natgillin/translations-raw huggingface dataset:
It is essential that the consumer’s ability and propensity to repay the credit is assessed and verified before a credit agreement is concluded.
Potrošnikovo sposobnost odplačevanja kredita in njegovo nagnjenost k temu je nujno treba oceniti in preveriti, preden se sklene kreditna pogodba.
That assessment of creditworthiness should take into consideration all necessary and relevant factors that could influence a consumer’s ability to repay the credit over its lifetime.
Pri tej oceni kreditne sposobnosti bi se morali upoštevati vsi potrebni in relevantni dejavniki, ki bi lahko vplivali na sposobnost potrošnika, da odplača kredit v času njegovega trajanja.
In particular, the consumer’s ability to service and fully repay the credit should include consideration of future payments or payment increases needed due to negative amortisation or deferred payments of principal or interest and should be considered in the light of other regular expenditure, debts and other financial commitments as well as income, savings and assets.
Zlasti bi morali v zvezi s potrošnikovo sposobnostjo, da servisira in v celoti odplača kredit, upoštevati prihodnja plačila ali povišanja plačil, ki bodo potrebna zaradi negativne amortizacije ali odloga plačila glavnice ali obresti, pa tudi druge redne odhodke, dolgove in druge finančne obveznosti ter dohodek, prihranke in premoženje.
Reasonable allowance should be made for future events during the term of the proposed credit agreement such as a reduction in income where the credit term lasts into retirement or, where applicable, an increase in the borrowing rate or negative change in the exchange rate.
Treba bi bilo razumno upoštevati prihodnje dogodke med trajanjem predlagane kreditne pogodbe, kot je zmanjšanje dohodka, kadar se kreditna doba ne konča ob upokojitvi, ali po potrebi povečanje posojilne obrestne mere ali negativna sprememba menjalnega tečaja.
While the value of the immovable property is an important element in ascertaining the amount of the credit that may be granted to a consumer under a secured credit agreement, the assessment of creditworthiness should focus on the consumer’s ability to meet their obligations under the credit agreement.
Čeprav je vrednost nepremičnine pomemben dejavnik pri določanju zneska kredita, ki se lahko odobri potrošniku na podlagi zavarovane kreditne pogodbe, bi morala biti ocena kreditne sposobnosti usmerjena v potrošnikovo sposobnost izpolnjevanja obveznosti iz kreditne pogodbe.
Consequently, the possibility that the value of the immovable property could exceed the credit amount or could increase in the future should not generally be a sufficient condition for granting the credit in question.
Možnost, da vrednost nepremičnine v prihodnosti preseže znesek kredita ali se poveča, zato praviloma ne bi smela zadostovati za odobritev zadevnega kredita.
Nevertheless, where the purpose of a credit agreement is to construct or renovate an existing immovable property, the creditor should be able to consider this possibility.
Vendar bi dajalcu kredita – v primeru, da je namen kreditne pogodbe izgradnja ali obnova obstoječe nepremičnine – morali omogočiti, da razmisli o tej možnosti.
Member States should be able to issue additional guidance on those or additional criteria and on methods to assess a consumer’s creditworthiness, for example by setting limits on loan-to-value or loan-to-income ratios and should be encouraged to implement the Financial Stability Board’s Principles for Sound Residential Mortgage Underwriting Practices.
Države članice bi morale imeti možnost, da izdajo dodatne smernice glede teh ali dodatnih meril in glede metod za oceno potrošnikove kreditne sposobnosti, na primer z določitvijo mejnih vrednosti za razmerje med posojilom in vrednostjo nepremičnine ali med posojilom in dohodkom, in bi jih bilo treba spodbujati k izvajanju načel na področju dobrih praks pri sklepanju stanovanjskih hipotekarnih posojil Odbora za finančno stabilnost.
Specific provisions may be necessary for the different elements that may be taken into consideration in the creditworthiness assessment of certain types of credit agreements.
Morebiti so potrebne posebne določbe za različne elemente, ki se lahko upoštevajo pri oceni kreditne sposobnosti za določene vrste kreditnih pogodb.
For example, for credit agreements which relate to an immovable property which explicitly state that the immovable property is not to be occupied as a house, apartment or another place of residence by the consumer or a family member of the consumer (buy-to-let agreements), Member States should be able to specify that future rental income is taken into account when assessing the consumer’s ability to repay the credit.
