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Inguzanyo z'umuntu ku giti cye
Inguzanyo y'umuntu ku giti cye nta ngwate
Inguzanyo zacu bwite zidafite ingwate zigufasha gucyemura ibyo ukeneye vuba tudatanze ingwate ku mutungo uwo ari wo wose.
Kuva ku guhuriza hamwe imyenda kugeza ku kwishyura amafaranga y'ubuvuzi cyangwa kwishyura amafaranga menshi, inguzanyo zacu zigufasha guhangana n'ibibazo by'ubukungu mu buzima mu buryo bworoshye.
Ibyiza:
- Nta ngwate isabwa: Shaka amafaranga ukeneye udashyize mu kaga umutungo wawe, bigatuma inzira yo kuguriza yoroha kandi yihuta.
- Kubona byihuse kandi byoroshye: Ishimire uburyo bworoshye bwo gusaba no kwemeza, urebe neza ko ubona amafaranga ukeneye igihe uyakeneye.
- Amategeko yo Kwishyura Yoroshye: Hitamo uburyo butandukanye bwo kwishyura bujyanye n'uko imari yawe ihagaze, bigufasha gucunga neza ingengo y'imari yawe ya buri kwezi.
- Gukoresha mu buryo butandukanye: Koresha inguzanyo mu bintu bitandukanye, kuva ku burezi no kunoza urugo kugeza ku bibazo byihutirwa by'ingendo n'ubuvuzi.
Ibisabwa kugira ngo ubone inguzanyo
- Ifishi yo gusaba yasinyweho (Iraboneka ku mashami yacu)
- Ifishi yo gutanga amakuru y'ingenzi (Iraboneka ku mashami yacu)
- Amasezerano y'akazi (ahoraho cyangwa asigaye akubiyemo igihe cy'inguzanyo)
- Impapuro z'umushahara ziherutse gushyirwaho kashe mu mezi 3 yikurikiranya
- Icyemezo cy'akazi n'umushahara biherutse
- Raporo ya banki ifite kashe nibura mu mezi 6 ashize (Niba atari banki natwe)
- Kopi y'indangamuntu y'igihugu ku munyarwanda, pasiporo iriho uruhushya rwo gukorera rwemewe ku banyamahanga
- Irangamimerere: Icyemezo cy'ubukwe cyangwa icyemezo cy'uko uri ingaragu
- Kopi y'indangamuntu y'Umwishingizi ku Munyarwanda, cyangwa Pasiporo ku banyamahanga (niba bikenewe)
- Ingwate y'imigabane (Ingwate y'umuntu ku giti cye) y'uwo bashakanye niba uwagurijwe yarashakanye
- Inyandiko y'isezerano yashyizweho umukono kandi iriho umukono wa noteri
- Ishingano ry'Umukoresha, ryashyizweho umukono kandi rishyirwaho kashe
- Raporo za CRB ku muntu uguze n'uwishingiwe
Amafaranga y'inyongera ku mafaranga akoreshwa
Serivisi yacu yo kwishyura amafaranga menshi ku giti cyawe irakubereye niba ushaka inguzanyo yoroshye kandi ihita igufasha kubikuza amafaranga menshi ku buryo bworoshye nta gihano.
Ibiranga
- Kugira ngo umukiriya yemererwe kwishyura, umushahara we ugomba kunyuzwa muri banki. Niba atari ko bimeze, hagomba kuba hari ingwate y'amafaranga y'inyongera ku mushahara.
- Kugira ngo umuntu yemererwe kwishyura amafaranga y’inyongera (overdraft), agomba kumara umwaka umwe ntarengwa muri banki muri NCBA.
- Amafaranga y'inyongera aboneka mu mafaranga y'u Rwanda (RWF).
Inyungu yishyuzwa ni nibura 5.000 RWF na ntarengwa 2% ku mafaranga yakuwemo iyo inyungu irenze 5.000 RWF.
Impapuro z'agaciro zitari zifite ingwate
Ku mirimo y'ubwubatsi cyangwa imishinga ifite inzira zisa. Menya neza ko ba rwiyemezamirimo bawe bubahiriza amasezerano y'ipiganwa kandi bagakora akazi kabo binyuze mu mpapuro mvunjwafaranga zidafite ingwate za NCBA Bank. Impapuro mvunjwafaranga zacu zizaha uwahawe inguzanyo ingwate cyangwa indishyi mu gihe:
- Upiganwa akuraho icyo yaguze mbere y'itariki ntarengwa.
- Uwatanze isoko yanze gusinya amasezerano nyuma yo kuyahabwa.
- Ingwate y'ipiganwa ntisimbuzwa ingwate y'imikorere nyuma yo guhabwa amasezerano.
Ibiranga
- Indishyi ku mafaranga angana na miliyoni 50 z'amafaranga y'u Rwanda kuri buri nguzanyo na miliyari 2 z'amafaranga y'u Rwanda kuri buri mukiriya.
- Igihe cyo kwishyura kigera ku minsi 360 hakurikijwe amategeko agenga isoko.
Twafatanyije na porogaramu zose ukunda zo kohereza amafaranga
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