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Fixed account za benk na utajiri wa haraka haraka - welcome

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by SAWEBOY, May 22, 2011.

  1. SAWEBOY

    SAWEBOY JF-Expert Member

    #1
    May 22, 2011
    Joined: Apr 6, 2011
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    Wakuu wana JF,

    Kuna tetesi kuwa ukifungua fixed account ya 10Million ktk benk za Exim, CRDB, Posta bank , NBC limited au NMB , kwa kila baada ya miezi mitatu - inazaa faidi kati ya sh. 1.8 mill up to 2.1 mil.

    Hii ina maana kuwa kwa muda wa mwaka 1, yaani 12 months unakuwa umepata faida ya sh.7.2 million up to 8.4 milion,

    Je hizo habari zina ukweli wowote? kwa anayefahamu plse naomba tufahamishe na sisi ili tuweze invest soon ktk hiyo fixed account.

    NB: Nimeuliza hilo coz nipo mbali kidogo, huku madongo kuinama ningekuwa jirani ningefanya follow up nije na data kamili


    Asanteni,

    Nawasilisha
     
  2. BLUE BALAA

    BLUE BALAA JF-Expert Member

    #2
    May 22, 2011
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    I know bank huwa interest rate hazitofautiani sana not sure if its BOT regulating it or not.
    Ila EXIM interest rate ya fixed & deposit A/C rate ni 6% kwa miezi mitatu so sijui hizo bank nyingine ulizotaja.

    SO 10 million +6% = tshs 600,000 kwa miezi mitatu.

    Hizo no data za ukweli toka Exim hata mimi ninayo hiyo account
     
  3. kanyagio

    kanyagio JF-Expert Member

    #3
    May 22, 2011
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    kwa hiyo tuwekeze kwenye fixed deposit?
     
  4. SAWEBOY

    SAWEBOY JF-Expert Member

    #4
    May 22, 2011
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    Asante mkuu kwa hiyo taarifa yenye uhakika kutoka huko EXIM Bank, hopeful wadau wengine watatuhabirisha juu ya benk nyinginezo kuhusu hilo jambo.

    Big up sana mkuu.
     
  5. O

    One Gentleman New Member

    #5
    May 22, 2011
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    Ninavyojua benki hufidia mfumuko wa bei hivyo haitaweza kuzidi asilimia 8.5 kwa mwaka na kwa miezi mitatu itaku kwenye asilimia 2.125. Millioni 10 zitakupatia Sh. 212,500 ndani ya miezi mitatu!
     
  6. CONSULT

    CONSULT JF-Expert Member

    #6
    May 22, 2011
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    JAMANI WANA JF KWANZA KABISA NAOMBA MCHUKUE TAHADHARI.., MARA NYINGI BANKERS HAWAKO WAZI KABISA,, YAWEZEKANA KUTOELEWA KWETU NDIO FAIDA KWAO., WANATOA/TANGAZA TAARIFA NUSUNUSU..

    wakisema 6% riba ni kwa mwaka sio hiyo miezi 3 anayotaja that means 6% gawa miezi 12 zidisha miezi 3= 1.5 % ..,
    hivyo basi kwa 10,000,000 x 1.5 % = shs 150,000 tu riba utakayolipwa

    mwisho wa kipindi hicho cha miezi 3 utakuta kwenye account 10 mln + 150,000=10,150,000= tu

    utakuwa umeliwa bora hata biashara ya mkaa., sidhani hiyo riba itakusaidia kulinganisha na mtaji huo. badala yake wao watamkopesha mtu hizo pesa zako na ku-charge 18% gawa 12 x 3 =4.5% x 10 miln = shs 450,000= km ni fixed loan.,,

    kwa maelezo zaidi waweza uliza.
     
  7. c

    ccr airtel Member

    #7
    May 23, 2011
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    haya maelezo matam sana nd thats how it is...Nazikumbuka hizi hesabu INTEREST OF 6% COMPOUNDED QUARTELY
     
  8. T

    Taifa_Kwanza JF-Expert Member

    #8
    May 23, 2011
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    Hakuna bank inayotoa interest ya zaidi ya asilimia mbili kwenye annual fixed deposits, hizo za miezi mitatu
    inategemea na treasury bills rate ziko vipi then wana qoute low.

    Kwa kifupi, usitegemee faida doing business with any bank in tanzania
     
  9. L

    LAT JF-Expert Member

    #9
    May 23, 2011
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    nakushukuru kwa kutoa neno lenye ukweli na lisilojulikana .... tz banks are the enemies of trade developments tunakwenda kwasababu tu hatuna namna ya kufanya ..... hata Olosugun Obasanjo aliwahi kusema kwamba in tz at a loan interest rate of 19% hata mfanyabiashara wa madawa ya kulevya hapati faida kubwa kama hii .... bank zinatukandamiza sana
     
  10. JoJiPoJi

    JoJiPoJi JF-Expert Member

    #10
    May 23, 2011
    Joined: Aug 8, 2009
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    Banks za bongo wizi mtupu
     
  11. Smarter

    Smarter JF-Expert Member

    #11
    May 23, 2011
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    Ukiwekeza kwangu kila mwezi nitakupatia TShs laki 6 monthly. so kwa miezi mitatu ni million 1 na laki nane, kwa mwaka ni million 7 na laki mbili.......but tunaingia mkataba wa miezi mitatu mitatu renewable.......................

    If you ARE interested ni PM for More clarifications
     
  12. Job K

    Job K JF-Expert Member

    #12
    May 24, 2011
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    Na mbaya zaidi hata BoT wamenyamaza tu wakiangalia wa-TZ wanavyosurubiwa na hayo mabenki! Sijui wako kwa faida ya nani?
     
  13. HAZOLE

    HAZOLE JF-Expert Member

    #13
    May 24, 2011
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    Jamani hivi hatuna strong consumer group hapa tz?? Maana mteja haelewi akimbilie wapi maana regulator/bot ndo amekuwa akishangilia tunavyoumia. Majibu plz
     
  14. B

    BENTA Member

    #14
    May 25, 2011
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    Commercial banks are there to make super profits hence do not put all your monies in one bank.
     
  15. Mkeshahoi

    Mkeshahoi JF-Expert Member

    #15
    May 26, 2011
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    No humanity in any businesss
     
  16. NGULI

    NGULI JF-Expert Member

    #16
    May 26, 2011
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    Hakuna kitu kama hicho bank zingepata loss.
     
  17. N

    Nyumbu- JF-Expert Member

    #17
    May 26, 2011
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    Mkuu,
    Hesabu zangu zinaonyesha kwamba for 10M @6% annual rate, for 3months period utapata 150,000 na siyo 600,000/- kama ulivyoonyesha hapo juu.
    I stand to be corrected

    Thanks
     
  18. pmwasyoke

    pmwasyoke JF-Expert Member

    #18
    May 26, 2011
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    Hakuna hicho kitu. Mbona wengi tungeacha kuhangaika tungewekeza katika fixed deposits tu! Hizo asilimia zinazotajwa ni kwa mwaka.​
     
  19. L

    Logician Senior Member

    #19
    May 26, 2011
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    This thread is very interesting - Tz Banks do charge transaction fees for ATM withdrawals/transactions. What ashame!

    Withdrawals were supposed to be free because I draw my own money which bankers lend at interest when they are idle.


    I suggest consumer pressure groups to start acting on this- it is not fair charges in the face of global competitions. Where is BOT?!
     
  20. Mfamaji

    Mfamaji JF-Expert Member

    #20
    May 26, 2011
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    Ni kweli kabisa .Why charges on ATMS?
     
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