Na primer, za kreditne pogodbe v zvezi z nepremičnino, v katerih je izrecno navedeno, da nepremičnina potrošniku ali družinskemu članu potrošnika ne sme služiti kot hiša, stanovanje ali drugo bivališče (pogodbe o nakupu z namenom oddaje), bi morale države članice imeti možnost določiti, da se pri ocenjevanju potrošnikove sposobnosti odplačevanja kredita upošteva prihodnji prihodek od najemnin.
In those Member States where such a specification is not set out by national provisions, creditors may decide to include a prudent assessment of future rental income.
V državah članicah, kjer takšna določba ni opredeljena z nacionalnimi predpisi, se dajalci kreditov obenem lahko odločijo vključiti preudarno oceno prihodnjega prihodka od najemnin.
The assessment of creditworthiness should not imply the transfer of responsibility to the creditor for any subsequent non-compliance by the consumer with his obligations under the credit agreement.
Dejstvo, da se pripravi ocena kreditne sposobnosti, ne bi smelo pomeniti, da se odgovornost za potrošnikovo poznejše neizpolnjevanje obveznosti iz kreditne pogodbe, prenese na dajalca kredita.
The creditor’s decision as to whether to grant the credit should be consistent with the outcome of the assessment of creditworthiness.
Odločitev dajalca kredita o odobritvi kredita bi morala biti skladna z izidom ocene kreditne sposobnosti.
For example, the capacity for the creditor to transfer part of the credit risk to a third party should not lead him to ignore the conclusions of the creditworthiness assessment by making a credit agreement available to a consumer who is likely not to be able to repay it.
Dajalec kredita sicer lahko prenese del kreditnega tveganja na tretjo osebo, vendar to še ne pomeni, da sme spregledati ugotovitve ocenjevanja kreditne sposobnosti in ponuditi kreditno pogodbo potrošniku, ki je verjetno ne bo mogel odplačati.
Member States should be able to transpose this principle by requiring competent authorities to take relevant actions as part of the supervisory activities and to monitor the compliance of creditors’ creditworthiness assessment procedures.
Države članice bi morale imeti možnost, da to načelo prenesejo v zakonodajo, in sicer tako, da od pristojnih organov zahtevajo, da v okviru nadzornih dejavnosti ustrezno ukrepajo in spremljajo, kako dajalci kreditov upoštevajo postopke ocenjevanja kreditne sposobnosti.
However, a positive creditworthiness assessment should not constitute an obligation for the creditor to provide credit.
Pozitivna ocena kreditne sposobnosti pa ne bi smela pomeniti, da mora dajalec kredita kredit tudi odobriti.
In line with the recommendations of the Financial Stability Board, the assessment of creditworthiness should be based on information on the financial and economic situation, including income and expenses, of the consumer.
V skladu s priporočili Odbora za finančno stabilnost bi morala ocena kreditne sposobnosti temeljiti na informacijah o potrošnikovem finančnem in ekonomskem položaju, vključno z dohodkom in izdatki.
That information can be obtained from various sources including from the consumer, and the creditor should appropriately verify such information before granting the credit.
Te informacije je mogoče dobiti iz različnih virov, tudi od potrošnika, dajalec kradita pa bi jih moral pred odobritvijo kredita ustrezno preveriti.
In that respect consumers should provide information in order to facilitate the creditworthiness assessment, since failure to do so is likely to result in refusal of the credit they seek to obtain unless the information can be obtained from elsewhere.
Potrošniki bi v zvezi s tem morali zagotoviti informacije, da bi se tako poenostavilo ocenjevanje kreditne sposobnosti, saj se v nasprotnem primeru lahko zgodi, da jim želeni kredit ne bo odobren, razen če informacij ni mogoče dobiti kje drugje.
Without prejudice to private contract law, Member States should ensure that creditors cannot terminate a credit agreement because they realised, after the signature of the credit agreement, that the assessment of creditworthiness was incorrectly conducted due to incomplete information at the time of the creditworthiness assessment.
Brez poseganja v zasebno pogodbeno pravo bi morale države članice zagotoviti, da dajalci kreditov ne morejo prekiniti kreditne pogodbe, ker po podpisu kreditne pogodbe ugotovijo, da je bila ocena kreditne sposobnosti zaradi nepopolnih informacij, ki so bile na voljo v času ocenjevanja, napačno izvedena.
However, this should be without prejudice to the possibility for Member States to allow creditors to terminate the credit agreement where it can be established that the consumer deliberately provided inaccurate or falsified information at the time of the creditworthiness assessment or intentionally did not provide information that would have led to a negative creditworthiness assessment or where there are other valid reasons compatible with Union law.
