natgillin/translations-raw huggingface dataset:
If the feature contains any additional credit, then this section must explain to the consumer: the total amount of credit (including the credit secured by the mortgage or comparable security); whether the additional credit is secured or not; the relevant borrowing rates; and whether it is regulated or not.
Če posebna značilnost vključuje dodaten kredit, mora biti potrošniku v tej rubriki obrazloženo naslednje: skupni znesek kredita (vključno s kreditom, zavarovanim s hipoteko ali primerljivim jamstvom); ali je dodatni kredit zavarovan ali ne; zadevne posojilne obrestne mere; in ali je to regulirano ali ne.
Such additional credit amount shall either be included in the original creditworthiness assessment or, if it is not, this section shall make clear that the availability of the additional amount is dependent on a further assessment of the consumer’s ability to repay.
Takšen dodatni znesek kredita se vključi v prvotno oceno kreditne sposobnosti, sicer pa se v rubriki jasno navede, da je dodatni znesek na voljo le, če se ponovno oceni sposobnost potrošnika za odplačevanje kredita.
If the feature involves a savings vehicle, the relevant interest rate must be explained.
Če značilnost vsebuje kakšno obliko varčevanja, mora biti zadevna obrestna mera obrazložena.
The possible additional features are: ‘Overpayments/Underpayments’ [paying more or less than the instalment ordinarily required by the amortisation structure]; ‘Payment holidays’ [periods where the consumer is not required to make payments]; ‘Borrow back’ [ability for the consumer to borrow again funds already drawn down and repaid]; ‘Additional borrowing available without further approval’; ‘Additional secured or unsecured borrowing’ [in accordance with point 3 above]; ‘Credit card’; ‘Linked current account’; and ‘Linked savings account’.
Možne dodatne značilnosti so: „višja plačila/nižja plačila“ [plačevanje obrokov, ki so višji ali nižji od zneska obroka, ki se običajno zahteva v skladu z amortizacijsko strukturo]; „moratorij na odplačevanje“[obdobja, ko potrošniku ni treba odplačevati posojila]; „ponovna izposoja odplačil“ [potrošnik si lahko ponovno sposodi sredstva, ki so bila že črpana in odplačana]; „Dodatna posojila, ki so na voljo brez nadaljnje odobritve“; „dodatna zavarovana ali nezavarovana posojila“ [v skladu s točko 3]; „kreditna kartica“; „povezani tekoči račun“; in „povezani varčevalni račun“.
The creditor may include any other features offered by the creditor as part of the credit agreement not mentioned in previous sections.
Dajalec kredita lahko navede druge značilnosti, ki jih ponuja kot del kreditne pogodbe in niso navedene v prejšnjih rubrikah.
Section ‘11.
Rubrika „11.
Other rights of the borrower’
Druge pravice posojilojemalca“
The creditor shall clarify the right(s) of e.g. withdrawal or reflection and where applicable other rights such as, portability (including subrogation) that exist, specify the conditions to which this/these right(s) is subject, the procedure that the consumer will need to follow in order to exercise this/these right(s), inter alia, the address to which the notification of withdrawal shall be sent, and the corresponding fees (where applicable).
Dajalec kredita pojasni pravice, npr. pravico do odstopa ali razmisleka in, kadar je primerno, druge pravice, kot so prenosljivost (vključno s subrogacijo), navede pogoje za njihovo uveljavljanje, postopek, ki ga bo moral potrošnik upoštevati za uveljavitev teh pravic, med drugim naslov, na katerega se pošlje obvestilo o odstopu, in (po potrebi) ustrezne stroške.
Where a reflection period or right of withdrawal for the consumer applies this shall be clearly mentioned.
Kadar ima potrošnik pravico do obdobja za razmislek ali pravico do odstopa, se to jasno navede.
In line with Article 3 of Directive 2002/65/EC, where the transaction is being offered at a distance, the consumer shall be informed of the existence or absence of a right of withdrawal.
