natgillin/translations-raw huggingface dataset:
Member States shall ensure that in good time before the carrying out of any of the credit intermediation activities set out in point 5 of Article 4, the credit intermediary or appointed representative shall provide the consumer with at least the following information on paper or on another durable medium:
Države članice zagotovijo, da preden kreditni posrednik ali imenovani predstavnik opravi katero od dejavnosti kreditnega posredovanja iz točke 5 člena 4, potrošniku pravočasno na papirju ali drugem trajnem nosilcu podatkov zagotovi vsaj naslednje informacije:
the identity and the geographical address of the credit intermediary;
identiteto in geografski naslov kreditnega posrednika;
the register in which he has been included, the registration number, where applicable, and the means for verifying such registration;
register, v katerega je vpisan, kadar je primerno, številko vpisa v register ter na kakšen način je mogoče takšno registracijo preveriti;
whether the credit intermediary is tied to or works exclusively for one or more creditors.
ali je kreditni posrednik vezan na oziroma dela za izključno enega ali več dajalcev kreditov.
Where the credit intermediary is tied to or works exclusively for one or more creditors, it shall provide the names of the creditors for which it is acting.
Kadar je kreditni posrednik vezan na oziroma dela za izključno enega ali več dajalcev kreditov, navede imena dajalcev kreditov, ki jih zastopa.
The credit intermediary may disclose that it is independent where it meets the conditions laid down in accordance with Article 22(4);
Kreditni posrednik lahko izjavi, da je neodvisen, kadar izpolnjuje pogoje, določene v skladu s členom 22(4);
whether the credit intermediary offers advisory services;
ali kreditni posrednik ponuja svetovalne storitve;
the fee, where applicable, payable by the consumer to the credit intermediary for its services or where this is not possible, the method for calculating the fee;
kadar je primerno, pristojbino, ki jo potrošnik plača kreditnemu posredniku za njegove storitve, ali, kadar to ni mogoče, metodo, po kateri se bo pristojbina izračunala;
the procedures allowing consumers or other interested parties to register complaints internally about credit intermediaries and, where appropriate, the means by which recourse to out-of-court complaint and redress procedures can be sought;
postopke, ki potrošnikom ali drugim zainteresiranim stranem omogočajo vložitev internih pritožb proti kreditnim posrednikom, ter po potrebi možnosti za izvensodne pritožbene postopke in druga pravna sredstva;
where applicable, the existence and where known the amount of commissions or other inducements, payable by the creditor or third parties to the credit intermediary for their services in relation to the credit agreement.
kadar je primerno, morebitne provizije in njihove zneske, kadar so znani, ali druge spodbude, ki jih dajalec kredita ali tretje stranke plačajo kreditnemu posredniku za njegove storitve v zvezi s kreditno pogodbo.
Where the amount is not known at the time of disclosure the credit intermediary shall inform the consumer that the actual amount will be disclosed at a later stage in the ESIS.
Kadar znesek ob razkritju ni znan, kreditni posrednik potrošnika obvesti, da bo dejanski znesek naknadno razkrit v ESIS.
Credit intermediaries who are not tied but who receive commission from one or more creditors shall, at the consumer’s request, provide information on the variation in levels of commission payable by the different creditors providing the credit agreements being offered to the consumer.
Kreditni posredniki, ki niso vezani, a dobijo provizijo od enega ali več dajalcev kredita, na zahtevo potrošnika zagotovijo informacije o različnih višinah provizij, ki jim jih plačajo različni dajalci kreditov, ki zagotavljajo kreditne pogodbe, ki se ponudijo potrošniku.
The consumer shall be informed that he has the right to request such information.
Potrošnika se obvesti, da ima pravico zahtevati tovrstne informacije.
Where the credit intermediary charges a fee to the consumer and additionally receives commission from the creditor or a third party, the credit intermediary shall explain to the consumer whether or not the commission will be offset against the fee, either in part or in full.
Kadar kreditni posrednik potrošniku zaračuna pristojbino in poleg tega od dajalca kredita ali tretje stranke prejme provizijo, kreditni posrednik potrošniku pojasni, ali se bo provizija deloma ali v celoti izravnala s pristojbino.
Member States shall ensure that the fee, if any, payable by the consumer to the credit intermediary for its services is communicated to the creditor by the credit intermediary, for the purpose of calculating of the APRC.
Države članice zagotovijo, da kreditni posrednik o morebitni pristojbini, ki mu jo plača potrošnik za njegove storitve, obvesti dajalca kredita zaradi izračuna efektivne obrestne mere.
