natgillin/translations-raw huggingface dataset:
Member States shall have measures in place to ensure that consumers are aware of the need to provide correct information in response to the request referred to in the first subparagraph of paragraph 3 and that such information is as complete as necessary to conduct a proper creditworthiness assessment.
Države članice sprejmejo ukrepe, s katerimi zagotovijo, da se potrošniki zavedajo, da morajo na zahtevo iz prvega pododstavka odstavka 3 predložiti pravilne informacije ter da morajo biti takšne informacije čim popolnejše, da se lahko izvede ustrezna ocena kreditne sposobnosti.
The creditor, credit intermediary or appointed representative shall warn the consumer that, where the creditor is unable to carry out an assessment of creditworthiness because the consumer chooses not to provide the information or verification necessary for an assessment of creditworthiness, the credit cannot be granted.
Dajalec kredita, kreditni posrednik ali imenovani predstavnik potrošnika opozori, da v primeru, ko dajalec kredita ne more opraviti ocene kreditne sposobnosti, ker se potrošnik odloči, da ne bo predložil informacij ali dokazov o preverjanju, potrebnih za oceno kreditne sposobnosti, kredita ni mogoče odobriti.
That warning may be provided in a standardised format.
To opozorilo se lahko posreduje v standardizirani obliki.
This Article shall be without prejudice to Directive 95/46/EC, in particular Article 6 thereof.
Ta člen ne posega v Direktivo 95/46/ES, zlasti v njen člen 6.
Each Member State shall ensure access for all creditors from all Member States to databases used in that Member State for assessing the creditworthiness of consumers and for the sole purpose of monitoring consumers’ compliance with the credit obligations over the life of the credit agreement.
Vsaka država članica vsem dajalcem kreditov iz vseh držav članic zagotovi dostop do zbirk podatkov, ki se v zadevni državi članici uporabljajo, da se oceni kreditna sposobnost potrošnikov in le z namenom spremljanja njihovega izpolnjevanja kreditnih obveznosti med trajanjem kreditne pogodbe.
The conditions for such access shall be non-discriminatory.
Pogoji za takšen dostop so nediskriminatorni.
Paragraph 1 shall apply both to databases which are operated by private credit bureaux or credit reference agencies and to public registers.
Odstavek 1 se uporablja za zbirke podatkov, ki jih upravljajo zasebni kreditni uradi ali agencije za poročanje o boniteti potrošnikov, in javne registre.
ADVISORY SERVICES
SVETOVALNE STORITVE
Standards for advisory services
Standardi svetovalnih storitev
Member States shall ensure that the creditor, credit intermediary or appointed representative explicitly informs the consumer, in the context of a given transaction, whether advisory services are being or can be provided to the consumer.
Države članice zagotovijo, da dajalec kredita, kreditni posrednik ali imenovani predstavnik potrošnika v okviru določenega posla izrecno obvesti, ali so mu zagotovljene oziroma ali so mu lahko zagotovljene svetovalne storitve.
Member States shall ensure that before the provision of advisory services or, where applicable, the conclusion of a contract for the provision of advisory services, the creditor, credit intermediary or appointed representative provides the consumer with the following information on paper or another durable medium:
Države članice zagotovijo, da dajalec kredita, kreditni posrednik ali imenovani predstavnik pred opravljanjem svetovalnih storitev ali, kadar je primerno, pred sklenitvijo pogodbe o svetovalnih storitvah potrošniku na papirju ali drugem trajnem nosilcu zagotovi naslednje informacije:
whether the recommendation will be based on considering only their own product range in accordance with point (b) of paragraph 3 or a wide range of products from across the market in accordance with point (c) of paragraph 3 so that the consumer can understand the basis on which the recommendation is made;
ali bo priporočilo temeljilo na preučitvi zgolj njegovega nabora produktov v skladu s točko (b) odstavka 3 ali širokega nabora s celega trga v skladu s točko (c) odstavka 3, tako da je potrošniku jasno, na čem temelji priporočilo;
where applicable, the fee payable by the consumer for the advisory services or, where the amount cannot be ascertained at the time of disclosure, the method used for its calculation.
kadar je primerno, pristojbino, ki jo potrošnik plača za svetovalne storitve, ali metodologijo, uporabljeno za njen izračun, kadar ob razkritju ni mogoče določiti njenega zneska.
The information referred to in points (a) and (b) of the first subparagraph may be provided to the consumer in the form of additional pre-contractual information.
Informacije iz točk (a) in (b) prvega pododstavka se potrošniku lahko zagotovijo v obliki dodatnih predpogodbenih informacij.
