natgillin/translations-raw huggingface dataset:
It excludes any charges payable by the consumer for non-compliance with the commitments laid down in the credit agreement.
Izključeni so vsi stroški, ki jih potrošnik plača zaradi neizpolnjevanja obveznosti, določenih v kreditni pogodbi;
‘Total amount payable by the consumer’ means the total amount payable by the consumer as defined in point (h) of Article 3 of Directive 2008/48/EC.
„skupni znesek, ki ga mora plačati potrošnik“ pomeni skupni znesek, ki ga mora plačati potrošnik, kakor je opredeljen v točki (h) člena 3 Direktive 2008/48/ES;
‘Annual percentage rate of charge’ (APRC) means the total cost of the credit to the consumer, expressed as an annual percentage of the total amount of credit, where applicable, including the costs referred to in Article 17(2) and equates, on an annual basis, to the present value of all future or existing commitments (drawdowns, repayments and charges) agreed by the creditor and the consumer.
„efektivna obrestna mera“ pomeni skupne stroške kredita za potrošnika, izražene kot letni odstotek skupnega zneska kredita, po potrebi vključno s stroški iz člena 17(2), in je na letni osnovi enaka sedanji vrednosti vseh prihodnjih ali obstoječih obveznosti (črpanj, odplačil in stroškov), o katerih sta se dogovorila dajalec kredita in potrošnik;
‘Borrowing rate’ means the borrowing rate as defined in point (j) of Article 3 of Directive 2008/48/EC.
„posojilna obrestna mera“ pomeni posojilno obrestno mero, kakor je opredeljena v točki (j) člena 3 Direktive 2008/48/ES;
‘Creditworthiness assessment’ means the evaluation of the prospect for the debt obligation resulting from the credit agreement to be met.
„ocena kreditne sposobnosti“ pomeni oceno možnosti, da bodo dolžniške obveznosti, ki izhajajo iz kreditne pogodbe, izpolnjene;
‘Durable medium’ means durable medium as defined in point (m) of Article 3 of Directive 2008/48/EC.
„trajni nosilec podatkov“ pomeni trajni nosilec podatkov, kakor je opredeljen v točki (m) člena 3 Direktive 2008/48/ES;
‘Home Member State’ means:
„matična država članica“ pomeni:
where the creditor or credit intermediary is a natural person, the Member State in which his head office is situated;
državo članico, v kateri ima dajalec kredita ali kreditni posrednik, če je fizična oseba, glavni sedež;
where the creditor or credit intermediary is a legal person, the Member State in which its registered office is situated or, if under its national law it has no registered office, the Member State in which its head office is situated.
državo članico, v kateri ima dajalec kredita ali kreditni posrednik, če je pravna oseba, registrirani sedež, ali državo članico, v kateri ima glavni sedež, če registriranega sedeža po svojem nacionalnem pravu nima;
‘Host Member State’ means the Member State, other than the home Member State, in which the creditor or credit intermediary has a branch or provides services.
„država članica gostiteljica“ pomeni državo članico, ki ni matična država članica in v kateri ima dajalec kredita ali kreditni posrednik podružnico ali opravlja storitve;
‘Advisory services’ means the provision of personal recommendations to a consumer in respect of one or more transactions relating to credit agreements and constitutes a separate activity from the granting of a credit and from the credit intermediation activities set out in point 5.
„svetovalne storitve“ pomenijo zagotavljanje osebnih priporočil potrošniku glede enega ali več poslov v zvezi s kreditnimi pogodbami in so to storitve, ki so ločene od odobritve kredita in od dejavnosti kreditnega posrednika, določenih v točki 5;
‘Competent authority’ means an authority designated as competent by a Member State in accordance with Article 5.
„pristojni organ“ pomeni organ, ki ga država članica v skladu s členom 5 imenuje za pristojnega;
‘Bridging loan’ means a credit agreement either of no fixed duration or which is due to be repaid within 12 months, used by the consumer as a temporary financing solution while transitioning to another financial arrangement for the immovable property.
„premostitveni kredit“ pomeni kreditno pogodbo, ki ni sklenjena za določen čas ali pri kateri je treba kredit odplačati v 12 mesecih in ki potrošniku služi kot začasna rešitev glede financiranja, preden sklene drug finančni dogovor za nepremičnino;
‘Contingent liability or guarantee’ means a credit agreement which acts as a guarantee to another separate but ancillary transaction, and where the capital secured against an immovable property is only drawn down if an event or events specified in the contract occur.
