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Faida zinazotolewa kwa fixed deposits accounts

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by Manyovu, Mar 2, 2012.

  1. M

    Manyovu Member

    #1
    Mar 2, 2012
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    Nimedunduliza na kufanikiwa kuwa na shilingi milioni ishirini (20,000,000/=), kwa kuwa sina mpango wa kufanya biashara sasa kwani inahitaji mipango na usimamizi wa karibu na mie bado nimeajiriwa ninafikiria kuweka hela zangu kwenye fixed deposit account ya benki yoyote nzuri.

    Ningependa kujua kwa wenye uzoefu, ni benki gani yenye rate nzuri ya fixed deposit. Ningetamani niwe naziweka kwa miezi mitatu mitatu (3 months fixed deposit). Je kwa hiyo mil 20,000,000/= faida baada ya miezi mitatu inaweza kuwa sh. ngapi? Ninafikiria miezi mitatu kwani nataka kuona kama inaweza kunipa angalau hata kiasi cha kusaidia kulipa ada ya watoto hiyo baada ya miezi mitatu.

    Natanguliza shukrani kwa michango yenu.
     
  2. M

    Manyovu Member

    #2
    Mar 3, 2012
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    Wandugu bado nasubiri kama kuna mwenye mchango wowote. Nataka kusikia mwenye uzoefu na benki yoyote kwenye hizi fixed deposit accounts.
     
  3. simplemind

    simplemind JF-Expert Member

    #3
    Mar 3, 2012
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    Benki nyingi nchini wanatoa riba chini ya 3 %. Ajabu lending rates zao ni kubwa mno hadi 16%. Jamani si huu ni wizi. Kampuni za simu zinatuibia na mabenki pia tutakimbilia wapi? Kumbuka pia zipo bank charges na inflation.
     
  4. SUPERUSER

    SUPERUSER JF-Expert Member

    #4
    Mar 3, 2012
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    jaribu first national bank..google them to find mo details
     
  5. MONTEGO

    MONTEGO Member

    #5
    Mar 5, 2012
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    yah check na FNB BANK
     
  6. N

    NINAHASIRA Member

    #6
    Mar 7, 2012
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    Jaribu AccessBank kaka they have very good rates!
     
  7. WA-UKENYENGE

    WA-UKENYENGE JF-Expert Member

    #7
    Mar 7, 2012
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  8. rmashauri

    rmashauri JF-Expert Member

    #8
    Mar 8, 2012
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    Aisee hawa jamaa rates zao zinatisha isije ikawa kama Meridian Biao Bank. Rates zao ni kubwa sana na nafikiri hakuna bank inayotoa interest kubwa kama hawa jamaa. Yaani hata savings akaunti unapata mpaka 9%? Au wanavutia wateja wakishapata wengi wanazipunguza kama Exim walivyofanya. Walikuja na interest rates nzuri lakini baada ya kuwa na utitiri wa wateja wamezipunguza.

    Kwa mwanzisha mada kwa mil. 20 unapata 8.5 % interest kwa miezi 3 (Fixed account). Kwa hiyo mwisho wa miezi mitatu unaondoka na mil 1.7 ambayo kama ni ada za watoto tu nafikiri inatosha sana vinginevyo wawe wengi.
     
  9. Caren

    Caren JF-Expert Member

    #9
    Mar 8, 2012
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    Kwa kuwa leo ni siku ya Wanawake nakushauri uende Benki ya Wanawake (TWB) pale posta ya Zamani. Kwa hiyo milioni 20 Utapata rate ya asilimia 7 na kama utapenda kukopa kwa kutumia fixed deposit yako utapewa mkopo kwa 12% ambayo ni rate nzuri sana. Kwa maana hiyo utakuwa unapata faida (interest rate) na unaweza kutumia hiyo FDR kama security ukakopa na kufanyia buiashara.

    Cha zaidi hizo hela utakazoweka zitakuwa zinatumika pia kukopesha wanawake wa hali ya chini wanaotaka kujikwamua. Na utakuwa umeweka fedha katika benki ya Kitanzania isiyomilikiwa na wageni na inayoendeshwa na wazawa.

    Kwa maelezo zaidi bofya hapa: TWB

    Sijui wajuzi wa mambo watasemaje lakini mimi nimefaidika na benki hii na najivunia na huwa natamani isambaze huduma zake Tanzania nzima lakini sijaelewa kwa nini hawafanyi hivyo wakati wana bidhaa nzuri!!
     
  10. Caren

    Caren JF-Expert Member

    #10
    Mar 8, 2012
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    Sina uhakika sana kama FNB wanatoa 8.5 kwa saving ya TZS 20 mil. Nafikiri ukiangalia matangazo yao wanasema wanatoa interest upto 8.5%! hii ni style ya marketing zaidi. lakini siusemei moyo maana huwa siziamini sana benki za kigeni ila jaribu maana no research no right to speak.
     
