natgillin/translations-raw huggingface dataset:
In order to facilitate the ability of credit intermediaries to provide their services on a cross-border basis, for the purposes of cooperation, information exchange and dispute resolution between competent authorities, the competent authorities responsible for the admission of credit intermediaries should be those acting under the auspices of the European Supervisory Authority (European Banking Authority) (EBA), as set out in Regulation (EU) No 1093/2010 of the European Parliament and of the Council of 24 November 2010 establishing a European Supervisory Authority (European Banking Authority) [16] or other national authorities provided that they cooperate with the authorities acting under the auspices of EBA in order to carry out their duties under this Directive.
Da bi kreditni posredniki lažje opravljali svoje storitve na čezmejni ravni, bi morali biti – za namene sodelovanja, izmenjave informacij in reševanja sporov med pristojnimi organi – za sprejem kreditnih posrednikov odgovorni tisti pristojni organi, ki delujejo pod okriljem Evropskega nadzornega organa (Evropski bančni organ) (EBA), kakor je določen v Uredbi (EU) št. 1093/2010 Evropskega parlamenta in Sveta z dne 24. novembra 2010 o ustanovitvi Evropskega nadzornega organa (Evropski bančni organ) [16], ali drugi nacionalni organi, pod pogojem, da ti za opravljanje svojih nalog v skladu s to direktivo sodelujejo z organi, ki delujejo pod okriljem EBA.
Member States should designate competent authorities empowered to ensure enforcement of this Directive and ensure that they are granted investigation and enforcement powers and adequate resources necessary for the performance of their duties.
Države članice bi morale imenovati pristojne organe, ki bi bili pooblaščeni za zagotovitev izvajanja te direktive, in poskrbeti, da so jim podeljena preiskovalna in izvršilna pooblastila ter ustrezna sredstva za opravljanje nalog.
Competent authorities could act for certain aspects of this Directive by application to courts competent to grant a legal decision, including, where appropriate, by appeal.
Pristojni organi lahko v zvezi z določenimi vidiki te direktive ukrepajo tako, da pristojno sodišče zaprosijo za izdajo sodne odločbe in po potrebi vložijo tudi pritožbo.
This could enable Member States, in particular where provisions of this Directive were transposed into civil law, to leave the enforcement of these provisions to the abovementioned bodies and the courts.
To bi državam članicam – zlasti če se določbe te direktive prenesejo v civilno pravo – omogočilo, da izvajanje teh določb prepustijo navedenim organom in sodiščem.
Member States should be able to designate different competent authorities in order to enforce the wide ranging obligations laid down in this Directive.
Države članice bi morale imeti možnost, da imenujejo različne pristojne organe za uveljavljanje raznolikih obveznosti iz te direktive.
For instance, for some provisions, Member States could designate competent authorities responsible for the enforcement of consumer protection, while for others, they could decide to designate prudential supervisors.
Glede nekaterih določb lahko države članice denimo imenujejo pristojne organe, odgovorne za uveljavljanje varstva potrošnikov, glede drugih pa se lahko odločijo imenovati organe, pristojne za bonitetni nadzor.
The option to designate different competent authorities should not affect the obligations for ongoing supervision and cooperation between the competent authorities, as provided for in this Directive.
Možnost imenovanja različnih pristojnih organov ne bi smela vplivati na obveznosti glede stalnega nadzora in sodelovanja med pristojnimi organi, kakor je določeno v tej direktivi.
The efficient functioning of this Directive will need to be reviewed, as will progress on the establishment of an internal market with a high level of consumer protection for credit agreements relating to residential immovable property.
Pregledati bo treba učinkovito delovanje te direktive in napredek pri vzpostavljanju notranjega trga kreditnih pogodb za stanovanjske nepremičnine z visoko ravnjo varstva potrošnikov.
