natgillin/translations-raw huggingface dataset:
Sad naših prizadevanj bo oblikoval našo skupno prihodnost.
He added "we must build an intellectual and cultural bridge across the Mediterranean, one founded on mutual enrichment and shared values".
Prek Sredozemlja moramo zgraditi intelektualne in kulturne mostove,ki bodo temeljili na skupnih vrednotah in vzajemni obogatitvi. (...)
He stressed that "Tolerance is central to intercultural dialogue.
Strpnost je jedro medkulturnega dialoga, vendar strpnost ne pomeni ravnodušnosti, brezbrižnosti.
But tolerance does not mean indifference.
Kadar ni mogoče pritrditi mnenju sogovornika, ga je treba spoštovati, izmenjati stališča na miroljuben način in, kadar je to mogoče, oblikovati temelje za skupno delovanje in s tem razrešiti spore.
Before starting his own speech, the Grand Mufti took the hand of Bishop Antoine Odo, President of the Chaldean Bishops of Syria, and together the two men faced the assembled MEPs, who responded with a warm round of applause.
Parlament potrdil predlog direktive o potrošniških kreditih
MEPs adopt consumer credit directive, cross-border credit easier and simpler
Z novimi pravili bodo krediti po Evropi lažje primerljivi
Shopping for a new TV, MEPs make cross-border consumer credit easier
Oktobra 2005 je Komisija predstavila nov, precej skrčen predlog, ki namesto maksimalne uskladitve uvaja ciljno, selektivno uskladitev določenih pravnih osnovnih elementov.
According to the Commission, the consumer credit market across the EU the picture is varied, as markets are in different stages of development.
Gre predvsem za predpogodbene informacije, pogodbene informacije, pravico do preklica, predčasno odplačilo in efektivno letno obrestno mero.
This suggests there are considerable potential benefits, for banks and consumers, in developing a cross border market in consumer credit.
Trenutno stanje in glavni elementi predloga
The directive was proposed by the Commission in autumn 2002 and given a first reading by Parliament in April 2004.
Evropska zakonodaja na področju potrošniških kreditov sedaj določa le minimalne pogoje.
A political informal agreement has been reached with the Council just before the vote.
Trg potrošniških kreditov v EU je trenutno "težak" okoli 800 milijard evrov ali 10 odstotkov BDP in narašča z 8-odstotno letno stopnjo.
It will be easier to calculate the total cost of a loan offered by various banks, credit intermediaries or credit institution.
Krediti pomenijo povprečno 18 odstotkov bruto dohodka komercialnih bank v Uniji, strošek efektivne obrestne mere pa je zelo različen: od 6 odstotkov na Finskem, do 12 odstotkov na Portugalskem.
The new legislation should enable the European economy to take advantage of the potential of the consumer loans market which is worth some €800 billion annually.
Po podatkih ECB za leto 2007 je bil strošek efektivne obrestne mere v Sloveniji 8,7 odstotka.
The way is to develop the cross-border trade in consumer credit.
Čezmejni potrošniški krediti sicer predstavljajo le en odstotek vseh kreditnih transakcij in potrošniki že zaradi jezika ostajajo zvesti bankam v svojih državah članicah.
Removing obstacles should boost competition and prompt credit institutions to improve performance, by diversifying and enhancing their products for Europe’s consumers.
Komisija želi z novo direktivo povečati zaupanje potrošnikov in kakovost informacij, zato nova zakonodaja predpisuje, kaj vse mora dajalec kredita nuditi kreditojemalcu.
In spite of earlier EU regulations (the basic directive in the matter is from 1987) only 1 percent of consumer loans are cross-border.
Informacije za potrošnika
The directive lays down the standard information that must be given to the consumer.
Da bi se potrošniki lahko odločali ob polnem poznavanju dejstev, bi morali še pred sklenitvijo kreditne pogodbe dobiti ustrezne podatke o pogojih in stroških kredita ter svojih obveznostih, ki jih po potrebi lahko odnesejo s seboj in preučijo.
