natgillin/translations-raw huggingface dataset:
J. ker hipotekarni posojilodajalci ali potrošniške organizacije presenetljivo malo vztrajajo pri razvoju čezmejnega najemanja posojil, ki je drugačno od fizične ustanove na ločenih nacionalnih trgih,
J. whereas, surprisingly, there is little pressure from mortgage lenders or consumer organisations to develop cross-border lending other than by physical establishment in the separate national markets,
K. ker so precejšnje tržne ovire doslej ovirale rast čezmejnih ponudb za hipotekarni kredit, ki trenutno znašajo manj kot 1 % celotnega hipotekarnega trga EU,
K. whereas considerable market barriers have so far hindered the increase of cross-border mortgage credit offers, so far amounting to less than 1% of the overall EU mortgage market,
L. ker Skupnost pri številnih pomembnih vprašanjih nima pristojnosti oziroma je ta omejena in ker je treba upoštevati načeli subsidiarnosti in sorazmernosti,
L. whereas on a number of important issues the Community has no competence, or only a limited competence, and whereas the principles of subsidiarity and proportionality must be respected,
M. ker lahko hipotekarni posredniki igrajo pomembno vlogo, saj uporabljajo lastne izkušnje, pridobljene na področju s hipotekami povezanimi proizvodi na domačem trgu kot tudi na trgih drugih držav članic, ter tako podprejo čezmejne dejavnosti in predstavljajo most med potrošniki in tujimi kakor tudi lokalnimi finančnimi institucijami;
M. whereas mortgage brokers can play an important role, drawing on their expertise with mortgage products on their domestic market but also in markets across Member States, supporting cross-border activity and acting as a bridge between consumers and both foreign and local financial institutions,
N. ker med državami članicami zaradi pravnih, davčnih, zakonodajnih pogojev in pogojev varstva potrošnikov obstajajo bistvene razlike v vrstah in značilnostih izdelkov, prodajnih strukturah, trajanju posojil in mehanizmih financiranja,
N. whereas significant variations in the range and characteristics of products, distribution structures, loan durations, and funding mechanisms exist between Member States, due to differing legal, fiscal, regulatory, and consumer protection conditions,
O. ker je delovanje trgov hipotekarnih kreditov izjemno kompleksno in ker se pravni red, kultura financiranja, ureditev na področju nepremičnin in zemljiških knjig, stvarno pravo, ureditev za kreditne pogodbe, pravila za ovrednotenje, postopki prisilne prodaje, trgi za refinanciranje kreditov in podobno, med posameznimi državami zelo razlikujejo, hkrati pa so ta področja medsebojno zelo odvisna,
O. whereas mortgage credit markets display an extremely high degree of complexity; whereas legal systems and financing cultures, property law and land register systems, law of rights in rem, law governing credit agreements, valuation issues, forced sales procedures, refinancing markets, etc. differ considerably from one country to another while at the same time an internal coherence exists among the various fields,
P. ker še vedno obstajajo davčne ovire diskriminatorne narave, ki preprečujejo izkoriščanje enotnega trga za hipotekarne kredite in lahko v nekaterih primerih tudi kršijo zakonodajo ES;
P. whereas there still exist tax obstacles of a discriminatory nature which impede the exploitation of a single market for mortgage credit and may in some cases even contravene EC legislation,
Q. ker obstaja neposredna povezava med hipotekarnim trgom in makroekonomsko politiko ter predvsem izvajanjem monetarne politike,
Q. whereas there is a direct link between the mortgage market and macro-economic policy and the conduct of monetary policy in particular,
R. ker lahko nestanovitnost hipotekarnega trga vpliva na stanovanjske in gospodarske cikle in lahko zato povzroči sistemsko tveganje,
R. whereas mortgage market volatility can affect housing and economic cycles and thus cause systemic risk,
S. ker bi se bilo treba – če naj trg hipotekarnih kreditov EU postane učinkovitejši in bolj konkurenčen – najprej osredotočiti na izvajanje in učinkovitost priporočila Komisije z dne 1. marca 2001 o predpogodbenih informacijah, ki jih potrošnikom posredujejo posojilodajalci, ki ponujajo stanovanjska posojila,
S. whereas, in order to bring more efficiency and competitiveness to the EU mortgage credit market, it may be preferable to look first at the implementation and effectiveness of the Commission Recommendation of 1 March 2001 on pre-contractual information to be given to consumers by lenders offering home loans
UL L 69, 10.3.2001, str.
