natgillin/translations-raw huggingface dataset:
If the ceiling applicable to the credit has not yet been agreed, that ceiling is assumed to be EUR 170000. In the case of credit agreements — other than contingent liabilities or guarantees — the purpose of which is not to acquire or retain a right in immovable property or land, overdrafts, deferred debit cards or credit cards this ceiling is assumed to be EUR 1500.
Če najvišja dovoljena meja kredita še ni bila dogovorjena, se predpostavlja, da znaša 170000 EUR. Pri kreditnih pogodbah – ki niso pogojne obveznosti ali jamstva – katerih namen ni pridobitev ali ohranitev pravice na nepremičnini ali zemljišču, pri prekoračitvi sredstev, bančnih plačilnih karticah z odlogom plačila ali kreditnih karticah se predpostavlja, da je najvišja dovoljena meja 1500 EUR.
In the case of credit agreements other than overdrafts, bridging loans, shared equity credit agreements, contingent liabilities or guarantees and open-ended credit agreements as referred to in the assumptions set out in points (i), (j), (k), (l) and (m):
Pri kreditnih pogodbah, pri katerih ne gre za možnost prekoračitve sredstev, premostitvene kredite, kreditne pogodbe s soudeležbo pri naložbi, pogojne obveznosti ali jamstva ter odprte kreditne pogodbe, navedene v predpostavkah iz točk (i), (h), (k), (l) in (m):
if the date or amount of a repayment of capital to be made by the consumer cannot be ascertained, it shall be assumed that the repayment is made at the earliest date provided for in the credit agreement and is for the lowest amount for which the credit agreement provides;
če se datum ali znesek odplačila kredita, ki ga mora izvršiti potrošnik, ne moreta ugotoviti, se predpostavlja, da se odplačilo izvrši na prvi datum, ki ga določa kreditna pogodba, znesek pa je najnižji, ki ga določa kreditna pogodba;
if the interval between the date of initial drawdown and the date of the first payment to be made by the consumer cannot be ascertained, it shall be assumed to be the shortest interval.
če ni mogoče ugotoviti časovnega intervala med dnevom začetka črpanja in dnevom prvega plačila potrošnika, se predpostavlja, da je to najkrajši časovni interval.
Where the date or amount of a payment to be made by the consumer cannot be ascertained on the basis of the credit agreement or the assumptions set out in points (g), (i), (j), (k), (l) and (m) it shall be assumed that the payment is made in accordance with the dates and conditions required by the creditor and, when these are unknown:
Kadar datuma ali zneska plačila, ki ga mora izvršiti potrošnik, ni mogoče ugotoviti na podlagi kreditne pogodbe ali predpostavk iz točk (g), (i), (j), (k), (l) in (m), se predpostavlja, da je plačilo izvršeno v skladu z datumi in pogoji, ki jih zahteva dajalec kredita, in kadar so ti neznani:
interest charges are paid together with the repayments of the capital;
se stroški obresti plačajo skupaj z odplačili glavnice;
non-interest charges expressed as a single sum are paid at the date of the conclusion of the credit agreement;
se na dan sklenitve kreditne pogodbe plačajo neobrestni stroški, izraženi v enkratnem znesku;
non-interest charges expressed as several payments are paid at regular intervals, commencing with the date of the first repayment of capital, and if the amount of such payments is not known they shall be assumed to be equal amounts;
se neobrestni stroški v obliki več plačil plačajo v rednih časovnih intervalih, z začetkom na dan prvega odplačila glavnice; če pa znesek takih plačil ni znan, se predpostavlja, da so zneski enaki;
the final payment clears the balance of capital, interest and other charges, if any.
se s končnim plačilom poravnajo saldo glavnice, obresti in morebitni drugi stroški.
In the case of an overdraft facility, the total amount of credit shall be deemed to be drawn down in full and for the whole duration of the credit agreement.
V primeru možnosti prekoračitve se šteje, da je skupni znesek kredita črpan v celoti in za celotno trajanje kreditne pogodbe.
