natgillin/translations-raw huggingface dataset:
Ta obveznost ne velja, ko nacionalna zakonodaja zahteva navedbo efektivne obrestne mere za oglaševanje v zvezi s kreditnimi pogodbami, ki ne navaja obrestne mere ali drugih podatkov v zvezi s stroški kredita za potrošnika ali kakršnih koli drugih stroškov v smislu prvega pododstavka .
This obligation shall not apply where national legislation requires the indication of the annual percentage rate of charge in advertising concerning credit agreements which does not indicate an interest rate or any figures relating to the cost of credit to the consumer or any other cost within the meaning of the first subparagraph.
Standardne informacije morajo opredeliti v naslednjem vrstnem redu na jasen, jedrnat in pregleden način, s pomočjo reprezentativnega primera:
The standard information shall specify , in the following order, and in a clear, concise and prominent way by means of a representative example:
Standardne informacije morajo opredeliti na jasen, jedrnat in pregleden način, s pomočjo reprezentativnega primera:
The standard information shall specify in a clear, concise and prominent way by means of a representative example:
(a) posojilno obrestno mero, fiksno ali spremenljivo oziroma po potrebi obe , skupaj z podrobnostmi o kakršnih koli relevantnih stroških;
(a) the borrowing rate, fixed or variable or both, if applicable , together with particulars of any applicable charges;
(a) posojilno obrestno mero, fiksno in/ali spremenljivo, skupaj z podrobnostmi o kakršnih koli stroških , ki so vključeni v skupnem strošku kredita za potrošnika ;
(a) the borrowing rate, fixed and/or variable, together with particulars of any charges included in the total cost of the credit to the consumer;
(b) skupni znesek kredita;
(b) the total amount of credit;
(b) skupni znesek kredita , če je to potrebno ;
(b) if applicable , the total amount of credit;
(c) efektivno obrestno mero; v primeru kreditne pogodbe v smislu člena 2(3) lahko države članice določijo, da efektivna obrestna mera ni navedena;
(c) the annual percentage rate of charge; in the case of a credit agreement of the kind referred to in Article 2(3), Member States may decide that the annual percentage rate of charge need not be provided;
(c) trajanje kreditne pogodbe;
(d) the duration of the credit agreement;
(c) trajanje kreditne pogodbe , če je to potrebno ;
(d) if applicable , the duration of the credit agreement;
(e) v primeru kredita v obliki odloga plačila za določeno blago ali storitev gotovinska cena in znesek vsakega vnaprejšnjega plačila ter
(e) in the case of a credit in the form of deferred payment for a specific good or service, the cash price and the amount of any advance payment; and
(f) po potrebi skupni znesek, ki ga mora plačati potrošnik, in višina obrokov.
(f) if applicable, the total amount payable by the consumer and the amount of the instalments.
Preden postane potrošnik zavezan izpolnjevanju kreditne pogodbe ali ponudbe, zagotovi dajalec kredita in, kjer je primerno, kreditni posrednik potrošniku informacije, da lahko primerja različne ponudbe in se tako zavestno odloči, ali bo sklenil kreditno pogodbo; te informacije temeljijo na kreditnih pogojih dajalca kredita ter, kjer je to primerno, na izraženih preferencah potrošnika in informacijah, ki jih je ta posredoval.
Before the consumer is bound by any credit agreement or offer, the creditor and, where applicable, the credit intermediary shall, on the basis of the credit terms and conditions offered by the creditor and, if applicable, the preferences expressed and information supplied by the consumer, provide the consumer with the information needed to compare different offers in order to take an informed decision on whether to conclude a credit agreement.
Takšne informacije se na papirju ali drugem trajnem nosilcu podatkov zagotovijo z obrazcem standardne informacije o evropskem potrošniškem kreditu iz Priloge II.
Such information, on paper or on another durable medium, shall be provided by means of the Standard European Consumer Credit Information form set out in Annex II.
Če se je pogodba sklenila na zahtevo potrošnika s pomočjo sredstva za sporazumevanje na daljavo, ki ne omogoča zagotavljanja informacij v skladu z odstavkom 1, zlasti v primeru iz odstavka 2, zagotovi dajalec kredita potrošniku popolne standardne informacije o evropskem potrošniškem kreditu takoj po sklenitvi kreditne pogodbe.
If the agreement has been concluded at the consumer's request using a means of distance communication which does not enable the information to be provided in accordance with paragraph 1, in particular in the case referred to in paragraph 2, the creditor shall provide the consumer with the full Standard European Consumer Credit Information immediately after the conclusion of the credit agreement.
