natgillin/translations-raw huggingface dataset:
ker hipotekarni posojilodajalci ali potrošniške organizacije presenetljivo malo vztrajajo pri razvoju čezmejnega najemanja posojil, ki je drugačno od fizične ustanove na ločenih nacionalnih trgih,
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,
ker so precejšnje tržne ovire doslej ovirale rast čezmejnih ponudb za hipotekarni kredit, ki trenutno znašajo manj kot 1 % celotnega hipotekarnega trga EU,
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,
ker Skupnost pri številnih pomembnih vprašanjih nima pristojnosti oziroma je ta omejena in ker je treba upoštevati načeli subsidiarnosti in sorazmernosti,
whereas on a number of important issues the Community has no competence, or only limited competence, and whereas the principles of subsidiarity and proportionality must be respected,
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;
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,
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,
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,
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,
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 between one country and another while at the same time an internal coherence exists among the various fields,
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;
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,
ker obstaja neposredna povezava med hipotekarnim trgom in makroekonomsko politiko ter predvsem izvajanjem monetarne politike,
whereas there is a direct link between the mortgage market and macro-economic policy and the conduct of monetary policy in particular,
ker lahko nestanovitnost hipotekarnega trga vpliva na stanovanjske in gospodarske cikle in lahko zato povzroči sistemsko tveganje,
whereas mortgage market volatility can affect housing and economic cycles and thus cause systemic risk,
ker bi se bilo treba – če naj trg hipotekarnih kreditov EU postane učinkovitejši in bolj konkurenčen – najprej osredotočiti na izvajanje in učinkovitost priporočila Komisije 2001/193/ES z dne 1. marca 2001 o predpogodbenih informacijah, ki jih potrošnikom posredujejo posojilodajalci, ki ponujajo stanovanjska posojila UL L 69, 10.3.2001, str.
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 2001/193/EC of 1 March 2001 on pre-contractual information to be given to consumers by lenders offering home loans OJ L 69, 10.3.2001, p.
, (kodeks vedenja) ter na uporabo evropskega standardnega informativnega lista (ESIS), s čimer bi potrošniku omogočili, da pridobi pregledne in primerljive podatke o stanovanjskih posojilih;
(Code of Conduct) and the use of the European Standardised Information Sheet (ESIS), aiming to ensure that consumers obtain transparent and comparable information on housing loans,
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,
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 a lack of a common legal framework,
priznava, da lahko nadaljnja dobro usmerjena integracija hipotekarnega trga EU koristi potrošnikom;
Recognises the consumer benefits that would be brought by further well-focused integration of the EU mortgage market;
meni, da mora vsak ukrep, ki zadeva evropski trg hipotekarnih kreditov na ravni EU, najprej in predvsem koristiti neposredno javnosti kot hipotekarni dolžnici in da mora biti ta trg dostopen večjemu številu morebitnih hipotekarnih posojilojemalcev, vključno s tistimi z nižjim ali nepopolnim kreditnim profilom, delavcem s pogodbami za določen čas in tistim, ki se prvič odločajo za nakup;
Considers that any action at EU level regarding the European mortgage credit market must, first and foremost, benefit the public directly as mortgage borrowers and that the mortgage credit market should be accessible to a larger number of potential borrowers, including those with a low or incomplete credit profile, workers with fixed term contracts and first-time buyers;
pozdravlja obširno posvetovanje Komisije in vztraja, da je treba za vse posebne predloge prej podati temeljito presojo gospodarskih in socialnih vplivov;
Welcomes the Commission's wide consultation and insists that any specific proposals should be preceded by thorough economic and social impact assessments;
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;
ugotavlja, da so v Zeleni knjigi poudarjene številne ovire na poti k skupnemu maloprodajnemu trgu hipotekarnih kreditov EU, in poziva Komisijo, da se osredotoči na ciljne ukrepe, ki ponujajo največje koristi, in da spodbuja tržne iniciative, kjer je to mogoče;
Notes the numerous obstacles to a single EU retail market for mortgage credit highlighted in the Green Paper and urges the Commission to focus on targeted measures offering the greatest benefits, encouraging market-led initiatives wherever possible;
opozarja Komisijo, da bi poenotenje proizvodov samih utegnilo pripeljati do pravnih neskladnosti in torej slabo učinkovalo na sektor;
