Contract
URUKIKO RW’UBUCURUZI RWA NYARUGENGE, RURI I NYARUGENGE, RUHABURANISHIRIZA IMANZA Z’UBUCURUZI, NONE KU WA 10/10/ 2014, RUKIJIJE MU RUHAME URUBANZA X.Xxx 0634/14/TC/Nyge MU BURYO BUKURIKIRA :
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HABURANA:
BANKI Y’U RWANDA ITSURA AMAJYAMBERE (BRD) Ltd mu izina ry’uyihagarariye, B.P 134 Kigali: UREGA
Na :
1. MFIZI XXXXXX Xxxx, utuye Belgique, Xxxxxx Xxxxx Xxxxxx 00 x 0000, Xxxxxxxxx;
2. XXXXX Xxxx, utuye Belgique, Avenue Xxxxx Xxxxxx 00 x 0000, Xxxxxxxxx: ABAREGWA IKIREGERWA :
- Kwishyura ibirarane bingana n’amafaranga 5,901,551 abazwe kugeza kuwa 22/02/2014 azakomeza kwiyongera ;
- Kwishyura amafaranga 1,000,000 y’ikurikiranarubanza n’igihembo cya avoka ;
- Irangizarubanza ry’agateganyo.
I. IMITERERE Y’URUBANZA
1. Kuwa 03/08/2009 hagati ya BHN S.A na MFIZI XXXXXX Xxxx (acquéreur) na MWEZI Naty (co-acquéreur) habaye amasezerano yo kugura inzu bw’umwenda (contrat de vente à crédit d’un immeuble) kugeza kuwa 20/02/2014 bakaba bari bafitiye BRD ibirarane by’amafaranga 5,901,551, ibi birarane bikaba bikomeza none BRD ikaba ibarega ko batarubahirije ayo masezerano ariyo mpamvu ibarega kugira bategekwe kwishyura ibirarane bagezemo kuri uyu munsi ndetse n’izindi ndishyi zitandukanye.
2. Abaregwa bavuga batazi amasezerano aregerwa ubu, ko kandi nta bukererwe bafite ngo kuko mu masezerano nta ngano y’amafaranga y’umwenda bagomba kwishyura ku kwezi yateganyijwe, baboneraho no gutanga ikirego kiregera kwiregura basaba indishyi zinyuranye.
3. Ikibazo urukiko rugomba gusuzuma muri uru rubanza:
• Gusuzuma niba abaregwa batari bazi ingano y’amafaranga bagombaga kujya bishyura buri kwezi no gusuzuma niba koko abaregwa batarubahirije amasezerano
• Gusuzuma niba indishyi zisabwa zifite ishingiro.
• Gusuzuma ikirego kiregera kwiregura.
II. ISESENGURA RY’IBIBAZO KIGIZE URUBANZA
A. Ku birebana n’ikibazo cyo gusuzuma niba abaregwa batari bazi ingano y’amafaranga bagombaga kujya bishyura buri kwezi no gusuzuma niba koko abaregwa batarubahirije amasezerano batishyura inyungu
4. Me BAREZI Xxxxx Xxxxx uburanira urega asobanura ko mu nyandiko bashyikirije Urukiko harimo amasezerano abiri imwe yo kuwa 03/08/2009 idafite ikibazo niyiswe contrat de vente à crédit arinayo ifite ikibazo. Akomeza avuga ko hasuzumwa ibikubiye mu ngingo ya 3 yayo masezerano.
5. Ku birebana n’amafaranga yagombaga kwishyurwa buri kwezi, avuga kuwa 06/08/2009 abaregwa bamenyeshejwe (notification) amafaranga bagomba kwishyura ko kandi iyo notification bakorewe nayo ari mu bigize amasezerano y’iguriza (la notification fait partie du contrat de prêt), muri make ngo bakaba baramenyeshejwe umwenda n’amafaranga bagomba kwishyura buri kwezi.
