natgillin/translations-raw huggingface dataset:
As a result, the G20 has commissioned work from the Financial Stability Board to establish principles on sound underwriting standards in relation to residential immovable property.
Zato je skupina G20 Odboru za finančno stabilnost naročila, naj določi načela o zanesljivih standardih za najemanje posojil v zvezi s stanovanjskimi nepremičninami.
Although some of the greatest problems in the financial crisis occurred outside the Union, consumers within the Union hold significant levels of debt, much of which is concentrated in credits related to residential immovable property.
Čeprav so se nekatere največje težave v zvezi s finančno krizo pojavile zunaj Unije, imajo potrošniki v Uniji znatne ravni dolga, od katerega je mnogo zbranega v kreditih, povezanih s stanovanjskimi nepremičninami.
It is therefore appropriate to ensure that the Union’s regulatory framework in this area is robust, consistent with international principles and makes appropriate use of the range of tools available, which may include the use of loan-to-value, loan-to-income, debt-to-income or similar ratios, minimum levels below which no credit would be deemed acceptable or other compensatory measures for the situations where the underlying risks are higher to consumers or where needed to prevent household over-indebtedness.
Zato je ustrezno zagotoviti, da je regulativni okvir Unije na tem področju stabilen in skladen z mednarodnimi načeli ter da pravilno uporablja vrsto razpoložljivih instrumentov, kar lahko vključuje razmerje med posojilom in vrednostjo nepremičnine, posojilom in dohodkom, dolgom in dohodkom ali podobna razmerja, minimalne ravni, pod katerimi noben kredit ne bi štel za sprejemljivega, ali druge nadomestne ukrepe za primere, v katerih bi bila zadevna tveganja za potrošnike večja, ali po potrebi za preprečevanje prezadolženosti gospodinjstev.
In view of the problems brought to light in the financial crisis and with a view to ensuring an efficient and competitive internal market which contributes to financial stability, the Commission has proposed, in its Communication of 4 March 2009 entitled ‘Driving European recovery’, measures with regard to credit agreements relating to residential immovable property, including a reliable framework on credit intermediation, in the context of delivering responsible and reliable markets for the future and restoring consumer confidence.
Komisija je glede na težave, ki jih je osvetlila finančna kriza, ter z namenom zagotavljanja učinkovitega in konkurenčnega notranjega trga, ki bo prispeval k finančni stabilnosti, v sporočilu z dne 4. marca 2009 z naslovom „Spodbujanje okrevanja evropskega gospodarstva“ predlagala ukrepe v zvezi s kreditnimi pogodbami za stanovanjske nepremičnine, vključno z zanesljivim okvirom za kreditno posredništvo, da bi bili v prihodnosti vzpostavljeni odgovorni in zanesljivi trgi ter da bi se povrnilo zaupanje potrošnikov.
The Commission reaffirmed its commitment to an efficient and competitive internal market in its Communication of 13 April 2011 entitled ‘Single Market Act: Twelve levers to boost growth and strengthen confidence’.
Komisija je zavezanost učinkovitemu in konkurenčnemu notranjemu trgu potrdila v sporočilu z dne 13. aprila 2011 z naslovom „Akt za enotni trg: Dvanajst pobud za okrepitev rasti in zaupanja“.
A series of problems have been identified in mortgage markets within the Union relating to irresponsible lending and borrowing and the potential scope for irresponsible behaviour by market participants including credit intermediaries and non-credit institutions.
Ugotovljena je bila vrsta problemov na hipotekarnih trgih v Uniji v zvezi z neodgovornim dajanjem in najemanjem posojil ter morebitnimi možnostmi za neodgovorno ravnanje tržnih udeležencev, tudi kreditnih posrednikov in nekreditnih institucij.
Some problems concerned credits denominated in a foreign currency which consumers had taken out in that currency in order to take advantage of the borrowing rate offered but without having adequate information about or understanding of the exchange rate risk involved.
Nekatere težave so se nanašale na kredite, denominirane v tuji valuti, ki so jih potrošniki najeli v zadevni valuti, da bi izkoristili ponujeno posojilno obrestno mero, pri čemer pa niso bili ustrezno obveščeni o tveganju, povezanem z menjalnim tečajem, ali ga niso ustrezno razumeli.
Those problems are driven by market and regulatory failures as well as other factors such as the general economic climate and low levels of financial literacy.
Vzrok za te težave so nedelovanje trga in regulativna neučinkovitost ter drugi dejavniki, kot so splošne gospodarske razmere in nizka raven finančne pismenosti.
