natgillin/translations-raw huggingface dataset:
Member States should be free to maintain or introduce national law where no harmonised provisions exist, for instance information requirements on the level of usury rates at the pre-contractual stage or information which might be useful for the purposes of financial education or for out-of-court settlements.
Kadar harmonizirane določbe ne obstajajo, bi moralo biti državam članicam dovoljeno, da obdržijo ali sprejmejo nacionalno pravo; tako lahko na primer zahtevajo, da se informacije o ravni oderuških obresti zagotovijo v predpogodbeni fazi ali da se zagotovijo informacije, ki utegnejo biti koristne za namene finančnega izobraževanja ali za izvensodno reševanje sporov.
Any additional information should, however, be given in a separate document which may be annexed to the ESIS.
Vendar bi bilo treba vse dodatne informacije navesti v ločenem dokumentu, ki se lahko priloži ESIS.
Member States should be able, in their national languages, to use different vocabulary in the ESIS, without changing its contents and the order in which information is provided, when this is needed in order to employ a language which might be more easily understandable for consumers.
Države članice bi morale imeti možnost, da za ESIS v svojem jeziku uporabljajo drugačne besede, ne da bi spremenile njegovo vsebino in vrstni red v njem navedenih informacij, če je to potrebno zaradi uporabe jezika, ki bi utegnil biti potrošniku lažje razumljiv.
In order to ensure that the ESIS provides the consumer with all relevant information to make an informed choice, the creditor should follow the instructions set out in this Directive when completing the ESIS.
Pri izpolnjevanju ESIS bi dajalec kredita moral upoštevati navodila iz te direktive, s čimer bi zagotovil, da ima potrošnik z ESIS na voljo vse zadevne informacije, ki jih potrebuje za utemeljeno odločitev.
Member States should be able to elaborate or further specify the instructions for completing the ESIS on the basis of the instructions set out in this Directive.
Države članice bi morale imeti možnost, da na podlagi navodil iz te direktive dopolnijo ali natančneje opredelijo navodila za izpolnjevanje ESIS.
For instance, Member States should be able to further specify the information to be given in order to describe the ‘type of borrowing rate’ in order to take into account the specificities of the national products and market.
Države članice bi morale imeti možnost, da na primer natančneje opredelijo informacije, ki so potrebne za opis „vrste posojilne obrestne mere“, zato da bi upoštevale posebnosti nacionalnih produktov in trga.
However, such further specifications should not be contrary to the instructions contained in this Directive nor imply any change in the text of the ESIS model, which should be reproduced as such by the creditor.
Vendar takšne natančnejše opredelitve ne bi smele biti v nasprotju z navodili iz te direktive niti se ne bi smelo zaradi njih spremeniti besedilo vzorca ESIS, ki bi ga kot takega moral uporabiti dajalec kredita.
Member States should be able to specify further warnings on credit agreements, adapted to their national market and practices, where such warnings are not already specifically included in the ESIS.
Države članice bi morale imeti možnost, da določijo tudi dodatna opozorila glede kreditnih pogodb, ki so prilagojena njihovemu nacionalnemu trgu in praksam, kadar tovrstna opozorila še niso posebej zajeta v ESIS.
Member States should be able to provide that the creditor is bound by the information provided for in the ESIS, provided that the creditor decides to grant the credit.
Države članice bi morale imeti možnost, da določijo, da so informacije iz ESIS za dajalca kredita, pod pogojem, da se ta odloči odobriti kredit, zavezujoče.
The consumer should receive information by means of the ESIS without undue delay after the consumer has delivered the necessary information on his needs, financial situation and preferences and in good time before the consumer is bound by any credit agreement or offer, in order to enable him to compare and reflect on the characteristics of credit products and obtain third party advice if necessary.
Da bi potrošnik lahko preučil in primerjal značilnosti kreditnih produktov ter se po potrebi posvetoval s tretjo osebo, bi moral informacije prek ESIS prejeti nemudoma po tem, ko bi predložil potrebne informacije o svojih potrebah, finančnem položaju in željah, in pravočasno, preden bi kakšna koli kreditna pogodba ali ponudba zanj postala zavezujoča.
In particular when a binding offer is made to the consumer, it should be accompanied by the ESIS, unless the ESIS has already been delivered to the consumer and the characteristics of the offer are consistent with the information previously provided.
Ponudbi, ki je dana potrošniku, je treba priložiti ESIS zlasti v primeru, da gre za zavezujočo ponudbo, razen če ESIS ni bil že predložen in so značilnosti ponudbe v skladu s predhodno navedenimi informacijami.
