1.Wahabwa avansi ku mushahara (Overdraft)

Ni inguzanyo itangwa mu gihe umuntu aba atarabona umushahara kuri konti ye, yamara guhembwa bakajya bamukataho make make atarenze 50% cyangwa 1/2 cy’ayo ahembwa, akarangiza kuyishyura mu minsi mike.

Iyi nguzanyo itangwa mu minsi ibiri cyangwa itatu nyuma yo kuyisaba, ikishyurwa bitarenze amezi atatu ashobora kongerwa mu gihe habayeho ubwumvikane.

Ntabwo iyi nguzanyo umuntu ayihabwa avuga ko agiye kubaka cyangwa kuyikoresha nk’igishoro, kandi uwayihawe ntayikoreshe nta mafaranga y’ibihano acibwa.

Ni inguzanyo Banki ya Kigali itanga mu buryo bworoshye kandi bwihuse, hakabaho ubwumvikane no koroherana hagati ya Banki n’umukiriya mu gihe ayikeneye cyangwa ayishaka.

2.Inguzanyo bwite (Personal loan)

Ni inguzanyo umuntu asaba Banki bitari ngombwa kwerekana ingwate, ariko bigaterwa n’amanota afite mu kubitsa no kubikuza kuri konti ye.

Iyi nguzanyo ishingiye ku mafaranga umuntu abitsa kuri konti ye, yaba avuye ku mushahara, ku bukode bw’imitungo, kuri pansiyo cyangwa ahandi, ikishyurwa mu gihe gito cyane ugereranyije n’ubundi bwoko bw’inguzanyo.

Aya mafaranga yakoreshwa mu kugera ku ntego yose umuntu yifuza, akaba yishyurwa hongeweho inyungu itarenga 18%.

Uwasabye iyo nguzanyo aba ashobora kuyihabwa mu gihe cy’iminsi ine cyangwa itanu, akazayishyura bitarenze imyaka ine.

MENYA UMWANDITSI

Simon Kamuzinzi

Umunyamakuru

@SimonKamuzinzi

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