Other problems include ineffective, inconsistent, or non-existent regimes for credit intermediaries and non-credit institutions providing credit for residential immovable property.
Druge težave zajemajo sisteme za kreditne posrednike in nekreditne institucije, ki ponujajo kredite za stanovanjske nepremičnine, in sicer so ti sistemi neučinkoviti, neusklajeni ali sploh ne obstajajo.
The problems identified have potentially significant macroeconomic spill-over effects, can lead to consumer detriment, act as economic or legal barriers to cross-border activity and create an unlevel playing field between actors.
Ugotovljene težave lahko imajo znatne makroekonomske učinke prelivanja, povzročajo škodo potrošnikom, pomenijo gospodarske ali pravne ovire pri čezmejnih dejavnostih in ustvarjajo neenake konkurenčne pogoje med akterji.
In order to facilitate the emergence of a smoothly functioning internal market with a high level of consumer protection in the area of credit agreements relating to immovable property and in order to ensure that consumers looking for such agreements are able to do so confident in the knowledge that the institutions they interact with act in a professional and responsible manner, an appropriately harmonised Union legal framework needs to be established in a number of areas, taking into account differences in credit agreements arising in particular from differences in national and regional immovable property markets.
Da bi omogočili nemoteno delovanje notranjega trga kreditnih pogodb za nepremičnine z visoko ravnjo varstva potrošnikov in zagotovili, da lahko potrošniki, ki to želijo, sklenejo tovrstne pogodbe z zaupanjem, da institucije, s katerimi sodelujejo, ravnajo strokovno in odgovorno, je treba na več področjih vzpostaviti ustrezno harmoniziran pravni okvir na ravni Unije, pri tem pa upoštevati razlike med kreditnimi pogodbami, ki so zlasti posledica razhajanj med nacionalnimi in regionalnimi trgi nepremičnin.
This Directive should therefore develop a more transparent, efficient and competitive internal market, through consistent, flexible and fair credit agreements relating to immovable property, while promoting sustainable lending and borrowing and financial inclusion, and hence providing a high level of consumer protection.
S to direktivo naj bi zato na podlagi doslednih, prilagodljivih in pravičnih kreditnih pogodb za nepremičnine razvili preglednejši, učinkovitejši in bolj konkurenčen notranji trg, hkrati pa spodbujali vzdržno dajanje in najemanje posojil ter finančno vključenost in posledično zagotavljali visoko raven varstva potrošnikov.
In order to create a genuine internal market with a high and equivalent level of consumer protection, this Directive lays down provisions subject to maximum harmonisation in relation to the provision of pre-contractual information through the European Standardised Information Sheet (ESIS) standardised format and the calculation of the APRC.
Da bi vzpostavili pravi notranji trg z visoko in enakovredno ravnjo varstva potrošnikov, so v tej direktivi navedene določbe, ki bodo v zvezi z zagotavljanjem predpogodbenih informacij prek standardizirane oblike evropskega standardnega informativnega lista (ESIS) in izračunom efektivne obrestne mere čim bolj harmonizirane.
However, taking into account the specificity of credit agreements relating to immovable property and differences in market developments and conditions in Member States, concerning in particular market structure and market participants, categories of products available and procedures involved in the credit granting process, Member States should be allowed to maintain or introduce more stringent provisions than those laid down in this Directive in those areas not clearly specified as being subject to maximum harmonisation.
Ob upoštevanju posebnosti kreditnih pogodb za nepremičnine ter razlik v premikih in razmerah na trgu posameznih držav članic, zlasti v zvezi s tržno strukturo in udeleženci na trgih, kategorijami razpoložljivih produktov in postopki za odobritev kredita, bi državam članicam morali omogočiti, da na področjih, za katera ni jasno določeno, da so predmet čim večje harmonizacije, ohranijo ali uvedejo določbe, ki so strožje od določb v tej direktivi.
Such a targeted approach is necessary in order to avoid adversely affecting the level of protection of consumers relating to credit agreements in the scope of this Directive.
Takšen ciljno usmerjen pristop je potreben, da ne bi negativno vplivali na raven varstva potrošnikov v zvezi s kreditnimi pogodbami za nepremičnine iz področja uporabe te direktive.
Member States should, for example, be allowed to maintain or introduce more stringent provisions with regard to knowledge and competence requirements for staff and instructions for completing the ESIS.
Države članice bi na primer morale imeti možnost, da ohranijo ali uvedejo strožje določbe glede zahtev po znanju in usposobljenosti osebja ter navodil za izpolnjevanje ESIS.
This Directive should improve conditions for the establishment and functioning of the internal market through the approximation of Member States’ laws and the establishment of quality standards for certain services, in particular with regard to the distribution and provision of credit through creditors and credit intermediaries and the promotion of good practices.
Ta direktiva bi morala s približevanjem zakonov držav članic in določitvijo standardov kakovosti za nekatere storitve, zlasti kar zadeva trženje kreditov ter njihovo zagotavljanje prek dajalcev kreditov in kreditnih posrednikov, ter s spodbujanjem dobre prakse izboljšati pogoje za vzpostavitev in delovanje notranjega trga.
The establishment of quality standards for services for the provision of credit necessarily involves the introduction of certain provisions regarding admission, supervision and prudential requirements.
Določitev standardov kakovosti za storitve, povezane z dajanjem kreditov, nujno vključuje uvedbo nekaterih določb glede sprejemnih, nadzornih in bonitetnih zahtev.
For those areas not covered by this Directive, Member States are free to maintain or introduce national law.
Za področja, ki jih ta direktiva ne zajema, je državam članicam dovoljeno, da obdržijo ali uvedejo nacionalno pravo.
In particular, Member States may maintain or introduce national provisions in areas such as contract law relating to the validity of credit agreements, property law, land registration, contractual information and, to the extent that they are not regulated in this Directive, post-contractual issues.
Zlasti lahko države članice obdržijo ali sprejmejo nacionalne določbe na področjih, kot so pogodbeno pravo v zvezi z veljavnostjo kreditnih pogodb, stvarno pravo, vpis v zemljiško knjigo, pogodbene informacije in popogodbena vprašanja, če niso urejena v tej direktivi.
Member States may provide that the appraiser or appraisal company or notaries may be chosen by mutual agreement of the parties.
Države članice lahko določijo, da se cenilca ali podjetje za cenitve ali notarje lahko izbere po dogovoru med strankami.
Given the differences between the processes for the purchase or sale of residential immovable property in the Member States, there is scope for creditors or credit intermediaries to seek to receive payments in advance from consumers on the understanding that such payments could help to secure the conclusion of a credit agreement or the purchase or sale of an immovable property, and for such practices to be misused in particular where consumers are unfamiliar with the requirements and usual practice in that Member State.
Glede na to, da imajo države članice različne postopke za nakup ali prodajo stanovanjske nepremičnine, lahko dajalci kreditov ali kreditni posredniki od potrošnika zahtevajo vnaprejšnje plačilo – pri čemer naj bi tovrstna plačila pomagala zagotoviti sklenitev kreditne pogodbe oziroma nakup ali prodajo nepremičnine –, lahko pa pride tudi do zlorabe tovrstnih praks, zlasti če potrošniki ne poznajo zahtev in običajnih praks v določeni državi članici.
It is therefore appropriate to allow Member States to impose restrictions on such payments.
Zato je primerno, da se državam članicam omogoči, da uvedejo omejitve za tovrstna plačila.
This Directive should apply irrespective of whether the creditor or credit intermediary is a legal person or a natural person.
Ta direktiva bi se morala uporabljati ne glede na to, ali je dajalec kredita oziroma kreditni posrednik pravna ali fizična oseba.
However, this Directive should not affect the right of Member States to limit, in conformity with Union law, the role of creditor or credit intermediary under this Directive to legal persons only or to certain types of legal persons.
Ta direktiva pa ne bi smela vplivati na pravico držav članic, da v skladu s pravom Unije vlogo dajalca kredita ali kreditnega posrednika po tej direktivi dodelijo samo pravnim osebam ali določenim oblikam pravnih oseb.
Since consumers and enterprises are not in the same position, they do not need the same level of protection.
Ker potrošniki in podjetja niso v enakem položaju, ne potrebujejo enake ravni varstva.
While it is important to guarantee the rights of consumers by means of provisions that cannot be derogated from by contract, it is reasonable to allow enterprises and organisations to enter into other agreements.
Čeprav je pomembno, da se pravice potrošnikov zavarujejo z določbami, od katerih pogodbeno ni mogoče odstopati, je smiselno, da se podjetjem in organizacijam dovoli sklepanje drugih pogodb.
The definition of consumer should cover natural persons who are acting outside their trade, business or profession.
Opredelitev pojma potrošnik bi morala zajeti fizične osebe, ki delujejo zunaj svoje dejavnosti, poslovanja ali poklica.
