URUKIKO RW’UBUCURUZI RWA MUSANZE RURI KU MUSANZE, RUBURANISHA
Ica ry’urubanza
URUKIKO RW’UBUCURUZI RWA MUSANZE RURI KU MUSANZE, RUBURANISHA
XXXXXX X’XXXXXXXXX, RWACIYE URUBANZA MURWEGO RWAMBERE, MUBURYO BUKURIKIRA:
I. ABABURANYI.
UREGA:Umutanguha Finance Ltd agashami ka Kabaya, iherereye mu Kagari ka Kabaya, Umurenge wa Kabaya, Akarere ka Ngororero, Intara
y’Uburengerazuba, mu izina ry’umuyobozi wayo, iburanirwa na Me BAGABO Xxxx x’Xxxxx ;
UREGWA :UWINEZA Emelienne, mwene Nzitabakuze na Nyirasafari, wavutse 1987, utuye mu Mudugudu wa Raro, Akagari xx Xxxxxx, Umurenge wa Rambura, Akarere ka Nyabihu, Intara y’Iburengerazuba ;
UGOBOKESHEJWE:NZITABAKUZE Innocent, mwene Karivamo Xxxxxxx xx Buvuriki , utuye mu Mudugudu wa Cyanika, Akagari xx Xxxxxx, Umurenge wa Rambura, Akarere ka Nyabihu, Intara y’Iburengerazuba ;
IKIREGO :-Umwenda remezo wa 354.352 frw, -Inyungu zisanzwe 119.700 frw, inyungu z’ubukererwe za 13.888 frw, -Igihembo cya Avoka 500.000 frw, -Amafaranga y’ikurikiranarubanza n’indishyi zo kwica amasezerano 500.000 frw ;
II. IMITERERE Y’URUBANZA.
[1].Umutanguha Finance Ltd ishami rya GASIZA, yagiranye amasezerano y’inguriza na UWINEZA Emelienne yo kuwa 17/12/2014, maze Umutanguha Finance Ltd imuguriza amafaranga angana na 450.000 frw. Maze NZITABAKUZE Innocent amubera umwishingizi, akabariyo mpamvu yagobokeshejwe ;
[2].Mu masezerano UWINEZA Emelienne akaba yariyemereye ko azishyura umwenda ahereye tariki ya 17/01/2014 akageza tariki ya 17/06/2016, akishyura inyungu zisanzwe zibariwe kuri 1,9% kukwezi, bemeranijwe ko naramuka akerewe kwishyura azaja atanga 0,2% kumafaranga akereranwe kumunsi w’ubukererwe ;
[3]. UWINEZA Emelienne ngo ntiyubahirije ayo masezerano kugezaho Umutanguha Finance Ltd ihisemo kuregera Urukiko, umunsi w’iburanisha rw’urubanza ryo kuwa 18/11/2015, uregwa n’uwagobokeshejwe ntibitaba Urukiko ntampamvu, kandi baramenyeshejwe muburyo bukurikije amategeko, maze hasuzumwa ibi bikurikira :
♦ Ko urubanza rwaburanishwa uregwa n’ugobokeshwa badahari,
♦ Kwishyura umwenda remezo ,
♦ Kwishyura inyungu zisanzwe n’izubukererwe,
♦ Indishyi zinyuranye ;
III. ISESENGURA RY’IBIBAZO BIGIZE URUBANZA.
1. Ko urubanza rwaburanishwa uregwa adahari.
[4].Ababuranyi bahamagajwe, muburyo bukurikije amategeko, nyamara uregwa n’uwagobokeshejwe ntibitaba Urukiko ntampamvu, Me BAGABO Xxxx d’Amour uburanira Umutanguha Finance Ltd asaba ko urubanza rwaburanishwa mu mizi uregwa n’ugobokeshwa badahari, kuko ari ntampamvu bamenyesheje Urukiko ;
[5].Urukiko rusuzumye icyo cyifuzo, rusanga gifite ishingiro hashingiwe kungingo ya 59 y’itegeko N° 21/2012 ryo kuwa 14/06/2012 ryerekeye imiburanishyirize
y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, iteganya ko uregwa iyo atitabye mw’iburanisha ryambere, urega ashobora gusaba ko urubanza ruburanishwa. Bityo urubanza ruburanishijwe mu mizi uregwa
n’ugobokeshwa badahari ;