If the duration of the overdraft facility is not known, the APRC shall be calculated on the assumption that the duration of the credit is three months.
Če trajanje možnosti prekoračitve sredstev ni znano, se pri izračunu efektivne obrestne mere predpostavlja, da je čas trajanja kredita tri mesece.
In the case of a bridging loan, the total amount of credit shall be deemed to be drawn down in full and for the whole duration of the credit agreement.
V primeru premostitvenega kredita se šteje, da je skupni znesek kredita črpan v celoti in za celotno trajanje kreditne pogodbe.
If the duration of the credit agreement is not known the APRC shall be calculated on the assumption that the duration of the credit is 12 months.
Če trajanje kreditne pogodbe ni znano, se pri izračunu efektivne obrestne mere predpostavlja, da je čas trajanja kredita 12 mesecev.
In the case of an open ended credit agreement, other than an overdraft facility and bridging loan, it shall be assumed that:
V primeru odprte kreditne pogodbe, razen pri možnosti prekoračitve sredstev in premostitvenem kreditu, se predpostavlja, da:
for credit agreements, the purpose of which is to acquire or retain rights in immovable property the credit is provided for a period of 20 years starting from the date of the initial drawdown, and that the final payment made by the consumer clears the balance of capital, interest and other charges, if any; in the case of credit agreements the purpose of which is not to acquire or retain rights in immovable property or which are drawn down by deferred debit cards or credit cards, this period shall be of one year;
se pri kreditnih pogodbah, katerih namen je pridobitev ali ohranitev pravic na nepremičnini, kredit zagotovi za obdobje 20 let, ki se šteje od dneva začetka črpanja, s končnim plačilom potrošnika pa se poravnajo saldo glavnice, obresti in morebitni drugi stroški; pri kreditnih pogodbah, katerih namen ni pridobitev ali ohranitev pravic na nepremičnini ali pri katerih se kredit črpa z bančnimi plačilnimi karticami z odlogom plačila ali kreditnimi karticami, je to obdobje eno leto;
the capital is repaid by the consumer in equal monthly payments, commencing one month after the date of the initial drawdown.
potrošnik odplača kredit z enakimi mesečnimi plačili, pri čemer začne odplačevati en mesec po dnevu začetka črpanja.
However, in cases where the capital must be repaid only in full, in a single payment, within each payment period, successive drawdowns and repayments of the entire capital by the consumer shall be assumed to occur over the period of one year.
Vendar se v primerih, ko mora biti kredit v vsakem plačilnem roku odplačan v celoti z enkratnim zneskom, predpostavlja, da bodo naslednja črpanja in odplačila celotnega kredita potrošnika izvršena v enem letu.
Interest and other charges shall be applied in accordance with those drawdowns and repayments of capital and as provided for in the credit agreement.
Obresti in drugi stroški se določijo v skladu z navedenimi črpanji in odplačili kredita ter tako, kot je določeno v kreditni pogodbi.
For the purposes of this point, an open-ended credit agreement is a credit agreement without fixed duration and includes credits which must be repaid in full within or after a period but, once repaid, become available to be drawn down again.
Za namene te točke je odprta kreditna pogodba kreditna pogodba, ki ni sklenjena za določen čas in vključuje kredite, ki jih je treba odplačati v celoti v določenem roku ali po njem, ki pa so spet na voljo za črpanje, potem ko se odplačajo.
In the case of contingent liabilities or guarantees, the total amount of credit shall be deemed to be drawn down in full as a single amount at the earlier of:
Pri pogojnih obveznostih ali jamstvih se šteje, da je celotni znesek kredita črpan v celoti z enkratnim zneskom na zgodnejšega od naslednjih datumov:
the latest draw down date permitted under the credit agreement being the potential source of the contingent liability or guarantee; or
najpoznejši možen datum črpanja, dovoljen po kreditni pogodbi, ki lahko sproži pogojno obveznost ali jamstvo, ali
in the case of a rolling credit agreement at the end of the initial period prior to the rollover of the agreement.
pri obnovljivih kreditnih pogodbah ob koncu začetnega obdobja pred obnovitvijo pogodbe.
