natgillin/translations-raw huggingface dataset:
Such requirement shall not apply to credit agreements where the borrowing rate is fixed for a material initial period of several years and may then be fixed for a further period following negotiation between the creditor and the consumer.
Takšna zahteva ne velja za kreditne pogodbe, pri katerih je posojilna mera v nekajletnem začetnem obdobju fiksna, nato pa se lahko dajalec kredita in potrošnik za novo obdobje dogovorita o novi fiksni obrestni meri.
For credit agreements where the borrowing rate is fixed for a material initial period of several years and may then be fixed for a further period following negotiation between the creditor and the consumer, the information shall include a warning that the APRC is calculated on the basis of the borrowing rate for the initial period.
Pri kreditnih pogodbah, pri katerih je posojilna obrestna mera v nekajletnem začetnem obdobju fiksna, nato pa se lahko dajalec kredita in potrošnik za novo obdobje dogovorita o novi fiksni obrestni meri, informacije vključujejo opozorilo, da je EOM izračunan na podlagi posojilne obrestne mere v začetnem obdobju.
The warning shall be accompanied by an additional, illustrative APRC calculated in accordance with Article 17(4).
Poleg opozorila se navede dodaten ponazoritven primer EOM, ki se izračuna v skladu s členom 17(4).
Where credits are multi-part credits (e.g. concurrently part fixed rate, part variable rate), the 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), se informacije navedejo za vsak del kredita posebej.
In the section on ‘other components of the APRC’ all the other costs contained in the APRC shall be listed, including one-off costs such as administration fees, and regular costs, such as annual administration fees.
V rubriki „druge sestavine EOM“ so našteti vsi drugi stroški, vključeni v EOM, tudi enkratni stroški, kot so upravne provizije in redni stroški, kot so letne upravne provizije.
The creditor shall list each of the costs by category (costs to be paid on a one-off basis, costs to be paid regularly and included in the instalments, costs to be paid regularly but not included in the instalments), indicating their amount, to whom they are to be paid and when.
Dajalec kredita posamezne stroške navede po kategorijah (enkratni stroški, redni stroški, vključeni v obroke, redni stroški, ki niso vključeni v obroke), pri čemer navede njihov znesek ter komu in kdaj jih je treba plačati.
This does not have to include costs incurred for breaches of contractual obligations.
To ne zajema nujno stroškov, nastalih zaradi kršenja pogodbenih obveznosti.
Where the amount is not known, the creditor shall provide an indication of the amount if possible, or if not possible, how the amount will be calculated and specify that the amount provided is indicative only.
Kadar višina stroškov ni znana, dajalec kredita po možnosti navede znesek, če to ni mogoče, pa pojasni, kako se bo znesek izračunal, ter razloži, da je navedeni znesek le okviren.
Where certain costs are not included in the APRC because they are unknown to the creditor, this shall be highlighted.
Kadar določeni stroški niso vključeni v EOM, ker jih dajalec kredita ne pozna, se to poudari.
Where the consumer has informed the creditor of one or more components of his preferred credit, such as the duration of the credit agreement and the total amount of credit, the creditor shall, where possible, use those components; if a credit agreement provides different ways of drawdown with different charges or borrowing rates and the creditor uses the assumptions set out in Part II of Annex I, it shall indicate that other drawdown mechanisms for this type of credit agreement may result in a higher APRC.
Kadar je potrošnik obvestil dajalca kredita o enem ali več elementih želenega kredita, na primer o trajanju kreditne pogodbe in skupnem znesku kredita, dajalec kredita uporabi te elemente, kadar je mogoče; če kreditna pogodba predvideva različne načine črpanja z različnimi stroški ali posojilnimi obrestnimi merami in dajalec kredita uporabi predpostavke iz dela II Priloge I, navede, da lahko drugi mehanizmi črpanja za to vrsto kreditne pogodbe privedejo do višje efektivne obrestne mere.
Where the conditions for drawdown are used for calculating the APRC, the creditor shall highlight the charges associated with other drawdown mechanisms that are not necessarily the ones used in calculating the APRC.
Kadar so pogoji za črpanje uporabljeni za izračun EOM, dajalec kredita opozori na stroške, povezane z drugimi mehanizmi črpanja, ki niso nujno enaki tistim, uporabljenim pri izračunu EOM.
Where a fee is payable for registration of the mortgage or comparable security that shall be disclosed in this section with the amount, where known, or where this is not possible the basis for determining the amount.
