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Imiryango 6000 igiye kubona amacumbi binyuze mu mushinga wa miliyari zisaga 150 Frw

Yanditswe na Kanamugire Emmanuel
Kuya 4 April 2022 saa 09:13
Yasuwe :

Imiryango igera ku bihumbi 6000 igiye gufashwa kubona amacumbi aciriritse mu Mujyi wa Kigali no mu Mijyi yunganira Kigali binyuze mu nguzanyo izajya yishyurwa igihe kirekire ku nyungu ya 11% mu mushinga uzatwara arenga miliyari 150 z’amafaranga y’u Rwanda.

Ni amafaranga leta y’u Rwanda yafashe nk’inguzanyo muri Banki y’Isi kugira ngo ifashe abaturage batashoboraga guhabwa inguzanyo n’amabanki bitewe n’uko ibyo binjiza atari byinshi.

Uyu mushinga (Rwanda Housing Finance Project) ucungwa na Banki y’u Rwanda Itsura Amajyambere y’u Rwanda (BRD).Iyi banki yatangiye gushyikiriza andi mabanki ikorana na yo muri iyi gahunda akaba ari yo atanga inguzanyo ku bayikeneye kandi bujuje ibisabwa.

Arimo Banki ya Kigali, BPR na KCB byamaze kuba banki imwe, NCBA, ZIGAMA na Bank of Africa. Izindi zasabye kugirana imikoranire na BRD zirimo Umwalimu SACCO, Equity Bank na I & Bank.

Abagenerwabikorwa ni abadafite undi mutungo utimukanwa nk’inzu cyangwa ibibanza. Yishyurwa ku nyungu ya 11% mu gihe cy’imyaka 20 ku nzu itarengeje miliyoni 40 z’amafaranga y’u Rwanda. Uwemerewe iyi nguzanyo asabwa kubanza kwishyura 10% by’agaciro k’inzu ashaka kugura.

Uyu mushinga utangira mu 2019 inzu zari zemwe kugurwa ni izubatswe mu buryo bw’Umdugudu ariko ubu iyuzuje ibisabwa yubatswe ahagenewe guturwa iremewe haba mu Mujyi cyangwa mu cyaro nk’uko Emmanuel Ahabwe, umukozi wa BRD ushinzwe gahunda y’amacumbi aciriritse no gutuza abantu yabisobanuye.

Yagize ati “Ni gahunda dukangurira abantu kugira ngo bayigane kuko benshi bajyaga mu mabanki bashaka inguzanyo y’inzu yababwira igiciro bakabitinya ariko nibazigana muri iyi gahunda y’amacumbi aciriritse zizabaha kuri ayo mafaranga. Banki turafatanyije, gusa abantu bari bataramenya ayo makuru.”

Abagenewe iyi gahunda bari mu byiciro bitatu birimo abinjiza amafaranga kuva ku bihumbi 700 kugeza kuri miliyoni 1,2 Frw ku kwezi n’abinjiza hagati y’ibihumbi 200 na 700 Frw ku kwezi ari na bo bashobora guhabwa inguzanyo yo kugura inzu.

Abandi ni abinjiza munsi y’ibihumbi 200 Frw ku kwezi ariko bo bashyiriweho uburyo bw’ubukode budahindagurika ugereranyije n’uko abandi bakodesha inzu bazamura igiciro bya hato na hato cyangwa bakirukana umupangayi igihe babishakiye.

Ubwo iyi gahunda yasobanurwaga mu mpera z’icyumweru gishize, Umuhanzi w’inyubako mu Kigo cy’Igihugu cy’Imyubakire (RHA), Enock Ruziga, yavuze ko iri kugenda ishyirwamo imbaraga asaba abantu kuyitinyuka.

Uwujuje ibisabwa agana banki ikamuhuza n’umushoramari agahitamo inzu akeneye agatanga uruhare rwawe rungana na 10% yaba yubatse ukayijyamo akaba ari na bwo atangira gukatwa 90% bisigaye.

