natgillin/translations-raw huggingface dataset:
Če je tako dogovorjeno v kreditni pogodbi, lahko dajalec kredita na običajen način prekine odprto kreditno pogodbo tako, da potrošniku posreduje obvestilo na papirju ali drugem trajnem nosilcu podatkov z najmanj dvomesečnim odpovednim rokom.
If agreed in the credit agreement, the creditor may effect standard termination of an open end credit agreement by giving the consumer at least two months' notice drawn up on paper or on another durable medium.
Odpovedni rok potrošnika ne sme biti daljši od enega meseca.
The period of notice for the consumer may not exceed one month.
Potrošnik lahko v roku štirinajstih koledarskih dni odstopi od kreditne pogodbe brez navedbe razloga.
1 The consumer shall have a period of fourteen calendar days in which to withdraw from the credit agreement without giving any reason
V primeru povezane kreditne pogodbe, kot je določena v členu 3 točka (n), se ta rok na zahtevo potrošnika lahko zmanjša na najmanj tri koledarske dni, če želi potrošnik hitreje prejeti ali koristiti blago ali storitve, ki se financirajo s kreditno pogodbo.
In the case of a linked credit agreement, as defined in Article 3 point (n), this period may be reduced to a minimum of three calendar days at the request of the consumer, should the latter wish to take faster delivery of or benefit from the goods or services financed by a credit agreement.
Če se blago prejme ali se storitve začnejo izvajati pozneje od dogovorjenega roka, se ta rok konča z datumom dostave blaga ali datumom začetka izvajanja storitev, vendar ta rok ne sme biti daljši od štirinajst koledarskih dni.
When delivery or the date on which performance starts occurs later than the end of the period agreed, the period shall end on the date of delivery of the goods or the date on which performance of the services starts, without being longer than fourteen calendar days.
Člen 16, odstavki 2, 3 in 4
Article 16, paragraphs 2, 3 and 4
Dajalec kredita je upravičen do odškodnine za morebitne stroške, neposredno povezane s predčasnim odplačilom kredita , če se predčasno odplačilo izvede v obdobju, za katerega je bila določena fiksna pasivna obrestna mera in za katero dajalec kredita dokaže, da je referenčna obrestna mera, ki jo je Evropska centralna banka uporabljala za svoje zadnje operacije glavnega refinanciranja, opravljene pred prvim koledarskim dnem zadevnega polletja, v času predčasnega odplačila nižja kot v času sklenitve kreditne pogodbe .
The creditor shall be entitled to 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 and the creditor proves that the reference interest rate applied by the European Central Bank to its most recent main refinancing operation carried out before the first calendar day of the half year in question is lower at the time of the early repayment than at the time of conclusion of the credit agreement .
Za državo članico, ki ne sodeluje v tretji fazi ekonomske in monetarne unije, je referenčna stopnja ekvivalentna stopnja, ki jo določi njena nacionalna centralna banka.
For a Member State which is not participating in the third stage of economic and monetary union, the reference rate shall be the equivalent rate set by its national central bank.
Dajalec kredita je lahko v skladu z nacionalno zakonodajo upravičen do poštene in objektivno utemeljene odškodnine za morebitne stroške, neposredno povezane s predčasnim odplačilom kredita.
The creditor may, in accordance with national law, be entitled to fair and objectively justified compensation for possible costs directly linked to early repayment of credit.
Takšno nadomestilo določi dajalec kredita in ne sme presegati 1% zneska kredita, ki je že bil odplačan, če med predčasnim odplačilom in dogovorjeno prekinitvijo kreditne pogodbe preteče več kot eno leto.
Such compensation shall be determined by the creditor and 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.
Če ni preteklo več kot eno leto, nadomestilo ne sme presegati 0,5 % zneska kredita, ki je že bil odplačan.
If the period does not exceed one year, the compensation may not exceed 0,5 % of the amount of credit repaid early.
Nadomestilo ne presega višine obresti, ki bi jih potrošnik plačal v obdobju med predčasnim odplačilom in dogovorjenim datumom prekinitve kreditne pogodbe.
The compensation shall 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.
Nadomestilo za predčasno plačilo se ne zahteva, če:
Compensation for early repayment shall not be claimed:
a) se je odplačilo opravilo po zavarovalni pogodbi, ki naj bi zagotavljala jamstvo za odplačilo kredita;
a) if the repayment has been made under an insurance contract intended to provide a credit repayment guarantee;
a) se je odplačilo opravilo po zavarovalni pogodbi, ki naj bi zagotavljala jamstvo za odplačilo kredita; ali
a) if the repayment has been made under an insurance contract intended to provide a credit repayment guarantee; or
b) v primeru možnosti prekoračitev ; ali
b) in the case of overdraft facilities ; or
b) v primeru možnosti prekoračitev .
b) in the case of overdraft facilities.
c) se predčasno odplačilo izvede v obdobju, za katero fiksna posojilna obrestna mera ni določena.
c) if the repayment falls within a period for which the borrowing rate is not fixed .
