natgillin/translations-raw huggingface dataset:
Alignment of interest between the managing authority, the financial intermediary and the financial institution shall be achieved through:
Finančni posredniki so javni in zasebni subjekti s sedežem v državi članici, ki so zakonsko pooblaščeni za zagotavljanje jamstev za posojila podjetjem, ki poslujejo na ozemlju izvajanja programa, ki prispeva k finančnemu instrumentu.
The own credit risk retained by the financial institution in no case shall be less than 20 % on a loan by loan basis.
Finančne institucije so javni in zasebni subjekti s sedežem v državi članici, ki so zakonsko pooblaščeni za zagotavljanje posojil podjetjem, ki poslujejo na ozemlju izvajanja programa, ki prispeva k finančnemu instrumentu.
The financial institution commits to build up a portfolio of new loans with its own resources.
Upravičenost končnega prejemnika (končnih prejemnikov)
The financial advantage of the Capped Guarantee is fully passed on to final recipient SMEs.
Končni prejemniki so upravičeni na podlagi zakonodaje Unije in nacionalne zakonodaje, ustreznega programa in sporazuma o financiranju.
Performance fees for financial intermediary as provided by Articles 12 and 13 of Delegated Regulation (EU) No 480/2014.
Končni prejemniki na datum podpisa dokumenta o zadevnem jamstvu MSP, tj. zavezi za jamstvo, izpolnjujejo naslednja merila za upravičenost:
Eligible Financial Intermediaries and Financial Institutions
končni prejemnik je mikro, malo ali srednje podjetje (v nadaljnjem besedilu: MSP (vključno s samostojnimi podjetniki/samozaposlenimi)), kakor je opredeljeno v Priporočilu Komisije 2003/361/ES [2];
Financial intermediaries shall be public and private bodies established in a Member State which are legally authorised to provide guarantees on loans to enterprises operating in the jurisdiction of the programme which contributes to the financial instrument.
končni prejemnik ni MSP, dejavno v sektorjih iz točk (d) do (f) člena 1 uredbe de minimis;
Financial institutions shall be public and private bodies established in a Member States which are legally authorised to provide loans to enterprises operating in the jurisdiction of the programme which contributes to the financial instrument.
končni prejemnik ne pripada kateremu od omejenih sektorjev [3];
Final Recipient (final recipients) eligibility
končni prejemnik ni podjetje v težavah, kakor je opredeljeno v pravilih o državni pomoči;
The final recipients shall be eligible under Union and national law, the relevant programme, and funding agreement.
Končni prejemniki imajo v času naložbe in med vračanjem zajamčenega posojila registrirani sedež v državi članici, gospodarska dejavnost, za katero je bilo zajamčeno posojilo izplačano, pa se izvaja v zadevni državi članici in regiji/na ozemlju izvajanja programa sklada ESI.
The final recipients shall fulfil the following eligibility criteria at the date of the document evidencing the relevant SME guarantee, meaning the guarantee commitment:
Finančna institucija končnim prejemnikom zagotovi posojila, ki prispevajo k ciljem programa in za katera program jamči v okviru omejenega portfeljskega jamstva.
shall be a micro, small and medium enterprise (SMEs (including individual entrepreneurs/self-employed persons) as defined in the Commission Recommendation 2003/361/EC [2].
Pogoji jamstev in posojil se določijo na podlagi predhodne ocene iz člena 37(2) Uredbe (EU) št. 1303/2013.
shall not be a SME active in the sectors defined in points (d)-(f) of Article 1 of the de minimis Regulation.
naložbe v opredmetena in neopredmetena sredstva, vključno s prenosom lastninskih pravic v podjetjih, če se takšen prenos izvede med neodvisnimi vlagatelji;
shall not be part of one or more restricted sectors [3].
obratni kapital, povezan z razvojem ali razširitvijo dejavnosti, ki so pomožne dejavnostim iz točke (a) (in z njimi povezane) (njihova pomožna narava je med drugim razvidna iz poslovnega načrta MSP in zneska financiranja).