Mu kwishyura, banki ntigomba kurenza kimwe cya kabiri cy’umushahara cyangwa ibyo umuntu yinjiza kugira ngo atagira ikibazo cyo gutunga umuryango we.

Angela Mutamba, umwe mu babonye inzu binyuze muri iyi nguzanyo, yavuze ko yaruhutse umutwaro w’ubukode yari amazemo imyaka irindwi nyamara kuva mbere yarifuzaga kutabumaramo igihe kirekire.

Ati “Ntabwo natekerezaga ko nshobora kumara imyaka irindwi nkodesha. Ni cyo kintu cya mbere cyancaga intege. Maze kuyibona numvise mu mutima nduhutse, nkize bwa butumwa bwa nyirinzu bwo kwishyuza.”

Urugero rw'inzu z'umushinga 'Bwiza Riverside Homes' watangijwe ugamije guhindura uburyo bw'imiturire muri Kigali

Miringa Richard na we ari mu baguze inzu ku bufatanye na Riverside City Estate na BRD. Yavuze ko ari mu cyiciro cy’abahembwa umushahara uri hagati y’ibihumbi 200 na 700 Frw. Asanga ikibazo abantu bafite ari ukutamenya amakuru kuri iyi gahunda.

Ati “Nkimara kubona amakuru nahise ntangira gukurikiza ibyo banki zasabaga baramfasha. Inyungu ya 11% ni amafaranga make. Nkurikije uko nabibonye Abanyarwanda bakeneye kubimenya ubundi bakayoboka iyi gahunda kuko inzu umuntu akodesha buri mwaka iba irushaho kugira agaciro, nyirayo akaba ari we ubyungukiramo.”

Inzu ya miliyoni 40 gusubiza hasi ni yo iri mu cyiciro cy’iziciriritse. Iyi gahunda igamije guca akajagari mu Mujyi wa Kigali no mu Mijyi Yunganira Kigali kuko abafite ubushobozi buke ari bo bakodesha inzu ziri mu kajagari bitewe n’uko ziba zihendutse.

Ruziga yasabye abaturage kwitabira uyu mushinga kuko bizaha leta ingufu zo gukomeza kubona ko babikunze ndetse no gutanga ibitekerezo ku bikeneye kunozwa mu gukemura ikibazo cy’imiturire.

Imiryango 16 ni yo imaze guhabwa inguzanyo z’inzu muri uyu mushinga watangiye mu 2019. Hasigaye imyaka itatu ngo ayo mafaranga abe yamaze gukoreshwa.

Ibimaze gukorwa mu gufasha Abanyarwanda kubona amacumbi }

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 izindi zisigaye ziherereye mu bice bitandukanye by’Umujyi wa Kigali.

RHA igeragaza ko mu mishinga itararangira kubakwa harimo inzu zigenewe imiryango 9186 mu gihe ikiri mu nyigo irimo izigenewe imiryango 15.750. Ni mu gihe ubutaka bwagenewe kubakwaho amacumbi aciriritse burenga hegitari 360 buhereye mu Mujyi wa Kigali no muri Muhanga, Rusizi, Nyagatare, Huye na Rubavu.

Abanyamabanki n'abahuza bari mu bari batumiwe mu biganiro bigamije gusobanura umushinga wo gufasha abaturage kubona amacumbi aciriritse mu mpeera z'icyumweru gishize
Angela Mutamba, umwe mu babonye inzu binyuze muri iyi nguzanyo, yavuze ko yaruhutse umutwaro w’ubukode yari amazemo imyaka irindwi
Miringa Richard,umwe mu bamaze guhabwa inguzanyo yo kugura inzu yahamagariye abandi kwitabira iyi gahunda
Emmanuel Ahabwe, umukozi wa BRD ushinzwe gahunda y’amacumbi aciriritse no gutuza abantu asobanura iby'uyu mushinga
Umuhanzi w’inyubako mu Kigo cy’Igihugu cy’Imyubakire (RHA), Enock Ruziga, yavuze ko iri kugenda ishyirwamo imbaraga ku buryo abantu bakwiye kuyitinyuka

Amafoto: Igirubuntu Darcy


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