In the case of shared equity credit agreements:
Pri kreditnih pogodbah s soudeležbo pri naložbi:
the payments by consumers shall be deemed to occur at the latest date or dates permitted under the credit agreement;
se šteje, da se odplačila potrošnika začnejo na zadnji datum ali datume, dovoljene po kreditni pogodbi;
percentage increases in value of the immovable property which secures the shared equity credit agreement, and the rate of any inflation index referred to in the agreement, shall be assumed to be a percentage equal to the higher of the current central bank target inflation rate or the level of inflation in the Member State where the immovable property is located at the time of conclusion of the credit agreement or 0 % if those percentages are negative.
se predpostavlja, da so odstotna zvišanja vrednosti nepremičnine, s katero se zavaruje kreditna pogodba s soudeležbo pri naložbi, ter stopnja indeksa inflacije iz pogodbe, enaki bodisi trenutni ciljni stopnji inflacije centralne banke bodisi – če je ta višja od slednje – stopnji inflacije v državi članici, v kateri je nepremičnina v času sklenitve kreditne pogodbe, ali 0 %, če so ti odstotki negativni.
EUROPEAN STANDARDISED INFORMATION SHEET (ESIS)
EVROPSKI STANDARDNI INFORMATIVNI LIST (ESIS)
The text in this model shall be reproduced as such in the ESIS.
Besedilo tega vzorca se dobesedno prenese v ESIS.
Indications between square brackets shall be replaced with the corresponding information.
Besedilo v oglatih oklepajih se zamenja z ustreznimi informacijami.
Instructions for the creditor or, where applicable, credit intermediary on how to complete the ESIS are provided in Part B.
Navodila za dajalca kredita ali, če je primerno, kreditnega posrednika, kako izpolniti ESIS, so v delu B.
Wherever the words ‘where applicable’ are indicated, the creditor shall provide the information required if it is relevant to the credit agreement.
V poljih, v katerih se pojavi besedilo „kjer je primerno“, dajalec kredita navede potrebne informacije, če so relevantne za kreditno pogodbo.
Where the information is not relevant, the creditor shall delete the information in question or the entire section (for example, in cases where the section is not applicable).
Če informacije niso relevantne za kreditno pogodbo, dajalec kredita izbriše zadevno informacijo ali celotno rubriko (npr. če se rubrika ne uporablja).
Where the entire section is deleted, the numbering of the ESIS sections shall be adjusted accordingly.
Kadar se celotna rubrika izbriše, se ustrezno prilagodi številčenje rubrik na ESIS.
The information below shall be provided in a single document.
Naslednje informacije se navedejo v enem samem dokumentu.
The font used shall be clearly readable.
Uporabi se jasno berljiva pisava.
Bold font, shading or larger font sizes shall be used for the information elements to be highlighted.
Pomembnejše informacije se vidno poudarijo s krepkim tiskom, senčenjem ali večjo velikostjo pisave.
All applicable risk warnings shall be highlighted.
Vsa relevantna opozorila glede tveganj se vidno poudarijo.
ESIS Model
Vzorec ESIS
(Introductory text)
(Uvod)
This document was produced for [name of consumer] on [current date].
Ta dokument je bil sestavljen [datum] za [ime potrošnika].
This document was produced on the basis of the information that you have provided so far and on the current financial market conditions.
Dokument je bil sestavljen na podlagi podatkov, ki ste nam jih sporočili, in na podlagi trenutnih razmer na finančnem trgu.
The information below remains valid until [validity date], (where applicable) apart from the interest rate and other costs.
Informacije v nadaljevanju, razen obrestne mere in drugih stroškov (kadar je primerno), so veljavne do [datum veljavnosti].
After that date, it may change in line with market conditions.
Po tem datumu se lahko spremenijo skladno z razmerami na trgu.
(Where applicable) This document does not constitute an obligation for [name of creditor] to grant you a loan.
(Kadar je primerno) S tem dokumentom se [ime dajalca kredita] ne obvezuje, da vam bo odobril posojilo.
