natgillin/translations-raw huggingface dataset:
Commission Delegated Regulation (EU) 2015/3
Låntagarkod
supplementing Regulation (EC) No 1060/2009 of the European Parliament and of the Council with regard to regulatory technical standards on disclosure requirements for structured finance instruments
Unik kod (ID) per låntagare (det riktiga namnet visas inte) ‒ för att göra det möjligt att identifiera låntagare med flera lån i poolen (t.ex. visas ytterligare förskott/sekundära panträtter som separata poster).
Having regard to Regulation (EC) No 1060/2009 of the European Parliament and of the Council of 16 September 2009 on credit rating agencies [1], and in particular the third subparagraph of Article 8b(3) thereof,
Bör inte förändras under transaktionens löptid.
In accordance with Article 8b of Regulation (EC) No 1060/2009, investors should receive sufficient information on the quality and performance of their underlying assets with a view to enabling them to perform an informed assessment of the creditworthiness of structured finance instruments.
Fastighetskod
This would also reduce investors’ dependence on credit ratings and should facilitate the issuance of unsolicited credit ratings.
Unik kod per fastighet för att göra det möjligt att identifiera fastigheter med flera lån i poolen (t.ex. visas ytterligare förskott/sekundära panträtter som separata poster).
This Regulation should apply to all financial instruments or other assets resulting from a securitisation transaction or scheme referred to in Article 4(1)(61) of Regulation (EU) No 575/2013 of the European Parliament and of the Council [2] on condition that the issuer, originator or sponsor, is established, and for that purpose has its statutory seat, in the Union.
Information om låntagaren
Therefore, this Regulation should only cover financial instruments or other assets resulting from any transaction or scheme whereby the credit risk associated with an exposure or pool of exposures is tranched and has the characteristics referred to in that Article.
Låntagarens sysselsättningsstatus
Therefore, in line with that Regulation, an exposure that creates a direct payment obligation for a transaction or scheme used to finance or operate physical assets should not be considered an exposure to a securitisation, even if the transaction or scheme has payment obligations of different seniority.
Lista
The scope of this Regulation should not be limited to the issuance of structured finance instruments that qualify as securities, but also should include other financial instruments and assets resulting from a securitisation transaction or scheme, such as money-market instruments, including asset-backed commercial paper programmes.
Sysselsättningsstatus för den primära sökanden.
In addition, this Regulation should apply to structured finance instruments with and without credit ratings assigned by a credit rating agency registered in the Union.
Primära inkomster
Private and bilateral transactions should also be within the scope of this Regulation, as well as transactions that are not offered to the public or admitted to trading on a regulated market.
Numerisk
This Regulation contains standardised disclosure templates for a number of asset class categories.
Den primära låntagarens ingångna årliga bruttoinkomst (utom hyror).
Without prejudice to the scope of this Regulation and until reporting obligations have been developed by ESMA and adopted by the Commission, those standardised disclosure templates and all reporting obligations under this Regulation should apply only to structured finance instruments that are backed by underlying assets which are included in the list of underlying asset class categories specified in this Regulation and which in addition are not of a private or bilateral nature.
Inkomstverifiering för primära inkomster
When complying with this Regulation, issuers, originators and sponsors should comply with national and Union legislation governing the protection of confidentiality of information sources or the processing of personal data in order to avoid potential breaches of such legislation.
Inkomstverifiering för primära inkomster.
The issuer, originator and sponsor may designate an entity responsible for reporting the information to the website to be set up by ESMA in accordance with Article 8b(4) of Regulation (EC) No 1060/2009 (the SFIs website).
Lånets egenskaper
Outsourcing the reporting obligation to another entity, for example a servicer, should also be possible.
Lånets ursprungsdatum
This should be without prejudice to the responsibility of the issuer, originator and sponsor under this Regulation.
Datum/numerisk
A number of technical reporting instructions concerning, among others, the transmission or the format of the files to be submitted by issuers, originators and sponsors should be communicated by ESMA on its website.
Datum för förskott på ursprungligt lån.
ESMA should communicate those technical reporting instructions in due course before the date of application of the reporting obligations laid down in this Regulation, in order to enable issuers, originators, sponsors and other parties involved to be given enough time to develop adequate systems and procedures following the technical instructions provided by ESMA.
Datum för lånets löptid
The information to be provided pursuant to this Regulation should be compiled in a standard format to allow for automatic processing of the data on the SFIs website.