It concerns information mentioned in advertising (when containing financial information on a loan), pre-contractual (which must be given to the consumer before the signing of the contract) and contractual information (included into the contract).
Standardne informacije bi morale biti navedene tudi pri oglaševanju, na jasen način, z reprezentativnim primerom, pa morajo opredeliti:
But if the banks refuses a loan on these grounds, the customer will have the right, to see, without charge, the information in that database and where necessary correct any errors.
- posojilno obrestno mero, fiksno in/ali spremenljivo, skupaj z podrobnostmi o kakršnih koli stroških, ki so vključeni v skupnem strošku kredita za potrošnika;
Where legislation providing for similar measures already exists in a Member State, these mechanisms will be preserved.
- skupni znesek kredita
In other cases, they will have to be set up.
- efektivno obrestno mero;
Right of withdrawal and right to pay off early
- trajanje kreditne pogodbe, če je to potrebno;
A right of cancellation within 14 days will also apply EU-wide.
- v primeru kredita v obliki odloga plačila za blago ali storitev tudi gotovinsko ceno in znesek vsakega vnaprejšnjega plačila;
The compensation cap to be paid by the client for early repayment was the biggest negotiating hurdle between the Council and the EP.
- skupni znesek, ki ga mora plačati potrošnik, in višino obrokov.
The new directive will give consumers the right to pay off loans early while also entitles the lender to ask a compensation for possible costs, fair and objectively justified, directly linked to early repayment of credit .
Krediti od 200 do 75 tisoč evrov
The harmonised method of calculating the loss is given in the text.
Najpomembnejša predlagana sprememba je obseg direktive: nova določila ne bodo veljala za pogodbe za plačilne kartice, notarsko overovljene pogodbe, stanovanjska in hipotekarna posojila ter kredite pod 200 in nad 75 000 evrov.
In the event of early repayment of credit the creditor will be entitled to fair and objectively justified compensation for possible costs directly linked to early repayment of credit provided that the early repayment falls within a period for which the borrowing rate is fixed.
Krediti nad 75 tisoč evrov namreč niso ravno tipični potrošniški krediti, zato je mogoče znižati zgornjo mejo obsega direktive - Komisija je namreč predlagala, da bi ta bila 100 tisoč evrov.
Such compensation may not exceed 1% of the amount of credit repaid early, if the period of time between the early repayment and the agreed termination of the credit agreement exceeds one year.
Spodnja meja 200 evrov pa omogoča, da se v direktivo vključijo tako imenovana SMS posojila, ki so precej razširjena v Skandinaviji in baltiških državah.
Any compensation should not exceed the amount of interest the consumer would have paid during the period between the early repayment and the agreed date of termination of the credit agreement.
Kreditna sposobnost
What loans are covered by the directive?
Če se po sklenitvi kreditne pogodbe stranki dogovorita o spremembi skupnega zneska kredita, dajalec kredita posodobi finančne informacije v zvezi s potrošnikom, ki so mu na voljo, in oceni potrošnikovo kreditno sposobnost pred kakršnim koli večjim zvišanjem skupnega zneska kredita.
The directive will apply only to loan contracts on which interest is paid, and not products such as deferred payment cards (charge cards) and will not cover the mortgage credits.
Vsebina pogodbe
Finding the right balance
Pri kreditnih pogodbah bodo morali biti na jasen in jedrnat način navedeni:
This balancing act explains the long delay in arriving at a second reading.
- vrsta kredita;
Directive does not apply to:
- identiteta in naslovi pogodbenih strank;
(e) credit agreements in the form of an overdraft facility and where the credit has to be repaid within one month;
- trajanje pogodbe;
Next steps
- najvišji znesek kredita in pogoji za črpanje kredita;
British and Irish speakers in the debate 15 January in Strasbourg
- posojilna obrestna mera, pogoji, ki urejajo uporabo te mere in, če je na voljo, indeks ali referenčna obrestna mera, ki se nanaša na začetno posojilno obrestno mero;
Malcolm Harbour (West Midlands, Conservative, EPP-ED, UK) said: "Consumer credit is a really important mechanism for bringing consumers into the market place.