OJ L 69, 10.3.2001, p.
T. ker se zdi, da je imelo izvajanje prej omenjenega kodeksa vedenja različno stopnjo uspeha v državah članicah in pri tem še vedno ni bila rešena globalna težava, ki je pomanjkanje skupnega zakonodajnega okvira,
T. whereas the above-mentioned Code of Conduct appears to have been implemented with varying degrees of success across Member States, yet without solving the overall problem of the lack of a common legal framework,
4. odobrava prizadevanje Komisije, da bi upoštevala zahteve po boljši ureditvi; kljub temu jo opominja, da morajo biti vse odločitve vedno sprejete po obsežnem posvetovanju;
Welcomes the Commission's efforts to date to comply with better regulation requirements; however, reminds the Commission that any conclusions reached should always be the result of an extensive consultation process;
7. vztraja, da ukrepi EU me smejo omejevati konkurence in inovacij, zlasti kar zadeva proizvode, pomožne storitve in tehnike financiranja;
Insists that any EU action should not hamper competition and innovation, in particular regarding products, ancillary services and funding techniques;
Kodeks vedenja in predpogodbene informacije
Code of Conduct and pre-contractual information
10. meni, da sta kodeks vedenja in evropski standardni informativni list pomembni, vendar nezadostni sredstvi za zaščito ekonomskih interesov državljanov, ki se selijo v drugo državo članico in bodo verjetno tam kupili nepremičnino; poziva Komisijo, naj razmisli o tem, da bi bil kodeks vedenja, ki je trenutno prostovoljni, v prihodnje zavezujoč;
Considers the Code of Conduct and the ESIS to be important yet insufficient instruments for the protection of the economic interests of citizens moving between Member States and likely to acquire property in other Member States; encourages the Commission to consider making the Code of Conduct, which is currently voluntary, mandatory in the future;
11. meni, da je razvoj skupnega, odprtega in združljivega trga financiranja prednostna naloga, saj bo povečal učinkovitost, omogočil mednarodno razpršitev kreditnega tveganja, optimiziral pogoje financiranja in razporeditve kapitala ter zmanjšal stroške najemanja posojil; priznava pomen in možnost povezovanja tržnih iniciativ na tem področju;
Considers that the development of a single, open and compatible funding market is a first priority as it will boost efficiency, allow international diversification of credit risk, optimise funding conditions and capital allocation, and reduce borrowing costs; recognises the importance of and the potential for integrating market-led initiatives in this area;
19. podpira ukrepe Komisije za enostavnejši postopek čezmejnih združitev in prevzemov na področju finančnih storitev, in zagotavlja, da distribucijske mreže upoštevajo zahteve regionalnih razmer in manjšij trgov, vendar ugotavlja, da čezmejne združitve in prevzemi sami ne bodo spodbujali združevanja trga na tem področju;
Supports Commission action to facilitate cross-border mergers and acquisitions in financial services, while ensuring that distribution networks take into account the requirements of regional situations and smaller markets, but notes that cross-border mergers and acquisitions alone will not promote integration of the market in this area;
22. poziva Komisijo, da preuči ovire pri čezmejnih prenosih posojil in da nadalje razišče možnosti evrohipoteke kot zavarovalnega instrumenta, vključno s spremljevalnimi jamstvi;
Calls on the Commission to investigate impediments to the transfer of loans across borders and to explore further the potential of the Euromortgage as a collateral instrument, including consideration of the accompanying guarantees;
25. poziva Komisijo, naj spodbuja razvoj mehanizmov za obnovljive hipoteke in hipotekarna posojila z življenjskimi anuitetami s popolnimi jamstvi kar zadeva javne informacije, ob upoštevanju vprašanj zaupnosti in učinkov do tretjih oseb;