Datum för lånets löptid.
The information should also be published in a format that is easily accessible for any user of the SFIs website.
Ändamål
ESMA should ensure that sectoral competent authorities have access to the SFIs website so as to carry out the tasks assigned to them under Regulation (EC) No 1060/2009.
Lånets ändamål.
This Regulation is based on the draft regulatory technical standards submitted by ESMA to the Commission in accordance with Article 10 of Regulation (EU) No 1095/2010 of the European Parliament and of the Council [3].
Lånets löptid
ESMA has conducted an open public consultation on the draft regulatory technical standards on which this Regulation is based, analysed the potential related costs and benefits and requested the opinion of the Securities and Markets Stakeholder Group established in accordance with Article 37 of Regulation (EU) No 1095/2010.
Ursprungliga avtalsvillkor (antal månader).
A reasonable time is necessary in order to allow the issuers, the originators and the sponsors of a structured finance instrument established in the Union to adapt and take the necessary steps to comply with this Regulation and to allow ESMA to develop the SFIs website on which disclosure of the information required by this Regulation should take place.
Beteckning av lånevalutan
Therefore, this Regulation should apply from 1 January 2017.
Beteckning av lånevalutan.
However, ESMA should communicate necessary technical reporting instructions in a timely manner before the date of application of this Regulation.
Ursprungligt saldo
This is necessary in order to enable the issuers, the originators and the sponsors of a structured finance instrument established in the Union to be given enough time to develop adequate systems and procedures following those technical instructions with a view to ensuring complete and correct reporting and to take into account further developments in the financial markets in the Union,
Ursprungligt lånesaldo (inklusive avgifter).
This Regulation shall apply to structured finance instruments where the issuer, the originator or the sponsor is established in the Union and which are issued after the date of entry into force of this Regulation.
Aktuellt saldo
Reporting entity
Antalet utestående lån vid poolens brytdatum.
The issuer, the originator and the sponsor of a structured finance instrument may designate one or multiple reporting entities that publish the information required pursuant to Articles 3 and 4, and Article 5(3) of this Regulation on the website referred to in Article 8b(4) of Regulation (EC) No 1060/2009 (the SFIs website).
Detta bör inbegripa alla belopp med hypotekslån som säkerhet och kommer att klassas som kapitalbelopp i transaktionen.
Those entities shall publish the required information on the SFIs website in accordance with Articles 4 to 7 of this Regulation.
Återbetalningsmetod
The issuer, the originator and the sponsor of a structured finance instrument that has designated the entity or entities referred to in paragraph 1 shall notify ESMA without undue delay of any entity designated in accordance with that paragraph.
Typ av återbetalning på kapitalbelopp.
That designation shall be without prejudice to the responsibility of the issuer, the originator and the sponsor to comply with Article 8b of Regulation (EC) No 1060/2009.
Betalningsfrekvens
Information to be reported
Frekvensen av föreskrivna betalningar, dvs. antalet månader mellan betalningarna.
Where a structured finance instrument is backed by any of the underlying assets referred to in Article 4, the reporting entity shall provide the following information to the SFIs website:
Föreskriven betalning
loan level information through the standardised disclosure templates included in Annexes I to VII;
Periodisk avtalsenlig betalning (betalning som ska ske om inga andra betalningssätt har fastställts).
where applicable to a structured finance instrument, the following documents, including a detailed description of the waterfall of payments of the structured finance instrument:
Betalningstyp
the final offering document or prospectus, together with the closing transaction documents, including any public documents referenced in the prospectus or which govern the workings of the transaction and excluding legal opinions;
Typ av betalning på kapitalbelopp.
the asset sale agreement, assignment, novation or transfer agreement and any relevant declaration of trust;
Räntesats
the servicing, back-up servicing, administration and cash management agreements;
Typ av räntesats
the trust deed, security deed, agency agreement, account bank agreement, guaranteed investment contract, incorporated terms or master trust framework or master definitions agreement;
Typ av räntesats.
any relevant inter-creditor agreements, swap documentation, subordinated loan agreements, start-up loan agreements and liquidity facility agreements;
Aktuellt räntesatsindex
any other underlying documentation that is essential for the understanding of the transaction;
Aktuellt räntesatsindex (den referensräntesats gentemot vilken hypotekslånets räntesats bestäms).
