Repayment capacity, costs and preparation documents. Illustration.

Borrowing guide

Borrowing begins with preparation.

Prepare your purpose, figures and questions for INTSINZI. A lending decision follows the assessment of your application.

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Illustration.Credits ↗

THREE STEPS

Start here.

Describe its purpose
Describe the use of the funds, total project cost and your own contribution. For a business activity, prepare figures showing how it would operate.
Prepare your repayment plan
Record income, essential costs and existing debts. Consider how your plan would cope with a lower harvest or quieter trading period.
Discuss the requirements
Ask which loans are available, what documents are required and how the assessment proceeds. Keep a copy of the information you receive.

What to consider.

The total cost

Ask for written information about interest and other costs. Compare the amount you receive with the total to be repaid.

The repayment dates

Request the repayment schedule. Check how its dates align with when your income arrives.

When circumstances change

Contact the SACCO early if circumstances make repayment difficult. Ask how to seek guidance and follow up your concern.

YOUR PREPARATION COPY

Your borrowing conversation checklist

Mark the items you have prepared and download your list. It sends no information and does not confirm a service.

I can explain the purpose and amount needed.I have prepared income, expenses and existing debts.I have considered a period of lower income.I will ask what documents and security my application needs.I will ask for the total cost and repayment schedule.I will read the agreement and ask about anything unclear.

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For information on costs and agreements: BNR financial consumer booklet · BNR Gereranya. Confirm current details of your chosen service with the SACCO.

YOUR NEXT STEP

Tomorrow starts today.

Need clarity? Prepare your question and start an informed conversation.

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