▇▇▇▇▇▇▇ ▇▇▇▇▇▇ RW’UBUCURUZI, RURI I KU CYICARO CYARWO RUHABURANISHIRIZA IMANZA Z’UBUCURUZI, NONE KUWA 30/09/2016, RUKIJIJE MU RUHAME URUBANZA RCOMA 00415/2016/CHC/HCC MU BURYO BUKURIKIRA :

……………………………………………………………………………………………………………………………………

HABURANA:

GT BANK Ltd mu izina ry’umuyobozi wayo, ihagarariwe na Me RWABUSAZA Thierry na Me MURASIRA Appolinaire

na:

▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇ ▇▇ Maniriho, utuye umudugudu w’Indatwa, akagari ka Nyakabanda, Umurenge wa Niboye, akarere ka Kicukiro, umujyi wa Kigali, yunganirwa na Me HATEGEKIMANA Gratien

SINFOTEC, mu izina ry’uyihagarariye, ihagarariwe na RUDAHARISHEMA Emmanuel

▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇, mwene Gashumba na Nyirabumetero, utuye umudugudu w’Indatwa, akagari ka Nyakabanda, Umurenge wa Niboye, akarere ka Kicukiro, umujyi wa Kigali yiburanira ku ▇▇▇▇ ▇▇▇.

IKIBURANWA:

▇▇▇▇▇▇▇▇▇▇▇▇▇ ingingo nshya urubanza RCOMA 00060/2016/CHC/HCC

I. IMITERERE Y’URUBANZA

1. Me RWABUSAZA Thierry avuga ko GT Bank Ltd yahoze ▇▇▇ ▇▇▇▇ BANK Ltd yakoranye amasezerano y’umwenda na SINFOTEC Sarl yari ihagarariwe na RUDAHARISHEMA ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇ na ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇ yarabaye umwishingizi kuri iyo nguzanyo (Caution solidaire).

2. Umwenda utamaze kwishyurwa, FINA BANK Rwanda Ltd yaratanze ikirego isaba urukiko gutegeka SINFOTEC Sarl na RUDAHARISHEMA ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇ kwishyura umwenda wahawe SINFOTEC Sarl.

3. Mu guca urubanza, urukiko rukaba ngo rwategetse SINFOTEC Sarl gufatanya na RUDAHARISHEMA Emmanuel kwishyura FINA Bank Rwanda Ltd Frw 117.263.686

runategeka ko habaho irangizarubanza ry’agateganyo kabone niyo urubanza rwajuririrwa.

4. Kuwa 02/05/2012 Urukiko Rwisumbuye rwa Nyarugenge rwatanze icyemezo N. 0186/▇.▇./2012 cyo kugurisha inzu iri mu kibanza NO 965, umudugundu w’Indatwa, akagari ka Nyakabanda, umurenge wa Niboyi, akarere ka ▇▇▇▇▇▇▇▇, umujyi wa Kigali ya RUDAHARISHEMA Emmanuel.

5. ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ abonye ko hagiye gutezwa cyamunara inzu ye n’umugabo we Rudaharishema, atanga ikirego gisaba guhagarika cyamunara mu Rukiko Rukuru Rw’Ubucuruzi, Urukiko rurayitanga, icyo cyemezo kijuririrwa na GT Bank Ltd mu Rukiko rw’Ikirenga rugikuraho.

6. ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ yongeye ▇▇▇▇▇▇ ikirego gisaba gutesha agaciro amasezerano y’ubwishyingizi n’ingwate n’indishyi mu Rukiko rw’Ubucuruzi rwa Nyarugenge. Icyemezo cy’Urukiko RCOM 1137/15/TC/ cyo kuwa 15/01/2016, gishingiye ku ngingo ya 9 CPCCSA kuko nta kimenyetso cy’amasezerano y’ubugwate bw’inzu ye na Rudaharishema ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ nk’uko biteganywa n’ingingo ya 4 y’Itegeko N. 10/2009 ryo kuwa 14/05/2009 ryerekeye ubugwate ku mutungo utimukanwa, ruvuga ko kivuga ko nta shingiro ikirego gifite.

7. ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ yajuriye icyo cyemezo mu Rukiko Rukuru rw’Ubucuruzi, nanone asaba gutesha agaciro amasezerano y’ubwishingizi ku ngwate bw’iyo nzu. ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ Rw’Ubucuruzi rushingiye ku ngingo ya 22 y’itegeko No 22/99 ryo kuwa 15/11/1999, mu cyemezo RCOMA 00060/2016/CHC/HCC, rushingiye ▇▇▇▇▇ ▇▇ ingingo ya 3 y’iryo tegeko, rwakijije ko ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇.

8. Impamvu urubanza rusubirishwamo ingingo nshya ikaba ▇▇▇ ▇▇▇ ukuba hashingiwe ku ngingo ya 186 igika cya 3 y’itegeko No 21/2012 ryo kuwa 14/06/2012 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi, iteganya ko kuva ▇▇▇ urubanza ruciriwe habonetse ibimemyetso bya kamarampaka bigaragaza neza akarengane katewe n’urubanza rusabirwa gusubiramo icyo kimenyetso cyaba kiri mu nyandiko zatanzwe mu rubanza ▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇ cyangwa cyaragaragajwe nyuma. Ndetse hashingiwe no ku gika cya 6 cy’iyo ngingo giteganya ko mu icibwa ry’urubanza hakozwe amakosa akabije yo kwitiranya uko ibintu byagenze cyangwa hashingiwe ku itegeko ritariho.

9. Hasingiwe ku mikirize y’urubanza rwavuze haruguru na nyuma yo kurusesengura neza, Me RWABUSAZA ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇ kutita ku kimenyetso cy’uko

▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ na ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇ inzu buri wese ku kigero cya 50%, asanga kandi harabayeho amakosa akabije, bityo rukaba rwasubirwamo kugirango ayo makosa akosorwe gutyo ubutabera bukaboneka.

10. SINFOTEC sarl mu kwisobanura ivuga ko GT Bank yahoze yitwa Fina Bank Rwanda ltd yagiye igirana amasezerano y’imyenda na SINFOTEC Sarl yari ihagarirwe na RUDAHARISHEMA Emmanuel, Umugabo wa ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ akaba n’umwishingizi (caution solidaire). Habaye amasezerano atandukanye yagiye yubahirizwa, gusa haza kuvuka ikibazo ku masezerano yo kuwa 03/06/2008 ▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇ yishingiye SINFOTEC sarl ku mwenda yasabye ikora isoko yari yahawe na OCIR THE ariyo yaje guhinduka NAEB.

11. Mu gukora iryo soko, SINFOTEC sarl ntiyashobora kubahiriza ayo masezerano bitewe n’ibibazo yari yagiranye na NAEB bityo Fina Bank ariyo yahindutse GT Bank igana inkiko iregera umwenda yahaye SINFOTEC sarl ndetse irawutsindira nibwo yaje kurangiza urubanza ku ngwate yatanzwe na RUDAHARISHEMA Emmanuel.

12. ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ yaje gutangazwa no kubona ko hari amasezerano y’ubwishingire ku mutungo utimukanwa yagiye akorwa hagati ya Fina Bank n’umugabo we RUDAHARISHEMA Emmanuel nyamara we atabizi ngo ayagiremo uruhare cyane cyane ko uwo mutungo bari bawufatanyije, bityo agana ubutabera asaba ko ayo masezerano ashyira mu bugwate umutungo wabo kuko yakozwe mu buryo budakurikije amategeko ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇.

13. Urukiko rw’Ubucuruzi rwa Nyarugenge rurukiza ruvuga ko ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ atsizwe nawe akomeza mu Rukiko Rukuru rw’Ubucuruzi, rwo rurukiza ruhamya ko Mukamana atsinze naho GT Bank Ltd, SINFOTEC Sarl na Rudaharishema ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇. None ubu GT Bank Ltd ikaba ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ingingo nshya mu rubanza.

