natgillin/translations-raw huggingface dataset:
Member States should therefore be able to exclude such credit agreements from the Directive where an appropriate national framework is in place for them.
Države članice bi torej morale imeti možnost, da tovrstne kreditne pogodbe izvzamejo iz direktive, če je zanje na voljo drug ustrezen nacionalni okvir.
Unsecured credit agreements the purpose of which is the renovation of a residential immovable property involving a total amount of credit above EUR 75000 should fall under the scope of Directive 2008/48/EC in order to ensure an equivalent level of protection to those consumers and to avoid any regulatory gap between that Directive and this Directive.
Nezavarovane kreditne pogodbe, katerih namen je obnova stanovanjske nepremičnine, ki vključuje skupni znesek kredita, večji od 75000 EUR, bi morale spadati v področje uporabe Direktive 2008/48/ES, da se zagotovi enakovredna raven varstva tistih potrošnikov in izogne vsakršni regulativni vrzeli med navedeno direktivo in to Direktivo.
Directive 2008/48/EC should therefore be amended accordingly.
Direktivo 2008/48/ES bi zato bilo treba ustrezno spremeniti.
For reasons of legal certainty, the Union legal framework in the area of credit agreements relating to residential immovable property should be consistent with and complementary to other Union acts, particularly in the areas of consumer protection and prudential supervision.
Zaradi pravne varnosti bi moral biti pravni okvir Unije na področju kreditnih pogodb za stanovanjske nepremičnine skladen z drugimi pravnimi akti Unije in jih dopolnjevati, zlasti na področju varstva potrošnikov in bonitetnega nadzora.
Certain essential definitions including the definition of ‘consumer’, and ‘durable medium’, as well as key concepts used in standard information to designate the financial characteristics of the credit, including ‘total amount payable by the consumer’ and ‘borrowing rate’ should be in line with those set out in Directive 2008/48/EC so that the same terminology refers to the same type of facts irrespective of whether the credit is a consumer credit or a credit relating to residential immovable property.
Določene temeljne opredelitve, vključno z opredelitvijo pojmov „potrošnik“ in „trajni nosilec podatkov“, ter ključni koncepti, ki se uporabljajo v standardnih informacijah za določitev finančnih značilnosti kredita, vključno s konceptoma „skupni znesek, ki ga mora plačati potrošnik“ in „posojilna obrestna mera“, bi morali biti v skladu s tistimi, določenimi v Direktivi 2008/48/ES, tako da se enaka terminologija nanaša na enake stvari, ne glede na to, ali je kredit potrošniški kredit ali kredit za stanovanjsko nepremičnino.
Member States should therefore ensure, in the transposition of this Directive, that there is consistency of application and interpretation in relation to those essential definitions and key concepts.
Države članice bi zato morale pri prenosu te direktive v nacionalno zakonodajo zagotoviti dosledno uporabo in razlago v zvezi z navedenimi temeljnimi opredelitvami in ključnimi koncepti.
In order to ensure a consistent framework for consumers in the area of credit as well as to minimise the administrative burden for creditors and credit intermediaries, the core framework of this Directive should follow the structure of Directive 2008/48/EC where possible, notably the notions that information included in advertising concerning credit agreements relating to residential immovable property be provided to the consumer by means of a representative example, that detailed pre-contractual information be given to the consumer by means of a standardised information sheet, that the consumer receives adequate explanations before concluding the credit agreement, a common basis be established for calculating the APRC excluding notary fees, and that creditors assess the consumer’s creditworthiness before providing a credit.
Da bi za potrošnike zagotovili skladen okvir na področju kreditov in da bi čim bolj zmanjšali upravno breme za dajalce kreditov in kreditne posrednike, bi moral temeljni okvir te direktive po možnosti slediti strukturi Direktive 2008/48/ES, zlasti v smislu, da bi morale biti informacije, vključene v oglaševanje kreditnih pogodb za stanovanjske nepremičnine, potrošniku zagotovljene s pomočjo reprezentativnega primera, da bi moral potrošnik podrobne predpogodbene informacije prejeti prek standardnega informativnega lista in da bi moral pred sklenitvijo kreditne pogodbe prejeti ustrezne razlage, da bi bilo treba določiti skupno podlago za izračun efektivne obrestne mere brez notarskih pristojbin in da bi morali dajalci kreditov kreditno sposobnost potrošnika oceniti pred odobritvijo kredita.
Similarly, non-discriminatory access for creditors to relevant credit databases should be ensured in order to achieve a level playing field with the provisions laid down in Directive 2008/48/EC.