Calls on the Commission to encourage the development of mechanisms for rechargeable mortgages and life annuity mortgage loans with full guarantees in terms of public information, with due regard to issues of confidentiality and effects vis-à-vis third parties;
28. vztraja, da morajo biti posojilodajalci sposobni potrošnikom zagotoviti vse informacije v zvezi s transakcijami in pravnimi obveznostmi, ki jih prevzamejo kot posojilojemalci, kot so pravni stroški, stroški vpisa in vodenja, itd;
Maintains that lenders ought to be in a position to supply consumers with any other information related to transactions and the legal obligations to be entered into by the borrower, such as legal fees, registration and administration fees, handling charges, etc.;
Pravne, davčne in operativne ovire
Legal, fiscal and operational barriers
36. poudarja pomen obsežne in zanesljive podatkovne baze o posojilih strank in poziva Komisijo, da spodbuja razvoj procesa prehoda v usklajeno oblikovano podatkovno bazo v vseh državah članicah;
Stresses the importance of comprehensive and reliable client credit databases and urges the Commission to promote the development of a process of transition to a consistent format in all Member States;
Sistemska, makroekonomska in bonitetna vprašanja
Systemic, macroeconomic and prudential issues
Trgi hipotekarnih kreditov
Mortgage credit markets
Znesek neporavnanih hipotekarnih posojil je konec leta 2004 znašal 4,7 bilijona EUR ali 45 % BDP EU
Mortgage loans outstanding at the end of 2004 amounted to €4.7 trillion, or 45% of the EU's GDP
S tem se je financiral rastoč stanovanjski trg, v nekaterih državah pa se je sprostil kapital, na primer za financiranje primanjkljajev v pokojninskih zavarovanjih.
This has financed a burgeoning housing market and, in some countries, released equity to fund, for example, shortfalls in retirement provision.
Hipotekarne finance so eden izmed sektorjev, za katere se pričakuje, da bodo v prihodnjih 15 letih najhitreje rasli.
Mortgage finance is one of the sectors expected to grow most over the next 15 years.
Primer združevanja
The case for integration
Ekonomije obsega in priložnosti za razpršitev so ene izmed mnogih morebitnih koristi večjega združevanja hipotekarnih trgov EU za hipotekarne posojilodajalce in financerje.
Among the several potential benefits of greater integration of EU mortgage markets, mortgage lenders and funders would realise economies of scale and opportunities for diversification.
To mora povečati konkurenčnost, učinkovitost, izbiro potrošnikov in znižati stroške.
This should improve competition, efficiency and consumer choice and reduce costs.
Za ljudi, ki trenutno ne morejo vstopati na stanovanjski trg, je treba to možnost povečati.
There should be more opportunities for people currently unable to enter the housing market to do so.
Bolj povezan hipotekarni trg lahko pripomore k mobilnosti delovne sile in pokojninskemu financiranju.
A more integrated EU mortgage market could help labour mobility and retirement financing.
Nakup hiše za veliko ljudi predstavlja največji nakup v življenju, zato je s tem povezana hipoteka njihova največja finančna obveznost.
A home represents the largest lifetime purchase for many and the related mortgage is often their largest financial obligation.
Hipotekarni dolg vpliva na potrošniško povpraševanje in preko porabe gospodinjstev na celotno gospodarstvo.
Mortgage debt impacts consumer demand and the general economy via household spending.
Zato bi lahko večje povezovanje vplivalo na celotno gospodarstvo EU in uravnovesilo stanovanjske izdatke ter drugo porabo in investicijske odločitve.
Hence greater integration could affect the EU economy overall and the balance between housing expenditure and other consumption and investment choices.
