natgillin/translations-raw huggingface dataset:
Where the early repayment falls within a period for which the borrowing rate is fixed Member States may provide that the exercise of the right referred to in paragraph 1 is subject to the existence of a legitimate interest on the part of the consumer.
Kadar namerava potrošnik predčasno odplačilo izvršiti v obdobju, za katero je bila dogovorjena fiksna posojilna obrestna mera, lahko države članice določijo, da je uveljavljanje pravice iz odstavka 1 odvisno od tega, ali ima potrošnik za to legitimen interes.
Flexible and reliable markets
Prožni in zanesljivi trgi
Member States shall have appropriate mechanisms in place to ensure that the claim against the security is enforceable by or on behalf of creditors.
Države članice vzpostavijo primerne mehanizme, s katerimi zagotovijo, da lahko dajalci kreditov uveljavijo terjatve iz zavarovanja ali da se to stori v njihovem imenu.
Member States shall ensure that creditors keep appropriate records concerning the types of immovable property accepted as a security as well as the related mortgage underwriting policies used.
Države članice zagotovijo, da dajalci kreditov hranijo ustrezno evidenco v zvezi z vrstami nepremičnin, sprejetih kot zavarovanje, in s tem povezano politiko odobritev hipotekarnih kreditov.
Member States shall take the necessary measures to ensure an appropriate statistical monitoring of the residential property market, including for market surveillance purposes, where appropriate by encouraging the development and use of specific price indexes which may be public or private or both.
Države članice sprejmejo potrebne ukrepe, s katerimi zagotovijo ustrezno statistično spremljanje trga stanovanjskih nepremičnin, vključno za namene nadzora trga, in sicer, kadar je primerno, s spodbujanjem razvoja in uporabe posebnih indeksov cen, ki so lahko javni oziroma zasebni ali oboje.
Information concerning changes in the borrowing rate
Informacije o spremembah posojilne obrestne mere
Member States shall ensure that the creditor informs the consumer of any change in the borrowing rate, on paper or another durable medium, before the change takes effect.
Države članice zagotovijo, da dajalec kredita potrošnika na papirju ali drugem trajnem nosilcu podatkov obvesti o spremembi posojilne obrestne mere, preden začne sprememba učinkovati.
The information shall at least state the amount of the payments to be made after the new borrowing rate takes effect and, in cases where the number or frequency of the payments changes, particulars thereof.
V obvestilu se navedejo vsaj zneski odplačil po tem, ko nova posojilna obrestna mera začne učinkovati, in, kadar se spremeni število ali pogostost plačil, podrobnosti o tem.
However, the Member States may allow the parties to agree in the credit agreement that the information referred to in paragraph 1 is to be given to the consumer periodically where the change in the borrowing rate is correlated with a change in a reference rate, the new reference rate is made publicly available by appropriate means and the information concerning the new reference rate is kept available in the premises of the creditor and communicated personally to the consumer together with the amount of new periodic instalments.
Vendar lahko države članice strankama dovolijo dogovor v okviru kreditne pogodbe, da se obvestilo iz odstavka 1 potrošniku redno pošlje, ko je sprememba posojilne obrestne mere povezana s spremembo referenčne obrestne mere ter je nova referenčna obrestna mera javno dostopna na ustrezen način in je informacija o novi referenčni obrestni meri na voljo v prostorih dajalca kredita ter osebno sporočena potrošniku skupaj z novim zneskom rednih obrokov.
Creditors may continue to inform consumers periodically where the change in the borrowing rate is not correlated with a change in a reference rate where this was allowed under national law before 20 March 2014.
Dajalci kredita lahko še naprej redno obveščajo potrošnike, kadar sprememba posojilne obrestne mere ni povezana s spremembo referenčne obrestne mere, kadar je bilo to dovoljeno v skladu z nacionalnim pravom pred 20. marcem 2014.
Where changes in the borrowing rate are determined by way of auction on the capital markets and it is therefore impossible for the creditor to inform the consumer of any change before the change takes effect, the creditor shall, in good time before the auction, inform the consumer on paper or on another durable medium of the upcoming procedure and provide an indication of how the borrowing rate could be affected.
Kadar se spremembe posojilne obrestne mere določajo z avkcijo na kapitalskih trgih in zato dajalec kredita ne more obvestiti potrošnika o nobeni spremembi, preden ta začne učinkovati, dajalec kredita pred avkcijo pravočasno obvesti potrošnika, na papirju ali drugem trajnem nosilcu podatkov, o prihajajočem postopku in navede, kako bi to lahko vplivalo na posojilno obrestno mero.