Where advisory services are provided to consumers, Member States shall ensure, in addition to the requirements set out in Articles 7 and 9, that:
Kadar se potrošnikom zagotavljajo svetovalne storitve, države članice poleg zahtev iz členov 7 in 9 zagotovijo, da:
creditors, credit intermediaries or appointed representatives obtain the necessary information regarding the consumer’s personal and financial situation, his preferences and objectives so as to enable the recommendation of suitable credit agreements.
dajalci kredita, kreditni posredniki ali imenovani predstavniki pridobijo potrebne informacije o potrošnikovem osebnem in finančnem položaju, njegovih željah in ciljih, da lahko priporoči ustrezne kreditne pogodbe.
Such an assessment shall be based on information that is up to date at that moment in time and shall take into account reasonable assumptions as to risks to the consumer’s situation over the term of the proposed credit agreement;
Takšna ocena temelji na najnovejših informacijah in upošteva smiselne predpostavke glede tveganj za potrošnikov položaj med trajanjem predlagane kreditne pogodbe;
creditors, tied credit intermediaries or appointed representatives of tied credit intermediaries consider a sufficiently large number of credit agreements in their product range and recommend a suitable credit agreements or several suitable credit agreements from among their product range for the consumer’s needs, financial situation and personal circumstances;
dajalci kreditov, povezani kreditni posredniki ali imenovani predstavniki povezanih kreditnih posrednikov upoštevajo zadostno število kreditnih pogodb v svojem naboru produktov in priporočijo ustrezno kreditno pogodbo ali več ustreznih kreditnih pogodb iz svojega nabora produktov glede na potrebe, finančni položaj in osebne okoliščine potrošnika;
non-tied credit intermediaries or appointed representatives of non-tied credit intermediaries consider a sufficiently large number of credit agreements available on the market and recommend a suitable credit agreement or several suitable credit agreements available on the market for the consumer’s needs, financial situation and personal circumstances;
nepovezani kreditni posredniki ali imenovani predstavniki nepovezanih kreditnih posrednikov upoštevajo zadostno število kreditnih pogodb, ki so na voljo na trgu, in priporočijo ustrezno kreditno pogodbo ali več ustreznih kreditnih pogodb, ki so na voljo na trgu, glede na potrebe, finančni položaj in osebne okoliščine potrošnika;
creditors, credit intermediaries or appointed representatives act in the best interests of the consumer by:
dajalci kredita, kreditni posredniki ali imenovani predstavniki ravnajo v najboljšem interesu potrošnika, tako da:
informing themselves about the consumer’s needs and circumstances; and
se seznanijo s potrebami in položajem potrošnika ter
recommending suitable credit agreements in accordance with points (a), (b) and (c); and
priporočijo ustrezne kreditne pogodbe v skladu s točkami (a), (b) in (c), ter
creditors, credit intermediaries or appointed representatives give the consumer a record on paper or on another durable medium of the recommendation provided.
dajalci kredita, kreditni posredniki ali imenovani zastopniki potrošniku posredujejo zapis, na papirju ali drugem trajnem nosilcu podatkov, o zagotovljenem priporočilu.
Member States may prohibit the use of the term ‘advice’ and ‘advisor’ or similar terms when the advisory services are being provided to consumers by creditors, tied credit intermediaries or appointed representatives of tied credit intermediaries.
Države članice lahko prepovejo uporabo izrazov „svetovanje“ in „svetovalec“ ali podobnih pojmov, kadar svetovalne storitve potrošnikom zagotavljajo dajalci kreditov, povezani kreditni posredniki ali imenovani predstavniki povezanih kreditnih posrednikov.
Where Member States do not prohibit the use of the term ‘advice’ and ‘advisor’, they shall impose the following conditions on the use of the term ‘independent advice’ or ‘independent advisor’ by creditors, credit intermediaries or appointed representatives providing advisory services:
Kadar države članice ne prepovejo uporabe izrazov „svetovanje“ in „svetovalec“, določijo, da dajalci kreditov, kreditni posredniki ali imenovani predstavniki, ki zagotavljajo svetovalne storitve, izraz „neodvisno svetovanje“ ali „neodvisni svetovalec“ uporabljajo pod naslednjimi pogoji:
creditors, credit intermediaries or appointed representatives shall consider a sufficiently large number of credit agreements available on the market; and
dajalci kreditov, kreditni posredniki ali imenovani predstavniki upoštevajo zadostno število kreditnih pogodb, ki so na voljo na trgu, ter
creditors, credit intermediaries or appointed representatives shall not be remunerated for those advisory services by one or more creditors.
dajalci kreditov, kreditni posredniki ali imenovani predstavniki ne prejmejo nobenega plačila za te svetovalne storitve od enega ali več dajalcev kreditov.
