Ni ubuhe bwoko bw'amabaruwa y'inguzanyo?

1. Usaba
Umuntu usaba banki gutanga ibaruwa y'inguzanyo, izwi kandi nk'uwatanze mu ibaruwa y'inguzanyo;
Inshingano:
SsTanga icyemezo ukurikije amasezerano
AyKwishyura banki ingana
AyYishyure gahunda yo gucungurwa mugihe gikwiye
Uburenganzira:
Kugenzura, gahunda yo gucungura
②Kugenzura, kugaruka (byose bishingiye ku ibaruwa y'inguzanyo)
Icyitonderwa:
ApplicationIsaba ryo gutanga rifite ibice bibiri, aribyo gusaba gutangwa na banki itanga hamwe na garanti na garanti yatanzwe na banki itanga.
Gutangaza ko nyir'ibicuruzwa mbere yo kwishyura inoti yo gucungura ari ibya banki.
BankBanki itanga na banki yabakozi bashinzwe gusa hejuru yinyandiko.Inshingano zo kubahiriza
BankBanki itanga ntabwo ishinzwe amakosa yo gutanga inyandiko
⑤Ntabwo ashinzwe “imbaraga zidasanzwe”
PaymentKwemeza kwishyura amafaranga atandukanye
BankBanki itanga irashobora kongeramo amafaranga igihe icyo aricyo cyose niba icyemezo kiboneka
Bank Banki itanga ifite uburenganzira bwo gufata umwanzuro ku bwishingizi bw'imizigo no kongera urwego rw'ubwishingizi Amafaranga atangwa n'usaba;

2. Abagenerwabikorwa
Yerekeza ku muntu uvugwa ku ibaruwa y'inguzanyo ufite uburenganzira bwo gukoresha ibaruwa y'inguzanyo, ni ukuvuga kohereza ibicuruzwa hanze cyangwa nyir'ugutanga ibicuruzwa;
Inshingano:
FterNyuma yo kwakira ibaruwa yinguzanyo, ugomba kugenzura namasezerano mugihe gikwiye.Niba bidahuye n'ibisabwa, ugomba gusaba banki itanga kugirango ihindure cyangwa yange kubyakira vuba bishoboka cyangwa gusaba uwasabye gutegeka banki itanga gutanga ibaruwa y'inguzanyo.
②Niba byemewe, ohereza ibicuruzwa kandi ubimenyeshe uwabitumwe., tegura ibyangombwa byose hanyuma ubishyikirize banki yumushyikirano kugirango imishyikirano mugihe cyagenwe.
EBashinzwe kumenya neza inyandiko.Niba bidahuye, ugomba gukurikiza amabwiriza yatanzwe na banki itanga amabwiriza yo gukosora kandi ugakomeza kwerekana ibyangombwa mugihe cyagenwe mu ibaruwa yinguzanyo;

3.Gutanga banki
Yerekeza kuri banki yemera inshingano z'usaba gutanga ibaruwa y'inguzanyo kandi ifite inshingano zo kwishyura ubwishyu;
Inshingano:
UeTanga icyemezo neza kandi ku gihe
EWashinzwe kwishyura bwa mbere
Uburenganzira:
OlKusanya amafaranga yo kubikuza no kubitsa
Kwanga inyandiko zidahuye nuwagenerwabikorwa cyangwa banki yumushyikirano
③Nyuma yo kwishyura, niba usaba gutanga adashoboye kwishyura itegeko ryo gucungura, ibyangombwa nibicuruzwa birashobora gutunganywa;
ShortIbura ry'ibicuruzwa rishobora gusabwa uhereye ku mpapuro zisaba uwatanze icyemezo;

4. Kugira inama banki
Yerekeza ku gushingwa na banki itanga.Banki yohereza ibaruwa yinguzanyo kubohereza ibicuruzwa hanze yemeza gusa ko ibaruwa yinguzanyo ari ukuri kandi ntishobora gufata izindi nshingano.Ni banki aho ibicuruzwa byoherezwa biherereye;
Inshingano: ukeneye kwerekana ukuri kw'urwandiko rw'inguzanyo
Uburenganzira: Banki yohereza ishinzwe kwimura gusa

5. Kuganira na banki
Yerekeza kuri banki ishaka kugura inyandiko yerekana inyandiko yatanzwe nuwahawe inyungu, kandi ishingiye ku ngwate yo kwishyura y’urwandiko rutanga inguzanyo ya banki hamwe n’icyifuzo cy’uwagenerwabikorwa, avansi cyangwa agabanya umushinga w’inyandiko watanzwe n’uwahawe inyungu hakurikijwe ibiteganywa n’urwandiko rwinguzanyo, kandi rutanga ibaruwa yinguzanyo na banki yaturutseho banki yishyuye yishyurwa (izwi kandi nka banki yo kugura, banki yishyuza na banki yo kugabanya; ubusanzwe banki itanga inama; hariho imishyikirano mike no kuganira kubuntu)
Inshingano:
Subiramo neza inyandiko
Guteza imbere cyangwa kugabanya inyandiko yerekana inyandiko
Letter Emeza ibaruwa y'inguzanyo
Uburenganzira:
①Ibiganiro cyangwa bidashoboka
Inyandiko (imizigo) irashobora gutunganywa nyuma yumushyikirano
③Nyuma yumushyikirano, banki itanga irahomba cyangwa yanze kwishyura ku rwitwazo rwo kwishyurwa mbere y’uwahawe inyungu

6. Kwishura banki
Yerekeza kuri banki yagenewe kwishyurwa ku ibaruwa y'inguzanyo.Kenshi na kenshi, banki yishura niyo banki itanga;
Banki yishura abagenerwabikorwa ibyangombwa byubahiriza ibaruwa y'inguzanyo (utekereza banki itanga cyangwa indi banki yahawe)
Uburenganzira:
RightUburenganzira bwo kwishyura cyangwa kutishyura
NceIyo yishyuwe, nta burenganzira bwo kwiyambaza abagenerwabikorwa cyangwa abafite fagitire;

7. Banki yemeza
Banki yahawe na banki itanga gutanga ingwate y'inguzanyo mu izina ryayo;
Inshingano:
Ongeraho “ubwishingizi bwishingiwe”
CommitmentIbyemezo bidasubirwaho
ResponsibleBishingiye ku ibaruwa y'inguzanyo no kwishyura kuri voucher
FterNyuma yo kwishyura, urashobora gusaba gusa banki itanga
⑤Niba banki itanga yanze kwishyura cyangwa igahomba, nta burenganzira ifite bwo gusaba uwagenerwabikorwa Recourse hamwe na banki yumushyikirano

8.Kwemerwa
Yerekeza kuri banki yemera umushinga watanzwe nuwagenerwabikorwa kandi ni na banki yishyura

9. Kwishura
Yerekeza kuri banki (izwi kandi nka banki yo gukuraho) ishinzwe na banki itanga mu ibaruwa y'inguzanyo yo kwishyura avansi muri banki yumushyikirano cyangwa kwishyura banki mu izina rya banki itanga.
Uburenganzira:
PayGusa kwishyura gusa udasuzumye inyandiko
PayGusa kwishyura gusa ntusubizwe
Bank Banki itanga izishyura niba itishyuwe