Arrears and foreclosure
Zaostala plačila in izvršba
Member States shall adopt measures to encourage creditors to exercise reasonable forbearance before foreclosure proceedings are initiated.
Države članice sprejmejo ukrepe, s katerimi dajalce kreditov spodbudijo, da pokažejo razumno potrpežljivost pred začetkom postopka izvršbe.
Member States may require that, where the creditor is permitted to define and impose charges on the consumer arising from the default, those charges are no greater than is necessary to compensate the creditor for costs it has incurred as a result of the default.
Države članice lahko zahtevajo, da v primeru, ko je dajalcu kredita dovoljeno, da potrošniku določi in naloži plačilo stroškov, ki nastanejo zaradi neizpolnjevanja plačilnih obveznosti, plačilo teh stroškov ni večje, kot je potrebno za nadomestilo stroškov, ki jih ima dajalec kredita zaradi neizpolnjevanja plačilnih obveznosti.
Member States may allow creditors to impose additional charges on the consumer in the event of default.
Države članice lahko dajalcem kreditov dovolijo, da potrošniku v primeru neizpolnitve plačilnih obveznosti naložijo plačilo dodatnih stroškov.
In that case Member States shall place a cap on those charges.
V tem primeru države članice omejijo višino teh stroškov.
Member States shall not prevent the parties to a credit agreement from expressly agreeing that return or transfer to the creditor of the security or proceeds from the sale of the security is sufficient to repay the credit.
Države članice strankama kreditne pogodbe ne preprečijo izrecnega dogovora, da povrnitev zavarovanja ali prihodkov od prodaje zavarovanja dajalcu kredita ali njihov prenos nanj zadostuje za odplačilo kredita.
Where the price obtained for the immovable property affects the amount owed by the consumer Member States shall have procedures or measures to enable the best efforts price for the foreclosed immovable property to be obtained.
Kadar cena za nepremičnino vpliva na znesek, ki ga dolguje potrošnik, države članice z ustreznimi postopki ali ukrepi omogočijo, da se doseže najboljša možna cena za nepremičnino, ki je predmet izvršbe.
Where after foreclosure proceedings outstanding debt remains, Member States shall ensure that measures to facilitate repayment in order to protect consumers are put in place.
Kadar po postopku izvršbe dolg še ni poplačan, države članice zagotovijo, da se sprejmejo ustrezni ukrepi za zagotovitev lažjega odplačevanja in tako zaščitijo potrošnike.
REQUIREMENTS FOR ESTABLISHMENT AND SUPERVISION OF CREDIT INTERMEDIARIES AND APPOINTED REPRESENTATIVES
ZAHTEVE GLEDE USTANAVLJANJA IN NADZORA KREDITNIH POSREDNIKOV IN IMENOVANIH PREDSTAVNIKOV
Admission of credit intermediaries
Sprejem kreditnih posrednikov
Credit intermediaries shall be duly admitted to carry out all or part of the credit intermediation activities set out in point 5 of Article 4 or to provide advisory services by a competent authority in their home Member State.
Pristojni organi v matični državi članici sprejmejo opravljanje vseh ali del dejavnosti kreditnih posrednikov iz točke 5 člena 4 ali izvajanja svetovalnih storitev.
Where a Member State allows appointed representatives under Article 31, such an appointed representative shall not need to be admitted as a credit intermediary under this Article.
Kadar država članica dovoli imenovanje predstavnikov v skladu s členom 31, takšnega imenovanega predstavnika ni treba sprejeti kot kreditnega posrednika v skladu s tem členom.
Member States shall ensure that the admission of credit intermediaries is made subject to fulfilment of at least the following professional requirements in addition to the requirements provided for in Article 9:
Države članice zagotovijo, da so za sprejem kreditnih posrednikov poleg zahtev iz člena 9 izpolnjene vsaj naslednje poklicne zahteve:
Credit intermediaries shall hold professional indemnity insurance covering the territories in which they offer services, or some other comparable guarantee against liability arising from professional negligence.
Kreditni posredniki imajo sklenjeno zavarovanje poklicne odgovornosti, ki zajema ozemlja, na katerih ponujajo storitve, ali drugo primerljivo jamstvo za kritje odgovornosti v primeru poklicne malomarnosti.
However, for tied credit intermediaries, the home Member State may provide that such insurance or comparable guarantee can be provided by a creditor for which the credit intermediary is empowered to act.
