natgillin/translations-raw huggingface dataset:
Strokovna skupina za financiranje hipotekarnih posojil je že pričela z delom in bo svoje ugotovitve najverjetneje predstavila novembra 2006.
The Mortgage Funding Expert Group has started work already and is expected to present its conclusions in November 2006.
Skupina mora ugotoviti v kolikšni meri nacionalna zakonodaja onemogoča vzpostavitev vseevropskega trga financiranja.
One of its tasks should be to determine to what extent national regulations prevent the emergence of a pan-EU funding market.
Rast kritih obveznic in hipotekarno zavarovanih vrednostnih papirjev v zadnjih letih kaže, da se trg že pomika v to smer.
The growth in recent years of covered bonds and mortgage backed securities shows that the market is already moving in this direction.
Vendar lahko ukrepi na ravni EU povečajo sodelovanje na kapitalskih trgih.
However, action at EU level could spur greater use of the capital markets.
Poročevalec predlaga, da strokovna skupina preuči, kako razviti standardizirane pakete mešanih evropskih hipotek z znanimi značilnostmi, ki bi se jim določila bonitetna ocena in bi se prodajali na kapitalskih trgih.
The rapporteur would suggest that the expert group look at how to develop standardised packages of mixed European mortgages with known characteristics, which could be credit rated and traded on the capital markets.
V nekaterih državah članicah se zdaj na kapitalskih trgih lahko zadolžujejo in/ali ponujajo s hipotekami povezane proizvode samo banke.
Currently in some member states only "banks" can borrow on the capital markets and/or offer mortgage products.
Poročevalec meni, da je treba režime liberalizirati, tako da se ustanovam, ki ne sprejemajo vlog, omogoči vstop na trg.
Your rapporteur considers that regimes should be liberalised to allow non-deposit taking institutions to enter the market.
V Veliki Britaniji je to imelo pozitiven vpliv na stopnjo konkurenčnosti in celovitost trga.
In the UK they have had a positive impact on the level of competition and market completeness.
Medtem ko je treba upoštevati previdnostne pomisleke, morajo biti vsa pravila sorazmerna in nediskriminatorna.
While prudential concerns do need to be taken into account, any rules must be proportionate and non-discriminatory.
"Evrohipoteka" ponuja možnost oslabitve povezave med hipotekarnim zavarovanjem in hipotekarno pogodbo.
The "Euromortgage" offers the possibility to weaken the link between the mortgage collateral and the mortgage contract.
Lahko se razvije v dodatni vseevropski instrument, ki bo olajšal čezmejna posojila in kritje več različnih nepremičnin.
It could be developed as an optional pan-European tool to facilitate cross-border lending and cover multiple properties.
Zato je treba njeno izvedljivost podrobneje oceniti.
Its feasibility should therefore be assessed in more depth.
Pogoji predčasnega odplačila in stroški se razlikujejo od države do države.
Early repayment conditions and costs vary from country to country.
Pravila, ki omejujejo svobodo določanja pogojev in stroškov za predčasno odplačilo posojilodajalcev in posojilojemalcev, lahko ovirajo konkurenco in razvoj vseevropskega trga financiranja.
Rules, which limit the lender's and borrower's freedom to agree terms and charges for early repayment, could impede competition and hinder the development of a pan-European funding market.
Tudi omejitve na obrestne mere in spremenljive mere lahko omejijo razvoj novih proizvodov ali posojila posojilojemalcem z višjim tveganjem.
Caps on interest rates and variable rates could also restrict the development of new products or lending to higher risk borrowers.
Da lahko posojilojemalci primerjajo proizvode, morajo poznati resnične stroške in pogoje.
Borrowers need to know the true cost and conditions in order to compare products.
Direktiva 2002/65/ES o trženju finančnih storitev potrošnikom na daljavo zahteva od ponudnika, da potrošniku zagotovi skupno ceno ter ga opozori o vseh dodatnih stroških, ki niso plačani ali mu jih nalaga ponudnik.
Directive 2002/65/EC on distance marketing of consumer financial services requires the supplier to provide the consumer with the total price as well as notifying him of any additional costs not paid via or imposed by the supplier.
Sporazum o standardu EU o letnem odstotku cene (APRC) mora biti prednostna naloga.
Agreement on an EU standard APRC for mortgages should be a priority.
Internetno bančništvo se hitro razvija.
Internet banking is developing rapidly.
Njegova vloga je bila do zdaj na področju hipotek omejena, vendar se bo verjetno povečala.