Kadar je treba za vpis hipoteke ali primerljivega jamstva plačati pristojbino, se v tej rubriki navede njen znesek, kadar je znan, ali, kadar to ni mogoče, podlaga za njen izračun.
Where the fees are known and included in the APRC the existence and amount of the fee shall be listed under ‘Costs to be paid on a one-off basis’.
Kadar je pristojbina znana in vključena v EOM, se dejstvo, da jo je treba plačati, in njen znesek navedeta pod „Enkratni stroški“.
Where the fees are not known to the creditor and therefore not included in the APRC the existence of the fee shall be clearly mentioned in the list of costs which are not known to the creditor.
Kadar dajalec kredita ne pozna pristojbine in zato ni vključena v EOM, se na seznamu stroškov, ki jih dajalec kredita ne pozna, jasno navede, da je pristojbino treba plačati.
In either case the standardised wording in Part A shall be used under the appropriate heading.
V vsakem primeru se pod ustreznim naslovom uporabi standardno besedilo iz dela A.
Section ‘5.
Rubrika „5.
Frequency and number of payments’
Pogostost in število obrokov“
Where payments are to be made on a regular basis, the frequency of payments shall be indicated (e.g. monthly).
Kadar so predvidena redna plačila, se navede pogostost plačil (npr. mesečno).
Where the frequency of payments will be irregular, this shall be clearly explained to the consumer.
Kadar se plačila ne bodo izvrševala v rednih časovnih intervalih, se to potrošniku jasno razloži.
The number of payments indicated shall cover the whole duration of the credit.
Navedejo se vsa plačila v celotnem obdobju trajanja kredita.
Section ‘6.
Rubrika „6.
Amount of each instalment’
Višina posameznega obroka“
The credit currency and currency of the instalments shall be clearly indicated.
Jasno se navedeta valuta kredita in valuta obrokov.
Where the amount of the instalments may change during the life of the credit, the creditor shall specify the period during which that initial instalment amount will remain unchanged and when and how frequently afterwards it will change.
Kadar se lahko višina obrokov med trajanjem kredita spremeni, dajalec kredita navede obdobje, v katerem bo začetna višina obroka nespremenjena, ter kdaj in kako pogosto se bo pozneje spreminjala.
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.
If there is a requirement for the consumer to take out a tied savings product as a condition for being granted an interest-only credit secured by a mortgage or another comparable security, the amount and frequency of any payments for this product shall be provided.
Kadar se kot pogoj za odobritev kredita, pri katerem se sproti odplačujejo samo obresti in ki je zavarovano s hipoteko ali z drugim primerljivim jamstvom, od potrošnika zahteva oblikovanje varčevalnega produkta z vezano vlogo, se zagotovijo informacije o tem produktu.
Where the borrowing rate is variable the information shall include a statement indicating that fact, using the wording in Part A and an illustration of a maximum instalment amount.
Kadar je posojilna obrestna mera spremenljiva, se v informacijah navedeta izjava, iz katere je to jasno razvidno, pri čemer se uporabi besedilo iz dela A, in primer najvišjega obročnega zneska.
Where there is a cap, the illustration shall show the amount of the instalments if the borrowing rate rises to the level of the cap.
Kadar obstaja zgornja meja, se v primeru prikaže višina obrokov, če bi posojilna obrestna mera dosegla zgornjo mejo.
Where there is no cap, the worst case scenario shall illustrate the level of instalments at the highest borrowing rate in 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 pri najslabšem možnem scenariju prikaže višina obrokov pri najvišji posojilni obrestni meri v zadnjih 20 letih, ali, kadar so podatki za izračun posojilne obrestne mere na voljo za manj kot 20 let, v najdaljšem obdobju, za katerega so takšni podatki na voljo, in sicer na podlagi najvišje vrednosti katere koli zunanje referenčne mere, uporabljene za izračun posojilne obrestne mere, kadar je to primerno, ali najvišje vrednosti primerjalne obrestne mere, ki jo določi pristojni organ ali EBA, kadar dajalec kredita ne uporablja zunanje referenčne mere.
The requirement to provide an illustrative example shall not apply to credit agreements where the borrowing rate is fixed for a material initial period of several years and may then be fixed for a further period following negotiation between the creditor and the consumer.