shall not be a firm in difficulty as defined by State aid rule.
posojila so na novo odobrena in ne vključujejo refinanciranja obstoječih posojil;
In addition, at the time of the investment and during the reimbursement of the guaranteed loan, final recipients shall have a registered place of business in a Member State and the economic activity for which the guaranteed loan was disbursed shall be located in the relevant Member State and Region/Jurisdiction of the ESIF programme.
zajamčeni del osnovnega posojila, vključenega v portfelj, (i) znaša največ 1500000 EUR na podlagi predhodne ocene in (ii) se zagotovi pod takimi pogoji, da bruto ekvivalent nepovratnih sredstev pri posameznem končnem prejemniku ne preseže 200000 EUR (ali 100000 EUR v sektorju cestnega tovornega prometa in 30000 EUR v sektorju ribištva in ribogojstva) v katerem koli obdobju treh poslovnih let.
The financial institution shall deliver to final recipients the loans that contribute to the objective of the programme and that are guaranteed by the programme under the Capped guarantee portfolio.
Upravičena MSP bi potencialno lahko večkrat zaprosila za posojilo v okviru tega finančnega instrumenta, pod pogojem, da je navedena zgornja meja bruto ekvivalenta nepovratnih sredstev v celoti upoštevana;
The terms of the guarantees and of the loans shall be grounded on the ex-ante assessment referred to in Article 37(2) of Regulation (EU) No 1303/2013.
posojila se odplačujejo v skladu z načrtom odplačevanja, vključno z rednimi amortizacijskimi odplačili in/ali odplačili v enkratnem znesku;
Investments in tangible and intangible assets including transfer of proprietary rights in enterprises provided that such transfer takes place between independent investors.
zapadlost posojil je najmanj 12 mesecev in največ 120 mesecev.
Working capital related to development or expansion activities that are ancillary (and linked) to activities referred to in (a) above (which ancillary nature shall be evidenced, inter alia, by the business plan of the final recipient and the amount of the financing).
Poročanje in ciljni rezultati
Loans shall be newly originated, to the exclusion of refinancing existing loans.
Poročilo vključuje vse ustrezne elemente, na podlagi katerih organ upravljanja izpolni pogoje iz člena 46 Uredbe (EU) št. 1303/2013.
The guaranteed part of the underlying loan included in the portfolio i) shall be up to EUR 1500000 based on the ex-ante assessment and ii) shall be provided under such conditions that would not cause the GGE with respect to each final recipient to exceed EUR 200000 (or EUR 100000 in the road freight transport and EUR 30000 in the fishery and aquaculture sectors) over any period of three fiscal years.
Pri jamstvenem skladu se merjenje kazalnikov in poročanje o njih izvaja vsaj vsako četrtletje, usklajeni pa morajo biti vsaj z regulativnimi zahtevami.
Eligible SMEs could potentially apply more than once for loans allocated in the context of this financial instrument provided that the above-mentioned GGE limit is fully respected.
Ostali kazalniki, poleg skupnih kazalnikov prednostne osi programa sklada ESI (povečanje zaposlovanja, število MSP ...), so:
Shall have a repayment schedule, including regular amortising and/or bullet payments.
število zajamčenih posojil,
Shall have between a minimum maturity of 12 months and a maximum maturity of 120 months.
obseg zajamčenih posojil,
Reporting and targeted results.
število neodplačanih posojil,
The report shall include all the relevant elements for the managing authority to fulfil the provisions of Article 46 of Regulation (EU) No 1303/2013.
vrednost neodplačanih posojil,
They shall be measured and reported at least quarterly for the guarantee fund and aligned as a minimum with the regulation requirements.
odobrena/uveljavljena jamstva (število, zneski),
In addition to the common indicators of the priority axis of the ESIF programme (employment increase, number of SMEs,…) other indicators are:
nevplačana sredstva in dobički (npr. ustvarjene obresti).
