natgillin/translations-raw huggingface dataset:
(Where applicable) The costs in the other costs column relate to [list of costs].
(Kadar je primerno) Stroški v stolpcu „Drugi stroški“ se nanašajo na [seznam stroškov].
Outstanding capital (column [relevant no.]) is the amount of the loan that remains to be reimbursed after each instalment.
Preostanek glavnice (stolpec [zadevna št.]) je znesek posojila, ki ga je še treba odplačati po vsakem obroku.
[Table]
[Preglednica]
The borrower must comply with the following obligations in order to benefit from the lending conditions described in this document.
Posojilojemalec mora izpolniti naslednje obveznosti, da bi lahko zanj veljali pogoji posojila, opisani v tem dokumentu.
[Obligations]
[Obveznosti]
(Where applicable) Please note that the lending conditions described in this document (including the interest rate) may change if these obligations are not complied with.
(Kadar je primerno) Opozarjamo vas, da se lahko v tem dokumentu navedeni pogoji posojila (vključno z obrestno mero) spremenijo, če te obveznosti ne bodo izpolnjene.
(Where applicable) Please note the possible consequences of terminating at a later stage any of the ancillary services relating to the loan:
(Kadar je primerno) Zavedajte se morebitnih posledic naknadne prekinitve pomožnih storitev, povezanih s posojilom:
[Consequences]
[Posledice]
You have the possibility to repay this loan early, either fully or partially.
Posojilo lahko v celoti ali delno predčasno odplačate.
(Where applicable) [Conditions]
(Kadar je primerno) [Pogoji]
(Where applicable) Exit charge: [insert amount or, where not possible, the method of calculation]
(Kadar je primerno) Stroški predčasnega odplačila: [znesek ali, če to ni mogoče, metoda za izračun]
(Where applicable) Should you decide to repay this loan early, please contact us to ascertain the exact level of the exit charge at that moment.
(Kadar je primerno) Če se boste odločili za predčasno odplačilo posojila, se obrnite na nas za točno višino stroškov predčasnega odplačila.
Flexible features
Prožne značilnosti
(Where applicable) [Information on portability/subrogation] You have the possibility to transfer this loan to another [lender][or] [property].
(Kadar je primerno) [Informacije o prenosljivosti/subrogaciji] Posojilo lahko prenesete na [drugega posojilodajalca] [ali] [drugo nepremičnino].
[Insert conditions]
[pogoji]
(Where applicable) You do not have the possibility to transfer this loan to another [lender] [or] [property].
(Kadar je primerno) Posojila ne morete prenesti na [drugega posojilodajalca] [ali] [drugo nepremičnino].
(Where applicable) Additional features: [insert explanation of additional features listed in Part B and, optionally, any other features offered by the lender as part of the credit agreement not referred to in previous sections].
(Kadar je primerno) Dodatne značilnosti: [razlaga dodatnih značilnosti, naštetih v delu B in, neobvezno, vseh drugih značilnosti, ki jih ponuja posojilodajalec kot del kreditne pogodbe, če niso omenjene v prejšnjih rubrikah].
Other rights of the borrower
Druge pravice posojilojemalca.
(Where applicable) You have [length of reflection period] after [point in time when the reflection period begins] to reflect before committing yourself to taking out this loan.
(Kadar je primerno) Po [začetek obdobja za razmislek] imate na voljo [dolžina obdobja za razmislek] za razmislek, preden se zavežete, da boste najeli posojilo.
(Where applicable) Once you have received the credit contract from the lender, you may not accept it before the end of [length of reflection period].
(Kadar je primerno) Ko od posojilodajalca prejmete kreditno pogodbo, je ne smete sprejeti pred [dolžina obdobja za razmislek].
(Where applicable) For a period of [length of withdrawal period] after [point in time when the withdrawal period begins] you may exercise your right to cancel the agreement.