14. Me HATEGEKIMANA Gratien wunganira ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ asobanura ko RUDAHARISHEMA ▇▇▇▇▇▇▇▇ na ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇ ▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇▇ n’amategeko, basezerana uburyo bw’ivangamutungo rusange kandi bafitanye abana. Babana bose mu nzu imwe ibarizwa mu kibanza N° 965 mu Mudugudu w’Indatwa, Akagari ka Nyakabanda, Umurenge wa Niboye, Akarere ka Kicukiro, Umujyi wa Kigali. Ku birebana n’ibimenyetso byaba byarirengagijwe asobanura ko nta kimenyetso na kimwe kigeze kirengagizwa kigaragaza ko umutungo wa ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇ na ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇

▇▇▇▇▇▇ ku buryo buri wese yagenerwa umugabane wa 50% byawo kubera ko ari uwo mu nyungu z’abana babyaranye. Urega ari na we uberewemo umwenda ntagaragaza na ko yigeze asaba mu buryo bw’ikirego cyihutirwa Urukiko rufite ububasha ko ibyaba byarahinduwe mu masezerano yo gushyingirwa byabagizeho ingaruka z’uko ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ afite 50% z’umutungo, na mugenzi we igice cya 50%. nta kimenyetso rero cyagaragarijwe urukiko mu gihe cy’iburana cy’uko RUDAHARISHEMA Emmanuel na ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇ ku buryo bungana umutungo wabo ku buryo byaba byarabangamiye GT BANK RWANDA LTD.

15. Asoza asaba ko urukiko rwategeka GT BANK RWANDA LTD gutanga indishyi z’amafaranga y’ikurikiranarubanza zingana na miliyoni imwe , kuko ari yo yashoye uru rubanza izi neza ko ari yo yari ifite inshingano zo kubanza kugenzura neza niba ingwate RUDAHARISHEMA yayihaye ayita iye bwite atayifiteho uburenganzira asangira n’abandi, n’indi nshingano yo gutegeka RUDAHARISHEMA kuzana uwo bashakanye ngo basinyire hamwe amasezerano y’ubwishingizi ku ngwate y’umutungo basangiye, ariko ikaba itarabikoze; bityo ihame mu mategeko “nul ne plaide de sa propre turpitude”, rigahabwa agaciro.

16. RUDAHARISHEMA ▇▇▇▇▇ ▇▇▇ we Muyobozi wa SINFOTEC ▇▇▇▇ ▇▇▇▇▇ ▇▇’▇▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇ ▇’▇▇▇▇▇▇, akanayihagararira imbere y’amategeko. Kimwe n’ibindi bigo nka OCIR THE (yaje guhinduka NAEB), GT Bank Ltd (yahoze yitwa Fina Bank Rwanda Ltd) yagiye igirana na SINFOTEC Sarl amasezerano y’inguzanyo z’amafaranga yo gutunganya amasoko y’ipiganwa yasinyirwaga n’Umuyobozi wayo, RUDAHARISHEMA ndetse wayiberaga n’umwishingizi (caution solidaire). Ubwumvikane ku nguzanyo kimwe no k’ubwishingizi bw’ingwate bwabaga hagati ya Banki cyangwa ikigo hamwe na SINFOTEC Sarl mu izina ry’uyihagarariye, ariko nta ruhare rwa ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ nk’uwashakanye na RUDAHARISHEMA- abigizemo rwo gusinyira ko umutungo w’umuryango wabo utanzweho ingwate cyangwa se ko yemeye kuba na we umwishingizi w’ibikorwa bya SINFOTEC SARL.

17. Amasezerano yashyizweho umukono kuwa 17/01/2007 imbere ya noteri wa Leta n’abatangabuhamya babiri yo gutanga ingwate y’umwenda hagati ya FINA BANK RWANDA LTD na SINFOTEC Sarl (acte de remise en gage de titre de propriété et engagement de ne pas hypothequer), agaragaza ko umwishingizi wa SINFOTEC Sarl ari we Rudaharishema yahaye Banki ho ingwate icyemezo cy’umutungo we bwite ugizwe n’inzu yubatse mu kibanza kiri Niboye-Kicukiro [nta nimero yayo igaragazwa].

