Muri Kanama 2024 ni bwo iteka rishya rigena imikorere y’ibimina ryasohotse, ribishyira mu maboko ya Minisititeri y’Imari n’Igenamigambi ngo yite ku iterambere ryabyo.

Iri teka riteganya ko ibimina bikimara kwiyandikisha ku Murenge bihita bigira ubuzima gatozi, bitandukanye n’imikorere ya mbere byahoranye aho abantu bagenderaga ku bwizerane gusa.

Umuyobozi Mukuru ushinzwe amabanki n’ibigo by’imari bitari amabanki muri Minecofin, Hategekimana Cyllile ubwo yari mu kiganiro Kubaza bitera Kumenya kuri uyu wa 1 Nzeri 2024 yagaragaje ko amategeko yashyizweho agenga ibimina agamije gukumira abashaka kwambura ibyo bibaha.

Ati “Iri teka n’itegeko byaje kugira ngo bishobore gukurikirana abantu bashobora kwambura ikimina, umuntu wambuye ikimina, nubwo wenda tuvuga ko inguzanyo zitishyurwa ari nkeya cyane ariko zishobora kubamo. Umuntu ashobora gukurikiranwa mu rwego rw’amategeko kuko ikimina gifite ubuzima gatozi n’uwo ikimina cyaba cyambuye na cyo cyakurikiranwa.”

Yongeyeho ko “Umuntu uzambura ikimina ni nk’uko wakwambura banki cyangwa undi muntu uwo ari we wese kuko uzakurikiranwa ku buryo ayo mafaranga y’abanyamuryango bari kumwe agomba kugaruzwa.”

Yahamije ko amafaranga atishyurwa mu bimina atarenze 1% “ariko turashaka ko n’ayo zeru n’ibice bivaho bagakora neza, tukirinda ko hazamo imbogamizi kuko birafasha mu buryo bwo kwizigamira kandi ni yo gahunda dufite yo kongera ubwizigame mu gihugu, biradufasha kugira ngo abantu bamenye gukoresha inguzanyo uhereye muri ya mafaranga abantu bahana, ibimina biradufasha kugira ngo Abanyarwanda bose bakoreshe serivisi z’imari.”

Yahamije ko umuntu n’iyo yakwambura ikimina kimwe akava mu karere kamwe akajya mu kandi bitabuza kumukurikirana kuko aho afatiwe aba agomba kwishyura ibyo yambuye.

Hategekimana yavuze ko iyi ntambwe yo gusaba inguzanyo mu bimina ifungurira ababigize kwegera amabanki bagasaba inguzanyo nini badashobora kuhabona.

Ubushakashatsi bwa FinScope 2024 bwagaragaje ko 60% by’Abanyarwanda bakuru bizigamira bakoresheje uburyo butanditse burimo n’ibimina.

Umuyobozi w’agashami gashinzwe ibigo bitanga inguzanyo bitakira amafaranga abitswa muri Banki Nkuru y’u Rwanda, Rwagasana James yavuze ko mu mushakashatsi bakoze basanze ibimina bifite ingorane zirimo ibibazo by’imiyoborere n’ubumenyi ku micungire y’imari yabyo.

Ubushakashatsi bwakozwe binyuze mu rubuga BNR yashyizeho rukusanya amakuru yerekeye ibimina bwerekanye ko mu gihugu hose hari ibimina bikabakaba ibihumbi 60.

Imibare igaragaza ko mu 2021 ibimina byabarizwagamo abarenga miliyoni ebyiri bizigamiye hafi miliyari 49 Frw, aho abarenga 70% ari abagore.

Minecofin iteganya ko mu gihe ibimina bizaba bimaze kwiyandikisha hazarebwa ubushobozi bwabyo n’ababirimo bityo bashobore kongererwa ubushobozi bahereye ku bayobozi babyo.

Ibimina bifasha Abanyarwanda kugira umuco wo kwizigamira no gukoresha neza inguzanyo