- efektivna obrestna mera in skupni stroški, ki jih mora plačati potrošnik;
We want a thriving and innovative market; we want companies actively offering a wide range of products and services tailored to the need of consumers to buy specific articles, products or services."
- navedba, da se lahko od potrošnika kadarkoli zahteva, da v celoti odplača znesek kredita;
It will oblige the lender to explain and all creditors will be responsible for providing comprehensive and standard information now as a result of our amendments in a simplified format.
- postopek, ki se uporablja pri uveljavljanju pravice do prekinitve kreditne pogodbe;
Diana Wallis (Yorkshire and the Humber, Liberal Democrat, ALDE, UK) said: "As legislators facing that global backdrop, we need to do something.
- informacije o stroških, veljavnih od datuma sklenitve kreditne pogodbe, in po potrebi tudi pogoji, pod katerimi se lahko ti stroški spremenijo.
We need to stimulate the EU’s market in financial services, but of course, on the other hand, we also need to ensure that our consumers make sensible and informed choices and that they have all the information and the comparators available to them to do that.
Preklic in prekinitev pogodbe ter predčasno odplačilo kredita
In this instance we need it and we need to get it right, particularly in view of the global circumstances that we face."
Potrošnik lahko v roku štirinajstih koledarskih dni prekliče kreditno pogodbo brez navedbe razloga.
Eoin Ryan , (Fianna Fáil, Dublin, UEN, IE) said: "I support the need to update EU legislation in this area.
Direktiva predvideva, da bi potrošnik lahko kadarkoli na običajen način brezplačno prekinil odprto kreditno pogodbo, razen če sta se pogodbeni stranki dogovorili o odpovednem roku.
The last time we had a directive on this was in 1987 and certainly the consumer credit market has changed dramatically since then.
Odpovedni rok za potrošnika ne bi smel biti daljši od enega meseca.
This EU directive on consumer credit loans seeks to introduce a greater level of competition into the €800 billion consumer credit market.
Če je obdobje med predčasnim odplačilom in dogovorjeno prekinitvijo (iztekom) pogodbe daljše od enega leta, je lahko nadomestilo največ 1 odstotek že odplačanega zneska kredita.
When you look at the differences in consumer credit rates around Europe – 6% in some countries, up to 12% in others – it surely is time that the consumer got a better choice."
Če pa je to obdobje krajše od enega leta , nadomestilo ne sme presegati pol odstotka že odplačanega zneska.
Godfrey Bloom (UKIP, Yorkshire and the Humber IND/DEM, UK) said: "I see not a great deal of experience so it is a question of the blind leading the blind and I think that this place which has not managed to audit its own books for nearly 11 years commenting on this is slightly absurd.
Začetek veljavnosti in izvajanja
A fool and his money are soon parted."
20080111IPR18242 Direktiva potrošniških kreditih - prečiščeno besedilo Evropska komisija: Direktiva o potrošniških kreditih - sporočilo za medije (v angleščini)
93/13/CE) Text, as adopted by the EP on 16 January, will shortly be available here European Commission background on the consumer credit directive -14 January 2008
V tehnologiji baterij in akumulatorjev zaostajamo za azijskimi tekmeci za pet do deset let."
MEPs stress that additional safety systems might increase the weight of passenger cars and thus lead to higher CO2 emissions.
Parlament tudi opozarja na pomembnost avtomobilske industrije za zaposlenost, rast, inovacije in konkurenčnost, obenem pa meni, da je treba poleg korenitih sprememb v tem sektorju prilagoditi tudi politiko, da se zaradi evropske zakonodaje ne izgubijo delovna mesta.
They therefore call on the Commission to develop a system that allows car manufacturers to emit additional CO2 if these are a result of legally binding safety measures.
125g CO2/km za nova osebna vozila, bi po tem letu lahko bil dosegljiv.
"Effective protection of IPR" should be a precondition for any partnership with China.
