Ii-MEPs ziye zamkela imithetho emitsha yokukhusela abathengi kwityala lekhadi letyala kunye ne-ovadrafti.
IPalamente yamkelwe imithetho emitsha yamatyala omthengi ngoSeptemba 2023, kulandela i isivumelwano ekufikelelwe kuso neBhunga ngoDisemba 2022.
Iikhredithi zabathengi ziimali-mboleko zokuthenga iimpahla kunye neenkonzo zabathengi. Zidla ngokusetyenziselwa ukuhlawula iimoto, ukuhamba kunye nezinto zendlu kunye nezixhobo zombane.
Imithetho ye-EU ekhoyo
Imithetho ekhoyo ye-EU – uMyalelo weeKhredithi zabaThengi – ijolise ekukhuseleni abantu baseYurophu ngelixa ikhuthaza imakethi yemali-mboleko yabathengi ye-EU. Imigaqo ibandakanya iikhredithi zabathengi ukusuka kwi-€ 200 ukuya kwi-€ 75,000 kwaye ifuna ababolekisi ukuba banike ulwazi lokuvumela ababoleki ukuba bathelekise izibonelelo kwaye benze izigqibo ezinolwazi. Abathengi baneentsuku ezili-14 zokurhoxa kwisivumelwano sentengo yemboleko kwaye banokuyibuyisela imali mboleko phambi kwexesha, ngaloo ndlela behlisa iindleko.
Imithetho yamkelwa ngo-2008 kwaye kufuneka ihlaziywe ukuhlangabezana nemeko yangoku.
Kutheni kufuneka utshintsho
Imeko yezoqoqosho enzima ithetha ukuba abantu abaninzi bafuna iimali-mboleko, kwaye ukwenziwa kwedijithali izise abadlali abatsha kunye neemveliso kwiimarike, kuquka non-iibhanki, ezifana apps mboleko crowdfunding.
Oku kuthetha, umzekelo, ukuba kulula kwaye kuxhaphake kakhulu ukuthatha iimali-mboleko ezincinci kwi-intanethi - kodwa ezi zinokujika zibe zibiza kakhulu okanye zingafanelekanga. Kukwathetha ukuba iindlela ezintsha zokubhengeza ulwazi ngedijithali kunye nokuvavanya ukufaneleka kwabathengi abasebenzisa iinkqubo ze-AI kunye neenkcukacha ezingezizo ezemveli kufuneka ziqwalaselwe.
Imithetho yangoku ayibakhuseli abathengi abasesichengeni sokutshona ematyaleni ngokugqithisileyo ngokwaneleyo. Ukongeza, imithetho ayihambelani phakathi kwamazwe e-EU.
Imithetho emitsha yamatyala omthengi
Imithetho emitsha ithi ababolekisi kufuneka baqinisekise ulwazi oluqhelekileyo kubathengi ngendlela ecacileyo ngakumbi kwaye bavumele ukuba babone lula lonke ulwazi oluyimfuneko kuso nasiphi na isixhobo, kubandakanywa neselula.
Amalungu eKomiti agxininise ukuba ukukhangisa ngekhredithi akufanele kukhuthaze abathengi ababolekwe kakhulu ukuba bafune ikhredithi kwaye kufuneka iqulethe umyalezo obalaseleyo wokuba ukuboleka imali kubiza imali.
Ukunceda ukufumanisa ukuba i-credit ifanele iimfuno zomntu kunye neendlela ngaphambi kokuba inikwe, i-MEPs ifuna ulwazi olufana nezibophelelo zangoku okanye iindleko zeendleko zokuphila ezifunekayo, kodwa wathi amajelo asekuhlaleni kunye neenkcukacha zezempilo akufanele zithathelwe ingqalelo.
Imithetho emitsha ifuna:
- Uvavanyo olululo lokufaneleka kwamatyala omthengi
- I-Cap kwiintlawulo
- I-14 yeentsuku zokukhetha ukuhoxiswa ngaphandle kwemiqathango
- Ilungelo lokuhlawula kwangoko
- Isilumkiso esicacileyo kwiintengiso zokuboleka kubiza imali
Imithetho emitsha igubungela izivumelwano zeekhredithi ukuya kwi-€ 100,000, kunye nelizwe ngalinye lithatha isigqibo somda ophezulu ngokusekelwe kwiimeko zendawo. Ii-MEPs zifuna izibonelelo ze-overdraft kunye nokugqithiswa kwetyala, eziya zixhaphaka ngakumbi, ukuba zilawulwe, kodwa zithi kufuneka kube kumazwe e-EU ukuba athathe isigqibo sokuba asebenzise imigaqo yetyala lomthengi kwezinye iimali-mboleko, ezifana nemali-mboleko encinci ukuya kwi-€ 200, inzala. -imali-mboleko yasimahla kunye nemali-mboleko kufuneka ihlawulwe kwiinyanga ezintathu kunye neentlawulo ezincinci.
IBhunga kuya kufuneka ukuba liphumeze imigaqo emitsha phambi kokuba iqalise ukusebenza.