Za povezane kreditne posrednike pa lahko matična država članica določi, da lahko to zavarovanje ali primerljivo jamstvo zagotovi dajalec kredita, za katerega zastopanje je pooblaščen kreditni posrednik.
Powers are delegated to the Commission to adopt and, where necessary amend, regulatory technical standards to stipulate the minimum monetary amount of the professional indemnity insurance or comparable guarantee referred to in the first paragraph of this point.
Na Komisijo se prenese pooblastilo, da sprejme in po potrebi spremeni regulativne tehnične standarde za določitev najnižjega denarnega zneska zavarovanja poklicne odgovornosti ali primerljivega jamstva iz prvega odstavka te točke.
Those regulatory technical standards shall be adopted in accordance with Articles 10 to 14 of Regulation (EU) No 1093/2010.
Ti regulativni tehnični standardi se sprejmejo v skladu s členi 10 do 14 Uredbe (EU) št. 1093/2010.
A natural person established as a credit intermediary, the members of the board of a credit intermediary established as a legal person and natural persons performing equivalent tasks within a credit intermediary which is a legal person but does not have a board shall be of good repute.
Fizična oseba, ki je kreditni posrednik, člani upravnega odbora kreditnega posrednika, ki je pravna oseba, in fizične osebe, ki v kreditnem posredniku, ki je pravna oseba, a nima upravnega odbora, opravljajo enakovredne naloge, imajo dober ugled.
As a minimum they shall have a clean police record or any other national equivalent in relation to serious criminal offences linked to crimes against property or other crimes related to financial activities and they shall not have previously been declared bankrupt, unless they have been rehabilitated in accordance with national law.
Najmanjši pogoj za to je, da niso vpisani v kazensko evidenco ali drugem enakovrednem nacionalnem registru, kar zadeva huda kazniva dejanja, povezana s kaznivimi dejanji zoper lastnino ali drugimi kaznivimi dejanji, povezanimi s finančnimi dejavnostmi, in da v preteklosti niso bili v stečaju, razen če so bili sanirani v skladu z nacionalnim pravom;
A natural person established as a credit intermediary, the members of the board of a credit intermediary established as a legal person and natural persons performing equivalent tasks within a credit intermediary which is a legal person but does not have a board shall possess the appropriate level of knowledge and competence in relation to credit agreements.
Fizična oseba, ki je kreditni posrednik, člani upravnega odbora kreditnega posrednika, ki je pravna oseba, in fizične osebe, ki v kreditnem posredniku, ki je pravna oseba, a nima upravnega odbora, opravljajo enakovredne naloge, imajo ustrezno raven znanja in usposobljenosti v zvezi s kreditnimi pogodbami.
The home Member State shall establish the appropriate level of knowledge and competence in accordance with the principles set out in Annex III.
Matična država članica v skladu z načeli, določenimi v Prilogi III, določi ustrezno raven znanja in usposobljenosti.
Member States shall ensure that the criteria established in order for credit intermediaries’ or creditors’ staff to meet their professional requirements are made public.
Države članice zagotovijo, da se merila v zvezi s poklicnimi zahtevami, ki so jih določile za kreditne posrednike ali osebje kreditnih posrednikov, objavijo.
Member States shall ensure that all admitted credit intermediaries, whether established as natural or legal persons, are entered into a register with a competent authority in their home Member State.
Države članice zagotovijo, da so vsi sprejeti kreditni posredniki, ne glede na to, ali so fizične ali pravne osebe, registrirani pri pristojnem organu njihove matične države članice.
Member States shall ensure that the register of credit intermediaries is kept up to date and is publicly available online.
Države članice zagotovijo, da se register kreditnih posrednikov redno posodablja in da je na spletu na voljo javnosti.
The register of credit intermediaries shall contain at least the following information:
Register kreditnih posrednikov vsebuje vsaj naslednje informacije:
the names of the persons within the management who are responsible for the intermediation business.
imena oseb na vodilnih položajih, ki so odgovorne za posredovanje.
Member States may require the registration of all natural persons who exercise a client-facing function in an undertaking that pursues the activity of credit intermediation;
Države članice lahko zahtevajo registracijo vseh fizičnih oseb, ki imajo v podjetju, ki opravlja dejavnost kreditnega posredništva, neposreden stik s strankami;
the Member States in which the credit intermediary conducts business under the rules on the freedom of establishment or on the freedom to provide services and of which the credit intermediary has informed the competent authority of the home Member State in accordance with Article 32(3);
države članice, v katerih kreditni posrednik opravlja posle na podlagi načela svobode ustanavljanja ali svobode opravljanja storitev ter o čemer kreditni posrednik obvesti pristojni organ matične države članice v skladu s členom 32(3);
whether the credit intermediary is tied or not.
ali je kreditni posrednik povezan ali ne.