The review should include, among other things, an assessment of compliance with and the impact of this Directive, an assessment of whether the scope of the Directive remains appropriate, an analysis of the provision of credit agreements by non-credit institutions, an assessment of the need for further measures, including a passport for non-credit institutions and examination of the necessity to introduce further rights and obligations with regard to the post-contractual stage of credit agreements.
Pregled bi med drugim moral vključevati oceno upoštevanja te direktive in njenega vpliva, oceno, ali je področje uporabe te direktive še vedno ustrezno, analizo zagotavljanja kreditnih pogodb s strani nekreditnih institucij, oceno potrebe po nadaljnjih ukrepih, vključno s potnim listom za nekreditne institucije, ter presojo o tem, ali je treba uvesti dodatne pravice in obveznosti glede popogodbene faze kreditnih pogodb.
Action by Member States alone is likely to result in different sets of rules, which may undermine or create new obstacles to the functioning of the internal market.
Samostojno ukrepanje držav članic bo verjetno privedlo do različnih sklopov pravil, ki utegnejo ogroziti ali ustvariti nove ovire za delovanje notranjega trga.
Since the objective of this Directive, namely the creation of an efficient and competitive internal market in credit agreements relating to residential immovable property whilst ensuring a high level of consumer protection, cannot be sufficiently achieved by Member States and can therefore, by reason of the effectiveness of the action, be better achieved at Union level, the Union may adopt measures, in accordance with the principle of subsidiarity as set out in Article 5 of the Treaty on European Union.
Ker cilja te direktive, in sicer oblikovanja učinkovitega in konkurenčnega notranjega trga kreditnih pogodb za stanovanjske nepremičnine in hkrati zagotavljanja visoke ravni varstva potrošnikov, države članice ne morejo zadovoljivo doseči in se ta cilj zaradi učinkovitosti ukrepa lažje doseže na ravni Unije, lahko Unija sprejme ukrepe v skladu z načelom subsidiarnosti iz člena 5 Pogodbe o Evropski uniji.
Member States may decide to transpose certain aspects covered by this Directive in national law by prudential law, for example the creditworthiness assessment of the consumer, while others are transposed by civil or criminal law, for example the obligations relating to responsible borrowers.
Države članice lahko sklenejo, da določene vidike, zajete v tej direktivi, na primer oceno kreditne sposobnosti potrošnika, v nacionalno zakonodajo prenesejo prek bonitetnih predpisov, medtem ko druge vidike, na primer obveznosti v zvezi z odgovornim posojilojemalcem, prenesejo z zakoni na področju boja proti goljufijam oziroma civilnim ali kazenskim pravom.
In accordance with the Joint Political Declaration of Member States and the Commission on explanatory documents of 28 September 2011 [17], Member States have undertaken to accompany, in justified cases, the notification of their transposition measures with one or more documents explaining the relationship between the components of a directive and the corresponding parts of national transposition instruments.
Države članice so se v skladu s Skupno politično izjavo z dne 28. septembra 2011 držav članic in Komisije o obrazložitvenih dokumentih [17] zavezale, da bodo uradnemu obvestilu o ukrepih za prenos v upravičenih primerih priložile enega ali več dokumentov, v katerih bo obrazloženo razmerje med elementi direktive in ustreznimi deli nacionalnih instrumentov za prenos.
With regard to this Directive, the legislator considers the transmission of such documents to be justified.
Zakonodajalec meni, da je pošiljanje takšnih dokumentov v primeru te direktive upravičeno.
