natgillin/translations-raw huggingface dataset:
final judgement has already been delivered in the Member State addressed in respect of the same persons and the same actions.
je bila v naslovljeni državi članici v zvezi z istimi osebami in istimi dejanji že izrečena pravnomočna sodba.
In the event of such a refusal, the competent authority shall notify the requesting competent authority accordingly, providing as detailed information as possible.
V primeru takšne zavrnitve pristojni organ v skladu s tem uradno obvesti pristojni organ, ki je vložil zahtevo, pri čemer navede čim podrobnejše informacije.
Settlement of disagreements between competent authorities of different Member States
Reševanje sporov med pristojnimi organi različnih držav članic
The competent authorities may refer the situation to EBA where a request for cooperation, in particular the exchange of information, has been rejected or has not been acted upon within a reasonable time, and request EBA’s assistance in accordance with Article 19 of Regulation (EU) No 1093/2010.
Kadar se zahteva za sodelovanje, zlasti za izmenjavo informacij, zavrne ali v razumnem roku ni odgovora nanjo, lahko pristojni organi zadevo predložijo EBA in ga zaprosijo za pomoč v skladu s členom 19 Uredbe (EU) št. 1093/2010.
In such cases, EBA may act in accordance with the powers conferred on it by that Article and any binding decision made by EBA in accordance with that Article shall be binding on the competent authorities concerned regardless of whether those competent authorities are members of EBA or not.
V takšnih primerih lahko EBA ukrepa v skladu s pooblastili, ki so mu bila dodeljena z navedenim členom, vsaka zavezujoča odločitev, ki jo EBA sprejme v skladu z navedenim členom, pa je za zadevne pristojne organe zavezujoča ne glede na to, ali so ti pristojni organi člani EBA ali ne.
Member States shall lay down the rules on sanctions applicable to infringements of the national provisions adopted on the basis of this Directive and shall take all measures necessary to ensure that they are implemented.
Države članice določijo pravila glede sankcij, ki se uporabljajo za kršitve nacionalnih predpisov, sprejetih na podlagi te direktive, in sprejmejo vse potrebne ukrepe, da zagotovijo njihovo izvajanje.
Those sanctions shall be effective, proportionate and dissuasive.
Te sankcije so učinkovite, sorazmerne in odvračilne.
Member States shall provide that the competent authority may disclose to the public any administrative sanction that will be imposed for infringement of the measures adopted in the transposition of this Directive, unless such disclosure would seriously jeopardise the financial markets or cause disproportionate damage to the parties involved.
Države članice določijo, da lahko pristojni organ javnosti razkrije vse upravne sankcije, sprejete zaradi kršenja ukrepov, sprejetih zaradi prenosa te direktive, razen če bi tako razkritje resno ogrozilo finančne trge ali vpletenim stranem povzročilo nesorazmerno škodo.
Dispute resolution mechanisms
Mehanizmi za reševanje sporov
Member States shall ensure that appropriate and effective complaints and redress procedures are established for the out-of-court settlement of consumer disputes with creditors, credit intermediaries and appointed representatives in relation to credit agreements, using existing bodies where appropriate.
Države članice s pomočjo obstoječih organov, kjer je ustrezno, zagotovijo, da so vzpostavljeni ustrezni in učinkoviti pritožbeni postopki in druga pravna sredstva za izvensodno reševanje sporov v zvezi s kreditnimi pogodbami med potrošniki in dajalci kreditov, potrošniki in kreditnimi posredniki ter potrošniki in imenovanimi predstavniki.
Member States shall ensure that such procedures are applicable to creditors and credit intermediaries and cover the activities of appointed representatives.
Države članice zagotovijo, da takšni postopki veljajo za dajalce kreditov in kreditne posrednike in da vključujejo dejavnosti imenovanih predstavnikov.
Member States shall require the bodies responsible for the out-of-court settlement of consumer disputes to cooperate so that cross-border disputes concerning credit agreements can be resolved.