Če se je pogodba sklenila na zahtevo potrošnika s pomočjo sredstva za sporazumevanje na daljavo, ki ne omogoča zagotavljanja informacij v skladu z odstavkom 1, zlasti v primeru iz odstavka 2, zagotovi dajalec kredita potrošniku popolne predpogodbene informacije z uporabo obrazca o standardnih informacijah o evropskem potrošniškem kreditu takoj po sklenitvi kreditne pogodbe.
If the agreement has been concluded at the consumer's request using a means of distance communication which does not enable the information to be provided in accordance with paragraph 1, in particular in the case referred to in paragraph 2, the creditor shall provide the consumer with the full pre-contractual information using the Standard European Consumer Credit Information form immediately after the conclusion of the credit agreement.
(e) izdelek ali storitev ter njuno gotovinsko vrednost v primeru kredita v obliki odloga plačila za določeno blago ali storitev;
(e) in the case of a credit in the form of deferred payment for a specific good or service, that good or service and its cash price;
Člen 6, odstavek 1, točka (i)
Article 6, paragraph 1, point (i)
(i) po potrebi navedbo, da se lahko od potrošnika kadarkoli zahteva, da v celoti odplača znesek kredita;
(i) where applicable, an indication that the consumer may be requested to repay the amount of credit in full at any time;
(i) po potrebi navedbo, da se v primeru kreditnih pogodb iz člena 2(3) lahko od potrošnika kadarkoli zahteva, da v celoti odplača znesek kredita;
(i) where applicable, in the case of credit agreements as referred to in Article 2(3), an indication that the consumer may be requested to repay the amount of credit in full at any time;
Člen 6, odstavek 1, točka (l)
Article 6, paragraph 1, point (l)
(l) potrošnikovo pravico, da se mu na zahtevo in brezplačno zagotovi izvod osnutka kreditne pogodbe.
(l) the consumer's right to be supplied, on request and free of charge, with a copy of the draft credit agreement.
Ta določba se ne uporablja, če dajalec kredita ob vložitvi zahteve ni pripravljen skleniti kreditne pogodbe s potrošnikom;
This provision shall not apply if the creditor is at the time of the request unwilling to proceed to the conclusion of the credit agreement with the consumer;
Člen 6, odstavek 1, točka (m)
Article 6, paragraph 1, point (m)
(m) pogoje in postopek za odplačilo; ter
(m) the conditions and procedure for repayments; and
Člen 6, odstavek 1, točka (m a) (novo)
Article 6, paragraph 1, point (m a) (new)
(ma) pri kreditnih pogodbah v skladu s členom 2(3) informacije o stroških, ki nastajajo od sklenitve pogodbe dalje, in po potrebi o pogojih, pod katerimi se lahko takšni stroški spremenijo;
(ma) in the case of credit agreements as referred to in Article 2(3), information about the costs which will be incurred from the time of conclusion of the agreement and, if appropriate, the conditions under which these costs may be modified;
Te informacije se posredujejo na papirju ali drugem trajnem nosilcu podatkov.
Such information shall be provided on paper or on another durable medium.
Lahko se zagotovijo z obrazcem "informacije o evropskem potrošniškem kreditu" iz Priloge III.
It may be provided by means of the European Consumer Credit Information form set out in Annex III.
Šteje se, da je dajalec kredita izpolnil zahteve po informacijah iz tega odstavka ter člena 3(1) in (2) Direktive 2002/65/ES, če je zagotovil informacije o evropskem potrošniškem kreditu.
The creditor shall be deemed to have fulfilled the information requirements in this paragraph and in Article 3(1) and (2) of Directive 2002/65/EC if he has supplied the European Consumer Credit Information.
Te informacije se posredujejo na papirju ali drugem trajnem nosilcu podatkov , pri čemer se zagotovi enaka preglednost teh informacij .
Such information shall be provided on paper or on another durable medium and shall all be equally prominent .
Če dajalci kredita ne uporabljajo uveljavljenih obrazcev za posredovanje informacij, je treba zaradi varstva potrošnikov zagotoviti pregleden prikaz vseh informacij in preprečiti njihovo prekrivanje z informacijami, ki niso bistvene.
Consumer protection requires that, where credit providers do not use the standard information sheets, all essential information is prominently displayed and not hidden by other non-essential information provided.
Člena 5 in 6 se ne uporabljata za dobavitelje blaga ali ponudnike storitev, ki nastopajo kot kreditni posredniki v pomožni funkciji.
