basis, of credit intermediation activities.
Države članice bi morale imeti možnost, da določijo, da se za osebe, ki dejavnosti kreditnega posredništva opravljajo samo občasno v okviru poklicne dejavnosti, kot so odvetniki ali notarji, ne uporablja sprejemni postopek, določen v tej direktivi, pod pogojem, da je takšna poklicna dejavnost urejena in zadevna pravila ne prepovedujejo občasnega opravljanja dejavnosti kreditnega posredništva.
Such an exemption from the admission procedure laid down in this Directive should however mean that such persons cannot benefit from the passport regime provided in this Directive.
Takšno izvzetje iz sprejemnega postopka, določenega v tej direktivi, pa bi smelo pomeniti, da za takšne osebe ne more veljati sistem potnega lista iz te direktive.
Persons who merely introduce or refer a consumer to a creditor or credit intermediary on an incidental basis in the course of their professional activity, for instance by indicating the existence of a particular creditor or credit intermediary to the consumer or a type of product with this particular creditor or credit intermediary to the consumer without further advertising or engaging in the presentation, offering, preparatory work or conclusion of the credit agreement, should not be regarded as credit intermediaries for the purposes of this Directive.
Osebe, ki v okviru svoje poklicne dejavnosti občasno samo predstavijo potrošnika dajalcu kredita ali kreditnemu posredniku, na primer tako, da potrošniku nakažejo, da obstaja določen dajalec kredita ali kreditni posrednik ali določena vrsta produkta, ki jo ta ponuja, ne da bi tudi oglaševale ali sodelovale pri predstavitvi, ponudbi, pripravah ali sklenitvi kreditne pogodbe, ne bi smele veljati za kreditne posrednike v smislu te direktive.
Neither should borrowers who merely transfer a credit agreement to a consumer through a process of subrogation without carrying out any other credit intermediation activity be regarded as credit intermediaries for the purposes of this Directive.
Za kreditne posrednike v smislu te direktive ne bi smeli veljati niti posojilojemalci, ki prek subrogacije zgolj prenesejo kreditno pogodbo na potrošnika, ne da bi izvajali kakršno koli drugo dejavnost kreditnega posredništva.
In order to ensure a level playing field between creditors and promote financial stability, and pending further harmonisation, Member States should ensure that appropriate measures are in place for the admission and supervision of non-credit institutions providing credit agreements relating to residential immovable property.
Da bi države članice zagotovile enake konkurenčne pogoje med dajalci kreditov in spodbujale finančno stabilnost, bi do nadaljnje harmonizacije morale zagotoviti, da se sprejmejo ustrezni ukrepi za sprejem in nadzor nekreditnih institucij, ki ponujajo kreditne pogodbe za stanovanjske nepremičnine.
In accordance with the principle of proportionality, this Directive should not lay down detailed conditions for the admission or supervision of creditors providing such credit agreements and that are not credit institutions as defined in Regulation (EU) No 575/2013 of the European Parliament and the Council of 26 June 2013 on prudential requirements for credit institutions and investment firms [15].
V skladu z načelom sorazmernosti ta direktiva ne bi smela določati natančnih pogojev za sprejem ali nadzor dajalcev kreditov, ki ponujajo takšne kreditne pogodbe in niso kreditne institucije, kakor so opredeljene v Uredbi (EU) št. 575/2013 Evropskega parlamenta in Sveta z dne 26. junija 2013 o bonitetnih zahtevah za kreditne institucije in investicijska podjetja [15].
The number of such institutions operating in the Union at present is limited as is their market share and the number of Member States in which they are active, particularly since the financial crisis.
Število takšnih institucij, ki trenutno delujejo v Uniji, je omejeno, prav tako kot sta, zlasti od začetka finančne krize, omejena njihov tržni delež in število držav članic, v katerih poslujejo.
Nor should the introduction of a ‘passport’ for such institutions be provided for in this Directive for the same reason.
Zaradi istega razloga ta direktiva prav tako ne bi smela določati uvedbe potnega lista za takšne institucije.
Member States should lay down rules on sanctions applicable to infringements of the national provisions adopted pursuant to this Directive and ensure that they are implemented.
Države članice bi morale določiti pravila o sankcijah za kršitve nacionalnih določb, sprejetih na podlagi te direktive, in zagotavljati njihovo izvajanje.
While the choice of sanctions remains within the discretion of Member States, the sanctions provided for should be effective, proportionate and dissuasive.
Sankcije, ki se tako določijo, bi morale biti učinkovite, sorazmerne in odvračilne, pri čemer izbira sankcij ostaja v pristojnosti držav članic.
Consumers should have access to out-of-court complaint and redress procedures for the settlement of disputes arising from the rights and obligations set out in this Directive between creditors and consumers as well as between credit intermediaries and consumers.
Potrošnikom bi morali biti na voljo pritožbeni postopki in druga pravna sredstva za izvensodno reševanje sporov, izhajajočih iz pravic in obveznosti iz te direktive, med dajalci kreditov in potrošniki ter med kreditnimi posredniki in potrošniki.
Member States should ensure that participation in such alternative dispute resolution procedures is not optional for creditors and credit intermediaries.
Države članice bi morale zagotoviti, da za dajalce kreditov in kreditne posrednike sodelovanje pri tovrstnih postopkih alternativnega reševanja sporov ni prostovoljno.
To ensure the smooth functioning of alternative dispute resolution procedures in cases of cross-border activity, Member States should require and encourage the bodies responsible for resolving out-of-court complaints and redress to cooperate.
Da bi države članice zagotovile nemoteno delovanje postopkov alternativnega reševanja sporov v primeru čezmejnih dejavnosti, bi morale od organov, odgovornih za izvensodno reševanje pritožb in druga pravna sredstva, zahtevati, da med seboj sodelujejo, in jih k temu spodbujati.
In that context, Member States’ out-of-court complaint and redress bodies should be encouraged to participate in FIN-NET, a financial dispute resolution network of national out-of-court schemes that are responsible for handling disputes between consumers and financial services providers.
V zvezi s tem so organi držav članic, odgovorni za izvensodno reševanje pritožb in druga pravna sredstva, pozvani, naj se vključijo v FIN-NET, mrežo za reševanje finančnih sporov, ki združuje nacionalne izvensodne mehanizme za obravnavanje sporov med potrošniki in ponudniki finančnih storitev.
In order to ensure consistent harmonisation and to take account of developments in the markets for credit agreements or in the evolution of credit products or in economic conditions, and in order to further specify certain requirements in this Directive, the power to adopt acts in accordance with Article 290 TFEU should be delegated to the Commission in respect of amending the standard wording or the instructions for completing the ESIS and amending the remarks or update the assumptions used to calculate the APRC.
Da bi zagotovili dosledno harmonizacijo in upoštevali novosti na trgih kreditnih pogodb ali pri razvoju kreditnih produktov ali v zvezi z gospodarskimi razmerami ter da bi podrobneje določili nekatere zahteve v tej direktivi, bi bilo treba na Komisijo prenesti pooblastilo za sprejemanje aktov v skladu s členom 290 PDEU glede spremembe ustaljenega besedila ali navodil za izpolnitev ESIS in spremembe komentarjev ali posodobitev domnev, uporabljenih za izračun efektivne obrestne mere.