Ibintu 10 ukwiye kwitaho mu gihe ugiye kugura imodoka yakoze

Yanditswe na Dufitumukiza Salathiel
Kuya 4 Gashyantare 2021 saa 08:53
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Bibaho ko umuntu ashaka kugura imodoka runaka ariko adafite amikoro yo kuyigura ari nshya. Nta gushidikanya, kugura imodoka yakoze bituruka ahanini ku kuba uyishaka ari bwishyure make ugereranyije n’ayayitangwaho ari nshya.

Muri uko gushaka kuyibona uhendukiwe kandi imunyuze, haba hakenewe cyane ubumenyi kuri byo kugira ngo utazicuza kuko icyo wari witeze nk’intambwe y’iterambere gihindukiye kikaguteza igihombo, ntigikundwe n’abo wari ushaka ko bacyishimira, cyangwa nawe ukirenganya uti “Narahubutse” cyangwa “Narahenzwe”.

Hagaragazwa ko kuba ushaka kubona imodoka ku giciro gito na nyir’ukuyigurisha akaba ashaka igiciro kiri hejuru byagatumye ubanza kugira ibyo witaho ukanagenzura mbere yo gufata umwanzuro wa nyuma ukayitanagaho ayawe.

Burya ngo mu gihe ugiye kugura imodoka yakoze wagakwiye kugabanyaho 40% by’ayo igura ari nshya kabone nubwo ugurisha yakwemerera kuguha garantie y’umwaka.

Urubuga rw’Abongereza,Discovery, hari inama icumi rutanga ku muntu ushaka kugura imodoka ya caguwa. Si itegeko kuzubahiriza ariko uzigendeyeho byakurinda kubihirwa washoye ayawe.

Banza ukore ubushakashatsi ku bwoko bw’imodoka ushaka kugura

Mu gihe ufite gahunda yo kugura imodoka yakoze ugirwa inama ko wari ukwiye kubanza gukora ubushakashatsi ku bwoko bwayo, ukayigiraho amakuru y’ibanze. Ubu byaroroshye ku buryo amakuru menshi umuntu yabasha kuyabona yifashishije internet, ibyo ashaka kumenya akaba yabimenya ari iwe kandi nta wundi umenye gahunda ze.

Unyuze ku mbuga zikunze kugurishirizwaho imodoka cyane cyangwa izikunze gutangaza amakuru ku modoka, ushobora kubona amakuru ajyanye n’ibiciro iyo ushaka kugura igurishwaho iyo ari nshya, inenge ikunze kugira, uko ikunzwe n’ibindi byose byagufasha kumenya uko uciririkanwa.

Amafaranga ugomba guteganya si ay’imodoka gusa

Ujya kugura imodoka ntateganya amafaranga ahwanye n’ayo ari buyishyure gusa kuko hari n’ibindi bijyana nayo bisaba amafaranga. Urugero niba iyo wifuza kugura bari kuguca miliyoni 30 frw, nta bushobozi bwo kuyigura waba ufite niba n’ubundi ayo ari yo yonyine ufite.

Ukwiye gutekereza no ku misoro, ubwishingizi, lisansi uzakoresha n’ibindi biba bitagaragara ako kanya nko gusimburanya amapine n’ibindi. Ibyo nabyo bigusaba amafaranga kandi ukwiye kubibarira mbere yo kwishyura iyo modoka. Muri make ibyo nabyo ugomba kubanza wabiteganyiriza mu mafaranga ufite, ukabona kuvuganira imodoka runaka ugereranyije n’ayo ubona waba usigaranye.

Genzura neza niba imodoka uhabwa idahangitse

Bibaho kenshi ko imodoka zigurishwa zarakoze ziba zarahinduriwe ibyuma bimwe na bimwe, hakaba ubwo ibyashyizwemo bifite ubushobozi buke ugereranyije n’ubw’ibyakoranwe nayo. Hari n’ubwo usanga igurishwa yanditseho umwenda w’imisoro cyangwa iri mu bindi bibazo bitandukanye, ku buryo byakugiraho ingaruka mbi mu gihe waba wamaze kuyigura.

Hatangwa inama ko mu gihe ushaka kugura imodoka yakoze washaka amakuru yizewe 100% ukamenya niba ibyuma ifite ari byo yakoranywe nayo, ukamenya umwaka yakozwemo, igihe yandikishirijwe, moteri yayo ndetse ukagenzura ko itarimo ibirarane by’imisoro.

Mbere yo kugura imodoka yakoze, ni byiza gusuzuma ibyuma biyigize

Kugira ngo umenye ko amakuru ushaka yizewe neza, ni ngombwa ko ibyo wabwiwe n’ushaka kukugurisha ubihuza n’ibindi wishakiye ku mbuga runaka zishobora kurangwaho amakuru nk’ayo bitewe n’aho uherereye. Bihuye neza wayishyura, ariko iyo habayeho kunyuranya uba ukwiye kuyireka kuko ishobora kuguhombya nyuma cyangwa ikakujyana mu manza.