Države članice od organov, odgovornih za izvensodno reševanje potrošniških sporov, zahtevajo sodelovanje pri reševanju čezmejnih sporov v zvezi s kreditnimi pogodbami.
The power to adopt delegated acts is conferred on the Commission subject to the conditions laid down in this Article.
Pooblastilo za sprejemanje delegiranih aktov je preneseno na Komisijo pod pogoji iz tega člena.
The power to adopt delegated acts referred to in Articles 14(9) and 17(8) shall be conferred on the Commission for an indeterminate period of time from 20 March 2014.
Pooblastilo za sprejemanje delegiranih aktov iz členov 14(9) in 17(8) se prenese na Komisijo za nedoločen čas od 20. marca 2014.
The delegation of power referred to in Articles 14(9) and 17(8) may be revoked at any time by the European Parliament or by the Council.
Pooblastilo iz členov 14(9) in 17(8) lahko kadar koli prekliče Evropski parlament ali Svet.
A decision to revoke shall put an end to the delegation of the powers specified in that decision.
Z odločitvijo o preklicu preneha veljati prenos pooblastila iz navedene odločitve.
It shall take effect the day following the publication of the decision in the Official Journal of the European Union or at a later date specified therein.
Odločitev začne učinkovati dan po objavi v Uradnem listu Evropske unije ali na poznejši dan, ki je v njej določen.
A delegated act adopted pursuant to Articles 14(9) and 17(8) shall enter into force only if no objection has been expressed either by the European Parliament or the Council within a period of three months of notification of that act to the European Parliament and to the Council or if, before the expiry of that period, the European Parliament and the Council have both informed the Commission that they will not object.
Delegirani akt, sprejet v skladu s členoma 14(9) in 17(8), začne veljati le, če niti Evropski parlament niti Svet ne nasprotujeta delegiranemu aktu v dveh mesecih od uradnega obvestila Evropskemu parlamentu in Svetu o tem aktu ali če pred iztekom tega roka tako Evropski parlament kot Svet obvestita Komisijo, da mu ne bosta nasprotovala.
Imperative nature of this Directive
Obveznost izvajanja te direktive
consumers may not waive the rights conferred on them by national law transposing this Directive;
se potrošniki ne morejo odpovedati pravicam, ki jih imajo v skladu z nacionalnim pravom, s katerim se prenaša ta direktiva;
the measures they adopt in transposing this Directive cannot be circumvented in a way which could lead to consumers losing the protection granted by this Directive as a result of the way in which agreements are formulated, in particular by integrating credit agreements falling within the scope of this Directive into credit agreements the character or purpose of which would make it possible to avoid the application of those measures.
se ukrepom, ki jih sprejmejo zaradi prenosa te direktive, ni mogoče izogniti tako, da bi bili lahko potrošniki prikrajšani za varstvo, ki ga zagotavlja ta direktiva, in sicer zaradi načina oblikovanja pogodb, zlasti z vključitvijo kreditnih pogodb, ki spadajo v področje uporabe te direktive, v kreditne pogodbe, katerih značilnosti ali namen bi lahko omogočili izogibanje uporabe teh ukrepov.
Member States shall adopt and publish, by 21 March 2016, the laws, regulations and administrative provisions necessary to comply with this Directive.
Države članice do 21. marca 2016 sprejmejo in objavijo zakone in druge predpise, potrebne za uskladitev s to direktivo.
They shall forthwith communicate to the Commission the text of those measures.
Komisiji nemudoma sporočijo besedila teh predpisov.
Member States shall apply measures referred to in paragraph 1 from 21 March 2016.
Države članice začnejo te ukrepe iz odstavka 1 uporabljati 21. marca 2016.
This Directive shall not apply to credit agreements existing before 21 March 2016.
Ta direktiva se ne uporablja za kreditne pogodbe, ki že obstajajo pred 21. marcem 2016.
Creditors, credit intermediaries or appointed representatives performing activities regulated by this Directive before 20 March 2014 shall comply with the national law transposing Article 9 by 21 March 2017.