Pri ponujanju pogodbe na daljavo se potrošnik v skladu s členom 3 Direktive 2002/65/ES obvesti, ali ima pravico do odstopa ali ne.
Section ‘12.
Rubrika „12.
Complaints’
Pritožbe“
This Section shall indicate the internal contact point [name of the relevant department] and a means of contacting them to complain [Geographical address] or [Telephone number] or [Contact person:] [contact details] and a link to the complaints procedure on the relevant page of a website or similar information source.
V tej rubriki se navede interna kontaktna točka [ime ustreznega oddelka] in to, kako je dosegljiva za pritožbe [geografski naslov ali telefonska številka], ali [kontaktna oseba]: [kontaktni podatki] ter povezava do ustrezne spletne strani z informacijami o pritožbenem postopku ali podobnega vira informacij.
It shall indicate the name of the relevant external body for out-of-court complaints and redress and where using the internal complaint procedure is a precondition for access to that body, indicate that fact using the wording in Part A.
Navede se ime ustreznega zunanjega organa za izvensodne pritožbene postopke in druga pravna sredstva za izvensodno reševanje sporov; kadar je interni pritožbeni postopek predpogoj za dostop do tega organa, se to navede, pri čemer se uporabi besedilo iz dela A.
In the case of credit agreements with a consumer who is resident in another Member State, the creditor shall refer to the existence of FIN-NET (http://ec.europa.eu/internal_market/fin-net/).
Pri kreditnih pogodbah s potrošnikom, ki ima stalno prebivališče v drugi državi članici, dajalec kredita opozori na FIN-NET (http://ec.europa.eu/internal_market/fin-net/).
Section ‘13.
Rubrika „13.
Non-compliance with the commitments linked to the credit: consequences for the borrower’
Neizpolnjevanje obveznosti, povezanih s posojilom: posledice za posojilojemalca“
Where non-observance of any of the consumer’s obligations linked to the credit may have financial or legal consequences for the consumer, the creditor shall describe in this section the different main cases (e.g. late payments/default, failure to respect the obligations set out in Section 8 ‘Additional obligations’) and indicate where further information could be obtained.
Kadar ima lahko dejstvo, da potrošnik ne izpolnjuje katere od obveznosti, povezane s kreditom, za potrošnika finančne ali pravne posledice, dajalec kredita v tej rubriki opiše glavne možne primere (npr. zamude pri plačilih/neizpolnjevanje plačilnih obveznosti, neizpolnjevanje obveznosti iz rubrike 8 „Dodatne obveznosti“) in navede, kje je mogoče dobiti dodatne informacije.
For each of those cases, the creditor shall specify, in clear, easy comprehensible terms, the sanctions or consequences to which they may give rise.
Dajalec kredita pri vsakem primeru na jasen in lahko razumljiv način navede, kakšne so lahko kazni ali posledice zaradi neizpolnjevanja obveznosti.
Reference to serious consequences shall be highlighted.
Opozorila na resne posledice se vidno poudarijo.
Where the immovable property used to secure the credit may be returned or transferred to the creditor, if the consumer does not comply with the obligations, this section shall include a statement indicating that fact, using the wording in Part A.
Kadar se lahko nepremičnina, s katero se zavaruje kredit, povrne dajalcu kredita ali se nanj prenese, če potrošnik ne izpolnjuje obveznosti, se na to opozori v tej rubriki, za kar se uporabi besedilo iz dela A.
Section ‘14.
Rubrika „14.
Additional information’
Dodatne informacije“
In the case of distance marketing, this section will include any clause stipulating the law applicable to the credit agreement or the competent court.
V tej rubriki se navede vsaka klavzula o pravu, ki se uporablja za kreditno pogodbo, ali pristojnem sodišču.
Where the creditor intends to communicate with the consumer during the life of the contract in a language different from the language of the ESIS that fact shall be included and the language of communication named.
Kadar se namerava dajalec kredita med trajanjem pogodbe s potrošnikom sporazumevati v drugem jeziku kot jeziku, v katerem je sestavljen ESIS, je treba to omeniti in navesti jezik sporazumevanja.
