Kubwamahirwe, ntabwo abantu bose bashobora kubona imashini imesa. Niba nta mafaranga ahagije yo kugura, urashobora gukoresha ubwishyu no kwishyura amafaranga make buri kwezi. Iyi serivisi irakunzwe cyane kandi igera kumwanya wa kabiri nyuma yo gutanga inguzanyo, nubwo ifite ibyiza byinshi.
Ibiranga
Kwinjiza nubushobozi bwo kugura ibicuruzwa bigura mugihe runaka, mugihe igiciro kitiyongera, kandi ijanisha ntiribarwa. Umuguzi yiyemeje kwishyura amafaranga yashyizweho buri kwezi. Korohereza ibice nuko bidakenewe kugira impamyabumenyi yakazi kemewe. Kurugero, imashini imesa irashobora gushyirwaho igice cyumwaka, umwaka umwe cyangwa ibiri mububiko bwa Eltora.
Ni ngombwa gutekereza kubitekerezo kugirango wirinde ibibazo. Amaduka amwe asaba gufungura konti ya banki kugirango akomeze kwimura amafaranga. Muri uru rubanza, amabanki azafata amafaranga yo gutanga konti.
Ntukemere gufungura ikarita yinguzanyo, uburiganya akenshi buhisha icyifuzo nkicyo.
Gushushanya ibice, birakenewe kuzana pasiporo numukozi wububiko kugirango utange amakuru yawe bwite. Niba fotokopi yinyandiko zimwe zisabwa, irashobora koherezwa muburyo bwa elegitoroniki. Uyu munsi, amaduka yo kumurongo arazwi cyane, asoza amasezerano kure.
Ububiko bugomba byanze bikunze gutanga ibyangombwa mugihe cyo gukora ibice:
- cheque;
- Amasezerano yo kugura;
- Garanti kubicuruzwa.
Itandukaniro ryibice kuva ku nguzanyo
Kugura ibicuruzwa ku nguzanyo ni igikorwa cya banki, ukurikije ibyo umuguzi atagomba gutanga amafaranga y'ibicuruzwa, ahubwo no kwishyura ijanisha runaka rya banki. Kugirango ubone inguzanyo, ni ngombwa kubona uruhushya rwa banki, kandi igice cyikibuga kiri hagati yumuguzi gusa numujyanama, ugereranya inyungu zububiko, abandi bantu batabigizemo uruhare. Amasezerano yasinyaga ugurisha gusa mwizina ryububiko nu muguzi.
Ingingo ku ngingo: guhanahana amaboko n'amaboko yabo
Niba banki yitabiriye inyemezabwishyu yibice, noneho iyi ni inguzanyo. Niba igice kigaragaye mumateka yinguzanyo yumuguzi, noneho ni inguzanyo.
Ubundi buryo bushoboka ko ububiko busobanura umukiriya nkibice, ariko bibeshya binyuze muri banki. Ububiko bwiyemeje kwishyura banki wenyine. Iki gikorwa nacyo kigirira akamaro kubaguzi, ariko amaduka make cyane atanga amahirwe nkaya.
Umuguzi ntagomba kwishyura inshingano iyo ari yo yose iyo asinya amasezerano yo kwishyiriraho.
Ibyiza
- Kugira amafaranga akenewe yo kugura ibicuruzwa, umuguzi arashobora kugura imashini imesa nonaha.
- Ntibikenewe ko ugirana amasezerano na banki, kandi ukishyura inyungu ku nguzanyo.
- Kwiyandikisha kumasezerano kubice bibaho muminota 30 gusa.
- Ububiko bwa enterineti bwibikoresho byo murugo bitanga ibice kure. Bihagije kohereza kopi ya pasiporo muburyo bwa elegitoronike no gutanga amakuru yihariye.
- Nyuma yo kwishyura bwa mbere, umuguzi asanzwe yakira ibicuruzwa. Amaduka amwe ntanubwo asaba ubwishyu bwa mbere.
- Buri mukomeza yigenga yigenga mugihe gishobora gutangwa nibice. Ahanini, amafaranga atandukanijwe amezi atatu, amezi atandatu cyangwa umwaka.
- Nta mpamvu yo gukusanya, gushakisha abararantor.
- Ibikorwa birinda abakiriya kuva ku giciro, ariko mbere yo kugura ni ukuganira kuri iki kintu hamwe numujyanama.
- Kugirango byoroshye kubakiriya, ubwishyu bwishyurwa burashobora gukorwa hakoreshejwe sisitemu yo kwishyura cyangwa muri banki.
Ibidukikije
- Ububiko ntibushobora gutanga ibice ku bicuruzwa, mugihe bidasobanura impamvu yo kwanga.
- Nkingingo, kubicuruzwa bihenze, amaduka ntabwo akora ibice. Iri tegeko rireba ibicuruzwa bigura ibihumbi birenga ibihumbi 150.
- Ntabwo moderi zose zo gukaraba zirashobora kugurwa mubice. Ububiko buhitamo icyitegererezo ubwabwo, bushobora gutanga umukiriya kwishyura.
- Hariho ibibazo mugihe iduka risaba konti ya banki kwakira ibice, noneho umukiriya agomba kwishyura amafaranga menshi kuri banki kugirango akoreshe ikarita.
- Umuguzi agomba kwishyura amafaranga atemewe buri kwezi, mugihe igihe cyagenwe neza.
- Hamwe n'ikibaho cyatinze, ububiko bushobora kuba umuguzi cyangwa inyemezabuguzi kubihano.
- Ibicuruzwa bitangwa nibice birashobora gukura mubiciro.
- Abakiriya bakunze kumva ko batoroheye mumitekerereze.
Ingingo ku ngingo: Imishinga y'amazu ifite amaterasi
Umuntu ashobora kugura he?
Urashobora kugura imashini imesa mubice mububiko bwo kugurisha cyangwa mububiko bwa interineti.Mu iduka ryo kugurisha
- Guhitamo ibicuruzwa. Buri giciro gikubiyemo amakuru yose akenewe kubice.
- Umugurisha yanditse kuri cheque kubigura.
- Mu ishami ry'inguzanyo ry'ububiko ritangwa n'ibice. Ibi bisaba pasiporo gusa.
- Amaduka amwe asaba umusanzu wambere wo kugura.
Unyuze mububiko bwa interineti
- Guhitamo ibicuruzwa hamwe nikimenyetso "gushiraho". Mugihe ushyira kuri gahunda mubiseke, ugomba guhitamo "igice cyibice".
- Fata kugura kuri pickup.
- Mububiko fata kugura no kugenzura.
- Mu ishami ry'inguzanyo ry'ububiko, rikagirana amasezerano, mugihe pasiporo ikenewe gusa.
- Kwishyura igice cya mbere hanyuma ufate ibicuruzwa.
Inama
Kwinjiza ni gutanga ibishuko, ariko ugomba kumenya neza ko ushobora kwishyura umwenda. Nubwo wakuweho inzoga nyinshi, ariko ushinzwe mugihe runaka cyo kwishyura kugirango wishyure amafaranga yashyizweho.
Niba ukomeje gufata umwanzuro wo gufata imashini imesa mubice, gerageza kuyifata mugihe gito, tekereza kubitekerezo bishoboka, tekereza ku gusoma amasezerano kandi umenye neza ko ugenzura buri kwezi amafaranga yo kwishyura.
Niba udakurikiza gahunda yo kwishyura kubicuruzwa, iduka rirashobora kugushiraho ihazabu kuri wewe cyangwa no gufata imashini imesa.