Mutongo mutsva weDare Repamusorosoro, pamutengo wemakadhi anotenderera (ST 367/2022, yaMay 4), akaongorora nyaya yeBarclaycard kadhi rechikwereti rakaitwa 2010 isati yasvika, kunyanya muna 2006.
Dare Repamusorosoro rakafungidzira kuti, munyaya iyi, APR ye24.5% pagore haigoni kunzi inokanganisa sezvo, pamazuva ari pedyo nekubudiswa kwekadhi, "zvaive zvakajairika kuti makadhi anotenderera akabatanidzwa nemasangano makuru emabhangi kudarika 23% , 24%, 25% uye kusvika ku26% pagore ", zvikamu izvo, Dare rinowedzera, rakadhindwa nhasi.
Nemutongo mutsva uyu, Dare Repamusoro rakazivisa kukosha kwekuongorora mitengo yakanyatsonaka inoshandiswa nemasangano makuru emabhanga anoshanda mumusika wemakadhi anotenderera pakuona kuti chii chinonzi "mutengo wemari" wechigadzirwa ichi uye kuti TAE inogona kuva. anoonekwa semushandisi kana kwete.
Mutongo unouya kuzojekesa, zvose kune vatengi uye nebazi rezvemari, kuvhiringidzika kuripo kuti ndezvipi mitengo inoshandiswa kune chigadzirwa chinotenderera, kugumisa kusiyana kwekududzirwa, dzimwe nguva kupesana pamusoro penyaya iyi, iyo yakapa Izvi zvakapa kumatare makuru ayo, pasina kupokana, anofanirwa kudzikiswa mushure mekubatanidza dudziro yayo pazvinofanirwa kutariswa zvigadzirwa zvemari izvi kana vashandisi vedu.
Mutongo 367/2022, waMay 4
Kunyanya, mutongo mutsva weDare Repamusorosoro unojekesa zvinotevera mapoinzi maviri:
Chirevo chekusarudza kana kufarira kwekadhi rechikwereti kuri mushumo kana kwete
Dare Repamusorosoro rinosimbirira kujekesa, sezvarakaita mumutongo wa2020, kuti "kuona chirevo chakashandiswa se "mubereko wemari" kusarudza kana mhindu yekadhi rinotenderera ichinetsa, muyero unofanirwa kushandiswa. mubereko unoenderana nechikamu chakanangana neicho chiri mubvunzo mashandiro echikwereti, icho chemakadhi ekiredhiti uye chinotenderera, kwete iyo yakajairika kiredhiti yemutengi". Mutongo wacho wakapa pachena kuti, kunyangwe zvibvumirano pamberi pe2010, hapana mhosva iyo mutengi wechikwereti haafanirwe kushandiswa sereferensi, asi makadhi echikwereti uye anotenderera.
Maitiro ekuona avhareji yemubereko inoenderana neiyo chaiyo chikamu chekiredhiti uye inotenderera makadhi echikwereti: iyo APR yakashandiswa kune akasiyana mabhengi masangano pamazuva ari pedyo nekunyoreswa.
Mutongo mutsva weDare Repamusorosoro unotsanangura kuti richasarudza sei chirevo chaicho kana mwero weavhareji: APR yakashandiswa nemasangano akasiyana emabhanga, kunyanya "masangano makuru emabhanga" echigadzirwa ichocho pamazuva ari pedyo nekusainwa kwechibvumirano chakaburitswa. neBhangi kubva kuSpain.
"Data yakawanikwa kubva kuBank of Spain database inoratidza kuti, pamazuva ari pedyo nekusainwa kwekondirakiti yekadhi rinotenderera, APR yakashandiswa nemasangano emabhanga kumabasa emakadhi echikwereti nekubhadhara kunononoka yaiwanzokwira kudarika 20% uye kuti zvakanga zvakajairikawo kuti makadhi anotenderera akaitwa chibvumirano nemasangano makuru emabhanga apfuure 23%, 24%, 25% uye kunyange 26% pagore.