Podobno bi bilo treba dajalcem kreditov zagotoviti nediskriminatoren dostop do zadevnih zbirk podatkov o kreditih, da bi bili doseženi enaki konkurenčni pogoji, določeni v Direktivi 2008/48/ES.
Similarly to Directive 2008/48/EC, this Directive should ensure the appropriate admission process and supervision of all creditors providing credit agreements relating to immovable property and should lay down requirements for the establishment of, and access to, out-of-court dispute resolution mechanisms.
Ta direktiva bi morala podobno kot Direktiva 2008/48/ES zagotoviti ustrezen sprejemni postopek in ustrezen nadzor vseh dajalcev kreditov, ki ponujajo kreditne pogodbe za nepremičnine, ter določiti zahteve glede vzpostavitve mehanizmov za izvensodno reševanje sporov in dostopa do teh mehanizmov.
This Directive should supplement Directive 2002/65/EC of the European Parliament and of the Council of 23 September 2002 concerning the distance marketing of consumer financial services [5] which requires that in distance sales a consumer be informed of the existence or absence of a right of withdrawal and provides for a right of withdrawal.
Ta direktiva bi morala dopolnjevati Direktivo Evropskega parlamenta in Sveta 2002/65/ES z dne 23. septembra 2002 o trženju finančnih storitev potrošnikom na daljavo [5], ki zahteva, da je pri prodaji blaga na daljavo potrošnik obveščen o obstoju ali neobstoju pravice do odstopa od pogodbe, in to pravico tudi določa.
However, while Directive 2002/65/EC provides for the possibility for the supplier to communicate pre-contractual information after the conclusion of the contract, this would be inappropriate for contracts for credit agreements relating to residential immovable property given the significance of the financial commitment for the consumer.
Medtem ko Direktiva 2002/65/ES določa možnost, da ponudnik sporoči predpogodbene informacije po sklenitvi pogodbe, pa to pri kreditnih pogodbah za stanovanjske nepremičnine zaradi pomembnosti finančne obveznosti za potrošnika ne bi bilo primerno.
This Directive should not affect national general contract law such as the rules on the validity, formation or effect of a contract, insofar as general contract law aspects are not regulated in this Directive.
Ta direktiva ne bi smela vplivati na nacionalno splošno pogodbeno pravo, kot so pravila o veljavnosti, sestavi ali učinku pogodbe, če vidiki splošnega pogodbenega prava niso urejeni s to direktivo.
At the same time, it is important to take into consideration the specificities of credit agreements relating to residential immovable property, which justify a differentiated approach.
Hkrati je pomembno, da se upoštevajo posebnosti kreditnih pogodb za stanovanjske nepremičnine, ki upravičujejo diferenciran pristop.
Given the nature and the possible consequences of a credit agreement relating to residential immovable property for the consumer, advertising materials and personalised pre-contractual information should include adequate specific risk warnings, for instance about the potential impact of exchange rate fluctuations on what the consumer has to repay and, where assessed as appropriate by the Member States, the nature and implications of taking out a security.
Glede na vrsto kreditne pogodbe za stanovanjske nepremičnine in morebitne posledice takšne pogodbe za potrošnika bi oglaševalsko gradivo in potrošniku prilagojene predpogodbene informacije morali vključevati ustrezna posebna opozorila o tveganjih, na primer morebitnem učinku nihanj menjalnega tečaja na znesek, ki bi ga moral odplačati potrošnik, ter – če bi države članice ocenile, da je to potrebno – naravi jamstva in posledicah njegove sklenitve.
Following what already existed as a voluntary approach by the industry concerning home loans, general pre-contractual information should be made available at all times in addition to the personalised pre-contractual information.
Na podlagi tega, kar se je v panogi na prostovoljni osnovi že izvajalo za stanovanjska posojila, bi morale biti poleg potrošniku prilagojenih predpogodbenih informacij vedno na voljo tudi splošne predpogodbene informacije.
Furthermore, a differentiated approach is justified in order to take into consideration the lessons learnt from the financial crisis and in order to ensure that credit origination takes place in a sound manner.
Poleg tega je diferenciran pristop upravičen, da se upoštevajo izkušnje iz finančne krize, s tem pa zagotovi, da je dajanje kreditov premišljeno.
In this respect, the provisions on the creditworthiness assessment should be strengthened in comparison to consumer credit, more precise information should be provided by credit intermediaries on their status and relationship with the creditors in order to disclose potential conflicts of interest, and all actors involved in the origination of credit agreements relating to immovable property should be adequately admitted and supervised.