Articles 5 and 6 shall not apply to suppliers of goods or services acting as credit intermediaries in an ancillary capacity .
To ne posega v obveznost dajalca kredita, da zagotovi, da potrošnik prejme predpogodbene informacije iz teh členov.
This is without prejudice to the creditor's obligation to ensure that the consumer receives the pre-contractual information referred to in those Articles.
Člena 5 in 6 se ne uporabljata za :
Articles 5 and 6 shall not apply to :
a) dobavitelje blaga ali ponudnike storitev, ki nastopajo kot kreditni posredniki v pomožni funkciji ; ali
a) suppliers of goods or services acting as credit intermediaries in an ancillary capacity ; or
b) kreditne posrednike, kjer dajalec kredita prevzame odgovornost (v praksi ali v okviru zakonodaje) za obnašanje kreditnega posrednika do potrošnika v zvezi s kreditom.
b) credit intermediaries where the creditor assumes responsibility (whether in practice or in law) for the credit intermediary’s conduct towards the consumer in relation to the credit.
Namen predloga spremembe je preprečiti preobremenitev malih posredniških dejavnosti, zlasti glede naročanja po pošti in tedenskega pobiranja kreditov.
The amendment aims to prevent disproportionate burden on small-scale intermediation activities, in particular in relation to mail order and weekly collected credit.
Predlog spremembe ne bi vplival na podrobnejša pravila iz člena 21.
The amendment would not affect the more detailed rules in Art.21.
Člen 8, odstavka 1 in 2
Article 8, paragraphs 1 and 2
Pred sklenitvijo kreditne pogodbe dajalec kredita oceni potrošnikovo kreditno sposobnost na podlagi zadostnih informacij, ki jih – kjer je to primerno – pridobi od potrošnika, in – po potrebi – informacij, ki jih pridobi s poizvedbo v ustrezni zbirki podatkov.
Before the conclusion of the credit agreement, the creditor shall assess the consumer's creditworthiness on the basis of sufficient information, where appropriate obtained from the consumer and, where necessary, on the basis of a consultation of the relevant database.
Države članice zagotovijo, da v skladu s členom 20 pred sklenitvijo kreditne pogodbe dajalec kredita oceni potrošnikovo kreditno sposobnost na podlagi zadostnih informacij, ki jih – kjer je to primerno – pridobi od potrošnika, in – po potrebi – informacij, ki jih pridobi s poizvedbo v ustrezni zbirki podatkov.
Member States shall ensure, in accordance with Article 20, that, before the conclusion of the credit agreement, the creditor assesses the consumer's creditworthiness on the basis of sufficient information, where appropriate obtained from the consumer and, where necessary, on the basis of a consultation of the relevant database.
Države članice, ki v okviru nacionalne zakonodaje zahtevajo, da dajalec kredita oceni potrošnikovo kreditno sposobnost na podlagi poizvedbe v ustrezni zbirki podatkov, lahko ohranijo to zahtevo.
Member States whose legislation requires creditors to assess the creditworthiness of consumers on the basis of a consultation of the relevant database may retain this requirement.
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.
If the parties agree to change the total amount of credit after the conclusion of the credit agreement, the creditor shall update the financial information at his disposal concerning the consumer and assess the consumer's creditworthiness before any significant increase in the total amount of credit.
Države članice zagotovijo, da 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.
Member States shall ensure that, if the parties agree to change the total amount of credit after the conclusion of the credit agreement, the creditor updates the financial information at his disposal concerning the consumer and assesses the consumer's creditworthiness before any significant increase in the total amount of credit.
V skladu z uvodno izjavo št. 25 države članice zahtevajo prožnost pri spodbujanju odgovornega ravnanja na kreditnem trgu.
In accordance with Recital (25), Member States require flexibility in the context of the promotion of responsible practices in credit markets.
Če je do zavrnitve vloge za kredit prišlo na podlagi poizvedbe v zbirki podatkov, dajalec kredita takoj in brezplačno obvesti potrošnika o rezultatu te poizvedbe ter o informacijah o uporabljeni zbirki podatkov, razen če posredovanje takih podatkov ne prepoveduje druga zakonodaja Skupnosti ali je v nasprotju s cilji na področju javnega reda in varnosti.
If the credit application is rejected on the basis of consultation of a database, the creditor shall inform the consumer immediately and without charge of the result of such consultation and of the particulars of the database consulted , unless the provision of such information is prohibited by other Community legislation or is contrary to objectives of public policy or public security.
