Ama-MEP amukele imithetho emisha yokuvikela abathengi ezikweletini zekhadi lesikweletu kanye ne-overdraft.
IPhalamende livumile imithetho emisha yezikweletu zabathengi ngoSepthemba 2023, kulandela i- isivumelwano okufinyelelwe kuso noMkhandlu ngoDisemba 2022.
Amakhredithi omthengi ayimalimboleko yokuthenga izimpahla namasevisi omthengi. Ngokuvamile zisetshenziselwa ukukhokhela izimoto, ukuhamba kanye nempahla yasendlini kanye nempahla.
Imithetho ye-EU ekhona
Imithetho ekhona ye-EU - i-Consumer Credits Directive - ihlose ukuvikela abantu baseYurophu ngenkathi ikhuthaza imakethe yemalimboleko yabathengi ye-EU. Imithetho ifaka amakhredithi omthengi asuka ku-€200 kuya ku-€75,000 futhi idinga abakweletwayo ukuthi banikeze ulwazi ukuze bavumele ababoleki ukuthi baqhathanise okunikezwayo futhi benze izinqumo ezinolwazi. Abathengi banezinsuku eziyi-14 zokuhoxa esivumelwaneni sesikweletu futhi bangakhokha imali ebolekiwe kusenesikhathi, ngaleyo ndlela behlise izindleko.
Imithetho yamukelwa ngo-2008 futhi yayidinga ukubuyekezwa ukuze ihlangabezane nesimo samanje.
Kungani kudingeka izinguquko
Isimo somnotho esinzima sisho ukuthi abantu abaningi bafuna imali ebolekiwe, futhi idijithali ilethe abadlali abasha kanye nemikhiqizo ezimakethe, okuhlanganisa okungewona amabhange, njengezinhlelo zokusebenza zokubolekwa kwemali kwabantu abaningi.
Lokhu kusho, ngokwesibonelo, ukuthi kulula futhi kusabalele kakhulu ukuthatha imali ebolekiwe encane ku-inthanethi - kodwa lokhu kungase kubize noma kungafaneleki. Kusho futhi ukuthi izindlela ezintsha zokudalula ulwazi ngedijithali kanye nokuhlola ukufaneleka kwabathengi abasebenzisa amasistimu e-AI kanye nedatha okungeyona eyendabuko kudingeka kubhekwane nayo.
Imithetho yamanje ayibavikeli abathengi abasengozini yokuba nezikweletu ngokweqile ngokwanele. Ngaphezu kwalokho, imithetho ayivumelaniswa phakathi kwamazwe e-EU.
Imithetho emisha yezikweletu zabathengi
Imithetho emisha ithi abakweletwayo kufanele baqinisekise ulwazi olujwayelekile kubathengi ngendlela esobala kakhudlwana futhi ibavumele ukuthi babone kalula yonke imininingwane ebalulekile kunoma iyiphi idivayisi, okuhlanganisa neselula.
Amalungu ekomiti agcizelele ukuthi ukukhangisa ngezikweletu akufanele kukhuthaze abathengi abanezikweletu ezingaphezulu ukuthi bafune isikweletu futhi kufanele kuqukethe umyalezo oqavile wokuthi ukuboleka imali kubiza imali.
Ukusiza ekunqumeni ukuthi ikhredithi iyazifanela yini izidingo nezindlela zomuntu ngaphambi kokuthi inikezwe, ama-MEP afuna ulwazi olufana nezibopho zamanje noma izindleko zezindleko zokuphila, kodwa athi inkundla yezokuxhumana nedatha yezempilo akufanele inakwe.
Imithetho emisha idinga:
- Ukuhlolwa okufanele kokufanelekela isikweletu komthengi
- Isilinganiso samacala
- Inketho yokuhoxa engenamibandela yezinsuku eziyi-14
- Ilungelo lokukhokha ngaphambi kwesikhathi
- Isexwayiso esicacile ezikhangisweni sokuthi ukuboleka kubiza imali
Imithetho emisha ihlanganisa izivumelwano zamakhredithi afika ku-€100,000, izwe ngalinye linquma umkhawulo ophezulu ngokusekelwe ezimeni zendawo. Ama-MEP afuna ukuthi izikhungo ze-overdraft kanye nokweqiwa kwezikweletu, okuya ngokuya kuvama, kulawulwe, kodwa bathi kufanele kube emazweni e-EU ukuthi anqume ukuthi bayayisebenzisa yini imithetho yezikweletu zabathengi kwezinye izikweletu, njengemalimboleko encane efika ku-€200, inzalo. -imalimboleko yamahhala kanye nemalimboleko okumele ikhokhwe phakathi nezinyanga ezintathu kanye nezindleko ezincane.
UMkhandlu uzophinde ugunyaze imithetho emisha ngaphambi kokuthi iqale ukusebenza.