Member States shall require credit intermediaries to ensure that in addition to the disclosures required by this Article, their appointed representative discloses to the consumer the capacity in which he is acting and the credit intermediary he is representing when contacting or before dealing with any consumer.
Države članice od kreditnih posrednikov zahtevajo, da njihov imenovani predstavnik potrošniku, ko z njim naveže stik ali preden začne z njim poslovati, poleg obveznih informacij iz tega člena razkrije tudi, v kakšni vlogi deluje in katerega kreditnega zastopnika zastopa.
Adequate explanations
Ustrezna pojasnila
Member States shall ensure that creditors and, where applicable, credit intermediaries or appointed representatives provide adequate explanations to the consumer on the proposed credit agreements and any ancillary services, in order to place the consumer in a position enabling him to assess whether the proposed credit agreements and ancillary services are adapted to his needs and financial situation.
Države članice zagotovijo, da dajalci kreditov in, kadar je primerno, kreditni posredniki ali imenovani zastopniki potrošnikom zagotovijo ustrezna pojasnila k predlaganim kreditnim pogodbam in morebitnim pomožnim storitvam, da lahko potrošnik oceni, ali predlagane kreditne pogodbe in pomožne storitve ustrezajo njegovim potrebam in finančnemu položaju.
The explanations shall, where applicable, include in particular:
Kadar je primerno, pojasnila vključujejo zlasti:
the pre-contractual information to be provided in accordance with:
predpogodbene informacije, ki se zagotovijo v skladu s:
Article 14 in the case of creditors;
členom 14 v primeru dajalcev kreditov;
Articles 14 and 15 in the case of credit intermediaries or appointed representatives;
členoma 14 in 15 v primeru kreditnih posrednikov ali imenovanih predstavnikov;
the essential characteristics of the products proposed;
bistvene značilnosti predlaganih produktov;
the specific effects the products proposed may have on the consumer, including the consequences of default in payment by the consumer; and
posebne učinke, ki jih predlagani produkti lahko imajo na potrošnika, vključno s posledicami neizpolnjevanja plačilnih obveznosti, ter
where ancillary services are bundled with a credit agreement, whether each component of the bundle can be terminated separately and the implications for the consumer of doing so.
kadar so pomožne storitve združene s kreditno pogodbo, ali lahko potrošnik odstopi od vsakega dela posebej ter kakšne so v tem primeru zanj posledice.
Member States may adapt the manner by which and the extent to which the explanations referred to in paragraph 1 is given, as well as by whom it is given, to the circumstances of the situation in which the credit agreement is offered, the person to whom it is offered and the nature of the credit offered.
Države članice lahko prilagodijo način in obseg zagotavljanja pojasnil iz odstavka 1 ter tistega, ki jo zagotavlja, glede na okoliščine položaja, v katerem se ponuja kreditna pogodba, glede na to, komu se ponuja, in glede na vrsto ponujenega kredita.
Calculation of the APRC
Izračun efektivne obrestne mere
The APRC shall be calculated in accordance with the mathematical formula set out in Annex I.
Efektivna obrestna mera se izračuna v skladu z matematično formulo iz Priloge I.
The costs of opening and maintaining a specific account, of using a means of payment for both transactions and drawdowns on that account and of other costs relating to payment transactions shall be included in the total cost of credit to the consumer whenever the opening or maintaining of an account is obligatory in order to obtain the credit or to obtain it on the terms and conditions marketed.
Stroški odprtja in vodenja posameznega računa, stroški uporabe plačilnega sredstva tako za transakcije na tem računu kot črpanja z njega ter drugi stroški v zvezi s plačilnimi transakcijami se vračunajo v skupne stroške kredita za potrošnika, kadar koli je odprtje računa ali njegovo vodenje obvezno za pridobitev kredita ali za njegovo pridobitev pod ponujenimi pogoji.
The calculation of the APRC shall be based on the assumption that the credit agreement is to remain valid for the period agreed and that the creditor and the consumer will fulfil their obligations under the terms and by the dates specified in the credit agreement.
Izračun efektivne obrestne mere temelji na predpostavki, da kreditna pogodba velja za dogovorjeno obdobje ter da bosta dajalec kredita in potrošnik izpolnila svoje obveznosti pod pogoji in v rokih, določenih v kreditni pogodbi.
In the case of credit agreements containing clauses allowing variations in the borrowing rate and, where applicable, in the charges contained in the APRC but unquantifiable at the time of calculation, the APRC shall be calculated on the assumption that the borrowing rate and other charges will remain fixed in relation to the level set at the conclusion of the contract.