Države članice lahko določijo, da lahko dajalec kredita to nadomestilo zahteva samo pod pogojem, da znesek predčasnega odplačila preseže mejno vrednost, določeno v nacionalni zakonodaji.
Member States may provide that such compensation may be claimed by the creditor only on condition that the amount of the early repayment exceeds the threshold defined by national law.
Mejna vrednost ne sme preseči 10 000 EUR v katerem koli obdobju dvanajstih mesecev.
That threshold shall not exceed EUR 10 000 within any period of twelve months.
Stroški vodenja računa, na katerem se evidentirajo plačilne transakcije in črpanja, stroški uporabe plačilnih sredstev za plačilne transakcije in črpanja ter drugi stroški v zvezi s plačilnimi transakcijami se vključijo v skupne stroške kredita potrošniku, razen če je odprtje računa neobvezno in so stroški računa jasno in ločeno prikazani v kreditni pogodbi ali kateri koli drugi pogodbi, sklenjeni s potrošnikom.
The costs of maintaining an account recording both payment transactions and drawdowns, the costs of using a means of payment for both payment transactions and drawdowns, and other costs relating to payment transactions shall be included in the total cost of credit to the consumer unless the opening of the account is optional and the costs of the account have been clearly and separately shown in the credit agreement or in any other agreement concluded with the consumer.
Stroški vodenja računa, na katerem se evidentirajo plačilne transakcije in črpanja, stroški uporabe plačilnih sredstev za plačilne transakcije in črpanja ter drugi stroški v zvezi s plačilnimi transakcijami se vključijo v skupne stroške kredita potrošniku, razen če račun ni odprt v povezavi s kreditom ali če je odprtje računa neobvezno in so stroški računa jasno in ločeno prikazani v kreditni pogodbi ali kateri koli drugi pogodbi, sklenjeni s potrošnikom.
The costs of maintaining an account recording both payment transactions and drawdowns, the costs of using a means of payment for both payment transactions and drawdowns, and other costs relating to payment transactions shall be included in the total cost of credit to the consumer unless the account is not opened in connection with the credit or the opening of the account is optional and the costs of the account have been clearly and separately shown in the credit agreement or in any other agreement concluded with the consumer.
Člen 21, točka (b), točka (ii)
Article 21, point (b), point (ii)
ii) kreditni posrednik ne prejema provizije od dajalca kredita ;
ii) the credit intermediary does not receive a fee from the creditor ,
ii) vsa izplačila posredniku za njegove storitve so pregledna in se razkrijejo potrošniku ;
ii) all remuneration to the intermediary for his services is transparent and disclosed to the consumer ,
Namen predloga spremembe je omogočiti pregledno delovanje posrednikov, pri tem pa je treba zagotoviti prožnost, ki dovoljuje delitev stroškov med potrošniki in posojilodajalci.
The amendment seeks to ensure that intermediaries act in a transparent manner, whilst safeguarding the flexibility which allows for costs to be shared by consumers and lenders.
Člen 21, točka (b), točka (iii)
Article 21, point (b), point (iii)
iii) kreditna pogodba, pri kateri je posredoval, se dejansko sklene;
iii) the credit agreement in respect of which he has acted is actually concluded,
Ta pogoj lahko povzroči tveganje navzkrižnega subvencioniranja, kar pomeni, da se potrošnikom, ki sklenejo kreditno pogodbo, lahko zaračunajo višji stroški za storitve posrednika kot nadomestilo za pogodbe, ki jih niso sklenili drugi potrošniki.
The condition risks introducing an element of cross-subsidy, whereby consumers who conclude a credit agreement could be charged higher amounts for the services of an intermediary to compensate for those who do not conclude the agreement.
Poleg tega, če posredniku ne uspe povrniti nekaterih stroškov za svetovanje v zvezi z nesklenjeno pogodbo, ga lahko to prisili k izvajanju pritiska na potrošnika z namenom, da bi ta privolil v sklenitev pogodbe.
Additionally, if an intermediary was not able to recover some costs for providing his advice in case the agreement is not concluded, that may lead him to pressure the consumer to conclude the agreement.
Ne glede na to bi morali državam članicam omogočiti, da omejijo znesek, ki ga lahko zaračunajo posredniki, in sicer zato, da se potrošnike zaščiti pred nesorazmerno velikimi stroški za svetovanje v primeru, če pogodba ni bila sklenjena.