18. Agace ▇▇ ▇▇▇▇ k’ayo masezerano gashimangira ▇▇▇▇▇ ▇▇ « ibigize ingwate itanzwe ari umutungo wihariye w’umwishingizi RUDAHARISHEMA wenyine ». « le constituant déclare que les biens faisant l’objet de l’acte de notoriété ci-dessous sont sa propriété exclusive ». Byaje kugaragara ko iyo ngwate itari mu mitungo bwite ya Rudaharishema wenyine, yewe nta n’ubwo ibarurirwa mu mitungo ya SINFOTEC SARL. Ibyo byatewe n’uko GT Bank Rwanda Ltd itigeze ishishoza bihagije ngo mbere yo gutanga inguzanyo igenzure neza niba SINFOTEC SARL ifite imitungo yayo bwite ihagije yavamo ingwate cyangwa se niba umwishingizi wayo atunze ibyemezo by’uko nta wundi muntu basangiye ingwate.

19. Mu rwego rwo kurangiza urubanza ku ngwate y’inzu yatanzwe na RUDAHARISHEMA Emmanuel, Urukiko Rwisumbuye rwa Nyarugenge rwatanze kuwa 02/05/2012 icyemezo n° 0186/J. B/2012 cyo kugurisha inzu iri mu kibanza N° 965, Umudugudu w’Indatwa, Akagari ka Nyakabanda, Umurenge wa Niboyi, Akarere ka Kicukiro, Umujyi wa Kigali, byitwa ko ari iya ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇, nyamara atari ko biri, ahubwo ari inzu y’umuryango isangiwe na Rudaharishema, abana, umugore we MUKAMANA.

20. Abonye asa nugwiriwe n’ijuru bitewe n’amatangazo cyo guteza cyamunara inzu iri muri parcelle N° 965 y’umuryango abanamo n’urubyaro, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ikirego mu Rukiko rw’ubucuruzi rwa Nyarugenge asaba guhagarikisha iryo gurisha ry’umutungo w’umuryango agaragaza ko amasezerano yawutanzeho ingwate atigeze ayamenyeshwa ngo ayemere nk’uko amategeko abiteganya.

21. Urukiko rw’ubujurire rwaciye urubanza ku rwego rwa nyuma rwasanze ingingo ya 22 y’Itegeko n° 22/99 iteganya ko « Umwe mu bashyingiranywe wagize amasezerano ku mutungo, agomba ubwumvikane bwa bombi. Agomba mu gihe cyo kuyakora cyangwa mu gihe cy’amezi atandatu akurikira, gusaba uwo bashyingiranywe ko ayemera », ▇▇▇▇▇ ▇▇ ▇▇▇▇ RUDAHARISHEMA nk’umwishingizi wa SINFOTEC SARL wenyine yaremereye Urukiko ko atubahirije iyo ngingo y’amategeko yo kumenyesha MUKAMANA bashakanye ko yabaye umwishingizi w’umwenda SINFOTEC SARL yahawe na Banki, ndetse no kuba RUDAHARISHEMA ▇▇▇▇▇▇▇▇ na ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ivangamutungo riteganywa n’ingingo ya 3 y’itegeko n° 22/99 ryo kuwa 15/11/1999, nta burenganzira Rudaharishema yari afite bwo kutamenyesha uwo bashakanye nk’uko biteganywa n’ingingo ya 22 y’iryo tegeko.

22. RUDAHARISHEMA Emmanuel asobanura ko GT Bank yahoze yitwa Fina Bank Rwanda ltd yagiye igirana amasezerano y’imyenda na SINFOTEC Sarl yari iyobowe na RUDAHARISHEMA Emmanuel, Umugabo wa ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ndetse akaba n’umwishingizi (caution solidaire), harimo n’ayo ku itariki 03/06/2008 ▇▇▇ ▇▇ none RUDAHARISHEMA ▇▇▇▇▇▇▇▇ ▇▇▇▇ yishingiye SINFOTEC sarl ku mwenda yasabye ikora isoko yari yahawe na OCIR THE ariyo yaje guhinduka NAEB. Mu gukora iryo soko, SINFOTEC sarl ntiyashobora kuwishyura wose bitewe n’ibibazo yari yagiranye na OCIR ariyo NAEB y’ubu bityo Fina Bank ariyo yahindutse GT Bank igana inkiko iregera umwenda yahaye SINFOTEC sarl ndetse irawutsindira nibwo yaje kurangiza urubanza ku ngwate yatanzwe na RUDAHARISHEMA Emmanuel.