To pa ne bi smelo posegati v možnost, da države članice dajalcem kreditov dovolijo prekiniti kreditno pogodbo, kadar se lahko izkaže, da je potrošnik med ocenjevanjem kreditne sposobnosti namerno predložil netočne ali ponarejene informacije ali namerno ni predložil informacij, zaradi katerih bi bila ocena kreditne sposobnosti negativna, ali kadar obstajajo drugi tehtni razlogi v skladu s pravom Unije.
While it would not be appropriate to apply sanctions to consumers for not being in a position to provide certain information or assessments or for deciding to discontinue the application process for getting a credit, Member States should be able to provide for sanctions where consumers knowingly provide incomplete or incorrect information in order to obtain a positive creditworthiness assessment, in particular where the complete and correct information would have resulted in a negative creditworthiness assessment and the consumer is subsequently unable to fulfil the conditions of the agreement.
Sicer ne bi bilo primerno, da se proti potrošnikom uporabijo sankcije, ker ne morejo zagotoviti določenih informacij ali ocen ali ker se odločijo prekiniti postopek v zvezi z vlogo za pridobitev kredita, vendar bi morale države članice imeti možnost, da določijo sankcije, kadar potrošniki zavestno predložijo nepopolne ali napačne informacije, da bi dobili pozitivno oceno kreditne sposobnosti – zlasti kadar bi bila na podlagi popolnih in točnih informacij ta ocena negativna –, in nato ne morejo izpolnjevati pogojev iz pogodbe.
Consultation of a credit database is a useful element in the assessment of creditworthiness.
Poizvedbe v zbirki podatkov o kreditih so koristen element pri ocenjevanju kreditne sposobnosti.
Some Member States require creditors to assess the creditworthiness of consumers on the basis of a consultation of the relevant database.
Nekatere države članice zahtevajo, da dajalci kreditov potrošnikovo kreditno sposobnost ocenijo na podlagi poizvedbe v ustrezni zbirki podatkov.
Creditors should be able to consult the credit database over the lifetime of the credit solely in order to identify and assess the potential for default.
Dajalcem kreditov bi moralo biti omogočeno, da v času trajanja kredita pogledajo v zbirko podatkov samo zato, da bi prepoznali in ocenili možnost neizpolnjevanja plačilnih obveznosti.
Such consultation of the credit database should be subject to appropriate safeguards to ensure that it is used for the early identification and resolution of credit risk in the interest of the consumer and not to inform commercial negotiations.
Za tovrsten vpogled v zbirko podatkov bi morali veljati ustrezni zaščitni ukrepi, s katerimi bi zagotovili, da se uporablja za zgodnje odkrivanje in odpravljanje kreditnega tveganja v interesu potrošnika, ne pa za poslovna pogajanja.
Pursuant to Directive 95/46/EC of the European Parliament and of the Council of 24 October 1995 on the protection of individuals with regard to the processing of personal data and on the free movement of such data [14], consumers should be informed by creditors of the consultation of the credit database prior to its consultation, and should have the right to access the information held on them in such a credit database in order to, where necessary, rectify, erase or block the personal data concerning them processed therein where it is inaccurate or has been unlawfully processed.
Na podlagi Direktive Evropskega parlamenta in Sveta 95/46/ES z dne 24. oktobra 1995 o varstvu posameznikov pri obdelavi osebnih podatkov in o prostem pretoku takih podatkov [14] bi morali dajalci kreditov potrošnike obvestiti o poizvedbi v zbirki podatkov o kreditih, in sicer pred poizvedbo, potrošniki pa bi morali imeti pravico dostopa do informacij o sebi, ki se hranijo v takšni zbirki podatkov o kreditih, da bi po potrebi popravili, zbrisali ali blokirali v tej zbirki obdelane, nanje nanašajoče se osebne podatke, če niso točni ali so bili nezakonito obdelani.
To prevent any distortion of competition among creditors, it should be ensured that all creditors, including credit institutions or non-credit institutions providing credit agreements relating to residential immovable property, have access to all public and private credit databases concerning consumers under non-discriminatory conditions.
Da bi preprečili vsakršno izkrivljanje konkurence med dajalci kreditov, bi bilo treba poskrbeti, da imajo vsi dajalci kreditov, vključno s kreditnimi institucijami ali nekreditnimi institucijami, ki ponujajo kreditne pogodbe za stanovanjske nepremičnine, dostop do vseh javnih in zasebnih zbirk podatkov o kreditih, ki se nanašajo na potrošnike, pod nediskriminatornimi pogoji.