6. Me FURAHA Amida na Me XXXXXX Xxxxxxx xxxxxxxxxx abaregwa bavuga ko bemera ko umwenda warikujya wishyurwa buri kwezi ko ariko nta mafaranga impande zombi zumvikanyeho mu masezerano agomba kujya yishyurwa buri kwezi ndetse iyo ngo xxxxx xxx inenge, bakomeza bavuga ko notification yakozwe nyuma y’amasezerano yagombaga kuba amasezerano yinyongera (avenant). Na none bavuga ko nta kwezi na kumwe bigeze birenza batishyuye.
7. Me BAREZI Xxxxx Xxxxx yisobanura ko iyo nyandiko ya notification yahawe uwitwa RUZINDANA wari uhagarariye abagurijwe igomba kugira agaciro xxxxxx xxxx procuration yahawe. Akomeza avuga ko kubirebana n’umubare w’amafaranga yagujijwe ingingo ya 1 y’amasezerano iwugaragaza (amafaranga 49,000,000), ko kandi uruhare rw’uwagurijwe mu guhabwa inzu ( sa participation dans l’acquisition de l’immeuble) byemeranyijweho ko ari amafaranga 12,000,000. Arangiza avuga ko kubijyenye n’ikibazo cyo kumenya niba abaregwa baba barirengeje amezi batishyura, avuga ko batubahirije kwishyura amafaranga 573,960 buri kwezi ngo kuko babihagaritse kuwa 31/08/2011
bakongera kwishyura mu kwezi kwa xxxx 2012, kugeza kuwa 20/02/2014 ngo hakaba hari iibirarane by’amezi 10 bitishyuwe mu gusoza avuga ko mafaranga bagombaga kwishyura bari bayazi ngo kuko bishyuraga umubare udahinduka bigaragaza ko batapfaga kwishyura uwo mubare gusa.
8. Urukiko rusanga ikibazo nyamukuru ari ukumenya niba abaregwa baramenyeshejwe umubare w’amafaranga bagombaga kujya bishyura buri kwezi, bityo baba batawuhabhirije bikaba byabatera kujya mu birarane.
9. Urukiko rusanga mu masezerano yo kuwa 03/08/2009 impande zombi zasinyanye nta mubare w’amafaranga zemeranyijweho abagurijwe bagombaga kujya yishyura buri kwezi, ahubwo nyuma y’iminsi 3 ni ukuvuga kuwa 06/08/2009 hakaba harabayeho kubamenyesha inguzanyo n’amafaranga bazajya bishyura buri kwezi (notification des conditions de prêt), iri menyesha rikaba ryarakiriwe xx XXXXXXXXX KASIGWA wari uhagarariye abagurijwe ndetse uyu akaba arinawe wasinyiye abahawe inguzanyo haba ku masezerano y’igurizwa no kuri acte de notoriété.
10. Kuba muri iyo notification yashyikirijwe uhagarariye abagurijwe ndetse arinawe warusanzwe abasinyira muri byose ndetse iyo notification ikaba yaragaragazaga ko abagurijwe bagomba kujya bishyura amafaranga 573,960 buri kwezi, ibivugwa n’abahagarariye abaregwa ko abaguijwe batigeze bamenyeshawa amafaranga bazajya bishyura buri kwezi bikaba bitahabwa ishingiro.
11. Byongeye kandi kuvuga ko hagombaga kuba avenant ku masezerano ya mbere bikaba bitahabwa agaciro kuko na notification yakozwe batagaragaza inenge yaba ifite, bikaba bitaragomberaga ko kumenyeshwa amafaranga yo kwishyura ku kwezi bikorerwa andi masezerano y’inyongera na cyane ko abagurijwe basinyiye ko babonye iyo notification ndetse bakanatangira no kubyubahiriza bishyura amafaranga 577628 kuva kuwa 31/10/2009 2009 kugeza kuwa 31/08/2011, ibi bikaba bigaragara ko abagurijwe bari bazi ndetse banemera amafaranga bagombaga kwishyura buri kwezi, bivuga ko kuba abaregwa barageze xxx bagahagarika kwishyura aya mafaranga b nk’uko bigaragazwa na situation des échéanciers, urugero xxxx kuva mu kwezi kwa kwezi kwa xxxxx0000 kugeza mukwa gatatu 2012 xxx nta faranga bishyuye bivuga ko batubahirije amasezerano.