„pogojna obveznost ali jamstvo“ pomeni kreditno pogodbo, ki služi kot jamstvo za drug ločen, a pomožen posel in pri kateri se iz glavnice, zavarovane z nepremičnino, črpa samo v primeru okoliščine ali okoliščin, navedenih v pogodbi;
‘Shared equity credit agreement’ means a credit agreement where the capital repayable is based on a contractually set percentage of the value of the immovable property at the time of the capital repayment or repayments.
„kreditna pogodba s soudeležbo pri naložbi“ pomeni kreditno pogodbo, pri kateri glavnica, ki jo je treba odplačati, temelji na pogodbeno določenem odstotku vrednosti nepremičnine v trenutku odplačila ali odplačil glavnice;
‘Tying practice’ means the offering or the selling of a credit agreement in a package with other distinct financial products or services where the credit agreement is not made available to the consumer separately.
„vezana prodaja“ pomeni ponujanje ali prodajo kreditne pogodbe v paketu skupaj z drugimi ločenimi finančnimi produkti ali storitvami, pri čemer kreditna pogodba potrošniku ni na voljo posebej;
‘Bundling practice’ means the offering or the selling of a credit agreement in a package with other distinct financial products or services where the credit agreement is also made available to the consumer separately but not necessarily on the same terms or conditions as when offered bundled with the ancillary services.
„paketna prodaja“ pomeni ponujanje ali prodajo kreditne pogodbe v paketu skupaj z drugimi ločenimi finančnimi produkti ali storitvami, pri čemer je kreditna pogodba potrošniku na voljo tudi posebej, a ne nujno pod enakimi pogoji, kot če gre za ponudbo v paketu s pomožnimi storitvami;
‘Foreign currency loan’ means a credit agreement where the credit is:
„posojilo v tuji valuti“ pomeni kreditno pogodbo, pri kateri je kredit:
denominated in a currency other than that in which the consumer receives the income or holds the assets from which the credit is to be repaid; or
denominiran v valuti, ki ni valuta, v kateri potrošnik prejema dohodek, niti ni valuta njegovih sredstev, iz katerih se bo odplačeval kredit, ali
denominated in a currency other than that of the Member State in which the consumer is resident.
denominiran v valuti, ki ni valuta države članice, v kateri prebiva potrošnik.
Member States shall designate the national competent authorities empowered to ensure the application and enforcement of this Directive and shall ensure that they are granted investigating and enforcement powers and adequate resources necessary for the efficient and effective performance of their duties.
Države članice imenujejo nacionalne pristojne organe, pooblaščene za zagotovitev uporabe in izvajanja te direktive, in poskrbijo, da so jim podeljena preiskovalna in izvršilna pooblastila ter ustrezna sredstva, potrebna za učinkovito in uspešno opravljanje njihovih nalog.
The authorities referred to in the first subparagraph shall be either public authorities or bodies recognised by national law or by public authorities expressly empowered for that purpose by national law.
Organi iz prvega pododstavka so bodisi javni organi bodisi organi, ki jih priznava nacionalno pravo ali javni organi, ki jih v ta namen izrecno pooblašča nacionalno pravo.
They shall not be creditors, credit intermediaries or appointed representatives.
To niso dajalci kreditov, kreditni posredniki ali imenovani predstavniki.
Member States shall ensure that competent authorities, all persons who work or who have worked for the competent authorities, as well as auditors and experts instructed by the competent authorities, are bound by the obligation of professional secrecy.
Države članice zagotovijo, da so pristojni organi, vse osebe, ki delajo zanje ali so zanje delale, kakor tudi revizorji in strokovnjaki, ki dobivajo navodila od pristojnih organov, dolžni varovati poklicno skrivnost.
No confidential information which they may receive in the course of their duties may be divulged to any person or authority whatsoever, save in summary or aggregate form, without prejudice to cases covered by criminal law or by this Directive.
Zaupne informacije, ki jih lahko ti organi, osebe, revizorji in strokovnjaki prejmejo pri opravljanju nalog, se ne smejo izdati nobeni drugi osebi ali organu, razen v obliki povzetka ali v združeni obliki, z izjemo primerov, za katere velja kazensko pravo ali ta direktiva.
This shall not, however, prevent the competent authorities from exchanging or transmitting confidential information in accordance with national and Union law.
To pa pristojnim organom ne preprečuje, da bi v skladu z nacionalnim pravom in pravom Unije izmenjavali ali pošiljali zaupne informacije.
