Kuwedzera kwevatengi munzanga, pamwe nekushaikwa kweruzivo rwezvemari zvakapedzwa zvigadzirwa nevemabhangi masangano anomuka kana kuti anomanikidzira kuti atengwe, senge makadhi echikwereti akaverengerwa, kuri kuita kuti mhuri zhinji dzipinde muchikwereti chakanyanya.
Panyaya iyi, ASUFIN, iyo Association of Financial Users, inoshora neChishanu chino kuti masangano akaita seCaixaBank ari kukoshesa makadhi akadzoserwa senzira yekuzvarwa kune akajairwa makadhi ekubhengi, izvo zvinoita kuti zvive nyore kune vashandisi kuunza kiredhiti inobatsira uye inodhura, neAPRs inosvika. nhamba dziri pedyo ne20%.
Iri isangano rebhangi, rinozivisa mubatanidzwa, inotsiva makadhi ekubhengi pasina makomisheni, nekuda kwekuwanikwa kwevatengi vayo vakabatana, yeMyCard, ye "deferred" modality. Mhando yekadhi iri paradar yeramangwana reConsumer Credit Directive yekutevedzera iyo 'tenga izvozvi, bhadhara gare gare' system - BNPL yechidimbu chayo muChirungu - iyo inokoka mutengi kuva nechikwereti chakawandisa.
Kadhi rekuyerera, sechishandiso chekushandisa mari, chiyero chekudzivisa kudarika-kukwereta nekubhadhara kutenga pamusoro pezviyero. Nepo makadhi ekubhengi akaverengerwa achibvumira kutenga pamusoro pechiyero, nekuda kwekugona kwekuparadzanisa mashandiro panguva yekutenga uye mushure.
Mubatanidzwa asimudzwa
ASUFIN yakaona makadhi akati wandei pamusika, ane mibairo yakakwira uye padyo neaya ekiredhiti inotenderera, asingakwane muchikamu chebhebhi (mari yakaitwa inobhadhariswa otomatiki kuaccount yemushandisi) kana kiredhiti kiredhiti (muripo waitwa unogadziriswa. pakupera kwemwedzi). CaixaBank's Mycard deferred credit rate ine APR chaiyo ye19,26%; Pakati pemahybrids, pane Visa Dual, kubva KutxaBank, ine APR ye21,31%, uye All in One, kubva kuBanco Santander, ine APR ye19,56%. Ibercaja inotengesa chikwereti chinobvumira kugadzirisa munguva pfupi, vhiki imwe, pa11,41% APR.
Mutemo
ASUFIN yakatumira BEUC (sangano revatengi vekuEurope) uye Finance Tarisa gwaro rine zvikumbiro zvakaendeswa kuEuropean Commission kuti itonge makadhi aya mune ramangwana Consumer Credit Directive.
Sangano rinozivisa kuti kusimuka kwezvigadzirwa zvitsva izvi ndezvekuti mabhanga haahwine nekutonga kwekuunganidza uye kubhadhara, asi nekubhadhara kwakaderera, sezvo mutengesi achibhadharwa nekukasira asi mushandisi achibhadhariswa mari yekutenga muakaundi yako. mushure memaawa makumi mana nemasere, iyo ichiri kupa mari kune mutengesi.
Pamusoro pezvo, kana iri kadhi reMycard, riri pakuti ndiro rinotsiva rekare, sezvo rave kudhura asi deferred debit iri mahara. Kunyanya, mutengo wemubhadharo wekubhadhara kuCaixaBank i36 euros pagore uye muripo wekutora maeuro makumi mana nemasere pagore.
Izvi zvinotyora chokwadi chekuti kadhi rekubhengi rinofanira kunge riri kodzero: hapana bhangi rinogona kuramba kupa kadhi rekubhengi. Nechikonzero ichi, sangano rinokumbira kuti European Consumer Credit Directive itsva inosungirwa kupa kadhi rekubhengi rakajairika, iro rinokwikwidza zvakaenzana nemhando yekadhi iyi uye kuti mutengo wekugadzirisa haumiriri chinhu chinotadzisa.
kurasikirwa kwemashoko
ASUFIN inokurudzirawo kuti EU izivise vatengi zvakakwana nezvenjodzi yavanotora nekuva nekadhi rine mikana yakawanda yekumisikidza mafomu anorema echikwereti.
