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Benki yenye riba nzuri kwa akaunti za muda maalum i.e fixed deposits rates

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by Zogwale, Aug 21, 2012.

  1. Zogwale

    Zogwale JF-Expert Member

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    Wakuu natafuta benki nzuri nchini ambayo ina riba nzuri kwa akaunti ya muda maalum. Nipe kiwango cha riba kabisa kama unafahamu. Kuna mwanangu yuko nje ya nchi anataka awe anaweka vihela vyake hapa Tz maana yeye ni mzalendo kama wazazi wake. N ka hela kake ni ka kudunduliza hakatoshi USISWI. Naomba majibu ya busara, niko serious na post nimepost mwenyewe hasa. Asanteni. JF kisima cha habari.
     
  2. Ruge Opinion

    Ruge Opinion JF-Expert Member

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    Zitembelee benki zenyewe au ingia kwenye tovuti zao. Taarifa za riba utazipata.
     
  3. Zogwale

    Zogwale JF-Expert Member

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    Asante Mkuu ngoja nianzie hapo.
     
  4. r

    rodrick alexander JF-Expert Member

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    exim wana riba nzuri miezi 3 riba 16% ila tatizo kiwango cha chini ni milioni 100 nilionana nao
     
  5. Zogwale

    Zogwale JF-Expert Member

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    Asante sana mkuu. Ila hicho kiwango sidhani kama anacho, hopeful ikiwa kama 50m watakuwa na riba nzuri pia. Ngoja ni chck nao nipata details zaid.
     
  6. King Kong III

    King Kong III JF-Expert Member

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    Da Hii mifuko ya Hifadhi ya jamii inatunyonya sana,naweka hela miaka mi5 nakuta ongezeko la 1.5%? Ni haki hyo?
     
  7. Z

    ZeMarcopolo JF-Expert Member

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    Mkuu, riba ya asilimia 16 kwa miezi mitatu ni sawa na asilimia 64 kwa mwaka. hakuna bank duniani inayoweza kufanya biashara ya namna hiyo, una uhakika umewaelewa vizuri walichokwambia? Na hicho kiwango cha chini si sahihi kwa sababu kiwango cha chini ni sh. laki moja au foreign currency (USD, EURO, Pound) 500

    Kuna deposit product ya exim inaitwa haba na haba, details zake hizi hapa Exim bank - Haba na Haba
     
  8. rmashauri

    rmashauri JF-Expert Member

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    Mkuu ZeMarcopolo,
    Benki wanapokuambia kuwa ni 16 % kwa miezi mitatu huwa hawamaanishi kuwa ukiziacha pesa zako kwa miezi mitatu wanakupa hiyo 16% ya amount uliyo deposit. Hizi asilimia zote ziko based kwa miezi kumi na mbili (i.e mwaka). Kwahiyo kama mtu anaweka assume 100 mil hesabu inakuwa ni 100milx16x3/12x100 = 3,999,999 na si 16,000,000. Hivyo ndo mahesabu yanavyokwenda mkuu.
     
  9. rmashauri

    rmashauri JF-Expert Member

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    Mkuu acha uongo. Exim Bank according to their website kwa kiwango cha zaidi ya mil. 50 wanakupa 3.5 % kwa miezi mitatu na si 16% kama unavyotudanganya hapa
     
  10. Z

    ZeMarcopolo JF-Expert Member

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    Kiongozi Mashauri, hilo nalijua. hata hivyo mchangiaji ndiyo aliyeelezea ndivyosivyo. bank inaweza kulipa quartely lakini percentage ni annual. Hata hivyo asilimia 16, hakuna bank duniani inayoweza hata kwa mwaka. Wawekezaji wote wangeikimbilia bank hiyo halafu ingecollapse. Labda waseme pesa zinabaki locked kwa miaka 25 na zaidi.
     
  11. rmashauri

    rmashauri JF-Expert Member

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    Mkuu benki yenye riba kubwa kuliko zote kwa TZ kwa fixed account kwa sasa ni First National Bank (FNB). Kwa viwango vyao gonga HAPA.



    Ila ZeMarcopolo ametoa wazo zuri kuhusu akaunti ya Haba na Haba ya Exim Bank kama anaweza kuwa anaweka kiwango fulani cha pesa kwa kila mwezi. Kwa mfano akiweza kuweka Tshs 515,000 kwa kila mwezi kwa miaka kumi anaondoka na kitita cha milioni 100 toa 10 % witholding tax ya faida. Yaani kwa miaka 10 atakuwa ameweka milioni 61.8 which means faida ni milioni 38.2. Hili ni deal la nguvu kuliko hizo fixes accounts.
     