Numbers of loans guaranteed
Finančna ugodnost javnega prispevka iz programa se v celoti prenese na končne prejemnike (koristi jamstva).
Volume of the loans guaranteed
Finančna ugodnost za upravičena MSP je razvidna iz znižanja splošne obrestne mere, ki jo zahteva finančna institucija, in/ali zmanjšanja zavarovanja s premoženjem za zadevno posojilo MSP.
Number of loans defaulted
Ta načela so upoštevana v sporazumih med organom upravljanja ali skladom skladov in finančnimi posredniki ter med finančnimi posredniki in finančnimi institucijami, ki oblikujejo portfelje novih posojil.
Value of the loans defaulted
Izraz „omejeni sektorji“ se skupaj nanaša na naslednje gospodarske sektorje:
Guarantees committed/called (number, amounts)
nezakonite gospodarske dejavnosti:
Resources uncalled and gains (e.g. interest generated)
vsaka proizvodnja, trgovanje ali druga dejavnost, ki je nezakonita v skladu z nacionalnimi zakoni ali predpisi, veljavnimi za zadevno proizvodnjo, trgovanje ali dejavnost.(b) Tobak in destilirane alkoholne pijače.
The financial advantage of the programme public contribution to the instrument shall be fully passed on to the final recipients (benefit of the guarantee).
PRILOGA IV
The financial advantage for the eligible SMEs shall be evidenced by a reduction of the overall interest rate required by the financial institution and/or collateral reduction on such SME loan.
Posojilo za energetsko učinkovitost in energijo iz obnovljivih virov v sektorju stanovanjskih stavb (v nadaljnjem besedilu: posojilo za obnovo)
These principles shall be reflected in the agreements between the managing authority or fund of funds and the financial intermediaries and between the financial intermediaries and the financial institutions building up portfolios of new loans.
Shematski prikaz načela posojila za obnovo
The following economic sectors are together referred to as the ‘restricted sectors’:
Prispevek iz programa
illegal economic activities:
Prispevek iz programa za posojila
any production, trade or other activity, which is illegal under the laws or regulations of the home jurisdiction for such production, trade or activity.(b) Tobacco and distilled alcoholic beverages.
Prispevek za posojilo za obnovo (v skladu s stopnjo porazdelitve tveganja)
ANNEX IV
Posojila za projekte pod tržno obrestno mero *
Loan for energy efficiency and renewable energies in the residential building sector (Renovation loan)
Tehnična pomoč in subvenc. obrestna mera
Schematic representation of the Renovation loan principle
Posojilo za obnovo je v obliki posojilnega sklada, ki ga s prispevki iz programa in lastnimi prispevki vzpostavi finančni posrednik za financiranje portfelja na novo odobrenih posojil in ne vključuje refinanciranja obstoječih posojil.
Programme Contribution
Posojilo za obnovo je na voljo v okviru operacije, ki je del prednostne osi, opredeljene v programu, ki ga sofinancira sklad ESI, in je opredeljena v okviru predhodne ocene iz člena 37 Uredbe (EU) št. 1303/2013.
Programme contribution for loans
Cilj instrumenta je ponuditi preferenčna posojila fizičnim in pravnim osebam ali izvajalcem samostojne dejavnosti, ki so solastniki stanovanjskih stavb (stanovanja, socialnega stanovanja ali posameznega gospodinjstva), pa tudi upraviteljem ali drugim pravnim organom, ki delujejo v imenu in za račun lastnikov, za izvedbo obnovitvenih del, upravičenih do podpore iz skladov ESI.
Renovation Loan Contribution (according to the Risk Sharing rate)
Prispevek, ki ga organ upravljanja finančnemu posredniku zagotovi iz programa sklada ESI, ne sme izrinjati financiranja, ki je na voljo pri drugih zasebnih ali javnih vlagateljih.