2. Kubyerekeye kwishyura umwenda remezo.
*6+.Me BAGABO Xxxx d’Amour uburanira Umutanguha Finance Ltd asobanura ikirego, avuga ko Umutanguha Finance Ltd ishami rya GASIZA, yagiranye amasezerano y’inguriza na UWINEZA Emelienne yo kuwa 17/12/2014, maze Umutanguha Finance Ltd imuguriza amafaranga angana na 450.000 frw. Maze NZITABAKUZE Innocent amubera umwishingizi, akabariyo mpamvu yagobokeshejwe ;
*7+.Me BAGABO Xxxx x’Xxxxx akomeza avuga ko Kontaro yo kuwa 17/12/2014 na Fishi y’umwenda (Tableau d’amortissement) bya UWINEZA Emelienne bigaragaza umwenda yahawe, umwenda asigayemo n’igihe yakagobye kuba yararangije kwishyura, ngo ibyo bikaba bihesha Umutanguha Finance Ltd kumwishyuza nkuko
bikubiye mumasezerano bagiranye ;
*8+.Me BAGABO Xxxx x’Xxxxx avuga ko baregeye amafaranga 332.538 frw y’umwenda remezo UWINEZA Emelienne asigaje kwishyura, asaba ko ayo
mafaranga ya kwishyurwa. Ashimangira ko uregwa atabona ubwishyu akishyurwa n’uwamwishingiye ariwe NZITABAKUZE Innocent ;
[9].Xxxxxx xxxxxxxxx amasezerano yo kuwa 17/12/2014 yigurizwa UWINEZA Emelienne yagiranye n’Umutanguha Finance Ltd ndetse n’Ifishi ye y’umwenda (Tableau d’amortissement), bigaragaza ko UWINEZA Emelienne atishyuye umwenda remezo aregwa, dore ko atubahirije amasezerano , bityo agomba kwishyura uwo mwenda ungana na 332.538 frw, hashingiwe kungingo ya
64 y’itegeko N° 45/2011 ryo kuwa 25/11/2011 rigenga amasezerano, iteganya ko Amasezerano akozwe kuburyo bukurikije amategeko, aba itegeko kubayagiranye. Atabona ubwishyu umwenda ukishyurwa na NZITABAKUZE Innocent hashingiwe kungingo ya 560 y’igitabo cya gatatu cy’urwunge mbonezamubano (CC LIII) iteganya ko uwishingiye undi ashinzwe kwishyura ugomba kwishyurwa gusa iyo ugomba kwishyura atashoboye kubikora, ubwishyu bugomba kubanza gushakwa mu bintu by’ugomba kwishyura ;