Prav učinkovito varstvo predpisov o intelektualni lastnini je zato glavni pogoj za prihodnje sodelovanje s Kitajsko in oblikovanje ureditvenega okvira, ki bo omogočal enotne pogoje delovanja.
We would like to see a proper implementation of the Regulation on Motor Vehicle Distribution in the EU and we believe it is fundamental to address non-harmonised implementation, the End-of-Life Vehicles Directive.
Komisija pa bi morala v okviru pogajanj o sporazumu o prosti trgovini s Korejo zagotoviti, da bo ta država odpravila vse obstoječe tarifne in netarifne ovire, kar naj bo predpogoj za postopno opustitev uvoznih tarif EU z zaščitnimi ukrepi.
We have to improve cross-border inspections of vehicles and cross border enforcement of traffic rules in other Member States, because otherwise the whole situation becomes very disparate.
Skupni trg za rezervne dele za predelave
But, like Mr Turmes, I believe that what we should be looking for is a framework which extends to 2020 and beyond."
Tovrstne okvare se namreč vedno pogosteje pojavljajo, veljavna zakonodaja pa je lahko pomanjkljiva, saj ne obravnava vseh delovnih razmer oziroma ne pokriva vseh s poklicem povezanih tveganj za mišično-kostne okvare.
MEPs, therefore, suggest transforming the EU recommendation on occupational diseases into a minimum directive.
Države članice parlamentarci pozivajo, naj pripravijo nacionalne akcijske načrte za postopno odstranjevanje azbesta, vključno z obveznim evidentiranjem azbesta v stavbah in zagotavljanjem njegovega varnega odstranjevanja.
Member States should draw up national action plans on phasing out asbestos which should include obligations to map asbestos in buildings and to provide for a safe removal, say MEPs.
Ohranitev zaposlitve
Obligatory job retention
Rehabilitacija in ponovna vključitev zaposlenih po bolezni ali nesreči pri delu sta bistvenega pomena, zato bi se morale nacionalne strategije še posebej posvetiti tema vidikoma.
The report calls on governments to ensure that people who have experienced a physical or mental illness during their working lives retain their jobs e.g. through training or reallocation of tasks.
Slovenski premier Janez Janša v Evropskem parlamentu Slovenski premier Janez Janša v Evropskem parlamentu
Slovene PM Janez Janša sets out his country's priorities to MEPs Slovene PM Janez Janša sets out his country's priorities to MEPs
Slovenski premier Janez Janša bo na sredinem plenarnem zasedanju v Strasbourgu predstavil prednostne naloge Slovenije med njenim predsedovanjem Uniji.
Slovenia's PM Janez Janša will be in Strasbourg on Wednesday to set out his country's priorities for their Presidency of the EU.
Janša, ki je bil v prejšnji državi oporečnik in predvsem velik kritik takratne Jugoslovanske ljudske armade, je bil leta 1988 zaradi svojih disidentskih aktivnosti tudi zaprt.
Mr Janša is a former dissident who was imprisoned in 1988 for activism against the then Yugoslav army.
Ta je na parlamentarnih volitvah leta 2004 zmagala, Janša pa je bil izvoljen za predsednika vlade.
He was elected Slovenia's Prime Minister in 2004 when his right of centre SDS party achieved a majority in Parliament.
Rodil se je leta 1958, je diplomiran obramboslovec, napisal je več knjig, med njimi so najbolj znani Premiki.
Born 1958 and a Graduate of defence studies from Ljubljana University, he has written several books - the best known is Premiki (1992), translated into English as "The Making of the Slovenian State".
Po potrošniške kredite v tujino?
Consumer credit legislation heads for Parliamentary vote
Kje dobiti najugodnejše posojilo za pralni stroj?
Europe-wide credit: a consumers dream?
Dve tretjini Evropejcev jih najame za večje nakupe, kot so denimo televizije, pohištvo ali računalnik.
Two-thirds of Europeans use credit to buy things like TVs and washing machines.
Pri tem so čezmejni krediti v EU še zmeraj zelo redki.
Most credit loans are easy to get and come from national companies.
