Isinqumo esisha seNkantolo Ephakeme, senani lamakhadi ajikelezayo (ST 367/2022, Meyi 4), sibuyekeze icala lekhadi lesikweletu le-Barclaycard elatholwa ngaphambi kuka-2010, ikakhulukazi ngo-2006.
INkantolo Ephakeme ilinganisele ukuthi, kuleli cala, i-APR engu-24.5% ngonyaka ayinakubhekwa njengenzuzo njengoba, ngezinsuku ezisondelene nokukhishwa kwekhadi, "kwakuvamile ukuthi amakhadi ajikelezayo enkontileka nezinkampani ezinkulu zamabhange adlule u-23% , 24%, 25% kuze kufike ku-26% ngonyaka”, amaphesenti, iNkantolo enezela, akhiqizwa kabusha namuhla.
Ngalesi sigwebo esisha, iNkantolo Ephakeme yamemezela ukubaluleka kokuhlola amanani aphusile asetshenziswa izinkampani zamabhange ezinkulu ezisebenza emakethe yamakhadi ezungezayo lapho inquma ukuthi iyini "intengo yemali evamile" yalo mkhiqizo nokuthi i-TAE ingaba yini. uthathwa njengomsebenzisi noma cha.
Isinqumo siza ukucacisa, kokubili kubathengi kanye nomkhakha wezezimali, ukudideka okukhona mayelana nokuthi yiziphi izintengo ezisebenza kumkhiqizo ojikelezayo, ukuqeda ukuhlukahluka kwezincazelo, ngezinye izikhathi eziphikisanayo mayelana nalolu daba, olunikeze Lokhu kunikeze ukuphakama. emacaleni amakhulu, ngaphandle kokungabaza, okufanele ancishiswe ngemva kokuhlanganisa incazelo yawo yokuthi le mikhiqizo yezezimali kufanele icatshangelwe nini noma abasebenzisi bethu.
Isahlulelo 367/2022, sangomhla zi-4 kuNhlaba
Ngokucacile, isinqumo esisha seNkantolo Ephakeme sicacisa amaphuzu angu-2 alandelayo:
Ireferensi yokunquma ukuthi inzuzo yekhadi lesikweletu iyazuzisa noma cha
INkantolo Ephakeme iphikelela ekucaciseni, njengoba yenza esinqumweni sango-2020, ukuthi “ukunquma inkomba esetshenziswe “njengenzalo yemali evamile” ukuze inqume ukuthi inzalo ekhadini elijikelezayo inemali engakanani, isilinganiso kufanele sisetshenziswe. inzalo ehambelana nesigaba esithile esihambisana nokusebenza kwesikweletu okubuzwayo, okwamakhadi esikweletu nokuzungezayo, hhayi isikweletu somthengi esijwayelekile”. Isinqumo sihlinzekele ngokucacile ukuthi, ngisho nasezinkontilekeni zangaphambi kuka-2010, akufanele nakancane kusetshenziswe ikhredithi yomthengi evamile njengereferensi, kodwa kunalokho kusetshenziswe amakhadi esikweletu aqondile najikelezayo.
Unganquma kanjani isilinganiso senzalo esihambisana nesigaba esithile sesikweletu namakhadi esikweletu azungezayo: i-APR yafaka isicelo ezinkampanini zamabhange ezihlukene ngezinsuku eziseduze nokubhalisa
Isinqumo esisha seNkantolo Ephakeme sicacisa ukuthi izonquma kanjani inkomba ethile noma isilinganiso esimaphakathi: i-APR esetshenziswa izinhlangano zamabhange ezihlukene, ikakhulukazi "izinkampani ezinkulu zamabhange" zalowo mkhiqizo ngezinsuku eziseduze nokusayinwa kwenkontileka eshicilelwe. yiBhange laseSpain.
“Imininingwane etholwe kusizindalwazi seBhange LaseSpain iveza ukuthi, ngezinsuku ezisondelene nokusayinwa kwenkontileka yekhadi ejikelezayo, i-APR esetshenziswa izinkampani zamabhange ekusebenzeni kwamakhadi okuthenga ngesikweleti ngenkokhelo ehlehlisiwe yayivame ukuba phezulu kuno-20% nokuthi bekuvamile futhi ukuthi amakhadi ajikelezayo anenkontileka nezinkampani ezinkulu zamabhange adlule u-23%, 24%, 25% ngisho no-26% ngonyaka.