However, in the case of dual purpose contracts, where the contract is concluded for purposes partly within and partly outside the person’s trade, business or profession and the trade, business or professional purpose is so limited as not to be predominant in the overall context of the contract, that person should also be considered as a consumer.
Pri pogodbah z dvojnim namenom, kadar je pogodba sklenjena za namene, ki so deloma znotraj in deloma zunaj okvira dejavnosti, poslovanja ali poklica neke osebe, in je na dejavnost, poslovanje ali poklic nanašajoči se namen tako omejen, da ne prevladuje v celotnem kontekstu pogodbe, pa bi tudi ta oseba morala veljati za potrošnika.
While this Directive regulates credit agreements which solely or predominantly relate to residential immovable property, it does not prevent Member States from extending the measures taken in accordance with this Directive to protect consumers in relation to credit agreements related to other forms of immovable property, or from otherwise regulating such credit agreements.
Čeprav ta direktiva ureja kreditne pogodbe, ki zadevajo zgolj ali pretežno stanovanjske nepremičnine, državam članicam ne preprečuje, da bi ukrepe, sprejete v skladu s to direktivo, razširile tako, da bi zajemali varstvo potrošnikov v zvezi s kreditnimi pogodbami tudi za druge vrste nepremičnin, ali da bi drugače urejale tovrstne kreditne pogodbe.
The definitions set out in this Directive determine the scope of harmonisation.
Opredelitve pojmov iz te direktive določajo obseg harmonizacije.
The obligations of Member States to transpose this Directive should therefore be limited to its scope as determined by those definitions.
Obveznost držav članic, da prenesejo to direktivo, bi torej morala biti omejena na njeno področje uporabe, kakor je določeno v teh opredelitvah pojmov.
For instance, the obligations of Member States to transpose this Directive are limited to credit agreements concluded with consumers, meaning with natural persons who, in transactions covered by this Directive, are acting outside their trade, business or profession.
Obveznosti držav članic, da prenesejo določbe te direktive, so denimo omejene na kreditne pogodbe, sklenjene s potrošniki, to je s fizičnimi osebami, ki pri poslih, zajetih v tej direktivi, delujejo zunaj svoje dejavnosti, poslovanja ali poklica.
Similarly, Member States are obliged to transpose provisions of this Directive regulating the activity of persons acting as credit intermediary as defined in the Directive.
Podobno morajo države članice prenesti določbe te direktive, ki urejajo dejavnost oseb, ki delujejo kot kreditni posredniki, kakor so opredeljeni v direktivi.
However, this Directive should be without prejudice to the application by Member States, in accordance with Union law, of this Directive to areas not covered by its scope.
Ta direktiva pa držav članic ne bi smela ovirati pri uporabi te direktive v skladu s pravom Unije na področjih, ki niso zajeta v njenem področju uporabe.
In addition, the definitions set out in this Directive should be without prejudice to the possibility for Member States to adopt sub-definitions under national law for specific purposes, provided that they are still compliant with the definitions set out in this Directive.
Poleg tega opredelitve pojmov iz te direktive ne bi smele vplivati na možnost, da države članice v nacionalni zakonodaji za posebne namene sprejmejo podrobnejše opredelitve pojmov, pod pogojem, da so te opredelitve pojmov še vedno skladne z opredelitvami pojmov iz te direktive.
For example, Member States should be allowed to determine under national law sub-categories of credit intermediaries that are not identified in this Directive, where such sub-categories are necessary at national level for instance to differentiate the level of knowledge and competence requirements to be fulfilled by the different credit intermediaries.
Tako bi državam članicam morali na primer omogočiti, da v nacionalni zakonodaji določijo podkategorije kreditnih posrednikov, ki v tej direktivi niso navedeni, kadar so te podkategorije na nacionalni ravni potrebne, da se na primer razmejijo zahteve glede ravni znanja in usposobljenosti, ki jih morajo izpolnjevati različni kreditni posredniki.
The objective of this Directive is to ensure that consumers entering into credit agreements relating to immovable property benefit from a high level of protection.
Cilj te direktive je zagotoviti, da se zagotovi visoka raven varstva potrošnikov, ki sklepajo kreditne pogodbe za nepremičnine.
It should therefore apply to credits secured by immovable property regardless of the purpose of the credit, refinancing agreements or other credit agreements that would help an owner or part owner continue to retain rights in immovable property or land and credits which are used to purchase an immovable property in some Member States including credits that do not require the reimbursement of the capital or, unless Member States have an adequate alternative framework in place, those whose purpose is to provide temporary financing between the sale of one immovable property and the purchase of another, and to secured credits for the renovation of residential immovable property.
