{"?xml":{"@version":"1.0"},"edm:RDF":{"@xmlns:dc":"http://purl.org/dc/elements/1.1/","@xmlns:edm":"http://www.europeana.eu/schemas/edm/","@xmlns:wgs84_pos":"http://www.w3.org/2003/01/geo/wgs84_pos","@xmlns:foaf":"http://xmlns.com/foaf/0.1/","@xmlns:rdaGr2":"http://rdvocab.info/ElementsGr2","@xmlns:oai":"http://www.openarchives.org/OAI/2.0/","@xmlns:owl":"http://www.w3.org/2002/07/owl#","@xmlns:rdf":"http://www.w3.org/1999/02/22-rdf-syntax-ns#","@xmlns:ore":"http://www.openarchives.org/ore/terms/","@xmlns:skos":"http://www.w3.org/2004/02/skos/core#","@xmlns:dcterms":"http://purl.org/dc/terms/","edm:WebResource":[{"@rdf:about":"http://www.dlib.si/stream/URN:NBN:SI:doc-0KZLJUY5/9234274b-31b9-4f58-b05b-5a31ae41596a/IMAGE","dcterms:extent":"325 KB"},{"@rdf:about":"http://www.dlib.si/stream/URN:NBN:SI:doc-0KZLJUY5/72b4ab3af-9132655-80bba4554-1-49e139/PDF","dcterms:extent":"172 KB"},{"@rdf:about":"http://www.dlib.si/stream/URN:NBN:SI:doc-0KZLJUY5/d71b8ae2-56de-4d39-a0eb-f46ee8c78276/TEXT","dcterms:extent":"7 KB"}],"edm:TimeSpan":{"@rdf:about":"2013-2024","edm:begin":{"@xml:lang":"en","#text":"2013"},"edm:end":{"@xml:lang":"en","#text":"2024"}},"edm:ProvidedCHO":{"@rdf:about":"URN:NBN:SI:doc-0KZLJUY5","dcterms:isPartOf":[{"@rdf:resource":"https://www.dlib.si/details/URN:NBN:SI:spr-CFT6PFGK"},{"@xml:lang":"sl","#text":"Pravnik"}],"dcterms:issued":"2024","dc:creator":["Mele, Kaja","Škulj, Oskar"],"dc:format":[{"@xml:lang":"sl","#text":"številka:3/4"},{"@xml:lang":"sl","#text":"letnik:79"},{"@xml:lang":"sl","#text":"str. 209-211, 225-226"}],"dc:identifier":["ISSN:0032-6976","COBISSID_HOST:194429187","URN:URN:NBN:SI:doc-0KZLJUY5"],"dc:language":"sl","dc:publisher":{"@xml:lang":"sl","#text":"Zveza društev pravnikov Slovenije"},"dc:subject":[{"@xml:lang":"en","#text":"CHF"},{"@xml:lang":"en","#text":"credits"},{"@xml:lang":"en","#text":"currency clause"},{"@xml:lang":"en","#text":"information duty"},{"@xml:lang":"sl","#text":"krediti"},{"@xml:lang":"sl","#text":"pojasnilna dolžnost"},{"@xml:lang":"en","#text":"Supreme Court of the Republic of Slovenia"},{"@xml:lang":"en","#text":"Swiss francs"},{"@xml:lang":"sl","#text":"švicarski franki"},{"@xml:lang":"sl","#text":"valutna klavzula"},{"@xml:lang":"sl","#text":"Vrhovno sodišče Republike Slovenije"}],"dcterms:temporal":{"@rdf:resource":"2013-2024"},"dc:title":{"@xml:lang":"sl","#text":"Priznati pravico do \"brezplačnega\" kredita je nedopustno in absurdno|"},"dc:description":[{"@xml:lang":"sl","#text":"In Slovenia, banks once routinely concluded credit contracts with a currency clause in Swiss francs, as was either permitted or mandated by law. The current regulation of these credits presents challenges, both in terms of retroactivity and the principle of legal certainty. The majority of banks in Slovenia fulfilled their explanatory duty adhering to the then-current legislation. Furthermore, the involvement of a notary and explicit warnings in the credit agreements indicate that the majority of credit agreements in Swiss francs in Slovenia either meet the conditions or meet the standard that these agreements do not contain unfair terms. Consequently, practices that were entirely normal a decade ago are now deemed unfair. The article is a short report from a lecture by Minu Anamaria Gvardjančič, PhD, a lawyer from Ljubljana who deals with such cases in the courts"},{"@xml:lang":"sl","#text":"V Sloveniji so banke sklepale take kreditne pogodbe z valutno klavzulo v švicarskih frankih, kot jih je zakon dopuščal oziroma zahteval. Pri sedanjem urejanju teh kreditov pa imamo težave z retroaktivnostjo in z načelom zaupanja v pravo. Večina bank v Sloveniji je izpolnila svojo pojasnilno dolžnost v skladu s takratno zakonodajo, če dodamo še vlogo notarja in izrecno opozorilo v kreditnih pogodbah, večina kreditnih pogodb v švicarskih frankih v Sloveniji izpolnjuje pogoje oziroma odgovarja standardu, da te pogodbe ne vsebujejo nepoštenega pogoja. Nekaj, kar je bilo pred desetletjem povsem normalno, je danes nepošteno. Prispevek je sicer kratko poročilo s predavanja dr. Minu Anamarije Gvardjančič, ki se ukvarja s temi zadevami na slovenskih sodiščih"}],"edm:type":"TEXT","dc:type":[{"@xml:lang":"sl","#text":"znanstveno časopisje"},{"@xml:lang":"en","#text":"journals"},{"@rdf:resource":"http://www.wikidata.org/entity/Q361785"}]},"ore:Aggregation":{"@rdf:about":"http://www.dlib.si/?URN=URN:NBN:SI:doc-0KZLJUY5","edm:aggregatedCHO":{"@rdf:resource":"URN:NBN:SI:doc-0KZLJUY5"},"edm:isShownBy":{"@rdf:resource":"http://www.dlib.si/stream/URN:NBN:SI:doc-0KZLJUY5/72b4ab3af-9132655-80bba4554-1-49e139/PDF"},"edm:rights":{"@rdf:resource":"http://rightsstatements.org/vocab/InC/1.0/"},"edm:provider":"Slovenian National E-content Aggregator","edm:intermediateProvider":{"@xml:lang":"en","#text":"National and University Library of Slovenia"},"edm:dataProvider":{"@xml:lang":"sl","#text":"Univerza v Ljubljani, Pravna fakulteta"},"edm:object":{"@rdf:resource":"http://www.dlib.si/streamdb/URN:NBN:SI:doc-0KZLJUY5/maxi/edm"},"edm:isShownAt":{"@rdf:resource":"http://www.dlib.si/details/URN:NBN:SI:doc-0KZLJUY5"}}}}