Member States shall ensure that the authorities designated as competent for ensuring the application and enforcement of Articles 9, 29, 32, 33, 34 and 35 of this Directive are either or both of the following:
Države članice zagotovijo, da so organi, imenovani za pristojne za zagotavljanje uporabe in izvajanja členov 9, 29, 32, 33, 34 in 35 te direktive eno ali oboje od naslednjega:
competent authorities as defined in Article 4(2) of Regulation (EU) No 1093/2010;
pristojni organi, kot so opredeljeni v členu 4(2) Uredbe (EU) št. 1093/2010;
authorities other than the competent authorities referred to in point (a) provided that national laws, regulations or administrative provisions require those authorities to cooperate with the competent authorities referred to in point (a) whenever necessary in order to carry out their duties under this Directive, including for the purposes of cooperating with the European Supervisory Authority (European Banking Authority) (EBA) as required under this Directive.
organi, ki niso pristojni organi iz točke (a), pod pogojem, da je z nacionalnimi zakoni, upravnimi ali drugimi predpisi določeno, da morajo ti organi zaradi izvajanja nalog iz te direktive, tudi za namene sodelovanja z evropskim nadzornim organom (Evropski bančni organ) (EBA) v skladu s to direktivo, po potrebi sodelovati s pristojnimi organi iz točke (a).
Member States shall inform the Commission and EBA of the designation of the competent authorities and any changes thereto, indicating any division of the respective duties between different competent authorities.
Države članice Komisijo in EBA obvestijo o imenovanju pristojnih organov in vseh spremembah v zvezi s tem, pri čemer navedejo morebitno razdelitev zadevnih nalog med različne pristojne organe.
The first such notification shall be made as soon as possible and at the latest on 21 March 2016.
Prvič to storijo čim prej in najpozneje 21. marca 2016.
The competent authorities shall exercise their powers in conformity with national law either:
Pristojni organi v skladu z nacionalnim pravom pooblastila izvajajo bodisi:
directly under their own authority or under the supervision of the judicial authorities; or
neposredno v okviru lastne odgovornosti ali pod nadzorom sodnih organov ali
by application to courts which are competent to grant the necessary decision, including, where appropriate, by appeal, if the application to grant the necessary decision is not successful, except for Articles 9, 29, 32, 33, 34 and 35.
tako, da zaprosijo sodišče, ki je pristojno za izdajo potrebnih odločb in po potrebi vložijo tudi pritožbo, če prošnji za izdajo potrebne odločbe ni ugodeno, razen v zvezi s členi 9, 29, 32, 33, 34 in 35.
Where there is more than one competent authority on their territory, Member States shall ensure that their respective duties are clearly defined and that those authorities collaborate closely so that they can discharge their respective duties effectively.
Kadar je na njihovem ozemlju več kot en pristojni organ, države članice zagotovijo, da so naloge vsakega organa jasno opredeljene in da ti organi tesno sodelujejo, zato da lahko učinkovito opravljajo svoje naloge.
The Commission shall publish a list of the competent authorities in the Official Journal of the European Union at least once a year, and update it continuously on its website.
Komisija objavi seznam pristojnih organov v Uradnem listu Evropske unije vsaj enkrat letno in ga na svoji spletni strani stalno posodablja.
FINANCIAL EDUCATION
FINANČNO IZOBRAŽEVANJE
Financial education of consumers
Finančno izobraževanje potrošnikov
Member States shall promote measures that support the education of consumers in relation to responsible borrowing and debt management, in particular in relation to mortgage credit agreements.
Države članice spodbujajo ukrepe za podporo izobraževanju potrošnikov o odgovornem najemanju kreditov in upravljanju dolgov, zlasti v zvezi s pogodbami o hipotekarnih kreditih.
Clear and general information on the credit granting process is necessary in order to guide consumers, especially those who take out a mortgage credit for the first time.
Potrošniki, zlasti tisti, ki prvič najemajo hipotekarni kredit.
Information regarding the guidance that consumer organisations and national authorities may provide to consumers, is also necessary.
Potrebne so tudi informacije o smernicah, ki jih potrošnikom lahko zagotavljajo organizacije potrošnikov in nacionalni organi.
The Commission shall publish an assessment of the financial education available to consumers in the Member States and identify examples of best practices which could be further developed in order to increase the financial awareness of consumers.
Komisija objavi oceno finančnih izobraževanj, ki so na voljo potrošnikom v državah članicah, in določi primere najboljših praks, ki bi jih bilo mogoče nadalje razviti, da bi izboljšali finančno ozaveščenost potrošnikov.