This is without prejudice to point (g) of point 3 of paragraph 1 of Article 3 of Directive 2002/65/EC.
To ne posega v točko (g) točke 3 odstavka 1 člena 3 Direktive 2002/65/ES.
The creditor or credit intermediary shall state the consumer’s right to be provided with or offered, as applicable, a copy of the draft credit agreement at least once an offer binding on the creditor has been made.
Dajalec kredita ali kreditni posrednik navede, da ima potrošnik pravico, da se mu izvod osnutka kreditne pogodbe zagotovi ali ponudi, kar je primerno, najpozneje ob predložitvi ponudbe, ki je za dajalca kredita zavezujoča.
Section ‘15.
Rubrika „15.
Supervisor’
Nadzornik“
The relevant authority or authorities for the supervision of the pre-contractual stage of lending shall be indicated.
Navede se organ ali organi, pristojni za nadzor predpogodbene faze odobritve posojila.
MINIMUM KNOWLEDGE AND COMPETENCE REQUIREMENTS
MINIMALNE ZAHTEVE GLEDE ZNANJA IN USPOSOBLJENOSTI
The minimum knowledge and competence requirements for creditors’, credit intermediaries’ and appointed representatives’ staff referred to in Article 9 and for persons involved in the management of credit intermediaries or appointed representatives referred to in point (c) of Article 29(2) and Article 31(2) need to include at least:
Minimalne zahteve glede znanja in usposobljenosti osebja dajalcev kreditov, kreditnih posrednikov in imenovanih predstavnikov iz člena 9 ter oseb na vodilnih položajih pri kreditnih posrednikih ali imenovanih predstavnikih iz točke (c) člena 29(2) in iz člena 31(2) vključuje vsaj:
appropriate knowledge of credit products within the scope of Article 3 and the ancillary services typically offered with them;
ustrezno poznavanje kreditnih produktov v okviru področja uporabe člena 3 in pomožnih storitev, ki se običajno ponudijo skupaj s temi produkti;
appropriate knowledge of the laws related to the credit agreements for consumers, in particular consumer protection;
ustrezno poznavanje zakonov, povezanih s potrošniškimi kreditnimi pogodbami, zlasti varstva potrošnikov;
appropriate knowledge and understanding of the immovable property purchasing process;
ustrezno poznavanje in razumevanje postopka nakupa nepremičnine;
appropriate knowledge of security valuation;
ustrezno poznavanje jamstvenih cenitev;
appropriate knowledge of organisation and functioning of land registers;
ustrezno poznavanje organizacije in delovanja zemljiških knjig;
appropriate knowledge of the market in the relevant Member State;
ustrezno poznavanje trga v zadevni državi članici;
appropriate knowledge of business ethics standards;
ustrezno poznavanje standardov poslovne etike;
appropriate knowledge of the consumer’s creditworthiness assessment process or where applicable, competence in assessing consumers’ creditworthiness;
ustrezno poznavanje postopka ocene kreditne sposobnosti potrošnika ali po potrebi usposobljenost za ocenjevanje kreditne sposobnosti potrošnikov;
appropriate level of financial and economic competency.
ustrezno raven usposobljenosti na finančnem in gospodarskem področju.
When establishing minimum knowledge and competence requirements Member States may differentiate between the levels and types of requirements applicable to the staff of creditors, the staff of credit intermediaries or appointed representatives and the management of credit intermediaries or appointed representatives.
Države članice lahko pri določanju minimalnih zahtev glede znanja in usposobljenosti razlikujejo med ravnmi in vrstami zahtev za osebje dajalcev kreditov, kreditnih posrednikov ali imenovanih predstavnikov ter za osebe na vodilnih položajih pri kreditnih posrednikih ali imenovanih predstavnikih.
