Je, nyumba bado ni asset ya uhakika kuliko asset zingine zote?

[Silicon Valley]

A Home is a Liability, Not an Asset
This is a crazy point when you first hear it. I thought so anyway. *By the way, we’re talking about buying a home to live in vs. buying a home to rent out. The thing we always hear is that a home is a good investment and that it is like paying yourself instead of paying someone else. When you’re old and gray, you will own the house instead of owning nothing if you rent. A nice side bonus to home ownership is that you can deduct mortgage interest on your taxes.

Sure, this is all great, but to Robert T. Kiyosaki, the book’s author, these points are irrelevant. His argument is that when you buy a home just to live in, you buy in to a liability. This home you are buying comes with many responsibilities, many of which are financial. You have to pay property taxes. You have to maintain the home when things wear out. You have to heat and cool the home. You also have to cut the grass, spray the weeds and rake the leaves in the fall. The bigger and/or more expensive the home you buy is, the more of a liability it becomes.

 

[bonna]

Oa, zaa watoto, malizia pesa yako kwenye nyumba ya kuishi, hamia halafu utumbuliwe. Watoto wakianza kuuliza mbona huendi kazini/mbona hujanunua luku/ mbona maji yamekatika n.k utajua kwamba nyumba sio asset in liability

okay...kwaio unachotaka kusema ni kua...ukipangisha..hautakua unalipa Luku au Maji, sikusomi kabisa....

mana nachoona hapa ni kua..endapo umepanga na umetumbuliwa...utadaiwa vingi zaidi, Kodi,luku,maji,ada

 

[bonna]

A Home is a Liability, Not an Asset
This is a crazy point when you first hear it. I thought so anyway. *By the way, we’re talking about buying a home to live in vs. buying a home to rent out. The thing we always hear is that a home is a good investment and that it is like paying yourself instead of paying someone else. When you’re old and gray, you will own the house instead of owning nothing if you rent. A nice side bonus to home ownership is that you can deduct mortgage interest on your taxes.

Sure, this is all great, but to Robert T. Kiyosaki, the book’s author, these points are irrelevant. His argument is that when you buy a home just to live in, you buy in to a liability. This home you are buying comes with many responsibilities, many of which are financial. You have to pay property taxes. You have to maintain the home when things wear out. You have to heat and cool the home. You also have to cut the grass, spray the weeds and rake the leaves in the fall. The bigger and/or more expensive the home you buy is, the more of a liability it becomes.

something which this Kawasaki guy fail to mention is...
when you rent...wont you do the same ? when you rent..wont you repair the broke n window? or cut the grass in front of your house?

cost of renting a family house for 5yrs Vs cost of constructing a family house for a lifetime
..

which is the best cost-effective approach of saving money??

 

[mossad 03]

Mimi ni valuer na nimesoma barchelor of science in Land Management(Real Estate) and Valuation pale ARDHI university

Despite of disaster iliyotokea kagera(Mungu awape unafuu ndugu zetu na azilaze Roho za Marehemu pema peponi) bado Nyumba itaendelea kuwa RELIABLE ASSET,kwa wanaotoa hoja kuwa asset ni lazima iwe inagenerate income warejee tena definition ya ASSET,haijasema popote kuwa ni lazima iwe inagenerate income but inatakiwa kuwa useful au with a valuable quality ili iwe asset

Suala la risk(tetemeko ni moja ya risk za real estate n real property in general) hakuna asset ambayo haina risk,kama kuna mtu yeyote anaijua asset au investment ambayo ni risk free au ina risk kidogo afu in a same time ina return kubwa anitajie hapa,,hata mkuu kiranga kataja kuwa the most reliable asset ni akili yako lakini unaweza kupata uchizi(mifano ipo) na akili yako isiwe useful tena,hakuna risk free investment

Sasa ukija kwenye ku quantify au kucompare risk kati ya asset/investment moja na nyingine ili ufanye investment decisions hapo ndipo nyumba(real estate) inapokua na lower risk and na return ya kutosha na YA UHAKIKA ZAIDI

 

[cumins]

Ili uiite nyumba yako ni asset lazima ujiulize inakuzalishia kitu gani kwa mwaka na thamani yake ya kuiuza kwa haraka ni kiasi gani kulingana na gharama za kuipata hiyo nyumba.

Kwa hiyo swali la msingi tu, ni kwamba watu wengi wamepigwa upofu na kuamini kwamba nyumba ni asset akati sio hivo.

Kuna vitu ni quality asset kuliko nyumba

Nyumba ni asets.
Kama ulivyosema unatakiwa uangalie inakuingizia kiasi gani kwa mwaka.
Kile kiasi ambacho ungekitoa kama kodi kwa mwaka ndio nyumba yako inasave.