  12. rmashauri

    rmashauri JF-Expert Member

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    Nakubaliana nawe mkuu. 16% kwa mwaka ndo almost viwango vinayotumiwa na mabenki kukopesha watu japo vinaenda hadi 24 %. Sasa ukiweka risks na gharama za uendeshaji haiwezekani yakatoa 16 % kwa fixed accounts yatafilisika. Hiyo benki aliyosema ya Exim inatoa 3.5 % tu kwa miezi mitatu kwa kiwango cha pesa kinachozidi milioni 50.
     
  13. Z

    ZeMarcopolo JF-Expert Member

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    Hii ni investment nzuri na ninaipendekeza kwa wanaoweza kuaffrod kwa sababu ifuatayo>>>
    Faida ya mil 38.2 ukitoa asilimia 10 ya tax inabaki 34.38 mil. Kwa wastani ni 2.865 mil. kwa mwaka au 238,750 sh. kwa mwezi.
    Which means that mtu mwenye account hiyo ni sawa na mtu mwenye nyumba anayopangisha kwa sh. 238,750 kwa mwezi. Pesa ulizoinvest ni sh mil 61.8 na umeinvest kidogo kidogo. Pesa hiyo usingeweza kupata nyumba ambayo ingekuingizia sh. laki mbili kwa sababu hukuwa nayo at once lakini through this haba na haba umenufaika sawa na mtu aliye na mil. 61.8 cash za kujenga nyumba na kuipangisha. Vilevile kupata kiwanja na kujenga sehemu ambayo utaweza kupangisha kwa sh. laki mbili ni vigumu iwapo capital ni mil. 61 tu.
    Kwahiyo, kama mtu ana uwezo wa kuwa na regular income ya kuinvest laki tano kila mwezi namshauri ajiunge na haba na haba account.
     
  14. rmashauri

    rmashauri JF-Expert Member

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    Umeichambua vizuri sana mkuu na mwenye kuelewa ameelewa. For sure nikimaliza ujenzi wa kibanda changu naanza kudunduliza kwa hii akaunti. Hii mifuko ya jamii pressure tupu.
     
  15. r

    rodrick alexander JF-Expert Member

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    [Mkuu acha uongo. Exim Bank according to their website kwa kiwango cha zaidi ya mil. 50 wanakupa 3.5 % kwa miezi mitatu na si 16% kama unavyotudanganya hapa ] Niliona tangazo la benki ya exim tawi la temeke pale kwenye ofisi ya TRA na hayo maelezo nilipewa na mfanyakazi wa exim benki sasa sijui mwongo ni mimi au mfanyakazi aliyenipa maelezo
     
  16. Zogwale

    Zogwale JF-Expert Member

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    Mkuu huu ni unyonyaji wa hali ya juu sana ndiyo maana watu wanaoelewa wanaweka angalao hela kidogo fixed accounts. Savings account nako ni balaa tupu kwa mfano CRDB ni less than 1.5% per annum wakati mikopo 23% bado fees kibao.
     
  17. Zogwale

    Zogwale JF-Expert Member

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    Mkuu ngoja nami nitapita benki chache halafu nitaweka findings hapa kwa faida ya wengine pia. Ila inategemea na mahitaji ya portifolio kwa benki zenyewe (loan portifolio). Benki changa mara nyingi ndizo zinataka sana fedha hivyo hua-attract fixed deposits. Kwa exim sijui sana maana ni benki kongwe kidogo, ngoja nikipiga hodi huko nitapata details nitarusha hapa.
     
  18. Zogwale

    Zogwale JF-Expert Member

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    Mkuu inakuwa ni 16/100*3/12*100,000,000 = 4,000,000 kwa miezi mitatu na si kama ulivyosema kwenye redi.
     
  19. Zogwale

    Zogwale JF-Expert Member

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    Mkuu ngoja nikawatembelee huenda wamebadili maana katika hints kwa baadhi ya marafiki walisema walikuwa na rate nzuri zaidi ya 10%.
     
  20. Zogwale

    Zogwale JF-Expert Member

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    Asante sana Mkuu. Nimeshai-print. Naona ni ya tangu 23/01/2012. Ngoja nicheck nao nijue kama kuna changes. Otherwise si mbaya sana kuliko kuwa savings ya less than 2% per annum.
     
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