Loans to projects below market interest rate *
Program sklada ESI finančnemu posredniku zagotovi financiranje za oblikovanje portfelja na novo odobrenih posojil ter za sodelovanje pri izgubah/neizpolnjevanju obveznosti in postopkih izterjave v zvezi s posojili v zadevnem portfelju za posamezno posojilo in v deležu, ki je enak prispevku programa v instrumentu.
Technical support & Interest rate subsidy
Če so zadevna sredstva javna, je treba v zvezi z njimi spoštovati tudi pravila o državni pomoči.
The Renovation loan shall take the form of a loan fund to be set up by a financial intermediary with contributions from the programme and the financial intermediary itself to finance a portfolio of newly originated loans, to the exclusion of the refinancing of existing loans.
Posojilo za obnovo je zasnovano kot instrument brez državne pomoči, tj. plačilo finančnemu posredniku je skladno s tržnimi pogoji, finančna ugodnost se v celoti prenese s finančnega posrednika na končne prejemnike in za financiranje končnih prejemnikov se uporablja zadevna uredba de minimis.
The Renovation loan shall be made available, in the framework of the operation which is part of the priority axis defined in the programme funded by the ESIF and defined in the context of the ex-ante assessment required in Article 37 of Regulation (EU) No 1303/2013.
finančni posrednik in organ upravljanja ali sklad skladov v katerem koli trenutku nosita izgube in koristi sorazmerno s svojim prispevkom, udeležba finančnega posrednika v instrumentu posojila za obnovo pa je gospodarsko pomembna, in
The aim of the instrument is to offer preferential loans to natural and legal persons or independent professionals owning premises (apartment, social housing or individual household), as well as administrators or other legal bodies acting on behalf and for the benefit of the owners in order to undertake renovation works that are eligible for ESIF support.
plačilo (tj. stroškov upravljanja in/ali provizije za upravljanje) finančnemu posredniku in skladu skladov odraža trenutno tržno plačilo v primerljivih razmerah, tj. kadar sta izbrana z odprtim, preglednim, nediskriminatornim in objektivnim izbirnim postopkom oziroma je plačilo skladno s členoma 12 in 13 Delegirane uredbe (EU) št. 480/2014 in država ni dodelila nobenih drugih ugodnosti.
The ESIF programme contribution from the managing authority to a financial intermediary shall not crowd out financing available from other private or public investors.
Pomoč na ravni subjekta, ki deluje v imenu lastnikov (tj. fizične in pravne osebe, izvajalci samostojne dejavnosti, ki imajo v lasti nepremičnine, upravitelji, drugi pravni organi):
The ESIF programme shall provide funding to the financial intermediary in order to build up a portfolio of newly generated loans, and in parallel, participate in the losses/defaults and recoveries on the loans in this portfolio on a loan by loan basis and in the same proportion as the programme contribution in the instrument.
Pomoč na ravni subjekta, ki deluje v imenu lastnikov, je izključena, če:
State aid rules have to be respected also in relation to such resources if they are public resources.
subjekt nima koristi od katerega koli neposrednega prenosa javne podpore in
The Renovation Loan shall be designed as a State aid free instrument, i.e. market-conform remuneration for the financial intermediary, full pass-on of financial advantage by the financial intermediary to the final recipients, and the financing provided to the final recipients are under the applicable de minimis Regulation.
subjekt vse finančne ugodnosti javnega prispevka iz programa prenese na končne upravičence.
the financial intermediary and the managing authority or fund of funds bear at any time the losses and benefits in proportion to their contribution (pro-rata) and there is an economically significant participation of the financial intermediary in the Renovation loan instrument, and
Pomoč na ravni lastnikov, bodisi da opravljajo gospodarsko dejavnost ali ne (pravne osebe ali izvajalci samostojne dejavnosti, najemodajalci in lastniki, ki preidejo na energijo iz obnovljivih virov in del proizvedene energije dobavljajo v omrežje):
The remuneration (i.e. management costs and/or fees) of the financial intermediary and the fund of funds reflects the current market remuneration in comparable situations, which is the case when the they have been selected through an open, transparent, non-discriminatory and objective selection procedure or if their remuneration is aligned with the Articles 12 and 13 of Delegated Regulation (EU) No 480/2014 and no other advantages are granted by the State.