Member States shall determine the appropriate level of knowledge and competence on the basis of:
Države članice določijo ustrezno raven znanja in usposobljenosti na podlagi:
professional qualifications, e.g. diplomas, degrees, training, competency tests; or
poklicnih kvalifikacij, npr. diplom, potrdil, usposabljanja, preizkusov usposobljenosti, ali
professional experience, which may be defined as a minimum number of years working in areas related to the origination, distribution or intermediation of credit products.
poklicnih izkušenj, ki jih je mogoče opredeliti kot najmanjše število let dela na področjih, povezanih s ponujanjem, trženjem ali posredovanjem kreditnih produktov.
After 21 March 2019, the determination of the appropriate level of knowledge and competence shall not be based solely on the methods listed in point (b) of the first subparagraph.
Ugotavljanje ustrezne ravni znanja in usposobljenosti se po 21. marcu 2019 ne dokazuje le na podlagi metod iz točke (b) prvega pododstavka.
Such a transaction would require, inter alia, substantially different pre-contractual information.
Tovrsten posel bi med drugim zahteval tudi znatno drugačne predpogodbene informacije.
Furthermore, other products, such as home reversions, which have comparable functions to reverse mortgages or lifetime mortgages, do not involve the provision of credit and so would remain outside the scope of this Directive.
Poleg tega drugi produkti, kot so rentne prodaje stanovanja, ki imajo podobno funkcijo kot obratne ali doživljenjske hipoteke, ne vključujejo zagotavljanja kredita in bi torej ostali zunaj področja uporabe te direktive.
For this reason, creditors should use the method of measurement of time intervals described in Annex I to obtain the figures for the payment of charges. However, that is only applicable for the purposes of calculation of the APRC and does not impact on the amounts actually charged by the creditor under the credit agreement.
Zaradi tega bi morali dajalci kreditov pri izračunu zneskov za plačilo stroškov uporabiti metodo za merjenje časovnih intervalov, opisano v Prilogi I. Vendar to velja samo za namene izračuna efektivne obrestne mere in ne vpliva na zneske, ki jih dajalec kredita dejansko zaračuna na podlagi kreditne pogodbe.
The Commission shall be empowered to adopt delegated acts in accordance with Article 40 to amend the standard wording in Part A of Annex II or the instructions in Part B thereof to address the need for information or warnings concerning new products that were not marketed before 20 March 2014.
Komisija je pooblaščena za sprejemanje delegiranih aktov v skladu s členom 40 za spremembo standardnega besedila v delu A Priloge II ali navodil iz dela B navedene priloge, da bi rešili vprašanje potrebe po informacijah ali opozorilih v zvezi z novimi produkti, ki se niso tržili pred 20. marcem 2014.
Such delegated acts shall however not change the structure or format of the ESIS.
Takšni delegirani akti sicer ne spreminjajo strukture ali oblike ESIS.
EBA shall develop draft 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 for submission to the Commission by 21 September 2014.
EBA izdela osnutek regulativnih tehničnih standardov za določitev najnižjega denarnega zneska zavarovanja poklicne odgovornosti ali primerljivega jamstva iz prvega odstavka te točke, ki ga predloži Komisiji do 21. septembra 2014.
EBA shall review, and if necessary, develop draft regulatory technical standards to amend the minimum monetary amount of the professional indemnity insurance or comparable guarantee referred to in the first paragraph of this point for submission to the Commission for the first time by 21 March 2018 and every two years thereafter.
EBA prvič pregleda regulativne tehnične standarde 21. marca 2018, nato pa vsaki dve leti in po potrebi izdela osnutek regulativnih tehničnih standardov za spremembo najnižjega denarnega zneska zavarovanja poklicne odgovornosti ali primerljivega jamstva iz prvega odstavka te točke, ki ga predloži Komisiji;
Credit intermediaries already carrying out credit intermediation activities set out in point 5 of Article 4 before 21 March 2016 and which have not yet been admitted in accordance with the conditions set out in the national law of the home Member State transposing this Directive may continue to carry out those activities in compliance with national law until 21 March 2017.
