Loan Security Requirements

• Kwishyura amafaranga 7800Frw kuri konti ya Noteri iri muri ZIGAMA CSS yifashishwa mu gutegura amasezerano y’iguriza (Loan Contract)
• Kwishyura amafaranga 3900Frw kuri konti ya Noteri iri muri ZIGAMA CSS idufasha gutegura AOMA(Abstract Of Mortgage Agreement) kugirango twandikishe ingwate muri RDB.
• Kwishyura amafaranga 20 000Frw kuri konti ya RDB iri muri ZIGAMA CSS kugirango handikishwe ingwate mu bitabo by’umwanditsi mukuru muri RDB.
• NB: aha ni ukwandikisha ingwate bwa mbere.
• Kwishyura amafaranga 10 000Frw kuri konti ya RDB iri muri ZIGAMA CSS kugirango handikishwe ingwate mu bitabo by’umwanditsi mukuru muri RDB mu gihe ingwate isanzwe yandikishije.
• Procuration yo gutiza ingwate mugihe umutungo utanditse ku mazina y’usaba inguzanyo igomba gusinyirwa imbere ya Noteri w’ubutaka mu murenge waho ubutaka buherereye
• Inyandiko-mvugo (Board resolution) isinyiwe imbere ya Noteri mu gihe uwaka inguzanyo ari sosiyete (company).
• Procuration yo gutiza ingwate mugihe umutungo utanditse ku mazina ya sosiyete (company) nubwo baba aribo banyirayo (shareholders) igomba gusinyirwa imbere ya Noteri .
• Kuzana igenagaciro (expertise) y’umutungo utangwaho ingwate ku mutungo yakozwe na Valuer wemewe n’urugaga rw’abagenagaciro mu Rwanda.
• Kuzana irangamimerere (legal status) itarengeje amezi 03
• Kopi y’indangamuntu y’usaba inguzanyo

Ikitonderwa: Umunyamuryango ukeneye service ya notaire na RDB ,yishyura amafranga
yateganijwe kuri konti yabugenewe kandi agahabwa service umunsi yishyuriyeho nyuma yo kuzuza

ibisabwa ku nguzanyo.
Konti ya RDB : Ibarizwa Muri ZIGAMACSS
Konti ya notaire : Hakoreshwa konti ya notaire wakoze umunsi ukeneye kwishyuraho,
umuhabwa na analyst ushinzwe dossier yawe.

IBISABWA KWANDIKISHA INGWATE Y’IMODOKA MURI RDB.

• Kwishyura amafaranga 20 000Frw kuri konti ya RDB iri muri ZIGAMA CSS kugirango handikishwe ingwate mu bitabo by’umwanditsi mukuru muri RDB.
• Kwishyura amafaranga 10 000Frw kuri konti ya RDB iri muri ZIGAMA CSS kugirango handikishwe ingwate y’imodoka mu bitabo by’umwanditsi mukuru muri RDB mu gihe ingwate
• isanzwe yandikishije
• Kwishyura amafaranga 7800Frw kuri konti ya Noteri iri muri ZIGAMA CSS yifashishwa mu
• gutegura amasezerano y’iguriza (Loan Contract).
• Kuzana igenagaciro (Expertise) yakozwe n’igaraje rifite ibyangombwa byemewe.
• Kuzana kopi ya Carte Jaune y’imodoka iriho umukono wa Noteri
• Kuzana kopi y’indangamuntu y’usaba inguzanyo
• Kuzana Procuration yo gutiza ingwate iyo imodoka itangwaho ingwate itanditse mu mazina
• y’usaba inguzanyo isinyiwe imbere ya Noteri.
• Kuzana amasezerano yagiranye na Leta iyo ayifatanyije imodoka na Leta.

IBISABWA KWANDUKUZA INGWATE MURI RDB.

• Kwishyura amafaranga 7800Frw kuri konti ya Noteri iri muri ZIGAMA CSS yifashishwa mu gutegura inyandiko yifashishwa mu guhanaguza ingwate (Mortgage deregistration document )
• Kwishyura amafaranga 1000Frw kuri konti ya RDB iri muri ZIGAMA CSS yifashishwa mu gusiba ingwate (deregistration fees).

IBIKENEWE KUGIRANGO HAKOSORWE IKOSA RIRI KUBYANGOMBWA

BIGWATIRIJWE MURI ZIGAMA CSS.