The European Data Protection Supervisor delivered an opinion on 25 July 2011 [18] based on Article 28(2) of Regulation (EC) No 45/2001 of the European Parliament and of the Council of 18 December 2000 on the protection of individuals with regard to the processing of personal data by the Community institutions and bodies and on the free movement of such data [19],
Evropski nadzornik za varstvo podatkov je mnenje dal 25. julija 2011 [18] na podlagi člena 28(2) Uredbe (ES) št. 45/2001 Evropskega parlamenta in Sveta z dne 18. decembra 2000 o varstvu posameznikov pri obdelavi osebnih podatkov v institucijah in organih Skupnosti in o prostem pretoku takih podatkov [19] –
SUBJECT MATTER, SCOPE, DEFINITIONS AND COMPETENT AUTHORITIES
PREDMET UREJANJA, PODROČJE UPORABE, OPREDELITEV POJMOV IN PRISTOJNI ORGANI
This Directive lays down a common framework for certain aspects of the laws, regulations and administrative provisions of the Member States concerning agreements covering credit for consumers secured by a mortgage or otherwise relating to residential immovable property, including an obligation to carry out a creditworthiness assessment before granting a credit, as a basis for the development of effective underwriting standards in relation to residential immovable property in the Member States, and for certain prudential and supervisory requirements, including for the establishment and supervision of credit intermediaries, appointed representatives and non-credit institutions.
Ta direktiva določa skupni okvir za določene vidike zakonov in drugih predpisov držav članic glede pogodb, zavarovanih s hipoteko, ki zajemajo potrošniški kredit ali drugače zadevajo stanovanjske nepremičnine, vključno z obveznostjo, da se pred odobritvijo kredita izvede ocena kreditne sposobnosti, kot temelj za oblikovanje učinkovitih standardov za najemanje posojil v zvezi s stanovanjskimi nepremičninami v državah članicah ter določanje nekaterih bonitetnih in nadzornih zahtev, tudi glede ustanovitve in nadzora kreditnih posrednikov, imenovanih predstavnikov in nekreditnih institucij.
Level of harmonisation
Raven harmonizacije
This Directive shall not preclude Member States from maintaining or introducing more stringent provisions in order to protect consumers, provided that such provisions are consistent with their obligations under Union law.
Ta direktiva državam članicam ne preprečuje, da bi ohranile ali sprejele strožje določbe za varstvo potrošnikov, pod pogojem, da so takšne določbe skladne z njihovimi obveznostmi na podlagi prava Unije.
Notwithstanding paragraph 1, Member States shall not maintain or introduce in their national law provisions diverging from those laid down in Article 14(2) and Annex II Part A with regard to standard pre-contractual information through a European Standardised Information Sheet (ESIS) and Article 17(1) to (5), (7) and (8) and Annex I with regard to a common, consistent Union standard for the calculation of the annual percentage rate of charge (APRC).
Ne glede na odstavek 1 države članice v svojem nacionalnem pravu ne ohranijo ali uvajajo določb, ki se razlikujejo od določb iz člena 14(2) in dela A Priloge II v zvezi s standardnimi predpogodbenimi informacijami prek evropskega standardnega informativnega lista (ESIS) ter člena 17(1) do (5), (7) in (8) ter Priloge I v zvezi s skupnim usklajenim standardom Unije za izračunavanje efektivne obrestne mere.
credit agreements which are secured either by a mortgage or by another comparable security commonly used in a Member State on residential immovable property or secured by a right related to residential immovable property; and
kreditne pogodbe, zavarovane s hipoteko ali z drugim primerljivim jamstvom, ki se običajno uporablja v državi članici za stanovanjske nepremičnine, ali zavarovane s pravico na stanovanjski nepremičnini in
credit agreements the purpose of which is to acquire or retain property rights in land or in an existing or projected building.
kreditne pogodbe, katerih namen je pridobiti ali obdržati lastninske pravice na zemljiščih ali na obstoječih ali načrtovanih zgradbah.