23. Nyuma yibyo, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ yaje gutangazwa no kubona ko hari amasezerano y’ubwishingire ku mutungo utimukanwa yagiye akorwa hagati ya Fina Bank na RUDAHARISHEMA Emmanuel, umugabo we, kandi we atabizi ngo ayagiremo uruhare cyane cyane ko uwo mutungo bari bawufatanyije, bityo agana Urukiko rw’ubucuruzi rwa Nyarugenge asaba gutesha agaciro amasezerano ashyira mu bugwate umutungo wabo kuko yakozwe mu buryo budakurikije amategeko. Urukiko rwemeza ko ikirego cye nta shingiro gifite ajuririra Urukiko Rukuru rw’Ubucuruzi. ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ rw’Ubucuruzi rumaze kumva impande zombi rwemeza ko ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ atsinze naho GT Bank Ltd, SINFOTEC Sarl na Rudaharishema ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇.

24. Muri uru rubanza hakaba hagomba gusuzumwa niba urukiko rwarirengagije kutita ku kimenyetso cy’uko ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ na ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇ inzu iri mu kibanza N° 965 buri wese ku kigero cya 50% no gusuzuma indishyi zisabwa na buri ruhande.

II. ISESENGURA RY’IBIBAZO

A. Ku birebana no gusuzumwa niba urukiko rwarirengagije kutita ku kimenyetso cy’uko ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ na ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇ inzu iri muri parcelle N° 965 buri wese ku kigero cya 50%

25. ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ asobanura ko yemera ko umutungo awufatanyije n’umugabo we, ikibazo akaba ▇▇▇ ▇▇▇ yawutanzeho ingwate atabizi, bityo amasezerano akaba areba SINFOTEC SARL na RUDAHARISHEMA Emmanuel na Banki.

26. Me RWABUSAZA ▇▇▇▇▇▇▇ asobanura ko nabo bemera ko RUDAHARISHEMA Emmanuel na ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇ umutungo koko, ko icyo bashaka nka ▇▇▇▇▇ ▇▇▇ 50% y’▇▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇. Aha ▇▇▇▇▇▇ urugero ko iyo habayeho ubutane hagati y’umugore n’umugabo bagabana kabiri umutungo. Me MURASIRA Appolinaire asobanura ko urukiko rwaha agaciro ingingo ya 194 CPCCSA.

27. ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ avuga ko iki ibazo cyavuzweho mu rubanza, Me HATEGEKIMANA Gratien amwunganira avuga ko hagomba gutandukanywa umuntu ku ▇▇▇▇ ▇▇▇ (personne phyisique) na sosiyete (personne morale), kuba banki ishaka ko umutungo wagabwamo kabiri bikaba bitashoboka kuko ▇▇▇▇ ▇▇▇▇ indivision, kugira abantu ▇▇▇▇ ▇▇▇▇ indivision ibintu byabo bigurishwe hagomba kuba icyemezo cy’urukiko kibagabanya. Ingingo ya 22 na 23 z’itegeko No 22/99 ryo kuwa 12/11/1999 rirebana n’imicungire y’umutungo w’abashakanye impano n’izungura. Na none ashingira ku ngingo ya 34 y’itegeko Nshinga ivuga ko umutungo w’umuntu ku ▇▇▇▇ ▇▇▇ ▇▇▇ ntavugorwa.