However, Member States should be able to provide for the obligatory provision of the ESIS both before the provision of any binding offer and together with the binding offer, where an ESIS containing the same information has not previously been given.
Vendar bi države članice morale imeti možnost določiti, da je treba ESIS zagotoviti pred predložitvijo zavezujoče ponudbe in skupaj z zavezujočo ponudbo, če ESIS, ki vsebuje enake informacije, ni bil predhodno predložen.
While the ESIS should be personalised and reflect the preferences expressed by the consumer, the provision of such personalised information should not imply an obligation to provide advice.
ESIS bi sicer moral biti prilagojen potrošniku in odražati njegove želje, vendar zagotavljanje tovrstnih, potrošniku prilagojenih informacij, ne bi smelo pomeniti, da je treba zagotoviti tudi svetovanje.
Credit agreements should only be concluded where the consumer has had sufficient time to compare offers, assess their implications, obtain third party advice if necessary and has taken an informed decision on whether to accept an offer.
Kreditne pogodbe bi se smele skleniti le, kadar je potrošnik imel dovolj časa za primerjavo ponudb, oceno njihovih posledic in po potrebi posvetovanje s tretjo osebo in kadar se je utemeljeno odločil o tem, ali naj ponudbo sprejme.
Where the consumer has a secured credit agreement for the purchase of immovable property or land and the duration of the security is longer than that of the credit agreement, and where the consumer can decide to withdraw the repaid capital again subject to signature of a new credit agreement, a new ESIS disclosing the new APRC and based on the specific characteristics of the new credit agreement should be provided to the consumer before the signature of the new credit agreement.
Kadar ima potrošnik zavarovano kreditno pogodbo za nakup nepremičnine ali zemljišča in je trajanje jamstva daljše od trajanja kreditne pogodbe ter kadar se potrošnik lahko odloči črpati že odplačano glavnico – pod pogojem, da podpiše novo kreditno pogodbo –, bi mu bilo treba še pred podpisom te nove kreditne pogodbe predložiti nov ESIS, v katerem bi bila prikazana nova efektivna obrestna mera in ki bi temeljil na posebnih značilnostih te nove kreditne pogodbe.
At least where no right of withdrawal exists, the creditor or, where applicable, the credit intermediary or appointed representative should provide the consumer with a copy of the draft credit agreement, at the time of the provision of an offer binding on the creditor.
Vsaj v primeru, da pravica do odstopa ne obstaja, bi moral dajalec kredita, ali kadar je potrebno, kreditni posrednik ali imenovani predstavnik potrošniku zagotoviti izvod osnutka kreditne pogodbe ob predložitvi ponudbe, ki je zavezujoča za dajalca kredita.
In other cases, the consumer should at least be offered a copy of the draft credit agreement at the time a binding offer is made.
V drugih primerih bi moral potrošnik izvod osnutka kreditne pogodbe prejeti vsaj ob predložitvi zavezujoče ponudbe.
In order to ensure the fullest possible transparency and to prevent abuses arising from possible conflicts of interest when consumers use the services of credit intermediaries, the latter should be subject to certain information disclosure obligations prior to the performance of their services.
Da bi zagotovili čim večjo preglednost in preprečili zlorabe zaradi morebitnih navzkrižij interesov, ko potrošniki uporabljajo storitve kreditnih posrednikov, bi morale za slednje veljati določene obveznosti glede razkritja informacij pred izvajanjem storitev.
Such disclosures should include information on their identity and links with creditors, for instance whether they are considering products from a broad range of creditors or only from a more limited number of creditors.
Takšna razkritja bi morala vključevati informacije o njihovi identiteti in povezavah z dajalci kreditov, na primer o tem, ali nameravajo uporabiti produkte številnih dajalcev kreditov ali produkte samo manjšega števila dajalcev kreditov.
The existence of any commission or other inducement payable to the credit intermediary by the creditor or by third parties in relation to the credit agreement should be disclosed to consumers before the carrying out of any credit intermediation activities and consumers should be informed at that stage either of the amount of such payments, where that is known, or of the fact that the amount will be disclosed at a later pre-contractual stage in the ESIS and of their right to be given information on the level of such payments at that stage.
Potrošniku bi bilo treba razkriti vse morebitne provizije ali druge spodbude, ki jo dajalci kreditov ali tretje osebe v zvezi s kreditno pogodbo lahko plačajo kreditnemu posredniku, in to pred izvedbo kakršnih koli dejavnosti kreditnega posredništva in v tej fazi bi bilo treba potrošnika obvestiti tudi o znesku takšnih plačil, kadar je znan, ali o dejstvu, da bo znesek razkrit v ESIS naknadno v predpogodbeni fazi, in o tem, da ima v tej fazi pravico biti obveščen o ravni takšnih plačil.