 

[Loeli]

Ukweli nina interest na assets kwa kiasi fulani both fixed and liquid assets. Nitawekeza kwa maeneo yote ila asikuwambie mtu kama una liquid assets ukajua kucheza nazo utapata hela ambayo haina presha kabisa. Yaani unakaa unaiambia money to work for you and not you to work for money!!! This is my principle!!

 

[mashish]

Nyumba bado inakuwa ni asset iwe unaishi au umepangisha,

 

[cumins]

Mkuu, nashukuru umetupanua mawazo kwa mchango wako huu.

Anakudanganya huyo. Nchi za ulaya kumiliki ardhi sio kitu cha mchezo.kodi yake ni bora ukapange ni nafuu

 

[Mbekenga]

okay...kwaio unachotaka kusema ni kua...ukipangisha..hautakua unalipa Luku au Maji, sikusomi kabisa....

mana nachoona hapa ni kua..endapo umepanga na umetumbuliwa...utadaiwa vingi zaidi, Kodi,luku,maji,ada

Maana yangu in kwamba badala ya kutumia hela kwenye ujenzi wa nyumba ya kuishi ingetumika kujenga nyumba ya biashara au kuanzisha mradi wa uzalishaji Mali kwa hiyo hayo maswali ya watoto yasingekuwepo sababu kipato ni uhakika.

 

[Freelancer]

Baada ya tetemeko kuikumba mikoa kadhaa ya kanda ziwa,nimeanza kujiuliza kama kumilki nyumba bado ni asset ya kuaminika kama tulivyozoea.

Ni kawaida kusikia mtu anasema ukitaka kuwekeza na hela yako isipotee kirahisi,wekeza katika majengo na wala si vyombo vya moto au kitu kingine chochote.

Sometimes ni bora hata chombo cha moto unaweza kukikarabati kwa gharama ndogo na kikatengamaa kuliko hekalu lililoporomoka kutokana na tetemeko.

Baada ya tukio hili la tetemeko, nimeamini asset ni ile tu iliyowekewa bima na hata kama una jumba lako lakini halina bima, basi ujue unajidanganya tu maana moto nao hauwezi kukuacha salama.

Nasema hivi kwasababu naamini inawezekana zaidi ya asilimia 97 ya nyumba zilizobomoka hazikuwa na bima yoyote ikiwemo bima ya moto na wengi wao waliamini wameshajikomboa kimaisha kwa kumiliki nyumba bila kujali ni ya ukubwa gani ili mradi tu ana nyumba.

Tukio hili liwe funzo kwa watu kuwekea bima mali zao zikiwemo nyumba zao.

unajua maana ya asset? Tangu lini nyumba ya kuishi mwenyewe ikawa asset?

 

[Entim]

Kwanza kabisa nyumba sio asset per se...nyumba inaweza kua asset endapo tu itakua inakuingizia hela mfano kwa kuipangisha au shughuli yoyote ile ya kiuchumi...kama nyumba unaitumia kwa makazi yako binafsi hapo hakuna asset...

unaishi ndani ulipie kodi ndo itakuwa asset

 

[Lyamber]

unaishi ndani ulipie kodi ndo itakuwa asset

Umemaniisha nini hapo?

 

[NetworkEngineer]

Miongoni mwa assets muhimu ni makazi ya uhakika wewe na familia yako. Nyumba kukulipa sio lazima iwe in terms of direct monetary earnings. Fikiria ungelipa kiasi gani kuisitiri familia yako sio tu kwa makazi lakini na kero nyingine za kupanga.

Ni kweli mfano mtu mwenye watoto watatu plus house girl anahitaji nyumba ya vyumba vitatu au zaid..sasa kwa Dar hiyo ni laki 4 hadi 5 kwa mwezi..so mtu anakuwa hana amani kwani anaweza fikilia vipi siku akikosa hii kodi ya nyumba wapi ataiweka familia

 

[MTK]

Kuna maafa mengine kama tetemeko,mafuriko na majanga yanayosababiswa na ''act of God''...bima hazikingi.

Asante sana, huyu mshahara slip hakulijua hilo! Hivi anajua lolote kuhusu "Sink hole"?!

 

[Mnyoofu]

Nyumba ni asset kama unajenga zaidi ya moja halafu uzikopee benki, kama amana ya mkopo wako. Ila ukiwa unahifadhi pesa zako kwenye majengo, hapo utakuwa umebugi...siku moja utalia, mifano ipo mingi, kama kule marekani na ulaya, hasa pale unapotokea mdororo wa uchumi.