However, Member States should have the possibility of restricting the amount which intermediaries can charge in order to protect consumers from being charged disproportionately for advice in cases when no agreement is concluded.
Člen 21, odstavek 2 (novo)
Article 21, paragraph 2 (new)
Države članice lahko omejijo znesek, ki ga za svoje storitve lahko zaračunajo posredniki, če pogodba ni bila sklenjena.
Member States may restrict the amount which intermediaries can charge for their services in cases where the agreement is not concluded.
Priloga I, del II, točka (b)
Annex I, part II, point (b)
b) če kreditna pogodba predvideva različne načine črpanja z različnimi stroški ali pasivnimi obrestnimi merami, se šteje, da je celotni znesek kredita črpan po najvišjih stroških in pasivni obrestni meri;
b) if a credit agreement provides different ways of drawdown with different charges or borrowing rates, the total amount of credit shall be deemed to be drawn down at the highest charge and borrowing rate;
b) če kreditna pogodba predvideva različne načine črpanja z različnimi stroški ali pasivnimi obrestnimi merami, se šteje, da je celotni znesek kredita črpan po najvišjih stroških in pasivni obrestni meri , ki se obračunajo za najpogosteje uporabljeno vrsto transakcije za to vrsto kreditne pogodbe ;
b) if a credit agreement provides different ways of drawdown with different charges or borrowing rates, the total amount of credit shall be deemed to be drawn down at the highest charge and borrowing rate applied to the category of transaction most commonly used under that type of credit agreement ;
Pri poslovanju s kreditno kartico so največji strošek gotovinska predplačila, pretežni del poslovanja s kreditno kartico pa poteka na prodajnih mestih.
The highest charge for credit card transactions is for cash advances, but most credit card business is point-of-sale.
Zato bi bila uporaba najvišjih stroškov zavajajoča.
Using the highest charge would therefore be misleading.
Priloga I, del II, točka (d)
Annex I, part II, point (d)
(d) če ni določenega časovnega razporeda za odplačilo in ta ni razviden iz pogojev kreditne pogodbe in sredstev za odplačilo odobrenega kredita , se šteje , da je čas trajanja kredita eno leto , in se predvideva, da se znesek kredita odplača v dvanajstih enakih mesečnih obrokih;
(d) if there is no fixed timetable for repayment, and no such timetable can be deduced from the terms of the credit agreement and the means of repaying the credit granted, the duration of the credit shall be deemed to be one year and the amount of the credit shall be assumed to be repaid in twelve equal instalments of capital at monthly intervals;
(d) če ni določenega časovnega razporeda za odplačilo, se šteje :
(d) if there is no fixed timetable for repayment, it shall be assumed:
(i) da se kredit zagotovi za obdobje enega leta, ki se začne ob ustreznem datumu; ter
(i) that the credit is provided for a period of one year beginning from the relevant date; and
(ii) da se kredit odplača v dvanajstih enakih mesečnih obrokih , prvi obrok pa se plača en mesec po ustreznem datumu ;
(ii) that the credit will be repaid in twelve equal instalments and at monthly intervals , beginning one month after the relevant date ;
Priloga I, del II, točka (g)
Annex I, part II, point (g)
(g) če najvišja dovoljena meja kredita še ni bila dogovorjena, se predvideva, da ta znaša 1000 EUR ;
g) if the ceiling applicable to the credit has not yet been agreed, that ceiling is assumed to be EUR 1 000 ;
(g) če najvišja dovoljena meja kredita še ni bila dogovorjena, se predvideva, da ta znaša 2500 EUR ali toliko, kot znaša najmanjši znesek kredita, ponujenega za proizvod ;
g) if the ceiling applicable to the credit has not yet been agreed, that ceiling is assumed to be EUR 2 500 or the minimum amount of credit offered for the product ;
Mejna vrednost v višini 2.500 EUR ustrezneje izraža tipični kreditni proizvod.
The limit of EUR 2,500 is more reflective of the typical credit products.
Obstajajo tudi proizvodi s precej višjo kreditno mejo, pri katerih bi bila uporaba nižje mejne vrednosti zavajajoča za potrošnika.
There exist also products with significantly higher credit limits for which calculations using a lower limit would be misleading to the consumers.
Priloga II, oddelek 4, polje 2, levi stolpec
Annex II, section 4, box 2, left-hand column
Predčasno odplačilo
Early repayment
Pravico imate, da kadarkoli v celoti ali delno predčasno odplačate kredit
You have the right to repay the credit early at any time in full or partially.