Lender
Posojilodajalec
[Telephone number]
[Telefonska številka]
[Geographical address]
[Geografski naslov]
(Optional) [E-mail address]
(neobvezno) [E-poštni naslov]
(Optional) [Fax number]
(neobvezno) [Številka telefaksa]
(Optional) [Web address]
(neobvezno) [Spletni naslov]
(Optional) [Contact person/point]
(neobvezno) [Kontaktna oseba/točka]
(Where applicable information as to whether advisory services are being provided:) [(We recommend, having assessed your needs and circumstances, that you take out this mortgage./We are not recommending a particular mortgage for you. However, based on your answers to some questions, we are giving you information about this mortgage so that you can make your own choice.)]
(Kadar je primerno, informacije, ali se zagotovijo svetovalne storitve:) [(Glede na oceno vaših potreb in okoliščin vam priporočamo, da najamete ta hipotekarni kredit./Ne priporočamo vam nobenega posebnega hipotekarnega kredita, vendar vam glede na vaše odgovore na nekatera vprašanja ponujamo informacije o tem hipotekarnem kreditu, da se lahko odločite sami.)]
(Where applicable) Credit intermediary
(Kadar je primerno) Kreditni posrednik
(Where applicable [information as to whether advisory services are being provided]) [(We recommend, having assessed your needs and circumstances, that you take out this mortgage./We are not recommending a particular mortgage for you. However, based on your answers to some questions, we are giving you information about this mortgage so that you can make your own choice.)]
[(Glede na oceno vaših potreb in okoliščin vam priporočamo, da najamete ta hipotekarni kredit./Ne priporočamo vam nobenega posebnega hipotekarnega kredita, vendar vam glede na vaše odgovore na nekatera vprašanja ponujamo informacije o tem hipotekarnem kreditu, da se lahko odločite sami.)]
[Remuneration]
[Plačilo]
(Where applicable) This loan is not in [national currency of the borrower].
(Kadar je primerno) To posojilo ni v [domača valuta posojilojemalca].
(Where applicable) The value of your loan in [national currency of the borrower] could change.
(Kadar je primerno) Vrednost vašega posojila v [domača valuta posojilojemalca] se lahko spremeni.
(Where applicable) For example, if the value of [national currency of the borrower] fell by 20 % relative to [credit currency], the value of your loan would increase to [insert amount in national currency of the borrower].
(Kadar je primerno) Če bi se na primer vrednost [domača valuta posojilojemalca] zmanjšala za 20 % v primerjavi z [valuta kredita], bi se lahko vrednost vašega posojila povečala na [znesek v domači valuti posojilojemalca].
However, it could be more than this if the value of [national currency of the borrower] falls by more than 20 %.
Vendar bi bil znesek lahko tudi višji, če bi se vrednost [domača valuta posojilojemalca] zmanjšala za več kot 20 %.
(Where applicable) The maximum value of your loan will be [insert amount in national currency of the borrower].
(Kadar je primerno) Najvišja vrednost vašega posojila bo [znesek v domači valuti posojilojemalca].
(Where applicable) You will receive a warning if the credit amount reaches [insert amount in national currency of the borrower].
(Kadar je primerno) Če bo znesek kredita presegel [znesek v domači valuti posojilojemalca], boste prejeli opozorilo.
(Where applicable) You will have the opportunity to [insert right to renegotiate foreign currency loan or right to convert loan into [relevant currency] and conditions].
(Kadar je primerno) Lahko boste [sklicevanje na pravico do ponovnih pogajanj o posojilu v tuji valuti ali pravico do pretvorbe posojila v [ustrezna valuta] in pravico do ponovnih pogajanj o pogojih.]
Duration of the loan: [duration]
Trajanje posojila: [trajanje]
[Type of loan]
[Vrsta posojila]
[Type of applicable interest rate]
[Vrsta veljavne obrestne mere]
Total amount to be reimbursed:
Skupni znesek vračila:
This means that you will pay back [amount] for every [unit of the currency] borrowed.