CONDITIONS APPLICABLE TO CREDITORS, CREDIT INTERMEDIARIES AND APPOINTED REPRESENTATIVES
POGOJI, KI VELJAJO ZA DAJALCE KREDITOV, KREDITNE POSREDNIKE IN IMENOVANE PREDSTAVNIKE
Conduct of business obligations when providing credit to consumers
Obveznosti v zvezi z opravljanjem poslov pri dajanju kreditov potrošnikom
Member States shall require that when manufacturing credit products or granting, intermediating or providing advisory services on credit and, where appropriate, ancillary services to consumers or when executing a credit agreement, the creditor, credit intermediary or appointed representative acts honestly, fairly, transparently and professionally, taking account of the rights and interests of the consumers.
Države članice zahtevajo, da dajalec kredita, kreditni posrednik ali imenovani zastopnik pri sestavljanju kreditov ali odobritvi, posredovanju ali zagotavljanju svetovalnih storitev v zvezi s kreditom in, kadar je primerno, pomožnih storitev potrošnikom oziroma pri izvajanju kreditne pogodbe deluje pošteno, pravično, pregledno in profesionalno ter pri tem upošteva pravice in interese potrošnikov.
In relation to the granting, intermediating or provision of advisory services on credit and, where appropriate, of ancillary services the activities shall be based on information about the consumer’s circumstances and any specific requirement made known by a consumer and on reasonable assumptions about risks to the consumer’s situation over the term of the credit agreement.
V zvezi z odobritvijo, posredovanjem ali zagotavljanjem svetovalnih storitev v zvezi s kreditom ter, kadar je primerno, pomožnih storitev, dejavnosti temeljijo na informacijah o položaju potrošnika in morebitnih posebnih zahtevah, ki jih izrazi potrošnik, ter smiselnih predpostavkah o tveganjih glede potrošnikovega položaja med trajanjem kreditne pogodbe.
In relation to such provision of advisory services, the activity shall in addition be based on the information required under point (a) of Article 22(3).
V zvezi s tovrstnim zagotavljanjem svetovalnih storitev dejavnost temelji tudi na informacijah, potrebnih v skladu s točko (a) člena 22(3).
Member States shall ensure that the manner in which creditors remunerate their staff and credit intermediaries and the manner in which credit intermediaries remunerate their staff and appointed representatives do not impede compliance with the obligation set out in paragraph 1.
Države članice zagotovijo, da način, kako dajalci kreditov plačujejo svoje osebje in kreditne posrednike, ter način, kako kreditni posredniki plačujejo svoje osebje in imenovane zastopnike, ne ovirata izpolnjevanja obveznosti iz odstavka 1.
Member States shall ensure that, when establishing and applying remuneration policies for staff responsible for the assessment of creditworthiness, creditors comply with the following principles in a way and to the extent that is appropriate to their size, internal organisation and the nature, scope and complexity of their activities:
Države članice zagotovijo, da dajalci kreditov ob določanju in izvajanju plačnih politik za osebje, pristojno za oceno kreditne sposobnosti, upoštevajo naslednja načela na način in v obsegu, ki sta primerna njihovi velikosti, notranji organizaciji ter naravi, obsegu in kompleksnosti njihovih dejavnosti:
the remuneration policy is consistent with and promotes sound and effective risk management and does not encourage risk-taking that exceeds the level of tolerated risk of the creditor;
plačna politika je skladna z ustreznim in učinkovitim obvladovanjem tveganj in ga spodbuja, ne spodbuja pa prevzemanja tveganja, ki presega raven sprejemljivega tveganja za dajalca kredita;
the remuneration policy is in line with the business strategy, objectives, values and long-term interests of the creditor, and incorporates measures to avoid conflicts of interest, in particular by providing that remuneration is not contingent on the number or proportion of applications accepted.
plačna politika je skladna s poslovno strategijo, cilji, vrednotami in dolgoročnimi interesi dajalca kredita ter vključuje ukrepe za preprečevanje navzkrižja interesov, zlasti z zagotavljanjem, da plačilo ni vezano na število ali razmerje sprejetih vlog.
Member States shall ensure that where creditors, credit intermediaries or appointed representatives provide advisory services the remuneration structure of the staff involved does not prejudice their ability to act in the consumer’s best interest and in particular is not contingent on sales targets.
Kadar dajalci kreditov, kreditni posredniki ali njihovi imenovani zastopniki nudijo svetovalne storitve, države članice zagotovijo, da struktura plačil za zadevno osebje ne vpliva na njihovo sposobnost, da ravnajo v najboljšem interesu potrošnikov, še zlasti pa ni vezana na prodajne cilje.
In order to achieve that goal, Member States may in addition ban commissions paid by the creditor to the credit intermediary.
Da bi dosegle ta cilj, lahko države članice poleg tega prepovedo, da dajalci kreditov plačujejo provizije kreditnim posrednikom.
Member States may prohibit or impose restrictions on payments from a consumer to a creditor or credit intermediary prior to the conclusion of a credit agreement.