Point (b) of the second subparagraph shall apply only where the number of creditors considered is less than a majority of the market.
Točka (b) drugega pododstavka se uporablja le, kadar je število upoštevanih dajalcev kreditov manjše od večine na trgu.
Member States may impose more stringent requirements in relation to the use of the terms ‘independent advice’ or ‘independent advisor’ by creditors, credit intermediaries or appointed representatives, including a ban on receiving remuneration from a creditor.
Države članice lahko določijo strožje zahteve v zvezi z izrazoma „neodvisno svetovanje“ ali „neodvisni svetovalec“, ki ga uporabljajo dajalci kreditov, kreditni posredniki ali imenovani predstavniki, vključno s prepovedjo prejemanja plačila od dajalca kredita.
Member States may provide for an obligation for creditors, credit intermediaries and appointed representatives to warn a consumer when, considering the consumer’s financial situation, a credit agreement may induce a specific risk for the consumer.
Države članice lahko določijo, da morajo dajalci kreditov, kreditni posredniki in imenovani predstavniki potrošnika opozoriti, da bi lahko kreditna pogodba glede na njegov finančni položaj pomenila posebno tveganje zanj.
Member States shall ensure that advisory services are only provided by creditors, credit intermediaries or appointed representatives.
Države članice zagotovijo, da svetovalne storitve zagotavljajo le dajalci kreditov, kreditni posredniki ali imenovani predstavniki.
Member States may decide not to apply the first subparagraph to persons:
Države članice lahko odločijo, da ne uporabijo prvega pododstavka za osebe, ki:
carrying out the credit intermediation activities set out in point 5 of Article 4 or providing advisory services where those activities are carried out or services are provided in an incidental manner in the course of a professional activity and that activity is regulated by legal or regulatory provisions or a code of ethics governing the profession which do not exclude carrying out of those activities or the provision of those services;
opravljajo dejavnosti kreditnega posredovanja iz točke 5 člena 4 ali izvajajo svetovalne storitve, kadar se navedene dejavnosti opravljajo ali se storitve izvajajo občasno v okviru poklicne dejavnosti in če to dejavnost urejajo zakonski oziroma podzakonski predpisi ali kodeks poklicne etike, ki ne izključujejo opravljanja teh dejavnosti ali izvajanja teh storitev;
providing advisory services in the context of managing existing debt which are insolvency practitioners where that activity is regulated by legal or regulatory provisions or public or voluntary debt advisory services which do not operate on a commercial basis; or
zagotavljajo svetovalne storitve v okviru upravljanja obstoječega dolga in so stečajni upravitelji, kadar to dejavnost urejajo zakonski oziroma podzakonski predpisi ali javne oziroma prostovoljne službe za svetovanje o odplačevanju dolgov, ki ne opravljajo komercialnih dejavnosti, ali
providing advisory services who are not creditors, credit intermediaries or appointed representatives where such persons are admitted and supervised by competent authorities in accordance with the requirements for credit intermediaries under this Directive.
izvajajo svetovalne storitve in niso dajalci kreditov, kreditni posredniki ali imenovani predstavniki, kadar pristojni organi sprejmejo in nadzirajo takšne osebe v skladu z zahtevami za kreditne posrednike iz te direktive.
Persons benefiting from the waiver in the second subparagraph shall not benefit from the right referred to in Article 32(1) to provide services for the entire territory of the Union.
Za osebe, za katere velja opustitev iz drugega pododstavka, ne velja pravica iz člena 32(1), da zagotavljajo storitve na celotnem ozemlju Unije.
This Article shall be without prejudice to Article 16 and to Member States’ competence to ensure that services are made available to consumers to help them understand their financial needs and which types of products are likely to meet those needs.
Ta člen ne posega v člen 16 in pristojnost držav članic, da zagotovijo storitve, s katerimi pomagajo potrošnikom razumeti njihove finančne potrebe, pa tudi katere vrste produktov jim bodo omogočile izpolniti te potrebe.
FOREIGN CURRENCY LOANS AND VARIABLE RATE LOANS
POSOJILA V TUJI VALUTI IN VARIABILNE OBRESTNE MERE
Foreign currency loans
Posojila v tuji valuti
Member States shall ensure that, where a credit agreement relates to a foreign currency loan, an appropriate regulatory framework is in place at the time the credit agreement is concluded to at least ensure that:
Države članice zagotovijo, da v primeru, kadar se kreditna pogodba nanaša na posojilo v tuji valuti, ob sklenitvi kreditne pogodbe obstaja primeren regulativni okvir, s katerim se zagotovi vsaj, da:
the consumer has a right to convert the credit agreement into an alternative currency under specified conditions; or
ima potrošnik pod določenimi pogoji pravico do pretvorbe kreditne pogodbe v drugo valuto ali
there are other arrangements in place to limit the exchange rate risk to which the consumer is exposed under the credit agreement.
obstajajo druge ureditve za omejitev tveganja menjalnega tečaja, ki mu je potrošnik izpostavljen v okviru kreditne pogodbe.
The alternative currency referred to in point (a) of paragraph 1 shall be either:
Druga valuta iz točke (a) odstavka 1 je lahko:
the currency in which the consumer primarily receives income or holds assets from which the credit is to be repaid, as indicated at the time the most recent creditworthiness assessment in relation to the credit agreement was made; or
valuta, v kateri potrošnik v prvi vrsti prejema dohodek ali ima premoženje, s katerim se odplačuje kredit, kot je navedeno ob zadnji oceni kreditne sposobnosti v zvezi s kreditno pogodbo, ali
the currency of the Member State in which the consumer either was resident at the time the credit agreement was concluded or is currently resident.
valuta države članice, v kateri je imel potrošnik stalno prebivališče ob sklenitvi kreditne pogodbe ali v kateri ima trenutno stalno prebivališče.
Member States may specify whether both of the choices referred to in points (a) and (b) of the first subparagraph are available to the consumer or only one of them or may allow creditors to specify whether both of the choices referred to in points (a) and (b) of the first subparagraph are available to the consumer or only one of them.
Države članice lahko določijo, ali sta potrošniku na voljo obe možnosti iz točk (a) in (b) prvega pododstavka oziroma le ena od njiju, ali pa prepustijo dajalcem kreditov, da določijo ali sta potrošniku na voljo obe možnosti iz točk (a) in (b) prvega pododstavka oziroma le ena od njiju.
Where a consumer has a right to convert the credit agreement into an alternative currency in accordance with point (a) of paragraph 1, the Member States shall ensure that the exchange rate at which the conversion is carried out is the market exchange rate applicable on the day of application for conversion unless otherwise specified in the credit agreement.
Kadar ima potrošnik pravico, da kreditno pogodbo pretvori v drugo valuto v skladu s točko (a) odstavka 1, države članice zagotovijo, da je menjalni tečaj, ki se uporabi za pretvorbo, tržni menjalni tečaj, ki velja na dan pretvorbe, razen če je v kreditni pogodbi drugače določeno.
Member States shall ensure that where a consumer has a foreign currency loan, the creditor warns the consumer on a regular basis on paper or on another durable medium at least where the value of the total amount payable by the consumer which remains outstanding or of the regular instalments varies by more than 20 % from what it would be if the exchange rate between the currency of the credit agreement and the currency of the Member State applicable at the time of the conclusion of the credit agreement were applied.
Države članice zagotovijo, da dajalec kredita potrošnika, ki ima posojilo v tuji valuti, na papirju ali drugem trajnem nosilcu redno obvesti vsaj takrat, kadar vrednost skupnega zneska, ki ga mora plačati potrošnik in ki ga je še treba plačati, ali rednih obrokov za najmanj 20 % odstopa od vrednosti, ki bi veljala, če bi se uporabljal menjalni tečaj med valuto kreditne pogodbe in valuto države članice, ki je bila v uporabi ob sklenitvi kreditne pogodbe.
The warning shall inform the consumer of a rise in the total amount payable by the consumer, set out where applicable the right to convert to an alternative currency and the conditions for doing so and explain any other applicable mechanism for limiting the exchange rate risk to which the consumer is exposed.
S tem opozorilom potrošnika obvesti o zvišanju skupnega zneska, ki ga mora plačati potrošnik, pri čemer, kadar je primerno, v opozorilu navede pravico do pretvorbe v drugo valuto in pogoje za takšno pretvorbo ter pojasni morebitne druge veljavne mehanizme za omejitev tveganja menjalnega tečaja, ki mu je izpostavljen potrošnik.
Member States may further regulate foreign currency loans provided that such regulation is not applied with retrospective effect.
Države članice lahko dodatno uredijo posojila v tuji valuti, pod pogojem, da se takšna ureditev ne uporablja retroaktivno.
The arrangements applicable under this Article shall be disclosed to the consumer in the ESIS and in the credit agreement.
Ureditve, ki se uporabljajo v okviru tega člena, se potrošniku razkrijejo v ESIS in kreditni pogodbi.
