Ibyo wamenya kuri ‘BPR Home Loan’, inguzanyo yagufasha gutunga inzu yawe bwite

Yanditswe na IGIHE
Kuya 2 Ugushyingo 2020 saa 10:40
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Gutunga inzu ni inzozi zikomeje kugirwa na benshi, bakora amanywa n’ijoro ubutaruhuka, bakizigamira ubudatuza nubwo hari ubwo amafaranga atagwira. Bose intego ni imwe, ni ukuruhuka ubukode bwa buri kwezi, butuma hari ubwo umuntu umusura aha, ejo bundi ukamusanga hariya, yimutse.

Nubwo hatekerezwa ku buryo bunyuranye bwo kuruhuka uwo mutwaro, ubumaze kuyobokwa na benshi kandi buhamye ni BPR Home Loan, inguzanyo yashyizweho na Banki y’Abaturage y’u Rwanda (BPR Plc), igamije gufasha abakiliya gutunga inzu zabo.

Ni inguzanyo yashyiriweho kugoboka umuntu igihe akeneye kugura inzu yuzuye, cyangwa kubaka inzu y’inzozi ze kandi inajyanye n’ubushobozi bwe.

Ni inguzanyo ifite imiterere inogeye abakiliya, kuko yatekerejweho mu buryo butuma uyihawe yishyura mu gihe kirekire gishobora kugera ku myaka 25, mu gihe mbere cyageraga ku myaka 20 gusa.

Ubu buryo bushya burinda umukiliya ko umwenda wa banki wamubera umuzigo, kwishyura bikaba byahungabanya iterambere rye, ahubwo akarushaho gutekana muri ya nzu nshya yimukiyemo.

Ubundi kwishyura inguzanyo mu gihe gito bivuze ko buri kwezi wishyura amafaranga menshi, ibintu byakomeje kugaragazwa nk’ingorane, kuko bibangamira imibereho y’umuntu n’iterambere rye muri rusange, kandi umunyarwanda yaragize ati “inzu ni icyo uyiririyemo!”

Undi mwihariko kuri BPR Home Loan ni inyungu nto uwahawe iyi nguzanyo asabwa, nyuma y’uko muri Gashyantare 2019, BPR Plc yatangaje ko inyungu fatizo ku nguzanyo yagabanutseho 2%, iva kuri 16.5% ishyirwa kuri 14.5%. Ni ibintu byatumye irushaho kuba muri banki zifite inyungu nto ku nguzanyo mu Rwanda.

Iyo nyungu fatizo yubahirizwa ku nguzanyo zose, igahinduka bitewe n’impamvu zishobora kuba ibyago bijyana n’inguzanyo.

Abakeneye guhabwa iyi nguzanyo bashobora kugana amashami ya BPR Plc abegereye, bagahabwa amakuru arambuye ndetse bagatangira gusaba izi nguzanyo.

Mu gihe abantu benshi banyotewe no gutunga inzu zabo, haheruka gutangazwa ko mu Rwanda ubu hari inzu miliyoni 2.8 zo guturamo, mu gihe hakenewe inzu miliyoni 5.5 zizahaza miliyoni zisaga 22 z’abaturage bazaba bari mu Rwanda mu 2050.

Bisobanuye ko abakeneye inzu bakomeje kwiyongera, bityo bigomba kujyana n’imyubakire igezweho, ariko byose bigashingira ku kubona uburyo bufasha abantu kubasha kwiyubakira izo nzu cyangwa kuzigura igihe zuzuye.

Ni rwo rugendo BPR Plc yiyemeje guherekezamo abaturarwanda.

BPR Plc yiyemeje gufasha abaturage gutunga inzu zabo bwite

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