MEPs dzakatora mitemo mitsva yekudzivirira vatengi kubva kuchikwereti chekadhi rechikwereti uye overdrafts.
Paramende yakabvumira mitemo mitsva yechikwereti chemutengi munaGunyana 2023, zvichitevera a chibvumirano chakaitwa neKanzuru muna December 2022.
Zvikwereti zvevatengi zvikwereti zvekutenga zvinhu zvevatengi uye masevhisi. Inowanzo shandiswa kubhadhara motokari, kufamba pamwe chete nemidziyo yemumba nemidziyo.
Mitemo yeEU iripo
Mitemo yeEU iripo - iyo Consumer Credits Directive - inovavarira kuchengetedza vanhu vekuEurope vachikurudzira musika wechikwereti chevatengi weEU. Mitemo inovhara zvikwereti zvevatengi kubva pa200 kusvika € 75,000 uye inoda kuti vanokwereta vape ruzivo kuti vabvumire vanokwereta kuti vaenzanise zvinopihwa uye kuita sarudzo dzine ruzivo. Vatengi vane mazuva gumi nemana ekubvisa kubva muchibvumirano chechikwereti uye vanogona kubhadhara chikwereti nekukurumidza, nekudaro vachidzikisa mutengo.
Mitemo yakagamuchirwa muna 2008 uye inoda kuvandudzwa kuti isangane nemamiriro ezvinhu aripo.
Sei kuchinja kuchidiwa
Kuoma kwemamiriro ehupfumi kunoreva kuti vanhu vazhinji vari kutsvaga zvikwereti, uye digitalisation yaunza vatambi vatsva uye zvigadzirwa kumisika, kusanganisira asiri-mabhangi, senge crowdfunding loan apps.
Izvi zvinoreva, semuenzaniso, kuti zviri nyore uye zvakapararira kutora zvikwereti zvidiki online - asi izvi zvinogona kuve zvinodhura kana zvisina kukodzera. Zvinoreva zvakare kuti nzira itsva dzekuburitsa ruzivo nedigital uye dzekuongorora zvikwereti zvevatengi vachishandisa maAI masisitimu uye data risiri rechinyakare rinoda kugadziriswa.
Mitemo yemazuva ano haidziviriri vatengi vari panjodzi yekunyanya kukwereta zvakakwana. Pamusoro pezvo, mitemo haina kuwiriraniswa pakati penyika dzeEU.
Mitemo mitsva yechikwereti chevatengi
Mitemo mitsva inotaura kuti vanokwereta vanofanira kuona ruzivo rwakakwana kune vatengi nenzira yakajeka uye kuvabvumira kuona zviri nyore ruzivo rwese rwakakosha pane chero mudziyo, kusanganisira nharembozha.
Nhengo dzekomiti dzakasimbisa kuti kushambadzira kwechikwereti hakufanire kukurudzira vatengi vane zvikwereti zvakanyanya kutsvaga chikwereti uye inofanira kunge iine meseji yakakurumbira yekuti kukwereta mari kunoda mari.
Kubatsira kuona kana kiredhiti inokodzera zvinodiwa nemunhu uye nzira isati yapihwa, MEPs vanoda ruzivo rwakadai sezvisungo zvazvino kana mutengo wemari yekurarama inofanirwa kudiwa, asi vakati social media uye data yehutano haifanirwe kuverengerwa.
Mitemo mitsva inoda:
- Kuongororwa kwakakodzera kwekukweretwa kwevatengi
- Cap pamhosva
- 14-zuva risingaverengeki kubvisa sarudzo
- Kodzero yekubhadhara nekukurumidza
- Yambiro yakajeka mumashambadziro ekuti kukwereta kunodya mari
Mitemo mitsva inovhara zvibvumirano zvezvikwereti zvinosvika ku € 100,000, nenyika yega yega ichisarudza muganho wepamusoro zvichienderana nemamiriro enzvimbo. MEPs vanoda zvivakwa zve overdraft uye kuwanda kwechikwereti, izvo zviri kuwedzera kuwanda, kuti zvigadziriswe, asi vanoti zvinofanirwa kunge zviri kunyika dzeEU kuti vasarudze kana voshandisa mitemo yechikwereti chemutengi kune zvimwe zvikwereti, senge zvikwereti zvidiki kusvika ku200 €, mubereko. -mahara zvikwereti uye zvikwereti zvinofanirwa kubhadharwa mukati memwedzi mitatu uye nemari diki.
Kanzuru inofanirwawo kubvumidza mitemo mitsva iyi isati yatanga kushanda.