(Kadar je primerno) Svojo pravico do odstopa od pogodbe lahko uveljavljate v [trajanje odstopnega roka] po [začetek odstopnega roka].
[Conditions] [Insert procedure]
[pogoji] [postopek]
(Where applicable) You may lose your right to cancel the agreement if, during that period, you buy or sell a property connected to this credit agreement.
(Kadar je primerno) Če v tem času kupite ali prodate nepremičnino, povezano s to kreditno pogodbo, lahko izgubite pravico do odstopa od pogodbe.
(Where applicable) Should you decide to exercise your right of withdrawal [from the credit agreement], please verify whether you will remain bound by your other obligations relating to the loan [including the ancillary services relating to the loan] [, referred to in Section 8].
(Kadar je primerno) Če boste sklenili uveljavljati pravico do odstopa [od kreditne pogodbe], preverite, ali boste imeli še naprej druge obveznosti v zvezi s posojilom [vključno s pomožnimi storitvami, povezanimi s posojilom] [navedenimi v rubriki 8].
If you have a complaint please contact [insert internal contact point and source of information on procedure].
Če se želite pritožiti, se obrnite na [interna kontaktna točko in vir informacij o postopku].
(Where applicable) Maximum time for handling the complaint [period of time]
(Kadar je primerno) Najdaljši možni čas, v katerem lahko dajalec kredita obravnava pritožbo [časovno obdobje]
(Where applicable) [If we do not resolve the complaint to your satisfaction internally,] you can also contact: [insert name of external body for out-of-court complaints and redress] (Where applicable) or you can contact FIN-NET for details of the equivalent body in your own country.
(Kadar je primerno) [Če z rešitvijo pritožbe niste zadovoljni,] se lahko obrnete tudi na: [zunanji organ za izvensodne pritožbene postopke in druga pravna sredstva za izvensodno reševanje sporov] (Kadar je primerno) ali pa se lahko obrnete na FIN-NET, kjer boste dobili podatke o ustreznem organu v vaši državi.
Non-compliance with the commitments linked to the loan: consequences for the borrower
Neizpolnjevanje obveznosti, povezanih s posojilom: posledice za posojilojemalca
[Types of non-compliance]
[Vrste neizpolnjevanja]
[Financial and/or legal consequences]
[Finančne in/ali pravne posledice]
Should you encounter difficulties in making your [frequency] payments, please contact us straight away to explore possible solutions.
Če imate težave pri odplačevanju [pogostost] obrokov, se čim prej obrnite na nas, da poiščemo možne rešitve.
(Where applicable) As a last resort, your home may be repossessed if you do not keep up with payments.
(Kadar je primerno) Če ne boste redno odplačevali obrokov, je v skrajnem primeru možna zaplemba vaše nepremičnine.
(Where applicable) 14.
(Kadar je primerno) 14.
(Where applicable) [Indication of the law applicable to the credit contract].
(Kadar je primerno) [navedba prava, ki se uporablja za kreditno pogodbo].
(Where the lender intends to use a language different from the language of the ESIS) Information and contractual terms will be supplied in [language].
(Če se namerava posojilodajalec sporazumevati v drugem jeziku kot v jeziku, v katerem je sestavljen ESIS) Informacije in pogodbeni pogoji se bodo zagotovili v [navedba jezika].
With your consent, we intend to communicate in [language/s] during the duration of the credit agreement.
Z vašim soglasjem vas bomo med trajanjem kreditne pogodbe obveščali v [navedba jezika/jezikov].
[Insert statement on right to be provided with or offered, as applicable, a draft credit agreement]
[vstavi se izjava o pravici, da se predloži ali ponudi, kar je ustrezno, osnutek kreditne pogodbe]
Supervisor
Nadzornik
This lender is supervised by [Name(s), and web address(es) of supervisory authority/ies]
Tega posojilodajalca nadzoruje [ime(-na), geografski in spletni naslov(-i) nadzornega organa ali organov]
(Where applicable) This credit intermediary is supervised by [Name and web address of supervisory authority].
