Kinyarwanda: Iyo inyandiko imenyekanisha amakuru y’ingenzi yerekeye amasezerano y’inguzanyo, ifite igipimo cy’inyungu kidahinduka: ubwishyu bwawe ntibuzahinduka mu gihe cyishyurwamo icyo gipimo kidahinduka. iyo igipimo kidahinduka kidakurikizwa mu gihe cyose inguzanyo izamara, nyuma y’irangira ry’igihe cyishyurwamo ijanisha ridahinduka, igipimo cy’inyungu rihinduka rishobora gukurikizwa. muri icyo gihe, , iyo igipimo cy’inyungu gihinduka ryari kuziyongeraho 1% ku mwaka, ku ijanisha ry’inyungu rihinduka rikurikizwa ubu rya [ijanisha ry’inyungu rihinduka], ubwishyu bwawe mu cyumweru/ukwezi bwakwiyongeraho [impinduka ku bwishyu]. iyo inyandiko imenyekanisha amakuru y’ingenzi  ryerekeye amasezerano y’inguzanyo ku igipimo gihinduka: iyi ni inguzanyo  ifite  igipimo cy’inyungu gihinduka. iyo igipimo cy’inyungu y’inguzanyo  ufite riziyongeraho 1% ku mwaka, ubwishyu bwawe mu cyumweru/ukwezi bwaziyongeraho   [icyiziyongera ku bwishyu]. impamvu zishobora gutuma hakoreshwa igipimo cy’inyungu gihinduka ni izi zikurikira: (garagaza impamvu zituma  habaho iryo janisha rihinduka hano). inyungu zishyuzwa ku  amasezerano y’inguzanyo yawe zibarwa hakoreshejwe uburyo bw’ibara ry’ [igabanywa ry’inyungu]  [inyungu zidahinduka]: iyo hakoreshejwe uburyo bw’igabanywa ry’inyungu, ubwo inyungu zibarwa  ku mwenda usigaye mu gihe runaka bireba, aho kuba ku mafaranga yose y’inguzanyo. ugomba kandi kumenya ko:  amafaranga usabwa kwishyura akubiyemo inyungu za komisiyo n’umufuragiro yose azwi. ntihabarirwamo:  amafaranga  ayo ari yo yose azakoreshwa ku gikorwa gishobora kutazabaho (nk’urugero: amafaranga yishyurwa kubera ubukererwe mu kwishyura);   amafaranga asabwa na leta; cyangwa  amafaranga asabwa n’abandi. amafaranga ya komisiyo n’umufuragiro agomba kuba ateganijwe mu masezerano y’inguzanyo.  amafaranga asabwa akurikira azakurwa ku nguzanyo: (garagaza ubwoko n’ingano ya buri mafaranga asabwa n’igiteranyo cyayo cyose)  ingano y’amafaranga yishyurwa kuri buri bwishyu ishobora guhinduka igihe ijanisha ry’inyungu cyangwa amafaranga asabwa bihindutse ndetse n’iyo habayeho ubundi bwoko bw’inguzanyo,  ihinduka ry’igihe izamara cyanga  umubare w’amafaranga y’inguzanyo agahinduka. ndemeza ko ari ukuri: ________________________ izina n’umukono by’uhagarariye utanga inguzanyo: itariki: ndemeza ko nakiriye iri menyekanisha: __________________________ izina n’umukono by’uguza: itariki:
English: The interests on your loan contract are calculated using a [declining] [flat] method of calculation: if a declining method is used then interest is calculated on the outstanding balance at the relevant time, rather than on the full amount of the loan. you should also be aware that:  the amount required to be paid includes all known interest, fees and charges.  it does not include: - any fee for an event that may not happen (e.g. a late payment fee) - government charges; or - third party fees and charges. all fees and charges will be in the loan contract.  the following fees and charges will be deducted from the loan proceeds: (describe type and amount of each relevant fee or charge and the total)  the amount of each repayment may change if interest rates, fees or charges change and if a different loan type, term or loan amount applies.