To pomeni, da boste morali odplačati [znesek] za vsak izposojeni [enota valute].
(Where applicable) [This/Part of this] is an interest-only loan.
(Kadar je primerno) [Pri tem posojilu/delu posojila] se sproti odplačujejo samo obresti.
You will still owe [insert amount of loan on an interest-only basis] at the end of the mortgage term.
Ob izteku hipotekarnega kredita bo vaš dolg znašal še [znesek posojila, pri katerem se sproti plačujejo samo obresti]
(Where applicable) Value of the property assumed to prepare this information sheet: [insert amount]
(Kadar je primerno) Vrednost nepremičnine, na podlagi katere je bil pripravljen ta informativni list: [znesek]
(Where applicable) Maximum available loan amount relative to the value of the property [insert ratio] or Minimum value of the property required to borrow the illustrated amount [insert amount]
(Kadar je primerno) Najvišji razpoložljivi znesek posojila glede na vrednost nepremičnine [razmerje] ali najnižja vrednost nepremičnine, ki je potrebna za izposojo prikazanega zneska [znesek]
(Where applicable) [Security]
(Kadar je primerno) [Jamstvo]
Interest rate and other costs
Obrestna mera in drugi stroški
The annual percentage rate of charge (APRC) is the total cost of the loan expressed as an annual percentage.
Efektivna obrestna mera (EOM) ustreza skupnim stroškom posojila, izraženim kot letni odstotek.
The APRC is provided to help you to compare different offers.
EOM je naveden za lažjo primerjavo z drugimi ponudbami.
The APRC applicable to your loan is [APRC].
EOM, ki velja za vaše posojilo, znaša [EOM].
It comprises:
Sestavljen je iz naslednjega:
Costs to be paid on a one-off basis
[druge sestavine EOM] Enkratni stroški
Costs to be paid regularly
Redni stroški
(Where applicable) This APRC is calculated using assumptions regarding the interest rate.
(Kadar je primerno) Ta EOM je izračunan na podlagi predpostavk glede obrestne mere.
(Where applicable) Because [part of] your loan is a variable interest rate loan, the actual APRC could be different from this APRC if the interest rate for your loan changes.
(Kadar je primerno) Ker gre pri [delu vašega posojila/vašem posojilu] za posojilo s spremenljivo obrestno mero, se lahko dejanski EOM razlikuje od navedenega EOM, če bi se obrestna mera za vaše posojilo spremenila.
For example, if the interest rate rose to [scenario as described in Part B], the APRC could increase to [insert illustrative APRC corresponding to the scenario].
Če bi se na primer obrestna mera zvišala na [scenarij, opisan v delu B], bi se EOM zvišal na [ponazoritveni EOM, ki ustreza scenariju].
(Where applicable) Please note that this APRC is calculated on the basis that the interest rate remains at the level fixed for the initial period throughout the duration of the contract.
(Kadar je primerno) Opozarjamo vas, da je bil ta EOM izračunan ob predpostavki, da bo posojilna obrestna mera ves čas trajanja pogodbe enaka kot v začetnem obdobju.
(Where applicable) The following costs are not known to the lender and are therefore not included in the APRC: [Costs]
(Kadar je primerno) Posojilodajalec ne pozna naslednjih stroškov in jih zato ne more vključiti v EOM: [Stroški]
(Where applicable) You will need to pay a fee to register the mortgage.
(Kadar je primerno) Za prijavo hipoteke se plača pristojbina.
Please make sure that you are aware of all other taxes and costs associated with your loan.
Prepričajte se, da ste seznanjeni z vsemi ostalimi taksami in stroški, ki so povezani s posojilom.
Frequency and number of payments
Pogostost in število obrokov
Repayment frequency: [frequency]
Pogostost obrokov: [pogostost]
Number of payments: [number]
Število obrokov: [število]
Amount of each instalment
Višina posameznega obroka
[Amount] [currency]
[znesek][valuta]
Your income may change.
Vaši prihodki se lahko spremenijo.
Please consider whether you will still be able to afford your [frequency] repayment instalments if your income falls.