Consumers should be informed of any fees they should pay to credit intermediaries in relation to their services.
Potrošnike bi bilo treba obvestiti o morebitnih pristojbinah, ki bi jih morali plačati kreditnim posrednikom za njihove storitve.
Without prejudice to competition law, Member States should be free to introduce or maintain provisions prohibiting the payment of fees by consumers to some or all categories of credit intermediary.
Brez poseganja v konkurenčno pravo bi državam članicam moralo biti dovoljeno, da sprejmejo ali ohranijo določbe o prepovedi plačevanja pristojbin s strani potrošnikov nekaterim ali vsem kategorijam kreditnih posrednikov.
A consumer may still need additional assistance in order to decide which credit agreement, within the range of products proposed, is the most appropriate for his needs and financial situation.
Kljub temu utegne potrošnik potrebovati dodatno pomoč, da se odloči, katera kreditna pogodba med predlaganimi produkti najbolj ustreza njegovim potrebam in finančnemu položaju.
Creditors and, where applicable, credit intermediaries should provide such assistance in relation to the credit products which they offer to the consumer by explaining the relevant information including in particular the essential characteristics of the products proposed to the consumer in a personalised manner so that the consumer can understand the effects which they may have on his economic situation.
Dajalci kreditov in kreditni posredniki, kadar je potrebno, bi takšno pomoč morali zagotoviti v zvezi s kreditnimi produkti, ki jih ponujajo potrošniku, in sicer tako, da bi potrošniku na njemu prilagojen način pojasnili zadevne informacije, zlasti bistvene značilnosti predlaganih produktov, da bi lahko razumel učinke, ki bi jih ti produkti lahko imeli na njegov ekonomski položaj.
Creditors and, where applicable, credit intermediaries should adapt the way in which such explanations are given to the circumstances in which the credit is offered and the consumer’s need for assistance, taking into account the consumer’s knowledge and experience of credit and the nature of individual credit products.
Dajalci kreditov in, kjer je primerno, kreditni posredniki bi morali način tovrstnega pojasnjevanja prilagoditi okoliščinam, v katerih je kredit ponujen, in potrošnikovi potrebi po pomoči, pri tem pa upoštevati potrošnikovo znanje o kreditu in izkušnje v zvezi z njim ter naravo posameznih kreditnih produktov.
Such explanations should not in itself constitute a personal recommendation.
Tovrstno pojasnjevanje samo po sebi ne bi bilo osebno priporočilo.
In order to promote the establishment and functioning of the internal market and to ensure a high degree of protection for consumers throughout the Union, it is necessary to uniformly ensure the comparability of information relating to the APRC throughout the Union.
Zaradi spodbujanja vzpostavitve in delovanja notranjega trga ter zagotavljanja visoke ravni varstva potrošnikov po vsej Uniji je treba enotno zagotoviti primerljivost informacij o efektivni obrestni meri po vsej Uniji.
The total cost of the credit to the consumer should comprise all the costs that the consumer has to pay in connection with the credit agreement and which are known to the creditor.
Skupni stroški kredita za potrošnika bi morali zajemati vse stroške, ki jih mora potrošnik plačati v zvezi s kreditno pogodbo in jih dajalec kredita pozna.
It should therefore include interest, commissions, taxes, fees for credit intermediaries, the costs of property valuation for a mortgage and any other fees, except for notarial fees, required to obtain the credit, for example life insurance, or to obtain it on the terms and conditions marketed, for example fire insurance.
Zato bi morali vključevati obresti, provizije, takse, pristojbine za kreditne posrednike, stroške cenitve nepremičnine za hipoteko in vse druge pristojbine – razen notarskih –, potrebne za pridobitev kredita (na primer stroške za življenjsko zavarovanje) ali za njegovo pridobitev pod ponujenimi pogoji (na primer stroške za požarno zavarovanje).
The provisions of this Directive concerning ancillary products and services (for instance concerning the costs of opening and maintaining a bank account) should be without prejudice to Directive 2005/29/EC and Council Directive 93/13/EEC of 5 April 1993 on unfair terms in consumer contracts [12].
Določbe iz te direktive, ki zadevajo pomožne produkte in storitve (npr. v zvezi s stroški odprtja in vodenja bančnega računa), ne bi smele posegati v Direktivo 2005/29/ES in Direktivo Sveta 93/13/EGS z dne 5. aprila 1993 o nedovoljenih pogojih v potrošniških pogodbah [12].