Evropski poslanci bodo zato na torkovem plenarnem zasedanju v Strasbourgu razpravljali o novi direktivi, s katero naj bi omogočili odprtje nacionalnih trgov potrošniških kreditov, oblikovati pa želijo tudi skupna evropska pravila za zaščito potrošnikov pri najemanju kreditov.
On Tuesday MEPs will discuss proposals to facilitate credit across EU borders, making it easier for companies to compete across the European market.
Januarja 2007 so v državah evroobmočja odobrili za 588 milijard evrov potrošniških posojil, kar je 13 odstotkov vseh posojil (4.533 milijard evrov), ki so bila podeljena v istem obdobju.
The vote is on Wednesday, but the outcome is by no means clear.
Krediti v višini od 200 do 75.000 evrov
The new legislation will cover loans from €200 to € 75,000.
Predmet nove direktive so krediti v višini od 200 do 75.000 evrov.
It will not cover mortgages and charge cards.
Spodnja meja 200 evrov omogoča, da direktiva obravnava tudi tako imenovana SMS posojila, ki so precej razširjena v Skandinaviji in baltiških državah.
The lower limit was set to cover SMS "quick loans", which are growing in popularity - especially in places like Sweden and Estonia.
Posojilojemalci lahko zanje zaprosijo s sporočilom SMS, odobrijo pa jim ga pogosto v vsega 15. minutah.
Under this system you can borrow hundreds of euros within 15 minutes by sending a text.
Obrestne mere za kredite se od države do države članice razlikujejo.
Customers pay different rates depending where they live.
Cilji nove direktive
Extend the EU's internal market.
Nova direktiva naj bi omogočila odprtje nacionalnih trgov potrošniških kreditov, saj so čezmejni krediti še zmeraj zelo redki.
Allow people to choose the best offer available from banks or credit companies in another European country.
Ta predvideva, da lahko potrošnik v štirinajstih koledarskih dneh prekliče kreditno pogodbo brez navedbe razloga.
Credit companies will have to explain the benefits and drawbacks of their products.
Odpovedni rok za potrošnika ne bi smel biti daljši od enega meseca.
Of this €588 billion (13%) was in the form of consumer credit.
Države članice naj bi z nacionalnimi predpisi zagotovile, da bo kreditodajalec pred sklenitvijo pogodbe ocenil potrošnikovo kreditno sposobnost na podlagi zadostnih informacij, ki jih bo pridobil od potrošnika in po potrebi iz ustreznih zbirk podatkov.
Since the initial proposal by the Commission in 2002, the complexity of the directive and its scope has ensured intense debate.
Če se po sklenitvi kreditne pogodbe stranki dogovorita o spremembi skupnega zneska kredita, kreditodajalec dopolni finančne informacije, ki so mu na voljo o potrošniku, in oceni njegovo kreditno sposobnost pred vsakim večjim zvišanjem skupnega zneska kredita.
Conflicting opinion about the level of penalties for early repayments on credit loans has been a key issue.
Poročevalec skeptičen
MEPs give proposals mixed reaction
Po njegovem mnenju bi lahko prinesla dodatne stroške in še več birokracije, potrošniki pa bi bili še bolj zasuti z informacijami, ki jih ne bi mogli več obvladovati.
Reacting to fears over people getting into debt with easy credit, he said that "you cannot prevent people becoming overly indebted by law, or you would have to prohibit people from taking out credit".
Prezadolženost ljudi z zakoni ni mogoče preprečiti, saj bi jim morali v tem primeru preprečiti, da sploh lahko najamejo kredite, je še dejal poslanec Lechner.
However, he thinks that the approach taken by national ministers in the Council is "overly complicated and overloaded" and that "consumers will be inundated with information".
Lechnerjevo stališče je na seji Odbora za ekonomske in monetarne zadeve pretekli petek močno kritizirala nemška socialdemokratka Evelyne Gebhardt , ki je menila, da prav zaradi njega pretekli teden ni prišlo do soglasja s Svetom EU.
German Socialist Evelyne Gebhardt has said the rapporteur’s position has not allowed an agreement to be reached with the Council of ministers prior to the vote in plenary.