28. RUDAHARISHEMA ▇▇▇▇▇▇▇▇ asobanura ko koko iyo nzu yatanzweho ingwate ko kandi yakoze ibyo banki yamusabaga.

UKO URUKIKO RUBIBONA

29. Ingingo ya 186, 30 na 60 y’itegeko N° 21/2012 ryo kuwa 14/06/2012 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi iteganya ko ‘’Urubanza rushobora gusubirishwamo ingingo nshya kubera imwe muri izi impamvu: … 3° kuva ▇▇▇ urubanza ruciriwe habonetse ibimenyetso bya kamarampaka bigaragaza neza akarengane katewe n’urubanza rusabirwa gusubirwamo; icyo kimenyetso cyaba kiri mu nyandiko zatanzwe mu rubanza ariko urukiko ntirukibone cyangwa cyaragaragajwe nyuma, … 6° mu icibwa ry’urubanza hakozwe amakosa akabije yo kwitiranya uko ibintu byagenze cyangwa hashingiwe ku itegeko ritariho’’.

30. Ingingo ya 289 y’itegeko N° 21/2012 ryo kuwa 14/06/2012 ryerekeye imiburanishirize y’imanza z’imbonezamubano, iz’ubucuruzi, iz’umurimo n’iz’ubutegetsi iteganya ko ‘’Iyo ikintu kitimukanwa gisangiwe n’abantu benshi, uberewemo umwenda abanza kuregera urukiko ngo rukibagabanye cyangwa rukigurishe’’

31. Urukiko rusanga ibivugwa na Me RWABUSAZA Thierry na Me MURASIRA Appolinaire ko urukiko rwarirengagije kutita ku kimenyetso cy’uko ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ na ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇ inzu iri mu kibanza N° 965 buri wese ku kigero cya 50% bitahabwa ishingiro kuko, usibye no kuba iki kibazo kitaraburanishijwe muri urrwo rubanza, icyaburanwaga muri urwo rubanza ari ugutesha agaciro amasezerano y’ubwishingizi ku ngwate y’inzu iri mu kibanza kirikuvugwa muri uru rubanza yatanzweho ingwate n’umugabo umugore atabimenyeshejwe, muri urwo rubanza nta kimenyetso urukiko rwagaragarijwe kigaragaza ko uwo mutungo wagabanyijwemo kabiri, bikaba bigaragara rero ko muri urwo rubanza urukiko rwasesenguye iby’imitangire y’iyo ngwate rusanga yaratanzwe binyuranye n’amategeko ruyitesha agaciro;

32. Kuba Me RWABUSAZA Thierry na Me MURASIRA Appolinaire basubirishamo urubanza ingingo nshya basaba ko urukiko rwakwemeza ko ingwate igurishwa ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇ 50% y’iyo ngwate na banki igatwara 50% y’igice ▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇ Emmanuel, bikaba bigaragara ko iari ikirego gishyashya (une nouvelle demande) kuko nk’uko byavuzwe mu gika kibanziriza iki icyo kibazo kitigeze kiregerwa urukiko, kikaba kitagomba gusuzumwa muri uru rubanza, kuko nk’uko byemejwe n’urukiko mu rubanza RCOMA 00060/2016/CHC/HCC mu gika cya 19 iyo nzu yatanzwe isangiwe n’abantu babiri kandi yatanzwe batabyumvikanyeho, bityo rero igihe cyose hatigeze hatangwa ikirego mu rukiko rubifitiye ububasha nk’uko biteganywa n’ingingo ya 289 y’itegeko N° 21/2012 ryo kuwa 14/06/2012 ryavuzwe haruguru ngo uwo mutungo ugabanywemo kabiri, ibyo kugabanyamo kabiri uwo mutungo bikaba bitasuzumwa muri uru rubanza kuko bitari mu bubasha bw’ibirego biburanishwa n’inkiko z’ubucuruzi nk’uko biteganywa n’ingingo ya 2 y’itegeko Ngenga N° 06/2012/OL ryo kuwa 14/09/2012 rigenga imiterere, imikorere n’ububasha by’inkiko z’ubucuruzi.