Equity release credit agreements where the creditor:
kreditne pogodbe s poplačilom kredita iz naslova vrednosti zastavljene nepremičnine, pri katerih dajalec kredita:
contributes a lump sum, periodic payments or other forms of credit disbursement in return for a sum deriving from the future sale of a residential immovable property or a right relating to residential immovable property; and
prispeva pavšalni znesek, redna plačila ali druge oblike izplačila kredita v zameno za znesek, ki bo izhajal iz prihodnje prodaje stanovanjske nepremičnine, ali za pravico na stanovanjski nepremičnini, ter
will not seek repayment of the credit until the occurrence of one or more specified life events of the consumer, as defined by Member States, unless the consumer breaches his contractual obligations which allows the creditor to terminate the credit agreement;
ne bo zahteval vračila kredita v celoti, dokler se ne zgodi eden ali več določenih življenjskih dogodkov potrošnika, kakor jih opredelijo države članice, razen če potrošnik krši pogodbene obveznosti, kar dajalcu kredita omogoča, da prekine kreditno pogodbo;
credit agreements where the credit is granted by an employer to his employees as a secondary activity where such a credit agreement is offered free of interest or at an APRC lower than those prevailing on the market and not offered to the public generally;
kreditne pogodbe, s katerimi delodajalec v okviru sekundarne dejavnosti odobri svojim zaposlenim kredit, kadar je taka kreditna pogodba brez obresti ali z efektivnimi obrestnimi merami, nižjimi od tistih, ki prevladujejo na trgu, in ni na voljo širši javnosti;
credit agreements where the credit is granted free of interest and without any other charges except those that recover costs directly related to the securing of the credit;
kreditne pogodbe, pri katerih se kredit odobri brez obresti in brez drugih stroškov, razen tistih, ki so neposredno povezani z zavarovanjem kredita;
credit agreements which relate to the deferred payment, free of charge, of an existing debt and which do not fall within the scope of point (a) of paragraph 1.
kreditne pogodbe, ki se nanašajo na brezplačen odlog plačila obstoječega dolga in ki ne spadajo v področje uporabe točke (a) odstavka 1.
Member States may decide not to apply:
Države članice se lahko odločijo, da ne uporabijo:
Articles 11 and 14 and Annex II to credit agreements for consumers, secured by a mortgage or by another comparable security commonly used in a Member State on residential immovable property or secured by a right related to residential immovable property, the purpose of which is not to acquire or retain the right to residential immovable property, provided that the Member States apply to such credit agreements Articles 4 and 5 of and Annexes II and III to Directive 2008/48/EC;
členov 11 in 14 ter Priloge II za potrošniške kreditne pogodbe, ki so zavarovane s hipoteko ali z drugim primerljivim jamstvom, ki se običajno uporablja v državi članici za stanovanjsko nepremičnino, ali so zavarovane s pravico na stanovanjski nepremičnini in katerih namen ni pridobitev ali ohranitev pravice na stanovanjski nepremičnini, pod pogojem, da se za takšne kreditne pogodbe uporabljajo člena 4 in 5 ter prilogi I in III k Direktivi 2008/48/ES;
this Directive to credit agreements which relate to an immovable property where the credit agreement provides that the immovable property cannot at any time be occupied as a house, apartment or another place of residence by the consumer or a family member of the consumer and is to be occupied as a house, apartment or another place of residence on the basis of a rental agreement;
te direktive za kreditne pogodbe v zvezi z nepremičnino, kadar je v teh pogodbah določeno, da nepremičnina potrošniku ali družinskemu članu potrošnika v nobenem trenutku ne sme služiti kot hiša, stanovanje ali drugo bivališče in da mora služiti kot hiša, stanovanje ali drugo bivališče na podlagi pogodbe o najemu;
this Directive to credit agreements which relate to credits granted to a restricted public under a statutory provision with a general interest purpose, free of interest or at lower borrowing rates than those prevailing on the market or on other terms which are more favourable to the consumer than those prevailing on the market and at borrowing rates not higher than those prevailing on the market;
te direktive za kreditne pogodbe v zvezi s krediti, odobrenimi omejenemu krogu ljudi na podlagi zakonske določbe splošnega interesa, brez obresti ali po posojilnih obrestnih merah, ki so nižje od tistih, ki veljajo na trgu, ali pod drugimi pogoji, ki so za potrošnika ugodnejši od tistih, ki veljajo na trgu, in po posojilnih obrestnih merah, ki niso višje od tistih, ki veljajo na trgu;
this Directive to bridging loans;
te direktive za premostitvene kredite;
this Directive to credit agreements where the creditor is an organisation within the scope of Article 2(5) of Directive 2008/48/EC.
te direktive za kreditne pogodbe, pri katerih je dajalec kredita organizacija, ki spada v področje uporabe člena 2(5) Direktive 2008/48/ES.