where a prospectus has not been drawn up in compliance with Directive 2003/71/EC of the European Parliament and of the Council [4], a transaction summary or overview of the main features of a structured finance instrument, including:
Aktuell räntesats
deal structure;
Aktuell räntesats (%).
the asset characteristics, cash flows, credit enhancement and liquidity support features;
Aktuell räntesatsmarginal
the note holder voting rights, the relationship between note holders and other secured creditors in a transaction;
Aktuell räntesatsmarginal (för lån med bunden ränta är detta detsamma som den aktuella räntesatsen, medan för lån med rörlig ränta är detta marginalen över [eller under vid negativ indata] indexräntan).
a list of all triggers and events referred to in the documents provided to the SFIs website in accordance with point (b) that could have a material impact on the performance of the structured finance instruments;
Återställningsintervall för räntesats
the structure diagrams containing an overview of the transaction, the cash flows and the ownership structure;
Intervallet i månader där räntesatsen justeras (för lån med rörlig ränta).
the investor reports, containing the information included in Annex VIII.
Revidering, marginal 1
Underlying assets
Marginalen (%) för lånet vid det första revideringsdatumet.
The information requirements set out in Article 3 shall apply to structured finance instruments backed by the following underlying assets:
Ränta, revideringsdatum 1
residential mortgages:
Datum för påföljande ändring av räntesats (t.ex. ändringar av diskontomarginal, fasta periodavslut, lån med återställning av fast ränta; detta är inte nästa återställningsdatum för Libor).
this class of structured finance instruments includes structured finance instruments backed by prime and non-prime mortgages and home equity loans.
Revidering, marginal 2
For this class of structured finance instruments, the information included in the template in Annex I shall be provided to the SFIs website;
Marginalen (%) för lånet vid det andra revideringsdatumet.
commercial mortgages:
Ränta, revideringsdatum 2
this class of structured finance instruments includes structured finance instruments backed by retail or office property loans, hospital loans, care residences, storage facilities, hotel loans, nursing facilities, industrial loans, and multifamily properties.
Datum för andra ränteändring.
For this class of structured finance instruments, the information included in the template in Annex II shall be provided to the SFIs website;
Revidering, marginal 3
loans to small and medium-sized enterprises:
Marginalen (%) för lånet vid det tredje revideringsdatumet.
for this class of structured finance instruments, the information included in the template in Annex III shall be provided to the SFIs website;
Ränta, revideringsdatum 3
auto-loans:
Datum för tredje ränteändring.
for this class of structured finance instruments, the information included in the template in Annex IV shall be provided to the SFIs website;
Reviderat räntesatsindex
consumer loans:
Nästa räntesatsindex.
for this class of structured finance instruments, the information included in the template in Annex V shall be provided to the SFIs website;
Fastighetsinteckning och tilläggssäkerhet
leases to individuals and/or businesses:
Fastighetstyp
for this class of structured finance instruments, the information included in the template in Annex VII shall be provided to the SFIs website.
Fastighetstyp.
Frequency of reporting
Ursprunglig belåning
The information set out in Article 3(a) and (d) shall be made available on a quarterly basis, no later than one month following the due date for payment of interest on the structured finance instrument concerned.
Originatorns ursprungliga tecknade belåningsgrad (LTV).
The information set out in Article 3(b) and (c) shall be made available without delay after the issuance of a structured finance instrument.
För lån mot sekundär panträtt bör detta vara den kombinerade eller totala belåningsgraden.
In addition to the requirements set out in paragraphs 1 and 2:
Värderingsbelopp
where the requirements laid down in Article 17 of Regulation (EU) No 596/2014 of the European Parliament and of the Council [5] on insider dealing and market manipulation (market abuse) apply also in relation to a structured finance instrument, any disclosure of information pursuant to that article shall also subsequently be published without delay on the SFIs website by the reporting entity;
Fastighetsvärde vid tidpunkten för det senaste låneförskottet före en värdepapperisering.
where point (a) does not apply, the reporting entity shall disclose without delay on the SFIs website any significant change or event in any of the following cases:
Värderingsbelopp bör vara i samma valuta som lånet.
a breach of the obligations laid down in the documents provided in accordance with Article 3(b);
Ursprunglig värderingstyp
structural features that can materially impact on the performance of the structured finance instrument;
Värderingstyp vid originering.
the risk characteristics of the structured finance instrument and of the underlying assets.
