Babigarutseho ku wa 29 Ukwakira 2026  ubwo Komisiyo y’Ubukungu n’Ubucuruzi yagezaga ku Nteko Rusange raporo ku ikurikirana ry’ishyirwa mu bikorwa ry’umwanzuro w’Inteko Rusange yo ku wa 24/02/2025 ku micungire, imiyoborere n’imikorere y’ibimina.

Komisiyo yakoze isesengura hagamijwe gukurikirana imicungire, imiyoborere n’imikorere y’ibimina, nyuma y’ibibazo byagaragaye mu ngendo Abadepite bakoreye hirya no hino mu gihugu.

Uturere twatoranyijwe ni Gisagara, Nyanza, Ruhango, Muhanga, Rubavu, Nyabihu, Rutsiro, Musanze, Gicumbi, Gatsibo, Ngoma, Kirehe, Gasabo, Nyarugenge na Kicukiro.

Ibimina basanze byaramaze kwiyandikisha mu turere 15 twakorewemo isesengura na Komisiyo y’Ubukungu n’Ubucuruzi mu Mutwe w’Abadepite, bifite ubwizigame burenga miliyari 14,9 Frw, bungana na 51% by’amafaranga yose azigamwe n’ibimina byo muri utwo turere, nubwo umubare w’ibyanditswe ukiri muto.

Raporo y’iyi Komisiyo yo muri Nzeri 2026 igaragaza ko muri utwo turere habarurwa ibimina 60.548, bifite ubwizigame burenga miliyari 29,14 Frw. Muri byo, ibyiyandikishije ni 7.256, bifite ubwizigame bwa miliyari 14,94 Frw.

Mu bimina 60.548 bibarurwa muri utwo turere, ibikorana n’ibigo by’imari ni 51.615, bingana na 85,2%. Naho mu bimina 7.256 byanditswe, ibikorana n’ibigo by’imari ni 6.360, bingana na 87,6%.

Komisiyo kandi yagiranye ibiganiro n’Umuyobozi Mukuru ushinzwe Urwego rw’amabanki n’ibindi bigo by’Imari bitari amabanki muri Minisiteri y’Imari n’Igenamigambi baganira ku bibazo birimo urutonde rw’ibimina bimaze kwiyandikisha mu Gihugu, ibyiciro biherereyemo, ibikorana n’ibigo by’imari n’ubwizigame bwabyo.

Umuyobozi Mukuru ushinzwe Urwego rw’amabanki n’ibindi bigo by’Imari bitari amabanki muri Minisiteri y’Imari n’Igenamigambi yasobanuye ko kugeza tariki ya 13 Gicurasi 2026, hari hamaze kwiyandikisha ibimina bigera ku 10.406 mu Gihugu hose bifite ubwizigame bungana na miliyari Frw 43.419.756.886. 

Ni iki gituma ibimina bitiyandikisha?

Isesengura ryakozwe na Banki Nkuru y’u Rwanda (BNR) rigaragaza ko mu mwaka wa 2025 mu Gihugu hari ibimina n’amatsinda yo kubitsa no kugurizanya bikorana n’abafatanyabikorwa bingana na 70.839 bifite abanyamuryango 1.859.124. Muri ibyo bimina n’amatsinda, ibingana na 55.035 bikora mu buryo buzwi.

Komisiyo yagaragaje ko iyandikwa ry’ibimina rikibangamiwe n’ubumenyi buke mu gukoresha ikoranabuhanga no kutagira ibikoresho birimo mudasobwa na telefoni zigezweho.

Hari kandi inzira ndende zisabwa mu kuzuza amakuru y’ikimina, ndetse n’ikibazo cy’uko iyo interineti ivuyeho, uwuzuzaga amakuru yongera gutangira bushya.

Raporo igaragaza ko hari n’amakuru avuga ko ibimina nibyandikwa bizasoreshwa, ndetse n’abanyamuryango bumva ko kuba basanzwe baziranye kandi bizerana bihagije, ntibitabire kwiyandikisha.

Minisiteri y’Imari n’Igenamigambi yasobanuriye Komisiyo ko kubaka ikoranabuhanga ryo kwandika ibimina no guhugura abarukoresha byagize uruhare mu gutuma igihe cyari cyarateganyijwe cyo kubyandika kitubahirizwa.

Yagaragaje ko hakomeje ubukangurambaga bufatanyije n’imiryango itari iya Leta, ndetse hashyirwaho itsinda rihuriweho na MINECOFIN, Banki Nkuru y’u Rwanda n’iyo miryango, rikurikirana imikorere y’ibimina n’amatsinda yo kubitsa no kugurizanya.

Ibimina byinshi biracyabika mu ngo..

Nubwo ibimina byinshi bikorana n’ibigo by’imari, raporo igaragaza ko hari ibikibika amafaranga mu dusanduku two mu ngo z’abanyamuryango, aho ashobora kwibwa cyangwa kwangizwa n’inkongi.

Komisiyo yagaragaje kandi icyuho mu bumenyi bwo gucunga umutungo. Mu bimina 60.548 byasesenguwe, ibyahawe amahugurwa anyuranye ni 19.907, mu gihe ibifite inyandiko z’ibaruramari ari 28.817.

Depite Mukamana Alphonsine, yagaragaje ko kuba ibimina bikibika amafaranga mu ngo bikwiye gushakirwa umuti urambye bigakorana n’amabanki hirindwa ubujura.

Ati “Hari bimwe nashakaga kubabaza muri iyi raporo, haragaragaramo ko haracyabaho kwambura cyangwa kwishyura nabi inguzanyo zatanzwe n’ibimina cyangwa amatsinda bigihari, ese nka Komisiyo y’Ubukungu n’Ubucuruzi mubona kugira ngo iki kibazo gikemuke cyangwa kigende kigabanyuka, hakorwa iki?”

Perezida wa Komisiyo y’Ubukungu n’Ubucuruzi, Munyangeyo Theogene yavuze ko ubwambuzi nta wahamya ko buzacika burundu ariko iyo abanyamuryango b’ibimina bahuguwe, bakamenya amategeko abagenga n’ingaruka bibagiraho gukoresha umutungo nabi birafasha, ariko icya mbere bikaba kwandikisha ikimina mu mategeko.

Mu mushinga w’imyanzuro yateguriye Inteko Rusange, Komisiyo yasabye ko MINECOFIN yagaragariza Umutwe w’Abadepite gahunda yo guteza imbere ibimina, ikubiyemo kongera umubare w’ibyiyandikisha, kongerera ubushobozi abayobozi babyo no koroshya iyandikwa hifashishijwe ikoranabuhanga.

Yateganyije ko iyo gahunda yagaragazwa mu gihe kitarenze amezi atatu.