Baritinyutse bagana banki! Impanuro z’abo Cogebanque yafashije kubaka inzu zabo

Yanditswe na Ishimwe Israel
Kuya 26 Kanama 2020 saa 07:15
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Kagabo Egide ukorera kimwe mu bigo byo mu Mujyi wa Kigali, yakoze imibare asanga bizamufata imyaka myinshi ngo agere ku bwizigame buhagije, bwamufasha kubaka inzu y’inzozi ze.

Yigiriye inama yo kugana banki ngo imwunganire abashe kugera ku nzozi ze, zo kuba mu nzu yiyubakiye, imunyura umutima.

Kagabo yanyuze muri banki zitandukanye ariko ibyifuzo bye biza guhazwa na Cogebanque, yamufashije kubona inguzanyo yo kubaka.

Cogebanque Mortgage ni inguzanyo itangwa na Cogebanque, ifasha umukiliya wa banki kugura yuzuye, kubaka cyangwa kuvugurura inzu yo kubamo.

Mu kiganiro na IGIHE, Kagabo usanzwe ukorera umushahara w’ukwezi yagaragaje ko yanyuzwe na serivisi n’ubujyanama yahawe, ashimangira ko biri mu byamukururiye gukorana na Cogebanque.

Yagize ati ‘‘Twari tumenyereye ko kugira ngo banki iguhe inguzanyo yo kubaka inzu, uruhare rwawe ruba rungana na 25, 30 cyangwa 50%. Uyu munsi k’ufite ikibanza werekanye igishushanyo mbonera n’ibyo uzakoresha uhabwa inguzanyo.’’

Yavuze ko mu guhitamo banki umuntu akorana nayo yita cyane ku buryo bwo kwishyura inguzanyo asuzuma ko butazamubera umutwaro.

Ati ‘‘Nyuma yo gutanga dosiye yanjye, mu minsi 10 nari mfite amafaranga kuri konti natangiye ibikorwa byanjye. Nasabye imyaka icumi yo kuba narangije kwishyura inguzanyo.’’

Inguzanyo ya Cogebanque itangirwa ku nyungu iri hasi, yishyurwa kugera ku myaka 15, ishobora no kuba 20.

Kagabo yavuze ko akigera muri Cogebanque yahise yakirwa, anasurwa aho ari kubaka i Nyamata.

Ati ‘‘Ibintu byo guca ku ruhande ngo umuntu yibwirize abahe akantu, ntabyo nahabonye. Icya mbere kigorana mu zindi banki, umuntu ajya kuguha lisiti y’ibintu bikenewe ngo dosiye yakirwe, akagusiragiza. Bo uragenda bakaguha urutonde rw’ibikenewe.’’

Nshimiyimana Raymond na we yashimangiye ko yanyuzwe na serivisi ahabwa mu myaka 10 amaze akorana na Cogebanque.

Yagize ati “Umuntu akorana n’ahantu bamufashe neza, bamuha serivisi nziza uko ubishaka. Nkorana n’izindi banki ariko icyo nabonye cyiza nuko Cogebanque iha agaciro igitekerezo cyawe, ikagufasha kugikora.’’

Uyu mucuruzi ukorera ubushabitsi mu Karere ka Rwamagana yashimye ko abayobozi bamwegereye bamugira inama ku ishoramari rye.

Ati “Iyo babonye ibishobora kukurushya baragufasha, bakaguha inama. Nageze muri iyo banki nsanga batanga serivisi nziza yihuta. Bamfashije mu bucuruzi bituma ntekereza n’ibindi.’’

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Kagabo yavuze ko inguzanyo atari umutwaro ku muntu kuko imufasha kugera ku nzozi ze.

Ati ‘‘Niba ushaka kubaka inguzanyo ya miliyoni 30 Frw, bikaba byagutwara imyaka 15 kandi nabyo biragoye kubigeraho uri umukozi uhemberwa ku kwezi, kuki utajya kuyafata muri banki uyu munsi, ukaba wishyura amafaranga angana na ya yandi wari kwizigama noneho uri no mu nzu y’inzozi zawe.’’

Atanga inama y’uko abantu bakwiye kwitinyuka, bakabyaza umusaruro ibigo by’imari.

Ati “Mu Burayi hari aho usanga n’inkweto bambaye ari inguzanyo ya banki. Amahirwe banki n’ibigo by’imari bitanga tubibyaze umusaruro. Niba ufite imyaka 25, banki ikaguha inguzanyo izishyurwa mu myaka 20, uzagera muri pansiyo nta kibazo ufite, uri mu nzu y’inzozi zawe.’’

