Inzu ifite agaciro gakomeye mu buzima bwa muntu, hambere yafatwaga nk’umutungo utuma nyirawo agira ahantu yitirirwa ariko ubu ushobora kubyazwa umusaruro no mu bundi buryo.

Mu gihe Isi igezemo bigendanye n’iterambere rya serivisi z’imari, inzu ntigifatwa nk’ahantu ho kuba cyangwa irage ku rubyaro rwa nyirayo, ni isoko y’ishoramari rishobora kubyazwa inyungu.

Uburyo inzu ishobora kubyarira inyungu nyirayo buragutse ariko muri iyi nkuru turibanda ku kuyifashisha nk’ingwate ukabona inguzanyo yagufasha mu ishoramari ryawe.

Muri uyu mujyo ni ho Cogebanque nka Banki Nyarwanda y’Ubucuruzi yateye iya mbere mu gufasha abayigana kubyaza umusaruro inzu zabo ibinyujije mu nguzanyo yise ‘‘Home Equity Release’’.

Iyi nguzanyo iha amahirwe ufite inzu kuba yayifashisha nk’ingwate akaba yabona inguzanyo yamufasha kubaka indi cyangwa gukora irindi shoramari nk’ubucuruzi, ubuhinzi, ubworozi bwa kijyambere cyangwa gukemura ibibazo byihutirwa nko kwivuza, kwishyura ishuri n’ibindi.

‘‘Home Equity Release’’ ifite umwihariko kuko itangwa mu gihe gito iyo uyisaba yujuje ibisabwa kandi inyungu yayo ibarirwa hasi cyane.

Ababyaje umusaruro iyi nguzanyo bishimiye uko boroherejwe kuyibona bituma biteza imbere.

Umwe mu bakiliya utuye mu Mujyi wa Kigali wakoresheje iyi nguzanyo yabwiye IGIHE ko yamufashije kugera ku ntego ze zo gutunga inzu ya kabiri bimworoheye.

Ati “Nari mfite inzu ariko nshaka kubaka indi. Ubusanzwe ni umushinga wari kumara igihe kirekire kugira ngo nyuzuze kubera ko bisaba ubushobozi bw’amafaranga. Nyuma yo kwegera banki byaroroshye kuko yamfashije kubona amafaranga ntanze ingwate ku nzu yanjye, biranyorohera.’’

Yavuze ko icyiza cy’iyi nguzanyo ari uko yamufashije kubona amafaranga icyarimwe agahita agura ibikoresho byose n’imirimo yo kubaka ikihuta.

Umuyobozi ushinzwe Ibikorwa by’Ubucuruzi mu mashami ya Cogebanque, Seruhungo Nsengiyumva Pierre, yabwiye IGIHE ko Home Equity Release ari inguzanyo y’igihe kiringaniye kugeza ku kirekire yagenewe ukeneye gukemura ibikenewe ku giti cye cyangwa se uwifuza gushora imari.

Yakomeje ati “Yagenewe abasanzwe bafite inguzanyo y’inzu batangiye kwishyura, abafite inguzanyo barangije kwishyura n’abafite inzu isanzwe yo guturamo.’’

Home Equity Release itangwa hagenwe agaciro kishyuwe ku nzu cyangwa hashingiwe ku gaciro k’inzu ku isoko bityo bigatuma uyisabye abona amafaranga ashyigikira intego ze mu by’imari.

Seruhungo yavuze ko inyungu ziri muri iyi nguzanyo zirimo ko itekanye kandi itangwa ku nyungu nto.

Ati “Igihe cyo kwishyura inguzanyo gishobora kugabanuka bisabwe n’umukiliya. Nta kiguzi gicibwa igihe wishyuye mbere kandi kongera inguzanyo birashoboka.’’

Home Equity Release ni inguzanyo yishyurwa mu gihe kigera ku myaka 10 ndetse uwayisabye anahabwa ubujyanama ku bijyanye n’ishoramari yifuza gukora.

Uwifuza iyi nguzanyo yitwaza urwandiko rw’amezi atatu rugaragaza amafaranga yinjiza buri kwezi nk’umushahara, ubukode cyangwa ay’izabukuru (pansiyo).

Umukiliya wifuza iyi nguzanyo ayibona asuye Ishami rya Cogebanque cyangwa agahamagara kuri 5050 agahabwa ibisobanuro birambuye.

Kuva Cogebanque yakwemererwa na Banki Nkuru y’u Rwanda gukorera mu gihugu mu 1999, imaze kugira amashami 28 hirya no hino ayifasha kugeza serivisi ku bayigana.

Ifite ATM 36, aba-agents basaga 600 bayifasha gutanga serivisi zo gufunguza konti, kubitsa no kubikuza zirimo n’izifashisha ikoranabuhanga binyuze muri Murandasi Banking, Mobile Banking (*505# cyangwa Coge mBank), SchoolGEAR, ikarita Smart cash, ikarita ya SafariBus ndetse n’amakarita ya MasterCard (Debit, Credit na Prepaid) afasha abayakoresha kwishyura no kubikuza ahantu harenga miliyoni 36 ku Isi yose.