Its role in mortgages has been limited so far, but this will probably accelerate.
Zato se moramo zavedati vseh pravnih ovir, ki lahko omejijo prihodnji razvoj.
Therefore, we need to be aware of any legal barriers which could hinder future development.
Direktiva o e-trgovini na primer zahteva od nacionalnih oblasti, da zagotovijo, da bodo pogodbe, ki so sprejete elektronsko, pravno zavezujoče, vendar izključuje pogodbe, ki ustvarjajo ali prenašajo pravice na področju nepremičnin.
For example, the E-Commerce Directive requires national authorities to ensure contracts concluded by electronic means are legally effective, but excludes contracts that create or transfer rights in real estate.
Pravne, davčne in operativne ovire
Legal, tax and operational barriers
Pravo, ki se uporablja za kreditne pogodbe in hipoteko je treba podrobneje pojasniti.
There needs to be greater clarity about the law applicable to the credit contract and the mortgage deed.
V primeru hipoteke se uporabi pravo tistega kraja, kjer se lastnina nahaja ( lex rei sitae).
In the case of the mortgage deed, lex rei sitae applies.
Posojilodajalci bodo raje vstopali na trg, če bodo imeli dostop do podatkov o strankah in boljši dostop do jasnejših informacij o hipotekarnem zavarovanju in pravicah, ki izhajajo iz lastništva.
Lenders are more likely to enter a market if they have access to client data as well as better access to and clearer information on mortgage collateral and ownership rights.
Nediskriminatorni dostop do ugodnih in neugodnih podatkov o posojilih strank je treba poenostaviti, vendar je treba spoštovati upravičeno varstvo zasebnosti.
Non-discriminatory access to both positive and negative client credit data needs to be facilitated subject to justifiable protection of personal privacy.
Zamude pri prisilni prodaji povzročajo težave posojilodajalcem in je zato spodbujanje krajših in cenejših prisilnih prodaj zelo pomembno.
Delays in forced sales create problems for lenders and therefore the encouragement of shorter and less expensive forced sales procedures is extremely important.
Sistem indikatorja napredka bi lahko imel dobrodejen učinek.
A scoreboard system could have a salutary effect.
Kakovostne cenitve lastnine, ki so skladne z ustreznimi standardi, so ključnega pomena za posojilodajalce.
Good quality property valuations according to a consistent standard are essential for lenders.
Zato bi bil sporazum o skupnih cenitvenih standardih optimalna rešitev.
Therefore reaching common valuation standards would be the optimal solution.
Ustrezni strokovni organi morajo biti povabljeni k njihovemu razvoju na ravni celotne EU.
The relevant professional bodies should be invited to develop them on an EU-wide basis.
Treba je opredeliti in obravnavati davčne ovire pri čezmejnem opravljanju hipotekarnih storitev.
Tax obstacles to the cross-border provision of mortgages need to be identified and addressed.
Najpomembnejša razlika je odbitek od obdavčljivega prihodka pri hipotekarnih obrestih.
Prominent among the differences is the deductibility from taxable income of mortgage interest.
Če se o temeljnem vprašanju ne bo mogoče sporazumeti, je treba davčne koristi razširiti vsaj na hipotekarne obresti, ki so plačane posojilodajalcem v drugih državah članicah za lastnino, ki se nahaja v primarni državi članici.
If agreement cannot be found on the fundamental issue, then at least the tax benefit should be extended to mortgage interest paid to lenders in other member states on property located in the primary member state.
Hipotekarno financiranje je zaradi svojega trenutnega obsega, še bolj pa zaradi svoje potencialne velikosti, eden od bistvenih dejavnikov gospodarske in socialne strukture EU.
The current scale of mortgage finance, let alone its potential scale, makes it a significant factor in the EU's economic and social fabric.
Kljub temu pa se je treba vsakega takega nadzora najprej lotiti na učinkovitem trgu, da se zagotovi potrebno ravnovesje.
Nevertheless, any such oversight should look primarily to an efficient market to maintain the requisite balance.
Birokratsko in zakonodajno vmešavanje je treba omejiti na najmanjše možno.
Bureaucratic and legislative interference should be restricted to the essential minimum.
