Isigwebo esitsha seNkundla ePhakamileyo, ngexabiso lamakhadi ajikelezayo (ST 367/2022, kaMeyi 4), sahlaziya ityala lekhadi letyala leBarclaycard elaqanjwa ngaphambi kowama-2010, ngokukodwa ngo-2006.
INkundla Ephakamileyo iqikelele ukuba, kule meko, i-APR ye-24.5% ngonyaka ayinakujongwa njenge-surious kuba, kwimihla ekufutshane nokukhutshwa kwekhadi, "kwakuyinto eqhelekileyo ukuba amakhadi ajikelezayo afakwe kwikhontrakthi kunye namaqumrhu amakhulu ebhanki ukuba adlule i-23% , 24%, 25% kunye nokuya kuthi ga kwi-26% ngonyaka", iipesenti ezo, iNkundla yongeza, ziphinda ziveliswa namhlanje.
Ngesi sigwebo sitsha, iNkundla ePhakamileyo ibhengeze ukubaluleka kokuvavanya awona maxabiso afanelekileyo asetyenziswa ngamaziko ebhanki aphambili asebenza kwimarike yamakhadi ajikelezayo xa kumiselwa ukuba yintoni "ixabiso lemali eliqhelekileyo" lale mveliso kwaye ingaba iTAE ingaba ithathwa njengomsebenzisi okanye hayi.
Isigwebo siza ukucacisa, zombini kubathengi kunye necandelo lezemali, ukudideka okukhoyo malunga nokuba yeyiphi amaxabiso asebenza kwimveliso ejikelezayo, ukuphelisa ukuhlukahluka kokutolika, ngamanye amaxesha ukuphikisana malunga nalo mbandela, onike Oku kuye kwanika ukuphakama. kwisimangalo esikhulu ekufuneka, ngaphandle kwamathandabuzo, sincitshiswe emva kokudibanisa ukuchazwa kwayo malunga nokuba ezi mveliso zemali kufuneka zithathelwe ingqalelo okanye abasebenzisi bethu.
Umgwebo 367/2022, ngoMeyi 4
Ngokukodwa, isigwebo esitsha seNkundla ePhakamileyo sicacisa la manqaku mabini alandelayo:
Isalathiso sokugqiba ukuba ngaba umdla wekhadi letyala uyalobola okanye hayi
INkundla ePhakamileyo igxininisa ekucaciseni, njengoko yenzayo kwisigwebo sika-2020, ukuba "ukugqiba ireferensi esetyenzisiweyo "njengenzala yemali yesiqhelo" ukugqiba ukuba inzala kwikhadi elijikelezayo liyinzala, ireyithi kufuneka isetyenziswe. inzala ehambelana nodidi oluthile oluhambelana nokusetyenziswa kwekhredithi ebuzwayo, eyamakhadi etyala kunye nejikelezayo, hayi eyona khredithi yomthengi eqhelekileyo”. Isigwebo sibonelela ngokucacileyo ukuba, nakwizivumelwano phambi kuka-2010, akukho meko kufuneka ukuba umboleki jikelele wekhredithi asetyenziswe njengereferensi, kodwa ngamakhadi akhethekileyo najikelezayo.
Ungawubona njani umyinge wenzala ohambelana nenqanaba elithile letyala kunye namakhadi etyala ajikelezayo: iAPR ifake isicelo kumaqumrhu ahlukeneyo ebhanki ngeentsuku ezikufutshane nomrhumo.
Isigwebo esitsha seNkundla ePhakamileyo sichaza indlela eya kugqiba ngayo isalathiso esithile okanye ireyithi ye-avareji: i-APR isetyenziswe ngamaqumrhu ahlukeneyo ebhanki, ngakumbi "imibutho enkulu yebhanki" yaloo mveliso ngemihla ekufutshane nokusayinwa kwekhontrakthi epapashwe. yiBhanki yaseSpain.
“Idatha efunyenwe kwidatabase yeBhanki yaseSpain ityhila ukuba, ngemihla ekufutshane nokutyikitywa kwesivumelwano sekhadi elijikelezayo, i-APR esetyenziswa ngamaqumrhu ebhanki kwimisebenzi yekhadi letyala ngentlawulo erhoxisiweyo ibisoloko ingaphezulu kwe-20% kwakuxhaphakile ukuba amakhadi ajikelezayo afakwe kwikhontrakthi namaqumrhu amakhulu ebhanki ukuba adlule kuma-23%, ama-24%, ama-25% kunye nama-26% ngonyaka.