Kreditni posredniki, ki 21. marca 2016 že opravljajo dejavnosti kreditnega posredništva iz točke 5 člena 4, vendar še niso bili sprejeti pod pogoji, določenimi v nacionalnem pravu matične države članice za prenos te direktive, lahko še naprej opravljajo te dejavnosti v skladu z nacionalnim pravom do 21. marca 2017.
Where a credit intermediary relies on this derogation it may perform the activities only within their home Member State unless it also satisfies the necessary legal requirements of the host Member States.
V primeru takšnega odstopanja lahko kreditni posrednik opravlja dejavnosti le v matični državi članici, razen če izpolnjuje tudi ustrezne pravne zahteve držav članic gostiteljic.
The Commission shall undertake a review of this Directive by 21 March 2019.
Komisija opravi pregled te direktive do 21. marca 2019.
The review shall consider the effectiveness and appropriateness of the provisions on consumers and the internal market.
V pregledu se preučita učinkovitost in primernost določb za potrošnike in notranji trg.
is the amount of drawdown k
znesek k-tega črpanja
Main features of the loan
Glavni podatki o posojilu
Amount and currency of the loan to be granted: [value][currency]
Znesek in valuta posojila: [vrednost][valuta]
[Insert amount of fee where known or basis for calculation.]
[znesek pristojbine, če je znan, ali osnova za izračun.]
The register shall be updated on a regular basis. It shall be publicly available for consultation online.
Register se redno posodablja in je javno dostopen na spletu.
In completing the ESIS, at least the following instructions shall be followed. Member States may however elaborate or further specify the instructions for completing the ESIS.
ESIS se izpolni v skladu z vsaj naslednjimi navodili: Države članice lahko dopolnijo ali natančneje opredelijo navodila za izpolnjevanje ESIS.
Interest rate [value in percentage or, where applicable, indication of a reference rate and percentage value of creditor’s spread] [Other components of the APRC]
obrestna mera [vrednost, izražena v odstotkih, ali, kjer je primerno, navedba referenčne obrestne mere in odstotne vrednosti obrestne marže dajalca kredita]
On 11 March 2013 the Council adopted an updated Common Military List of the European Union [2].
Svet je 11. marca 2013 sprejel posodobljeni skupni seznam vojaškega blaga Evropske unije [2].
Directive 2009/43/EC should therefore be amended accordingly.
Direktivo 2009/43/ES bi bilo zato treba ustrezno spremeniti.
The measures provided for in this Directive are in accordance with the opinion of the Committee on EU Transfers of Defence-related Products,
Ukrepi iz te direktive so v skladu z mnenjem Odbora za prenose obrambnih proizvodov EU –
Member States shall adopt and publish, by 12 May 2014 at the latest, the laws, regulations and administrative provisions necessary to comply with this Directive.
Države članice najpozneje do 12. maja 2014 sprejmejo in objavijo zakone in druge predpise, potrebne za uskladitev s to direktivo.
They shall apply those provisions from 17 May 2014.
Navedene predpise uporabljajo od 17. maja 2014.
OJ C 90, 27.3.2013, p. 1.
UL C 90, 27.3.2013, str. 1.
Firearms specially designed for dummy ammunition and which are incapable of discharging a projectile;
strelnega orožja, posebej zasnovanega za uporabo s slepimi naboji in iz katerega ni mogoče izstreliti izstrelka;
Firearms specially designed to launch tethered projectiles having no high explosive charge or communications link, to a range of less than or equal to 500 m.;
strelnega orožja, posebej zasnovanega za izstreljevanje vodenih izstrelkov, ki nimajo visoko eksplozivne polnitve ali komunikacijske povezave, na razdaljo manj kot ali enako 500 m.;
Weapons using non-centre fire cased ammunition and which are not of the fully automatic firing type.
orožja, pri katerem se uporablja robno tulčno strelivo in ki ni popolnoma avtomatsko.
