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Je Benki inayo haki ya kumfilisi mteja ambaye unaendelea kulipa mkopo wako kidogokodogo?

Discussion in 'Jukwaa la Sheria (The Law Forum)' started by imwan, Feb 9, 2012.

  1. i

    imwan Member

    #1
    Feb 9, 2012
    Joined: Feb 8, 2012
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    Kuna Mjasiriamali mmoja wa biashara ndogo ndogo (Small Scale Enterpreneur) alikopa toka Benki moja hapa nchini kwa makubaliano ya kurejesha mkopo kwa kiasi cha shs.289,000.00 kila mwezi. Biashara yake ikaenda mrama kwani aliyemkabidhi kuendesha biashara yake ametoroka na mtaji pamoja na faida kabla mkopo haujamalizika kulipwa wote. Naye sasa anarejesha mkopo huo kutokana na mshahara wake ambao kwa nafasi ya kazi yake haufikii kiwango cha marejesho ya mkopo alichokubaliana na Benki hapo awali. Ati Benki hiyo inataka kumfilisi kwa kukamata mali zake na kuziuza ikiwamo nyumba yake ya familia ili kufidia deni lililobaki. Je hatua hiyo ya Benki ni sahihi na halali katika macho ya sheria za Tanzania? Huyu Mjasiriamali maskini anaweza kusaidiwa vipi?


    imwan
     
  2. mikatabafeki

    mikatabafeki JF-Expert Member

    #2
    Feb 9, 2012
    Joined: Dec 29, 2010
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    sio kweeeli ila inauzwa mali yoyote ile kwa gharama tu aliyokopea hata ka ni nyumba itauzwa kwa gharama hyohyo
     
  3. Mr Rocky

    Mr Rocky JF-Expert Member

    #3
    Feb 9, 2012
    Joined: Oct 10, 2007
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    Je hiyo nyumba ni moja ya collateral za mkopo huo
    Na je familia yake inahusika katika mkopo huo kwa maana kama ni mke je mume wake anajua na kama ni mume je mke wake anajua
    Kama nyumba hiyo sio mojawapo ya collateral za huo mkopo sidhani kama bank wanaweza kuiattach na kuiuza na haswa ikiwa ni matrimonial house
    Wanachoweza bank kushika ni zile mali ambazo zilikuwa kama collateral kwenye mkopo husika
    Bank wako makini sana kwenye issue ambazo zinahusika na familia haswa mali ambazo ni matrimonial kama nyumba
     
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