Zahteva, da se zagotovi ponazoritveni primer, se ne uporablja za kreditne pogodbe, pri katerih je posojilna mera v nekajletnem začetnem obdobju fiksna, nato pa se lahko dajalec kredita in potrošnik za novo obdobje dogovorita o novi fiksni obrestni meri.
Where credits are multi-part credits (e.g. concurrently part fixed rate, part variable rate), the information shall be given for each part of the credit, and in total.
Kadar je kredit večdelen (na primer hkrati deloma s fiksno obrestno mero in deloma s spremenljivo), se informacije zagotovijo za vsak del kredita posebej in za celotno posojilo.
(Where applicable) Where the credit currency is different from the consumer’s national currency or where the credit is indexed to a currency which is different from the consumer’s national currency, the creditor shall include a numerical example clearly showing how changes to the relevant exchange rate may affect the amount of the instalments using the wording in Part A. That example shall be based on a 20 % reduction in the value of the consumer’s national currency together with a prominent statement that the instalments could increase by more than the amount assumed in that example.
(Kadar je primerno) Kadar kredit ni v domači valuti potrošnika ali kadar je kredit indeksiran v valuti, ki ni domača valuta potrošnika, dajalec kredita s številčnim primerom jasno prikaže, kako lahko spremembe zadevnega menjalnega tečaja vplivajo na višino obrokov, za kar uporabi besedilo iz dela A. Navedeni primer temelji na 20-odstotnem zmanjšanju vrednosti domače valute potrošnika, skupaj s poudarjeno izjavo, da bi se lahko obroki zvišali za več, kot je predvideno v tem primeru.
Where there is a cap which limits that increase to less than 20 %, the maximum value of the payments in the consumer’s currency shall be given instead and the statement on the possibility of further increases omitted.
Kadar obstaja zgornja meja, ki omejuje to zvišanje na manj kot 20 %, se namesto tega navede najvišji znesek plačil v valuti potrošnika, izjava o možnosti nadaljnjega povečanja pa izpusti.
Where the credit is fully or partly a variable rate credit and point 3 applies, the illustration in point 5 shall be given on the basis of the instalment amount referred to in point 1.
Kadar gre pri kreditu v celoti ali deloma za kredit s spremenljivo obrestno mero in se uporablja točka 5, se v primeru iz točke 3 uporabi višina obrokov iz točke 1.
Where the currency used for the payment of instalments is different from the credit currency or where the amount of each instalment expressed in the consumer’s national currency depends on the corresponding amount in a different currency, this section shall indicate the date at which the applicable exchange rate is calculated and either the exchange rate or the basis on which it will be calculated and the frequency of their adjustment.
Kadar se valuta, uporabljena za plačilo obrokov, razlikuje od valute kredita, ali kadar je višina posameznega obroka, izraženega v domači valuti potrošnika, odvisna od ustreznega zneska v drugi valuti, se v rubriki navede datum, na katerega se izračuna veljavni menjalni tečaj, ter bodisi menjalni tečaj ali podlaga, na kateri bo izračunan, ter pogostost prilagoditev.
Where applicable such indication shall include the name of institution publishing the exchange rate.
Kadar je primerno, se pri tem navede tudi ime institucije, ki objavlja menjalni tečaj,
Where the credit is a deferred-interest credit under which interest due is not fully repaid by the instalments and is added to the total amount of credit outstanding, there shall be an explanation of: how and when deferred interest is added to the credit as a cash amount; and what the implications are for the consumer in terms of their remaining debt.
Kadar gre za kredit z odloženimi obrestmi, pri katerem se obresti ne odplačajo v celoti v obrokih in se prištejejo skupnemu znesku kredita, ki ga je še treba odplačati, se pojasni: kako in kdaj se odložene obresti prištejejo kreditu kot gotovinski znesek in kakšne so posledice za potrošnika, kar zadeva preostali dolg.
Section ‘7.
Rubrika „7.
Illustrative repayment table’
Ponazoritveni amortizacijski načrt“
This section shall be included where the credit is a deferred interest credit under which interest due is not fully repaid by the instalments and is added to the total amount of credit outstanding or where the borrowing rate is fixed for the duration of the credit agreement.
Ta rubrika se vključi, kadar gre za kredit z odloženimi obrestmi, pri katerem se obresti ne odplačajo v celoti v obrokih in se prištejejo skupnemu znesku kredita, ki ga je še treba odplačati, ali kadar je posojilna obrestna mera fiksna za celotno trajanje kreditne pogodbe.
Member States may provide that the illustrative amortisation table is compulsory in other cases.