a. Rifles and combination guns, handguns, machine, sub-machine and volley guns;
a. puške in karabinke, revolverji, brzostrelke in pištole
a. Rifles and combination guns, manufactured earlier than 1938;
a. pušk in karabink, izdelanih pred letom 1938;
b. Reproductions of rifles and combination guns, the originals of which were manufactured earlier than 1890;
b. reprodukcij mušket, pušk in karabink po izvirnikih, izdelanih pred letom 1890;
c. Handguns, volley guns and machine guns manufactured earlier than 1890, and their reproductions.
c. revolverjev, pištol in brzostrelk, izdelanih pred letom 1890, ter njihovih reprodukcij;
b. Smooth-bore weapons as follows:
b. gladkocevno orožje, in sicer:
b. does not apply to the following:
b. ne zajema:
Smooth-bore weapons manufactured earlier than 1938;
gladkocevnega orožja, izdelanega pred letom 1938;
Reproductions of smooth-bore weapons, the originals of which were manufactured earlier than 1890;
reprodukcij gladkocevnega orožja po izvirnikih, izdelanih pred letom 1890;
Smooth-bore weapons used for hunting or sporting purposes.
gladkocevnega orožja, ki se uporablja v lovske in športne namene.
These weapons must not be specially designed for military use or of the fully automatic firing type;
To orožje ne sme biti zasnovano posebej za vojaške namene niti ne sme biti pravo avtomatsko orožje.
Smooth-bore weapons specially designed for any of the following:
gladkocevno orožje, posebej zasnovano za:
Slaughtering of domestic animals;
usmrtitev domačih živali;
Tranquilizing of animals;
pomirjanje živali;
Seismic testing;
seizmološke teste;
Firing of industrial projectiles; or
izstreljevanje industrijskih izstrelkov ali
Disrupting Improvised Explosive Devices (IEDs).
motilne improvizirane eksplozivne naprave (IED).
For disruptors, see ML4. and entry 1A006 on the EU Dual-Use List.
Za motilce glej ML4.in vnos 1A006 na seznamu EU blaga z dvojno rabo.
c. Weapons using caseless ammunition;
c. orožje, pri katerem se uporablja breztulčno strelivo
d. Detachable cartridge magazines, sound suppressors or moderators, special gun-mountings, optical weapons sights and flash suppressors, for arms specified by ML1.a., ML1.b. or ML1.c.
d. snemljivi okviri za naboje, dušilci zvoka ali predrugačevalci, posebni nastavki za pritrjevanje, optične namerilne naprave in razbijala plamenov za orožje, navedeno v ML1.a., ML1.b. ali ML1.c.
d. does not apply to optical weapon sights without electronic image processing, with a magnification of 9 times or less, provided they are not specially designed or modified for military use, or incorporate any reticles specially designed for military use.
d. ne zajema optičnih namerilnih naprav za orožje brez elektronske obdelave slik s povečavo 9 ali več, če niso posebej zasnovane ali prirejene za vojaške namene oziroma nimajo nikakršnih mrežic, posebej zasnovanih za vojaške namene.
a. includes injectors, metering devices, storage tanks and other specially designed components for use with liquid propelling charges for any of the equipment specified by ML2.a.
a. vključuje injektorje, merilne naprave, hranilne posode in druge komponente, posebej zasnovane za uporabo s tekočimi pogonskimi polnitvami za opremo, navedeno v ML2.a.;
Rifles, smooth-bore weapons and combination guns, manufactured earlier than 1938;
pušk, gladkocevnega orožja in pušk kombinirk, izdelanih pred letom 1938;
Reproductions of rifles, smooth-bore weapons and combination guns, the originals of which were manufactured earlier than 1890;
reprodukcij pušk, gladkocevnega orožja in pušk kombinirk po izvirnikih, izdelanih pred letom 1890;
Guns, howitzers, cannons and mortars, manufactured earlier than 1890;
topov, havbic in minometov, izdelanih pred letom 1890;
Disrupting Improvised Explosive Devices (IEDs);
motilne improvizirane eksplozivne naprave (IED);