  11. CONSULT

    CONSULT JF-Expert Member

    #11
    Mar 8, 2012
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    Ndg yangu Mashauri angalia sana unaweza poteza ifuatayo ndio hesabu ya fix deposit;

    20,000,000 x 8.5% = 1,700,000 X 3 months = 425,000 - 10% tax = Tsh 382,500 hizi ndio faida utakayopokea tu.
    12 months

    OR

    20,000,000 x 8.5 x 3 = 425,000 - 10% = 382,500.
    100 x 12
     
  12. Rejao

    Rejao JF-Expert Member

    #12
    Mar 8, 2012
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    Kwenye hesabu zako upo sahihi kabisa! Tena kinachouma zaidi ni hiyo 10% Withholding tax wanayoikata
     
  13. N

    NasDaz JF-Expert Member

    #13
    Mar 8, 2012
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    Withholding Tax inaenda serikalini kwahiyo hapo FNB or any other bank hawapaswi kulaumiwa.
     
  14. Kibukuasili

    Kibukuasili JF-Expert Member

    #14
    Mar 8, 2012
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    Ndugu yangu nakushauri ufungue akaunti ya usd. Ukiwa na dola 10,000 kila inavyopanda kwa sh 10 tu wewe una laki. Najua kuna kushuka pia, lakini in the long run huwa inapanda. Interest rate iliyo chini ya inflation rate maana yake unapunjika. Wenye shule kamili watakuja kuweka kwa umakini zaidi.
    Halafu interest rate wanayotoa ni kwa mwaka, kwa hiyo kumbuka kuigawanya kwa miezi unayotaka kuweka hela yako na utoe withholding tax.
     
  15. M

    Manyovu Member

    #15
    Mar 8, 2012
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    Wandugu nashukuruni sana kwa msaada wenu, angalau nimepata mwanga japo mpendwa mmoja alikuwa amenishitua na angenifanya kesho kesho nikaenda benki. Kama kwa mil 20,000,000/= ningeweza kupata hiyo mil 1.7 baada ya miezi mitatu then hiyo ndo biashara pekee ningefanya lakini naamini alipitiwa.

    Naona asilimia wanazotoa ni ndogo sana ukilinganisha na riba wanazotoza kwa watu wanaochukua mikopo kwao. Nafikiri benki kuu inapaswa kuangalia hili angalau viwango vya riba visitofautiane saana kati ya fixed deposits rates wanazotoa na interest rates kwa mikopo wanayotoa.
     
  16. M

    Manyovu Member

    #16
    Mar 8, 2012
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    Kibukuasili nafikiri hapa una point nzuri, kama nikifungua dola akaunti na ikawa ni fixed deposit naamini nitakuwa na faida mbili. Moja ni hiyo asilimia ya faida wanayotoa na then exchange rate inawezekana ikawa imepanda kwa maana ya kuwa baada ya miezi mitatu naweza kutoa nikabadirisha katika madafu yetu na nikapata kafaida kanakotokana na exchange rate gain.

    Ubarikiwe
     
  17. Rejao

    Rejao JF-Expert Member

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    Mbona mkuu unapromote sana foreign bank? Inabidi utoe reference kwa local banks zetu!
    Ukiwa na 20m ni vizuri ukaangalia opportuinities nyingine lakini kwa Fixed deposit ni hasara tu!

    Wanaofaidi kwenye fixed deposit ni wale corporates wanaoweka bilions na rates zao ni 10+
     
  18. Caren

    Caren JF-Expert Member

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    Mar 8, 2012
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    Nafikiri anachotaka manyovu ni risk free investment na kama unataka investment isiyo na risk ni kuweka fedha benki maana unakuwa cushioned. Ila kama unataka fedha zaidi fanya biashara ila kaa ukijua the higher the risk the higher the returns and vice versa. Ila kwa ushauri tu pita kwenye benki upate ushauri wa kitaalamu zaidi.
     
  19. dubu

    dubu JF-Expert Member

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    Mar 8, 2012
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    sasa hivi zimepoteza mvuto sababu wanazigawa kama njugu. sasa wewe kama unasubili azipendishe zako na zake matokeo ndo hayo. yeye kwa sababu hajaandaliwa kajiandaa na wewe ni jukumu lako kujiandaa. yaani inakuwa kama punyeto tu unalala coz wanawake wengine mzigo. mapenzi ni kuandaana sio kuandaliwa. mwingine inafika wakati mwafaka ananuna hata kuongea hataki. haya niloongea ni heading tu.
     
  20. kichwat

    kichwat JF-Expert Member

    #20
    Mar 8, 2012
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    duh!? Hii togwa kwenye chai imeingiaje?
     
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