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Bank gani inafaa kufungulia fixed account?

Discussion in 'Habari na Hoja mchanganyiko' started by NOT FOUND, Feb 23, 2012.

  1. NOT FOUND

    NOT FOUND Senior Member

    #1
    Feb 23, 2012
    Joined: Mar 14, 2011
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    NIAJE WAKUU. NINA KA AMOUNT KAMA MILION 5 HIVI AMBAZO ZIKO ACCOUNT NA SITEGEMEI KIZIINGIZA KWENYE BIASHARA WALA KIZIGUSA KWA MUDA WA MIEZI MITANO.

    SASA NIMEONA KULIKO KUIACHA KWENYE ACCOUNT NINAYOTUMIA, NI BORA NIFINGUE FIXED ACCOUNT ILI ANGALAU ZIONGEZEKE. NAOMBA WENYE UZOEFU MNISHAURI NI BENK GANI NZURI KWA HUDUMA HII? NA BAADA YA HUO MUDA NAWEZA KUWA NA ONGEZEKO LA KIASI GANI?

    Asanteni sana!!!
     
  2. Third Eye

    Third Eye JF-Expert Member

    #2
    Feb 23, 2012
    Joined: Jan 8, 2012
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    Habari ndugu,
    Sasa ni hivi, kila bank inatofautiana kutokana na faidaunazoweza kupata kwa kutumia fixed accounts, pia faida inategemea kiwango chafedha na muda unaoziacha pesa zako. Zaman niliwah kuziona za Exim Bank ilikuwani asilimia chini kidogo ya kumi. Nimejaribu kutazama kwenye web yao kabla sijakujibu itappears wameiondoa ile table iliyokuwa nayo.

    USHAURI WANGU.
    Jaribu kutembele matawi mbali mbali ya benki, utapatamaelezo mazuri na kuchagua mwenyewe. Ilakumbuka kuna kitu kinachoitwa compounding yaan tuchukue mfano Benk X wanatoa 8%per annum, then ukiweka 5mil per annum unatarajia kupata lak 4 kwa mwaka. Hivyobasi mwaka wa pili haitakuwa 8% ya 5mil ila ni 8% ya 5.4mil ukijulisha na ilefaida yako ambapo itakuwa 432,00 kwa hiyo itaendelea hivyo hadi mwaka wako watano.

    Good luck with your investment, na hongera kwa kuwaza hivyomaana Fixed Deposit ni confirmed profit
     
  3. D

    DOMA JF-Expert Member

    #3
    Feb 23, 2012
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    Diamond trust bank kaulize jamaa wanaliba nzuri
     
  4. N

    Ngarenaro JF-Expert Member

    #4
    Feb 23, 2012
    Joined: Nov 29, 2011
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    Nenda Tanzania Postal bank, wanatoa riba 7% na ndio bank wanayotoa riba nzuri tanzania nzima, niamefungua fixed deposit a/c hapo mwaka jana zitakazonisaidia kufanya masters degree mwaka huu
     
  5. Waberoya

    Waberoya JF-Expert Member

    #5
    Feb 23, 2012
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    Mabenki yetu ni kama hayana ushindani
     
  6. Lambardi

    Lambardi JF-Expert Member

    #6
    Feb 24, 2012
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    Ma benki mengi sanaaaa ila hayana ushindani kwenye fied deposit account..sijui watanzania hatuna hulka kuweka amana kwa muda kidogo ndio maana hakuna wazo kuzipandisha?
     
  7. Anheuser

    Anheuser JF-Expert Member

    #7
    Feb 24, 2012
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    Kama zinaongezeka kwa nini useme ni "fixed" account?
     
  8. georgeallen

    georgeallen JF-Expert Member

    #8
    Feb 24, 2012
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    Nenda FNB (first national bank) au Exim interest rates on fixed deposit = 11% p a.
     
  9. T

    TumainiEl JF-Expert Member

    #9
    Feb 24, 2012
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    Mkubwa Use NBC BANK IS THE BEST FOR FIXED DEPOSIT.
     
  10. T

    TumainiEl JF-Expert Member

    #10
    Feb 24, 2012
    Joined: Jan 13, 2010
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    Fixed account means hakuna riba itawekwa nje ya kile umeweka? It's fixed kwasabcu pesa unaweka inakuwa ktk muda maalumu na kwa mkataba maalumu, which means if is 5m for 3month huwez ongeza even 1m ktk kile kipind kama hakija isha? Hvyo ina manisha ukitaka ku ongeza unaifunga unafungua fixed nyingine ya 6m. That is the meaning of Fixed ac. Kuna other akaunt ktk kila bank na majina yake, kwa mfano Nbc kuna aina ya akaunt ambazo zinatoa riba, ila hazipo fixed the high you deposit, the high u gein interest, kama Malengo Akaunti, na akaunti ya akiba, pia zipo akaunti za watoto kama CHANUA AKAUNTI Ambazo ni nzuri kwa watoto walio under 18, zinariba nzur up 3% SO KAZI NI KWAKO.
     
  11. Mr Kiroboto

    Mr Kiroboto JF-Expert Member

    #11
    Feb 24, 2012
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    Wewe lazima utakuwa mfanyakazi wa NBC
     
  12. Mr Kiroboto

    Mr Kiroboto JF-Expert Member

    #12
    Feb 24, 2012
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    jamani wadau mbona hamuonekani.Wabeba maboksi tunataka tufungue a/c lakini hatujui ni bank zipi zina usalama zaidi ?Maoni wadau
     
  13. Abdulhalim

    Abdulhalim JF-Expert Member

    #13
    Feb 24, 2012
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    Hukuona kule alivokuwa anapondea M-Pesa na Tigo-Pesa?? wanalalama huku benki zao ni HOVYO KABISA, kueka au kuchukua pesa unapanga foleni ya masaa mawili, hawa na mapacha wenzao NMB..hovyo kabisa.
     
  14. Anheuser

    Anheuser JF-Expert Member

    #14
    Feb 24, 2012
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    Riba maana yake interest, sasa utasemaje "Fixed account means hakuna riba itawekwa nje ya kile umeweka"? Wewe huweki riba, unaweka principal.

    Mbili, kama unaweza kuifunga na kufungua nyingine kabla ya ule "fixed" muda then hiyo sio "fixed" kwa definition yako wewe ambayo muda ni fixed term.

    Tatu, kama ukitaka kubadilisha principal na kuikuza unachofanya ni kufungua akaunti nyingine inayojumlisha zile hela za mwanzo basi watakuwa wamebadilisha tu namba ya account na kimsingi utakuwa umeongeza hela kwenye 'fixed' account, kitu ambacho, again, kina contrast definition yako ya 'fixed' account.

    Nne, kama principal inaweza kuongezwa kwa kubadilisha tu namba ya account, na akiba inazidi kuongezeka, na hela zinaongezeka basi bado sioni kinachoifanya iitwe 'fixed' maana hakuna ambacho ni 'fixed.'
     
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