kubara inguzanyo

Erekana umubare nigihe cyinguzanyo, igipimo cyinyungu nubwoko bwubwishyu.
Ibara rizabara umubare wubwishyu, umwenda nigiciro cyinguzanyo.

Abantu benshi kandi benshi bakoresha serivisi zinguzanyo kugirango bagure byinshi. Amabanki n’imiryango itari iy'amabanki batanga kubona inguzanyo mubihe bitandukanye. Iyo ufashe inguzanyo nini, urugero, kugura inzu, imodoka, inguzanyo yo kubaka inzu cyangwa guteza imbere ubucuruzi bwawe, ni ngombwa kumenya ko iyi nguzanyo izaba iri mububasha bwawe. Kugirango umenye neza guhitamo gahunda yinguzanyo runaka, turagusaba gukoresha ibara ryinguzanyo. Injiza umubare winguzanyo, igihe cyo kwishyura inguzanyo mumezi nigipimo cyinyungu mubice bikwiye, kimwe no kwerekana ubwoko bwubwishyu - buri mwaka cyangwa butandukanye, kandi urashobora kumenya igice cyo kwishyura inguzanyo kijya kwishyura umwenda, nikihe gice cyo kwishyura inyungu zinguzanyo, amafaranga asigaye y'umwenda w'umuntu amezi, umubare w'amafaranga yishyuwe, haba ku kwezi ndetse no mu gihe cyose cy'inguzanyo, hamwe n'inyungu nyayo ku nguzanyo.

Ubwishyu butandukanye

Hamwe nuburyo butandukanye bwo kwishyura umwenda winguzanyo, umubare winguzanyo ugabanijwemo imigabane ingana. Iyi migabane igize igice kinini cyubwishyu buri kwezi. Ibisigaye bigaragazwa ninyungu kumafaranga asigaye. Rero, ukwezi ukwezi, ingano yo kwishyura iragabanuka.
Ubu buryo bwo kwishyura inguzanyo bufite ibibi.
Icy'ingenzi ni uko bigoye kubona inguzanyo hamwe nubu buryo bwo kwishyura imyenda.
Banki igomba kubara umubare ntarengwa w'inguzanyo ukurikije niba uwagurijwe ashoboye kwishyura ibyiciro byambere. Ibi bivuze ko kugirango ubone inguzanyo nkiyi ugomba kuba winjiza cyane. Rimwe na rimwe, ingwate, gukurura abishingira cyangwa abafatanya inguzanyo barashobora gufasha.
Indi mbogamizi nuko igice cya mbere cyigihe cyo kwishyura bigoye cyane cyane uwagurijwe. Iyo bigeze ku nguzanyo nini, ibi birashobora kuba umutwaro uremereye uwagurijwe. Ariko mugihe kizaza, uku kubura kurashobora guhinduka ingeso nziza. Ifaranga no kugabanuka kw'inyungu bituma ubwishyu butaremerwa.

Amafaranga yishyurwa

Hamwe nuburyo bwa buri mwaka bwo kwishyura umwenda winguzanyo mubice bingana, ntabwo umubare wumwenda ugabanijwe gusa, ahubwo ninyungu kuriwo mugihe cyose cyinguzanyo. Rero, uwagurijwe yishyura ibice bingana mugihe cyose cyo kwishyura. Uyu munsi, ubu buryo bwo kwishyura bukoreshwa na banki nyinshi zubucuruzi. Ingaruka nyamukuru yo kwishyura buri mwaka ni uko amafaranga yishyuwe hejuru yinguzanyo azaba menshi ugereranije na sisitemu itandukanye. Byongeye kandi, sisitemu yo kwishyura ya buri mwaka ifata ko mugice cya mbere cyigihe cyinguzanyo wishyura cyane cyane inyungu ku nguzanyo. Umubare munini wimyenda yiki gihe nturakorwa.

Umwanzuro

Niba ushaka gufata inguzanyo kumafaranga menshi kandi ukaba udateganya kuyishyura imburagihe, inguzanyo ifite gahunda yo kwishyura buri mwaka irakwiriye.
Mu bindi bihe, cyane cyane kubijyanye no gutanga inguzanyo ndende, nibyiza guhitamo banki itanga inguzanyo hamwe nubwishyu butandukanye.