The total cost of the credit to the consumer should exclude costs that the consumer pays in relation to the purchase of the immovable property or land, such as associated taxes and notarial costs or the costs of land registration.
Skupni stroški kredita za potrošnika bi morali izključevati stroške, ki jih potrošnik plača za nakup nepremičnine ali zemljišča, kot so z nakupom povezane takse in notarski stroški ali stroški vpisa v zemljiško knjigo.
The creditor’s actual knowledge of the costs should be assessed objectively, taking into account the requirements of professional diligence.
Treba bi bilo objektivno oceniti, v kolikšni meri dajalec kreditov dejansko pozna stroške, pri tem pa upoštevati zahteve poklicne skrbnosti.
In that respect, the creditor should be presumed to have knowledge of the costs of the ancillary services which he offers to the consumer himself, or on behalf of a third party, unless the price thereof depends on the specific characteristics or situation of the consumer.
V zvezi s tem bi dajalec kreditov domnevno moral poznati stroške pomožnih storitev, ki jih sam ali v imenu tretje osebe ponuja potrošniku, razen če je njihova cena odvisna od posebnih značilnosti ali položaja potrošnika.
If estimated information is used, the consumer should be made aware of this and that the information is expected to be representative of the type of agreement or practices under consideration.
Če uporabljene informacije temeljijo zgolj na ocenah, bi moral biti potrošnik s tem seznanjen, tako kot bi moral biti seznanjen, da naj bi bile te informacije reprezentativne za zadevno vrsto pogodbe ali prakse.
The additional assumptions for the calculation of the APRC aim to ensure that the APRC is calculated in a consistent way and to ensure comparability.
Namen dodatnih predpostavk za izračun efektivne obrestne mere je zagotoviti doslednost pri njenem izračunu in njeno primerljivost.
Additional assumptions are necessary for specific types of credit agreement, such as where the amount, duration or cost of the credit are uncertain or vary depending on how the agreement is operated.
Za določene vrste kreditnih pogodb so potrebne dodatne predpostavke, kot na primer kadar znesek, trajanje ali stroški kredita niso gotovi ali pa se razlikujejo glede na način izvajanja pogodbe.
Where the provisions in themselves do not suffice to calculate the APRC, the creditor should use the additional assumptions set out in Annex I. However, given that the calculation of the APRC will depend on the terms of the individual credit agreement, only those assumptions necessary and relevant to a given credit should be used.
Kadar same določbe ne zadostujejo za izračun efektivne obrestne mere, bi dajalec kredita moral uporabiti dodatne predpostavke iz Priloge I. Ker pa bo izračun efektivne obrestne mere odvisen od pogojev posamezne kreditne pogodbe, bi se morale uporabiti samo tiste nujne predpostavke, ki zadevajo določeni kredit.
In order to further ensure a high degree of comparability of the APRC between offers from different creditors, the intervals between dates used in the calculation should not be expressed in days where they can be expressed as a whole number of years, months or weeks.
Zaradi zagotovitve visoke stopnje primerljivosti efektivnih obrestnih mer med ponudbami različnih dajalcev kreditov časovni intervali med datumi, ki se uporabljajo pri izračunu, ne bi smeli biti izraženi v dnevih, kadar so lahko izraženi kot celo število let, mesecev ali tednov.
Implicit in that context is that if certain time intervals are used in the APRC formula, those intervals should be used to ascertain the amounts of interest and other charges used in the formula.
Če se določeni časovni intervali uporabijo v formuli za izračun efektivne obrestne mere, bi jih seveda bilo treba uporabiti tudi za ugotovitev zneskov obresti in drugih stroškov, uporabljenih v formuli.
Where those numbers are different it may be necessary to explain them to the consumer in order to avoid misleading the consumer.
Kadar se navedeni zneski razhajajo, jih je morebiti treba razložiti potrošniku, da ga ne bi zavajali.
That implies that in the absence of non-interest charges and assuming an identical method of calculation the APRC will be equal to the effective borrowing rate of the credit.
To pomeni, da bo efektivna obrestna mera v primeru, da ni neobrestnih stroškov, in ob uporabi enake metode izračuna enaka dejanski posojilni obrestni meri kredita.
As the APRC can at the advertising stage be indicated only through an example, such an example should be representative.
Ker se v fazi oglaševanja efektivna obrestna mera lahko navede samo s primerom, bi moral biti ta primer reprezentativen.