3. Kubyerekeye inyungu zisanzwe n’izubukererwe.
[10].Kubyerekeye inyungu zisanzwe Me BAGABO Xxxx d’Amour avuga ko hakurikijwe amasezerano ababuranyi bagiranye yo kuwa 17/12/2014, UWINEZA Emelienne yiyemeje kwishyura inyungu zisanzwe zibariwe kuri 1,9% kukwezi, akomeza avuga ko uregwa atishyuye inyungu zisanzwe zingana na 111.150 frw, asaba ko zakwishyurwa ;
[11+.Kubijanye n’inyungu z’ubukererwe Me BAGABO Xxxx x’Xxxxx yasobanuye ko mumasezerano y’ababuranyi bumvikanye ko UWINEZA Emelienne agomba kwishyura 0,2% kumafaranga yakereranwe y’inyungu z’ubukererwe, akomeza avuga ko uregwa atishyuye inyungu z’ubukererwe zingana na 56.713 frw ;
[12].Hamaze gusesengurwa amasezerano y’ababuranyi na Fishi y’umwenda
y’uregwa, rusanze UWINEZA Emelienne hari inyungu zisanzwe n’izubukererwe atishyuye z’umwenda yahawe, nkuko biteganywa n’amasezerano ababuranyi bagiranye yo kuwa 17/12/2014, ateganya ko: Nyirukugurizwa azishyura inyungu
zisanzwe zibariwe kuri 1,9% ku kwezi, n’izubukererwe zibariwe ku 0,2% ku mafaranga yakereranwe. Bityo agomba kuzishyura, kuko ziteganyijwe mu masezerano y’ababuranyi ;
[13+.Ibyo bikaba bihuje n’ingingo ya 480 CC LIII iteganya ko Ingano y’inyungu ikomoka ku masezerano ishyirwaho ku bw’umvikane bw’abayagiranye,bityo UWINEZA Emelienne akaba gomba kwishyura inyungu zisanzwe zingana na
111.150 frw, akishyura n’iz’ubukererwe zingana na 56.713 frw. Atabona ubwishyu umwenda ukishyurwa na NZITABAKUZE Innocent wamwishingiye ;
4. Indishyi zinyuranye.
[14+.Me BAGABO Xxxx d’Amour ashingiye xxxxx xxxxxxxxxx y’igihembo
cy’Avocat kingana na 500.000 frw, asaba n’amafaranga y’ikurikiranarubanza
100.000 frw ndetse n’ingwate y’amagarama ingana na 500.000 frw, ngo kuko uregwa yashoye Umutanguha Finance Ltd mu manza ntampamvu ;
[15].Rusesenguye iki kibazo, rusanze UWINEZA Emelienne agomba gutanga igihembo cy’avocat n’amafaranga y’ikurikiranarubanza, kubera gushora
Umutanguha Finance Ltd mumanza ntampamvu dore ko yarihagarariwe na Me BAGABO Xxxx x’Xxxxx ;
[16].Hashingiwe kungingo ya 65 y’itegoko N° 45/2011 ryo kuwa 25/11/2011 rigenga amasezerano iteganya ko amasezerano ntategeka icyemejwe gusa ahubwo yongeraho n’ingaruka, ndetse no kungingo ya 6 y’amasezerano y’ababuranyi
iteganya ko amafaranga y’ingendo no kujya kwishyuza nafitanye isano nayo, atangwa n’ugurijwe, kubwibyo uregwa agomba gutanga igihembo cy’Avocat kingana na 500.000 frw, amafaranga y’ikurikiranarubanza angana na 50.000 frw n’ingwate y’igarama urega yishyuye 50.000 frw. Atabona ubwishyu umwenda ukishyurwa na NZITABAKUZE Innocent wamwishingiye ;
IV. ICYEMEZO CY’URUKIKO.
[17].Rwemeje kwakira nogusuzuma iki kirego kuko cyajye mu buryo bukurikije amategeko, rugisuzumye rusanga gifite ishingiro ;
[18].Rutegetse UWINEZA Emelienne kwishyura Umutanguha Finance Ltd
xxxxxxx xxxxxx xxxxxxxxxxx ungana na 332.538 frw, akishyura inyungu zisanzwe zingana na 111.150 frw, akishyura inyungu z’ubukererwe zingana
na 56.713 frw, agatanga igihembo cy’Avocat kingana n’amafaranga 500.000 frw, akishyura amafaranga y’ikurikiranarubanza angana na 50.000 frw n’ingwate
y’igarama urega yishyuye 50.000 frw, amafaranga yose akayishyura kuneza, mugihe giteganywa n’amategeko (ukwezi kumwe), atayatanga agakurwa mubye kungufu za Leta. Atabona ubwishyu umwenda ukishyurwa na NZITABAKUZE Innocent Wamwishingiye. Urubanza rwari gusomwa kuwa 04/12/2015, nyamara rusomwe mbere kuwa 03/12/2015 kubera inama y’abacamanza yo kuwa 04/12/2015 I Kigali ;
NUKO RUKIJIJWE KANDI RUSOMEWE MURUHAME NONE KUWA 03/12/2015.
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UMUCAMANZA UMWANDITSI
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