Države članice lahko določijo, da je ponazoritveni amortizacijski načrt obvezen tudi v drugih primerih.
Where the consumer has the right to receive a revised amortisation table, this shall be indicated along with the conditions under which the consumer has that right.
Kadar ima potrošnik pravico do prilagoditve amortizacijskega načrta odplačevanja, se to navede, navedejo pa se tudi pogoji, pod katerimi ima potrošnik to pravico.
Member States may require that where the borrowing rate may vary during the lifetime of the credit, the creditor shall indicate the period during which that initial borrowing rate will remain unchanged.
Kadar se lahko posojilna obrestna mera med trajanjem kredita spreminja, lahko države članice od dajalca kredita zahtevajo, da navede obdobje, v katerem bo začetna posojilna obrestna mera ostala nespremenjena.
The table to be included in this section shall contain the following columns: ‘repayment schedule’ (e.g. month 1, month 2, month 3), ‘amount of the instalment’, ‘interest to be paid per instalment’, ‘other costs included in the instalment’ (where relevant), ‘capital repaid per instalment’ and ‘outstanding capital after each instalment’.
Preglednica v tej rubriki vsebuje naslednje stolpce: „načrt odplačevanja“ (npr. 1. mesec, 2. mesec, 3. mesec), „višina obroka“, „obresti, ki jih je treba plačati na obrok“, „drugi stroški, vključeni v obrok“ (kjer je primerno), „odplačana glavnica na obrok“ in „preostanek glavnice po vsakem obroku“.
For the first repayment year the information shall be given for each instalment and a subtotal shall be indicated for each of the columns at the end of that first year.
Za prvo leto odplačevanja se za vsak obrok navedejo ustrezni podatki in za vsak stolpec vmesna vsota ob koncu tega prvega leta.
For the following years, the detail can be provided on an annual basis.
Za naslednja leta se lahko podatki navedejo na letni podlagi.
An overall total row shall be added at the end of the table and shall provide the total amounts for each column.
Na koncu preglednice se doda vrstica s skupnim zneskom za vsak stolpec.
The total cost of the credit paid by the consumer (i.e. the overall sum of the ‘amount of the instalment’ column) shall be clearly highlighted and presented as such.
Skupni strošek kredita, ki ga plača potrošnik (tj. skupna vsota stolpca „višina obroka“), se jasno in vidno poudari ter navede kot tak.
Where the borrowing rate is subject to revision and the amount of the instalment after each revision is unknown, the creditor may indicate in the amortisation table the same instalment amount for the whole credit duration.
Kadar se posojilna obrestna mera prilagaja in višina obroka po posamezni prilagoditvi ni znana, lahko dajalec kredita v amortizacijskem načrtu za celotno trajanje kredita navede isto višino obroka.
In such a case, the creditor shall draw that fact to the attention of the consumer by visually differentiating the amounts which are known from the hypothetical ones (e.g. using a different font, borders or shading).
V tem primeru dajalec kredita potrošnika na to opozori tako, da vizualno različno prikaže znane in hipotetične zneske (npr. z uporabo različne pisave, obrobami ali senčenjem).
In addition, a clearly legible text shall explain for which periods the amounts represented in the table may vary and why.
Poleg tega v jasno razumljivi obliki pojasni, v katerih obdobjih se lahko zneski, navedeni v preglednici, spremenijo in zakaj.
Section ‘8.
Rubrika „8.
Additional obligations’
Dodatne obveznosti“
The creditor shall refer in this section to obligations such as the obligation to insure the immovable property, to purchase life insurance, to have a salary paid into an account with the creditor or to buy any other product or service.
Dajalec kredita v tej rubriki navede obveznosti, na primer, da je treba zavarovati nepremičnino, skleniti življenjsko zavarovanje, prejemati osebni dohodek na račun pri dajalcu kredita ali kupiti kakšen drug produkt ali storitev.
For each obligation, the creditor shall specify towards whom and by when the obligation needs to be fulfilled.
Pri vsaki obveznosti navede, za koga velja določena obveznost in do kdaj jo je treba izpolniti.
The creditor shall specify the duration of the obligation, e.g. until the end of the credit agreement.
Dajalec kredita navede trajanje obveznosti, npr. do konca veljavnosti kreditne pogodbe.
The creditor shall specify for each obligation any costs to be paid by the consumer, which are not included in the APRC.
