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Benki inayotoa Mikopo kwa masharti nafuu Bongo

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by GAMBLER, Jun 10, 2010.

  1. GAMBLER

    GAMBLER JF-Expert Member

    #1
    Jun 10, 2010
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    Habari

    Wadau naomba mnijuze benki gani hapa bongo naweza kupata mkopo kwa dhamana ya gari
    au asset za nyumbani, Nimekutana na hawa Access bank ya Kariakoo, hawana masharti magumu na wanakopesha mpaka 10 million, lakini foleni ya kupata huduma unaweza kusubiri for 3 hours, naomba tujuzane benki ambazo wana service nzuri
     
  2. Bill

    Bill JF-Expert Member

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    na MFI pia au ni commercial Benki pekee
     
  3. M

    Malila JF-Expert Member

    #3
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    Ni access bank pekee, ila uwe mvumilivu mkubwa, kwingine ni mlolongo juu ya mizengwe.
     
  4. Masikini_Jeuri

    Masikini_Jeuri JF-Expert Member

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    Na tulioko mikoani wanakubali au ni lazima niwe mkazi wa Dar?
     
  5. Kamaka

    Kamaka JF-Expert Member

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    THANK YOU FOR THE WONDERFUL INFORMATION,

    Hii access bank inapatikana Arusha? if ipo can any body tell me where is it please
     
  6. M

    Malila JF-Expert Member

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    Sijui kwa hapo, ila mwanzoni nilikuwa nayaona majengo yao mpaka pale nilipoona nao wameingia Umoja switch ndio nikapata nafasi ya kuingia ndani nidodose.

    Kufungua a/c ni hela kidogo ajabu, kwa Dar sasa wamemeza walalahoi kama DECI vile, ila mikopo inatoka. Kusema ukweli wamejitahidi mpaka walipofikia. Sasa sijui yatakayofuata.

    Kwa Dsm wameenea vizuri hadi Uswahilini. Sijui mikoani.
     
  7. GAMBLER

    GAMBLER JF-Expert Member

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    MFI ni ipi bro?
     
  8. Lucchese DeCavalcante

    Lucchese DeCavalcante JF-Expert Member

    #8
    Jun 11, 2010
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    Bongo hakuna mikopo yenye kuwanufaisha wakopaji ni uwizi na ubabaishaji tu riba wanayocharge na masharti ni very unrealistic and completely unfair.

    Hebu fikiria eti kuna wale Blue financial services wana kupa mkopo wa TZS160,000/= na watakiwa kurudha laki 2 in one month?

    Wale Easy finance ndio usisema uwizi uwizi mtupu eti wao una mortgage gari, generator au laptop au nyumba ukipeleka gari wao ndio wanaevaluate utaambia gari la 10m thamani yake ni 5m na utapewa mkopo 70% ya mali yako na unakatwa 50,000 ya form, 50,000 ya evaluation na 50,000 loan processing fee na watakiwa kurudisha kwa miezi 3 kwa riba ya 22% WIZI MTUPU..

    Sijui Bongo tumelogwa ama vipi hivi hao BOT kazi yao nini?

    Kwenye mabenki ndio usiseme mikopo yenyewe masharti kibao mara lete cheti cha babu yako cha kuzaliwa mara riba 22-30% mara pitisha mshahara wako kwenye benki na ukipisha mkopo utausikia hewani au wanakupa mkopo ambao they are sure hutokusaidia chochcote maana riba ni balaaa
     
  9. The Boss

    The Boss JF-Expert Member

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    Riba ya access bank ni ngapi?
     
  10. NGULI

    NGULI JF-Expert Member

    #10
    Jun 11, 2010
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    Mkuu ni kweli kabisa mimi ningeshauri watu wawekeze/save zaidi ya kukopa mabenki au SACCOS ni umaskini
     
  11. The Boss

    The Boss JF-Expert Member

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    Sijajibiwa hapo juu
     
  12. NGULI

    NGULI JF-Expert Member

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    Access Bank ni microfinance Bank wana deal na wateja wadogox2 ambao hawana hata financial informations so interest rates zao ni flat na sio reducing bases hao wanaosema kuna unafuu nawashangaa sana.

