Ibyo usabwa ngo ubone icumbi muri ‘Bwiza Riverside Homes’
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Ibyo usabwa ngo ubone icumbi muri ‘Bwiza Riverside Homes’

NTAWITONDA JEAN CLAUDE

February 15, 2022

“Nta kundi twari kubona inzu nziza nk’izi zihendutse, ziramba, ndetse ikirenzeho zikaba zarubatswe n’ibikoresho by’iwacu. Ntekereza ko ari impurirane iruta izindi zose twabona.”

Ayo ni amagambo yagarutswho na Perezida wa Repubulika y’u Rwanda Paul Kagame mu muhango wo gutaha inyubako zigezweho zatangiye kubakwa mu mushinga “Bwiza Riverside Homes” ugamije kugeza ku Banyarwanda amacumbi ya mbere yubatswe mu buryo bw’ikoranabuhanga kandi ahendukiye ibyiciro bitandukanye mu bifite n’abafite ubushobozi buciriritse n’uburinganiye.

Minisiteri y’Ibikorwa Remezo ivuga ko ayo macumbi ari yo ya mbere ageze mu Rwanda, afungurira amahirwe buri wese yo kwibonera inzu bitamugoye, uhereye ku bakorera umushahara watumaga bagorwa no kwigondera icumbi bita iryabo, by’umwihariko mu Mujyi wa Kigali.

Uyu mushinga watangirijwe i Karama mu Karere ka Nyarugenge, witezweho kubakwamo inzu 2,200 zigabye mu byiciro bitandatu aho buri wese azajya ahitamo bigendanye n’ubushobozi  afite. Kubaka ayo macumbi bizakorwa mu byiciro bitanu, aho icyiciro cya mbere byitezwe ko kizarangirana n’uyu mwaka hamaze kuzura inzu 252.  

Uyu ni wo mushinga wa mbere uzaba uhuriza hamwe abantu bo mu ngeri zinyuranye bafite ubushobozi butandukanye ariko batuye ahantu heza, hajyanye n’igihe kandi mu nyubako zihangana n’imihindagurikire y’ibihe.

Uburyo izo nyubako zubatswemo bugamije kwimakaza ubumwe, ubwubahane n’ubushuti nka zimwe mu ndangagaciro z’Abanyarwanda, cyane ko abazigurira amacumbi Mudugudu bazaba babayeho nk’umuryango mugari udahuriye ku macumbi gusa kuko mu Mudugudu hazaba harimo ibindi bikorwa remezo bibahuza mu buzima bwa buri munsi.

Muri byo hazaba harimo ishuri ry’inshuke, ububiko rusange, santeri yagenewe inama n’amakoraniro rusange n’ubusitani bwagenewe kuruhukiramo. Hazaba hari kandi Ishuri ryigisha imyuga n’ubumenyi ngiro (ADHI TVET Academy) n’Ikigo cyigisha gukora ubwubatsi buramba bwemewe ku rwego mpuzamahanga (AISLC). Imyubakire y’aya macumbi yitezweho kugabanya ikiguzi cy’ingufu zikoreshwa kuko uburyo bwimyubakire bushobora kuzigama ingufu ku kigero cya 53%.

Ibikoresho bihubakishijwe ni ibigira uruhare mu kugabanya ibyuka bihumanya ikirere mu kurushaho gushyigikira icyerekezo cya Leta y’u Rwanda cyo kubaka ubukungu butangiza ibidukikije. Uburyo ADHI ikoresha mu kubaka ni ugutegurira ibice by’inzu mu ruganda bikagezwa ku kibanza bihita biteranywa (plug-and-play) .

Ibiciro by’icumbi bijyanye n’ubushobozi bw’umuntu

Ubuyobozi bwa ADHI Rwanda butangaza ko ibiciro by’inzu bijyanye n’ubushobozi bw’umuntu aho buri wese azaba afite amahirwe yo gutoranya icumbi rijyanye n’ubushobozi bwe.

Umuyobozi ukuriye ubucuruzi muri ADHI Rwanda Nsengiyumva Dieudonne, yabwiye itangazamakuru ko ibiciro by’icumbi rimwe biri hagati ya mliyoni 16.5 kugeza kuri miliyoni 86 z’amafaranga y’u Rwanda, umuntu yemerewe kwishyura mu byiciro mu gihe cy’imyaka 20.

Inzu zashyizwe mu cyiciro cy’izihendutse ni izigura miliyoni 16.5 z’amafaranga y’u Rwanda, miliyoni 28 z’amafaranga y’u Rwanda, miliyoni 32 z’amafaranga y’u Rwanda na miliyoni 35 z’amafaranga y’u Rwanda. Izashyizwe mu zihenze ni izifite agaciro ka miliyoni 48 z’amafaranga y’u Rwanda na miliyoni 86 z’amafaranga y’u Rwanda.

Nsengiyumva yagize ati: “Bizasaba kugenzura ko umuguzi yemerewe guhabwa ikodeshagurisha (mortgage) yiyandikisha muri Banki y’u Rwanda y’Iterambere (BRD), kugira ngo abone icyangombwa kimwemerera kwegukana icumbi. BRD ni yo izakurikirana amateka y’ushaka inzu mu kugenzura ko yujuje ibisabwa byose ngo abone ikodeshagurisha ry’imyaka 20 ku nyungu ya 11%.”