V zvezi s tem bi bilo treba predvideti strožje določbe o oceni kreditne sposobnosti kot pri potrošniških kreditih, kreditni posredniki bi morali zagotoviti natančnejše informacije o svojem statusu in odnosih z dajalci kreditov, da se razkrijejo morebitna navzkrižja interesov, za vse akterje, ki sodelujejo pri sklepanju kreditnih pogodb za nepremičnine, pa bi bilo treba to ustrezno sprejeti in nadzorovati.
It is necessary to regulate some additional areas in order to reflect the specificity of credits related to residential immovable property.
Treba je tudi urediti nekatera dodatna področja, da bodo upoštevane posebnosti kreditov za stanovanjske nepremičnine.
Given the significance of the transaction it is necessary to ensure that consumers have sufficient time of at least seven days to consider the implications.
Glede na pomembnost posla je treba zagotoviti, da imajo potrošniki dovolj časa, tj. vsaj sedem dni, za razmislek o posledicah.
Member States should have flexibility to provide this sufficient time either as a period of reflection before the credit agreement is concluded, a period of withdrawal after the conclusion of the credit agreement or a combination of the two.
Države članice bi morale imeti možnost, da ta čas določijo kot obdobje za razmislek pred sklenitvijo kreditne pogodbe, odstopni rok po njenem podpisu ali pa kombinacijo obeh.
It is appropriate that Member States should have the flexibility to make the reflection period binding on the consumer for a period not exceeding 10 days but that in other cases consumers who wish to proceed during the reflection period are able to do so and that, in the interests of legal certainty in the context of property transactions, Member States should be able to provide that the reflection period or right of withdrawal should cease where the consumer undertakes any action which, under national law, results in the creation or transfer of a property right connected to or using funds obtained through the credit agreement or, where applicable, transfers the funds to a third party.
Primerno bi bilo, da imajo države članice možnost določiti, da je obdobje za razmislek za potrošnika zavezujoče največ deset dni, da pa lahko v drugih primerih zadeve v obdobju za razmislek napredujejo, če potrošniki to želijo; obenem bi bilo primerno, da bi imele države članice zaradi pravne varnosti v okviru nepremičninskih poslov možnost določiti, da se obdobje za razmislek izteče ali da pravica do odstopa preneha, kadar po nacionalnem pravu zaradi potrošnikovega ravnanja nastane ali se prenese lastninska pravica, povezana s sredstvi, pridobljenimi s kreditno pogodbo, ali z uporabo teh sredstev, ali, kadar je primerno, če potrošnik prenese sredstva na tretjo osebo.
Given the particular characteristics of credit agreements related to residential immovable property it is common practice for creditors to offer to consumers a set of products or services which can be purchased together with the credit agreement.
Glede na posebne značilnosti kreditnih pogodb za stanovanjske nepremičnine je za dajalce kreditov običajno, da potrošnikom ponujajo vrsto produktov ali storitev, ki jih je mogoče kupiti skupaj s kreditnimi pogodbami.
Therefore, given the significance of such agreements for consumers, it is appropriate to lay down specific rules on tying practices.
Zaradi pomena, ki ga imajo tovrstne kreditne pogodbe za potrošnika, je torej primerno, da se določijo posebna pravila o vezani prodaji.
Combining a credit agreement with one or more other financial services or products in packages is a means for creditors to diversify their offer and to compete against each other, provided that the components of the package can also be bought separately.
Dajalci kreditov, ki z združevanjem kreditne pogodbe z eno ali več drugimi finančnimi storitvami ali proizvodi oblikujejo pakete, širijo svojo ponudbo in tekmujejo med sabo, pri čemer mora biti omogočeno, da se posamezni deli paketa kupujejo tudi ločeno.
While a combination of credit agreements with one or more other financial services or products in packages can benefit consumers, it may negatively affect consumers’ mobility and their ability to make informed choices, unless the components of the package can be bought separately.
Za potrošnike utegne biti združevanje kreditnih pogodb z eno ali več drugimi finančnimi storitvami ali proizvodi v pakete sicer koristno, vendar lahko hkrati negativno vpliva na njihovo mobilnost in sposobnost premišljenega odločanja, če delov paketa ni mogoče kupiti ločeno.
It is important to prevent practices such as tying of certain products which may induce consumers to enter into credit agreements which are not in their best interest, without however restricting product bundling which can be beneficial to consumers.
