Ekibaro kya Loan

Shoboorora omuhendo n‘obwire bw‘okugura, amagoba n‘omuringo gw‘okushashura.
Ekibaro nikiija kubara omuhendo gw’esente ezirikushashurwa, eibanja n’omuhendo gw’eibanja.

Abantu nibeyongyera kukoresa obuheereza bw’okuguza ebintu kugura ebintu bingi. Banka n’ebitongore ebitari bya banka nibiha sente z’okugura ebintu aha mbeera zitari zimwe na zimwe. Waba nokora loan mpango nk’okugura omuzigo, emotoka, loan y’okwombeka enju nari okutunguura bizinesi yaawe, ni kikuru kumanya ngu noija kubaasa loan egi. Okubaasa kugira obumanzi omu kutoorana puroguraamu y’okugura ebintu emwe, nitukushaba ngu okozese ekibaro kyaitu ky’okugura ebintu. Tamu omuhendo gw‘eibanja, obwire bw‘okugaruza eibanja omu myezi n‘omuhendo gw‘amagoba omu myanya ehikire, kandi oyorekye n‘omuringo gw‘okusashuura - buri mwaka nari okutaanisa, kandi noobaasa kumanya ekicweka ky‘okusashuura eibanja ekirikuza kugaruza eibanja, . kandi n’ekicweka ki ekirikuza kushashura amagoba g’eibanja, esente ezisigaire aha ibanja ryawe buri kwezi, omuhendo gw’okushashura okurengire, buri kwezi n’obwire bwona obu waagura, n’amagoba gaabuzima agarikushashurwa.

Embashuura ezitarikushushana

Omu muringo gw‘okutaana gw‘okugaruza eibanja ry‘okugura, omuhendo gw‘okugura nigubaganisibwamu emigabo erikwingana. Emigabo egi niyo erikukora esente nyingi ezi orikushashura buri kwezi. Ekisigaireho nikijwekyera amagoba aha sente ezisigaireyo ezitakashashuriirwe. N’ahabw’ekyo, buri kwezi esente ezirikushashurwa nizikyendeera.
Omuringo ogu gw’okugaruza esente ezi waagura gwine ebizibu.
Ekikuru n’okugira ngu eibanja eriine omuringo ogu gw’okugaruza amabanja niriguma kutunga.
Banka eine kubara omuhendo gw’esente ezirikukirayo obuhango kurugiirira aha ku orikugura yaabaasa kushashura ebicweka by’okubanza. Eki nikimanyisa ngu okutunga loan nk’egyo oine kuba oine esente nyingi ezirikuhikaana. Omu mbeera ezimwe, omusingo nari okwejumba kw‘abarikuhamya nari abarikuguragana nabo nikibaasa kuhwera.
Ekindi ekizibu n‘okugira ngu ekicweka ky‘okubanza ky‘obwire bw‘okugaruza sente nikiguma munonga aha muntu orikweguza. Twaba nitugamba aha nshaho mpango, eki nikibaasa kuba omugugu muhango aha muntu orikweguza. Kwonka omu biro by’omumaisho oburemeezi obu nibubaasa kuhinduka oburungi. Okutunguuka kw’eby’esente n’okugwa kw’amagoba nibireetera okushashura kukye kandi kukye.

Okushashura buri mwaka

Omu muringo gw’okugaruza eibanja buri mwaka, ti muhendo gw’eibanja gwonka ogurikubaganisibwamu ebicweka ebirikwingana, kureka n’amagoba agarikugarurwaho omu bwire bwona obu eibanja ririkuba riri. Nahabwekyo, orikweguza nashashura ebicweka birikwingana omu bwire bwona obu arikushashura. Obunaku obu, omuringo ogu gw’okushashura nigukoresibwa banka nyingi ez’eby’obushuubuzi. Ekizibu ekikuru eky‘okushashura buri mwaka n‘okugira ngu omuhendo gw‘okushashura okurengire aha nshaho nigwija kuba guri ahaiguru kukira aha nkora y‘okutaanisa. Okwongyera ahari ekyo, enkora y‘okushashura buri mwaka neeteekateeka ngu omu kicweka ky‘okubanza ky‘obwire bw‘okugura ebintu nooshashura munonga amagoba g‘okugura ebintu. Omuhendo mukuru gw’eibanja ry’obwire obu niguguma haihi gutakwatsirweho.

Empendera

Waaba nooyenda kugura eibanja ry’esente nyingi kandi otaine ntebeekanisa y’okurigaruza obwire butakahikire, eibanja eriine enkora y’okurishashura buri mwaka nirikushemeza.
Omu bindi, namunonga kyaba nikikwata aha kuguza abantu kumara obwire buraingwa, nikiba kiri kirungi kutoorana banka erikuhereza sente n’okuzishashura omu miringo etarikushushana.