Kuri uyu wa Kabiri Tariki 3 Nyakanga 2012 mu Mujyi wa Kigali ku cyicaro gikuru cya Bank y’Ubucuruzi y’u Rwanda (BCR) habereye imurika ry’uburyo bushya buciriritse bw’inguzanyo y’inzu iyo banki yatangije, ubwo buryo buzafasha abakiliya bayo kubona amazu meza yo guturamo. Ni uburyo buciriritse ugereranyije n’ubwari busanzweho.

Iryo murika ryitabiriwe n’abantu batandukanye barimo Umuyobozi mukuru wa BCR ari we Sanjeef Amand, abayobozi b’ibigo by’abatanyabikorwa.

Ubu buryo bw’inguzanyo bwamuritswe bzafasha abakiliya kubona amazu yo guturamo ishobora kubonwa n’umukiliya wa BCR ubyifuza kandi winjiza buri kwezi amafaranga y’u Rwanda atari yakatwa (gross income), atari munsi ya miliyoni ebyiri. Havuzwe kandi ko ayo mazu azatangwamo inguzanyo afite agaciro kari hagati ya miliyoni 40 na miliyoni 55 z’Amafaranga y’u Rwanda.

Ubusanzwe uwujuje ibyo bisabwa, yagombaga kwishyura mbere 20% by’ikiguzi cy’inzu ashaka kugurizwa nk’ubwishingizi bwa BCR, ariko ubu buryo buciriritse buzamufasha kwishyura ayo 20% kuko BCR izajya imwishyurira 19%, we akishyura 1% gusa.

Uzagurizwa inzu azajya yishyura 50% by’umushahara we cyangwa ibyo yinjize mu kwezi, nyuma yo gukatwa (net salary / net income) mu gihe kingana n’imyaka 20 ishobora kongerwa biturutse ku mpamvu zitandukanye.

Iyi nguzanyo yishurwa ku nyungu ya BCR iri hagati ya 14% na 15.25%, kandi ufashe iyo nguzanyo mu byo atemerewe gukoresha inzu harimo : kuyikodesha cyangwa kugira icyo ayihinduraho mu gihe atari yarangiza kwishyura; muri make mu gihe atari yarangiza kwishyura aba yemerewe kuyituramo gusa.

Uwafashe inguzanyo aramutse ahagaritswe ku kazi, ahabwa igihe kiri hagati y’amezi ane n’atandatu, yaba atarabona ubundi buryo, akayakwa. Naho uwananirwa kuyishyura kubera izindi mbogamizi zirimo kugira inshingano nyinshi nkenerwa, akaba yakongererwa imyaka itanu, bityo akazishyura mu myaka 25.

Iyo umukiliya atabashije kurangiza ayo masezerano y’ubwishyu aba yagiranye na BCR, SORAS niyo yishyura BCR kubera ya 20% y’ubwishingizi iba yahawe rugikubita (ku mbarutso).