V primeru kreditnih pogodb s klavzulami, ki dovoljujejo spremembe posojilne obrestne mere in, kadar je primerno, stroškov, ki so zajeti v efektivni obrestni meri, vendar jih pri izračunu ni mogoče številčno izraziti, se efektivna obrestna mera izračuna ob predpostavki, da bodo posojilna obrestna mera in drugi stroški ostali fiksni v višini, določeni ob sklenitvi pogodbe.
For credit agreements for which a fixed borrowing rate is agreed in relation to the initial period of at least five years, at the end of which a negotiation on the borrowing rate takes place to agree on a new fixed rate for a further material period, the calculation of the additional, illustrative APRC disclosed in the ESIS shall cover only the initial fixed rate period and shall be based on the assumption that, at the end of the fixed borrowing rate period, the capital outstanding is repaid.
Za kreditne pogodbe z dogovorjeno fiksno posojilno obrestno mero v začetnem obdobju, ki znaša najmanj pet let, ob koncu katerega se začnejo pogajanja o posojilni obrestni meri zaradi dogovora o novi fiksni obrestni meri v naslednjem obdobju, izračun dodatne, ponazoritvene efektivne obrestne mere, razkrite v ESIS, zajema le začetno obdobje fiksne obrestne mere in temelji na predpostavki, da bo preostanek glavnice ob koncu obdobja fiksne posojilne obrestne mere odplačan.
Where the credit agreement allows for variations in the borrowing rate, Member States shall ensure that the consumer is informed of the possible impacts of variations on the amounts payable and on the APRC at least by means of the ESIS.
Kadar kreditna pogodba omogoča spremembe posojilne obrestne mere, države članice zagotovijo, da je potrošnik vsaj z ESIS obveščen o morebitnih posledicah sprememb zneskov, ki jih je treba plačati, in efektivni obrestni meri.
This shall be done by providing the consumer with an additional APRC which illustrates the possible risks linked to a significant increase in the borrowing rate.
To se stori tako, da se potrošniku predloži dodatna efektivna obrestna mera, ki ponazarja morebitna tveganja, povezana z znatnim povišanjem posojilne obrestne mere.
Where the borrowing rate is not capped, this information shall be accompanied by a warning highlighting that the total cost of the credit to the consumer, shown by the APRC, may change.
Kadar posojilna obrestna mera ni omejena, se tem informacijam priloži opozorilo, da se lahko skupni stroški kredita za potrošnika, ponazorjeni z efektivno obrestno mero, spremenijo.
This provision shall not apply to credit agreements where the borrowing rate is fixed for an initial period of at least five years, at the end of which a negotiation on the borrowing rate takes place in order to agree on a new fixed rate for a further material period, for which an additional, illustrative APRC is provided for in the ESIS.
Ta določba se ne uporablja za kreditne pogodbe, pri katerih je posojilna obrestna mera določena za začetno obdobje, ki znaša najmanj pet let, ob koncu katerega se začnejo pogajanja o posojilni obrestni meri, da bi se dogovorilo o novi fiksni obrestni meri v naslednjem obdobju, za katero je v ESIS predvidena dodatna, ponazoritvena efektivna obrestna mera.
Where applicable, the additional assumptions set out in Annex I shall be used in calculating the APRC.
Kadar je primerno, se pri izračunu efektivne obrestne mere uporabijo dodatne predpostavke, določene v Prilogi I.
The Commission shall be empowered to adopt delegated acts in accordance with Article 40 in order to amend the remarks or update the assumptions used to calculate the APRC as set out in Annex I, in particular if the remarks or assumptions set out in this Article and in Annex I do not suffice to calculate the APRC in a uniform manner or are no longer adapted to the commercial situation on the market.
Na Komisijo se prenese pooblastilo, da sprejme delegirane akte v skladu s členom 40 zato, da se spremenijo pripombe ali posodobijo predpostavke, ki se uporabljajo za izračun efektivne obrestne mere, kot je določeno v Prilogi I, zlasti če pripombe ali predpostavke iz tega člena in Priloge I ne zadostujejo za izračun efektivne obrestne mere na enoten način ali če niso več prilagojene ekonomskemu položaju na trgu.
CREDITWORTHINESS ASSESSMENT
OCENA KREDITNE SPOSOBNOSTI
Member States shall ensure that, before concluding a credit agreement, the creditor makes a thorough assessment of the consumer’s creditworthiness.