Member States that decide to avail themselves of the option referred to in Article 30 shall ensure that the register indicates the creditor on whose behalf the tied credit intermediary acts.
Države članice, ki sklenejo uporabiti možnost iz člena 30, zagotovijo, da je v registru naveden dajalec kredita, v imenu katerega deluje kreditni posrednik.
Member States that decide to avail themselves of the option referred to in Article 31 shall ensure that the register indicates the credit intermediary or in the case of an appointed representative of a tied credit intermediary, the creditor on whose behalf the appointed representatives acts.
Države članice, ki sklenejo uporabiti možnost iz člena 31, zagotovijo, da je v registru naveden kreditni posrednik ali v primeru imenovanega predstavnika povezanega kreditnega posrednika dajalec kredita, v imenu katerega deluje imenovani predstavnik.
any credit intermediary which is a legal person has its head office in the same Member State as its registered office if under its national law it has a registered office;
ima vsak kreditni posrednik, ki je pravna oseba, glavno upravo v državi članici, kjer je njegov registrirani sedež, če ga po nacionalnem pravu ima;
any credit intermediary which is not a legal person or any credit intermediary which is a legal person but under its national law has no registered office has its head office in the Member State in which it actually carries on its main business.
ima vsak kreditni posrednik, ki ni pravna oseba, ali kreditni posrednik, ki je pravna oseba, vendar v skladu z nacionalnim pravom nima registriranega sedeža, glavni sedež v državi članici, v kateri dejansko opravlja glavno dejavnost.
Each Member State shall establish a single information point to allow quick and easy public access to information from the national register, which shall be compiled electronically and kept constantly updated.
Vsaka država članica vzpostavi eno samo informacijsko točko, ki omogoča hiter in enostaven javni dostop do informacij iz nacionalnega registra, ki so v elektronski obliki in se stalno posodabljajo.
These information points shall provide the identification details of the competent authorities of each Member State.
Te informacijske točke zagotavljajo identifikacijske podatke o pristojnih organih v vseh državah članicah.
EBA shall publish on its website references or hyperlinks to that information point.
EBA na svojem spletnem mestu objavi navedbe ali spletne povezave do te informacijske točke.
Home Member States shall ensure that all admitted credit intermediaries and appointed representatives comply with the requirements defined in paragraph 2 on a continuing basis.
Matične države članice zagotovijo, da vsi sprejeti kreditni posredniki in imenovani predstavniki trajno izpolnjujejo zahteve, opredeljene v odstavku 2.
This paragraph shall be without prejudice to Articles 30 and 31.
Ta odstavek ne posega v člena 30 in 31.
Member States may decide not to apply this Article to persons carrying out the credit intermediation activities set out in point 5 of Article 4 where those activities are carried out in an incidental manner in the course of a professional activity and that activity is regulated by legal or regulatory provisions or a code of ethics governing the profession which do not exclude the carrying out of those activities.
Države članice lahko odločijo, da ne uporabijo tega člena za osebe, ki opravljajo dejavnosti kreditnega posredovanja iz točke 5 člena 4, kadar se dejavnosti opravljajo priložnostno v okviru poklicne dejavnosti in to dejavnost urejajo zakonski oziroma podzakonski predpisi ali kodeks poklicne etike in ne izključujejo opravljanja teh dejavnosti.
This Article shall not apply to credit institutions authorised in accordance with Directive 2013/36/EU or to other financial institutions which under national law are subject to an equivalent authorisation and supervision regime.
Ta člen se ne uporablja za kreditne institucije z dovoljenjem v skladu z Direktivo 2013/36/EU ali druge finančne institucije, za katere v skladu z nacionalnim pravom velja enakovredna ureditev glede odobritve in nadzora.
Credit intermediaries tied to only one creditor
Kreditni posredniki, povezani le z enim dajalcem kredita
Without prejudice to Article 31(1), Member States may allow tied credit intermediaries specified in point (a) of point 7 of Article 4 to be admitted by competent authorities through the creditor on whose behalf the tied credit intermediary is exclusively acting.
Brez poseganja v člen 31(1) lahko države članice dovolijo, da pristojni organi sprejmejo povezane kreditne posrednike iz točke (a) točke 7 člena 4 v okviru dajalca kredita, ki ga izključno zastopa povezani kreditni posrednik.
In such cases, the creditor shall remain fully and unconditionally responsible for any action or omission on the part of the tied credit intermediary that is acting on behalf of the creditor in areas regulated by this Directive.
