Igiharuro c'inguzanyo

Sobanura umubare n’igihe inguzanyo izomara, inyungu n’ubwoko bw’amahera azokwishurwa.
Ico gikoresho kizoharura amahera azokwishurwa, umwenda n’igiciro c’inguzanyo.

Abantu benshi cane bariko barakoresha ubuhinga bwo kuguriza kugira ngo bagure ibintu vyinshi. Amabanki n’amashirahamwe atari ay’amabanki atanga inguzanyo ku buryo butandukanye. Iyo ufashe inguzanyo nini nk’akarorero yo kugura inzu, imodoka, inguzanyo yo kwubaka inzu canke guteza imbere ubucuruzi bwawe, birahambaye kumenya ko uzoshobora kwishura iyo ngurane. Kugira ngo ushobore kwizigira mu guhitamwo porogarama y’inguzanyo kanaka, turagusavye gukoresha igiharuro cacu c’inguzanyo. Injira umubare w’inguzanyo, igihe co kwishura inguzanyo mu mezi n’inyungu mu bibanza bikwiye, kandi werekane ubwoko bw’amahera yishurwa - umwaka canke atandukanye, maze ushobore kumenya igice c’amahera yishurwa kija kwishura umwenda, kandi ni igice ikihe kija kwishura inyungu y’inguzanyo, amahera asigaye y’umwenda wawe ku kwezi, ingene wishuye birenze urugero, ku kwezi no mu kiringo cose c’inguzanyo, n’inyungu nyayo y’inguzanyo.

Ukwishyura gutandukanye

Hakoreshejwe uburyo butandukanye bwo kwishura umwenda w’inguzanyo, amahera y’inguzanyo agabanywamwo imigabane ingana. Ivyo bice ni vyo bigize igice kinini c’amahera wishyura buri kwezi. Ibisigaye bigereranya inyungu ku giciro c’inguzanyo kitarishwe. Gutyo, ukwezi ku kwezi amahera yishurwa aragabanuka.
Ubwo buryo bwo kwishura inguzanyo burafise ingorane.
Igihambaye ni uko inguzanyo ifise ubwo buryo bwo kwishura umwenda igora cane kuronka.
Banki itegerezwa kubara amahera menshi cane y’inguzanyo ishingiye ku kuba uwugurisha ashobora kwishura ibice vya mbere. Ivyo bisigura ko kugira uronke iyo ngurane ukeneye kuba ufise amahera menshi cane. Mu bihe bimwebimwe, ingwati canke ukugira uruhara kw’abaguzi canke abaguzi kumwe birashobora gufasha.
Ikindi kibazo ni uko igice ca mbere c’igihe co kwishura kigora canecane uwuguze. Nimba turiko turavuga inguzanyo nini, ivyo birashobora kuba umuzigo uremereye ku ngurane. Ariko muri kazoza iyo ngorane irashobora guhinduka akarusho. Inyungu n’inyungu zigabanuka bituma ivyo kwishura bigabanuka.

Ivyishyurwa vy'umwaka

Mu buryo bwo kwishura inguzanyo ku mwaka, nta n’amahera y’umwenda agabanywamwo ibice bingana gusa, ariko kandi n’inyungu ziri kuri wo mu kiringo cose c’inguzanyo. Gutyo, uwugurizwa ariha ibice bingana mu kiringo cose co kwishura. Muri iki gihe, ubwo buryo bwo kwishura burakoreshwa n’amabanki menshi y’ubudandaji. Intambamyi nyamukuru y’ukwishura umwaka ni uko amahera yo kwishura birenze urugero ku ngurane azoba menshi kuruta iyo umuntu akoresheje uburyo butandukanye. Ikindi, uburyo bwo kwishura umwaka bufata ko mu gice ca mbere c’inguzanyo uriha ahanini inyungu ku ngurane. Igitigiri nyamukuru c’imyenda y’ico kiringo kiguma hafi ata co gikozeko.

Iciyumviro

Niba ushaka gufata inguzanyo y’amahera menshi kandi udategura kuyishura imbere y’igihe, inguzanyo ifise uburyo bwo kwishura umwaka wose iragubereye.
Mu bindi bihe cane cane iyo ari ugutanga inguzanyo z’igihe kirekire, ni vyiza guhitamwo banki itanga inguzanyo zitandukanye.