Cautions the Commission that attempts to harmonise products themselves might lead to legal inconsistencies and thus produce a negative impact on the sector;
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;
poziva k usklajevanju določb o predpogodbenih informacijah, na podlagi katerih se lahko posojilojemalci odločijo glede hipotekarnih pogodb;
Calls for moves towards the harmonisation of provisions on pre-contractual information, which are necessary to enable borrowers to take informed decisions on potential mortgage contracts;
vztraja, da morajo biti te predpogodbene informacije točne in razumljive, kar bo olajšalo potrošnikovo odločitev, ter da morajo ob upoštevanju razpoložljivih podatkov, na katerih temelji hipotekarna pogodba, potrošniku čim bolj celovito in razumljivo predstaviti situacijo; poudarja, da mora posojilodajalec, če se odloči ponuditi hipotekarni kredit v drugi državi članici, posojilojemalcu te informacije čim prej posredovati v uradnih jezikih države članice, kjer ima potrošnik stalno prebivališče;
Insists that such pre-contractual information must be accurate and comprehensible to allow an informed choice, and that it should give the consumer as comprehensible and global a picture as possible in the light of the available information on which the mortgage contract is based; stresses that, in the event that the lender takes the initiative of offering a credit in another Member State, such information must be supplied to the borrower as quickly as possible in the official languages recognised in the borrower's Member State of residence;
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 oceni napredek in razmisli o tem, da bi bil kodeks vedenja, ki je trenutno prostovoljni, zavezujoč, če ni pričakovati, da bi se spoštovanje kodeksa lahko hitro uveljavilo;
Considers the Code of Conduct and the ESIS to be important yet insufficient instruments for the protecting the economic interests of citizens moving between Member States and likely to acquire property in other Member States; encourages the Commission to assess progress and consider making the Code of Conduct, which is currently voluntary, mandatory if early compliance is not forthcoming;
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;
poudarja, da se ne da oblikovati enotnega sekundarnega trga za hipoteke ne da bi postopoma poenotili nacionalna pogodbena pravila;
Points out that the creation of a single secondary market for mortgages can not be achieved without a gradual convergence of national contract rules;
pozdravlja ustanovitev strokovne skupine za hipotekarno financiranje in poziva k podrobni analizi razlik v nacionalni regulativni in pravni praksi, ki zadeva hipoteke;
Welcomes the setting up of the Mortgage Funding Expert Group and calls for an in-depth analysis of variations in national regulatory and legal practices affecting mortgages;
meni, da določbe iz Direktive o kapitalski ustreznosti o kritih obveznicah in hipotekarno zavarovanih vrednostnih papirjih nudijo pomembne možnosti za financiranje;
Considers that provisions in the Capital Requirements Directive on covered bonds and mortgage-backed securities offer important funding options;
predlaga, naj Komisija preuči najboljši način za vzpostavitev osrednje podatkovne zbirke, ki bi vsebovala informacije o različnih hipotekarnih trgih v državah članicah in o čezmejnih paketih hipotekarnih vrednostnih papirjev (npr. v zvezi z verjetnostjo neplačevanja dolgov ter izgubami zaradi neplačevanja dolgov in predplačil), s čimer bi vlagateljem omogočili, da ustrezno ovrednotijo in ocenijo skupne pakete hipotek;
Suggests that the Commission consider how best to create a central database as a depositary of information about the different national mortgage markets and transnational pools of mortgage securities (such as default probabilities, losses from default and prepayments), which would enable investors to evaluate and price adequately mortgage pools;
predlaga, da bi se lahko na kapitalskih trgih prodajala vrsta standardiziranih paketov evropskih hipotek, katerih značilnosti določajo njihove bonitetne ocene, kar bi poglobilo sekundarni trg listinskih hipotek;
Suggests that a range of standardised packages of European mortgages could be traded on the capital markets with credit ratings according to their characteristics, thereby enhancing secondary markets in securitised mortgages;
poziva Komisijo, naj preuči rastoč trg hipotek v skladu s šeriatskim pravom in naj zagotovi, da nobena zakonodaja ne izključuje zahtev tega trga;
Calls on the Commission to consider the growing market of mortgages compliant with sharia law and to ensure that any legislation does not exclude the requirements of that market;
priznava pomembno vlogo hipotekarnega zavarovanja pri zmanjševanju tveganja izpostavljenosti posojilodajalcev in dovoljevanja dostopa do širšega kroga posojilojemalcev;
