Tikudziwa kale chigamulo choyamba chomwe chimagwiritsa ntchito chiphunzitso cha Khothi Lalikulu lomwe lidakhala mu chigamulo chake chaposachedwa cha 258/2023, cha February 15, pomwe, pakalibe muyezo wovomerezeka pamlingo wapamwamba wovomerezeka kuti asatengere chiwongola dzanja, asanadziwike. zofunikira pamilandu yayikulu, zimakhazikitsa izi:
"Posintha mapangano a kirediti kadi, omwe mpaka pano chiwongola dzanja chakhala pamwamba pa 15%, chiwongola dzanja chimakhala chokwera kwambiri ngati kusiyana pakati pa msika wapakati ndi mtengo wogwirizana ukuposa 6%.
JPI No. 55 ya Madrid mu chigamulo cha February 27 imagwiritsa ntchito njira zomwe zakhazikitsidwa ndi Plenary of the Supreme Court ndipo, chifukwa chake, imatsutsa ntchito yopanda phindu chifukwa cha chiwongoladzanja, atamva kuti mgwirizano, kuchokera ku 2016, unapereka APR ya 26. , 07% ndipo mtengo wofalitsidwa ndi Bank of Spain pa nthawi imeneyo unali 20,84%.
Kutaya kuwonekera
Komabe, woweruza milandu amapita patsogolo ndikulowa ndikuwunika zomwe zaperekedwa mwanjira yocheperapo yomwe inanena kusowa kwa kuwonekera kwa gawo lomwelo lomwe limayendetsa chiwongola dzanja, chifukwa ndichinthu chofunikira kwambiri pa mgwirizano popanda zomwe sangathe kupulumuka.
Pachifukwa ichi, Khotilo likumaliza kuti sitinavomerezedwe ndi bungwe lomwe likupempha kuti ogwirizanawo akhale ndi mwayi weniweni wopereka machitidwe onse a chigamulo chozungulira pokhudzana ndi omwe akufuna chipukuta misozi panthawi yomaliza. za mgwirizano, ndipo chifukwa chake lingaliro lathunthu lazovuta zachuma za mgwirizano silingapangidwe. " Chifukwa chake, imatsimikizira kuperewera kwa mgwirizano wa makhadi ndikuwuza bungwe lazachuma kuti libwezere kwa ogula ndalama zonse zomwe zidalembetsedwa mopitilira muyeso womwe waperekedwa, ndi mabungwe awo ovomerezeka kuyambira tsiku la kulipira kosayenera komanso pakulipira. za ndalama zoyeserera.
Kwa Legalcasos, oikira kumbuyo chigamulochi, chigamulochi "chikugogomezera kufunikira kwa mabungwe amabanki kutsatira malamulo awiri ophatikizira momwe zinthu ziliri pamakontrakitala ozungulira, kotero kuti kungodutsa okhazikika sikukwanira. kuyang'anira zinthu zomwe zimalola ogula kuyesa ntchito ndi zotsatira za dongosolo lozungulira. "
