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Down payment...?

Discussion in 'Habari na Hoja mchanganyiko' started by Pundamilia07, Feb 9, 2009.

  1. Pundamilia07

    Pundamilia07 JF-Expert Member

    #1
    Feb 9, 2009
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    Ndugu zangu wanaJF, mimi ninatafuta nyumba ya kupanga hapa mjini, hebu nisaidieni, hivi kweli ni halali huyu Bw. Kyaruzi kunitangulizia mkwara mzito huo wa USD 10,000 kabla sijatia mguu ndani ya nyumba ilihali kodi ni USD 1000 kwa mwezi?

    A house for rent, located at Sinza Mori, fully furnished and has AC in all rooms. The rent is $1000 per month. Contact Kyaruzi at +255799000100. The down payment of $10,000 USD is required when you want to get in the house.
     
  2. M

    Mfumwa JF-Expert Member

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    kwani unatafuta nyumba eneo gani?, na iwe na vitu gani?. Manake bei ya nyumba hutofautiana kati ya eneo na eneo, na pia vitu ilivyokuwa navyo.
     
  3. Nyambala

    Nyambala JF-Expert Member

    #3
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    Mkuu yameshawahi kunikuta hayo, and the funy thing utakuta hiyo nyumba maji, umeme, na hata barabara ya kufika hapo haipo. Well alternatively kuna apartments pale Mikocheni maeneo ya kwa Nyerere price ni the same ($1000) per moon na huhitaji hiyo down payment.
     
  4. Pundamilia07

    Pundamilia07 JF-Expert Member

    #4
    Feb 9, 2009
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    Mkuu,
    Mimi sina tatizo sana na hiyo USD 1000, tatizo langu ni huo mkwara wa down payment ya USD 10,000 mimi ninaona tuna matatizo katika kutoa huduma zetu hapa bongo. hebu fikiria, ninataka kupanga nyumba kwa bei ya USD 1000, bado mwenye nyumba anataka nihamishe 'working capital' yangu kwake? Kwanini atake down payment 10 times ya kodi ya mwezi? At least ningeelewa kama angetaka one month deposit.
     
  5. M

    Mfumwa JF-Expert Member

    #5
    Feb 9, 2009
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    Mheshimiwa, nami sikuwa namaanisha kuwa unatatizo na hiyo fedha, ndio maana nikakuuliza unatafuta nyumba maeneo gani? na iweje?. Kwa hapa nilitaka kukusaidia kama tunavyosaidiana ili usisumbuliwe na hao watakao "down payment" tena kubwa mno. Kwanini nilitaka jua eneo, naweza kukuunganisha na mtu mwenye nyumba Msasani, kumbe wewe unataka Mabibo. Pia yawezekana ukapata nyumba nzuri kwa bei ya chini ya hiyo, kwa maeneo uyatakayo. Kila jema katika kutafuta nyumba.
     
  6. K

    Kokolo JF-Expert Member

    #6
    Feb 9, 2009
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    Angalia sana majina ya akina kyaruzi, kyokusoberwa, kokumbaza, koku, kyamalezi, Lunyegasha, lutashobya, shomile, kyamabezi n.k watakushomeleza mpaka utalia mawe mawe
     
  7. M

    Manitoba JF-Expert Member

    #7
    Feb 9, 2009
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    Kama hajakwambia hivyo halafu baadaye ukiwa ndani ndio anakwambia hivyo, na kama ni tofauti na mlivyokubaliana, basi pengine hapo ndio unaweza kusema si halali.

    Mimi nasikiaga wanatakaga down payment ya malipo ya miezi 6 au mwaka, na hii ni kwa zile zetu za bei rahisi :)

    Pole sana mheshimiwa, lakini nadhani ndio soko huria linavyofanya kazi. Muuzaji yeyote awe huru kuingia au kutoka katika biashara flani. Na mnunuzi awe huru kununua anapotaka. Na kila mmoja awe huru kuweka masharti yake. Wakiafikiana basi biashara inafanyika.

    Sitashangaa kusikia mtu anataka watawala waanze kupanga bei za nyumba, na kiasi gani kitolewe in advance. Ila naamini soko huria huwa linafanya kazi likiachiwa lifanye kazi. Kwa kesi hii, huyu jamaa akikosa mtu wa kumueka ndani, atabadilisha tu masharti yake. Akipata ndio hivyo tena, ujue kwamba kuna mtu ameridhika na masharti yake.

