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Ishyura umusoro ku byaguzwe
1.Kwishyura ukoresheje ikoranabuhanga: Iyo wamenyekanishije umusoro ku byaguzwe mu gihe giteganyijwe, ariko ntiwishyure uwo musoro mu gihe cyagenwe, wishyura umusoro fatizo n’ihazabu yo mu rwego rw’ubutegetsi.
Iyo uhisemo ubu buryo, nyuma yo gukora imenyekanishamusoro ryawe unyuze muri sisitemu ya E-tax, birashoboka ko wanishyurira muri iyo sisiteme. Ukanda ahanditse, E-payment hanyuma ugahitamo banki yawe ubundi ugakurikiza amabwiriza. Ushobora nanone gukoresha uburyo bwo gukoresha banki yawe ukoresheje interineti buzwi nka " E-banking" ugakurikiza amabwiriza, ubundi ukishyura umusoro wawe.
2.Kwishyura ukoresheje telefoni (Mobile Money/Airtel Money): Iyo ufite sim card ya MTN/Airtel ikubaruyeho, ushobora kwishyura umusoro nta wundi muntu ubigukoreye. Ukanda *182# ugahitamo ururimi, ugakurikiza amabwiriza ubundi ukishyura umusoro wawe. Icyakora, ibi bisaba kuba ufite amafaranga ahagije kuri telefoni yawe, kuko usibye umusoro uba usabwa kwishyura, hari n'amafaranga ucibwa y'ikiguzi cy'iyi serivisi.
Udashoboye kwishyura ukoresheje ubu buryo, ushobora kugana umu "agenti" wa Mobile Money/Airtel Money akabigufashamo, nawe ukamwishyura ikiguzi cy'iyi serivise.
3.Kujya kuri banki: Umusoro ku byaguzwe, kimwe n'indi misoro ishobora kwishyurirwa kuri banki iyo ariyo yose y'ubucuruzi mu Rwanda. Uhisemo ubu buryo, ugenda witwaje amafaranga "kashi" cyangwa se sheki. Ugeze kuri banki, ugomba kuzuza neza urupapuro rwabugenewe, ukandika RRA nka nyiri ayo mafaranga ushaka kubitsa, ugashyiraho na ya nimero iri ku rupapuro wakoreyeho imenyekanishamusoro, umubare w'umusoro ushaka kwishyura n'ubwoko bw'umusoro wishyura (Urugero: Umusoro ku byaguzwe).
Iyo wamenyekanishije umusoro ku byaguzwe mu gihe giteganyijwe, ariko ntiwishyure uwo musoro mu gihe cyagenwe, wishyura umusoro fatizo n’ihazabu yo mu rwego rw’ubutegetsi
ku buryo bukurikira:
| Igihe cy’ubukererwe | Igihano (ijanisha) giteganyijwe hashingiwe ku musoro ugomba kwishyurwa |
|---|---|
| Iyo ku gihe ntarengwa cyo kwishyura harenzeho iminsi itarenze 30 | 5 % |
| Iyo warengeje iminsi iri hagati ya 31 na 60 ku gihe wagombaga kwishyurira | 10 % |
| Iyo warengeje iminsi iri hejuru ya mirongo itandatu (60) ku gihe wagombaga kwishyurira. | 30 % |
Itegeko riteganya kandi ko kuri ibi bihano hiyongeraho inyungu z’ubukerewe zibarirwa ku musoro fatizo mu buryo bukurikira:
0.5% iyo usora yarengeje igihe kitarenze amezi atandatu ku gihe ntarengwa;
1% iyo usora yarengeje amezi atandatu atishyuye umusoro ariko ntarenze amezi 12;
1.5% iyo usora yarengeje amezi 12 atishyuye umusoro.
Inyungu z’ubukererwe zibarwa nta gukomatanya kandi ku kwezi uhereye ku munsi ukurikira uwo musoro wagombaga kwishyurirwaho kugeza ku munsi w’ubwishyu na wo ubariwemo. Ubwiyongere bw’inyungu z’ubukererwe ntiburenga 100% by’umusoro.