Chigamulo chatsopano cha Khothi Lalikulu, pamtengo wa makhadi ozungulira (ST 367/2022, ya Meyi 4), adawunikiranso mlandu wa kirediti kadi ya Barclaycard yomwe idapangidwa chaka cha 2010 chisanafike, makamaka mu 2006.
Khoti Lalikulu Kwambiri lati, pankhaniyi, APR ya 24.5% pachaka sichingaganizidwe kuti ndi yovuta chifukwa, pamasiku omwe atsala pang'ono kuperekedwa kwa khadi, "zinali zofala kuti makhadi ozungulira omwe adachita mgwirizano ndi mabungwe akulu amabanki apitirire 23% , 24%, 25% mpaka 26% pachaka", maperesenti omwe, Khotilo likuwonjezera, amapangidwanso lero.
Ndi chigamulo chatsopanochi, Khoti Lalikulu la Khothi Lalikulu linalengeza kufunikira kowunika mitengo yabwino kwambiri yogwiritsidwa ntchito ndi mabungwe akuluakulu a mabanki omwe amagwira ntchito pa msika wa makadi oyendayenda pofufuza "mtengo wamba wandalama" wa chinthuchi komanso ngati TAE ingakhale. amaonedwa ngati wogwiritsa ntchito kapena ayi.
Chigamulochi chimabwera kufotokozera, kwa ogula komanso ku gawo lazachuma, chisokonezo chomwe chilipo ponena za zomwe mitengo ikugwiritsidwa ntchito pamtengo wozungulira, kuthetsa kutanthauzira kosiyanasiyana, nthawi zina kutsutsana pa nkhaniyi, yomwe yapereka Izi zapereka pamilandu yayikulu yomwe, mosakayika, iyenera kuchepetsedwa mutaphatikiza kutanthauzira kwake pa nthawi yomwe zinthu zandalamazi ziyenera kuganiziridwa kapena ogwiritsa ntchito athu.
Chiweruzo 367/2022, cha Meyi 4
Mwachindunji, chigamulo chatsopano cha Khothi Lalikulu chimamveketsa mfundo ziwiri izi:
Mfundo yoti musankhe ngati chiwongola dzanja cha kirediti kadi ndichakudya kapena ayi
Khothi Lalikulu likuumirira kufotokozera, monga momwe linachitira mu chigamulo cha 2020, kuti "kuti mudziwe zomwe zakhala zikugwiritsidwa ntchito ngati "chiwongoladzanja chandalama" kuti asankhe ngati chiwongoladzanja pa khadi lozungulira chikugwiritsidwa ntchito, mtengowo uyenera kugwiritsidwa ntchito. chiwongola dzanja cholingana ndi gulu lomwe limayenderana ndi zomwe zafunsidwa, makhadi a kirediti kadi ndikuzungulira, osati kuchuluka kwangongole kwa wogula". Chigamulochi chinanena momveka bwino kuti, ngakhale pamakontrakitala chaka cha 2010 chisanafike, ngongole ya ogula sikuyenera kugwiritsidwa ntchito ngati chiwongolero, koma makadi angongole ndi ozungulira.
Momwe mungadziwire chiwongola dzanja chogwirizana ndi gulu lenileni la makhadi angongole ndi ozungulira: APR idagwiritsidwa ntchito kumabanki osiyanasiyana pamasiku omwe atsala pang'ono kulembetsa.
Chigamulo chatsopano cha Khoti Lalikulu la Supreme Court chimafotokoza m'mene chidzadziwire chiwerengero chenichenicho kapena mlingo wapakati: APR yogwiritsidwa ntchito ndi mabungwe osiyanasiyana amabanki, makamaka "mabungwe akuluakulu akubanki" pa malondawo pamasiku omwe atsala pang'ono kusaina pangano lofalitsidwa. ndi Bank ku Spain.
"Zomwe zinapezedwa kuchokera ku nkhokwe ya Bank of Spain zikuwonetsa kuti, pamasiku omwe atsala pang'ono kusaina pangano lozungulira, APR yomwe mabungwe amabanki amagwiritsa ntchito pochita ntchito zama kirediti kadi ndikubweza ngongole nthawi zambiri inali yokwera kuposa 20% ndipo Zinalinso zachilendo kwa makhadi ozungulira omwe adagwirizana ndi mabungwe akuluakulu akubanki kupitirira 23%, 24%, 25% ndipo ngakhale 26% pachaka.