    PS: Naomba mtu asini-blast tena na kunitolea macho kwamba bei ya mafuta sijui imefanya nini ... lile sio soko huria. :)
     
  8. M

    Mafuchila JF-Expert Member

    #8
    Feb 9, 2009
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    Kaka hiyo sio biashara wala soko huru, hiyo inaitwa anarchism. Sibishi kuwa haiwezekani kuwa na hali kama hiyo, kwani Somalia inaendelea, lakini kwa nchi yenye 'serikali' kama yetu, hiyo huwa inaitwa fujo. Kwa kifupi kama unaamini kuwa soko huria linafanya kazi likiachiwa lifanye kazi, muulize Bush au Obama, ambao ndio walimu wetu wa mfumo huo.
     
  9. Pundamilia07

    Pundamilia07 JF-Expert Member

    #9
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    Wadau,
    Mimi sikatai kuwa soko biashara itawaliwe na nguvu ya soko, lakini ninajaribu kuangalia bila ya mafanikio justification ya kutakiwa kutanguliza USD 10,000 ambazo ninaona kuwa ni nyingi sasa nikilinganisha na kodi ninayotakiwa kulipa kwa mwezi.
    Labda mnisaidie zaidi, hivi ni sababu gani hutumika Tanzania kutanguliza down payment ambayo ni mara kumi zaidi (1000%) ya kodi?
    Je, kwa wale wanaoishi nje ya Tanzania wanaweza kutuambia huko wanafanyaje, wanatoa down payment ya asilimia kubwa kama hiyo?
     
  10. M

    Mtu wa Kawaida JF-Expert Member

    #10
    Feb 9, 2009
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    Nje mara nyingi watakuomba kodi moja (one month rent).
     
  11. M

    Manitoba JF-Expert Member

    #11
    Feb 10, 2009
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    Labda utuambie definition yako ya anarchism, maana sioni ni kwa jinsi gani iko applicable kwa case hii. ( Anarchism - Wikipedia, the free encyclopedia ). Unless uniambie kuna sheria bwana Kyaruzi anazivunja, anarchism is in the other extreme kabisa. Kuifananisha case hii na somalia kidogo kaka imepitiliza.

    Unachanganya ubepari na soko huria kaka. Ni consept mbili tofauti. Na ukweli ni kwamba wapo mabepari ambao hawapendi soko huria, na hujikinga na soko huria kwa kutumia monopolies na cartels ili kufanikiwa kupanga bei.

    Soko huria haimaanishi hakuna taratibu, au haimaanishi sheria zisifutwe. Soko huria maana yake rules are set na zinakuwa applicable kwa kila mshiriki katika soko sawa sawa. Soko huria maana yake bei ya kitu au huduma ni makubaliano ya hiyari kati ya muuzaji na mnunuzi.

    Wengi tunalalamikia soko huria pale tunapokuwa wanunuzi, halafu hatukubaliani na bei za wauzaji. Wewe ukitaka kuuza kitu chako ungependa upangiwe bei? Sasa mbona unapenda mwingine akitaka kuuza chake apangiwe? Mda si mrefu mtu atalalamika Kempisk wapangiwe bei ili sote tufaidi.

    Pale unapoona umeuza kitu chako kwa bei unayotaka mwenyewe, basi ujue soko huria hapo limefanya kazi. Ninauhakika usingependa serikali ikupangie bei ya gari yako au redio yako utakapotaka kuiuza. Yes, kuna maeneo soko huria halifanyi kazi na inabidi kuingilia kati. Lakini kulalamikia soko huria kama ni lidudu ambalo halitakiwi kuwepo, na wakati wewe wenyewe unalitumia kila siku pengine ni aina ya unafiki, au kutokuelewa kinachoendelea.