Izboljšanje kapitalske učinkovitosti in zmanjšanje kreditnega tveganja se navezuje na ekonomske in socialne cilje lizbonske agende.
By improving capital efficiency and lowering credit risk, there is a link to the Lisbon agenda's economic and social targets.
Pomanjkanje povezanosti
Lack of integration
Zelena knjiga navaja, da so evropski hipotekarni trgi slabo povezani in poudarja pomanjkanje čezmejnega najemanja posojil ter raznolikosti v izboru proizvodov med državami.
The Green Paper says the EU mortgage credit markets are poorly integrated, pointing out the lack of cross-border lending and the variation in range of products from country to country.
Predhodna prizadevanja so omogočila bankam, da lažje čezmejno poslujejo (na primer pri odpiranju poslovalnic), vendar je povezovanje trga na drobno omejeno.
Previous endeavours have made it easier for banks to operate cross-border (for example, when setting up branches), but retail market integration is limited.
Akcijski načrt za finančne storitve se je osredotočil predvsem na grosistični trg.
The Financial Services Action Plan has focused primarily on wholesale markets.
Obstajajo pomembne razlike med državami članicami, ki odsevajo različne socialne, kulturne, pravne in davčne razmere.
There are significant differences between member states, which reflect the different social, cultural, legal and fiscal conditions.
Razmerje lastnik-stanovalec je višje v južnih in vzhodnih državah
Owner-occupier rates tend to be higher in the Southern and Eastern countries
Najemanje hipotekarnih kreditov je v novih državah članicah še relativno majhno, vendar se zdi, da se dinamičen stanovanjski trg razvija.
Mortgage borrowing in the new member states is relatively small, although a dynamic housing market appears to be developing.
Neplačani hipotekarni dolg kot delež BDP (EU-25) sega od 111 % na Nizozemskem do 2,3 % BDP v Sloveniji
Mortgage debt outstanding as a share of GDP (EU-25) ranges from 111% in the Netherlands to 2.3% of GDP in Slovenia
Nekatere države hipoteke opredelijo kot posojila, ki so zavarovana z lastnino, druge pa kot kreditno zavarovanje za nakup hiše uporabijo osebna jamstva.
Some countries define mortgages as loans secured on a property, while others use personal sureties to guarantee loans for house purchase.
Razlikujejo se izbor izdelkov, prodajne strukture, trajanje posojil in mehanizmi financiranja.
The range of products, distribution structures, loan durations and funding mechanisms vary.
Zaradi nezdružljivih davčnih pogojev kot tudi dodatnih zakonodajnih in bonitetnih zahtev nacionalnih zakonodajnih organov je vstop na nove trge zapleten in drag.
Incompatible fiscal conditions, as well as additional regulatory or prudential requirements from national regulators, make entering a new market complex and costly.
Poleg tega pa so se nacionalni stanovanjski trgi razvijali z očitnimi socialnimi in kulturnimi razlikami.
Furthermore, national housing markets have developed with marked social and cultural differences.
Vseevropski trg financiranja trenutno še ne obstaja.
There is currently no pan-European funding market.
Razdrobljen je zaradi pravnih, davčnih in zakonodajnih ovir.
It is fragmented because of legal, tax and regulatory obstacles.
Hipoteke se financirajo predvsem iz prihrankov prebivalstva.
Mortgages are funded mostly by retail savings.
Kapitalski trgi financirajo manj kot 40 %, čeprav ta delež v zadnjem času hitro raste
Less than 40% are financed via capital markets, even though this has grown fast recently
Poročilo Forumske skupine za hipotekarne kredite, 2004. .
Report by the Forum Group on Mortgage Credit, 2004. .
Trg hipotekarnih obveznic je na Švedskem in v Nemčiji pomemben, na Danskem pa hipotekarne ustanove izdajajo hipotekarne obveznice v protivrednosti vseh hipotekarnih posojil.
Sweden and Germany have substantial mortgage bond markets and in Denmark mortgage institutions issue mortgage bonds against the entire value of mortgage loans.
