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Ibyo wamenya ku mushinga ugamije gufasha ab’amikoro make gutunga inzu

Yanditswe na Philbert Girinema
Kuya 22 July 2022 saa 07:28
Yasuwe :

Banki Nyarwanda y’Iterambere, BRD, ifatanyije n’Ikigo cy’Igihugu gishinzwe Imiturire, batangije ubukangurambaga bwiswe "Gira Iwawe" bugamije gufasha abantu bafite amikoro aciriritse gutunga inzu, aho bazajya boroherezwa kubona inguzanyo, bazishyure ku nyungu ya 11%.

Magingo aya, muri banki z’ubucuruzi mu Rwanda, isaba inyungu nto ku nguzanyo yo gutunga inzu ni 15%, kandi nabwo bikajyana n’amabwiriza yihariye, agena agaciro runaka k’inzu kuko zikunze kuba zihanitse, zitigonderwa n’uwo ari we wese.

Raporo Scoping Rwanda’s Affordable Housing Sector and its Financing yakozwe na Access to Finance Rwanda, yagaragaje ko ingo nyinshi mu Rwanda zinjiza munsi y’ibihumbi 100 Frw ku kwezi.

Ni mu gihe ikibazo cy’amacumbi aciriritse mu Rwanda kiri mu by’ingutu igihugu gifite, cyane ko umubare w’abaturage wiyongera ijoro n’amanywa ariko aho gutuzwa ho hakaba ikibazo.

Leta yashyize ingufu mu kubaka imidugudu y’icyitegererezo igenewe abatishoboye muri gahunda zo kubatuza neza, inagena uburyo abafite amikoro nabo bashobora kubona aho bagura inzu.

Gusa imidugudu yubatswe hirya no mu Mujyi wa Kigali irimo Vision City n’indi, yagiye inengwa ko yirengagiza abafite amikoro make ahubwo ikareba cyane abafite amafaranga menshi.

Abanyarwanda bagera kuri 18% ni bo batuye mu Mijyi. Intego ya leta ni uko iki gipimo cyaba kigeze kuri 70% mu 2050.

Ubushakashatsi bwakozwe mu 2018 na IGC (International Growth Centre) bwagaragaje ko nibura inzu zigera ku bihumbi 310 zizakenerwa kubakwa kuva mu 2017 kugeza mu 2032.

Gufasha abafite ubukungu buciriritse kubona amacumbi aciriritse biri mu bizafasha mu micungire myiza y’ubutaka mu bice by’imijyi.

Kugeza ubu inzu ziciriritse zigenewe imiryango 1692 ni zo zimaze kubakwa mu gihugu zirimo 68 zo mu Mijyi yunganira Kigali, mu gihe zisigaye ziherereye mu bice bitandukanye by’Umujyi wa Kigali.

Banki y’Isi yateye inkunga umushinga ugamije kuziba icyuho cyo kubona izo nzu, uha Guverinoma y’u Rwanda inguzanyo ya miliyoni 150$ ashyikirizwa BRD kugira ngo iyakoreshe muri ibyo bikorwa byo kubaka inzu ziciriritse.

Abinjiza amafaranga ari munsi ya miliyoni 1,2 Frw bahawe umwihariko

Gahunda ya Gira Iwawe yatangijwe na BRD, igenewe by’umwihariko abinjiza amafaranga ari munsi ya miliyoni 1,2 Frw ku kwezi.

Ni mu gihe mu byiciro byabanje, harebwaga abafite amikoro yisumbuyeho. Muri iyi gahunda, harebwa amafaranga yinjizwa n’urugo rwose, niba koko ari munsi ya miliyoni 1,2 Frw.

Kuri ubu, umuntu winjiza amafaranga ari munsi yayo azaba yemerewe inguzanyo itarengeje miliyoni 40 Frw yo kugura inzu, akazajya yishyura ku nyungu ya 11% mu gihe cy’imyaka 20.

Uwo muntu agomba kuba agiye gutunga inzu ye ya mbere.

Umuntu uwinjiza hagati ya miliyoni 1,2 Frw na miliyoni 1,5 Frw azaba yemerewe kugura inzu ifite agaciro kari hagati ya miliyoni 40 Frw na miliyoni 60 Frw. We azajya ahabwa inguzanyo ku nyungu ya 13%.