Preprečiti je treba prakse, kot je vezana prodaja nekaterih produktov, zaradi katerih bi potrošniki utegnili sklepati kreditne pogodbe, ki ne bi bile v njihovem najboljšem interesu, pri čemer pa ne bi smeli omejevati paketne prodaje produktov, ki lahko koristijo potrošnikom.
Member States should however continue monitoring retail financial services markets closely to ensure that bundling practices do not distort consumer choice and competition in the market.
Države članice pa bi morale z nadaljnjim pozornim spremljanjem trgov maloprodajnih finančnih storitev zagotoviti, da paketna prodaja ne izkrivlja potrošnikove izbire in konkurence na trgu.
As a general rule, tying practices should not be allowed unless the financial service or product offered together with the credit agreement could not be offered separately as it is a fully integrated part of the credit, for example in the event of a secured overdraft.
Na splošno vezana prodaja ne bi smela biti dovoljena, razen v primeru, da finančne storitve ali produkta, ponujenega skupaj s kreditno pogodbo, ne bi bilo možno ponuditi ločeno, ker bi šlo za neločljiv del kredita, na primer zavarovane prekoračitve.
In other instances, it may however be justified for creditors to offer or sell a credit agreement in a package with a payment account, savings account, investment product or pension product, for instance where the capital in the account is used to repay the credit or is a prerequisite for pooling resources to obtain the credit, or in situations where, for instance, an investment product or a private pension product serves as an additional security for the credit.
V drugih primerih pa lahko dajalci kreditov upravičeno ponudijo ali prodajo kreditno pogodbo v paketu skupaj s plačilnim računom, varčevalnim računom, naložbenim produktom ali pokojninskim produktom, če so denimo sredstva na računu uporabljena za odplačilo kredita ali so predpogoj za pritegnitev sredstev zaradi pridobitve kredita ali če denimo naložbeni produkt ali zasebni pokojninski produkt služi kot dodatno zavarovanje kredita.
While it is justified for creditors to be able to require the consumer to have a relevant insurance policy in order to guarantee repayment of the credit or insure the value of the security, the consumer should have the opportunity to choose his own insurance provider, provided that his insurance policy has an equivalent level of guarantee as the insurance policy proposed or offered by the creditor.
Čeprav je upravičeno, da dajalci kreditov zahtevajo, da potrošnik sklene ustrezno zavarovalno polico, da zajamči odplačilo kredita ali zavaruje vrednost zavarovanja, bi potrošnik moral imeti priložnost, da izbere svojo zavarovalnico, pri čemer pa mora njegova zavarovalna polica zagotavljati enako jamstveno raven kot zavarovalna polica, ki jo predlaga ali ponuja dajalec kredita.
Moreover Member States may standardise, wholly or in part, the cover provided by insurance contracts in order to facilitate comparisons between different offers for consumers who wish to make such comparisons.
Države članice lahko v celoti ali delno standardizirajo kritje, ki ga ponujajo zavarovalne pogodbe, da bi potrošnikom, ki želijo opraviti primerjave, olajšale take primerjave med različnimi ponudbami.
It is important to ensure that the residential immovable property is appropriately valued before the conclusion of the credit agreement and, in particular where the valuation affects the residual obligation of the consumer in the event of default.
Treba je zagotoviti, da je stanovanjska nepremičnina ustrezno ocenjena pred sklenitvijo kreditne pogodbe in – zlasti če cenitev vpliva na ostanek obveznosti potrošnika – v primeru neizpolnjevanja plačilnih obveznosti.
Member States should therefore ensure that reliable valuation standards are in place.
Države članice bi morale zato zagotoviti, da so na voljo zanesljivi standardi cenitev.
In order to be considered reliable, valuation standards should take into account internationally recognised valuation standards, in particular those developed by the International Valuation Standards Committee, the European Group of Valuers’ Associations or the Royal Institution of Chartered Surveyors.
Standardi cenitev se štejejo za zanesljive, če upoštevajo mednarodno priznane standarde cenitev, zlasti tiste, ki jih je izdelal odbor za mednarodne standarde ocenjevanja vrednosti (International Valuation Standards Committee), evropska skupina združenj cenilcev (European Group of Valuers‘ Associations) ali kraljevi inštitut pooblaščenih ocenjevalcev (Royal Institution of Chartered Surveyors).
Those internationally recognised valuation standards contain high level principles which require creditors, amongst others, to adopt and adhere to adequate internal risk management and securities management processes, which include sound appraisal processes, to adopt appraisal standards and methods that lead to realistic and substantiated property appraisals in order to ensure that all appraisal reports are prepared with appropriate professional skill and diligence and that appraisers meet certain qualification requirements and to maintain adequate appraisal documentation for securities that is comprehensive and plausible.