Trgi hipotekarno zavarovanih vrednostnih papirjev (MBS) so najmočnejši na Nizozemskem, v Španiji, Italiji, Veliki Britaniji, na Irskem in v Belgiji, vendar v nekaterih državah ne obstajajo
Mortgage backed securities (MBS) markets are strongest in the Netherlands, Spain, Italy, UK, Ireland and Belgium, but do not exist in some countries
Raziskava "London Economics", avgust 2005. .
London Economics study, August 2005. .
Akcijski načrt za finančne storitve (FSAP) je zagotovil dobro osnovo za bolj dinamičen in konkurenčen evropski sektor finančnih storitev z izboljšanimi in posodobljenimi pravili o zaščiti vlagateljev in preglednosti.
The FSAP has provided a good basis for a more dynamic and competitive European financial services industry with improved and more up-to-date rules on investor protection and transparency.
Evroobmočje zagotavlja valutno območje, kjer za posojilojemalce in posojilodajalce tečajno tveganje ne obstaja, kapitalski trgi pa so se hitro razvili, postali prilagodljivi in likvidni.
The eurozone provides a currency zone where exchange risk is eliminated for borrowers and lenders and the capital markets have quickly developed to be substantial, flexible and liquid.
Zelena knjiga
The Green Paper
Zelena knjiga preučuje morebitne koristi nadaljnjega povezovanja in se osredotoča na štiri ključna področja, ki so poudarjena v poročilu forumske skupine: varstvo potrošnikov, pravne zadeve (vključno z obdavčenjem), zavarovanje s premoženjem in financiranje.
The Green Paper examines the potential benefits of further integration and focuses on four main areas highlighted by the Forum Group report: consumer protection, legal issues (including taxation), collateral and funding.
V začetku leta 2007 namerava Komisija izdati belo knjigo, v kateri bodo predstavljene vse ugotovitve z njenih posvetovanj in predlagane pobude.
The Commission intends to publish a White Paper in early 2007, setting out its consultation findings and any proposed initiatives.
Cilj vsakega predloga bo povečanje konkurenčnosti in tržne učinkovitosti.
Any proposals would aim to increase competition and market efficiency.
Noben sistem financiranja, proizvod ali institucija ne bodo obravnavani prednostno.
It will not favour particular funding systems, products or institutions.
Mnenje poročevalca
Your rapporteur's opinion
Na delavnici odbora 22. februarja je bilo jasno, da s strani sektorja in potrošniških skupin ni resničnega zanimanja za večje čezmejno opravljanje hipotekarnih posojil.
It was clear from the Committee's Workshop of 22 February that there is no strong appetite from either industry or consumer groups for greater cross-border provision of mortgage credit.
Posojilojemalci najbrž ne bodo v tujini kupovali ali jemali hipoteke pri tujemu posojilodajalcu, razen če njihovih proizvodov ne oglašujejo ali so predmet podobnega varstva kot v njihovi državi.
Borrowers are unlikely to shop abroad or take out a mortgage with a foreign-based lender, unless their products are being promoted in or subject to the familiar protections of their home country.
Posojilodajalci ne kažejo velikega zanimanja za čezmejno poslovanje in poudarjajo pomen poznavanja lokalnega trga.
Lenders show little interest in cross-border lending, stressing the importance of local market knowledge.
Pravo zanimanje za enotno, usklajevalno direktivo ne obstaja.
There is also no real appetite for a single, harmonising directive.
Lokalna kultura in tradicija sta pripomogli k oblikovanju proizvodov na nacionalnih trgih, potrošniki si pa ne želijo velikega preoblikovanja trga, predvsem pa ne zmanjšane izbire ali standardov za varstvo potrošnikov, ki bi jih lahko sprožilo usklajevanje.
Local culture and traditions have helped shape the type of products available on national markets and consumers are unlikely to want a massive overhaul of the market and certainly no reduction in choice or consumer protection standards, which harmonisation might entail.