Värderingsdatum
The reporting entity shall submit data files in accordance with the reporting system of the SFIs website and the technical instructions to be provided by ESMA on its website.
Datum för den senaste fastighetsvärderingen vid tidpunkten för det senaste låneförskottet före en värdepapperisering.
ESMA shall publish those technical instructions on its website at the latest on 1 July 2016.
Aktuell belåning
The reporting entity shall store the files sent to and received by the SFIs website in electronic form for at least five years.
Originatorns nuvarande belåningsgrad (LTV).
Upon request, those files shall be made available by the reporting entity or the issuer, the originator or the sponsor to the sectoral competent authorities as defined in Article 3(1)(r) of Regulation (EC) No 1060/2009.
Aktuellt värderingsbelopp
Where the reporting entity or the issuer, the originator or the sponsor, identifies factual errors in the data that has been provided to the SFIs website they shall correct the relevant data without undue delay.
Senaste värderingsbeloppet (om det t.ex. vid återtagande fanns flera värderingar, bör detta återspegla det lägsta).
Reporting between the date of entry into force and the date of application
Aktuell värderingstyp
With respect to the structured finance instruments issued in the time period between the date of entry into force and the date of application of this Regulation, the issuer, the originator and the sponsor shall comply with the reporting requirements laid down in this Regulation only in relation to the structured finance instruments which are still outstanding at the date of application of this Regulation.
Aktuell värderingstyp.
The issuer, the originator and the sponsor shall not be required to keep a backlog of the information required pursuant to this Regulation between the date of entry into force and the date of application of this Regulation.
Aktuellt värderingsdatum
It shall apply from 1 January 2017.
Datum för den senaste värderingen.
However, Article 6(2) shall apply from the date of entry into force of this Regulation.
Resultatinformation
Directive 2003/71/EC of the European Parliament and of the Council of 4 November 2003 on the prospectus to be published when securities are offered to the public or admitted to trading and amending Directive 2001/34/EC (OJ L 345, 31.12.2003, p.
Kontostatus
64).
Aktuell status för kontot.
Regulation (EU) No 596/2014 of the European Parliament and of the Council of 16 April 2014 on market abuse (market abuse regulation) and repealing Directive 2003/6/EC of the European Parliament and of the Council and Commission Directives 2003/124/EC, 2003/125/EC and 2004/72/EC (OJ L 173, 12.6.2014, p.
Saldo för skuld som förfallit
1).
Saldo för skuld som förfallit.
Reporting template for structured finance instruments backed by residential mortgages
Detta bör inte inbegripa eventuella avgifter som tillämpas på kontot.
ASSETS:
Antalet månaders dröjsmål
Field Name
Antalet månaders dröjsmål med lånet (vid poolens brytdatum) enligt emittentens definition.
Static/Dynamic
Resterande skuld för 1 månad sedan
Data Type
Skuldsaldo (definierat enligt skuldsaldo) för den föregående månaden.
Field Definition and Criteria
Resterande skuld för 2 månader sedan
Pool Cut-off Date
Skuldsaldo (definierat enligt skuldsaldo) för två månader sedan.
Dynamic
Rättstvist
Date
Flagga som anger pågående rättstvistförfaranden.
Pool or portfolio cut-off date.
Inlösningsdatum
All dates take YYYY-MM-DD format.
Datum när kontot inlöstes.
Pool Identifier
Fallisemang eller utestängande
Static
Totalt obetalt belopp före tillämpning av försäljningsintäkter och återvinningar.
Text/Numeric
Datum för fallisemang eller utestängande
Pool or portfolio identifier/name of transaction.
Datum för fallisemang eller utestängande.
Loan Identifier
Försäljningspris, lägre gräns
Unique identifier (ID) for each loan.
Pris på försäljning av egendom vid tvångsförsäljning, avrundas till närmaste 10000.
The loan ID should not change through the life of the transaction.
Förlust på försäljning
Originator
Totalt nettounderskott exklusive avgifter, upplupna räntor etc. efter tillämpning av försäljningsinkomster (exklusive avgift för förtida betalning om underställt återvinningar på kapitalbeloppet).
Text
Kumulativa återvinningar
Lender that advanced the original loan.
Kumulativa återvinningar ‒ endast relevant för fall med underskott.