V takšnih primerih dajalec kredita ostaja neomejeno in brezpogojno odgovoren za vsa dejanja ali opustitve dejanj povezanega kreditnega posrednika, ki deluje v imenu dajalca kredita na področjih, ki jih ureja ta direktiva.
Member States shall require the creditor to ensure that those tied credit intermediaries comply with at least the professional requirements set out in Article 29(2).
Države članice od dajalca kredita zahtevajo, naj zagotovi, da ti povezani kreditni posredniki izpolnjujejo vsaj poklicne zahteve iz člena 29(2).
Without prejudice to Article 34, creditors shall monitor the activities of tied credit intermediaries specified in point (a) of point 7 of Article 4 in order to ensure that they continue to comply with this Directive.
Brez poseganja v člen 34 dajalci kreditov spremljajo dejavnosti povezanih kreditnih posrednikov, določenih v točki (a) točke 7 člena 4, da zagotovijo trajno izpolnjevanje zahteve iz te direktive.
In particular, the creditor shall be responsible for monitoring compliance with the knowledge and competence requirements of the tied credit intermediary and its staff.
Dajalec kredita je še zlasti odgovoren za nadzor izpolnjevanja zahtev glede znanja in usposobljenosti povezanega kreditnega posrednika in njegovega osebja.
Appointed representatives
Imenovani predstavniki
Member States may decide to allow a credit intermediary to appoint appointed representatives.
Države članice lahko sklenejo, da bodo kreditnemu posredniku dovolile imenovanje predstavnikov.
Where the appointed representative is appointed by a tied credit intermediary specified in point (a) of point 7 of Article 4, the creditor shall remain fully and unconditionally responsible for any action or omission on the part of the appointed representative that is acting on behalf of that tied credit intermediary in areas regulated by this Directive.
Kadar imenovanega predstavnika imenuje povezani kreditni posrednik, določen v točki (a) točke 7 člena 4, dajalec kredita ostane v celoti in brezpogojno odgovoren za vsa dejanja ali opustitve dejanj imenovanega predstavnika, ki deluje v imenu tega povezanega kreditnega posrednika na področjih, ki jih ureja ta direktiva.
In other cases the credit intermediary shall remain fully and unconditionally responsible for any action or omission on the part of the appointed representative acting on behalf of the credit intermediary in areas regulated by this Directive.
V drugih primerih dajalec kredita ostaja neomejeno in brezpogojno odgovoren za vsa dejanja ali opustitve dejanj imenovanega predstavnika, ki deluje v imenu kreditnega posrednika na področjih, ki jih ureja ta direktiva.
The credit intermediaries shall ensure that their appointed representatives comply at least with the professional requirements set out in Article 29(2).
Kreditni posredniki zagotovijo, da njihovi imenovani zastopniki izpolnjujejo vsaj zahteve iz člena 29(2).
However, the home Member State may provide that the professional indemnity insurance or a comparable guarantee can be provided by a credit intermediary for which the appointed representative is empowered to act.
Vendar pa lahko država članica določi, da lahko zavarovanje poklicne odgovornosti ali primerljivo jamstvo zagotovi kreditni posrednik, za katerega zastopanje je pooblaščen imenovani predstavnik.
Without prejudice to Article 34, credit intermediaries shall monitor the activities of their appointed representatives in order to ensure full compliance with this Directive.
Brez poseganja v člen 34 kreditni posredniki nadzorujejo dejavnosti imenovanih zastopnikov, da bi tako zagotovile dosledno izpolnjevanje zahtev iz te direktive.
In particular, the credit intermediaries shall be responsible for monitoring compliance with the knowledge and competence requirements of the appointed representatives and their staff.
Kreditni posredniki so še zlasti odgovorni za nadzor izpolnjevanja zahtev glede znanja in usposobljenosti imenovanih predstavnikov in njihovega osebja.
Member States that decide to allow a credit intermediary to appoint appointed representatives shall establish a public register containing at least the information referred to in Article 29(4).
Države članice, ki sklenejo kreditnim posrednikom dovoliti imenovanje predstavnikov, vzpostavijo javni register, ki vsebuje vsaj informacije iz člena 29(4).
Appointed representatives shall be registered in the public register in the Member State where they are established.
Imenovani zastopniki so vpisani v javni register države članice, v kateri imajo sedež.
Freedom of establishment and freedom to provide services by credit intermediaries
Svoboda ustanavljanja in svoboda opravljanja storitev za kreditne posrednike