Razmislite, ali boste lahko odplačevali obroke [pogostost] tudi, če se vaši prihodki zmanjšajo.
(Where applicable) Because [this/part of this] is an interest-only loan you will need to make separate arrangements to repay the [insert amount of loan on an interest-only basis] you will owe at the end of the mortgage term.
(Kadar je primerno) Ker se pri [tem posojilu/tem delu posojila] sproti plačujejo samo obresti, boste morali odplačilo [znesek posojila, za katerega se sproti odplačujejo samo obresti], kolikor bo znašal vaš dolg ob izteku hipotekarnega kredita, urediti posebej.
Remember to add any extra payments you will need to make to the instalment amount shown here.
Ne pozabite upoštevati še vseh dodatnih plačil, ki jih boste morali prišteti znesku obroka, prikazanim tukaj.
(Where applicable) The interest rate on [part of] this loan can change.
(Kadar je primerno) Obrestna mera za to posojilo [ta del posojila] se lahko spremeni.
This means the amount of your instalments could increase or decrease.
To pomeni, da bi se lahko višina vaših obrokov zvišala ali znižala.
For example, if the interest rate rose to [scenario as described in Part B] your payments could increase to [insert instalment amount corresponding to the scenario].
Če bi se na primer obrestna mera zvišala na [scenarij, opisan v delu B], bi se vaša plačila lahko zvišala na [višina obroka, ki ustreza scenariju].
(Where applicable) The value of the amount you have to pay in [national currency of the borrower] each [frequency of instalment] could change.
(Kadar je primerno) Vrednost zneska, ki ga morate vsak [pogostost obrokov] vplačati v [domača valuta posojilojemalca], bi se lahko spremenila.
(Where applicable) Your payments could increase to [insert maximum amount in national currency of the borrower] each [insert period].
(Kadar je primerno) Vaša plačila bi se lahko zvišala na [najvišji znesek v domači valuti posojilojemalca] vsak [obdobje].
(Where applicable) For example, if the value of [national currency of the borrower] fell by 20 % relative to [credit currency] you would have to pay an extra [insert amount in national currency of the borrower] each [insert period].
(Kadar je primerno) Če bi se vrednost [domača valuta posojilojemalca] zmanjšala za 20 % glede na [valuta kredita], bi morali vsak [obdobje] dodatno plačati še [znesek v domači valuti posojilojemalca].
Your payments could increase by more than this.
Zneski, ki jih boste morali plačati, bi bili lahko še višji.
(Where applicable) The exchange rate used for converting your repayment in [credit currency] to [national currency of the borrower] will be the rate published by [name of institution publishing exchange rate] on [date] or will be calculated on [date] using [insert name of benchmark or method of calculation].
(Kadar je primerno) Vaše odplačilo v [valuta kredita] se bo v [domača valuta posojilojemalca] preračunalo po menjalnem tečaju, ki ga [datum] objavi [ime institucije, ki objavlja menjalni tečaj], ali po menjalnem tečaju, ki se bo izračunal [datum] na podlagi [ime merila ali metoda/metode za izračun].
(Where applicable) [Details on tied savings products, deferred-interest loans]
(Kadar je primerno) [Informacije o varčevalnih produktih z vezano vlogo, posojilih z odloženimi obrestmi]
(Where applicable) Illustrative repayment table
(Kadar je primerno) Ponazoritveni amortizacijski načrt
This table shows the amount to be paid every [frequency].
V tej razpredelnici je prikazan znesek, ki se plača vsak [pogostost].
The instalments (column [relevant no.]) are the sum of interest to be paid (column [relevant no.]), where applicable, capital paid (column [relevant no.]) and, where applicable, other costs (column [relevant no.]).
Obroki (stolpec [zadevna št.]) so vsota obresti, ki jih je treba plačati (stolpec [zadevna št.]) in, kjer je primerno, glavnice, ki jo je treba plačati (stolpec [zadevna št.]), ter (Kadar je primerno) drugih stroškov (stolpec [zadevna št.]).