Države članice lahko prepovejo ali uvedejo omejitve plačil potrošnika dajalcu kredita ali kreditnemu posredniku pred sklenitvijo kreditne pogodbe.
Obligation to provide information free of charge to consumers
Obveznost brezplačnega zagotavljanja informacij potrošnikom
Member States shall ensure that, when information is provided to consumers in compliance with the requirements set out in this Directive, such information is provided without charge to the consumer.
Države članice zagotovijo, da so informacije, ki jih potrošnik prejme v skladu z zahtevami iz te direktive, zagotovljene brezplačno.
Knowledge and competence requirements for staff
Zahteve glede znanja in usposobljenosti osebja
Member States shall ensure that creditors, credit intermediaries and appointed representatives require their staff to possess and to keep up-to-date an appropriate level of knowledge and competence in relation to the manufacturing, the offering or granting of credit agreements, the carrying out of credit intermediation activities set out in point 5 of Article 4 or the provision of advisory services.
Države članice zagotovijo, da dajalci kreditov, kreditni posredniki in imenovani predstavniki od svojega osebja zahtevajo, da ima in redno posodablja ustrezno raven znanja in usposobljenosti v zvezi s sestavljanjem, ponujanjem ali odobritvijo kreditnih pogodb, opravljanjem dejavnosti kreditnega posredništva, kot je določeno v točki 5 člena 4, ali zagotavljanjem svetovalnih storitev.
Where the conclusion of a credit agreement includes an ancillary service, appropriate knowledge and competence in relation to that ancillary service shall be required.
Kadar sklepanje kreditnih pogodb vključuje pomožne storitve, se zahtevata tudi ustrezno znanje in usposobljenost v zvezi s temi pomožnimi storitvami.
Except in the circumstances referred to in paragraph 3, home Member States shall establish minimum knowledge and competence requirements for creditors’, credit intermediaries’ and appointed representatives’ staff in accordance with the principles set out in Annex III.
Razen v okoliščinah iz odstavka 3 matične države članice v skladu z načeli iz Priloge III določijo minimalne zahteve glede znanja in usposobljenosti za osebje dajalcev kreditov, kreditnih posrednikov in imenovanih predstavnikov.
Where a creditor or credit intermediary provides its services within the territory of one or more other Member States:
Kadar dajalec kredita ali kreditni posrednik opravlja storitve na ozemlju druge države članice oziroma drugih držav članic:
through a branch, the host Member State shall be responsible for establishing the minimum knowledge and competence requirements applicable to the staff of a branch;
prek podružnice, je za določitev minimalnih zahtev glede znanja in usposobljenosti osebja te podružnice pristojna država članica gostiteljica;
under the freedom to provide services, the home Member State shall be responsible for establishing the minimum knowledge and competence requirements applicable to the staff in accordance with Annex III, however host Member States may establish the minimum knowledge and competence requirements for those requirements referred to in points (b), (c), (e) and (f) of paragraph 1 of Annex III.
na podlagi načela svobode opravljanja storitev, je za določitev minimalnih zahtev glede znanja in usposobljenosti v skladu s Prilogo III pristojna matična država članica, vendar lahko države članice gostiteljice določijo minimalne zahteve glede znanja in usposobljenosti za zahteve iz točk (b), (c), (e) in (f) odstavka 1 Priloge III.
Member States shall ensure that compliance with the requirements of paragraph 1 is supervised by the competent authorities, and that the competent authorities have powers to require creditors, credit intermediaries and appointed representatives to provide such evidence as the competent authority deems necessary to enable such supervision.
Države članice zagotovijo, da pristojni organi nadzorujejo izpolnjevanje zahtev iz odstavka 1 in da lahko pristojni organi od dajalcev kreditov, kreditnih posrednikov in imenovanih predstavnikov zahtevajo, da pristojnemu organu predložijo dokazila, ki so po njegovem mnenju potrebna za takšen nadzor.
For the effective supervision of creditors and credit intermediaries providing their services within the territory of other Member States under the freedom to provide services, the competent authorities of the host and the home Member States shall cooperate closely for the effective supervision and enforcement of the minimum knowledge and competence requirements of the host Member State.
Za učinkovit nadzor dajalcev kreditov in kreditnih posrednikov, ki na podlagi svobode opravljanja storitev svoje storitve opravljajo na ozemlju drugih držav članic, pristojni organi države članice gostiteljice in matične države članice tesno sodelujejo, da bi zagotovili učinkovit nadzor in uveljavljanje minimalnih zahtev glede znanja in usposobljenosti, ki jih določi država članica gostiteljica.