Popolna uskladitev bi bila z vidika sektorja draga, predvsem na področjih, kot je informiranje in svetovanje potrošnikom.
From an industry perspective, full harmonisation would be expensive, especially in areas such as consumer information and advice.
Obstaja tudi odpor do osnovanja povezovanja na vzajemnem priznavanju brez bolj enakovrednih pogojev.
There is also resistance to basing integration on mutual recognition without a more level playing field.
Pred dvajsetimi leti vloženi zakonodajni predlog Komisije, katerega cilj je bil oblikovati prost trg za hipotekarne kredite, ki bi temeljil na vzajemnem priznavanju, ni bil zaradi nesoglasja Sveta nikoli sprejet.
20 years ago the Commission proposal for legislation, which aimed to bring about a free market for mortgage credit based on mutual recognition, was never adopted due to disagreement in the Council.
Kljub temu raziskava "London Economics"
The London Economics survey
Prav tam. pravi, da so se bili posojilodajalci pripravljeni širiti na tuje trge preko posrednikov, ustanavljanja hčerinskih družb ali podružnic.
Ibid. found that lenders were, however, interested in expanding into foreign markets by using brokers or establishing subsidiaries or branches.
Vendar posojilodajalce od takega načina vstopanja na skupni trg odvračajo tehnične ovire.
Nevertheless, technical barriers dissuade lenders from exploiting the single market even in this way.
Vsak ukrep EU mora koristiti splošni javnosti in to neposredno hipotekarnim posojilojemalcem ali preko izboljšanja gospodarstva.
Any EU action must benefit the general public, either directly as mortgage borrowers or via an improved economy.
Naš cilj mora biti oblikovanje pogojev, ki bodo spodbujali večjo konkurenco med posojilodajalci v različnih državah članicah, da se razvije evropski trg hipotekarnih kreditov s širokim naborom proizvodov po konkurenčnih cenah.
We should aim to establish the conditions which will encourage greater competition between lenders established in different member states, in order to develop a European mortgage credit market with a broad range of products at competitive prices.
Pazljivi moramo biti, da ne bomo delovali na način, ki bi škodoval temu sektorju v razcvetu.
We must be careful not to act in a way which could be detrimental to this booming sector.
Zakonodajne ukrepe lahko podpremo le, ko obstaja velika verjetnost dejanskega napredka in ko koristi presegajo stroške.
Only when there is a strong prospect of real improvement and where the benefits outweigh the costs should we favour legislative action.
Nadaljnje presoje vplivov je treba zato opraviti za vsak v prihodnosti predlagan ukrep.
Further impact assessments should therefore be carried out on any specific measures proposed in the future.
Poročevalec bi podprl ciljne ukrepe, ki so namenjeni odstranjevanju posebnih ovir za posojilodajalce, ki vstopajo na trge drugih članic EU.
Your rapporteur would favour targeted measures aimed at removing specific barriers to lenders entering other EU countries' markets.
Kjer je mogoče, je samoureditev primernejša od zakonodaje in bodo tako sektor kot potrošniške skupine popolnoma vključeni v vse pobude.
Where possible, self-regulation is preferable to legislation and both industry and consumer groups should be fully involved in any initiatives.
Sekundarni trg hipotekarnih vrednostnih papirjev mora biti prednostno področje za ukrepe na ravni EU.
The secondary mortgage securities market should be a priority for action at EU level.
Vzpostavitev enotnega trga financiranja bo pokazala hitre in pomembne rezultate in uživa široko podporo.
Achieving a single market in funding would have quick and significant results and seems to be widely supported.
Predvsem v nekaterih državah članicah obstaja velik potencial za rast financiranja s strani kapitalskih trgov.
There is large potential for growth in funding from the capital markets, especially in certain member states.
Večji obseg, likvidnost, izbor in oblike bodo omogočile cenejše hipoteke in bolj prilagodljive in raznovrstne proizvode.
Greater scale, liquidity, range and sophistication would result in cheaper mortgages and more flexible and varied products.