Kubagurirwa na Banki

Amabanki muri rusange agura amazu mumazina abakiriya bayo hashingiwe kubintu bimwe na bimwe by umwihariko nkibi :

Dore bimwe mubyibanze wamenya mugihe ushaka/ufite inzu uzagurirwa na Banki :
AKENSHI AMABANKI ASHINGIRA KURIBI:
IBIREBANA NINZU UBWAYO YEMERWA (Igomba kuba)
  • Iri kumuhanda kumuhanda mwiza womuri karitsiye (quartier) yaba uwitaka, amabuye cg kaburimbo, kandi hinjiramo imodoka
  • Kuba irimukibanza gifite ubuso butarimunsi ya metoro kare 300,(300 m2) hashingiwe kubipimo byemewe (15×20 m)
  • Yubakishije amatafari ahiye cyangwa buroki sima (Block Sima), kandi atari rukarakara
  • Kuba irihantu (quartier) hatuwe kandi imodoka yahagera bitagoranye
  • Yubatse birangiye (yuzuye) cyangwa itarangiye ariko isakaye ( iriho igisenge)
IBIREBANA NIBICIRO NO KWISHYURWA :
  • Kumenya kw’igiciro yumvikana na nyirumutungo kitagamba kujyahejuru yagaciro kinzu kagaragazwa(rapport ya expertise) n umugenagaciro
  • Umugenagaciro uzanwa gukora igenagaciro ryinzu nuwemewe (ukorana) na banki ukugurira iyonzu
  • Akenshi abagenagaciro baba bakona namabanki ariko bishyurwa n’umukirira kuruhande (ntibishyurwa nabanki)
  • Nyirumutungo asabwa kubayumva neza (asobanukiwe ukobigenda) kandi yemera gukorana na banki igurira umukiriya we
  • Igurwa ryinzu ryemeza neza n’ibaruwa (Acceptance letter) yabanki ihabwa nyirumutungo nyuma isurwa, n igenagaciro biba byakozwe mbere
  • Umukiriya ugurirwa inzu na banki agomba kubazineza ko banki itishyura ibijyanye komisiyo (commission) yabayimurangiye
IBINDI BYINGENZI MWABANZA KUMENYA NEZA
  • Umukiriya asabwa kumenya neza niba nyirumutungo afite ibyangombwa byose kandi ntabindi bibazo afitanye imiryango ye cyangwa bishingiye kuzindi mpamvu (imyenda, imanza, n ibindi) zatuma atagurisha
  • Irangamimerere ryanyirumutungo rigomba kuba rifite icyangobwa kemewe amategeko kirihamya
  • Mugihe nyirumutungo afite umwenda muyindi banki nibyiza k’ ugura yabanza kumenya neza banki ugurisha afitemo uwomwenda, nuko ukungana, maze akabanza kubaza banki izamugurira (ushinzwe ibijyanye n inguzanyo). Aha bivuze k ubugure buzakunda bitewe n imikoranire y amabanki yombi.
  • Birashoboka ko hashobora gukorwa igenagaciro (expertise) inshuro ebyiri (2) kumpamvu zinyuranye
  • Sibyiza kubanza guha amafaranga make nyirumutungo mugihe banki itaremeza neza kw izakugurira uwomutungo
  • uwaguriwe inzu na banki agomba kujya kwandikisha umwenda muri Rwanda Development Board (RDB)

1 Ugurirwa inzu abanza kuganira nabanki bakorana:  yamara kwemererwa (na banki) akabwirwa urugero rw inzu yagurirwa ibiciro itajya hejuru bitewe n ubushobozi bwe, agahabwa uburenganzira bwo gutangira kuyishaka

2 Gushakisha inzu ushaka (hagendewe kubyemerwa nabanki ukorana nayo) nokumvikana na nyirayo

3. Gusubira kuri banki kubamenyesha ko wabonye inzu

4. Kwemererwa na Banki no gusubinayo n’umugenagaciro (akahareba agafata ibipimo n andi makuru amufasha mwigenagaciro ryinzu)

5 Gukora igenagaciro k umutungo no kuritanga muri banki kugirango bakore amasesengura (kandi umugenagaciro ashobora kutanga inama akurikije igiciro wumvikanye na nyirayo nigenagaciro yayikozeho) 

6. Kwemererwa cg guhakanirwa na banki; akenshi bikurikirwa nogusura umutungo kw abakozi ba banki (hashobora nogusubirwamo igenagaciro, gusaba kw igiciro cy umutungo cyakaturwaho gato n ibindi..,.,)

7. Guhabwa ibaruwa (Acceptance letter) na banki yemeza igurwa ry umutungo mwizina ry umukiriya  

Ibaruwa (Acceptance letter): Ihamya ko banki yemeye kwishyura, igisigaye arugukora ihinduramutungo (mutation- kwa noteri)

8. Gusaba nyirumutungo ko hakorwa ihinduranya mutungo (mutation) mbere gato yuko banki ishyira amafaranga kuri konti.

9. Nyama (ya mutation) uwaguriwe inzu na banki agomba kujya kwandikisha umwenda muri Rwanda Development Board (RDB) byihuse. Ntibireba uwagurishije kandi abayamaze kwishyurwa

Ibi bishobora gukorwa mugihe gito cyangwa kinini akenshi bitewe numukiriya na banki akorana nayo bishobora kandi guterwa n ugurisha mugihe atakoze cg atatanze ibyasabwa kugihe (akenshi bimara hagati y ‘iminsi 20 na 30)