Where there is no provision in the credit agreement to limit the exchange rate risk to which the consumer is exposed to a fluctuation in the exchange rate of less than 20 %, the ESIS shall include an illustrative example of the impact of a 20 % fluctuation in the exchange rate.
Kadar v kreditni pogodbi ni določbe o omejitvi tveganja menjalnega tečaja, ki mu je izpostavljen potrošnik, na nihanje menjalnega tečaja za manj kot 20 %, ESIS zajema ponazoritev učinka 20-odstotnega nihanja menjalnega tečaja.
Variable rate credits
Krediti s spremenljivo obrestno mero
Where the credit agreement is a variable rate credit, Member States shall ensure that:
Kadar je kreditna pogodba kredit s spremenljivo obrestno mero, države članice zagotovijo, da:
any indexes or reference rates used to calculate the borrowing rate are clear, accessible, objective and verifiable by the parties to the credit agreement and the competent authorities; and
so vsi indeksi ali referenčne obrestne mere, ki se uporabljajo za izračun posojilne obrestne mere, jasni, dostopni, objektivni in preverljivi za stranki kreditne pogodbe in za pristojne organe; in
historical records of indexes for calculating the borrowing rates are maintained either by the providers of these indexes or the creditors.
evidence indeksov za izračun posojilnih obrestnih mer hranijo ponudniki teh indeksov ali dajalci kreditov.
SOUND EXECUTION OF CREDIT AGREEMENTS AND RELATED RIGHTS
PRAVILNO IZVRŠEVANJE KREDITNIH POGODB IN S TEM POVEZANE PRAVICE
Member States shall ensure that the consumer has a right to discharge fully or partially his obligations under a credit agreement prior to the expiry of that agreement.
Države članice zagotovijo, da ima potrošnik pravico, da svoje obveznosti iz kreditne pogodbe delno ali v celoti izpolni pred njenim iztekom.
In such cases, the consumer shall be entitled to a reduction in the total cost of the credit to the consumer, such reduction consisting of the interest and the costs for the remaining duration of the contract.
V takšnih primerih je potrošnik upravičen do zmanjšanja skupnih stroškov kredita zanj, sestavljenega iz obresti in stroškov za preostalo obdobje trajanja pogodbe.
Member States may provide that the exercise of the right referred to in paragraph 1 is subject to certain conditions.
Države članice lahko določijo, da za uveljavljanje pravice iz odstavka 1 veljajo določeni pogoji.
Such conditions may include time limitations on the exercise of the right, a different treatment depending on the type of the borrowing rate or on the moment the consumer exercises the right, or restrictions with regard to the circumstances under which the right may be exercised.
Takšni pogoji lahko vključujejo časovne omejitve glede uveljavljanja pravice, različno obravnavo glede na vrsto posojilne obrestne mere oziroma trenutka, ko potrošnik uveljavlja pravico, ali omejitve glede okoliščin, v katerih se lahko pravica uveljavlja.
Member States may provide that the creditor is entitled to fair and objective compensation, where justified, for possible costs directly linked to the early repayment but shall not impose a sanction on the consumer.
Države članice lahko določijo, da je dajalec kredita, kadar je upravičeno, upravičen do poštenega in objektivnega nadomestila za morebitne stroške, ki so neposredno povezani s predčasnim odplačilom kredita, a potrošnika ne kaznuje.
In that regard, the compensation shall not exceed the financial loss of the creditor.
V zvezi s tem nadomestilo ne presega finančne izgube dajalca kredita.
Subject to those conditions Member States may provide that the compensation may not exceed a certain level or be allowed only for a certain period of time.
Države članice lahko pod temi pogoji določijo, da nadomestilo ne sme presegati določene stopnje ali da je dovoljeno le v določenem časovnem obdobju.
Where a consumer seeks to discharge his obligations under a credit agreement prior to the expiry of the agreement, the creditor shall provide the consumer without delay after receipt of the request, on paper or on another durable medium, with the information necessary to consider that option.
Kadar želi potrošnik obveznosti iz kreditne pogodbe izpolniti pred njenim iztekom, dajalec kredita potrošniku takoj po prejemu prošnje na papirju ali drugem trajnem nosilcu zagotovi informacije, potrebne za preučitev navedene možnosti.
That information shall at least quantify the implications for the consumer of discharging his obligations prior to the expiry of the credit agreement and clearly set out any assumptions used.
V teh informacijah se vsaj količinsko opredelijo posledice, ki bi jih imela za potrošnika izpolnitev obveznosti iz kreditne pogodbe pred njenim iztekom in jasno navedejo vse uporabljene predpostavke.
Any assumptions used shall be reasonable and justifiable.
Vse uporabljene predpostavke so smiselne in upravičene.