Ubwishingizi bwo kuzigamira izabukuru ni serivisi y’imari igamije guha abakiriya ubwishingizi bw’ubuzima ndetse n’igice cyo kuzigama kigenda cyiyongera buhoro buhoro nkuko bisobanurwa mu bice bikurikira.

Indishyi zitangwa iyo habaye urupfu

Mu gihe uwafashe ubwishingizi apfuye, umugenerwabwishingizi ahabwa indishyi zingana n’incuro 120 z’umusanzu wa buri kwezi watangwaga n’uwafashe ubwishingizi.

Indishyi zitangwa iyo habaye ubumuga bwa burundu buhoraho

Mu gihe uwafashe ubwishingizi agize ubumuga bwa burundu buhoraho, ahabwa indishyi zingana n’izitangwa ku wapfuye: ni ukuvuga incuro 120 z’umusanzu wa buri kwezi.

Igipimo cy’inyungu

Ubwishingizi bwo kuzigamira izabukuru butanga inyungu ku gipimo cya 3.5% buri mwaka ku mafaranga wizigamiye. Ibi bifasha kuzamura buhoro buhoro ubwizigame bw’izabukuru.

Avansi ku bwizigame

Nyuma y’imyaka ibiri y’itangwa ry’umusanzu w’ubwishingizi adahagarika, uwafashe ubwishingizi ashobora gusaba igice cy’amafaranga ye amaze kuzigama, ibi bizwi nka avansi. Iyi serivisi ya avansi itanga ubwisanzure mu micungire y’ubwizigame kubera ko yemerera abakiriya gukoresha ubwizigame mu buryo bwo gukemura ibibazo byihutirwa.

Ubwishingizi nk’ubu bubereye cyane abacuruzi, kuko babasha kuzigama kugeza ku myaka 65, bakazishyurwa amafaranga yabo yariyongereye kubera inyungu zajyagaho.

Urugero

Uwafashe ubwishingizi afite imyaka 30 agatanga umusanzu wa buri kwezi wa 10.000 Frw, indishyi zatangwa habaye ibyago ni:

• 10.000 Frw x 12 x 10 = 1.200.000 Frw hakiyongeraho n’amafaranga amaze kuzigama n’inyungu zayo.

Mu gihe uwafashe ubwishingizi atanze umusanzu kugeza igihe cyo kujya mu zabukuru kigeze, azishyurwa amafaranga ye yizigamye n’inyungu zayo nk’uko bigaragazwa hano mu nsi:

• Nyuma y’imyaka 5 : 552.353 Frw
• Nyuma y’imyaka 10 : 1.223.081 Rwf
• Nyuma y’imyaka 15 : 2.006.806 Rwf
• Ku myaka 65 : 6,791,968 Frw (mu gihe we yari yaratanze umusanzu wose ungana na 4.200.000 Frw).