Member States which use the option referred to in point (b) of paragraph 3 shall ensure the application of an appropriate framework at a national level for this type of credit.
Države članice, ki uporabijo možnost iz točke (b) odstavka 3, zagotovijo, da se za tovrstne kredite uporabi ustrezen okvir na nacionalni ravni.
Member States which use the option referred to in point (c) or (e) of paragraph 3 shall ensure the application of adequate alternative arrangements to ensure consumers receive timely information on the main features, risks and costs of such credit agreements at the pre-contractual stage and that advertising of such credit agreements is fair, clear and not misleading.
Države članice, ki uporabijo možnost iz točke (c) ali (e) odstavka 3, zagotovijo, da se uporabijo ustrezne alternativne ureditve kot zagotovilo, da potrošniki v predpogodbeni fazi prejmejo pravočasne informacije o glavnih značilnostih, tveganjih in stroških tovrstnih kreditnih pogodb ter da je oglaševanje teh pogodb pošteno, jasno in nezavajajoče.
‘Consumer’ means a consumer as defined in point (a) of Article 3 of Directive 2008/48/EC.
„potrošnik“ pomeni potrošnika, kakor je opredeljen v točki (a) člena 3 Direktive 2008/48/ES;
‘Creditor’ means a natural or legal person who grants or promises to grant credit falling within the scope of Article 3 in the course of his trade, business or profession.
„dajalec kredita“ pomeni fizično ali pravno osebo, ki v okviru svoje dejavnosti, poslovanja ali poklica odobri kredit, ki spada v področje uporabe iz člena 3, ali obljubi, da bo to storila;
‘Credit agreement’ means an agreement whereby a creditor grants or promises to grant, to a consumer, a credit falling within the scope of Article 3 in the form of a deferred payment, loan or other similar financial accommodation.
„kreditna pogodba“ pomeni pogodbo, s katero dajalec kredita odobri potrošniku kredit, ki spada v področje uporabe iz člena 3, v obliki odloženega plačila, posojila ali drugega podobnega finančnega dogovora ali pa obljubi, da bo to storil;
‘Ancillary service’ means a service offered to the consumer in conjunction with the credit agreement.
„pomožna storitev“ pomeni storitev, ki se ponudi potrošniku v povezavi s kreditno pogodbo;
‘Credit intermediary’ means a natural or legal person who is not acting as a creditor or notary and not merely introducing, either directly or indirectly, a consumer to a creditor or credit intermediary, and who, in the course of his trade, business or profession, for remuneration, which may take a pecuniary form or any other agreed form of financial consideration:
„kreditni posrednik“ pomeni fizično ali pravno osebo, ki ne deluje kot dajalec kredita ali notar in potrošnika ne le neposredno ali posredno predstavi dajalcu kredita ali kreditnemu posredniku ter v okviru svoje dejavnosti, poslovanja ali poklica v zameno za plačilo, ki je lahko v denarju ali kateri koli drugi dogovorjeni obliki finančnega plačila:
assists consumers by undertaking preparatory work or other pre-contractual administration in respect of credit agreements other than as referred to in point (a); or
potrošnikom pomaga s pripravljalnim delom ali drugimi predpogodbenimi administrativnimi postopki v zvezi s kreditnimi pogodbami, pri čemer to ni delo, navedeno v točki (a), ali
concludes credit agreements with consumers on behalf of the creditor.
v imenu dajalca kredita s potrošniki sklepa kreditne pogodbe;
‘Group’ means a group of creditors which are to be consolidated for the purposes of drawing up consolidated accounts, as defined in Directive 2013/34/EU of the European Parliament and of the Council of 26 June 2013 on the annual financial statements, consolidated financial statements and related reports of certain types of undertakings [20].