    Google access bank tz utajionea mwenyewe
     
  13. M

    Malila JF-Expert Member

    #13
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    Mkubwa umesema vema, tatizo ni elimu ya uwekezaji, tungekuwa na elimu hiyo tusingelalamikia wageni eti wanapora rasilimali zetu kwa sababu wazawa wenyewe tungewekeza.

    Je unaweza kutoa darasa jinsi ya kuwekeza ktk eneo unalolijua? Unaweza kusaidia wengi.
     
  14. M

    Malila JF-Expert Member

    #14
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    Mkuu unafuu unaozungumzwa hapo/hapa si ukubwa au udogo wa riba, ni unafuu ktk kufikia dirisha la mtoa mkopo husika, habari za riba zitakuja baadae.

    Ilinichukua miezi mitatu kupata mkopo ktk benki fulani Bongo bado riba ni kubwa.
     
  15. Sikonge

    Sikonge JF-Expert Member

    #15
    Jun 11, 2010
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    Angalia Web site yao mkuu.......

    Access Bank : Tanzania

     
  16. D

    Dandaj Member

    #16
    Jun 11, 2010
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    3.5% p.m x 12 months = 42% p.a, je hiyo riba ya 22% p.a na hiyo ya access ipi nafuu?
     
  17. Bongolander

    Bongolander JF-Expert Member

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    Jun 11, 2010
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    Wakuu naona tungeomba JamiiForums ituwekee information kama hizi, ni muhimu sana. Inawezekana wengine tunaendelea kuwa maskini wakati mikopo ya kutuondoka wenye umaskini tunaweza kuipata kiurahisi.

    Nakubaliana na wanaosema kuwa benki nyingi hapa Tanzania kwenye upande wa mikopo ni wizi mtupu, na ni unyonyaji tu kwa wasio na uwezo na wasio na hope kabisa, hakuna msaada wowote. Lakini kama uwekezaji ndio solution lazima tujue kwamba uwekezaji huwa unaanza na mtaji.........so kama tukiwa na information (which is power) huenda tukaondokana na umaskini haraka.
     
  18. M

    MJM JF-Expert Member

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    Jun 11, 2010
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    Mikopo inatofautiana kutokana na maombi yenyewe. Kuna banks nyingi ambazo zinatoa mortgage financing kwa watu binafsi (unatumia nyumba kama security) hizi hutoa mikopo kwa muda mrefu sana kwa sababu kuna security hata interest rate ni ndogo na kiasi unachochukua ni kikubwa. Unaweza kwenda CBA wana mikopo unalipa hadi miaka ishirini na interest yao ni around 13% nk.

    Mkopo wenye security ndogo au bila security kabisa lazima uwe na interest rate kubwa maana hata risk ni kubwa. Financial instituion wanachoamini The higher the risk the higher the return kwa hiyo lazima wajitahidi ile kwako. Lakini pia ukichukua mkopo kwa muda mrefu lazima ulipe interest kubwa zaidi kutokana na time value of money. Kumbuka wakati wanakupa mkopo nao pia wanaingia gharama ya kupata fedha hiyo kwa kulipa interest kwa walioweka deposits, gharama za uendeshaji na risk.

    Tatizo hapa ni la BOT kama regulator kuweka interest rate ceiling ili kuzibana financial institutions zisizidishe interest rate. Kumbuka BOT wenyewe wamepanga banks interest rate for banks 19%.

    Umaskini wetu, kusinzia kwa serikali yetu na kutokuelewa pia vinachangia tushindwe kukopesheka. Hivi ni watu wangapi wana nyumba, Mashamba na properties za gharama lakini hazina hati au viko kwenye majina ya watu wengine?
     
  19. M

    Malila JF-Expert Member

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    Jun 11, 2010
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    Lakini bado baadhi ya mambo yanahitaji mikopo toka benki ili yafikie pale utakapo.
     
  20. S

    SUYA Senior Member

    #20
    Jun 12, 2010
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    Kaka hakuna kama access bank bongo jaribu matawi yao mengine ila jamaa wa mikopo si unajua tena wanakuzungusha ujue wanataka kitu kidogo
     
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