Dajalci kreditov, kreditni posredniki ali imenovani predstavniki, ki opravljajo dejavnosti, urejene s to direktivo, pred 20. marcem 2014, do 21. marca 2017 spoštujejo nacionalno pravo za prenos člena 9.
The review shall include the following:
Pregled vključuje naslednje:
an assessment of the use and consumer understanding of and satisfaction with the ESIS;
oceno uporabe ESIS ter razumevanja in zadovoljstva potrošnikov;
an analysis of other pre-contractual disclosures;
analizo drugih predpogodbenih informacij, ki jih je treba razkriti;
an analysis of cross-border business by credit intermediaries and creditors;
analizo čezmejnih poslov kreditnih posrednikov in dajalcev kreditov;
an analysis of the evolution of the market for non-credit institutions providing credit agreements relating to residential immovable property;
analizo razvoja trga za nekreditne institucije, ki ponujajo kreditne pogodbe za stanovanjske nepremičnine;
an assessment on the need for further measures, including a passport for non-credit institutions providing credit agreements relating to residential immovable property;
oceno, ali so potrebni nadaljnji ukrepi, vključno s potnim listom za nekreditne institucije, ki ponujajo kreditne pogodbe za stanovanjske nepremičnine;
an examination of the need to introduce additional rights and obligations with regard to the post-contractual stage of credit agreements;
presojo, ali je treba uvesti dodatne pravice in obveznosti za popogodbeno fazo kreditnih pogodb;
an assessment of whether the scope of this Directive remains appropriate, taking account of its impact on other, substitutable forms of credit;
oceno, ali je področje uporabe te direktive še ustrezno, upoštevajoč njen učinek na druge, zamenljive oblike kredita;
an assessment of whether additional measures are necessary to ensure the traceability of credit agreements secured against residential immovable property;
oceno, ali so potrebni dodatni ukrepi za zagotovitev sledljivosti kreditnih pogodb, ki se zavarujejo s stanovanjsko nepremičnino;
an assessment of the availability of data on trends in prices of residential immovable property and on the extent to which data are comparable;
oceno dostopnosti podatkov glede gibanja cen stanovanjskih nepremičnin in primerljivosti podatkov;
an assessment of whether it continues to be appropriate to apply Directive 2008/48/EC to unsecured credits the purpose of which is the renovation of a residential immovable property involving a total amount of credit above the maximum amount specified in point (c) of Article 2(2) of that Directive;
oceno, ali je še naprej ustrezno uporabljati Direktivo 2008/48/ES za nezavarovane kredite, katerih namen je obnova stanovanjske nepremičnine, pri čemer skupni znesek kredita presega najvišji znesek iz točke (c) člena 2(2) navedene direktive;
an assessment of whether the arrangements for the publication of sanctions under Article 38(2) provide sufficient transparency;
oceno, ali ureditev objave sankcij iz člena 38(2) zagotavlja zadostno preglednost;
an assessment of the proportionality of warnings referred to in Articles 11(6) and 13(2) and the potential for further harmonisation of risk warnings.
oceno sorazmernosti opozoril iz člena 11(6) in člena 13(2) ter možnosti za nadaljnjo harmonizacijo opozoril glede tveganj.
Further initiatives on responsible lending and borrowing
Nadaljnje pobude o odgovornem dajanju in najemanju posojil
By 21 March 2019, the Commission shall submit a comprehensive report assessing the wider challenges of private over-indebtedness directly linked to credit activity.
Komisija do 21. marca 2019 predloži izčrpno poročilo, v katerem oceni širše izzive prezadolženosti pri posameznikih, neposredno povezane s kreditno dejavnostjo.
It will also examine the need for the supervision of credit registers and the possibility for the development of more flexible and reliable markets.
Komisija bo tudi preučila, ali je potreben nadzor kreditnih registrov in kakšna je možnost oblikovanja prožnejših in zanesljivejših trgov.