Države članice zagotovijo, da dajalec kredita pred sklenitvijo kreditne pogodbe opravi temeljito oceno kreditne sposobnosti potrošnika.
That assessment shall take appropriate account of factors relevant to verifying the prospect of the consumer to meet his obligations under the credit agreement.
Pri tej oceni se upoštevajo dejavniki, ki so pomembni za preverjanje verjetnosti, da bo potrošnik izpolnil obveznosti iz kreditne pogodbe.
Member States shall ensure that the procedures and information on which the assessment is based are established, documented and maintained.
Države članice zagotovijo, da se določijo, dokumentirajo in shranijo postopki in informacije, na katerih temelji ocena.
The assessment of creditworthiness shall not rely predominantly on the value of the residential immovable property exceeding the amount of the credit or the assumption that the residential immovable property will increase in value unless the purpose of the credit agreement is to construct or renovate the residential immovable property.
Ocena kreditne sposobnosti ne temelji v prvi vrsti na tem, da vrednost stanovanjske nepremičnine presega znesek kredita, ali na predpostavki, da bo vrednost stanovanjske nepremičnine narasla, razen če je namen kreditne pogodbe izgradnja ali obnova stanovanjske nepremičnine.
Member States shall ensure that where a creditor concludes a credit agreement with a consumer the creditor shall not subsequently cancel or alter the credit agreement to the detriment of the consumer on the grounds that the assessment of creditworthiness was incorrectly conducted.
Države članice zagotovijo, da dajalec kredita po sklenitvi kreditne pogodbe s potrošnikom te pogodbe ne more naknadno preklicati ali spremeniti v škodo potrošnika, ker je bila ocena kreditne sposobnosti napačno izvedena.
This paragraph shall not apply where it is demonstrated that the consumer knowingly withheld or falsified the information within the meaning of Article 20.
Ta odstavek se ne uporablja, kadar se izkaže, da je potrošnik zavestno zadržal ali priredil informacije v smislu člena 20.
the creditor only makes the credit available to the consumer where the result of the creditworthiness assessment indicates that the obligations resulting from the credit agreement are likely to be met in the manner required under that agreement;
dajalec kredita kredit potrošniku odobri le, kadar ocena kreditne sposobnosti pokaže, da bodo obveznosti, ki izhajajo iz kreditne pogodbe, verjetno izpolnjene tako, kot zahteva ta pogodba;
in accordance with Article 10 of Directive 95/46/EC, the creditor informs the consumer in advance that a database is to be consulted;
v skladu s členom 10 Direktive 95/46/ES dajalec kredita vnaprej obvesti potrošnika, da bo opravljena poizvedba v zbirki podatkov;
where the credit application is rejected the creditor informs the consumer without delay of the rejection and, where applicable, that the decision is based on automated processing of data.
kadar se vloga za kredit zavrne, dajalec kredita potrošnika nemudoma obvesti o zavrnitvi in, kadar je primerno, o tem, da ta odločitev temelji na avtomatski obdelavi podatkov.
Where the rejection is based on the result of the database consultation, the creditor shall inform the consumer of the result of such consultation and of the particulars of the database consulted.
Kadar je vloga zavrnjena na podlagi rezultata poizvedbe v zbirki podatkov, dajalec kredita potrošnika obvesti o rezultatu takšne poizvedbe in posreduje informacije o zbirki podatkov, v kateri je bila opravljena poizvedba.
Member States shall ensure that the consumer’s creditworthiness is re-assessed on the basis of updated information before any significant increase in the total amount of credit is granted after the conclusion of the credit agreement unless such additional credit was envisaged and included in the original creditworthiness assessment.
Države članice zagotovijo, da se kreditna sposobnost potrošnika na podlagi posodobljenih informacij ponovno oceni pred vsakim znatnim povišanjem skupnega zneska kredita po sklenitvi kreditne pogodbe, razen če je bil takšen dodatni kredit predviden in vključen v prvotno oceno kreditne sposobnosti.
This Article shall be without prejudice to Directive 95/46/EC.
Ta člen ne posega v Direktivo 95/46/ES.
Property valuation
Cenitev nepremičnin
Member States shall ensure that reliable standards for the valuation of residential immovable property for mortgage lending purposes are developed within their territory.
Države članice zagotovijo, da na svojem ozemlju oblikujejo zanesljive standarde cenitve stanovanjske nepremičnine za namene hipotekarnega posojanja.
Member States shall require creditors to ensure that those standards are used where they carry out a property valuation or to take reasonable steps to ensure that those standards are applied where a valuation is conducted by a third party.