Recognises the important role of mortgage insurance in reducing the risk exposure of lenders and allowing access for a wider range of borrowers;
poziva Komisijo, da razišče ovire, ki preprečujejo posojilodajalcem pravico do prostega opravljanja storitev ali svobode ustanavljanja v drugih državah članicah, ter sprašuje, ali se klavzula "v javno korist" izvaja zato, da se preprečujejo čezmejne dejavnosti;
Calls on the Commission to investigate barriers which impede lenders' rights to free provision of services or freedom of establishment in other Member States and whether the 'general good' clause is being used to discourage cross-border activity;
podpira ukrepe Komisije za enostavnejši postopek čezmejnih združitev in prevzemov na področju finančnih storitev, in zagotavlja, da distribucijske mreže upoštevajo zahteve regionalnih razmer in manjših 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;
meni, da bo odprtje trga hipotekarnih kreditov za posojilodajalce, ki niso kreditne ustanove z enakovrednim nadzornim režimom, povečalo konkurenčnost in izbiro proizvodov;
Considers that opening up the mortgage credit market to non-credit institutions, with an equivalent supervisory regime, will increase competition and the range of products;
priznava koristno vlogo, ki jo imajo ponudniki posojil, kot so hipotekarni posredniki, pri omogočanju dostopa strankam do konkurenčnih hipotekarnih kreditov, ki jih ponujajo domači in tuji posojilodajalci, ter podpira zavezanost Komisije, da se posvetuje o primernem zakonodajnem okolju za take ponudnike;
Recognises the beneficial role that credit intermediaries, such as mortgage brokers, can play in helping customers access competitive mortgage credit from domestic and non-domestic lenders and supports the Commission's commitment to consult on an appropriate regulatory environment for such operators;
poziva Komisijo, da preuči ovire pri čezmejnih prenosih posojil in da nadalje razišče možnosti evrohipoteke kot zavarovalnega instrumenta, vključno s:
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:
spremljevalnimi jamstvi, ki so potrebna za njeno vzpostavitev in uporabo, zlasti v zvezi s preverjanjem zavarovanja in javnega dostopa do podatkov o dejanjih in učinkih v razmerju do tretjih oseb;
the accompanying guarantees necessary for its set up and use, particularly as regards verifying the collateral, public access to the deeds and effects vis-à-vis third parties;
statusom, ki ga bo imela v primerjavi z drugimi stroški za varščine na kopnem;
the status that it would be given in relation to other charges secured on land;
povezavo med kreditom in zavarovalnino; in
the link between the credit and the collateral; and
pravnimi posledicami delne ali popolne oprostitve jamstvenega kredita, spremenjene, kar zadeva upnikov ali tretjih oseb;
the legal consequences of a partial or full discharge of the guaranteed credit, a change in its assessment basis or its transfer, whether vis-à-vis creditors or third parties;
meni, da mora, če je potrebno, vsak predlog v ta namen spremljati presoja vplivov, vključno s pravnimi vidiki s podrobno študijo primerjalnega prava, kot tudi gospodarskih in socialnih vidikov v skladu s pristopom, ki ga zagovarja vodnik po presoji vplivov, ki ga je odobril Svet za konkurenco 29. maja 2006;
Considers that any proposals to this effect should, if necessary, be accompanied by an impact assessment, including legal aspects, with detailed studies of comparative law, as well as economic and social aspects in line with the approach advocated under the guide to impact assessment approved by the Competitiveness Council on 29 May 2006;
meni, da bodo posojilodajalci raje vstopali na trg, če jim bodo nacionalni predpisi dovoljevali določanje zgodnjih rokov predčasnega odplačila po ceni, ki je sorazmerna s stroški, ali spreminjanje obrestne mere glede na tržne pogoje in tveganje, ter da omejitve na tem področju lahko otežijo razvoj trga v smislu financiranja, novih proizvodov in odobravanja posojil bolj tveganim posojilojemalcem;
Considers that lenders are more likely to enter a market if national rules allow them to offer early repayment terms at a price proportionate to costs or to vary interest rates in line with market conditions and risk and that restrictions in these aspects are likely to impair the development of the market in terms of funding, new products and lending to higher-risk borrowers;
meni, da mora standard EU, ki opredeljuje obseg in izračun letnega odstotka cene, vključevati vse dajatve, ki jih zaračuna posojilodajalec, in zagotoviti njihovo primerljivost s proizvodi z isto dospelostjo, ki so na razpolago v drugih državah članicah; vendar verjame, da morajo biti tudi posojilojemalci vnaprej obveščeni o vseh drugih dajatvah v zvezi s transakcijo in pravnimi obveznostmi posojilojemalca, vključno z dajatvami, ki jih zaračunajo tretje osebe, kot so npr. pravni stroški, stroški vpisa in vodenja ter stroški cenitev, kot tudi o okvirnem znesku tovrstnih stroškov, če natančna številka ni na razpolago;
