Kinyarwanda: Ese amakuru yose agaragara mu nyandiko imenyekanisha amakuru y’ingenzi agomba kuzuzwa? yego.  ubwoko bwose bw’amakuru agaragara mu nyandiko imenyekanisha ry’amakuru y’ingenzi iri mu mugereka wa i w’aya mabwiriza agomba kuzuzwa kubera iyo nguzanyo keretse iyo atayerekeye– urugero: iyo ubwoko bw’amafaranga asabwa runaka (nk’amafaranga y’isaba) atajyanye n’inguzanyo runaka ubwo si ngombwa kuyuzuzaho. inama ku « miterere y’inguzanyo » 1.  ese iyo hakoreshwa igipimo ry’inyungu ridahinduka n’irihinduka mu bihe bitandukanye by’igihe inguzanyo izamara– ni ngombwa kugaragaza ko ubwoko bw’inyungu ari ijanisha ridahinduka cyangwa rihinduka? (urugero: inguzanyo y’imyaka 5 ifite igipimo cy’inyungu kidahinduka mu mwaka wa mbere ariko ikagira igipimo cy’inyungu ihinduka mu myaka isigaye, cyangwa inguzanyo ifite ibipimo by’inyungu bidahinduka binyuranye mu gihe cy’imyaka itandukanye) ugomba kugaragaza igihe hazakoreshwa igipimo cy’inyungu idahinduka n’igihe hazakoreshwa igipimo cy’inyungu ihinduka, urugero: « ridahinduka mu mwaka wa mbere na rihinduka mu myaka ine ya nyuma. « igipimo cy’inyungu fatizo»: ___% ku mwaka mu mwaka wa mbere, na ___% ku mwaka mu myaka 4 isigaye ». (ugomba kandi kwerekana ko ubwoko bw’inyungu ari ubudahinduka mu mwaka wa mbere ariko bukaba buhinduka mu myaka ine ya nyuma (utanga inguzanyo ashobora guhindura igipimo cy’inyungu gihinduka mu gihe inguzanyo izamara). 2.  ese ni irihe tandukaniro riri hagati y’ « amafaranga y’inguzanyo » n’ « amafaranga uzahabwa (nyuma yo kwishyura amafaranga yose ya za komisiyo n’umufuragiro) »? « amafaranga y’inguzanyo » ni amafaranga yose agize inguzanyo, hakubiyemo umufuragiro ubarirwa mu nguzanyo yose. « amafaranga uzahabwa (nyuma yo kwishyura amafaranga ya za komisiyo n’umufuragiro yose) » ni amafaranga y’inguzanyo ukuyemo amafaranga ya za komisiyo n’umufuragiro akurwa ku nguzanyo n’utanga inguzanyo – ni ukuvuga ko ari amafaranga uguza ahabwa mu by’ukuri nyuma yo kwishyura izo komisiyo n’umufuragiro. inama ku buryo « inguzanyo iteye n’uko ishobora kugereranywa n’izindi? » 3.  ese « igipimo cy’inyungu fatizo » ni iki? ni inyungu ikoreshwa ku nguzanyo igaragara mu imenyekanisha ry’amakuru y’ingenzi ibarwa ku mwaka. official gazette nᵒ 30 bis of 25/07/2016
English: Guidance on ‘services with this account’ 16.  do i have to include a service referred to in the kfs template if the service is not available with the account? yes, you must still include the row for that service, but you should specify “not available” next to the name of the service, as shown in the kfs template and delete other details prescribed for that service. 17.  what if the basis on which i charge a fee for a service differs from that referred to in the template (for example, what if i charge different fees for different types of cheque books)? you may amend a prescribed fee description only to the extent strictly necessary to ensure that the key facts statement is not misleading or deceptive in connection with the relevant account. for example, if you charge different fees for cheque books with different numbers of pages, or you charge a different fee for a cheque book if it is requested urgently, you should include that additional detail in the kfs, but you should otherwise follow the prescribed wording.  for example, where the template indicates “new cheque book: [no charge /  frw_________]” you could specify instead: “new cheque book (24 pages): frw_________ new cheque book (48 pages): frw_________” 18.  i charge interest on overdrafts on a monthly basis – can i disclose a monthly interest rate rather than a yearly interest rate? no, you must disclose the interest rate as an annual rate.  however, as shown in the template, you must also disclose the amount of interest that the consumer will pay for every  1,000 frw borrowed both per year and per month (calculated on a 30 day month).