Lastniki, ki so fizične osebe in se ne štejejo za podjetja, ker ne opravljajo gospodarske dejavnosti, se ne štejejo za upravičence državne pomoči.
Aid at the level of an entity acting on behalf of the owners (i.e. natural and legal persons, independent professionals owning premises, administrators, other legal bodies):
Lastniki, ki opravljajo gospodarsko dejavnost, se štejejo za „podjetje“, zato zanje veljajo pravila o državni pomoči.
Aid at the level of an entity acting on behalf of the owners is excluded when:
To velja zlasti v primeru, če so najemodajalci (najem je gospodarska dejavnost), in v primeru, da se pri prehodu na energijo iz obnovljivih virov del proizvedene energije iz obnovljivih virov dobavlja v omrežje (dobava energije v omrežje je gospodarska dejavnost).
the entity does not benefit from any direct transfers of public support and
Pomoč na ravni lastnikov z gospodarsko dejavnostjo mora biti skladu s pravili de minimis.
The entity transfers all the financial advantages of the programme public contribution to the final recipients
Finančni posrednik za vsako posojilo, ki je vključeno v portfelj in se nanaša na lastnike z gospodarsko dejavnostjo, izračuna bruto ekvivalent nepovratnih sredstev z naslednjo metodologijo izračuna:
At the level of the owners without or with an economic activity (legal person or independent professionals, landlords and owners who install renewable energies, supplying part of the energy produced to the grid):
Kadar se za namene instrumenta posojila za obnovo bruto ekvivalent nepovratnih sredstev izračuna z navedeno formulo, se šteje, da je zahteva iz člena 4 uredbe de minimis [1]izpolnjena.
Owners that are natural persons and which are not considered undertakings because they do not exercise an economic activity are not considered to be beneficiaries of State aid.
Skupni znesek pomoči, izračunan na podlagi bruto ekvivalenta nepovratnih sredstev, ne sme presegati zneska 200000 EUR v obdobju treh poslovnih let ob upoštevanju pravila o kumulaciji za končne prejemnike iz uredbe de minimis.
Owners with an economic activity qualify as an ‘undertaking’ and are subject to State aid rules.
Organ upravljanja po podpisu sporazuma o financiranju s skladom skladov ali finančnim posrednikom javne prispevke iz programa prenese na sklad skladov ali finančnega posrednika, ki zadevne prispevke vloži v namenski posojilni sklad za obnovo.
In particular, this is the case if they are landlords (renting is an economic activity) and in the case of installing renewable energies, if part of the renewable energies produced is supplied to the grid (supplying energy to the grid is considered an economic activity).
Ciljni obseg posojila in razpon obrestne mere se potrdita v okviru predhodne ocene v skladu s členom 37 Uredbe (EU) št. 1303/2013 in se upoštevata pri določitvi narave instrumenta (obnovljivi ali neobnovljivi instrument).
At the level of the owners with an economic activity, the aid shall comply with the de minimis rules.
Najvišja stopnja delitve tveganja finančnega instrumenta v razmerju do končnih prejemnikov je 85 % (tj. finančni posrednik z lastnimi sredstvi zagotovi vsaj 15 %).
For each loan inserted within the portfolio regarding owners with an economic activity, the financial intermediary shall calculate the GGE by using the following calculation methodology:
Finančni posrednik mora v vnaprej določenem omejenem časovnem obdobju oblikovati portfelj novih posojil, ki je financiran v skladu s stopnjo porazdelitve tveganja, dogovorjeno v sporazumu o financiranju (tj. financiran (i) s prispevkom iz programa, (ii) iz lastnega sklada finančnega posrednika).
When the GGE is calculated with the above mentioned formula, for the purpose of the Renovation loan instrument, the requirement as foreseen in Article 4 of the de minimis Regulation [1]is considered to be met.
