Ukuvikelwa kwabathengi lapho bethenga into enephutha kuyilungelo eliqinisekisiwe e-European Union, kodwa iminyaka eminingi indlela lokhu okudluliselwa ngayo ibingacaci kubathengi abaningi . Abaningi abazi ukuthi banesivikelo esingakanani nokuthi ubani onesibopho uma kukhona okungahambi kahle, inkinga iBrussels ehlose ukuyixazulula ngohlelo lolwazi oluvamile lwawo wonke amazwe angamalungu.
Kusukela ngoSepthemba 27, izikhungo zokuthengisa kuzodingeka zilungise izikhala zazo ezibonakalayo kanye namapulatifomu edijithali ukuze zibonise ngokusobala ilebula elazisa amakhasimende ngesiqinisekiso esisemthethweni emikhiqizweni yazo. Lesi sinyathelo sihambisana nelebula yokuzithandela, ebizwa ngokuthi i-EU GARAN , eyenzelwe ukuqaphela abakhiqizi abanikeza izibopho zokuqina ezingaphezu kwesilinganiso esimisiwe ngumthetho.
Yini eshintsha ezitolo kusukela ngomhlaka-27 Septhemba
Abathengisi kuzodingeka babonise isaziso esijwayelekile kuwo wonke amazwe e-European Union esikhumbuza amakhasimende ngesiqinisekiso esisemthethweni seminyaka emibili esincane sempahla ethengiwe. ESpain, lokhu kuvinjelwa kukude nakakhulu: kusukela ngoJanuwari 1, 2022, izimpahla ezintsha zinesiqinisekiso esisemthethweni seminyaka emithathu, isimo esingashintshi yimithetho emisha.
Ilebula kumele libonakale kokubili ezitolo ezingokoqobo kanye nasezinkundleni zokuthengisa eziku-inthanethi, ukuze abathengi bakwazi ukwazi ngamalungelo abo ngaphambi kokuqeda ukuthenga . Inhloso iwukuthi lolu lwazi lungafakwa emigomeni nemibandela ejwayelekile cishe engafundwa muntu, kodwa kunalokho luvele ngokugqamile ngesikhathi senqubo yokuthenga.
Ukuvikelwa okusemthethweni kuyasetshenziswa uma into inephutha, okusho ukuthi ayisebenzi kahle, inephutha, noma ayifani nezincazelo ezikhangisiwe encazelweni yomkhiqizo . Kulezi zimo, umthengi angafaka isimangalo kumthengisi futhi acele ukulungiswa noma ukushintshwa komkhiqizo mahhala . Uma kungekho kulezi zinketho ezingenzeka noma ezingaxazululi inkinga, kunezinye izinketho ezitholakalayo, njengokwehliswa kwentengo noma ukuqedwa kwenkontileka ngokubuyiselwa kwemali okuhambisanayo.
Kubalulekile ukucacisa ukuthi lesi saziso saseYurophu asisho ukuthi iSpain izokwandisa iwaranti yayo kusukela eminyakeni emibili kuya kwemithathu. Lolo shintsho selwenzekile kakade ngo-2022, futhi lokho okwethulwa manje kuyindlela ejwayelekile yokwazisa abathengi ngelungelo elivele likhona . Ukudideka phakathi kwalezi zici ezimbili kube ngesinye sezizathu ezenza iKhomishini yaseYurophu yakhuthaza lesi sinyathelo.
Ilebula le-EU GARAN, ilebula lokuzithandela labakhiqizi
Kanye nesaziso sesiqinisekiso esisemthethweni esidingekayo, abathengi bazoqala ukubona esinye isihlonzi: ilebula le-EU GARAN. Ngokungafani nelokuqala, ukusetshenziswa kwalo ngeke kuphoqelelwe ngumthetho , kodwa kunalokho kuzoba ngokubona kwabakhiqizi abakhetha ukunikeza isiqinisekiso sezentengiselwano samahhala esinokuphila okungaphezu kweminyaka emibili ebekwe ngumthetho waseYurophu.
