Kamfanin Hada-hadar Bada Rance na Najeriya

**Kamfanin hada-hadar ba da rance na Najeriya Plc** (NMRC) an kafa shi a ranar 24 ga watan Yunin shekara ta 2013 a matsayin kamfanin iyakance abin alhaki na jama'a da ke rajista tare da Hukumar Tsaro da Kasuwanci (SEC) kuma Babban Bankin Nijeriya (CBN) ya tsara shi azaman cibiyar ba da kudi tare da ainihin aikin sake ba da rance.

An kafa NMRC ne domin cike gibin kudaden da ake kashewa na bada rancen gidaje da kuma inganta samuwar samar da wadatattun gidaje ga 'yan Najeriya ta hanyar samar da karin ruwa a kasuwar jingina ta hanyar jingina da bankunan kasuwanci. 

## Tarihi
Kamfanin Hada-hadar Bayar da Jinginar Najeriyar (NMRC) an haɗe shi azaman kamfani na iyakance abin alhaki na jama'a da aka ba da lasisi don samar da cibiyoyin bayar da lamuni ta hanyar samar da kuɗi na dogon lokaci a cikin araha mai rahusa, wanda kuma hakan ke ba da damar waɗannan cibiyoyin su bayar da jinginar ga 'yan Nijeriya, a cikin masu haya masu tsayi da kuma araha mai tsada.

NMRC ta sami Yarjejeniyar-in-ƙa'ida daga CBN a ranar 20 ga watan Yunin shekara ta 2013. Kamfanin ya zama an kafa shi ne a ranar 24 ga watan Yunin shekara ta 2013 kamar yadda Kamfanin Bayar da rance na Najeriya Plc kuma aka ba su lasisin yin aiki a ranar 18 ga watan Fabrairun, shekara ta 2015. 

## Shugabanci
Kwamitin gudanarwa na kamfanin NMRC suna da alhakin ƙirƙirar manufofi da dabarun Kamfanin kamar haka:

## Lambobin yabo
Kamfanin Bayar da Lamuni na Najeriya (NMRC) ya karbi lambar yabo a rukunin 'Bankin Ba da rance na Shekara' a karo na takwas na lambar yabo ta Bankin Afirka da aka gudanar a Kigali, Kasar Rwanda. 

## Rassa da rassa
Kamfanin Bayar da Lamuni na Najeriya (NMRC) yana da Jihohi guda 18 na gwaji a Najeriya inda gwamnoni suka riga suka kuduri aniyar tallafawa shirin na NMRC ta hanyar samar da yanayin da kamfanin zai sake samun kwarin gwiwar samun jingina da suka hada da Abia, Anambra, Bauchi, Bayelsa, Delta, Edo, Ekiti, Enugu, Gombe, Kaduna, Kano, Kwara, Lagos, Nasarawa, Ogun, Ondo da FCT. 

Kamfanin Refinance Company Plc (NMRC) yana da kusan mambobi banki na ba da lamuni na aro guda 20;

# Sterling Bank Plc
# Access Bank Plc
# Heritage Bank Plc
# Stanbic IBTC Bank Plc
# Infinity Trust Mortgage Bank Plc.
# Iyakan Gida na Gidajan Gida
# FHA Adana Gidaje da Lamuni Masu Iyakantacce
# Amintaccen Bankin Ba da rancen Jarin
# Bankin Jinga Gidaje na Imperial
# Abbey Mortgage Bank Plc
# Makarantar Bayar da Kuɗi & Lamuni Mai iyaka
# Platinum Mortgage Bank Limited
# Jubilee Life Savings & Loans Limited
# Haggai Savings & Loans Limited
# 'Yan Gudun Hijirar Gidaje da Lamuni
# Sabuwar Buildingungiyar Ginin Gwaji.
# Sun Trust Bank.
# Bankin Ba da rancen 'Yan Sanda na Najeriya.
# Mayfresh Tanadi & Lamuni Mai Iyaka.

## Yanayin Ayyuka
**Refinancing sake zagayowar**

Mataki na farko shine don wanda ya karɓi rance ya karɓi rancen lamuni daga mai ba da rance don shiga bisa laákari da ƙididdigar tsarin ƙasa da NMRC ta kafa; a sakamakon haka mai karbar bashi zai samar da bashin shugaban bashi tare da riba. Mai karba aro zai kuma bayar da jingina a matsayin lamuni kan dukiyar da za a saya.

Mataki na biyu shine ga masu ba da lamuni don ba da  rance tare da NMRC. NMRC za ta sake ba da rancen lamuni na banki tare da komawa ga cibiyoyin kudi. Mai ba da rancen lamuni zai biyo baya, ya ba da tsaro a kan jakar jingina don amfanin NMRC.

Mataki na uku shine don NMRC don ɗaga nata kuɗaɗen ta hanyar shiga kasuwannin babban birni da bayar da lamuni. Zai fitar da shaidu na kamfanoni, wanda ba ya ƙunsar kowane wucewa ta cikin haɗarin daraja da aka haɗe da jingina. NMRC tana aiki azaman matsakaici tsakanin masu ba da lamuni da kasuwannin ƙasa. Ta amfani da girma da ƙimar daraja, NMRC za ta iya tara kuɗi a rahusa mai arha. Wannan ya danganta ne ga masu hannun jari masu ƙarfi, tushe mai ƙarfi, kyakkyawan ƙimar kadarori a cikin littattafanta da gaskiyar cewa CBN da SEC suna tsara NMRC. 

## Ayyuka

## Duba kuma
Babban Bankin Najeriya

## Manazarta

## Hanyoyin haɗin waje

* Bayani na NMRC