(Kadar je primerno) Tega kreditnega posrednika nadzoruje [ime in spletni naslov nadzornega organa].
Instructions to complete the ESIS
Navodila za izpolnjevanje ESIS
Section ‘Introductory text’
Rubrika „Uvod“
The validity date shall be properly highlighted.
Datum veljavnosti se ustrezno vidno poudari.
For the purpose of this section, the ‘validity date’ means the length of time the information, e.g. the borrowing rate, contained in the ESIS will remain unchanged and will apply should the creditor decide to grant the credit within this period of time.
Za namene te rubrike „datum veljavnosti“ pomeni dolžino obdobja, v katerem informacije, na primer o posojilni obrestni meri, ki jih vsebuje ESIS, ostanejo nespremenjene in ki se uporabljajo, če se dajalec kredita v tem obdobju odloči odobriti kredit.
Where the determination of the applicable borrowing rate and other costs depends on the results of the selling of underlying bonds, the eventual borrowing rate and other costs may be different from those stated.
Kadar je določitev veljavne posojilne obrestne mere in drugih stroškov odvisna od rezultatov prodaje prednostnih obveznic, so lahko končna posojilna obrestna mera in drugi stroški drugačni od navedenih.
In those circumstances only, it shall be stipulated that the validity date does not apply to the borrowing rate and other costs by adding the words: ‘apart from the interest rate and other costs’.
Le v tem primeru se določi, da se datum veljavnosti ne uporablja za posojilno obrestno mero in druge stroške, in sicer tako, da se doda besedilo: „razen obrestne mere in drugih stroškov“.
Section ‘1.
Rubrika „1.
Lender’
Posojilodajalec“
Name, telephone number, and geographical address of the creditor shall refer to the contact information that the consumer may use for future correspondence.
Ime, telefonska številka in geografski naslov dajalca kredita so kontaktni podatki, ki jih lahko potrošnik uporablja za nadaljnjo korespondenco.
Information on the e-mail address, fax number, web address and contact person/point is optional.
Podatki o elektronskem naslovu, številki telefaksa, spletnem naslovu in kontaktni osebi/točki niso obvezni.
In line with Article 3 of Directive 2002/65/EC, where the transaction is being offered at a distance, the creditor shall indicate, where applicable, the name and geographical address of its representative in the Member State of residence of the consumer.
V primeru ponujanja pogodbe na daljavo dajalec kredita v skladu s členom 3 Direktive 2002/65/ES po potrebi navede ime in geografski naslov svojega zastopnika v državi članici, v kateri ima potrošnik stalno prebivališče.
Indication of the telephone number, e-mail address and web address of the representative of the credit provider is optional.
Telefonska številka, elektronski in spletni naslov predstavnika dajalca kredita niso obvezni.
Where Section 2 is not applicable, the creditor shall inform the consumer whether advisory services are being provided and on what basis using the wording in Part A.
Kadar rubrika 2 ni relevantna, dajalec kredita obvesti potrošnika, ali so mu na voljo svetovalne storitve in na kakšni podlagi, za kar uporabi besedilo iz dela A.
(Where applicable) Section ‘2.
(Kadar je primerno) „2.
Credit intermediary’
Kreditni posrednik“
Where the product information is being provided to the consumer by a credit intermediary, that intermediary shall include the following information:
Kadar informacije o produktu zagotavlja kreditni posrednik, ta vključi naslednje podatke:
Name, telephone number and geographical address of the credit intermediary shall refer to the contact information that the consumer may use for future correspondence.
Ime, telefonska številka in geografski naslov kreditnega posrednika so kontaktni podatki, ki jih lahko potrošnik uporablja za nadaljnjo korespondenco.
The credit intermediary shall inform the consumer whether advisory services are being provided and on what basis using the wording in Part A.