Servicer Identifier
INFORMATION OM OBLIGATIONER:
Unique identifier per servicer to flag which entity is servicing the loan.
Fält för säkerhet eller uppgifter om obligationernas nivå
Borrower Identifier
Rapportdatum
Unique identifier (ID) per borrower (not showing the real name) — to enable borrowers with multiple loans in the pool to be identified (e.g. further advances/second liens are shown as separate entries).
Det datum då transaktionsrapporten utfärdades.
The borrower ID should not change over the life of the transaction.
Emittent
Property Identifier
Namnet på emittenten och emissionsserien, om tillämpligt.
Unique identifier per property to enable properties with multiple loans in the pool to be identified (e.g. further advances/second liens are shown as separate entries).
Dragningar under likviditetsfacilitet
Borrower Information
Bekräfta huruvida det gjorts en dragning i likviditetsfaciliteten under perioden fram till datumet för den sista räntebetalningen.
Borrower’s Employment Status
Fält för uppgifter om säkerhetsnivå
List
Utlösning av mätningar/nyckeltal
Employment status of the primary applicant.
Status för olika typer av kriminellt beteende, utspädning, försummelser, förlust och liknande säkerhetsmätningar och nyckeltal i förhållande till deras förtida amortering eller andra utlösande händelsenivåer, vid aktuellt fastställt datum.
Primary Income
Har en utlösande händelse inträffat?
Numeric
Genomsnittskurs för konstant förskottsbetalning
Primary borrower underwritten gross annual income (not rent).
Rapporten ska innehålla den genomsnittliga konstanta förskottsbetalningskursens (CPR) takt för de underliggande hypotekslånen.
Income Verification for Primary Income
I vissa jurisdiktioner kan hypotekspoolen även omfatta kommersiella lån.
Income verification for primary income.
Den genomsnittliga (Avg) konstanta förskottsbetalningskursens (CPR) takt är beloppet uttryckt som en förskottsbetalning för kapitalbeloppet som överstiger de planerade återbetalningarna.
Loan Characteristics
Genomsnittskursen för den konstanta förskottsbetalningstakten beräknas genom att först dela det aktuella bostadslånets kapitalbalans (dvs. det faktiska saldot) med det planerade bostadslånets kapitalbalans förutsatt att inga förskottsbetalningar har gjorts (dvs. att endast de planerade återbetalningarna har gjorts).
Loan Origination Date
Denna kvot höjs sedan till en nivå där exponenten är kvantiteten tolv delat med antalet månader sedan emissionen.
Date/Numeric
Subtrahera detta resultat från ett och multiplicera det sedan med hundra (100) för att bestämma den genomsnittliga konstanta förskottsbetalningskursens takt.
Date of original loan advance.
Denna beräkning uttrycks enlig följande:
Date of Loan Maturity
Genomsnitt CPR
The date of loan maturity.
Det aktuella planerade bostadslånets kapitalbalans
Purpose
det planerade bostadslånets kapitalbalans
Loan purpose.
Månader sedan utfärdandet
Loan Term
Transaktionsrapportens kontaktinformation
Original contractual term (number of months).
Referenskontakt
Loan Currency Denomination
Namnet på avdelningen eller informationskällornas referensperson(er).
The loan currency denomination.
Kontaktinformation
Original Balance
Telefonnummer och e-postadress.
Original loan balance (inclusive of fees).
OBLIGATIONSINFORMATION EFTER TRANCH:
Current Balance
Fält för tranchnivå
Amount of loan outstanding as of pool cut-off date, This should include any amounts that are secured by the mortgage and will be classed as principal in the transaction.
Obligationsklassens namn
Repayment Method
Beteckningen (vanligtvis en bokstav och/eller ett nummer) ges till en tranch av RMBS som uppvisar samma rättigheter, prioriteringar och egenskaper som definieras i prospektet, dvs. serie 1, klass A1 etc.
Type of principal repayment.
ID-nummer för internationella värdepapper
Payment Frequency
Den internationella säkerhetskoden eller -koderna, eller vid avsaknad av Isin, i sådant fall alla andra unika koder för värdepapper såsom en Cusipkod, som har tilldelats till denna tranch genom en börs eller annan enhet.
Frequency of payments due, i.e. number of months between payments.
Om mer än en kod förekommer, avgränsa med komma.
Payment Due
Datum för betalning av ränta