Uko umuntu azajya abona inguzanyo

BRD isobanura ko ushaka inguzanyo azajya yiyandikisha muri iyi gahunda anyuze kuri www.iwanjye.brd.rw/. Nyuma azajya asubizwa mu gihe kitarenze icyumweru kimwe.

Ni ukuvuga ngo azajya yuzuza ibisabwa, hanyuma igisubizo akibone bitarenze ku wa Gatanu w’icyumweru. Nyuma niba amakuru yatanze amwemerera inzu, azajya ahabwa ubutumwa bumusaba kugana banki akayigura.

Mu igenzura, BRD ifatanyije n’Ikigo cy’Igihugu gishinzwe Imiturire bazajya bagenzura niba nta yindi nzu afite, bagenzure kandi ingano y’umutungo we niba uhuye koko n’icyiciro ashaka gusabamo inguzanyo.

Uwemerewe inguzanyo, ubu afite amahirwe yo kugana banki esheshatu mu zikorera mu Rwanda kuko arizo zatangiranye n’iyi gahunda. Izo ni Banki ya Kigali (BK), ZIGAMA CSS, Bank of Africa (BoA), Umwalimu SACCO, NCBA Bank na Banki y’Abaturage (BPR Bank).

Mu gihe ageze muri Banki, azajya afashwa nk’abandi bashaka inguzanyo zisanzwe, ariko we ahabwe umwihariko ku nyungu ku nguzanyo.

Umuhuzabikorwa w’imishinga yihariye muri BRD, Lilian Igihozo Uwera, avuga ko uyu mushinga ugamije gufasha abanyarwanda benshi kubona icumbi.

Ati "Tugamije gufasha abanyarwanda kugura inzu ziri ku rwego rw’ubushobozi bwabo, izo nzu zigomba kugura munsi ya miliyoni 40 z’amanyarwanda, twifuza ko bigera ku bantu benshi bashoboka biciye mu ma banki. Abemewe muri uyu mushinga ni umuryango winjiza amafaranga mu buryo rusange atarenze 1.200.000 Frw ku kwezi."

Mu gihe umuntu ari gusaba inguzanyo, azaba yemerewe kujya kurambagiza inzu ahantu hose ashaka ku gaciro we yifuza kajyanye n’icyiciro arimo.

Ni ukuvuga ngo umuntu ashobora kubona inzu aho ariho hose mu gihugu niba ari mu cyiciro cy’abagenewe inyungu ya 11%, ikaba iri munsi ya miliyoni 40 Frw.

Bivuze ko ashobora nko kubona inzu mu nkengero za Kigali kuri miliyoni 10 Frw cyangwa se munsi yaho, ipfa kuba yubatse ahantu hagenewe kubakwa. Ntabwo ari itegeko gufata inzu ya miliyoni 40 Frw.

Azajya ayirambagiza, namara kuyibona ayereke banki, yo imuhe amafaranga ayigure. Banki izajya imenyesha nyiri iyo nzu ko ashobora gukorana amasezerano n’uyishaka, hanyuma yo ikamuha amafaranga akayegukana.

Umuyobozi Mukuru w’Ishami rishinzwe imyubakire y’amacumbi mu Kigo cy’Igihugu Gishinzwe Imyubakire [RHA], Léopold Uwimana, yavuze ko hari ibyiciro by’abantu bagorwa no gutura neza, akaba ariyo mpamvu Leta yashyizeho gahunda y’inzu ziciriritse.

Yavuze ko gahunda itarobanura abantu mu cyiciro runaka, gusa ngo harebwa niba uwaka inguzanyo afite ubushobozi bwo kuyishyura.

Ati "Kugira ngo abantu bature neza, twasanze hari abantu badashobora kubona inzu mu buryo bworoshye. Icyo cyiciro ni cyo leta yavuze ngo reka dushyireho gahunda y’inzu zihendutse. Ku bantu binjiza hasi ya miliyoni 1,2 Frw. Ntabwo ari umushahara ahubwo ni amafaranga urugo rushobora kwinjiza mu bushobozi ubwo aribwo bwose. Yaba abantu babiri, yaba batanu."