Kreditni posrednik obvesti potrošnika, ali so mu na voljo svetovalne storitve in na kakšni podlagi, za kar uporabi besedilo iz dela A.
An explanation of how the credit intermediary is being remunerated.
Pojasnilo, kako je plačan kreditni posrednik.
Where it is receiving commission from a creditor, the amount and, where different from the name in Section 1, the name of the creditor shall be provided.
Kadar prejema provizijo od dajalca kredita, znesek in ime dajalca kredita, kadar je drugačno od imena v rubriki 1.
Section ‘3.
Rubrika „3.
Main features of the loan’
Glavni podatki o posojilu“
This section shall clearly explain the main characteristics of the credit, including the value and currency and the potential risks associated with the borrowing rate, including the ones referred to in point (8), and amortisation structure.
V tej rubriki se jasno opišejo glavne značilnosti kredita, vključno z vrednostjo in valuto ter morebitnimi tveganji, povezanimi s posojilno obrestno mero, vključno s tistimi iz točke 8, in amortizacijsko strukturo.
Where the credit currency is different from the national currency of the consumer, the creditor shall indicate that the consumer will receive a regular warning at least when the exchange rate fluctuates by more than 20 %, where applicable the right to convert the currency of the credit agreement or to the possibility to renegotiate the conditions and any other arrangements available to the consumer to limit their exposure to exchange rate risk.
Kadar kredit ni v domači valuti potrošnika, dajalec kredita navede, da bo potrošnik prejemal redna opozorila, vsaj če se menjalni tečaj spremeni za več kot 20 %, kjer je primerno, pravico do pretvorbe tečaja kredita v kreditni pogodbi ali možnosti, da se ponovno pogaja o pogojih in vseh drugih ureditvah, ki so na voljo potrošniku za omejitev izpostavljenosti tveganju menjalnega tečaja.
Where there is a provision in the credit agreement to limit the exchange rate risk, the creditor shall indicate the maximum amount the consumer could have to pay back.
Kadar v kreditni pogodbi obstaja določba, ki omejuje tveganje menjalnega tečaja, dajalec kredita navede najvišji znesek, ki ga bo moral potrošnik vrniti.
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 creditor shall indicate an illustration of the effect of a 20 % fall in the value of consumer’s national currency relative to the credit currency on the value of the credit.
Kadar v kreditni pogodbi ni določbe o omejitvi tveganja menjalnega tečaja, ki mu je izpostavljen potrošnik, na nihanje menjalnega tečaja za manj kot 20 %, dajalec kredita ponazori, kakšen učinek bo imelo 20-odstotno znižanje vrednosti domače valute potrošnika v primerjavi z valuto kredita na vrednost kredita.
The duration of the credit shall be expressed in years or months, whichever is the most relevant.
Trajanje kredita se izrazi v letih ali mesecih, odvisno od tega, katera enota je ustreznejša.
Where the duration of the credit can vary during the lifetime of the contract, the creditor shall explain when and under which conditions this can occur.
Kadar se lahko trajanje kredita v času veljavnosti pogodbe spremeni, dajalec kredita pojasni, kdaj in pod katerimi pogoji se lahko to zgodi.
Where the credit is open-ended, for example, for a secured credit card, the creditor shall clearly state that fact.
Kadar je to odprti kredit, npr. kreditna kartica z obveznim pologom, dajalec kredita to jasno navede.
The type of credit shall be clearly indicated (e.g. mortgage credit, home loan, secured credit card).
Vrsta kredita se jasno navede (npr. hipotekarni kredit, stanovanjsko posojilo, kreditna kartica z obveznim pologom).
The description of the type of credit shall clearly indicate how the capital and the interest shall be reimbursed during the life of the credit (i.e. the amortisation structure), specifying clearly whether the credit agreement is on capital repayment or interest-only basis, or a mixture of the two.