12. Urukiko rusanga nk’uko bimaze kugaragazwa mu bika bibanziriza iki ko abaregwa batubahirije amasezerano, nk’uko kandi biteganywa n’ingingo ya 64 y’Itegeko n°45/2011 ryo ku wa 25/11/2011 rigenga amasezerano iteganya ko amasezerano akozwe ku buryo bukurikije amategeko aba itegeko ku bayagiranye kandi ashobora guseswa ku mpamvu zemewe n’amategeko, bityo MFIZI HILARI Good na MWEZI Naty, bakaba bagomba kwishyura nta bundi buryarya inyungu bamaze gukereranwa ku nguzanyo bahawe kuwa 03/08/2009 zibazwe kugeza kuwa 10/10/2014 urubanza rusomwe uka ari amafaranga 6, 656,511 nk’uko agaragazwa na situation des échéanciers y’umwenda wabo yatanzwe na banki.
B. Ku byerekeye amafaranga y’ikurikiranarubanza n’igihembo cya avoka.
13. Me BAREZI Xxxxx Xxxxx xxxxx ko MFIZI HILARI Good na MWEZI Naty bishyura BRD amafaranga 1,000,000 y’ikurikiranarubanza n’igihembo cya avoka.
14. Abahagarariye abaregwa bakaba ntacyo bavuze kuri izi ndishyi.
15. Urukiko rusanga amafaranga y’igihembo cya avoka agomba kubarirwa mu y’ikurikiranarubanza xxxxx xxxxx akwiye gutangwa hashingiwe ku ngingo ya 258 y’igitabo cya mbere cy’urwunge rw’amategeko y’imbonezamubano ibyerekeye imirimo nshinganwa cyangwa amasezerano iteganya ko ‘igikorwa cyose cy’umuntu cyangirije undi gitegeka nyirugukora ikosa rigikomokaho kuriha ibyangiritse’, kutubahiriza amasezerano kwa MFIZI HILARI Good na MWEZI Naty byatumye BRD ibarega yiyambaje avoka ndetse igira n’andi mafaranga yishyura mu kohereza ikirego, guhemba umuhesha w’inkiko wagiye kubasinyisha…, amafaranga BRD Ltd yishyuye ibyo bikorwa byose akaba xxxxxx xxxxxxxxx x’xxxxxxxx, xxxxx xxxxxx ko xxxxxxxxxx xxxxxx xxx xxxxxxxxxx xxxxxxxxxx x’xxxxxxxxxxxxxxxxxx akaba atanzwe mu bushishozi bw’urukiko, bityo rukaba rugennye amafaranga 800,000 y’ikurikiranarubanza.
C. Ku birebana n’ikirego kiregera kwiregura
16. Urukiko rusanga rutakwirirwa rusuzuma iki kirego kuko usibye no kuba abagitanga urubanza rubatsinda cyatanzwe binyuranyenyije n’ingingo ya 357 y’itegeko no 21/2012
ryo kuwa 14/06/2012 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi kuko cyatanzwe nyuma y’iburanisha ry’ibanze.
III. ICYEMEZO CY’URUKIKO
17. RWEMEJE ko MFIZI HILARI Good na MWEZI Naty bishyura BRD amafaranga 6, 656,511 y’inyungu yakererwanywe ndetse bakanayishyura n’amafaranga 800.000 y’ikurikiranarubanza.
18. RUTEGETSE MFIZI HILARI Good na MWEZI Naty kwishyura BRD amafaranga 6, 656,511y’inyungu n’amafaranga 800.000 y’ikurikiranarubanza.
19. RUTEGETSE MFIZI HILARI Good na MWEZI Naty kwishyura BRD Ltd amafaranga 50,000 y’amagarama y’urubanza yatanze irega.
RUKIJIJWE RUTYO KANDI RUSOMEWE MU RUHAME N’UMUCAMANZA Théoneste MUTAJIRI MUNYAMBANZA AFASHIJWE N’UMWANDITSI ……………………………….
UMUCAMANZA UMWANDITSI