Ikigo cy’Imisoro n’Amahoro (RRA) cyashyizeho amabwiriza mashya afsha abarimo ibirarane gusora tagowe n'umwenda

Ikigo cy’Imisoro n’Amahoro (RRA) cyashyizeho amabwiriza mashya agena uburyo n’ibisabwa mu kwishyura ibirarane by’imisoro mu byiciro, akuraho avansi ya 10% n’ingwate byasabwaga kugira ngo usora abone amasezerano yemeza ibyiciro n’amafaranga azajya yishyura.

Aya mabwiriza ya Komiseri Mukuru nº 001/2024 yo ku wa 31/05/2024, ateganya ko usora ufite ibirarane by’umusoro akaba adafite ubushobozi bwo kubyishyura byose icyarimwe, ashobora kwemererwa kubyishyura mu byiciro bitarenze 12 mu mwaka. Komiseri Mukuru wa RRA ashobora kongeraho ikindi gihe kidashobora kurenga amezi 24, iyo hari ibimenyetso by’uko usora afite ibibazo bikomeye by’ubukungu.

Komiseri Wungirije Ushinzwe Serivisi z’Abasora n’Itumanaho, Uwitonze Jean Paulin, yavuze ko amabwiriza yari asanzweho mbere yateganyaga ko abasora basabwaga kwishyura 10% by’ikirarane bafite, bagatanga n’ingwate bitewe n’umusoro bagomba kwishyura, uretse abafite munsi ya miliyoni 5 Frw. Ubu ibi byombi byakuweho mu mabwiriza mashya.

Yakomeje ati “Umuntu agasanga rero wenda aya 10% ntayo afite, n’iyo ngwate wenda nayo ntayo afite cyangwa yaba ayifite akaba yarayihaye banki, ariko akaba ashaka gukomeza akagenda anishyura ikirarane afite. Rero habayeho koroshya ibisabwa kugira ngo usora ufite ikirarane abashe kubona amasezerano yo kucyishyura mu byiciro adasabwe ibintu byinshi.”

Mu rwego rw’ubworoherezwe, ubu uwasabye kwishyura mu byiciro ntasabwa kugira icyo yishyura mbere yuko ashyira umukono ku masezerano yo kwishyura mu byiciro. Byongeye kandi ubundi buryo bwo kwishyuza ibirarane buba buhagaze igihe yasinye amasezerano kandi akaba ayubahiriza.

Komiseri wungirije ushinzwe gucunga ibirarane, Patrick Gayawira, avuga ko ibi birarane ahanini biterwa no kutamenyekanisha umusoro cyangwa usora akamenyekanisha ntabashe kwishyura, ugasanga hagiyeho ibihano n’amande y’ubukererwe. Hari n’umusoro ushobora kugaragara mu igenzura, ukagora uwawuciwe.

Yakomeje ati “Aya mabwiriza aduha uburenganzira ko iyo amezi 12 arangiye adashoboye kwishyura, tumwongerera andi kugeza kuri 24. Ni ukuvuga ngo mu by’ukuri abasora bahabwa igihe kigera ku mezi 36, tukabaha amahirwe yo kurwana na wa mwenda.”

Igihe cyose Usora yishyura mu byiciro ibirarane by’umusoro, amafaranga yishyuwe avanwa ku musoro fatizo kugeza igihe umusoro fatizo w’umwenda wose urangiriye kwishyurwa.

Icyakora, icyo gihe inyungu z’ubukererwe zikomeza kubarwa ku musoro fatizo utarishyurwa mu gihe yahawe cyo kwishyura mu byiciro.

Gayawira ati “Amafaranga yishyuye tuyajyana ku musoro fatizo. Igice cy’umusoro fatizo kimaze kwishyurwa gihagarikirwa inyungu z’ubukererwe, ku buryo umusoro fatizo iyo urangije kwishyurwa wose, inyungu z’ubukererwe ziba zarangije guhagarara, nubwo waba ugifite umwenda ujyanye n’ibihano n’inyungu zari zaragiye ziyongera mu gihe cyashize.”

Usora utubahirije amasezerano, RRA ikomeza kumwibutsa mbere y’uko hakoreshwa uburyo bwo guhatira kwishyura ufite ibirarane by’umusoro cyangwa uwashyize umukono ku masezerano yo kwishyura mu byiciro ariko ntayubahirize.

Uwitonze avuga ko uretse kuvugurura uburyo bwo kwishyura mu byiciro, hari impinduka nyinshi zikomeje gukorwa muri serivisi zihabwa abasora.

Mu bindi byakozwe harimo koroshya kwiyandukuza ku bucuruzi nko gufungisha TIN cyangwa konti z’imisoro, ubu bikorwa mu ikoranabuhanga mu minota itarenze itanu. Iyo usora asanze afite ikirarane, sisiteme imusaba kubanza kucyishyura.

Uwitonze yakomeje ati “Ariko tukavuga ngo niba ufite ikirarane utabasha kwiyandukuza cyangwa gufungisha TIN, twegere, ubone amasezerano yo kwishyura icyo kirarane mu byiciro, nukimaramo uzafungishe ubone n’icyemeza ko iyo TIN yawe ifunzwe.”

Mu byakozwe kandi harimo gukuraho ibihano sisiteme yaciye abantu bakora ubucuruzi kandi batarakoze, n’abandi bishyuye umusoro fatizo ariko ugasanga ubucuruzi bwarahagaze, batagikora nyamara bagakomeza kwishyuzwa ibihano n’inyungu z’ubukererwe.

Uwitonze yanibukije abasora kumenyekanisha avansi ya mbere y’umusoro ku nyungu hashingiwe ku byacurujwe mu kwezi kwa 1, ukwa 2 n’’ukwa 3 muri uyu mwaka, kubikora bitarenze itariki 28 Kamena, nk’itariki ntarengwa, kubera ko ari mu mpera z’umwaka w’ingengo y’imari.

Yibukije kandi abasora bafite imisoro batigeze bamenyekanisha mbere y’umwaka wa 2023 gukoresha amahirwe yo kwigaragaza ku bushake, abahesha amahirwe yo kwishyura gusa wa musoro fatizo, hatariho ibihano n’inyungu z’ubukererwe. Ni amahirwe azarangira ku wa 22 Kameena 2024, nyuma y’igihe cy’amezi atatu ashyizweho.