Therefore, it should correspond, for instance, to the average duration and total amount of credit granted for the type of credit agreement under consideration.
Torej bi moral ustrezati na primer povprečnemu trajanju in povprečnemu skupnemu znesku kredita, odobrenega za zadevno vrsto kreditne pogodbe.
When determining the representative example, the prevalence of certain types of credit agreements in a specific market should be taken into account.
Pri določitvi reprezentativnega primera bi bilo treba upoštevati razširjenost določenih vrst kreditnih pogodb na danem trgu.
It may be preferable for each creditor to base the representative example on an amount of credit which is representative of that creditor’s own product range and expected customer base, as these may vary considerably among creditors.
Morda je bolj ustrezno, da dajalec kredita reprezentativni primer določi na podlagi zneska kredita, ki je reprezentativen za njegov nabor produktov in pričakovani krog potrošnikov, saj se lahko ta dva od dajalca kredita do dajalca kredita znatno razlikujeta.
As regards the APRC disclosed in the ESIS, the preferences of and information provided by the consumer should where possible be taken into account and the creditor or credit intermediary should make it clear whether the information provided is illustrative or reflects the preferences and information given.
V zvezi z efektivno obrestno mero, navedeno v ESIS, bi bilo treba po možnosti upoštevati želje in informacije, ki jih navede potrošnik, dajalec kredita ali kreditni posrednik pa bi moral pojasniti, ali so te želje in informacije tudi ponazorjene oziroma upoštevane.
In any event, the representative examples should not be contrary to the requirements of Directive 2005/29/EC.
Reprezentativni primeri pa nikakor ne bi smeli biti v nasprotju z zahtevami iz Direktive 2005/29/ES.
It is important that in the ESIS it is made clear to the consumer, where applicable, that the APRC is based on assumptions and could change so that consumers can take this into account when comparing products.
Kadar je potrebno, mora potrošnik na podlagi ESIS jasno vedeti, da efektivna obrestna mera temelji na predpostavkah in se lahko spremeni, zato da bo to lahko upošteval, ko bo primerjal različne produkte.
It is important that the APRC should take account of all drawdowns under the credit agreement, whether paid directly to the consumer or to a third party on the consumer’s behalf.
Efektivna obrestna mera bi morala upoštevati tudi vsa črpanja v okviru kreditne pogodbe ne glede na to, ali so plačana neposredno potrošniku ali tretji osebi v njegovem imenu.
In order to ensure consistency between the calculation of the APRC for different types of credit, the assumptions used for calculating similar forms of credit agreement should be generally consistent.
Zaradi zagotovitve usklajenosti pri izračunu efektivne obrestne mere za različne vrste kredita bi morale biti predpostavke, uporabljene za izračune pri podobnih oblikah kreditnih pogodb, na splošno usklajene.
In this respect, assumptions from Commission Directive 2011/90/EU of 14 November 2011 amending Part II of Annex I to Directive 2008/48/EC of the European Parliament and of the Council providing additional assumptions for the calculation of the annual percentage rate of charge [13], modifying the assumptions for calculating the APRC should be incorporated.
V zvezi s tem bi bilo treba v celoti vključiti predpostavke iz Direktive Komisije 2011/90/EU z dne 14. novembra 2011 o spremembi dela II Priloge I k Direktivi 2008/48/ES Evropskega parlamenta in Sveta, ki določa dodatne predpostavke za izračun letne efektivne obrestne mere [13], s katero se spreminjajo predpostavke za izračun efektivne obrestne mere.
While not all assumptions will necessarily apply to credit agreements available now, product innovation in this sector is active and so it is necessary to have the assumptions in place.
Čeprav se za trenutno razpoložljive kreditne pogodbe ne bodo nujno uporabljale vse predpostavke, so za to področje značilne številne inovacije na ravni produktov, zato morajo biti predpostavke že kar določene.
Furthermore, for the purpose of calculating the APRC, the identification of the most common drawdown mechanism should be based on reasonable expectations of the drawdown mechanism most frequently used by consumers for the type of product offered by that specific creditor.
Poleg tega bi zaradi izračuna efektivne obrestne mere določitev najbolj običajnega mehanizma črpanja morala temeljiti na smiselnih pričakovanjih glede mehanizma črpanja, ki ga potrošniki najpogosteje uporabljajo za vrsto produkta, ki ga ponuja zadevni dajalec kredita.
For existing products, the expectation should be based on the previous 12 months.
Za obstoječe produkte bi pričakovanje moralo temeljiti na predhodnih dvanajstih mesecih.