Such conditions should not therefore include a requirement for creditors to be established as a credit institution.
Takšni pogoji torej ne bi smeli vključevati zahteve, da so dajalci kreditov kreditne institucije.
Access conditions, such as the costs of accessing the database or requirements to provide information to the database on the basis of reciprocity should continue to apply.
Še naprej bi se morali uporabljati pogoji dostopa, kot so stroški dostopa do zbirke podatkov ali zahteve o zagotavljanju informacij za zbirko podatkov na podlagi vzajemnosti.
Member States should be free to determine whether, within their jurisdictions, credit intermediaries may have access to such databases.
Državam članicam bi moralo biti dovoljeno, da same določijo, ali bodo na ozemlju pod svojo pristojnostjo dostop do takšnih zbirk podatkov omogočile tudi kreditnim posrednikom.
Where a decision to reject an application for credit is based on data obtained through the consultation of a database or the lack of data therein, the creditor should inform the consumer thereof, and provide the name of the database consulted and of any other elements required by Directive 95/46/EC so as to enable the consumer to exercise his right to access and, where justified, rectify, erase or block personal data concerning him and processed therein.
Kadar je odločitev o zavrnitvi vloge za kredit sprejeta na podlagi podatkov, pridobljenih s poizvedbo v zbirki podatkov, ali na podlagi manjkajočih podatkov v tej zbirki, bi dajalec kredita o tem moral obvestiti potrošnika, obenem pa sporočiti ime uporabljene zbirke podatkov in vse druge elemente, ki jih zahteva Direktiva 95/46/ES, zato da bi potrošnik lahko uveljavil pravico dostopa do nanj nanašajočih se osebnih podatkov, obdelanih v zadevni zbirki podatkov, in jih v upravičenih primerih popravil, zbrisal ali blokiral.
Where a decision to reject an application for credit results from a negative creditworthiness assessment, the creditor should inform the consumer of the rejection without undue delay.
Kadar je odločitev o zavrnitvi vloge za kredit posledica negativne ocene kreditne sposobnosti, bi moral dajalec kredita potrošnika nemudoma obvestiti o zavrnitvi.
Member States should be free to decide whether they require creditors to provide further explanations on the reasons of the rejection.
Državam članicam bi moralo biti dovoljeno, da se odločijo, ali morajo dajalci kreditov dodatno utemeljiti razloge za zavrnitev.
However, the creditor should not be required to give such information when to do so would be prohibited by other Union law such as provisions on money laundering or the financing of terrorism.
Vendar pa se od dajalca kredita ne bi smelo zahtevati, da predloži takšne informacije, če to prepoveduje druga zakonodaja Unije, na primer zakonodaja o pranju denarja ali financiranju terorizma.
Such information should not be provided where to do so would be contrary to the objectives of public policy or public security such as the prevention, investigation, detection or prosecution of criminal offences.
Takšnih informacij ne bi smeli predložiti, kadar bi bilo to v nasprotju s cilji na področju javnega reda ali javne varnosti, kot je preprečevanje, preiskovanje, odkrivanje ali pregon kaznivih dejanj.
This Directive addresses the use of personal data in the context of the assessment of a consumer’s creditworthiness.
Ta direktiva predvideva uporabo osebnih podatkov v okviru ocene kreditne sposobnosti potrošnika.
In order to ensure the protection of personal data, Directive 95/46/EC should apply to the data processing activities carried out within the context of such assessments.
Za zagotovitev varstva osebnih podatkov za dejavnosti obdelave podatkov v okviru takšnih ocen bi bilo treba uporabljati Direktivo 95/46/ES.
Providing advice in the form of a personalised recommendation is a distinct activity which may but need not be combined with other aspects of granting or intermediating credit.
Svetovanje v obliki individualnega priporočila je ločena dejavnost, ki je lahko združena z drugimi vidiki odobritve kreditov ali posredovanja pri njih, a ne nujno.
Therefore, in order to be in a position to understand the nature of the services provided to them, consumers should be made aware of whether advisory services are being or can be provided and when they are not and of what constitutes advisory services.
Da bi torej potrošnik lahko razumel naravo storitev, ki so mu zagotovljene, bi moral vedeti, ali so svetovalne storitve sploh zagotovljene oziroma ali obstaja možnost, da se zagotovijo, kdaj niso zagotovljene in kaj pravzaprav so.
Given the importance which consumers attach to the use of the terms ‘advice’ and ‘advisors’, it is appropriate that Member States should be allowed to prohibit the use of the those terms, or similar terms, when advisory services are being provided to consumers.