Ti mednarodno priznani standardi cenitve vsebujejo načela, sprejeta na visoki ravni, ki od dajalcev kreditov med drugim zahtevajo, da sprejmejo in upoštevajo ustrezne interne procese za upravljanje tveganj in zavarovanj, ki bodo vključevali zanesljive cenitvene postopke, pa sprejeti morajo standarde in metode ocenjevanja, na podlagi katerih bo mogoče izdelati realne in utemeljene ocene vrednosti nepremičnin, kot zagotovilo, da bodo vsa cenitvena poročila pripravljena skrbno in z ustrezno poklicno usposobljenostjo ter da bodo cenilci izpolnjevali določene zahteve glede kvalifikacij, ter da posojilodajalci hranijo ustrezno, celovito in prepričljivo cenitveno dokumentacijo za zavarovanje.
In this regard it is desirable to ensure appropriate monitoring of residential immovable property markets and for the mechanisms in such provisions to be in line with Directive 2013/36/EU of the European Parliament and the Council of 26 June 2013 on access to the activity of credit institutions and the prudential supervision of credit institutions and investment firms [6].
V zvezi s tem je zaželeno, da se zagotovi ustrezno spremljanje trgov stanovanjskih nepremičnin in da so mehanizmi v takih določbah v skladu z Direktivo 2013/36/EU Evropskega parlamenta in Sveta z dne 26. junija 2013 o dostopu do dejavnosti kreditnih institucij in bonitetnem nadzoru kreditnih institucij in investicijskih podjetij [6].
The provisions of this Directive relating to property valuation standards can be complied with for example through law or self-regulation.
Skladnost z določbami te direktive v zvezi z s standardi cenitve nepremičnin je mogoče doseči na primer s predpisom ali samourejanjem.
Given the significant consequences for creditors, consumers and potentially financial stability of foreclosure, it is appropriate to encourage creditors to deal proactively with emerging credit risk at an early stage and that the necessary measures are in place to ensure that creditors exercise reasonable forbearance and make reasonable attempts to resolve the situation through other means before foreclosure proceedings are initiated.
Ker ima sodna razglasitev zapadlosti hipoteke občutne posledice za dajalce kreditov, potrošnike in morebiti finančno stabilnost, je primerno dajalce kreditov spodbujati, da se nastajajočega kreditnega tveganja lotevajo proaktivno že v zgodnji fazi, ter poskrbeti za sprejetje ustreznih ukrepov, s katerimi bi zagotovili, da bodo dajalci kreditov izkazovali razumno potrpežljivost in si drugače razumno prizadevali za ustrezno rešitev še pred začetkom postopka izvršbe.
Where possible, solutions should be found which take account of the practical circumstances and reasonable need for living expenses of the consumer.
Po možnosti bi bilo treba najti rešitve, ki bi upoštevale dejanski položaj potrošnika in njegove razumne potrebe glede kritja življenjskih stroškov.
Where after foreclosure proceedings outstanding debt remains, Member States should ensure the protection of minimum living conditions and put in place measures to facilitate repayment while avoiding long-term over-indebtedness.
Kadar po končanem postopku izvršbe dolgovi še niso poplačani, bi morale države članice zagotoviti zaščito minimalnih življenjskih pogojev ter sprejeti ukrepe za poenostavitev odplačevanja in ob enem preprečevanje dolgoročne prezadolženosti.
At least where the price obtained for the immovable property affects the amount owed by the consumer, Member States should encourage creditors to take reasonable steps to obtain the best efforts price for the foreclosed immovable property in the context of market conditions.
Vsaj kadar cena, dobljena za nepremičnino, vpliva na znesek, ki ga dolguje potrošnik, bi morale države članice dajalce kreditov pozvati, naj razumno ukrepajo, da bi za nepremičnino, ki je predmet izvršbe, dosegli ceno, ki bi bila v danih tržnih razmerah najboljša.
Member States should not prevent the parties to a credit agreement from expressly agreeing that the transfer of the security to the creditor is sufficient to repay the credit.
Države članice strankam kreditne pogodbe ne bi smele preprečiti, da bi se izrecno dogovorile, da bo prenos zavarovanja dajalcu kredita zadostoval za odplačilo kredita.
Intermediaries often engage in more activities than just credit intermediation, in particular insurance intermediation or investment services provision.
Posredniki se pogosto ukvarjajo z več dejavnostmi, zlasti zavarovalnim posredništvom ali zagotavljanjem investicijskih storitev, in ne le s kreditnim posredništvom.