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-//EP//TEXT IM-PRESS 20071211IPR14719 0 NOT XML V0//EN
Pogovor s premierom Janezom Janšo: "Slovenija je pripravljena veliko narediti"
Slovenia's Janša ready to solve Kosovo impasse
Slovensko predsedovanje se je začelo z nasmehom
A smiling Janez Janša at Parliament yesterday
Slovenski premier Janez Janša se je v sredo mudil na obisku v Evropskem parlamentu, kjer je evropskim poslancem predstavil prednostne naloge Slovenije med njenim šest mesečnim predsedovanjem EU.
Wednesday morning saw Slovene Prime Minister Janez Janša outline to MEPs the key aspects for his country's 6-month Presidency of the EU.
V svojem govoru je primerjal življenje v času komunizma in položaj Slovenije danes v Evropi.
He said that job creation and resolving the impasse over the status of Kosovo would be among his main aims.
Poudaril je tudi pomen ustvarjanja novih delovnih mest in napredek pri reševanju kosovskega vprašanja.
He contrasted the freedom and position the people of Slovenia now enjoyed with his persecution in Communist Yugoslavia.
Med njegovim obiskom v Strasbourgu smo ga prosili za kratek pogovor.
While he was in Strasbourg, we interviewed Mr Janša exclusively for the Parliament's website.
Kako lahko Slovenija kot majhna država in nova država članica s svojim predsedovanjem obogati EU?
He contrasted the freedom and position the people of Slovenia now enjoyed with his persecution in Communist Yugoslavia.
Kaj posebnega lahko prispeva k EU?
What can a small and young country bring to the office of Council Presidency?
"Slovenija lahko prispeva večjo zagnanost, energijo, pripravljenost generacij, ki so se zavestno odločile za življenje v EU, da skupaj gradijo evropsko prihodnost.
Slovenia can contribute ambition, energy and the willingness of the generation which consciously decided to live in the EU and to build a European future together.
Ta entuziazem je, kot kažejo tudi rezultati slovenskega referenduma in nekateri drugih ob vstopu v Evropsko unijo, v novih državah članicah precej večji, tudi zaradi tega, ker poznamo alternativo Evropski uniji.
This enthusiasm - which shows also the results of the Slovene referendum in entering the EU - is very big in the new member states, especially as we are aware of the alternative to the EU.
Vemo, da je ta bistveno slabša.
We know that it is much worse.
Zaradi tega smo pripravljeni narediti zelo veliko, da se Unija, katere sestavni del smo zdaj tudi sami, ohrani, krepi in razvija.
Therefore we are ready to do a lot to maintain, strengthen and develop the EU.
Seveda pa gre tudi za konkretne stvari.
There are also concrete things.
V Sloveniji je mnogo dobrih praks, ki so lahko vzor tudi drugim članicam EU.
Since its independence, Slovenia has developed many good practices that other countries could emulate.
Danes sem bil vesel, da je bilo nekaj le-teh naštetih tudi v razpravi, v kateri je sodelovalo skoraj 50 poslancev in poslank Evropskega parlamenta.
For example during a discussion today in which about 50 MEPs took part, I was pleased that some Slovenian good practices were mentioned.
Bil sem vesel, ko sem videl, da člani EP iz drugih držav poznajo nekatere dobre izdelke, ki jih proizvajamo v Sloveniji, da poznajo našo himno, našo zgodovino.
I was very happy to see that MEPs from different countries know some of our products, our anthem, our history and so forth.
To nas navdaja s posebnim entuziazmom na začetku tega projekta predsedovanja."
This fills us with a special enthusiasm right at the start of the presidency.
Ena izmed prednostnih nalog predsedovanja je okrepitev odnosov med EU in Zahodnim Balkanom.
A priority of your Presidency is to strengthen the relationship between the EU and Western Balkans.
Seveda so ob tem pogledi številnih usmerjeni predvsem na Kosovo in v njegovo prihodnost.
With many eyes on that region - especially in relation to Kosovo - what are your predictions?