Li-MEP li amohetse melao e mecha ea ho sireletsa bareki ho tsoa likolotong tsa likarete tsa mokoloto le ho feta.
Paramente e amohetse melao e mecha ea mokoloto oa bareki ka Loetse 2023, kamora ho tumellano e fihletsoeng le Lekhotla ka December 2022.
Likoloto tsa bareki ke likalimo tsa ho reka thepa le litšebeletso tsa bareki. Hangata li sebelisetsoa ho lefella likoloi, maeto hammoho le thepa ea ntlo le lisebelisoa.
Melao e teng ea EU
Melao e teng ea EU - Consumer Credits Directive - e ikemiselitse ho sireletsa batho ba Europe ha e ntse e khothaletsa 'maraka oa likalimo oa bareki oa EU. Melao e akaretsa likoloto tsa bareki ho tloha ho € 200 ho ea ho € 75,000 'me e hloka hore ba kolotoang ba fane ka boitsebiso ho lumella ba alimang ho bapisa linyehelo le ho etsa liqeto tse nepahetseng. Bareki ba na le matsatsi a 14 a ho ikhula tumellanong ea mokitlane 'me ba ka khona ho lefa sekoloto pele ho nako, kahoo ba fokotsa litšenyehelo.
Melao e amohetsoe ka 2008 mme e hloka ho nchafatsoa ho kopana le tikoloho ea hajoale.
Hobaneng ho hlokahala liphetoho
Boemo bo boima ba moruo bo bolela hore batho ba bangata ba batla likalimo, le digitizing e tlisitse libapali le lihlahisoa tse ncha 'marakeng, ho kenyeletsoa le tseo e seng tsa libanka, joalo ka lits'ebetso tsa mekoloto ea batho ba bangata.
Sena se bolela, ka mohlala, hore ho bonolo ebile ho atile ho nka likalimo tse nyane inthaneteng - empa tsena li ka fetoha tse theko e boima kapa tse sa lokelang. Ho boetse ho bolela hore mekhoa e mecha ea ho senola tlhahisoleseling ka dijithale le ho lekola ho tšoaneleha ha bareki ba sebelisang litsamaiso tsa AI le data eo e seng ea setso e hloka ho rarolloa.
Melao ea hona joale ha e sireletse bareki ba kotsing ea ho ba le likoloto tse ngata ka ho lekaneng. Ho phaella moo, melao ha e lumellane pakeng tsa linaha tsa EU.
Melao e mecha ea mokoloto oa bareki
Melao e ncha e re batho ba kolotoang ba tlameha ho netefatsa tlhahisoleseding e tloaelehileng ho bareki ka tsela e hlakileng le ho ba lumella ho bona habonolo tlhahisoleseding eohle ea bohlokoa ho sesebelisoa leha e le sefe, ho kenyelletsa le mohala oa thekeng.
Litho tsa komiti li hatelletse hore liphatlalatso tsa mekitlane ha lia lokela ho khothaletsa bareki ba nang le melato e feteletseng ho batla mekoloto hape e lokela ho ba le molaetsa o hlakileng oa hore ho alima chelete ho ja chelete.
Ho thusa ho tseba hore na mokitlane o lumellana le litlhoko tsa motho le mekhoa ea hae pele e fanoa, li-MEP li batla tlhahisoleseding e kang boikarabelo ba hona joale kapa litšenyehelo tsa litšenyehelo tsa bophelo tse lokelang ho hlokoa, empa a re mecha ea litaba ea sechaba le lintlha tsa bophelo bo botle ha lia lokela ho nkoa.
Melao e ncha e hloka:
- Tlhahlobo e nepahetseng ea ho tšoaneleha ha bareki
- Kopo ea liqoso
- Khetho ea matsatsi a 14 ea ho tlohela ntle le maemo
- Tokelo ea ho lefa kapele
- Temoso e hlakileng lipapatsong tsa hore ho alima ho ja chelete
Melao e ncha e akaretsa litumellano tsa likoloto ho fihlela ho € 100,000, 'me naha ka' ngoe e etsa qeto ea moeli o ka holimo ho latela maemo a sebaka seo. MEPs e batla hore meaho ea overdraft le mekoloto e fetelletseng, e ntseng e ata, e laoloe, empa e re e lokela ho ba ho linaha tsa EU ho etsa qeto ea hore na li sebelisa melaoana ea mokoloto oa bareki ho likalimo tse ling, joalo ka likalimo tse nyane ho fihla ho € 200, tsoala. -mekoloto le likalimo tsa mahala tse lokelang ho khutlisoa nakong ea likhoeli tse tharo le ka litefiso tse nyane.
Lekhotla le lona le tla tlameha ho amohela melaoana e mecha pele e ka kena tšebetsong.