Considers that an EU standard, defining the scope and method of calculating the annual percentage rates charged, should combine all charges to be levied by the lender and should ensure comparability among products with the same maturity offered in other Member States; believes that borrowers should also be informed in advance of any other charges related to the transaction and the borrower's legal obligations, including items levied by third parties such as legal fees, registration and administration fees and the costs of any valuations, or estimates of such costs if a precise figure is not available;
je prepričan, da bi moral posojilodajalec poleg natančnih podatkov o letni obrestni meri posredovati tudi informacije o drugih stroških, ki utegnejo nastati v povezavi z njegovimi dejavnostmi, na primer stroški obravnave vlog za posojilo, stroški rezervacije sredstev, kazni predčasnega popolnega ali delnega odplačila posojila in podobno;
Believes that in addition to providing exact information on the annual percentage rate, the lender must provide information on any other types of charges or costs likely to arise from its activities, for example the expenses incurred in examining applications, commitment fees, penalties for early full or part repayment;
priznava možnosti interneta kot sredstva za trženje hipotekarnih kreditov in priporoča, da Komisija to še nadalje preuči;
Recognises the potential of the Internet as a means for mortgage credit marketing, and recommends that the Commission study this further;
poziva Komisijo, da preuči pravne in pravne ovire, ki zavirajo tržni razvoj vseevropskega trga financiranja za hipotekarne kredite;
Urges the Commission to examine legal and regulatory barriers hindering a market-led development of a pan-European funding market for mortgage credit;
poziva Komisijo, naj opredeli področje svojih prihodnjih predlogov in naj jih omeji na hipotekarne pogodbe in njihova jamstva (stalni stroški na nepremičnine), da se izogne kakršnemu koli prekrivanju s KOM(2005)0483 ;
Calls on the Commission to define the scope of its future proposals and to restrict it to mortgage contracts and their guarantees (fixed charges on real estate), so as to avoid any overlapping with COM(2005)0483 ;
poziva Komisijo, da sprejme ukrepe, ki bodo zagotovili dobro delovanje sekundarnega hipotekarnega trga in vzpostavitev pravnega okvira za izvajanje učinkovitih transakcij portfelja, zlasti z opredelitvijo dejavnikov, ki preprečujejo razpoložljivim pravnim instrumentom in instrumentom refinanciranja doseganje želenega cilja, ob upoštevanju različnih pravnih običajev in modelov jamstva;
Calls on the Commission to take steps to ensure the smooth running of the secondary mortgage market and establish a legal framework for conducting effective portfolio trading, in particular by identifying the factors preventing the available legal refinancing facilities from meeting the desired objective and allowing for the differing legal traditions and the different models for collateral security in land;
poudarja pomen obsežne in zanesljive podatkovne baze o posojilih strank ter 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;
poziva Komisijo, naj olajša nediskriminatoren čezmejni dostop do podatkovnih baz o posojilih strank kot način spodbujanja vstopa posojilodajalcev na nove trge;
Urges the Commission to facilitate cross-border access to client credit databases on a non-discriminatory basis as a priority for encouraging lenders to enter new markets;
priznava, da je ob upoštevanju upravičenega varstva zasebnosti dostop do ugodnih in neugodnih podatkov o posojilih zaželen;
Recognises that, subject to justifiable privacy protection, access to both positive and negative credit data is desirable;
odobrava prizadevanja za izboljšanje in prilagoditev zakonodaje o postopkih prisilne prodaje;
Welcomes efforts to bring about improvements and adjustments in the law governing forced sales procedures;
podpira predlog Komisije o prikazu dolžine in stroškov postopkov prisilne prodaje;
Supports the Commission's proposal of a scoreboard for the length and cost of forced sales procedures;
predlaga, da se morajo poklicne organizacije cenilcev združiti, da bodo sprejele kakovostne in primerljive skupne standarde za cenitev lastnine EU;
Suggests that valuers' professional bodies should collaborate to adopt common EU property valuation standards of high quality and comparability;
poudarja pomen enostavnega dostopa do popolnih in natančnih informacij o hipotekarnem zavarovanju in lastninskih pravicah za posojilodajalce;
Stresses the importance to lenders of easy access to full and accurate information on mortgage collateral and ownership rights;