That report shall be accompanied, where appropriate, by legislative proposals.
Poročilu se po potrebi priložijo zakonodajni predlogi.
Amendment of Directive 2008/48/EC
Sprememba Direktive 2008/48/ES
In Article 2 of Directive 2008/48/EC, the following paragraph is inserted:
V členu 2 Direktive 2008/48/ES se vstavi naslednji odstavek:
Notwithstanding point (c) of paragraph 2, this Directive shall apply to unsecured credit agreements the purpose of which is the renovation of a residential immovable property involving a total amount of credit above EUR 75000.’
Ne glede na točko (c) odstavka 2 se ta direktiva uporablja za nezavarovane kreditne pogodbe za obnovo stanovanjske nepremičnine, pri katerih je skupni znesek kredita višji od 75000 EUR.“
Amendment of Directive 2013/36/EU
Sprememba Direktive 2013/36/EU
In Directive 2013/36/EU, the following Article is inserted:
V Direktivi 2013/36/EU se vstavi naslednji člen:
Articles 53 and 54 shall be without prejudice to the powers of investigation conferred on the European Parliament pursuant to Article 226 TFEU.’
Člena 53 in 54 ne posegata v preiskovalna pooblastila, dodeljena Evropskemu parlamentu v skladu s členom 226 PDEU.“
Amendment of Regulation (EU) No 1093/2010
Sprememba Uredbe (EU) št. 1093/2010
The second subparagraph of Article 13(1) is replaced by the following:
drugi pododstavek člena 13(1) se nadomesti z naslednjim:
‘Where the Commission adopts a regulatory technical standard which is the same as the draft regulatory technical standard submitted by the Authority, the period during which the European Parliament and the Council may object shall be 1 month from the date of notification. At the initiative of the European Parliament or the Council that period shall be extended for an initial period of 1 month and shall be extendable for a further period of 1 month.’
„Kadar Komisija sprejme regulativni tehnični standard, ki je enak osnutku regulativnega tehničnega standarda Organa, lahko Evropski parlament in Svet nasprotujeta v roku enega meseca od dne uradnega obvestila. Na pobudo Evropskega parlamenta ali Sveta se ta rok podaljša za začetno obdobje enega meseca, ki se lahko podaljša še za en mesec.“;
The second subparagraph of Article 17(2) is replaced by the following:
drugi pododstavek člena 17(2) se nadomesti z naslednjim:
‘Without prejudice to the powers laid down in Article 35, the competent authority shall, without delay, provide the Authority with all information which the Authority considers necessary for its investigation including as to how the acts referred to in Article 1(2) are applied in accordance with Union law.’
„Pristojni organ brez poseganja v pooblastila iz člena 35 Organu takoj zagotovi vse informacije, ki jih ta potrebuje za preiskavo, vključno s tem kako se akti iz člena 1(2) uporabljajo v skladu s pravom Unije.“
Done at Strasbourg, 4 February 2014.
V Strasbourgu, 4. februarja 2014
OJ C 240, 18.8.2011, p. 3.
UL C 240, 18.8.2011, str. 3.
OJ C 318, 29.10.2011, p. 133.
UL C 318, 29.10.2011, str. 133.
Position of the European Parliament of 10 December 2013 (not yet published in the Official Journal) and decision of the Council of 28 January 2014.
Stališče Evropskega parlamenta z dne 10. decembra 2013 (še ni objavljeno v Uradnem listu) in odločitev Sveta z dne 28. januarja 2014.
OJ L 69, 10.3.2001, p. 25.
UL L 69, 10.3.2001, str. 25.
OJ C 377, 23.12.2011, p. 5.
UL C 377, 23.12.2011, str. 5.