Ukuze kuboniswe leli lebula, iwaranti kumele imboze wonke umkhiqizo, ibe mahhala, futhi ibophezele umenzi ukuthi alondoloze imisebenzi nokusebenza kwento ngaphansi kokusetshenziswa okuvamile isikhathi esithile. Uma umkhiqizo uyeka ukuhlangabezana nale mibandela phakathi nesikhathi esimboziwe, umenzi kumele awulungise noma awushintshe ngaphandle kwezindleko kumthengi.
Lesi siqinisekiso sezentengiselwano singaphezu kwesiqinisekiso esisemthethweni futhi asikwazi, ngaphansi kwanoma yiziphi izimo, ukunciphisa amalungelo omthengi akhona. Umenzi angakhangisa, isibonelo, isiqinisekiso sokuqina seminyaka emihlanu sethuluzi, futhi leso sithembiso sizobopha ngaphansi kwemigomo ekhangisiwe, kodwa umthengi usazoqhubeka nokuvikela anelungelo lokukuthola kumthengisi ngaphansi komthetho waseSpain.
Ilebula lingaboniswa kumkhiqizo ngokwawo, ekupakishweni kwawo, eduze kwento eseshalofini lesitolo, noma eduze kwesithombe sayo ekuthengweni okuku-inthanethi. Kodwa-ke, ngeke livele kuyo yonke imikhiqizo etholakalayo, njengoba lokhu kuncike ekutheni umenzi uhlangabezana nezimfuneko futhi anikeze ulwazi oluhambisanayo. Okuzoba yimpoqo kubo bonke abathengisi kusukela ngomhlaka-27 Septhemba yisaziso esijwayelekile mayelana nesiqinisekiso esisemthethweni.
Kungani lo mthethonqubo ufika manje?
Lesi sinyathelo siphendula eqinisweni elibonwe yizinhlangano zaseYurophu isikhathi eside: ulwazi mayelana neziqinisekiso luvame ukudideka kumthengi. Iziqinisekiso ezengeziwe zezentengiselwano ezinikezwa yimikhiqizo ethile zingahlangana nokuvikelwa okusemthethweni okuvunyelwe yinoma yimuphi umthengi, okudala ukungabaza ngokuthi yisiphi isivikelo umuntu anaso ngempela nokuthi ubani angafaka isikhalazo kuye.
Ngalesi simiso esivamile, i-European Union ihlose ukuqinisekisa ukuthi wonke umuntu angabona kalula amalungelo akhe ngokushesha, kungakhathaliseki ukuthi ukuphi noma ukuthi ukuthengwa kwenziwa mathupha noma ku-inthanethi. Ukuvumelanisa la malebula kuhlose futhi ukuqinisa ukwethembana ekuhwebeni kwamanye amazwe nokunika amandla abathengi ukuthi benze izinqumo ezinolwazi oluthe xaxa mayelana nemijikelezo yokuphila komkhiqizo.
Uhlaka olusha, oluqala ukusebenza ngoSepthemba 27, alushintshi izikhathi zewaranti ezisebenza njengamanje eSpain, kodwa lushintsha indlela abathengisi abaxhumana ngayo nala malungelo. Ngenkathi isaziso mayelana newaranti esemthethweni sizoba yimpoqo futhi sibonakale kuzo zonke izitolo ezingokoqobo kanye namapulatifomu aku-inthanethi, ilebula le-EU GARAN lizogcinelwa abakhiqizi abanikela ngokuzithandela iziqinisekiso zokuqina ezidlula iminyaka emibili futhi zimboze wonke umkhiqizo. Zombili lezi zinsimbi zinomgomo ofanayo: ukuqinisekisa ukuthi abathengi bayazi kahle ukuthi banesivikelo esingakanani lapho bethenga, ngaphandle kokudinga ukuqonda umbhalo omncane noma ukubhekana nemigomo nemibandela edidayo.