Pri opisu vrste kredita se jasno opiše način odplačevanja glavnice in obresti med trajanjem kredita (tj. amortizacijska struktura) in navede, ali gre pri kreditni pogodbi za odplačevanje glavnice ali se sproti odplačujejo le obresti ali gre za kombinacijo obojega.
Where all or part of the credit is an interest-only credit, a statement clearly indicating that fact shall be inserted prominently at the end of this section using the wording in Part A.
Kadar se pri celotnem kreditu ali njegovem delu sproti odplačujejo samo obresti, se izjava, iz katere je to jasno razvidno, vstavi na koncu te rubrike, za kar se uporabi besedilo iz dela A.
This section shall explain whether the borrowing rate is fixed or variable and, where applicable, the periods during which it will remain fixed; the frequency of subsequent revisions and the existence of limits to the borrowing rate variability, such as caps or floors.
V tej rubriki se tudi navede, ali je posojilna obrestna mera fiksna ali spremenljiva in po potrebi, v katerih obdobjih bo ostala fiksna; pogostost poznejših sprememb in morebitne omejitve glede spreminjanja posojilne obrestne mere navzgor in navzdol.
The formula used to revise the borrowing rate and its different components (e.g. reference rate, interest rate spread) shall be explained.
Pojasni se formula, ki se uporablja za prilagoditev posojilne obrestne mere in njenih različnih sestavin (npr. referenčna obrestna mera, obrestna marža).
The creditor shall indicate, e.g. by means of a web address, where further information on the indices or rates used in the formula can be found, e.g. Euribor or central bank reference rate.
Dajalec kredita navede, kje – npr. na spletnem naslovu – so na voljo dodatne informacije o indeksih ali obrestnih merah, uporabljenih v formuli, npr. Euriboru ali referenčni obrestni meri centralne banke.
If different borrowing rates apply in different circumstances, the information shall be provided on all applicable rates.
Če se v različnih okoliščinah uporabljajo različne posojilne obrestne mere, se zagotovijo informacije o vseh uporabljenih obrestnih merah.
The ‘total amount to be reimbursed’ corresponds to the total amount payable by the consumer.
„Skupni znesek vračila“ ustreza skupnemu znesku, ki ga mora plačati potrošnik.
It shall be shown as the sum of the credit amount and the total cost of the credit to the consumer.
Prikaže se kot vsota zneska kredita in skupnih stroškov kredita za potrošnika.
Where the borrowing rate is not fixed for the duration of the contract, it shall be highlighted that this amount is illustrative and may vary in particular in relation with the variation in the borrowing rate.
Kadar posojilna obrestna mera za časa trajanja pogodbe ni fiksna, se poudari, da je ta znesek le ponazoritven in se lahko spreminja, zlasti glede na spremembo posojilne obrestne mere.
Where the credit will be secured by a mortgage on the immovable property or another comparable security or by a right related to immovable property, the creditor shall draw the consumer’s attention to this.
Kadar bo kredit zavarovan s hipoteko na nepremičnino ali drugim primerljivim jamstvom oziroma pravico na nepremičnini, dajalec kredita potrošnika opozori na to.
Where applicable the creditor shall indicate the assumed value of the immovable property or other security used for the purpose of preparing this information sheet.
Dajalec kredita po potrebi prav tako navede ocenjeno vrednost nepremičnine ali drugega jamstva, uporabljenega za pripravo tega informativnega lista.
The creditor shall indicate, where applicable, either:
Dajalec kredita po potrebi navede bodisi:
‘maximum available loan amount relative to the value of the property’, indicating the loan-to-value ratio.
„najvišji razpoložljivi znesek posojila glede na vrednost nepremičnine“, ki prikazuje razmerje med posojilom in vrednostjo nepremičnine.
This ratio is to be accompanied by an example in absolute terms of the maximum amount that can be borrowed for a given property value; or
Pri tem razmerju se navede tudi primer najvišjega zneska, prikazanega v absolutni vrednosti, ki si ga je mogoče izposoditi glede na določeno vrednost nepremičnine; bodisi
the ‘minimum value of the property required by the creditor to lend the illustrated amount’.