• Kwishyura 7800Frw kuri konti ya notaire iri muri Zigama CSS kugira ngo notaire yemeze
• amasezerano yo guhanaguza ingwate;
• Kwishyura 7800Frw kuri konti ya notaire iri muri Zigama CSS kugira ngo notaire yemeze
• amasezerano mashya y’inguzanyo arimo ingwate nshya
• Kwishyura 3 900 Frw kuri konti ya notaire iri muri Zigama CSS kugira ngo notaire yemeze
• amasezerano mashya y’inguzanyo( arimo ingwate nshya Abstract Of Mortgage Agreement –
• AOMA).
• Kwishyura 1000Frw yo gusibisha ingwate kuri konti ya RDB iri muri ZCSS
• Kwishyura 20 000 Frw yo gusibisha ingwate kuri konti ya RDB iri muri ZCSS
• Icyemezo cyo kuba warashyingiwe/Icyemezo cyo kuba uri ingaragu/Icyemezo cy’ubutane
• Kitarengeje amezi 03
• Expertise itarengeje imyaka 03

Ikitonderwa: Umunyamuryango ukeneye service ya notaire na RDB ,yishyura amafranga
yateganijwe kuri konti yabugenewe kandi agahabwa service umunsi yishyuriyeho nyuma yo kuzuza ibisabwa ku nguzanyo.
Konti ya RDB : Ibarizwa Muri ZIGAMACSS
Konti ya notaire : Hakoreshwa konti ya notaire wakoze umunsi ukeneye kwishyuraho,
umuhabwa na analyst ushinzwe dossier yawe.

IBIKENEWE KUGIRINGO HASABWE TITRE NSHYA IFITE UPI NO.

1. Titre original isanzwe mu ngwate
2. Kugaragaza inyemezabwishyu z’imisoro yose
3. Raporo y’ipimwa ry’ubutaka
4. Fiche cadastral iteyeho kashi y’ibiro by’ubutaka mu karere
5. Kwishyura 10 000Frw kuri konti y’akarere binyuze muri system y’Irembo
6. Kwishyura 5 000Frw y’Icyangombwa gishya
7. Icyemezo cy’ishyingirwa,Icyemezo cy’ingaragu (kitarengeje amezi 03).
8. Fotokopi y’indangamuntu
9. Ibaruwa Zigama CSS yandikira Akarere iherekeza ibyangombwa biri mu ngwate.

KUGABANYAMO IKIBANZA IBICE BITANDUKANYE.( SUBDIVISION ).

1. Ibaruwa ZCSS yandikiye Akarere iherekeza ibyangombwa biri mu ngwate
2. Kugaragaza inyemezabwishyu z’imisoro yose
3. Ibyangombwa by’umwimerere bisanzwe mu ngwate
4. Gukoresha Fiche cadastrale zihwanye n’umubare w’ibibanza biza muri icyo kibanza
5. Kwishyura 30 000Frw kuri buri Fiche cadastrale
6. Kwishyura 5000Frw ya buri cyangombwa kizasohoka
7. Icyemezo cy’uko washyingiwe/ ingaragu…(kitarengeje amezi 03).
8. Fotokopi y’indangamuntu.

GUKURA IZINA RIMWE KU CYANGOMBWA KUBARI BAFATANYIJE

UMUTUNGO KU MPAMVU ZITANDUKANYE:

 UWITABYE IMANA

1. Ibaruwa ZCSS yandikiye Akarere iherekeza ibyangombwa biri mu ngwate
2. Ibyangombwa by’umwimerere bisanzwe mu ngwate
3. Kugaragaza inyemezabwishyu z’imisoro yose
4. Icyemezo cy’uko yitabye Imana
5. Kwishyura 5000Frw by’icyangombwa gishya
6. Fotokopi y’indangamuntu.

UWATANDUKANYE N’UWO BASHAKANYE ( DIVORCE )

1. Ibaruwa ZCSS yandikiye Akarere iherekeza ibyangombwa biri mu ngwate
2. Ibyangombwa by’umwimerere bisanzwe mu ngwate
3. Inyemezabwishyu z’imisoro zigaragaza ko adafite ibirarane by’imisoro
4. Icyemezo cy’uko yatandukanye (Umwanzuro w’urukiko)
5. Kwishyura 5000Frw by’icyangombwa gishya
6. Fotokopi y’indangamuntu

GUHINDUZA ICYO UBUTAKA BWAGENEWE GUKORESHWA ( CHANGE OF LAND USE).

1. Ibaruwa ZCSS yandikiye Akarere iherekeza ibyangombwa biri mu ngwate
2. Ibyangombwa by’umwimerere bisanzwe mu ngwate
3. Kugaragaza inyemezabwishyu z’imisoro yose
4. Icyemezo cyo kuba warashyingiwe/Icyemezo cyo kuba uri ingaragu/Icyemezo cy’ubutanekitarengeje amezi 03
5. Kwishyura 5000Frw by’icyangombwa gishya
6. Fotokopi y’indangamuntu

GUKORA IHEREREKANYAMUTUNGO (TRANSFER OF OWNERSHIP).

1. Ibaruwa ZCSS yandikiye Akarere iherekeza ibyangombwa biri mu ngwate
2. Ibyangombwa by’umwimerere bisanzwe mu ngwate
3. Inyemezabwishyu z’imisoro zigaragaza ko adafite ibirarane
4. Icyemezo cy’uko washyingiwe, icy’uko uri ingaragu
5. Kwishyura 5000Frw by’icyangombwa gishya
6. Kwishyura 30 000Frw agenewe iyi servisi
7. Fotokopi y’indangamuntu