33. Byongeye kandi hakaba hatagenderwa kuri “attestation d’emphyteose” cyatanzwe na “office du conservateur des titres fonciers” kuwa 22 Gashyantare 2012 ngo uru rukiko rwemeze ko uwo mutungo wagabanyijwemo mu gihe itegeko mu ngingo yaryo ya 289 y’itegeko N° 21/2012 ryo kuwa 14/06/2012 ryavuzwe haruguru riteganya ko hagomba kubaho icyemezo cy’urukiko.

34. Urukiko rusanga impamvu ziteganywa mu ngingo ya 186, 30 na 60 y’itegeko N° 21/2012 ryo kuwa 14/06/2012 mu gusubirishamo urubanza ingingo nshya nta

nimwe ababuranira banki bagaragaza yirengagijwe, kuko nta kimenyetso cyaba cyarirengagijwe mu guca urubanza RCOMA 00060/2016/CHC/HCC cyangwa cyaba cyaragaragajwe nyuma y’icibwa ry’urubanza cyangwa ▇▇ ▇▇▇ umucamanza abe yaritiranyije ibintu uko bitari kuko yasuzumye icyo yaregewe mu ngingo zacyo zose, bityo iri subirishamo urubanza ingingo nshya rikaba nta shingiro ryahabwa.

B. Ku birebana no gusuzuma ubujurire bwuririye ku ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇

35. Me HATEGEKIMANA Gratien asobanura ko asaba Urukiko ko rwategeka GT BANK RWANDA Ltd kwishyura uwo aburanira amafaranga 1.000.000 FRW yo gukurikirana urubanza na 900.000 FRW y’igihembo cya avoka. Ababuranira banki bakaba ntacyo bavuze kuri izi ndishyi.

UKO URUKIKO RUBIBONA

36. Ingingo ya 258 y’itegeko ryo kuwa 30 Nyakanga 1888 ryerekeye urwunge rw'amategeko y'imbonezamubano, igitabo cya gatatu ibyerekeye imirimo nshinganwa cyangwa amasezerano iteganya ko ‘’igikorwa cyose cy’umuntu cyangirije undi gitegeka nyirugukora ikosa rigikomokaho kuriha ibyangiritse’’

37. Urukiko rusanga indishyi z’igihembo cya avoka zisabwa zifite ishingiro ariko zikaba zigomba kubarirwa mu iz’ikurikiranarubanza ndetse zikaba zigomba gutangwa hashingiwe ku ngingo ya 258 y’itegeko ryo kuwa 30 Nyakanga 1888 ryavuzwe haruguru, kuko kuba GT BANK RWANDA Ltd yarashoye MUKAMANA ▇▇▇▇▇▇▇ ▇▇▇▇ uru rubanza nta mpamvu, kuba rero mu kuburana hari ibyo yatakaje nko gushaka no guhemba avoka umwunganira, ibyo yatakaje bikaba bigomba kwishyurwa na GT BANK RWANDA Ltd, bityo ikaba igomba kumwishyura amafaranga 700,000 y’indishyi z’ikurikiranarubanza zigenwe mu bushishozi bw’urukiko kuko izasabwaga zikabije kuba nyinshi.

III. ICYEMEZO CY’URUKIKO

38. Rwemeye kwakira ikirego cya GT BANK RWANDA Ltd gisubirishamo urubanza RCOMA 00060/16/CHC/HCC ingingo nshya kuko cyaje mu buryo bukurikije amategeko ariko rugisuzumye rusanga nta shingiro gifite.

39. Rwemeje ko nta gihindutse ku rubanza RCOMA 00060/16/CHC/HCC, usibye indishyi z’amafaranga 700,000 y’indishyi z’ikurikiranarubanza ziyongereyeho.

40. Rutegetse GT BANK RWANDA Ltd kwishyura ▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇ 700,000 y’ikurikiranarubanza.

RUKIJIJWE RUTYO KANDI RUSOMEWE MU RUHAME N’UMUCAMANZA MUTAJIRI MUNYAMBANZA ▇▇▇▇▇▇▇▇▇ ▇▇▇▇ N’UMWANDITSI KANANGIRWA Epiphanie

UMUCAMANZA UMWANDITSI

MUTAJIRI MUNYAMBANZA ▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇ Epiphanie

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