Zato bi se morala uporabljati za kredite, ki so zavarovani z nepremičninami, ne glede na namen kredita, za pogodbe za refinanciranje ali druge kreditne pogodbe, s katerimi bi lahko lastnik ali delni lastnik tudi v prihodnje ohranil lastništvo nad nepremičnino ali zemljiščem, in za kredite, ki se uporabljajo za nakup nepremičnine v nekaterih državah članicah, vključno s krediti, ki ne zahtevajo odplačila glavnice, ali – v primeru, da države članice nimajo na voljo ustreznega alternativnega okvira – posojili, katerih namen je zagotoviti začasno financiranje med prodajo ene nepremičnine in nakupom druge, ter za zavarovane kredite za obnovo stanovanjske nepremičnine.
This Directive should not apply to certain credit agreements where the creditor contributes a lump sum, periodic payments or other forms of credit disbursement in return for a sum deriving from the sale of an immovable property and whose primary objective is to facilitate consumption, such as equity release products or other equivalent specialised products.
Ta direktiva se ne bi smela uporabljati za določene kreditne pogodbe, pri katerih dajalec kredita prispeva pavšalne zneske, redna plačila ali druge oblike izplačila kredita v zameno za znesek, ki izhaja iz prodaje stanovanjske nepremičnine, in katerih temeljni cilj je olajšati potrošnjo, kot so produkti za poplačilo kredita iz naslova vrednosti zastavljene nepremičnine ali drugi enakovredni specializirani produkti.
Such credit agreements have specific characteristics which are beyond the scope of this Directive.
Tovrstne kreditne pogodbe imajo posebne značilnosti, ki presegajo področje uporabe te direktive.
An assessment of the consumer’s creditworthiness, for example, is irrelevant since the payments are made from the creditor to the consumer rather than the other way round.
Ocena kreditne sposobnosti potrošnika na primer ni pomembna, saj dajalec kredita plačuje potrošniku in ne obratno.
This Directive should not cover other explicitly listed types of niche credit agreements, that are different in their nature and risks involved from standard mortgage credits and therefore require a tailored approach, in particular credit agreements which are the outcome of a settlement reached in court or before another statutory authority, and certain types of credit agreements where the credit is granted by an employer to his employees under certain circumstances, as already provided in Directive 2008/48/EC of the European Parliament and of the Council of 23 April 2008 on credit agreements for consumers [4].
Ta direktiva ne bi smela zajemati drugih izrecno navedenih vrst nišnih kreditnih pogodb, ki so po naravi in zadevnih tveganjih drugačne od običajnih hipotekarnih kreditov in torej terjajo prilagojen pristop, zlasti kreditne pogodbe, ki so rezultat poravnave, dosežene na sodišču ali pred drugim zakonsko določenim organom, in določene vrste kreditnih pogodb, pri katerih delodajalec v določenih okoliščinah odobri kredit svojim zaposlenim, kakor je že določeno v Direktivi 2008/48/ES Evropskega parlamenta in Sveta z dne 23. aprila 2008 o potrošniških kreditnih pogodbah [4].
It is appropriate to allow Member States to exclude certain credit agreements, such as those which are granted to a restricted public on advantageous terms or provided by credit unions, provided that adequate alternative arrangements are in place to ensure that policy objectives relating to financial stability and the internal market can be met without impeding financial inclusion and access to credit.
Primerno je, da se državam članicam dovoli, da izvzamejo nekatere kreditne pogodbe, kot so tiste, ki se odobrijo omejenemu krogu ljudi pod ugodnimi pogoji ali ki jih ponujajo kreditne zadruge, pod pogojem, da so na voljo druge ustrezne ureditve za zagotovitev, da bo politične cilje v zvezi s finančno stabilnostjo in notranjim trgom mogoče izpolniti, ne da bi bila ovirana finančna vključenost in dostopnost do kreditov.
Credit agreements where 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 and is occupied as a house, apartment or another place of residence on a basis of a rental agreement, have risks and features that are different from standard credit agreements and therefore may require a more adapted framework.
Kreditne pogodbe, pri katerih nepremičnina ne sme služiti kot hiša, stanovanje ali drugo bivališče potrošniku ali družinskemu članu potrošnika, temveč služi kot hiša, stanovanje ali drugo bivališče na podlagi pogodbe o najemu, so po tveganjih in značilnostih drugačne od običajnih kreditnih pogodb, torej je zanje morebiti potreben bolj prilagojen okvir.