„najnižjo vrednost nepremičnine, ki jo zahteva dajalec kredita za posojilo navedenega zneska“.
Where credits are multi-part credits (e.g. concurrently part fixed rate, part variable rate), this shall be reflected in the indication of the type of credit and the required information shall be given for each part of the credit.
Kadar je kredit večdelen (na primer hkrati deloma s fiksno obrestno mero in deloma s spremenljivo), je to razvidno iz navedbe vrste kredita, informacije pa se navedejo za vsak del kredita posebej.
Section ‘4.
Rubrika „4.
Interest rate’ and other costs
Obrestna mera in drugi stroški“
The reference to ‘interest rate’ corresponds to the borrowing rate or rates.
Navedena „obrestna mera“ ustreza posojilni obrestni meri ali meram.
The borrowing rate shall be mentioned as a percentage value.
Posojilna obrestna mera se navede kot odstotna vrednost.
Where the borrowing rate is variable and based on a reference rate the creditor may indicate the borrowing rate by stating a reference rate and a percentage value of creditor’s spread.
Kadar je posojilna obrestna mera spremenljiva in temelji na referenčni obrestni meri, lahko dajalec kredita navede referenčno posojilno obrestno mero in odstotno vrednost svoje marže.
The creditor shall however indicate the value of the reference rate valid on the day of issuing the ESIS.
Dajalec kredita vseeno navede vrednost referenčne obrestne mere, veljavne na dan izdaje ESIS.
Where the borrowing rate is variable the information shall include: (a) the assumptions used to calculate the APRC; (b) where relevant, the applicable caps and floors and (c) a warning that the variability could affect the actual level of the APRC.
Pri spremenljivi posojilni obrestni meri se navede: (a) predpostavke za izračun EOM; (b) po potrebi veljavne spodnje in zgornje meje in (c) opozorilo, da lahko spremenljivost vpliva na dejansko višino EOM.
In order to attract the consumer’s attention the font size used for the warning shall be bigger and shall figure prominently in the main body of the ESIS.
Da bi pritegnili pozornost potrošnika, se opozorilo zapiše z večjimi črkami in na vidnem mestu v glavnem besedilu ESIS.
The warning shall be accompanied by an illustrative example on the APRC.
Poleg opozorila se navede ponazoritven primer EOM.
Where there is a cap on the borrowing rate, the example shall assume that the borrowing rate rises at the earliest possible opportunity to the highest level foreseen in the credit agreement.
Kadar ima posojilna obrestna mera zgornjo mejo, se v navedenem primeru predpostavlja, da se posojilna obrestna mera v najkrajšem možnem času zviša na najvišjo raven, predvideno v kreditni pogodbi.
Where there is no cap the example shall illustrate the APRC at the highest borrowing rate in at least the last 20 years, or where the underlying data for the calculation of the borrowing rate is available for a period of less than 20 years the longest period for which such data is available, based on the highest value of any external reference rate used in calculating the borrowing rate where applicable or the highest value of a benchmark rate specified by a competent authority or EBA where the creditor does not use an external reference rate.
Kadar ni zgornje meje, se v navedenem primeru uporabi EOM, ki ustreza najvišji posojilni obrestni meri v najmanj zadnjih dvajsetih letih, ali, kadar so podatki za izračun posojilne obrestne mere na voljo za manj kot 20 let, v najdaljšem obdobju, za katerega so podatki na voljo, in sicer na podlagi najvišje vrednosti zunanje referenčne mere, uporabljene za izračun posojilne obrestne mere, kadar je primerno, ali najvišje vrednosti primerjalne obrestne mere, ki jo določi pristojni organ ali EBA, kadar dajalec kredita ne uporablja zunanje referenčne mere.