Države članice od dajalcev kreditov zahtevajo, da te standarde uporabljajo pri cenitvi nepremičnin ali izvedejo razumne ukrepe, s katerimi zagotovijo, da se ti standardi uporabljajo, kadar cenitev izvaja tretja stranka.
Where national authorities are responsible for regulating independent appraisers who carry out property valuations they shall ensure that they comply with the national rules that are in place.
Kadar so za urejanje dejavnosti neodvisnih cenilcev, ki opravljajo cenitve nepremičnin, pristojni nacionalni organi, zagotovijo, da ti cenilci spoštujejo veljavne nacionalne predpise.
Member States shall ensure that internal and external appraisers conducting property valuations are professionally competent and sufficiently independent from the credit underwriting process so that they can provide an impartial and objective valuation, which shall be documented in a durable medium and of which a record shall be kept by the creditor.
Države članice zagotovijo, da so notranji in zunanji cenilci, ki opravljajo cenitve nepremičnin, strokovno usposobljeni in dovolj neodvisni od postopka odobritve kredita, da lahko zagotovijo nepristransko in objektivno cenitev, ki se zabeleži na trajnem nosilcu in o kateri dajalec kredita hrani zapis.
Disclosure and verification of consumer information
Razkritje in preverjanje informacij o potrošniku
The assessment of creditworthiness referred to in Article 18 shall be carried out on the basis of information on the consumer’s income and expenses and other financial and economic circumstances which is necessary, sufficient and proportionate.
Ocena kreditne sposobnosti iz člena 18 se izvede na podlagi potrebnih, zadostnih in sorazmernih informacij o prihodkih in izdatkih potrošnika ter drugih finančnih in ekonomskih okoliščinah.
The information shall be obtained by the creditor from relevant internal or external sources, including the consumer, and including information provided to the credit intermediary or appointed representative during the credit application process.
Dajalec kredita informacije pridobi od drugih ustreznih notranjih ali zunanjih virov, vključno od potrošnika, in vključno z informacijami, ki jih kreditnemu posredniku ali imenovanemu predstavniku predloži v okviru vloge za kredit.
The information shall be appropriately verified, including through reference to independently verifiable documentation when necessary.
Informacije se ustrezno preverijo, po potrebi tudi na podlagi neodvisno preverljive dokumentacije.
Member States shall ensure that credit intermediaries or appointed representatives accurately submit the necessary information obtained from the consumer to the relevant creditor to enable the creditworthiness assessment to be carried out.
Države članice zagotovijo, da kreditni posredniki ali imenovani predstavniki potrebne informacije, ki jih pridobijo od potrošnika, pravilno predložijo ustreznemu dajalcu kredita, da mu omogočijo izvedbo ocene kreditne sposobnosti.
Member States shall ensure that creditors specify in a clear and straightforward way at the pre-contractual phase the necessary information and independently verifiable evidence that the consumer needs to provide and the timeframe within which the consumer needs to provide the information.
Države članice zagotovijo, da dajalci kreditov v predpogodbeni fazi jasno in na enostaven način določijo potrebne informacije in neodvisno preverljiva dokazila, ki jih mora zagotoviti potrošnik, ter časovni okvir, v katerem mora potrošnik zagotoviti te informacije.
Such request for information shall be proportionate and limited to what is necessary to conduct a proper creditworthiness assessment.
Takšne zahteve po informacijah so sorazmerne in omejene na tisto, kar je potrebno za izvedbo pravilne ocene kreditne sposobnosti.
Member States shall allow creditors to seek clarification of the information received in response to that request where necessary to enable the assessment of creditworthiness.
Države članice dajalcem kreditov omogočijo, da po potrebi zahtevajo pojasnilo glede informacij, predloženih na to zahtevo, da omogočijo oceno kreditne sposobnosti.
Member States shall not allow a creditor to terminate the credit agreement on the grounds that the information provided by the consumer before the conclusion of the credit agreement was incomplete.
Države članice dajalcu kredita ne dovolijo prekiniti kreditne pogodbe iz razloga, da so bile informacije, ki jih je potrošnik predložil pred sklenitvijo kreditne pogodbe, nepopolne.
The second subparagraph shall not prevent Member States from allowing the termination of the credit agreement by the creditor where it is demonstrated that the consumer knowingly withheld or falsified the information.
Drugi pododstavek državam članicam ne preprečuje, da bi dajalcu kredita omogočile prekinitev kreditne pogodbe, kadar se izkaže, da je potrošnik zavestno zadržal ali priredil informacije.