Ker je za potrošnike pomembno, v kakšnem smislu se uporabljata pojma „svetovanje“ in „svetovalci“, je primerno, da se državam članicam dovoli, da v primeru, da se potrošnikom zagotavljajo svetovalne storitve, prepovejo uporabo teh ali podobnih pojmov.
It is appropriate to ensure that Member States impose safeguards where advice is described as independent to ensure that the range of products considered and remuneration arrangements are commensurate with consumers’ expectations of such advice.
Primerno je zagotoviti, da države članice uvedejo zaščitne ukrepe, kadar je svetovanje opisano kot neodvisno, in tako zagotovijo, da so zadevni produkti in ureditve glede plačil sorazmerni s potrošnikovimi pričakovanji glede tovrstnega svetovanja.
Those providing advisory services should comply with certain standards in order to ensure that the consumer is presented with products suitable for his needs and circumstances.
Tisti, ki ponujajo svetovalne storitve, bi morali upoštevati določene standarde za zagotovitev, da se potrošniku predstavijo produkti, ki ustrezajo njegovim potrebam in okoliščinam.
Advisory services should be based on a fair and sufficiently wide-ranging analysis of the products offered, where the advisory services are provided by creditors and tied credit intermediaries, or, where the advisory services are provided by credit intermediaries that are not tied, of products available on the market.
Svetovalne storitve bi morale temeljiti na pošteni in dovolj obsežni analizi ponujenih produktov, kadar svetovalne storitve zagotavljajo dajalci kreditov ali povezani kreditni posredniki, ali razpoložljivih produktov na trgu, kadar svetovalne storitve zagotavljajo nepovezani kreditni posredniki.
Those providing advisory services should be able to specialise in certain ‘niche’ products such as bridging finance, provided they consider a range of products within that particular ‘niche’ and ‘their specialisation in those ‘niche’ products is made clear to the consumer. In any event, creditors and credit intermediaries should disclose to the consumer whether they are advising only on their own product range or a wide range from across the market to ensure that the consumer understands the basis for a recommendation.
Tisti, ki zagotavljajo svetovalne storitve, bi morali imeti možnost, da se specializirajo za nekatere „nišne“ produkte, kot je premostitveno financiranje, pod pogojem, da upoštevajo več produktov znotraj zadevne „niše“ in da potrošnik jasno ve, da so specializirani na področju teh „nišnih“ produktov. Dajalci kreditov in kreditni posredniki bi morali potrošniku v vsakem primeru razkriti, ali pri svetovanju upoštevajo zgolj lasten nabor produktov ali pa njihovo svetovanje zadeva širok nabor produktov s celotnega trga, in tako zagotoviti, da potrošnik razume, na čem temelji priporočilo.
Advisory services should be based on a proper understanding of the consumer’s financial situation, preferences and objectives based on the necessary up-to-date information and reasonable assumptions about risks to the consumer’s circumstances during the lifetime of the credit agreement.
Svetovalne storitve bi morale temeljiti na pravilnem razumevanju potrošnikovega finančnega položaja, želj in ciljev na podlagi nujnih najnovejših informacij in smiselnih predpostavk o tveganjih za potrošnikov položaj v obdobju trajanja kreditne pogodbe.
Member States should be able to clarify how the suitability of a given product is to be assessed in the context of the provision of advisory services.
Državam članicam bi morali dati možnost, da pojasnijo, kako naj se v okviru zagotavljanja svetovalnih storitev oceni primernost danega produkta.
A consumer’s ability to repay the credit prior to the expiry of the credit agreement may play an important role in promoting competition in the internal market and the free movement of Union citizens as well as helping to provide the flexibility during the lifetime of the credit agreement needed to promote financial stability in line with the recommendations of the Financial Stability Board.
Sposobnost potrošnika, da odplača kredit pred iztekom kreditne pogodbe, ima lahko pomembno vlogo pri spodbujanju konkurence na notranjem trgu in prostega gibanja državljanov Unije ter prispevanju k zagotovitvi prožnosti, potrebne za spodbujanje finančne stabilnosti, v času trajanja kreditne pogodbe v skladu s priporočili Odbora za finančno stabilnost.
However, substantial differences exist between the national principles and conditions under which consumers have the ability to repay their credit and the conditions under which such early repayment can take place.
Vendar so med nacionalnimi načeli in pogoji, pod katerimi lahko potrošniki odplačujejo kredit, ter pogoji, pod katerimi je mogoče predčasno odplačilo, znatne razlike.