Če je do zavrnitve vloge za kredit prišlo na podlagi poizvedbe v zbirki podatkov, dajalec kredita takoj in brezplačno obvesti potrošnika o rezultatu te poizvedbe ter o informacijah o uporabljeni zbirki podatkov .
If the credit application is rejected on the basis of consultation of a database, the creditor shall inform the consumer immediately and without charge of the result of such consultation and of the particulars of the database consulted.
Če je do odobritve vloge za kredit prišlo na podlagi poizvedbe v zbirki podatkov, dajalec kredita na zahtevo potrošnika brezplačno obvesti le-tega o rezultatu te poizvedbe ter o informacijah v uporabljeni zbirki podatkov.
I f the credit application is granted on the basis of consulta tion of a database, the creditor shall inform the consumer upon request and without charge of the result of such consultation and of the particulars of the database consulted.
V obeh primerih in če je postopek ocenjevanja in sprejetja odločitve v celoti ali delno samodejen, se potrošniku na njegovo zahtevo zagotovi možnost, da pregleda in popravi vse napačne podatke.
In both cases and when the assessment and decision is solely or predominantly automated the consumer shall be given upon request the opportunity to check and correct any false underlying data.
Informacije iz prejšnjih pododstavkov se posredujejo , razen če posredovanje ne prepoveduje druga zakonodaja Skupnosti ali je v nasprotju s cilji na področju javnega reda in varnosti.
The information referred to in the previous subparagraphs shall be provided unless its provision is prohibited by other Community legislation or is contrary to objectives of public policy or public security.
(e) v primeru kredita v obliki odloga plačila za določeno blago ali storitev izdelek ali storitev ter njuno vrednost;
(e) in case of a credit in the form of deferred payment for a specific good or service, that good or service and its cash price;
(e) v primeru kredita v obliki odloga plačila za določeno blago ali storitev ali v primeru povezanih kreditnih pogodb izdelek ali storitev ter njuno vrednost;
(e) in case of a credit in the form of deferred payment for a specific good or service or in the case of linked credit agreements, that good or service and its cash price;
Člen 10, odstavek 2, točka (i)
Article 10, paragraph 2, point (i)
i) če gre za odplačilo glavnice kreditne pogodbe z določenim trajanjem, finančni izkaz v obliki preglednice odplačil s prikazom dolgovanih zneskov ter obdobij in pogojev v zvezi s plačilom takšnih zneskov; preglednica vsebuje razčlenitev vsakega odplačila, da se prikažejo odplačilo glavnice, obresti, izračunane na podlagi posojilne obrestne mere, in, kadar je primerno, kakršne koli dodatne stroške; če obrestna mera ni fiksna ali če se dodatni stroški lahko spremenijo v skladu s kreditno pogodbo, preglednica odplačil vsebuje jasno in jedrnato navedbo o tem, da so podatki v preglednici veljavni le do naslednje spremembe posojilne obrestne mere ali dodatnih stroškov v skladu s kreditno pogodbo;
i) where capital amortisation of a credit agreement with a fixed duration is involved, a statement of account in the form of an amortisation table indicating the payments owing and the periods and conditions relating to the payment of such amounts; the table shall contain a breakdown of each repayment showing capital amortisation, the interest calculated on the basis of the borrowing rate and, where applicable, any additional costs; where the interest rate is not fixed or the additional costs may be changed under the credit agreement, the amortisation table shall indicate, clearly and concisely, that the data contained in the table will remain valid only until such time as the borrowing rate or the additional costs are changed in accordance with the credit agreement;
i) na zahtevo potrošnika, če gre za odplačilo glavnice kreditne pogodbe z določenim trajanjem, finančni izkaz v obliki preglednice odplačil s prikazom dolgovanih zneskov ter obdobij in pogojev v zvezi s plačilom takšnih zneskov; preglednica vsebuje razčlenitev vsakega odplačila, da se prikažejo odplačilo glavnice, obresti, izračunane na podlagi posojilne obrestne mere, in, kadar je primerno, kakršne koli dodatne stroške; če obrestna mera ni fiksna ali če se dodatni stroški lahko spremenijo v skladu s kreditno pogodbo, preglednica odplačil vsebuje jasno in jedrnato navedbo o tem, da so podatki v preglednici veljavni le do naslednje spremembe posojilne obrestne mere ali dodatnih stroškov v skladu s kreditno pogodbo;
i) at the request of the consumer, where capital amortisation of a credit agreement with a fixed duration is involved, a statement of account in the form of an amortisation table indicating the payments owing and the periods and conditions relating to the payment of such amounts; the table shall contain a breakdown of each repayment showing capital amortisation, the interest calculated on the basis of the borrowing rate and, where applicable, any additional costs; where the interest rate is not fixed or the additional costs may be changed under the credit agreement, the amortisation table shall indicate, clearly and concisely, that the data contained in the table will remain valid only until such time as the borrowing rate or the additional costs are changed in accordance with the credit agreement;
Kljub temu bi morale biti preglednice na razpolago potrošniku, če jih ta zahteva.