MNENJE Odbora za notranji trg in varstvo potrošnikov (*)
OPINION of the Committee on the Internal Market and Consumer Protection
o zeleni knjigi o hipotekarnih kreditih v EU
on the Green Paper on mortgage credit in the EU
Odbor za notranji trg in varstvo potrošnikov poziva Odbor za ekonomske in monetarne zadeve kot pristojni odbor, da v svoj predlog resolucije vključi naslednje pobude:
The Committee on the Internal Market and Consumer Protection calls on the Committee on Economic and Monetary Affaires, as the committee responsible, to incorporate the following suggestions in its motion for a resolution:
A. ker zelena knjiga Komisije o hipotekarnih kreditih v EU (KOM(2005)327) ocenjuje primernost zakonodaje Skupnosti, namenjene večji integraciji evropskih trgov hipotekarnih kreditov, kar naj bi prispevalo k rasti, zaposlovanju in večji konkurenčnosti Evropske unije;
A. whereas the Commission Green Paper on Mortgage Credit in the EU ( COM(2005)0327 ) assesses the case for Community legislation aimed at further integration of the European mortgage credit markets with the objective of enhancing EU growth, employment and competitiveness;
B. ker bi tesneje povezan trg hipotekarnih kreditov omogočil ekonomije obsega, zmanjšal stroške in tako navsezadnje koristil potrošnikom, poleg tega pa bi pospešil razvoj evropskega gospodarstva in prispeval k doseganju lizbonskih ciljev;
B. whereas a more integrated mortgage credit market would enable economies of scale to be applied to more useful effect, reduce costs and hence, in the final analysis, benefit consumers, and would also boost the development of the European economy, thus marking a further step forward in attaining the Lisbon goals;
C. ker bi se odprt, učinkovit in bolj integriran trg hipotekarnih kreditov odzival na čedalje večjo mobilnost delavcev in državljanov na notranjem trgu,
C. whereas an open, efficient and more integrated mortgage credit market would respond to the increasing mobility of labour and citizens within the internal market;
D. ker mora biti zaščita evropskih potrošnikov glavna značilnost vsakega zakonodajnega ukrepa o hipotekarnih kreditih, saj so ti za večino državljanov EU največja finančna obveznost v življenju, ki ima dolgoročne posledice za njihov življenjski standard in njihovo finančno stabilnost,
D. whereas the protection of European consumers must be a paramount feature of any legislative action on mortgage credit, which for most EU citizens represents the biggest financial commitment in their lifetime, with long-term implications for their standard of living and financial stability;
E. ker večja preglednost ključnih značilnosti razpoložljivih hipotekarnih proizvodov ne bi samo izboljšala učinkovitosti trga, temveč bi okrepila tudi zaupanje evropskih posojilojemalcev v ponudnike hipotekarnih kreditov v drugih državah članicah in jim omogočila, da se odločijo na podlagi informacij;
E. whereas enhanced transparency on key features concerning available mortgage products will not only improve market efficiency, but also increase the confidence of EU borrowers looking at mortgage credit deals in other Member States and enable them to take an informed decision;
F. ker morajo imeti potrošniki vedno na voljo najizčrpnejše in najpreprostejše informacije v standardizirani obliki, kar jim bo omogočilo primerjavo ponudbe v različnih državah članicah, da bodo imeli pri najemanju hipotekarnih kreditov v drugih državah večjo svobodo izbire;
F. whereas consumers need to have access to the fullest and simplest possible information, provided in each specific instance in standard forms lending themselves to comparative study in the different Member States, in order to enable them to exercise their freedom of choice more effectively when taking out mortgage credit on a cross-border basis;
G. ker še vedno obstajajo znatne razlike med pravnimi sistemi in poslovnimi običaji držav članic, zlasti v zvezi z določbami, ki urejajo področja, ki jih ne pokriva zakonodaja EU (tj. postopki prisilne prodaje, zakonodaja o nepremičninah, zemljiške knjige, pogodbeni pogoji itd.);
G. whereas significant differences still exist between Member States' legal systems and business cultures, in particular in relation to provisions regulating areas not covered by EU legislation such as enforcement procedures, property legislation, land registers, contract terms and so on;
H. ker so precejšnje tržne ovire doslej zavirale čezmejne ponudbe hipotekarnih kreditov, ki trenutno znašajo manj kot 1 % celotnega hipotekarnega trga EU;
H. 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;
I. ker lahko hipotekarni posredniki igrajo pomembno vlogo, saj imajo izkušnje s hipotekarnimi proizvodi na domačem trgu in trgih drugih držav članic, tako da lahko podprejo čezmejne dejavnosti in predstavljajo most med potrošniki ter tujimi in domačimi finančnimi institucijami;