„skupina“ pomeni skupino dajalcev kreditov, ki se za namen sestavljanja konsolidiranih računovodskih izkazov, kakor je opredeljeno v Direktivi 2013/34/EU Evropskega parlamenta in Sveta z dne 26. junija 2013 o letnih računovodskih izkazih, konsolidiranih računovodskih izkazih in povezanih poročilih nekaterih vrst podjetij [20];
‘Tied credit intermediary’ means any credit intermediary who acts on behalf of and under the full and unconditional responsibility of:
„povezani kreditni posrednik“ pomeni kreditnega posrednika, ki deluje v imenu ter v okviru neomejene in brezpogojne odgovornosti:
only one creditor;
samo enega dajalca kredita;
only one group; or
samo ene skupine ali
a number of creditors or groups which does not represent the majority of the market.
več dajalcev kreditov ali skupin dajalcev kreditov, ki ne predstavljajo večine trga;
‘Appointed representative’ means a natural or legal person who performs activities referred to in point 5 that is acting on behalf of and under the full and unconditional responsibility of only one credit intermediary.
„imenovani predstavnik“ pomeni fizično ali pravno osebo, ki opravlja dejavnosti iz točke 5, deluje pa v imenu samo enega kreditnega posrednika, ki je neomejeno in brezpogojno odgovoren zanjo;
‘Credit institution’ means credit institution as defined in point 1 of Article 4(1) of Regulation (EU) No 575/2013.
„kreditna institucija“ pomeni kreditno institucijo, kakor je opredeljena v točki 1 člena 4(1) Uredbe (EU) št. 575/2013;
‘Non-credit institution’ means any creditor that is not a credit institution.
„nekreditna institucija“ pomeni dajalca kredita, ki ni kreditna institucija;
‘Staff’ means:
„osebje“ pomeni:
any natural person working for the creditor, or credit intermediary who is directly engaged in the activities covered by this Directive or who has contacts with consumers in the course of activities covered by this Directive;
katero koli fizično osebo, zaposleno pri dajalcu kredita ali kreditnem posredniku, ki je neposredno vključena v dejavnosti iz te direktive ali ki ima v okviru teh dejavnosti stike s potrošniki;
any natural person working for an appointed representative who has contacts with consumers in the course of activities covered by this Directive;
katero koli fizično osebo, ki je zaposlena pri imenovanem predstavniku in ima v okviru dejavnosti iz te direktive stike s potrošniki;
any natural person directly managing or supervising the natural persons referred to in points (a) and (b).
katero koli fizično osebo, ki neposredno vodi ali nadzoruje fizične osebe iz točk (a) in (b);
‘Total amount of credit’ means the total amount of credit as defined in point (l) of Article 3 of Directive 2008/48/EC.
„skupni znesek kredita“ pomeni skupni znesek kredita, kakor je opredeljen v točki (l) člena 3 Direktive 2008/48/ES;
‘Total cost of the credit to the consumer’ means the total cost of the credit to the consumer as defined in point (g) of Article 3 of Directive 2008/48/EC including the cost of valuation of property where such valuation is necessary to obtain the credit but excluding registration fees for the transfer of ownership of the immovable property.
„skupni stroški kredita za potrošnika“ pomenijo skupne stroške kredita za potrošnika, kot so opredeljeni v točki (g) člena 3 Direktive 2008/48/ES, vključno s stroški cenitve nepremičnine, kadar je takšna cenitev potrebna za pridobitev kredita, a brez pristojbin za vpis nepremične v zemljiško knjigo.