Yanditswe na: Ubukungu
Ku ya: 29 / 09 / 2016 | Amakuru ya rwiyemezamirimo |

Uburyo buzwi cyane bwo kwaka inguzanyo muri banki, kenshi hifashishwa imishinga iteguye neza kugira ngo bayisuzume barebe niba koko izunguka mbere yo guha ba nyirayo ubushobozi (igishoro) cyo kuyitangiza. Iyo uwahawe inguzanyo atandukiriye ntayikoreshe icyo yayiherewe, bimugiraho ingaruka mbi.

Yaba umuntu ku giti cye cyangwa itsinda ry’abantu, mu gihe bagiye kwaka inguzanyo mu mabanki y’ubucuruzi cyangwa ibigo by’imari bajyana imishinga y’ibikorwa bakira inguzanyo. Iyi minshinga igomba kuba iteguwe neza rimwe na rimwe banki yasanga itanoze ikaba yafasha ba nyirayo kuyikosora.

Rimwe na rimwe banki ishobora kumarana umushinga runaka igihe kinini bigatuma nyirawo arambirwa cyangwa icyo yawuteguriye kikamucika. Kenshi hari igihe ataba ari uburangare bw’abakozi babishinzwe ahubwo bari kugerageza kunonosora uwo mushinga kugira ngo uhabwe inguzanyo unoze.

Bitewe n’uko uwaka inguzanyo agomba gutanga ingwate muri banki, banki yirinda gutanga inguzanyo mu buryo buhubutse kugira ngo uyihawe atazayihombya. Ntibibujije ko hari n’abategura imishinga yo gusabisha inguzanyo ari nk’urwiyerurutso. Bene aba baka inguzanyo bitwaje umushinga bahaye banki ariko nyakuri bashaka kuzayishora mu bindi bikorwa batabwiye banki.

Kenshi umushinga uhawe inguzanyo mu buryo bunoze uba uteguwe neza kuko uba washimwe na banki. Banki iwuha inguzanyo yabanje kureba niba uzunguka. Mu gihe banki iguhaye inguzanyo yo gutangiza umushinga runaka yashimye, ukayikoresha mu bindi, ufite ibyago byinshi byo guhomba.

Kenshi bamwe bajya bibaza impamvu ibikorwa bimwe bihomba ndetse byaba byashowemo inguzanyo ya banki, ingwate zigatezwa cyamunara. Hari igihe ba nyirabyo baba bakoresheje inguzanyo icyo batayisabiye. Dore zimwe ingaruka mbi zo guhindura umushinga waherewe inguzanyo.

Kwibeshya ku mushinga

Mu gihe ushoye inguzanyo mu mushinga utashimwe na banki wibwira ko ari wo uzunguka, uba wibeshye cyane. Mu gihe uhisemo gushora inguzanyo mu bikorwa byawe bwite utahaweho ibitekerezo bihagije uba wishoye mu mushinga wibeshyeho.

Ibitekerezo bibogamiye ku marangamutima y’umuntu bwite aba afite ibyago byo kuyoba kurenza uko yabisangiza abandi kandi bakamuha inama zihagije ku byo agiye gukora. Ashobora kwibwira ko ariho azabona inyungu, yagira uwo abibwira akamwereka ko ahubwo yishoye mu nzira y’igihombo.

Kwizera inama zawe bwite

Umutwe umwe ntiwigira inama nziza ugereranyije n’izisangiwe n’imitwe itandukanye. Ni yo mpamvu mbere y’uko umushinga wemerwa ugahabwa inguzanyo unyura mu biganza by’abakozi babyize kandi babisobanukiwe.

Umushinga wahawe inguzanyo uramutse uteshejwe agaciro, nta gushidikanya ko ubikoze yaba ayobye. Kenshi imishinga ihomba kuko yateguwe nabi. Igihe umuntu ahawe inguzanyo yo gushyira mu bikorwa umushinga runaka, akiha kubihindura aba ari kwishyira mu maboko y’igihumbo.

Umushinga wasuzumwe neza na banki ikawemeza, ugashyirwa mu bikorwa hakurikijwe uko wateguwe n’inama nyirawo yagiriwe n’abashinzwe inguzanyo, nta kabuza ko uzunguka. Inguzanyo ishowe mu byo itasabiwe iba ifite ibyago byinshi byo guhomba, nyirabyo akagorwa no kwishyura banki.

Gukorera ibintu ku gitutu

Gushora imari mu bikorwa umuntu atabanje gutekerezaho neza bituma akorera ku gitutu kuko aba akora ibyo adasobanukiwe neza. Kutagira gahunda iboneye y’ibikenewe ngo umushinga ugende neza bituma bivanga nyirawo. Rimwe na rimwe akaba yakora ibitari ingenze kurenza ibikenewe, kuko yahinduye ibikorwa yari yahawemo inama zihagije n’ababisobanukiwe.

Gusumbisha inama z’abasobanukiwe neza bituma umuntu agendera ku bitekerezo bye kurenza kumva ukuri kubirimo. Iyo atitaye ku kuri agwa mu buyobe agasarura ikinyoma.

Guhomba

Guhinyura umushinga wemewe na banki, inguzanyo yawo ukayishora mu bindi wishakiye umusaruro wabyo ni igihombo. Nubona umuntu runaka yahombeje inguzanyo ya banki, bagateza ibye cya munara, ntuzatekereze ibindi kuko ahanini biba bikomotse ku kutumvira inama z’abakozi ba banki.

Mu gihe utangiye kujya kure y’inama za banki mu ishyirwa mu bikorwa ry’umushinga bahereye inguzanyo, menya ko bisa no kujya kure y’inyungu. Intego ya banki mu gutanga inguzanyo si ukugurisha ingwate, ariko iyo bibaye ngombwa biba bityo mu rwego rwo kurengera inyungu zayo.

Banki iramutse ifite intego yo guteza cyamunara ingwate, yajya yemera kuguriza umushinga wose wiseguye ingwate ihenze. Ariko si ko bigenda kuko yita ku gaciro n’urwunguko ruzava muri uwo mushinga kugira ngo nyirawo azabone uko yishyura inguzanyo hatabayemo imvune ndende.

Ba uwa mbere mu gutanga igitekerezo kuri iyi nkuru

Andika igitekerezo cyawe hano

Agaciro k'ifaranga - rwf

     Uyu munsi Ejo hashize     
Ifaranga Rigurwa Rigurishwa Ifaranga Rigurwa Rigurishwa
£ POUND 1030 1100 £ POUND 1030 1100
€ EURO 890 910 € EURO 890 910
$ USD 817 825 $ USD 817 825
CAD 560 610 CAD 560 610
KES 7.5 8.5 KES 7.5 8.5
TZS 0.25 0.42 TZS 0.30 0.45
RAND 40 50 RAND 30 40
UGX 0.20 0.30 UGX 0.20 0.30
FBu 0.25 0.37 FBu 0.30 0.37
Imigabane Igiciro cyo Hejuru Igiciro cyo Hasi Igiciro Bafungiyeho Ejo Hashize
BK 280 280 280 280
BLR 173 173 173 173
KCB - - 330 330
NMG - - 1200 1200
USL - - 104 104
EQTY - - 334 334
CTL 88 88 88 88