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Benki ipi inafaa kufungua account ya limited company?

Discussion in 'Matangazo madogo' started by JF2050, Jul 30, 2012.

  1. J

    JF2050 JF-Expert Member

    #1
    Jul 30, 2012
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    Habari zenu wakuu,

    Nataka kufungua account ya kampuni (ltd), naomba mawazo yenu ni benki ipi nchini Tanzania iwapo nikifungua account ya kampuni itaniweka katika nafasi nzuri kiusalama na kimaslahi?

    Ahsanteni wakuu,

    classics
     
  2. Buggy

    Buggy JF-Expert Member

    #2
    Jul 30, 2012
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    Jaribu NMB. Kuna mtu ameniambia wana service nzuri kwa makampuni yanayofungua akaunti. Mie pia nategemea kuwaona ili nifungue akaunti ya kamapuni. Tembelea tovuti yao upate taarifa zaidi.
     
  3. Buggy

    Buggy JF-Expert Member

    #3
    Jul 30, 2012
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    [h=3]Small and Medium Enterprises Loans[/h]These are small and medium financing from TZS 7. 5 million to TZS 1 billion depending on the size, nature and viability of the enterprise to be financed. The credit tenor / term depend on repayment capacity, anticipated cash flows, credit amount and credit purpose.
    Benefits of NMB Small and Medium Enterprises Loans

    • It provides loan funds for both working capital and long term investment needs
    • Easy to obtain from our existing largest network of branches all over the country
    • Competitive interest rates
    • Our officers are regularly trained to equip the borrowers with business skills
    • Flexibility in repayments ranging from 12 months to 60 months depending on the purpose for the loan
    • SME's can graduate and become eligible for corporate loans within NMB. Corporate clients can borrow from TZS 1 bln upwards.
    • Flexible and appropriate installment terms for businesses with irregular cash flows.
    Eligibility for SME Loans

    • Application letter
    • Applicant must be at least 18 years of age with at least business experience
    • Cash flow projections for the period of the credit
    • Audited financial statements for the last three years and up-to date management accounts for financing above TZS 15Mln
    • Business License (certified copy) including from specific sector e.g. Pharmaceutical Board, liquor licence, forest licence, EWURA etc.
    • Tax Identification Number and Tax Clearance Certificate (certified copy)
    • List and certified copies of security/ collateral documents (with ownership documents) that may be pledged to the bank if the credit is granted.
    • Bank statement for at least recent six months with satisfactory account turnover
    • Valuation reports done by a professional valuer for financing above TZS 30 million attached with official search for the title deed.
    • Business plan for medium and large businesses and simple investment plan for small loans up to TZS 30 million
    • Bills of quantities, technical specifications and drawings if the loan is for financing the constructions.
    • Suppliers' invoice if the loan is for the purchase of vehicles, equipment, machinery or any assets of this nature
    • A photograph, in colour, of the business premise and asset(s) to be pledged as security (four dimensional photograph)
     
  4. A

    Asa79 JF-Expert Member

    #4
    Jul 30, 2012
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    Kuna benki inaitwa inakua kwa kasi sana wakati zingine zinadorola inaitwa accessbanki mimi niliisha fungua huko na kuna faida nyingi sana....tembelea matawi yao yaliyoko mawili kila wilaya ya dar es salaam
     
  5. J

    JF2050 JF-Expert Member

    #5
    Jul 30, 2012
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    Your elaboration sounds great, thanks Buggy.
     
  6. J

    JF2050 JF-Expert Member

    #6
    Jul 30, 2012
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    Ahsante Asa79, nitaangalia.
     
  7. Ndibalema

    Ndibalema JF-Expert Member

    #7
    Jul 30, 2012
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    Access bank ndio wale wezi wa umeme ambao waziri wa nishati aliwataja Bungeni?
    Hapana, sina imani nao kama umeme tu wanaiba je fedha za wateja wao inakuwaje?
     
  8. chash

    chash JF-Expert Member

    #8
    Jul 30, 2012
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    Mkuu, kuchagua benki inabidi ujiulize haina ya msaada unaweza kuhitaji kwao, ikiwa kampuni yako ina matawi mikoani au utahitaji kutuma hela mikoani uchague benki yenye matawi mikoani na hasa mikoa unayategemea kufanya biashara. Kama una safari za nje ya nchi uchague benki yenye wepesi wa kutoa visa, mastercard na iwe na wepesi wa international trade facilities kama Letter of Credit, remittances, bills nk. Kama utataka kutuma mtu akakuchulie hela benki kuna benki haziruhusi, utahitaji mikopo, mabenki yanatofautiana sana, angalia benki yenye mikopo unayo hitaji wewe. Zingatia yakwamba kuna benki zinazotoa mikopo ya mwaka mmoja tu na zingine hadi miaka mitatu na zaidi kwa mikopo yakawaida. kuna zinazotoa mikopo ya kujenga au kununua nyumba, mikopo ya kununua magari, kukarabati nyumba, mikopo pia inahitajika uwe na dhamana, kuna benki zinazokubali hati za makazi, zingine zina dai uwe na hati kubwa, kuna zinazo toa mikopo kwa dhamana ya vyombo vya ndani. Chunguza riba ya mikopo na hela unayo katwa mara kwa mara au bank charges.Zingatia kwamba benki ni msaada wa karibu kwa mfanya biashara na inabidi uchague kwa makini.
     
  9. J

    JF2050 JF-Expert Member

    #9
    Aug 1, 2012
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    Ahsante kwa ushauri mkuu. Ni muhimu kwangu kama bank ikawa na huduma nzuri kama fast and easy transactions but secured, remittance, forex services, reasonable service charges, inayotoa mikopo ya kutosha na isiyokuwa na masharti magumu, na mengineyo.
     
  10. marhaba

    marhaba JF-Expert Member

    #10
    Aug 1, 2012
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  11. J

    JF2050 JF-Expert Member

    #11
    Aug 3, 2012
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