Yatanze urugero ku nyingo yigeze gukorwa, ikagaragaza ko mu bantu benshi batuye mu Mujyi wa Kigali, umubare munini winjiza hasi y’ibihumbi 300 Frw ku kwezi.

Ati "Abo bantu binjiza hasi y’ibihumbi 300 Frw, bakeneye gahunda yihariye yo kugira ngo bashobore kubona inzu zo kubamo. Yaba izo kugura, bazishyura mu myaka itarengeje 20."

Umuyobozi Mukuru w’Ishami rishinzwe imyubakire y’amacumbi mu Kigo cy’Igihugu Gishinzwe Imyubakire [RHA], Léopold Uwimana, yatangaje ko urugo rwose rwinjiza munsi ya miliyoni 1,2 Frw rurebwa n'iyi gahunda

Bizagendera bite ku muntu ushaka kubaka

Bitandukanye n’indi mishinga yabanje aho wasangaga nta buryo butekereza ku muntu ufite ikibanza ariko ushaka kwiyubakira, magingo aya, hari uburyo byatekerejweho.

Mu gihe umuntu afite ikibanza, azajya agira amahirwe yo gusaba inguzanyo muri banki ariko asobanure ko ari iyo kubaka.

Narangiza kubaka, azajya asaba kuba inguzanyo ye yahindurwa ikajya muri gahunda ya Gira Iwawe, ni ukuvuga ikishyurwa ku nyungu nto.

Bivuze ko umuntu ashobora kwiyandikisha none muri Giri Iwawe, yarangiza akajya gusaba amafaranga muri banki yo kubaka byihuse.

Mu gihe arangije kubaka nko mu mezi atatu cyangwa atandatu, afite uburenganzira bwo kujya gusaba banki ikamuhindurira ya nguzanyo kuko yemewe muri Gira Iwawe, inyungu ikaba guhera kuri 11% uhereye igihe inzu yuzuriye.

Bivuze ko nk’amezi ya mbere yakwishyura ku nyungu isanzwe, yakuzuza inzu akajya ku nyungu ya Gira Iwawe.

Inzu iciriritse ivugwa ni imeze ite?

Uwimana asobanura ko muri iyi gahunda, inzu ziciriritse zivugwa ari izigenewe abantu bari mu mikoro yo hasi.

Ati "Twavuze abantu binjiza kugeza kuri miliyoni 1,2 Frw ariko ari umusaruro mbumbe w’urugo. Hasi ntabwo higeze habarwa, ushobora guhera ku bihumbi 100 Frw, ibihumbi 200 Frw, bitewe n’ikigero cy’inzu umuntu ashobora kubona."

Yasobanuye ko Ikigo cy’Igihugu gishinzwe Imiturire hari inyingo cyakoze, ikagaragaza ko hari inzu umuntu ashobora kubaka mu mudugudu wo mu cyaro ntirenze miliyoni 3 Frw.

Ati "Ntabwo twavuze ngo ni uguhera kuri aya, ahubwo twaravuze ngo uhereye kuri miliyoni 1,2 Frw, hasi nta kibazo. Uwo ariwe wese yakwisanga."

Iyi gahunda igena ko mu 2024 nibura inzu 6000 zizaba zimaze gutangwa. Ni mu gihe kuva yatangira mu 2019, izamaze kugurishwa ari inzu 300.

BRD isobanura ko ahanini byatewe n’uko amabwiriza yategekaga abantu kugura inzu ahantu runaka, mu midugudu ihari, bitandukanye n’uko ubu umuntu azajya ayishaka aho ariho hose yumva hamubereye.

Umuhuzabikorwa w’imishinga yihariye muri BRD, Lilian Igihozo Uwera, ubwo yatangizaga ku mugaragaro iyi gahunda
Umuhuzabikorwa w'uyu mushinga muri BRD, Emmanuel Ahabwe, ubwo yasobanuraga ibizajya bikurikizwa kugira ngo umuntu yemererwe inguzanyo
Banki esheshatu ni zo zatangiranye na gahunda ya Gira Iwawe. Abazihagarariye bari bitabiriye uyu mushinga

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