Upravičena posojila, ki so v skladu z merili za upravičenost na ravni posameznega posojila in portfelja določena vnaprej, so samodejno vključena v portfelj s predložitvijo obvestil o vključitvi vsaj vsako četrtletje.
The total amount of aid calculated with the GGE cannot be above EUR 200000 over a 3 years fiscal period taking into account the cumulation rule for final recipients in the de minimis Regulation.
Finančni posrednik z namenom, da se zmanjša nedelovanje trga, ugotovljeno v predhodni oceni (člen 37 Uredbe (EU) št. 1303/2013), in ob ohranjanju skladnosti s finančnimi interesi in cilji politike organa upravljanja, izvaja skladno posojilno politiko (zlasti glede razpršitve portfelja), ki omogoča dobro upravljanje kreditnega portfelja in razpršenost tveganja.
Following the signature of a funding agreement between the managing authority and the fund of funds or the financial intermediary, the relevant managing authority transfers public contributions from the programme to the fund of funds or the financial intermediary which places such contributions in a dedicated Renovation loan fund.
Če se viri obnavljajo v okviru istega finančnega instrumenta, se zneski, ki se lahko pripišejo podpori sklada ESI in jih finančni posrednik v časovnem okviru za naložbe povrne in/ali izterja iz naslova posojil končnim prejemnikom, praviloma dajo na voljo za novo uporabo v okviru istega finančnega instrumenta.
The target lending volume and range of interest rate shall be confirmed within the ex-ante assessment in accordance with Article 37 of Regulation (EU) No 1303/2013 and shall be taken into account to determine the nature of the instrument (revolving or non-revolving instrument).
Ta pristop obnavljanja iz členov 44 in 45 Uredbe (EU) št. 1303/2013 se vključi v sporazum o financiranju.
The maximum risk-sharing of the financial instrument towards the final recipients shall be 85 % (i.e. at least 15 % shall be provided by the financial intermediary own funds).
Če se viri organu upravljanja ali skladu skladov vrnejo neposredno, se vračila izvajajo redno in odražajo naslednje elemente:
The financial intermediary shall be required to originate within a pre-determined limited period of time a portfolio of new loans funded according to a risk-sharing rate agreed in the funding agreement (i.e. funded by (i) the programme contribution) (ii) the financial intermediary own fund).
vračila glavnice (sorazmerno na podlagi stopnje porazdelitve tveganja), (ii) morebitne izterjane zneske in odbitke izgub (v skladu s stopnjo porazdelitve tveganja) iz naslova posojil za obnovo in (iii) morebitna plačila obrestnih mer.
Eligible loans pre-defined according to eligibility criteria on a loan-by-loan basis and portfolio level shall be automatically included in the portfolio by way of submitting inclusion notices at least on a quarterly basis.
Finančni posrednik za vsako neodplačano posojilo, ki je sofinancirano s posojilom za obnovo, izvede postopke izterjave v skladu s svojimi internimi smernicami in postopki.
The financial intermediary shall implement a consistent lending policy, especially regarding portfolio composition enabling a sound credit portfolio management and risk diversification, while aiming at reducing the market failure identified in the ex-ante assessment (referring to Article 37 of Regulation (EU) No 1303/2013) and while remaining aligned with the managing authority's financial interests and policy objectives.
Zneski, ki jih izterja finančni posrednik (brez morebitnih stroškov izterjave in zasega), se sorazmerno s porazdelitvijo tveganja dodelijo finančnemu posredniku in organu upravljanja ali skladu skladov.
When revolving within the same financial instrument, as a matter of principles, the amounts that are attributable to the support of the ESIF and that are reimbursed and/or recovered by the financial intermediary from loans to final recipients within the time framework for investments shall be made available for new use within the same financial instrument.
Obresti in drugi dobički, ki jih ustvari podpora iz skladov ESI finančnim instrumentom, se uporabijo v skladu s členom 43 Uredbe (EU) št. 1303/2013.