Inguzanyo itangwa harebwe ku bushobozi bwo kwishyura k’ufite amasezerano y’akazi cyangwa ufite ibikorwa bigaragaza ko yinjiza bihoraho.

Umuyobozi w’Ishami rishinzwe Abakiliya bato muri Cogebanque, Seruhungo Nsengiyumva Pierre, avuga ko banki yatekereje ku ngeri z’abayigana kugeza no ku Banyarwanda baba hanze.

Yagize ati ‘‘Abavandimwe bacu babarizwa mu mahanga tubashishikariza gushora imari mu gihugu cyabo. Abo ngabo bafite serivisi yihariye kuko hari ibiciro bisa n’aho bitandukanye gato tubaheraho ngo boroherwe no gushora imari.’’

Banki ikorana n’abakiliya barimo abanyamushahara bafite amasezerano y’akazi cyangwa n’abacuruzi bakora bakunguka bihoraho.

Ati “Umuntu ukorera umushahara kugira ngo abone amafaranga ahagije yiyubakire inzu bishobora gufata igihe. Iyo ugize amahirwe ukaba ufite umushahara uhoraho ushobora kutugana tukaguha inguzanyo yagukura mu bukode. Umuntu kandi ucuruza akunguka ariko ntashake gukora mu gishoro cye, na we yasaba inguzanyo muri banki akajya yishyura make mu nyungu.’’

Umuyobozi w’Ishami rishinzwe Abakiliya bato muri Cogebanque, Seruhungo Nsengiyumva Pierre

Cogebanque kandi iguhuza n’ibigo by’ubwubatsi bikorana nayo kandi itanga ubujyanama wifuza bujyanye n’inguzanyo.

Yakomeje ati “Iyo umuntu avuye mu bukode akajya mu nzu ye bimeze nko kwizigamira mu bundi buryo kuko ya mafaranga yishyuraga ubukode niyo yishyura inguzanyo y’inzu kandi ikaguma ari iye aho kuba mu y’abandi.’’

Mu gihe ubukungu bw’abayigana bwahungabanyijwe na COVID-19, Cogebanque yorohereje abakiliya bayo mu kwishyura bijyanye n’ubusabe bwa Banki Nkuru y’Igihugu, BNR.

Yakomeje ati ‘‘Ingaruka za COVID-19 zahungabanyije ibikorwa by’abakiliya bacu nk’aho usanga umukoresha yagiye atanga umushahara muto bitewe n’uko ubucuruzi bwe butagenda neza. Umuntu wese ufite inguzanyo watwegereye ngo tumworohereze twaramufashije kuko bafite agaciro kandi turiho kuko tubafite. Ntitwigeze tubishyuza nabi. N’ubu iyo akazi kahagaze, tukongerera igihe gihagije ngo babashe kuva muri ibyo bibazo.’’

Abakiliya bafite inguzanyo zo kubaka banafashwa guhabwa izindi zoroheje zo gukemura ibibazo byihutirwa, koroherezwa no kugerwaho na serivisi z’ikoranabuhanga.

Umukiliya udasanzwe ukorana na Cogebanque na we ashobora gusaba inguzanyo ari n’ahandi ariko nyuma yo kuyifata akajya anyuza umushahara we cyangwa inyungu yo mu bucuruzi bwe muri banki.

Inguzanyo ya Cogebanque Mortgage Loan ihabwa ufite ibikorwa bigaragaza ko yinjiza bihoraho cyangwa umukozi wasinye amasezerano y’akazi y’igihe kirekire; kuba amaze nibura amezi atatu ahembwa umushahara uhoraho; kuba ashobora gukoresha agera kuri 50% y’amafaranga yinjiza buri kwezi yishyura ibyiciro by’inguzanyo; kuba afite icyemezo kigaragaza ko nta mwenda atarishyura; kwemera gutanga inzu aguze, yubatse/avuguruye nk’ingwate kugeza igihe inguzanyo yishyuriwe yose; inzu igurwa, yubatswe/ivugururwa igomba kuba yubahirije amabwiriza y’imiturire bijyanye n’igishu

shanyo mbonera.

Cogebanque imaze imyaka isaga 20 ikorera ku butaka bw'u Rwanda aho itanga serivisi z'imari zigamije guhindura ubuzima bw'Abanyarwanda

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