Mu gihe uteganya gusaba inguzanyo yo gukoresha umushinga wawe, ni ngombwa ko ugaragariza banki muzakorana umushinga ugiye gukora, ibikorwa by’umushinga wawe, intego z’umushinga, ingengo y’imari yawo, uburyo umushinga uzunguka n’uburyo uzishyura inguzanyo.
Mu nyandiko y’uyu munsi tugiye kureba ibice by’ingenzi bitagomba kubura mu nyandiko y’umushinga wo gusaba inguzanyo muri banki.
KANDA HANO TUGUFASHE GUTEGURA UMUSHINGA WAWE
1) Impamvu wahisemo gukora uwo mushinga
Muri iki gice ugaragaza ikibazo gihari cyatumye utekereza gukora umushinga kugira ngo ukemure icyo kibazo. Muri iki gice ukoresha amakuru yizewe, byanashoboka ugashyiramo imibare n’ibipimo bisobanura neza ikibazo umushinga wawe uzakemura n’impamvu wahisemo gukora uwo mushinga.
2) Intego z’umushinga
Intego z’umushinga zigaragaza ibyo umushinga ugamije n’ibyo uzibandaho kugira ngo ibyo bigerweho. Mu bisanzwe intego ziba mu buryo bubiri: Hari intego rusange igaragaza icyerekezo cy’umushinga; hakaba n’intego zihariye zigararaza mu buryo burambuye ibyo umushinga uzibandaho mu kugera kuri ya ntego rusange.
3) Ibikorwa by’umushinga
Iki gice ni ingezi cyane. Nicyo kigaragaza ibikorwa umushinga uzakora. Iki gice nicyo kigena kigatanga n’umurongo ku bikorwa by’umushinga. Iyo bishobotse kandi muri iki gice hagaragazwa ingengabihe y’uko ibyo bikorwa bizashyirwa mu bikorwa n’igihe bizakorerwa.
4) Ingengo y’imari y’umushinga
Iki gice nacyo ni ingezi mu bice bigize umushinga. Muri iki gice hagaragazwa ibikorwa by’umushinga n’ingengo y’imari izakoreshwa muri buri gikorwa. Iyo umaze kugaragaza buri gikorwa n’ingeno y’imari izakoreshwa na buri gikorwa, ukora igiteranyo kigaragaza ingengo y’imari yose y’umushinga. Muri iki gice ugaragaza kandi aho iyo ngengo y’imari izava. Ugaraza inguzanyo uzafata n’uruhare rwa nyirumushinga.
| SN | INGENGO Y’IMARI | FRW |
| 1 | INGENGO Y’IMARI YOSE | 45,000,000 |
| 2 | URUHARE RWA NYIRUMUSHINGA | 5,000,0000 |
| 3 | INGUZANYO | 40,000,000 |
5) Uburyo umushinga uzunguka
Muri iki gice ugaragariza banki uko umushinga wawe uzatanga inyungu. Mu kubigaragaza ukoresha imbonehamwe zigaragaza ibyo umushinga winjiza n’ibyo umushinga ukoresha mu gihe runaka. Inyungu ikaba ari ugufata ibyo umushinga winjiza ugakuramo ibyo ukoresha.
Urugero:
Mu kubara inyungu y’umushinga mu gihe cy’umwaka twise (N), turafata ibyo umushinga winjiza twise (Y) dukuremo ibyo umushinga ukoresha mu mwaka twise (W).
N=Y-W
N=15,000,000Frw-5,080,000Frw
N=9,920,000 Frw (ku mwaka)
Inyungu y’umushinga wacu mu gihe cy’umwaka ni 9,920,000 Frw.
6) Uburyo bwo kwishyura inguzanyo
Muri iki gice ugaragariza banki uko uteganya kwishyura inguzanyo mu gihe waba uhawe inguzanyo. N’ubwo akenshi ibi bigaragarizwa mu masezerano umuntu agirana na banki, ni byiza kubigaragaza mu mushinga.
Mu bindi bigomba kujya mu mushinga usaba inguzanyo ni ingwate y’umushinga mu gihe isabwa, akamaro k’umushinga kuri nyirumushinga no ku gihugu, uburyo bwo kwamamaza umushinga, uburyo bwo gucuruza ibicuruzwa cyangwa serivisi umushinga uzatanga n’ibindi.
KANDA HANO UBONE INYANDIKO WAGENDERAHO UTEGURA UMUSHINGA