I. whereas mortgage brokers can play an important role, drawing on their expertise with mortgage products on their domestic market but also across markets in other Member States, supporting cross-border activity and acting as a bridge between consumers and both foreign and local financial institutions;
J. ker bi se bilo treba – če naj trg hipotekarnih kreditov EU postane učinkovitejši in bolj konkurenčen – najprej osredotočiti na izvajanje in učinke priporočila Komisije z dne 1. marca 2001 o predpogodbenih informacijah, ki jih potrošnikom posredujejo posojilodajalci, ki ponujajo stanovanjska posojila,
J. 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 working of the Commission recommendation of 1 March 2001 on pre-contractual information to be given to consumers by lenders offering home loans
25. (kodeks o stanovanjskih posojilih) ter na uporabo evropskega standardnega informativnega lista (ESIS), s čimer bi potrošniku omogočili, da pridobi pregledne in primerljive podatke o stanovanjskih posojilih;
25. (code of conduct on housing loans) and the use of the European Standardised Information Sheet (ESIS), aiming to ensure that consumers obtain transparent and comparable information on housing loans;
K. ker se zdi, da izvajanje kodeksa o stanovanjskih posojilih v državah članicah ni bilo enako uspešno, in ker še vedno ni bila rešena splošna težava pomanjkanje skupnega zakonodajnega okvira;
K. whereas the above mentioned code of conduct on housing loans 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;
8. opozarja Komisijo, da bi poenotenje proizvodov samih utegnilo pripeljati do pravnih neskladnosti in torej slabo učinkovalo na sektor;
Cautions the Commission that attempts to harmonize products themselves might lead to legal inconsistencies and thus produce a negative impact on the sector;
11. vztraja, da morajo biti posojilodajalci sposobni potrošnikom zagotoviti vse informacije v zvezi s transakcijami in pravnimi obveznostmi, ki jih prevzamejo kot posojilojemalci (stroški odvetnika in notarja, stroški vpisa in vodenja in podobno);
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 (solicitor’s/notary’s fees, registration and administration or handling charges and so on);
15. se strinja, da je treba olajšati dostop do zemljiških knjig, kjer to ni v nasprotju z obstoječo zakonodajo, podpira vsa prizadevanja za uskladitev informacijske vrednosti teh knjig z nacionalnimi ukrepi in spodbuja nadgradnjo sistema EULIS;
Is in favour of encouraging access to land registers, where this is not prevented by existing legislation, and supports all efforts to harmonise the informative value of these registers by means of national measures and encourages the enhancement of the current EULIS system;
Zelena knjiga o hipotekarnih kreditih v EU
Green Paper on mortgage credit
o hipotekarnih kreditih v EU (zelena knjiga)
on Mortgage Credit in the EU (Green Paper)
Odbor za pravne zadeve poziva Odbor za ekonomske in monetarne zadeve, kot pristojni odbor, da v svoj predlog resolucije vključi naslednje pobude:
The Committee on Legal Affairs calls on the Committee on Economic and Monetary Affairs, as the committee responsible, to incorporate the following suggestions in its motion for a resolution:
A. 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,
A. 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,
B. ker Skupnost pri številnih pomembnih vprašanjih nima pristojnosti oziroma je ta omejena in ker je treba upoštevati načeli subsidiarnosti in sorazmernosti,
B. 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,
C. ker bi lahko ureditev enega samega področja povzročila znatne motnje v nacionalnih sistemih,
C. whereas regulating one area in isolation may lead to considerable disruption in the overall system with its distinctive national features,
D. ker je mogoče na inovativnem trgu hipotekarnih kreditov večjo zakonodajno prožnost zagotoviti na nacionalni ravni,
D. whereas the high degree of legislative flexibility required by the innovative mortgage credit market can be better guaranteed at national level,
Hipotekarni krediti v EU (zelena knjiga)
Mortgage Credit in the EU (Green Paper)
Hipotekarni krediti v EU
Mortgage Credit in the EU
Datum razglasitve dovoljenja na zasedanju (člen 45)
Date authorisation announced in plenary (Rule 45)
Datum razglasitve dovoljenja na zasedanju (člen 39)
Date authorisation announced in plenary (Rule 39)
o predlogu Odločbe Sveta o posebnem programu „Zmogljivosti“, s katerim se bo izvajal sedmi okvirni program (2007 do 2013) Evropske skupnosti za raziskave, tehnološki razvoj in predstavitvene dejavnosti
