Umusanzu wa Cogebanque mu korohereza Abanyarwanda kugira icumbi

Yanditswe na Ishimwe Israel
Kuya 5 Kamena 2019 saa 07:16
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Cogebanque Plc imaze imyaka 20 itanga serivisi za banki mu Rwanda aho yahinduye ubuzima bw’abayigana binyuze mu kubafasha kubona no gukoresha serivisi zitandukanye z’imari.

Cogebanque nka Banki Nyarwanda itanga serivisi mpuzamahanga, yagiye yaguka buri mwaka bituma inashyira imbaraga zayo muri serivisi zigamije guhindura imibereho myiza y’abaturagihugu.

Abakiliya bayigana bafashijwe gufunguza konti, kubitsa, kohereza no kubikuza amafaranga yabo kandi mu mutekano usesuye.

Usibye izo serivisi kandi Cogebanque yanorohereje abayigana kubona inguzanyo zibafasha mu mishinga itandukanye igamije kubateza imbere.

Mu mishinga myinshi buri wese yifuza kugeraho harimo uwo kugira gakondo ye, ubutaka yitirirwa, aho yubaka icumbi ry’inzozi ze.

Guverinoma y’u Rwanda yashyize imbaraga mu gufasha Abanyarwanda by’umwihariko abafite amikoro make kubona inzu ziciriritse zo guturamo.

Muri Gahunda yayo y’imyaka irindwi (2017-2024) izwi nka NST1, yashyize imbaraga mu gutuza neza Abanyarwanda aho imiryango 205 488 izavanwa mu tujagari mu gihe igera ku 10 209 izakurwa mu manegeka.

Cogebanque mu gutanga umusanzu wayo muri iyo gahunda, yorohereje abayigana kubona inguzanyo iri ku nyungu iciriritse mu kubafasha kugera gutunga inzu zabo.

Iyi nguzanyo ihabwa abafite imishinga yo kugura no kuvugurura inyubako zabo; itangwa mu minsi mike mu gihe uyisaba yujuje ibisabwa.

Cogebanque yubatse uburyo buzafasha mu guhuza uwatse inguzanyo n’ibigo by’ubwubatsi bikorana na yo. Abakiliya bamaze imyaka ibiri ikurikirana bishyura inguzanyo ku gihe, bashobora gusaba indi bashingiye ku yo bahawe mbere. Umukiliya abona amahirwe yo guhabwa Credit Card ya Cogebanque, imwemerera kwishyura ayakoreshejwe mu minsi 55.

Ibyo wamenya ku nguzanyo ‘Cogebanque Mortgage’

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

Ni inguzanyo ihabwa umukozi wasinye amasezerano y’akazi y’igihe kirekire; kuba amaze nibura amezi atatu ahembwa umushahara uhoraho; kuba ashobora gukoresha agera kuri 50% y’umushahara we buri kwezi yishyura ibyiciro by’inguzanyo; kuba afite icyemezo kigaragaza ko nta mwenda atarishyura; kwemera gutanga inzu aguze/avuguruye nk’ingwate kugeza igihe inguzanyo yishyuriwe yose; mu gihe abasaba inguzanyo ari abashakanye, imishahara yabo bombi igomba kunyura kuri konti bahuriyeho iri muri Cogebanque; inzu igurwa/ivugururwa igomba kuba yubahirije amabwiriza y’imiturire bijyanye n’igishushanyo mbonera.

Cogebanque yanagennye uburyo bwo kwishyura inguzanyo itangirwa ku nyungu ya 16% ku mwaka. Inguzanyo yishyurwa hagati y’imyaka 5-15, ishobora no kugera ku myaka 20.

Mu gihe usaba inguzanyo ashaka kubaka inzu, ayisaba mu gihe inzu yamaze kuzura. Inzu igiye kugurwa cyangwa kuvugururwa niyo ifatwa nk’ingwate.

Mu bigenderwaho mu gutanga inguzanyo ni uko inzu iba ifite ubwishingizi ngo inyungu za banki n’izuhabwa inguzanyo zibe zitekanye. Ibi bijyana n’ubwishyu fatizo ku waka inguzanyo buba buri hagati ya 10% na 20%.

Iyo nta bwishyu fatizo afite kandi iyo nzu ariyo ye ya mbere, butangwa n’ikigo cy’ubwishingizi gikorana na banki, uwaka inguzanyo akishyura amafaranga y’ubwishingizi gusa. Iyo usaba inguzanyo atari inzu ye ya mbere yo guturamo, asabwa gutanga ubwishyu fatizo bwa 20%.

Ibyiciro by’inguzanyo byishyurwa ku kwezi ntibishobora kurenga 50% ku mushahara w’uwayisabye ariko ku bashakanye harebwa umushahara mbumbe wa bombi.

Mu gihe uwatse inguzanyo yifuje kuyishyura yose mbere y’igihe yavuganye na banki, nta yandi mafaranga asabwa gutanga ahubwo abimenyesha nibura mbere y’amezi atatu ngo yishyure.

Inyigo yo mu 2012 yakozwe na Sosiyete ya Planet Consortium yagaragaje mu Mujyi wa Kigali hari hakenewe inzu zo guturamo 31 279 ariko hakubakwa 1000 buri mwaka.

Icyerekezo cya Guverinoma ni uko muri Kigali hubakwa inzu nshya zo guturamo ibihumbi 310 hagati ya 2017-2032, aho inzu ibihumbi 270 zigomba kubakwa bitarenze 2024.

Banki Nyarwanda itanga serivisi mpuzamahanga, Cogebanque, yorohereje abayigana kubona inguzanyo zibafasha kugira icumbi ryo guturamo

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