Niba maze igihe narananiwe kwishyura inguzanyo natse, nko muri iki gihe igihugu gihanganye n’icyorezo cya COVID-19, Ni iki nakora?
Niba umaze igihe waraniwe kwishyura inguzanyo, hari uburyo bwashyizweho bwitwa “Ugusubika igihe cy’ubwishyu bw’inyungu ku nguzanyo” cyangwa “Gusubikirwa kwishyura inguzanyo” bugamije gufasha ababereyemo umwenda za banki. Igihe cyo gusubikirwa ubwishyu bw’inyungu ni igihe kivanwa mu gihe kirekire inguzanyo yishyurwamo aho uwagurijwe aba adategetswe kwishyura. Ni igihe uwagurijwe aba ategereje mbere yo gutangira kwishyura umubare wagenwe buri kwezi.
Ni gute nasubikirwa igihe cy’ubwishyu bw’inyungu ku nguzanyo mu gihe mbyifuza? Icya mbere ni ukuvugana na Banki, SACCO cyangwa Ikigo cy’Imari Iciriritse (MFI) kandi umukozi ushinzwe inguzanyo mu kigo ubereye umukiriya azabigufashamo. Egera umukozi ushinzwe inguzanyo akugezeho uburyo buhari wahitamo kugira ngo usubikirwe igihe cy’ubwishyu n’inzira ugomba gukurikiza niba uri mu bihe bituma utabasha kwishyura inguzanyo watse.
Ushobora kumvikana na banki mukorana niba uhitamo kuba usubikiwe igihe cy’ubwishyu bw’inguzanyo y’ibanze, inyungu ku nguzanyo, cyangwa se byombi. Bisobanuye ko ushobora kwemeranya na banki kuba wishyura inyungu ku nguzanyo gusa cyangwa ukaba wishyura inguzanyo, muri icyo gihe usubikiwe igihe cy’ubwishyu, cyangwa kutagira na kimwe wishyura kugeza igihe mwumvikanyeho kirangiye. Kubera Icyorezo COVID-19 n’ingaruka cyagize ku bigo by’ubucuruzi, amabanki menshi mu Rwanda arimo gufasha abakiriya bayo abasubikira igihe cy’ubwishyu bw’inyungu ku nguzanyo mu gihe cy’amezi 3 kugeza kuri 6.
Mwibuke ko inyungu zikomeza kubarwa no mu gihe umara usubikiwe igihe cy’ubwishyuku nyungu kandi ko uwagurijwe agomba kuzazishyura, keretse banki yemeye kuzimuvaniraho.
If I am completely unable to repay my loan for a period of time – like the current COVID-19 pandemic – what can I do?
If you are unable to repay a loan for a period of time, there is a process called a “moratorium period” or “loan repayment holiday” that is designed to help. A moratorium period is a period of time during a loan term when the borrower is not obligated to make a payment. It is a waiting period before the borrower starts making fixed monthly payments.
How can I access a moratorium if I need to do so? First, communication with your Bank, SACCO or MFI and your loan officer is very important. Talk with your loan officer about the options available for a moratorium and the process you need to follow if you are in a situation where you cannot repay your loans.
You can agree together with your bankers as to whether you will take a principal holiday, an interest holiday or both. This means, for example, that you can agree to pay only the interest or only principal during your moratorium period, or not pay anything at all till the agreed time. Due to the COVID-19 and its impact on businesses, many banks in Rwanda are offering loan moratoriums of 3 to 6 months.
Kindly note that interest accrues during the moratorium period and the borrower must pay it, unless your bank agrees to waive it.