Po potrebi
If applicable
Dajalec kredita je v primeru predčasnega odplačila upravičen do nadomestila.
The creditor is entitled to compensation in the case of early repayment
Sklicevanje na ustrezno nadomestilo
Reference to compensation payable
Priloga II, oddelek 4, polje 2, desni stolpec
Annex II, section 4, box 2, right-hand column
[Določitev nadomestila (metoda za izračun) v skladu z določbami za izvajanje člena 15(2) Direktive.
[Determination of the compensation (calculation method) in accordance with the provisions implementing Article 16(2) of Directive …/…/EC]
Priloga II, oddelek 4, polje 3, levi stolpec
Annex II, section 4, box 3, left-hand column
Poizvedba v zbirki podatkov
Consultation of a database
Dajalec kredita vas mora nemudoma obvestiti o rezultatu poizvedbe v zbirki podatkov, če se vloga za kredit zavrne na podlagi take poizvedbe.
The creditor must inform you immediately and without charge of the result of a consultation of a database, if a credit application is rejected on the basis of such a consultation.
To ne velja, če je posredovanje takih informacij prepovedano v zakonodaji Evropskih skupnosti ali je v nasprotju s cilji na področju javne varnosti in javnega reda.
This does not apply if the provision of such information is prohibited by European Community law or is contrary to objectives of public policy or public security.
Privolitev potrošnika
Consent of the consumer
Priloga III, oddelek 2, polje 4, levi stolpec
Annex III, section 2, box 4, left-hand column
Kdaj in na kakšen način boste morali odplačati kredit?
How and when will you have to repay the credit?
Priloga III, oddelek 2, polje 6, levi stolpec
Annex III, section 2, box 6, left-hand column
Kredit, odobren v obliki odloga plačila za blago ali storitev
The credit is granted in the form of a deferred payment for a good or service
Naziv blaga/storitve
Name of good/service
Gotovinska cena
Cash price
Priloga III, oddelek 4, polje 3, levi stolpec
Annex III, section 4, box 3, left-hand column
Pravica do osnutka kreditne pogodbe
Right to a draft credit agreement
Pravico imate zahtevati, da vam dajalec kredita/kreditni posrednik predloži brezplačni izvod osnutka kreditne pogodbe.
You have the right, upon request, to obtain a copy of the draft credit agreement free of charge.
Ta določba se ne uporablja, če dajalec kredita ob vložitvi zahteve ni pripravljen skleniti kreditne pogodbe s potrošnikom.
This provision does not apply if the creditor is at the time of the request unwilling to proceed to the conclusion of the credit agreement with you.
Priloga III, oddelek 5, polje 3, levi stolpec
Annex III, section 5, box 3, left-hand column
Dajalec kredita je v primeru predčasnega odplačila upravičen do nadomestila.
The creditor is entitled to compensation in the case of early repayment.
Priloga III, oddelek 5, polje 3, desni stolpec
Annex III, section 5, box 3, right-hand column
[Določitev nadomestila (metoda za izračun) v skladu z določbami za izvajanje člena 15(2) Direktive.
[Determination of the compensation (calculation method) in accordance with the provisions implementing Article 16(2) of Directive …/…/EC*]
Gospodarstva brez potrošniških kreditov za financiranje blaga in storitev si danes ni več mogoče zamišljati.
Consumer credit to finance the purchase of goods or services has become a standard part of economic life.
Potrošniški krediti v Evropi predstavljajo znaten del bruto domačega proizvoda, pri čemer obstajajo razlike med posameznimi državami članicami.
It accounts for a substantial proportion of Gross Domestic Product in Europe, although there are large differences between the individual Member States.
Kljub vedno večjemu gospodarskemu povezovanju, enotni valuti in bistveno izboljšanih postopkih za opravljanje čezmejnih plačil so trgi še vedno obarvani nacionalno in čezmejni krediti redki.
Despite increasing economic interrelatedness, a single currency and substantial improvements in the methods available for making cross-border payments, the fact is that markets remain predominantly national, while cross-border credit provision is rare.
Razlogi so različni in izhajajo iz različnih nacionalnih navad in kultur financiranja, pa tudi jezikovnih ovir.
There are many different reasons for this, the main ones probably being different national customs and traditions of financing, as well as language barriers.
Odprtje nacionalnih trgov za pomemben gospodarski sektor potrošniških kreditov, krepitev konkurence in izboljšanje delovanja notranjega trga je politična naloga EU, ki je v interesu potrošnikov in kreditodajalcev.
Improving access to national markets in the important economic sector of consumer credit, promoting competition and improving the internal market are political tasks incumbent on the EU and are in the interests of consumers and creditors.