However it should still be available if the consumer chooses to have these tables.
Člen 10, odstavek 2, točka (m a) (novo)
Article 10, paragraph 2, point (m a) (new)
(ma) po potrebi se plača notarska pristojbina;
(ma) where appropriate, thqt notary's fees will be payable;
Pri kreditnih pogodbah v obliki možnosti prekoračitve v skladu s členom 2(3) se na jasen in jedrnat način navedejo:
In the case of credit agreements in the form of overdraft facilities as referred to in Article 2(3), the following shall be indicated in a clear, concise way:
(a) vrsta kredita;
(a) the type of credit;
(b) identiteta in naslovi pogodbenih strank ter po potrebi identiteta in naslov zadevnega kreditnega posrednika;
(b) the identity and addresses of the contracting parties as well as, if applicable, the identity and address of the credit intermediary involved;
(c) trajanje kreditne pogodbe;
(c) the duration of the credit agreement;
(d) najvišji znesek kredita in pogoji, ki urejajo črpanje kredita;
(d) the credit limit and the conditions governing the drawdown;
(e) posojilna obrestna mera, pogoji, ki urejajo uporabo posojilne obrestne mere in, če je na voljo, indeks ali referenčna obrestna mera, ki se nanaša na začetno posojilno obrestno mero, kakor tudi obdobje, pogoji in postopki za spreminjanje posojilne obrestne mere; zgoraj navedene informacije o vseh uporabljenih obrestnih merah, če se v različnih okoliščinah uporabljajo različne posojilne obrestne mere;
(e) the borrowing rate, the conditions governing the application of the borrowing rate and, where available, any index or reference rate applicable to the initial borrowing rate, as well as the periods, conditions and procedure for changing the borrowing rate; if different borrowing rates apply in different circumstances, the above mentioned information on all the applicable rates;
(f) efektivna obrestna mera in skupni stroški, ki jih mora plačati potrošnik, izračuna in ob sklenitvi kreditne pogodbe; navedejo se vse predpostavke, uporabljene za izračun navedenih obresti v skladu s členom 19(2) v povezavi s členom 3(g) in (i). v primeru kreditne pogodbe v smislu člena 2(3) lahko države članice določijo, da efektivna obrestna mera ni navedena;
(f) the annual percentage rate of charge and the total costs payable by the consumer, calculated at the time the credit agreement is concluded; all the assumptions used in order to calculate that rate as referred to in Article 19(2) in conjunction with Article 3(g) and (i) shall be mentioned; in the case of a credit agreement of the kind referred to in Article 2(3), Member States may decide that the annual percentage rate of charge need not be provided;
g) navedba, da se lahko od potrošnika kadarkoli zahteva, da v celoti odplača znesek kredita;
(g) an indication that the consumer may be requested to repay the amount of credit in full on demand at any time;
h) postopek, ki se uporablja pri uveljavljanju pravice do prekinitve kreditne pogodbe; ter
(h) conditions governing the exercise of the right of withdrawal from the credit agreement; and
(i) informacije o stroških, veljavnih od datuma sklenitve kreditne pogodbe, in po potrebi tudi pogoji, pod katerimi se lahko ti stroški spremenijo;
(i) information concerning the charges applicable from the time such credit agreements are concluded and, if applicable, the conditions under which those charges may be changed;
Kreditna pogodba v obliki možnosti prekoračitve
Credit agreement in the form of an overdraft facility
Obveznosti pri kreditnih pogodbah v obliki možnosti prekoračitve
Obligations in connection with credit agreements in the form of an overdraft facility
Potrošnik lahko kadar koli na običajen način brezplačno prekine odprto kreditno pogodbo, razen če sta se pogodbeni stranki dogovorili o odpovednem roku.
The consumer may effect standard termination of an open-end credit agreement free of charge at any time unless the parties have agreed on a period of notice.
Tak odpovedni rok ne sme biti daljši od enega meseca.
Such a period may not exceed one month.