on the proposal for a Council decision on the Specific Programme: "Capacities" implementing the 7th Framework Programme (2007-2013) of the European Community for research, technological development and demonstration activities
MNENJE Odbora za proračun .....................................................................................40
OPINION of the Committee on Budgets .................................................................43
MNENJE Odbora za kulturo in izobraževanje ..................................................45
OPINION of the Committee on Culture and Education ................................49
– ob upoštevanju predloga Komisije Svetu ( KOM(2005)0443 )
– having regard to the Commission proposal to the Council ( COM(2005)0443 )
– ob upoštevanju člena 166 Pogodbe ES, v skladu s katerim se je Svet posvetoval s Parlamentom ( C6‑0384/2005 ),
– having regard to Article 166 of the EC Treaty, pursuant to which the Council consulted Parliament ( C6‑0384/2005 ),
– ob upoštevanju poročila Odbora za industrijo, raziskave in energetiko ter mnenj Odbora za proračun in Odbora za kulturo in izobraževanje ( A6‑0371/2006 ),
– having regard to the report of the Committee on Industry, Research and Energy and the opinions of the Committee on Budgets and of the Committee on Culture and Education ( A6‑0371/2006 ),
2. meni, da mora biti okvirni referenčni znesek, naveden v zakonodajnem predlogu, usklajen z zgornjo mejo razdelka 1a novega večletnega finančnega okvira, in poudarja, da bo letni znesek določen v letnem proračunskem postopku v skladu z določbami točke 38 medinstitucionalnega sporazuma med Evropskim parlamentom, Svetom in Komisijo o proračunski disciplini in dobrem finančnem poslovodenju z dne 17. maja 2006;
Approves the Commission proposal as amended;
(4) Okvirni program dopolnjuje dejavnosti, ki se izvajajo v državah članicah, ter tudi druge ukrepe Skupnosti, ki so nujno potrebni pri celotnih strateških prizadevanjih za uresničevanje lizbonskih ciljev, zlasti ukrepe na področju strukturnih skladov, kmetijstva, izobraževanja, usposabljanja, konkurenčnosti in inovacij, industrije, zdravja, varstva potrošnikov, zaposlovanja, energetike, prometa in okolja.
(4) The Framework Programme should complement the activities carried out in the Member States as well as other Community actions that are necessary for the overall strategic effort for the implementation of the Lisbon objectives, alongside in particular with those on structural funds, agriculture, education, training, competitiveness and innovation, industry, health, consumer protection, employment, energy, transport and environment.
(4) Okvirni program dopolnjuje dejavnosti, ki se izvajajo v državah članicah , in tiste, ki jih države članice izvajajo s sodelovanjem v evropskih medvladnih raziskovalnih organizacijah , ter tudi druge ukrepe Skupnosti, ki so nujno potrebni pri celotnih strateških prizadevanjih za uresničevanje lizbonskih ciljev, zlasti ukrepe na področju strukturnih skladov, kmetijstva, izobraževanja, usposabljanja, kulture, konkurenčnosti in inovacij, industrije, zdravja, varstva potrošnikov, zaposlovanja, energetike, prometa in okolja.
(4) The Framework Programme should complement the activities carried out in the Member States and by the Member States through their participation in European intergovernmental research organisations as well as other Community actions that are necessary for the overall strategic effort for the implementation of the Lisbon objectives, alongside in particular those on structural funds, agriculture, education, training, culture, competitiveness and innovation, industry, health, consumer protection, employment, energy, transport and the environment.
Omemba medvladnih raziskovalnih dejavnosti je potrebna, da se zagotovi usklajenost s sedmim okvirnim programom in drugimi predlogi posebnega programa.
In order to ensure consistency with the FP7 proposal and the other Specific Programme proposals, the mentioning of the intergovernmental research activities is necessary.
Raziskovalne dejavnosti, ki jih izvajajo države članice s sodelovanjem v medvladnih organizacijah, pomenijo prednost evropskega raziskovanja na svetovni ravni.
Research activities conducted by the Member States through their participation in intergovernmental organisations means the strengths of European research on world-wide level.
(9) Raziskovalne dejavnosti, izvedene v okviru tega programa, spoštujejo temeljna etična načela, vključno s tistimi iz Listine Evropske unije o temeljnih človekovih pravicah.
(9) Research activities carried out within this programme should respect fundamental ethical principles, including those which are reflected in the Charter of Fundamental Rights of the European Union,