Prav tako za vsako obveznost navede vse stroške, ki jih mora plačati potrošnik in ki niso vključeni v EOM
The creditor shall state whether it is compulsory for the consumer to hold any ancillary services to obtain the credit on the stated terms, and if so whether the consumer is obliged to purchase them from the creditor’s preferred supplier or whether they may be purchased from a provider of consumer’s choice.
Dajalec kredita navede, ali mora potrošnik za pridobitev kredita pod navedenimi pogoji uporabiti pomožne storitve in ali jih mora v tem primeru kupiti od izbranega ponudnika dajalca kredita ali jih lahko kupi od ponudnika po svoji izbiri.
Where such possibility is conditional on the ancillary services meeting certain minimum characteristics, such characteristics shall be described in this section.
Kadar je to mogoče le, če imajo pomožne storitve določene minimalne značilnosti, se takšne značilnosti opišejo v tej rubriki.
Where the credit agreement is bundled with other products the creditor shall state the key features of those other products and clearly state whether the consumer has a right to terminate the credit agreement or the bundled products separately, the conditions for and implications of doing so, and, where applicable, of the possible consequences of terminating the ancillary services required in connection with the credit agreement.
Kadar je kreditna pogodba v paketu z drugimi produkti, dajalec kredita navede njihove temeljne značilnosti in jasno navede, ali lahko potrošnik prekine kreditno pogodbo ali produkte v paketu ločeno, pod katerimi pogoji in s kakšnimi posledicami ter, kadar je primerno, kakšne so lahko posledice, če odstopi od pomožnih storitev, potrebnih v zvezi s kreditno pogodbo.
Section ‘9.
Rubrika „9.
Early repayment’
Predčasno odplačilo“
The creditor shall indicate under what conditions the consumer can repay the credit early, either fully or partially.
Dajalec kredita navede, pod kakšnimi pogoji lahko potrošnik predčasno odplača kredit, bodisi v celoti bodisi delno.
In the section on exit charges the creditor shall draw the consumer’s attention to any exit charge or other costs payable on early repayment in order to compensate the creditor and where possible indicate their amount.
Dajalec kredita v rubriki o stroških predčasnega odplačila potrošnika opozori na morebitne stroške predčasnega odplačila ali druge stroške, ki jih je treba plačati ob predčasnem odplačilu kot nadomestilo dajalcu kredita, in, če je mogoče, navede njihovo višino.
In cases where the amount of compensation would depend on different factors, such as the amount repaid or the prevailing interest rate at the moment of the early repayment, the creditor shall indicate how the compensation will be calculated and provide the maximum amount that the charge might be, or where this is not possible, an illustrative example in order to demonstrate to the consumer the level of compensation under different possible scenarios.
Kadar je višina nadomestila odvisna od različnih dejavnikov, kot je višina že odplačanega zneska ali veljavna obrestna mera v času predčasnega odplačila, dajalec kredita navede, kako se bo nadomestilo izračunalo, in prikaže najvišji možni strošek ali, kadar to ni mogoče, nazoren primer, s katerim potrošniku prikaže višino nadomestila glede na različne možne scenarije.
Section ‘10.
Rubrika „10.
Flexible features’
Prožne značilnosti“
Where applicable, the creditor shall explain the possibility to and conditions for transferring the credit to another creditor or immovable property.
Kadar je primerno, dajalec kredita obrazloži možnost in pogoje za prenos kredita na drugega dajalca kredita ali na drugo nepremičnino.
(Where appropriate) Additional features: Where the product contains any of the features listed in point 5, this section must list these features and provide a brief explanation of: the circumstances in which the consumer can use the feature; any conditions attached to the feature; if the feature being part of the credit secured by a mortgage or comparable security means that the consumer loses any statutory or other protections usually associated with the feature; and the firm providing the feature (if not the creditor).
(Kadar je primerno) Dodatne značilnosti: Kadar produkt vsebuje kakšno od značilnosti iz točke 5, morajo biti v tej rubriki navedene, na kratko pa mora biti obrazloženo tudi: okoliščine, kdaj lahko potrošnik uporabi katero od njih; morebitni pogoji, povezani z značilnostjo; če značilnost, ki je del kredita, zavarovanega s hipoteko ali primerljivim jamstvom, pomeni, da potrošnik izgubi vso zakonsko ali drugo zaščito, ki je običajno povezana s to značilnostjo; podjetje, ki zagotavlja značilnost (če to ni dajalec kredita).