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IBICIRO BY'IMIFURAGIRO NA KOMISIYO MU AMASEZERANO COMMUNITY -BANKING PLC /2022 |
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No. |
Izina rya komisiyo Cyangwa Umufuragiro |
Umubare |
TVA 18% |
Igiteranyo |
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1 |
Ibyerekeranye na Konti |
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a |
Gufungura konti ni ubuntu |
- |
- |
- |
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b |
Gufunga konti |
- |
- |
- |
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c |
Umufuragiro kuri konti yo kwizigamira |
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d |
Umufuragiro kuri konti isanzwe(Current Account) |
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600 |
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e |
Agatabo ko kubitsa |
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3,000 |
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f |
Kugura Shekiye (cheque Book) |
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5,000 |
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j |
Shekiye ikozwe muburyo bwihuse |
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6,000 |
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h |
Umufuragiro kuri SMS-Banking |
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275 |
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i |
transferi y'umushahara uvuye mubindi bigo by'imari |
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500 |
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j |
Umufuragiro k'umushahara w'abakozi bibigo bifite compte muri ACB |
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500 |
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k |
Icyemezo cyuko ufite konte muri ACB |
10,000 |
1,800 |
11,800 |
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l |
Kugura resi(receipt)ikoreshwa igihe waje kubikuza nta gatabo cg shekiye |
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2,000 |
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m |
Ihesha bubasha ryishyura(payment order) umukiriya acibwa 1/1000 wongeyeho TVA |
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n |
icyemezo cyuko urimo cg utarimo inguzanyo |
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20,000 |
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o |
Icyemezo cy'amafaranga ufite kuri konti muri ACB |
18,000 |
3,240 |
21,240 |
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p |
Uburyo konti yakoreshejwe (Account Statement) urupapuro rumwe |
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1,000 |
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q |
Andi makuru asabwa kuri konti kumpamvu z'ubugenzuzi |
10,000 |
1,800 |
11,800 |
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2 |
Kwishyura inyandiko zibitswe na ACB |
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a |
*Kwishyura inyandiko ibitswe na ACB itarengeje amezi 3 |
5,000 |
900 |
5,900 |
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b |
*Kwishyura inyandiko ibitswe na ACB irengeje amezi 3 |
10,000 |
1,800 |
11,800 |
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3 |
Umufuragiro kumpapuro zishingira (bank guarantees,bid…… |
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a |
Urupapuro ku inguzanyo iri munsi cg ingana na miriyoni eshanu |
20,000 |
3,600 |
23,600 |
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b |
Urupapuro ku inguzanyo irenze miriyoni eshanu |
30,000 |
5,400 |
35,400 |
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c |
Isezerano ryo kuzahabwa inguzanyo (Line of Credit Promise) |
50,000 |
9,000 |
59,000 |
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4 |
Umufuragiro ku kwiga inguzanyo |
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a |
Inguzanyo kuva 1 - 5,000,000 |
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19,000 |
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b |
Inguzanyo 5,000,001 -10,000,000 |
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24,000 |
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c |
Inguzanyo 10,000,001 - 15, 000,000 |
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30,000 |
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d |
Inguzanyo ,15,000,001 - kuzamura |
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50,000 |
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5 |
Amafaranga yo gukurikirana inguzanyo (Management fees) |
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a |
Inguzanyo zisanzwe |
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3% |
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b |
Inguzanyo kumashuri |
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2% |
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c |
Inguzanyo kubakozi ba'ACB |
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2% |
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6 |
Ijanisha ku Nyungu Fatizo |
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a |
Curuza Lt |
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3% |
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b |
Curuza Express/PU |
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5% |
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c |
Curuza Express/Mensuelle |
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4.5% |
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d |
Ganza Kingdom |
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2% |
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e |
Kingdom |
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2% |
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f |