CALCULATION OF THE ANNUAL PERCENTAGE RATE OF CHARGE (APRC)
IZRAČUN EFEKTIVNE OBRESTNE MERE
I. Basic equation expressing the equivalence of drawdowns on the one hand and repayments and charges on the other.
I. Osnovna enačba, ki izraža enakovrednost črpanj na eni strani ter odplačil in stroškov na drugi strani.
The basic equation, which establishes the annual percentage rate of charge (APRC), equates, on an annual basis, the total present value of drawdowns on the one hand and the total present value of repayments and payments of charges on the other hand, i.e.:
Osnovna enačba, ki določa efektivno obrestno mero, izraža na letni osnovi enakost skupne sedanje vrednosti črpanj na eni strani ter skupne sedanje vrednosti odplačil in plačil stroškov na drugi strani:
X is the APRC
X efektivna obrestna mera
m is the number of the last drawdown
m zaporedna številka zadnjega črpanja
k is the number of a drawdown, thus 1 ≤ k ≤ m
k zaporedna številka črpanja, pri čemer je 1 ≤ k ≤ m
is the interval, expressed in years and fractions of a year, between the date of the first drawdown and the date of each subsequent drawdown, thus t1 = 0
dolžina časovnega intervala, izražena v letih in delih leta, med datumom prvega črpanja in datumom vsakega naslednjega črpanja, pri čemer je t1 = 0
m′ is the number of the last repayment or payment of charges
m’ zaporedna številka zadnjega odplačila ali plačila stroškov
l is the number of a repayment or payment of charges
l zaporedna številka odplačila ali plačila stroškov
is the amount of a repayment or payment of charges
znesek odplačila ali plačila stroškov
is the interval, expressed in years and fractions of a year, between the date of the first drawdown and the date of each repayment or payment of charges.
časovni interval, izražen v letih in delih leta, med datumom prvega črpanja in datumom vsakega odplačila ali plačila stroškov.
The amounts paid by both parties at different times shall not necessarily be equal and shall not necessarily be paid at equal intervals.
Zneski, ki jih plačata stranki ob različnih časih, so lahko različni in se lahko plačajo v različnih časovnih intervalih.
Intervals between dates used in the calculations shall be expressed in years or in fractions of a year.
Časovni intervali med datumi, ki se uporabljajo pri izračunu, se izrazijo v letih ali delih leta.
A year is presumed to have 365 days (or 366 days for leap years), 52 weeks or 12 equal months.
Pri tem se predpostavlja, da ima leto 365 dni (ali 366 v prestopnih letih), 52 tednov ali 12 enakih mesecev.
An equal month is presumed to have 30,41666 days (i.e. 365/12) regardless of whether or not it is a leap year.
Za mesec se predpostavlja, da ima 30,41666 dneva (tj. 365/12) ne glede na to, ali je leto prestopno ali ne.
Where intervals between dates used in the calculations cannot be expressed as a whole number of weeks, months or years, the intervals shall be expressed as a whole number of one of those periods in combination with a number of days.
Kadar časovnih intervalov med datumi, ki se uporabljajo pri izračunih, ni mogoče izraziti kot celo število tednov, mesecev ali let, se izrazijo kot celo število enega od teh obdobij in s številom dni.
Where using days:
Kadar se uporabljajo dnevi:
every day shall be counted, including weekends and holidays;
se šteje vsak dan, vključno s konci tedna in prazniki;
equal periods and then days shall be counted backwards to the date of the initial drawdown;
se enaka obdobja in nato dnevi štejejo nazaj do dneva začetka črpanja;
the length of the period of days shall be obtained excluding the first day and including the last day and shall be expressed in years by dividing this period by the number of days (365 or 366 days) of the complete year counted backwards from the last day to the same day of the previous year.
se dolžina obdobja dni izračuna tako, da se odšteje prvi dan in prišteje zadnji dan, izrazi pa se v letih, tako da se to obdobje deli s številom dni (365 ali 366) celotnega leta, ki se šteje nazaj od zadnjega dne do istega dne predhodnega leta.
The result of the calculation shall be expressed with an accuracy of at least one decimal place.
Rezultat izračuna se zapiše na vsaj eno decimalno mesto natančno.