Skupni evropski pravni okvir za zaščito potrošnikov lahko k temu prispeva, četudi bodo še naprej obstajale ovire pravne in dejanske narave, ter pravo tudi v prihodnje ne bo odločilni dejavnik pri čezmejnih potrošniških kreditih.
A common European legal framework for consumer protection can contribute to this, although legal and practical obstacles remain and law is not the decisive factor in cross-border consumer credit.
Evropski pravni okvir trenutno predstavlja direktiva EGS 87/102.
The European legal framework currently comprises Directive 87/102/EEC.
Ta direktiva vsebuje samo minimalne zahteve.
It only contains minimum standards.
Podrobnejše določbe na tem pravnem področju se v državah članicah močno razlikujejo, kar je razlog za ovire na notranjem trgu.
The further development of this field of the law varies widely between Member States, creating obstacles to the internal market.
Vendar pa ni cilj popolno poenotenje pravnih predpisov.
However, complete harmonisation of legislation is not the answer.
Zakonodaja o pravicah potrošnikov mora biti prilagodljiva; na različne okoliščine, ravno na različne nevarnosti za potrošnike, je treba odgovoriti z različnimi pravnimi predpisi, in sicer, če je le možno, hitro in prilagodljivo.
Consumer law must be flexible; differences in circumstances, and particularly differences in the risks to consumers, call for different legal rules in response, and where appropriate these must be adopted quickly and open to amendment.
Učinek zakonodaje je odvisen tudi od pozitivnega odziva ljudi, ki jo želijo občutiti kot svojo pravico, prilagojeno njihovim razmeram.
The effect of the law also depends on its acceptance by people, who wish to be able to regard it as their law and as appropriate to the circumstances in which they live.
Poenotena zakonodaja ni samo v nasprotju z načelom subsidiarnosti, temveč zaradi potrebnih kompromisov pogosto vodi v zapletene in preobsežne pravne predpise, s čimer se pri potrošniških kreditih že tako ali tako majhen učinek na delovanje notranjega trga še dodatno zmanjša.
Uniformity of the law might not only violate the subsidiarity principle but also in many cases, because of the necessary compromises, result in complex and excessive regulation, further reducing the already small internal market impact of consumer credit.
Zato je bil prvi predlog Komisije z dne 11.9.2002, ki je predvideval popolno uskladitev, zgrešen.
For this reason, the Commission's first proposal of 11 September 2002, which provided for complete harmonisation, miscarried.
Evropski parlament je v prvi obravnavi sprejel bistvene spremembe k predlogu Komisije in v končni fazi predvidel minimalno uskladitev.
At first reading, the European Parliament adopted huge numbers of amendments to the Commission proposal and provided only for minimum harmonisation.
Komisija je oktobra 2005 predložila nov, bistveno spremenjen predlog.
In October 2005, the Commission submitted a new, substantially modified proposal.
V tem precej skrčenem predlogu so v veliki meri upoštevani sklepi Parlamenta.
To a large extent, it took account of Parliament's decisions and was considerably more concise.
Novi predlog Komisije ne predvideva več obsežne maksimalne uskladitve in namesto tega uvaja ciljno, selektivno uskladitev določenih pravnih osnovnih elementov: predpogodbene informacije – pogodbene informacije – pravica do preklica – predčasno odplačilo – efektivna letna obrestna mera.
The new Commission proposal also abandoned the objective of comprehensive maximum harmonisation, opting instead merely for selective harmonisation of certain fundamental legal aspects: pre-contractual information, contractual information, right of withdrawal, early repayment and annual percentage rate of charge.
Ta novi pristop je treba načelom pozdraviti.
This new approach is very much to be welcomed.
Svet je v skupnem stališču prav tako sprejel omenjeni pristop in vnesel spremembe, ki na eni strani vnašajo nadaljnje skrčitve, na drugi strani pa zaplete.
In its common position, the Council adopted the same approach, making further modifications, some of which rendered the proposal even more concise, although others introduced fresh complications.
Četudi skupno stališče predstavlja dobro podlago, so vendarle potrebne posamezne revizije in spremembe.
Although the common position constitutes a good basis, certain revisions and corrections on points of detail are called for.
V ta namen se opredeli naslednja merila: zakonski predpisi morajo temeljiti na običajnih primerih, in sicer na povprečnem potrošniku in povprečnem podjetniku, ne pa na neuspelih primerih zlorab, ki predstavljajo izjeme.
The following criteria should be applied for this purpose: legislation should be based on typical cases, average consumers and average entrepreneurs, rather than on failed attempts to commit abuses, which are the exception.