ACB Staff express |
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1% |
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g |
Hembwa Wage LT |
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3% |
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h |
Hembwa Wage Express |
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3.5% |
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i |
School Loan |
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1.25%-1.45% |
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j |
Leasing |
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2% |
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k |
Ezukame LT |
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3% |
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l |
Ezukame Express/PM |
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3% |
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m |
Ezukame Express/PU |
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5% |
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n |
Kaze Rice |
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2% |
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o |
Kingdom Investment |
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2% |
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p |
Ezukame Cooperative |
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2% |
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q |
Kaze Gs |
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3% |
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r |
Credit ligne |
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2.5% |
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s |
Inyungu z'Ubukererwe ku Kwezi |
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10% |
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7 |
Inyungu zishyurwa kuri konte zunguka |
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a |
Isange (Current account) ni konte yo kuzigama ubitsa ukanabikuza uko ushatse |
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0% |
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b |
Mpejo (Voluntary Saving) ntamafaranga y'ukwezi acibwa kandi wemererwa kubikuza bitewe nigihe twumvikanye |
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6% |
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c |
(Childreen Savings) nta mafaranga y'ukwezi acibwa |
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6% |
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d |
(Hunika ) Ubwizigame bw'igihe kirekire (Term Deposit) ni ubwumvikane .amafaranga atangirirwaho ni 5,000,000 frws. |
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8 |
Ubundi bwizigame |
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a |
Umukiliya uhawe inguzanyo yizigamira 10% ry'ubwishyu bwa buri kwezi(Nt'amafaranga y’ukwezi icibwa kandi nta nyungu itangwa) Compulsory Savings 10% every month on loan monthly instalment |
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b |
Kuzigamira inzu bikorwa mugihe cy'umwaka umwe. Nt'amafaranga y’ukwezi icibwa kandi nta nyungu itanga |
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Izindi serivisi zishyurwa n'umukiriya zijyanye n'inguzanyo |
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9 |
Kubijyanye na serivisi ya Notariya |
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a |
Amasezerano y'inguzanyo(Contract) biterwa na Noteri |
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b |
Amasezerano y'itangwa ry'ingwate(AOMA) |
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c |
Kwandukuza ingwate(Waiver of Mortgage |
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10 |
Kubijyanye na RDB |
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a |
Kwandikisha ingwate muri RDB |
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b |
Kwandukuza Ingwate muri RDB |
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c |
Abagenagaciro k’ingwate (Biterwa n'agaciro k'ingwate naho iherereye) |
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11 |
Kubijyanye n'ubwinshingizi |
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a |
Kwishyura ubwishyingizi (Insurance) (bijyana n'imyaka umukiriya afite ningano y’inguzanyo) |
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Ibindi |
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a |
Guhindura ingengabihe yo kwishyura inguzanyo (Loan restructuring)hishyurwa amafaranga yo gukurikirana inguzanyo(Management fees) n'ayo kuyiga. |
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b |
gusaba guhindurirwa itariki yo kwishyura ubisaba yishyura amafaranga yo kwiga inguzanyo kdi ananishyura inyungu zihwanye n'iminsi nyongera asaba . |
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c |
Inguzanyo y'inyongera ku mukiriya ukirimo inguzanyo(Additional loan): Hishyurwa umufuragiro n'amafaranga yo gukurikirana inguzanyo bibariwe kuyo yongerewe gusa. |
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d |
Usabye inguzanyo nyongera asonerwa inyungu yari asigayemo |
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e |
Uwishyuye inguzanyo mbere yigihe kigenwe mumasezerano y'inguzanyo yishyura 0% yinguzanyo yari asigajemo(Capital) gusa akishyura inyungu zukwezi yari agezemo yaba aguzwe nindi bank akishyura 8 % y'umwenda remezo wari usigaye. |
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Official Approuved by; |
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NSENGIYUMVA Eraste |
NKURUNZIZA Jacques |
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Managing Director |
Head of Finance and Administration |
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