Amabanki muri rusange atanga inguzanyo kubakiriya bayo by’umwihariko kubagurira amazu azishyurwa mugihe kirekire. Kugirango hirindwe ingaruka mbi zateza ibibazo (Ibihombo) hashyirwaho amabwiriza agenderwaho n’abashaka izonguzanyo.
Mugihe ushaka Cg ufite inzu izagurwa na banki wamenya ko;
Inzu yemerwa isabwa kuba
- Iri kumuhanda mwiza muri karitsiye (quartier) yaba uwitaka, amabuye cg kaburimbo, habasha kwinjira imodoka
- Iri mukibanza gifite ubuso butarimunsi ya metoro kare 300, (300 m2) hashingiwe kubipimo by’ibibanza byemewe (15×20 m)
- Yubakishije amatafari ahiye, buroki sima (Block Sima), bikaba byiza atari rukarakara
- Irahantu (quartier) hatuwe, imihanda igendeka bitagoranye kumodoka
- Yubatse irangiye (yuzuye) cyangwa itarangiye ariko isakaye (Iriho igisenge)
Kubirebana nibiciro no kwishyurwa:
- Igiciro cyumvikanweho n’impande zombi ntikigomba kujyahejuru yagaciro kinzu kagaragazwa(rapport ya expertise) n’umugenagaciro
- Umugenagaciro ukora igenagaciro ryinzu nuwemewe Cg ukorana na banki izagura iyonzu (Kenshi baba bakorana namabanki ariko bishyurwa n’umukirira kuruhande rwe)
- Nibyiza ko nyirinzu abayumva neza (asobanukiwe ukobigenda) kandi yemera gukorana na banki igurira umukiriya
- Igurwa ryinzu ryemeza neza n’ibaruwa (Acceptance letter) yabanki ihabwa nyirumutungo nyuma isurwa n’igenagaciro biba byakozwe mbere
- Ugurirwa inzu na banki asabwa kumenya ko banki itishyura komisiyo (commission) yabayimurangiye
Ibindi twavuga nuko
- Iyonzu isabwa kugira ibyangombwa byose, kandi ntabindi bibazo banyirayo bafitanye n’imiryango yabo cyangwa izindi mpamvu (imyenda, imanza, n’ibindi..,) zatuma batagurisha
- Irangamimerere ryabanyirimitungo rigomba kuba rifite ibyangombwa byemewe amategeko birihamya
- Mugihe nyirumutungo afite umwenda muyindi banki nibyiza kubanza kumenya banki ugurisha afitemo uwomwenda, nuko ungana. Ugurirwa abanza kubaza banki izamugurira (ushinzwe ibijyanye n’inguzanyo). Ubwo bugure kenshi bushoboka bitewe n’imikoranire y’amabanki yombi.
- Igenagaciro (expertise) rishobora gusubirwamo Cg gukorwa inshuro yakabiri (2) kumpamvu zinyuranye
- Sibyiza guha nyirumutungo amafaranga make (avance) mugihe igurwa ry’umutungo ritaremezwa nabanki
- Uwaguriwe inzu na banki asabwa kujya kwandikisha umwenda muri Rwanda Development Board (RDB)
Uko uburyo bwo kugurirwa inzu na banki bukurikirana murirusange
1 Ugurirwa inzu abanza kubaza banki bakorana akabwirwa inzu yagurirwa ibiciro itarenza bitewe n’ubushobozi bwe, maze agahabwa uburenganzira bwogutangira kuyishaka
2 Gushakisha inzu (hagendewe kubyemerwa nabanki mukorana) nokumvikana na nyirayo
3. Gusubira muri banki kubamenyesha ko wayibonye
4. Kwemererwa na Banki no gusubiranayo n’umugenagaciro (agafata ibipimo nandi makuru amufasha gukora igenagaciro ryiyonzu)
5 Gukora igenagaciro ryinzu no kuritanga muri banki kugirango bakore amasesengura (umugenagaciro ashobora kutanga inama akurikije igiciro cyemeranyijweho nigenagaciro yakoze)
6. Kwemererwa cg guhakanirwa na banki; akenshi bikurikirwa nogusura umutungo kubakozi ba banki (hashobora nogusubirwamo igenagaciro, gusaba kw’igiciro cy’inzu cyakaturwaho n’ibindi…, )
7. Banki itanga ibaruwa (Acceptance letter) yemeza igurwa ry’umutungo mwizina ry’umukiriya
Nyuma yoguhabwa Ibaruwa (Acceptance letter): Ihamya ko banki yemeye kwishyura inzu. Nyirayo asabwa ko hakorwa ihinduranyamutungo (mutation) mbere gato yuko banki ishyira amafaranga kuri konti ye
Nyama (ya mutation) uwaguriwe inzu na banki agomba kujya kwandikisha umwenda muri Rwanda Development Board (RDB) bidatinze.
Ibi bishobora gukorwa mugihe gito cyangwa kinini akenshi bitewe numukiriya na banki akorana nayo, Cg n’ugurisha mugihe atatanze/atakoze ibyasabwa kugihe (akenshi bimara hagati y’iminsi 20 na 30)
Kubindi Mwatwandikira hano: