Ebikwata ku byobugagga bbanka bye zitunda
Ebyobugagga bbanka bye zitunda, ebimanyiddwa nga ebyagyiddwa ku nnyini byo oba ebya bbanka (Bank Owned Properties - REO), bwe bimu ku mikisa gy’okussa ensimbi mu byobugagga ebitakyuka. Bino biba bizimbe oba ettaka bbanka bye zifuna oluvannyuma lw’abantu okulemererwa okusasula amabanja gaabwe. Okutegeera ebikwata ku byobugagga bino, okuva ku ngeri gye bifunibwamu okutuuka ku ngeri gye bigulibwamu, kisobola okuyamba abaguzi okukola eby’okulonda ebirungi. Okugula ebyobugagga bino kiyinza okuba omukisa omulungi eri abo abanoonya omuwendo omulungi oba abagazi b’okussa ensimbi mu byobugagga ebitakyuka.
Ebizimbe bbanka bye zigenze: Biki bino?
Ebizimbe bbanka bye zigenze bwe bumu ku bintu ebyobugagga (assets) ebisinga okwogerwako mu byobugagga ebitakyuka. Bino biba bizimbe, amayumba, oba ettaka bbanka bye zifuna oluvannyuma lw’okuggyako omuntu ebyobugagga bye (foreclosure). Kino kiba kikoleddwa olw’okuba nnyini kyo yale mererwa okusasula amabanja ge, gamba ng’amabanja ag’amaka. Olw’okuba bbanka teba ya kugula bizimbe, ebyobugagga bino biba bitundibwa okufuna ensimbi ezaawa obukopo. Omukisa guno gwa buli kika kya kizimbe, okuva ku mayumba ag’okubeeramu (residential) okutuuka ku bizimbe eby’obusuubuzi (commercial) n’ettaka etannazimbibwako.
Enkola bbanka gye zifunamu ebyobugagga bino
Bbanka zifuna ebyobugagga bino okuyita mu nkola y’okuggyako omuntu ebyobugagga bye (foreclosure). Kino kiba kiyita mu mateeka bbanka gye zifunira obuyinza ku kizimbe oluvannyuma lw’okuba nnyini kyo alemererwa okusasula obukopo obwamuweebwa. Bbanka bwe zifuna ekizimbe, zikola okunoonyereza ku mbeera yakyo n’okukola ebisaana okukitunda. Olw’okuba bbanka teba ya kutereka byobugagga eby’okubeeramu, ekigendererwa kyabwe kiba kya kukitunda mangu okufuna ensimbi zaabwe. Kino kiwa omukisa eri abaguzi n’abagazi b’okussa ensimbi okufuna ebyobugagga ku miwendo egiyinza okuba egy’enjawulo ku gya katale akalala.
Enkola y’okugula ebyobugagga bbanka bye zitunda
Okugula ebyobugagga bbanka bye zitunda kiyinza okuba enkola ey’enjawulo ku kugula ebyobugagga ebirala. Abaguzi basobola okufuna ebyobugagga bino okuyita mu bakolagana ne bbanka, abaguzi b’ebyobugagga ebitakyuka abakola ne bbanka, oba okuyita mu nsoliso ez’enjawulo. Olw’okuba bbanka zinoonya okutunda mangu, abaguzi bayinza okufuna amakubo (deals) ag’omuwendo (value). Kyokka, abaguzi balina okukola okunoonyereza okw’amaanyi ku kizimbe, kubanga kiyinza okuba nga kyetaaga okulabirirwa oba okuddaabirizibwa. Okufuna omukugu mu byobugagga ebitakyuka akola n’ebyobugagga bbanka bye zitunda kisobola okuyamba nnyo mu nkola eno.
Emigaso n’ebizibu by’okugula ebyobugagga bbanka bye zitunda
Okugula ebyobugagga bbanka bye zitunda kulina emigaso n’ebizibu byakwo. Ku ludda olulungi, abaguzi bayinza okufuna ebyobugagga ku muwendo ogw’okugaziwaza ensimbi (investment opportunity), naddala singa ekizimbe kiba kyetaaga okulabirirwa okutono. Bbanka ziyinza okuba nga zikola amakubo amangu okutunda ebyobugagga bino, ekisobola okuleeta omuwendo omulungi eri abaguzi. Kyokka, ku ludda olubi, ebyobugagga bino biyinzika okuba nga biri mu mbeera ey’okwetaaga okulabirirwa (distressed properties) oba okuddaabirizibwa kungi, kubanga kiyinza okuba nga tebyalabirirwa bulungi mu kiseera ekyayita. Kino kiyinza okwongera ku nsimbi eziteekwa okusasulwa oluvannyuma lw’okugula.
Okutegeera akatale k’ebizimbe bino
Akatale k’ebyobugagga bbanka bye zitunda kalina obutonde obw’enjawulo. Omuwendo gwa buli kizimbe gulina okwekkaanyizibwa mu bwangu bwagwo. Abaguzi balina okwetegereza akatale k’amayumba (housing market) mu kitundu kyabwe okusobola okutegeera oba omuwendo ogugulirwa gwa bwenkanya. Okugula amayumba oba ettaka (land) bbanka bye zitunda kiyinza okuba akatale akalungi eri abagazi b’okussa ensimbi mu byobugagga ebitakyuka (real estate investment). Okukola okunoonyereza okw’amaanyi ku muwendo gwa katale, ombeera y’ekizimbe, n’ebizimbe eby’okwetoloola kiyinza okuyamba okukola eby’okulonda ebirungi. Okutegeera enkola y’okutunda (sales process) nayo kikulu nnyo.
Okugula ebyobugagga bbanka bye zitunda kiyinza okuba omukisa gw’okufuna omuwendo omulungi, naye kyetaaga okutegeera obulungi akatale n’enkola y’okugula. Omuwendo gw’ebyobugagga bino gutera okuba ogw’enjawulo nnyo okusinziira ku kika ky’ekizimbe, ombeera yakyo, n’ekitundu we kiri. Wansi waliwo ekyokulabirako eky’obuwandiike ku miwendo egiyinza okwebuuzibwako:
| Kika ky’Ebyobugagga | Ekijjukizibwa ku Muwendo | Ebikulu eby’Okulabirira |
|---|---|---|
| Amaka ag’Okubeeramu | Okutandika ku UGX 50,000,000 | Kiyinza okwetaaga okuddaabirizibwa okutono oba okungi |
| Bizimbe by’Obusuubuzi | Okutandika ku UGX 200,000,000 | Omuwendo gutera okuba gwa waggulu, kyetaaga okwekkaanyizibwa okw’amaanyi |
| Ettaka Etannazimbibwako | Okutandika ku UGX 20,000,000 | Omuwendo gusinziira ku bunene n’ekitundu |
Emiwendo, obunafuna, oba ebiweesebwako ebiragiddwa mu kitundu kino biva ku by’amawulire ebisinga obupya naye biyinzika okukyuka oluvannyuma lw’ekiseera. Okunoonyereza okw’obuntu obw’enjawulo kuteekwa okukolebwa nga tennakola kintu kyonna ekikwata ku nsimbi.
Ebyobugagga bbanka bye zitunda bisobola okuba omukisa omulungi eri abaguzi abanoonya omuwendo omulungi oba abagazi b’okussa ensimbi. Naye, kiyinza okuba n’ebizibu byakyo, naddala bwe kiba kikwata ku mbeera y’ekizimbe. Okunoonyereza okw’amaanyi, okukola n’abakugu abatuufu, n’okutegeera obulungi akatale kiyinza okuyamba okukola eby’okulonda ebirungi n’okufuna omukisa gw’okugula ekizimbe ekirungi.