Genzura n’ibindi byose bishoboka

Niba umaze kugenzura ibyavuzwe haruguru, ukwiye no kugenzura utundi tuntu tumwe na tumwe nk’amagaraji imodoka yagiye ikoreshwamo igihe yari yagize utubazo, igihe garantie yahawe izarangirira cyangwa niba yararangiye, ndetse ukanayizenguruka witegereza hose, ukareba aho yaba yarangiritse cyangwa ikavaho irangi ku buryo byayigabanyiriza igiciro.

Suzuma ko iyo modoka itagwatirije

Hari ubwo umuntu agura imodoka adafite amafaranga yuzuye, agahabwa igihe runaka cyo kuzishyura asigaye byamunanira akayisubiza. Hari n’ubwo imodoka ishobora gutangwamo ingwate mu gihe nyirayo yatse umwenda muri banki cyangwa ibindi bigo by’ishoramari.

Ni ngombwa ko ugenzura niba imodoka ugiye kugura itaratanzwemo ingwate, cyangwa se ko uyigurisha yarangije kwishyura amafaranga yayo yose hato utazayamburwa ngo ntiwishyuye umwenda runaka.

Genzura ubuziranenge bwayo

Mbere yo kurekura amafaranga yawe ku modoka yakoze, ugirwa inama yo kubanza kugenzura igihe icyemezo cy’ubuziranenge cyayo kimaze, ukagenzura ko ibinyoteri, amatara, amahoni, ibyirori byayo ndetse n’utwuma duhanagura amazi ku kirahuri byose bikora neza.

Reba neza niba ibiri mu cyemezo cy’ubuziranenge bihura n’uko imodoka igaragara, ugenzure ko ibirango byayo biri mu cyemezo ari ibyo ifite koko, kandi wibuke kureba niba icyemezo kigaragaza ko nyirayo yapfuye kandi ariho cyangwa niba ibyanditswe ko akora atari byo akora.

Niba ibigaragara mu cyemezo binyunyije n’ukuri wibonera, ntabwo uba ukwiye kugura iyo modoka.

Hakenewe umukanishi akakurebera

Ubaye ugiye kugura imodoka yakoze utamenyereye iby’imodoka cyangwa utari umukanishi, ni byiza ko washaka umukanishi wizeye mukajyana akayikurebera, kuko aba asobanukiwe neza ibintu by’ibanze ku modoka.

Hari ubwo ushobora gusobanurirwa ikibazo runaka imodoka ifite mbere yo kuyigura, ntugihe agaciro kandi wenda gikomeye. Iyo uri kumwe n’ubisobanukiwe, ni amahirwe uba ubonye, yabyaze umusaruro ukurikirana icyo kibazo neza uko gihagaze n’ingaruka gishobora kugira nyuma yo kuyigura.

Banza uyitwareho

Ni byiza ko ufata umwanya nk’iminota 30 ugatwara ku modoka ushaka kugura ukareba neza imikorere yayo. Ni byiza kuyigendesha mu mihanda itandukanye [ahazamuka, ahatambika, n’ahamanuka], kuyigendesha isubira inyuma, kuyikatisha amakoni no gufata feri ukareba ko bikora byose. Niba bishoboka saba uyikugurisha kuyinyuza n’ahatari mu muhanda bizagufasha kumenya ko ikomeye.

Ntukwiye gukorera ku gitutu

Ubusanzwe iyo umukomisiyoneri cyangwa umuntu ugurisha imodoka yakoze ari kumwe n’ushaka kuyigura, asa n’umushyiraho igitutu amwumvisha buryo ki nayigura araba afite imodoka nziza ndetse igezweho, ahanini agamije ko bamwihera amafaranga kuko ari yo akeneye.

Uko akomeza kugenda akuryoshyaryoshya, hari ubwo nawe ushobora kwishyira ku gitutu ugahita wishyura amafaranga. Nyamara ukwiye gufata umwanya uhagije wo kubitekerezaho witonze no kugenzura ikintu icyo ari cyo cyose wifuza kureba, kugeza igihe igitekerezo kikuzamo ukanzura ko ukwiye kuyishyura.

Mu gihe cyo kwishyura hari ibyo ukwiye kwitaho
Nyuma yo gukora igenzura ryimbitse ku modoka ushaka kugura ugasanga nta nenge cyangwa ibindi bibazo ifite bikarangira ufashe umwanzuro wo kuyishyura, hakurikiraho kumvikana igiciro n’ugurisha.

Mu kwishyura amafaranga, ni byiza ko waba ufite imyirondoro yuzuye y’uwo uguze nawe, mugakora amasezerano y’ubugure kandi akagushyikiriza ibyangombwa byose by’iyo modoka. Ibyangombwa byanditse mu mazina ye aba agomba kubyiyandukuzaho hakandikwamo amazina yawe.

Ufite uburenganzira bwo kwishyura ukoresheje uburyo ushaka, ariko ukoresheje uburyo bw’ikoranabuhanga nka credit card byaba akarusho kuko igihe bibaye ngombwa ko bikenerwa, byagaragara igihe wamwishyuriye n’ayo wamwishyuye.

Ntukibagirwe gusaba inyemezabwishyu umuntu ukugurishije imodoka yakoze.

Kugura imodoka yakoze bisaba kwitonda cyane no kugenzura

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