Intambwe ya kabiri izaba iyo gusura amacumbi y’icyitegererezo aho wa muguzi wamaze kwemezwa azahura n’atsinda ry’abashinzwe ubucuruzi muri ADHI bamutambagize mu nyubako zitandukanye zijyanye n’ubushobozi bw’ayo yinjiza ku kwezi. 

Nsengiyumva ati: “Hazakurikiraho intambwe yo kwemeza inzu umuguzi yahisemo ubundi basinyanye amasezerano y’uko ayifashe. Ayo masezerano yishyurwa amafaranga y’u Rwanda 75,000.” 

Nyuma yo kubona amasezerano, wa muguzi azayoborwa kuri banki bazakorana ikaba ari yo yemeza ko ahawe inguzanyo.

Nsengiyumva ati: “Inguzanyo niba imaze kwemezwa, umuguzi azasabwa kubitsa 10% ry’ubwishyu muri banki yahisemo, amafaranga akomeze agume kuri konti y’ikodeshagurisha kugeza igihe inyubako izaba imaze kuboneka. Banki ni yo izatanga ibaruwa yo kwemeza ko yafashe inzu mu buryo bwemewe.”

Intambwe ya nyuma izaba iyo kwandika umutungo ku muguzi uwujuje ibisabwa nyuma y’uko banki imaze kwemeza ko inyubako yahisemo ijyanye n’agaciro ndetse n’ibikubiye mu masezerano yagiranye na ADHI Rwanda. “[…] Nyuma y’aho Banki izasabwa gutanga 90% yishyurira wa muguzi mbere y’uko ashyikirizwa inzu ye.”

Hagati aho, ubuyobozi bwa ADHI Rwanda buvuga ko hari itandukaniro ku bazaba bifuza kugura inzu zashyizwe mu cyiciro cy’izihenze kuko bo bazaba banyura muri “Century Real Estate”, kimwe mu bigo by’ubwubatsi bikomeye bikorera mu Rwanda.

Amafaranga umuntu asabwa kwishyura ku kwezi

Bitewe n’inzu yahisemo, umuguzi azajya asabwa kwishyura amafaranga abarirwa hagati ya 30% na 50% by’umushahara we ku kwezi. Ni yo mpamvu uyu mushinga ubonwa nk’amahirwe akomeye kandi utandukanye n’indi yose yagiye ikorwa ariko ugasanga irashyira ku ruhande umubare munini w’Abanyarwanda.

Ubuyobozi bw’Ikigo cy’u Rwanda gishinzwe guteza imbere imiturire (RHA) buvuga ko uyu mushinga ufite inzu zihendutse ukurikije ipuzandengo y’amafaranga Abanyarwanda binjiza ku kwezi.

Umuyobozi Mukuru wa RHA Nshimyumuremyi Felix, avuga ko nk’umuguzi uzashima inzu ya miliyoni 16.5 Frw azasabwa kujya yishyura amafaranga y’u Rwanda 153,200 ku kwezi mu gihe cy’imyaka 20.

Ubwo buryo bwo kwishyura nibukoreshwa ku zindi nzu zihendutse, bivuze ko umuguzi azajya yishyura amafaranga 260,100 ku kwezi ku icumbi rifite agaciro ka miliyoni 28 Frw, amafaranga 297,270 ku icumbi rya miliyoni 32 Frw ndetse n’amafaranga 325,140 ku icumbi rya miliyoni 35 Frw.

Biteganyijwe ko inzu izajya isaba umuguzi amafaranga ari munsi ya ½ cy’ayo yinjiza ku kwezi kugira ngo abashe kubaho. Nshimyumuremyi avuga ko ubusanzwe Politiki y’imiturire mu Rwanda iteganya ko urugo rudakwiye gutakaza amafaranga arenze 50% ku nzu yo guturamo haba ku gukodesha cyangwa ikodeshagurisha.

Ati: “Ubusanzwe ntibigomba kurenga 30%. Kwaka inguzanyo ntibikwiye kurenza 30% kugira ngo umuryango usigarane ubushobozi bwo gukemura ibindi byangombwa bisabwa.”

Guverinoma y’u Rwanda yihaye intego yo kubaka inzu zo guturamo nibura 150,000 buri mwaka mu rwego rwo kugera ku ntego yo kubaka amacumbi miliyoni 5.5 bitarenze mu mwaka wa 2050.

Muri gahunda yo kubaka amacumbi ahendutse, Leta y’u Rwanda irashaka kwita ku miryango ifite ubushobozi buke n’ubuciriritse cyane ko uyu mushinga n’indi nka yo ifite uruhare rukomeye mu kugera ku ntego yo gutuza 35% mu mijyi bitarenze mu 2024.

Minisiteri y’Ibikorwa Remezo itangaza ko hakiri icyuho mu kugera ku mubare w’amacumbi ahendutse kandi agezweho akenewe, igasabaabahanga mu by’ubwubatsi gufatirana ayo mahirwe kuko boroherezwa mu buryo butandukanye bafashwa kugerezwa imihanda, amashanyarazi n’amazi mu macumbi bubatse ndetse bakagabanyirizwa n’imisoro ku kigero cya 15%.

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