    Kama sentensi yako kuhusu obama na bush inamaanisha li credit crunch ni kwa sababu ya soko huria, ningekushauri ufuatilie vizuri zaidi. Na jibu lingekuwa ni rahisi tu kwamba ni kwa sababu soko huria ni kitu kibaya, basi tungeeona wakijaribu kurekebisha kwa kuanza kupanga bei za vitu ... na cha kwanza ambacho wangeanza nacho ni kupanga bei za share zinazoporomoka kila siku na kuhakikisha kwamba haziporomoki maana wananchi wao wanapata hasara na wengine hata wanajiua. :)
     
    Last edited: Feb 10, 2009
  12. M

    Mkandara Verified User

    #12
    Feb 10, 2009
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    Pundamilia07,
    Mkuu wangu ndiyo Bongo hiyo, hutaki wapo kibao watakao chukua tena bila hata kuuliza fedha ya EPA bado ipo mtaani..
    Ni makosa juu ya makosa na usitegemee serikali kuamka leo au kesho..
    1.Kwanza tazama jamaa anataka in Dollars!..kavunja sheria!
    2. Wapangishaji karibu wote kama sio asilimia 80 hawalipi kodi ya Upangishaji hii ni pamoja na viongozi wenyewe ambao wana majumba wanapangisha viel vile!..Kwa hilo pato la kupangisha nyumba hali hesabiki ktk mapato ya mtumishi wa serikali isipokuwa ule mshahara wake na biashara yenye liseni..Kisha mnasema Mkapa aliweka msingi bora wa ukusanyaji kodi!..damn!

    Hata hivyo, sidhani kama kupoangisha nyumba Tanzania unahitaji liseni!..
     
  13. M

    Manitoba JF-Expert Member

    #13
    Feb 10, 2009
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    Kweli, pengine hiyo haijakaa vizuri kwa mpangaji.

    Lakini kumlazimisha huyu jamaa achukue kodi kwa mwezi pia si sawa kwa sababu ni nyumba yake, na hata kupangisha ni hiyari yake, hata kama hana justification. Ukimlazimisha atozo pango kwa mwezi, na ikatokea kwake hiyo "hailipi" halafu akaamua asipangishe tena, je mtatunga sheria nyingine ya kumlazimisha apangishe kwa nguvu?

    Kama hatapata mtu wa kupangisha kwa terms hizo, basi atalazimika kubadili terms zake ili apate mtu. Wewe jaribu kumsomesha, asipoelewa tafuta nyingine. Ndio soko huria linavyofanya kazi.

    Ningemshangaa kama na yeye angekuja hapa halafu alalamike hivi "hivi kwa nini watu hwataki kunilipa advance ya 10,000USD? Kila anayekuja anataka alipe mwezi mmoja. Hivi wanajua imenigharimu kiasi gani kuitengeneza hii nyumba? Mtoto wangu anatakiwa aende shule j'berg na sijamalizia ada, hivi wanafikiri nitaitoa wapi? Bado nyumba yenyewe hata sijamaliza deni lake. Naomba serikali inisaidie jamani ..." . :)

    Naye pia ningemwambia ndio soko huria linavyofanya kazi ... :)

    Mzee Pundamilia kila mwenye nyumba ana sababu zake za kutaka pango ya miezi kadhaa mbele. Tungeweza kupata sababu moja kama aina hiyo ya utozaji pango ingekuwa ni sheria, maana tungeweza kuhoji mantiki ya kupitisha sheria hiyo.
     
  14. Lole Gwakisa

    Lole Gwakisa JF-Expert Member

    #14
    Feb 10, 2009
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    Kwa hizo $10,000 na $1,000 kwa mwezi tosha kabisa kupata kiwanja chako na kujenga ingalau vyumba viwili.
    Hat yeye huyo kyaruzi hakujenga kwa siku moja.
     
  15. Pundamilia07

    Pundamilia07 JF-Expert Member

    #15
    Feb 10, 2009
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    Ahsanteni wadau kwa michango yenu mizuri.
    Nilikuwa ninajaribu kuangalia what can be termed as the best practice inapofikia katika kutoa huduma kwenye maeneo kama haya ya upangishaji nyumba. Kwa mtazamo wangu ni kwamba inawezekana hili eneo haliangaliwi kwa maana ya kuweka at least some benchmark regulations ili kulinda maslahi ya mwenye nyumba as well as mpangaji.
    Sidhani sana katika hali ya ulimwengu wa leo unamtaka mtu atoe a down payment 10 times ya monthly rent kwa kupangisha nyumba, kama watu wakufanya hivyo wapo, basi ni kwani hatuoni financial products kama housing mortgage zikishamiri Tanzania.
    Nadhani kuna baadhi ya mambo yanaweza kuwa-regulate vizuri na kurekebisha uchumi kwa kiasi fulani, otherwise sioni sababu za mpangishaji kudai upfront rent ya 1000%
     
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