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Zvikwereti zvevatengi: Nei yakagadziridzwa mitemo yeEU ichidikanwa 

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4 makore apfuura

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Isu tinoshandisa kusaina kwako kukupa zvirimo munzira dzawakabvumira uye kuvandudza manzwisisiro edu pamusoro pako. Unogona kuzvibvisa chero nguva.

MEPs inotsigira kuvandudza mitemo yeEU pachikwereti chevatengi kuchengetedza vatengi vanotarisana nesarudzo nyowani dzedhijitari uye mamiriro ehupfumi akaomarara, upfumi.

Zvikwereti zvevatengi zvikwereti zvekutenga zvinhu zvevatengi uye masevhisi. Inowanzo shandiswa kubhadhara motokari, kufamba pamwe chete nemidziyo yemumba nemidziyo.

Mitemo yeEU iripo

Mitemo yeEU iripo - iyo Consumer Credits Directive - inovavarira kuchengetedza vanhu vekuEurope vachikurudzira musika wechikwereti chevatengi weEU. Mitemo inovhara zvikwereti zvevatengi kubva pa200 kusvika € 75,000 uye inoda kuti vanokwereta vape ruzivo rwekubvumira vanokwereta kuti vaenzanise zvinopihwa uye kuita sarudzo dzine ruzivo. Vatengi vane mazuva gumi nemana ekubvisa kubva muchibvumirano chechikwereti uye vanogona kubhadhara chikwereti nekukurumidza, nekudaro vachidzikisa mutengo.

Mitemo yakagamuchirwa muna 2008 uye inoda kuvandudzwa kuti isangane nenharaunda iripo.

Sei kuchinja kuchidiwa

Kuoma kwemamiriro ehupfumi kunoreva kuti vanhu vazhinji vari kutsvaga zvikwereti, uye digitalization yaunza vatambi vatsva uye zvigadzirwa kumisika, kusanganisira asiri-mabhangi, senge crowdfunding loan apps.

Izvi zvinoreva, semuenzaniso, kuti zviri nyore uye zvakapararira kutora zvikwereti zvidiki online - asi izvi zvinogona kudhura kana kusakodzera. Zvinoreva zvakare kuti nzira nyowani dzekuburitsa ruzivo nedigital uye dzekuongorora kukweretwa kwevatengi vachishandisa maAI masisitimu uye data isiri yechinyakare inoda kugadziriswa.

Mitemo yazvino haidziviriri vatengi vari panjodzi yekuve nechikwereti chakanyanya zvakakwana. Pamusoro pezvo, mitemo haina kuwiriraniswa pakati penyika dzeEU. 6 kunze kwe10 vatengi vakatarisana nematambudziko emari kubva pakatanga dambudziko re coronavirus.

Mitemo mitsva yechikwereti chevatengi

Dare reParamende remusika wemukati uye komiti yekuchengetedzwa kwevatengi yakagamuchira yayo taura nezvemitemo mitsva musi wa 12 July 2022.

Mitemo yakarongwa inoti vanokweretesa vanofanirwa kuona ruzivo rwakajairwa kune vatengi nenzira yakajeka uye kuvabvumira kuona zviri nyore ruzivo rwese rwakakosha pane chero chishandiso, kusanganisira nharembozha.

Nhengo dzekomiti dzakasimbisa kuti kushambadzira kwechikwereti hakufanire kukurudzira vatengi vane zvikwereti zvakanyanya kutsvaga chikwereti uye inofanira kunge iine meseji yakakurumbira yekuti kukwereta mari kunoda mari.

Kubatsira kuona kana kiredhiti inokodzera zvinodiwa nemunhu uye nzira isati yapihwa, MEPs vanoda ruzivo rwakadai sezvisungo zvazvino kana mutengo wemari yekurarama inofanirwa kudiwa, asi vakati social media uye data yehutano haifanirwe kuverengerwa.

MEPs dzinoti mitemo mitsva inofanirwa kuvhara makiredhiti anosvika zviuru zana nemakumi mashanu emadhora, nenyika yega yega ichisarudza muganho wepamusoro zvichienderana nemamiriro enzvimbo. Vanoda zvivakwa zve overdraft uye kuwedzera kwechikwereti, izvo zviri kuwedzera kuwanda, kuti zvigadziriswe, asi vanoti zvinofanirwa kunge zviri kunyika kuti dzione kana dzichishandisa mutemo wechikwereti chemutengi kune zvimwe zvikwereti, senge zvikwereti zvidiki kusvika ku150,000 €, mubereko. -yemahara zvikwereti uye zvikwereti zvinofanirwa kubhadharwa mukati memwedzi mitatu uye nemari diki.

Matanho anotevera

Paramende ichavhotera mushumo mumusangano unotevera wedare reparamende, mushure mezvo vatauri veParamende vozotanga nhaurirano neKanzuru neKomisheni nezvegwaro rekupedzisira remutemo.

Zvimwe pamusoro pezvikwereti zvevatengi 

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