If the figure at the following decimal place is greater than or equal to 5, the figure at the preceding decimal place shall be increased by one.
Če je na naslednjem decimalnem mestu število 5 ali večje, se število na prejšnjem decimalnem mestu poveča za eno.
The equation can be rewritten using a single sum and the concept of flows (Ak), which will be positive or negative, in other words either paid or received during periods 1 to n, expressed in years, i.e.:
Enačba se lahko preoblikuje z uporabo ene same vsote in koncepta pretokov (Ak), ki bodo pozitivni ali negativni, z drugimi besedami plačani ali prejeti v obdobjih 1 do n, izraženih v letih:
S being the present balance of flows.
pri čemer je S trenutna bilanca pretokov.
If the aim is to maintain the equivalence of flows, the value will be zero.
Če je cilj ohraniti enakovrednost pretokov, bo vrednost enaka nič.
Additional assumptions for the calculation of the APRC
Dodatne predpostavke za izračun efektivne obrestne mere
If a credit agreement gives the consumer freedom of drawdown, the total amount of credit shall be deemed to be drawn down immediately and in full.
Če daje kreditna pogodba potrošniku možnost prostega črpanja, se šteje, da je celotni znesek kredita črpan takoj in v celoti.
If a credit agreement provides different ways of drawdown with different charges or borrowing rates, the total amount of credit shall be deemed to be drawn down at the highest charge and borrowing rate applied to the most common drawdown mechanism for this type of credit agreement.
Če kreditna pogodba predvideva različne načine črpanja z različnimi stroški ali posojilnimi obrestnimi merami, se šteje, da je celotni znesek kredita črpan po najvišjih stroških in najvišji posojilni obrestni meri, ki se obračunajo za najpogosteje uporabljen mehanizem črpanja za to vrsto kreditne pogodbe.
If a credit agreement gives the consumer freedom of drawdown in general but imposes, amongst the different ways of drawdown, a limitation with regard to the amount of credit and period of time, the amount of credit shall be deemed to be drawn down on the earliest date provided for in the credit agreement and in accordance with those drawdown limits.
Če daje kreditna pogodba potrošniku možnost prostega črpanja na splošno, vendar med različnimi načini črpanja predvideva omejitev glede zneska kredita in časovnega obdobja, se šteje, da je znesek kredita črpan na prvi datum, določen v kreditni pogodbi, in v skladu s temi omejitvami črpanja.
If different borrowing rates and charges are offered for a limited period or amount, the highest borrowing rate and charges shall be deemed to be the borrowing rate and charges for the whole duration of the credit agreement.
Če se za omejeno obdobje ali znesek ponudijo različne posojilne obrestne mere in stroški, se kot posojilna obrestna mera in stroški za celotno trajanje kreditne pogodbe vzamejo najvišja posojilna obrestna mera oziroma najvišji stroški.
For credit agreements for which a fixed borrowing rate is agreed in relation to the initial period, at the end of which a new borrowing rate is determined and subsequently periodically adjusted according to an agreed indicator or internal reference rate the calculation of the APRC shall be based on the assumption that, at the end of the fixed borrowing rate period, the borrowing rate is the same as at the time of calculation of the APRC, based on the value of the agreed indicator or internal reference rate at that time, but is not less than the fixed borrowing rate.
Za kreditne pogodbe z dogovorjeno fiksno posojilno obrestno mero v začetnem obdobju, ob izteku katerega se določi nova posojilna obrestna mera, ki se nato redno prilagaja v skladu z dogovorjenim kazalnikom ali interno referenčno obrestno mero, temelji izračun efektivne obrestne mere na predpostavki, da je na koncu obdobja fiksne posojilne obrestne mere posojilna obrestna mera enaka kot ob izračunu efektivne obrestne mere na podlagi vrednosti dogovorjenega kazalnika ali interne referenčne obrestne mere ob tem istem času, vendar ni nižja od fiksne posojilne obrestne mere.