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Kampuni ya mikopo ya nyumba yaanza nchini

Discussion in 'Habari na Hoja mchanganyiko' started by BAK, Jul 17, 2008.

  1. BAK

    BAK JF-Expert Member

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    Kampuni ya mikopo ya nyumba yaanza nchini
    Shadrack Sagati
    Daily News; Thursday,July 17, 2008 @00:04

    Kampuni ya kutoa mikopo ya Nyumba ya Tanzania Mortgage imezindua shughuli zake nchini huku ikiwataka wananchi kujitokeza kununua nyumba mahali kokote nchini huku wakilipia pole pole.

    Mtendaji Mkuu wa T Mortgage, Charles Inyangete, alisema jana kuwa kampuni yake imedhamiria kutoa mikopo kwa kila mwananchi ili mradi awe na kipato kinachoeleweka hata kama biashara yake ni ndogo.

    Alisema Watanzania walio wengi wanahitaji nyumba, lakini kutokana na gharama za nyumba kuwa juu wengi wao wameshindwa kujenga huku taasisi za kifedha zilizoko zikiweka masharti magumu ya kuwakopesha.

    Inyangete alisema kampuni yake inaweka utaratibu rahisi wa kuharakisha ununuzi wa nyumba kama mteja anavyonunua simu ya mkononi. “Kwa miaka mingi iliyopita imekuwa dhahiri kwamba soko la kumiliki nyumba nchini halihudumiwi vya kutosha.”

    Alisema upungufu wa nyumba unakadiriwa kuwa kati ya milioni mbili na tatu na huongezeka kila mwaka. Alisema wameanzisha T mortgage kusaidia kukabili upungufu huo kwa kuwapatia watu kama mkopo. “Kama kampuni tuna lengo moja tu la kuwasaidia Watanzania kupata nyumba wanazohitaji kwa urahisi…kwa kawaida umiliki wa nyumba nchini ni mchakato mrefu, sisi tunabadili hali hiyo.”

    Naye Mkurugenzi wa Mauzo wa T Mortgage Chriss Gumbe alisema anachotakiwa kufanya mteja anayetaka kununua nyumba kwa mkopo ni kwenda kuonana na uongozi wa kampuni hiyo na kueleza namna anavyopata kipato chake. Alisema kampuni hiyo inawasiliana na kampuni na watu binafsi ambao wanauza nyumba, hivyo mteja ambaye anaingia mkataba na T mortgage ananunuliwa nyumba hiyo na jina la umiliki linakuwa la kwake.

    Aliongeza kuwa mteja anachotakiwa kufanya ni kuiweka bima nyumba hiyo ili hata akifukuzwa kazi au biashara zake zikiyumba asije akanyang’anywa nyumba hiyo badala yake kampuni za bima zinachukua jukumu hilo la kuendelea kulipa mkopo huo. “Sisi mtu anakuja anatuambia kipato chake na sisi tunatathmini kuwa nyumba anayostahili kukopa thamani yake ni ya kiasi fulani…tunaanzia kutoa mkopo wa Sh milioni 15 kwenda juu,” alisema Gumbe.

    Alisema kwa sasa wanazo nyumba zaidi ya 1,000 ambazo kampuni yake imeshawasiliana na kampuni katika miji mbalimbali nchini hivyo watu ambao watahitaji kukopeshwa nyumba hizo wanalazimika kuwasiliana na T-Mortgage ili waweze kupatiwa mikopo hiyo. Utaratibu huo pia unawahusu Watanzania wanaoishi nje ya nchi ambao wanahitaji kununua nyumba wanaweza kuwasiliana na kampuni hiyo ili kurahisishiwa upatikanaji wa fedha.

    John Tate ambaye ni ofisa wa fedha wa T-Mortgage alisema watawasadia zaidi wateja wa kipato cha chini na cha kati wanaopata shida kumudu kodi kubwa na fursa chache za kukimbilia. Alisema kwa kutoa njia rahisi na ya haraka kwa wateja hawa kununua nyumba na kulipia polepole kwa kipindi fulani wanaweza kuhitimisha ndoto zao za kumiliki nyumba kuwa za kweli.
     
  2. Mhafidhina

    Mhafidhina JF-Expert Member

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    sizani kama hao watu wa kipato cha chini watafaidika. Kila Bishara inayoanza Tanzania tunaambiwa ni ya kunufaisha mtu wa chini matokeo yake tunaona taratibu, Bay Port finance ya Mama mkapa ilianza hivi hivi, unaskia waalimu wanavyolia huko? Mi nashauri watu wawe macho, unaweza ukakopeshwa nyumba, hio gharama ya amkopo ikawa ni sawa na kujenga nyumba nyingine tano, tuwe makini tusije TUKADANGANYIKA kwenye hili tena
     
  3. BAK

    BAK JF-Expert Member

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    Mhafidhina, ulichosema ni kweli kabisa. Inategemea riba yao kwa mwaka itakuwa kiasi gani. Maana kama unakopa milioni 100 halafu unatakiwa urudishe milioni 400 basi hakuna maslahi hata kidogo. Wakiweka ulafi kama wa fisadi mama Mkapa pembeni, wanaweza kupata wateja wengi sana ndani na nje ya nchi. Kama kuna yeyote mwenye more info kuhusiana na kampuni hii azimwage hapa au kama wana web site yao basi iwekwe hapa.
     
  4. Sam GM

    Sam GM JF-Expert Member

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    Maswala ya nyumba ni kuangalia sana kwa sababu mtu usipokuwa makini unaweza ukapoteza pesa yako na nyumba uliyokopeshwa au kupewa mkataba wa miaka 15 - 30.
     
  5. Sikonge

    Sikonge JF-Expert Member

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    Waambieni ndugu zetu huko Tz kuwa ukichukua Mkopo wa hawa watu na Anna Nkapa basi ni sawa na kwenda Sex Shop na kuchukua lile pila kubwa kabisa na kujishughulikia mwenyewe. Unamwacha jamaa wa sex shop katengeneza pesa nzuri tu na wewe na pila lako uko hoi. Na ukiwa mwanaume ndiyo ujue ile wanasema "...No Vaseline used.."
    Anyway acha watuibie kwanza na kidogokidogo na sisi tutaanza kuwa RAIA wa KIJIJI hiki cha GLOBE.
     
  6. Lambardi

    Lambardi JF-Expert Member

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    hahhaa a mimi niliuwa na wazo moja....hawa NHC,Lapf,NSSF,PPF....na wengineoo..wote wakusanyike waunde kamati kufanya mradi mkubwa sana wa nyumba za wafanyakazi na wafanyabiashara,wakulima...waweze kukopa....ninaamini itafanya kazi...na tena italeta tija kubwa sana sana......wajenge hata maghorofa ya sieze tofauti kutokana na kipato na uwezo wa watu mbali mabli...low,medium,high...........watu wauziwe nyumba,................wakatwe kidogo kidogo na ukichukuliaa amana zetu zimelala tuu huko kwao wanawakopesha wenye "access" na wahindi wanaojifanya wana akili zaidii na wanaowahonga .............rushwa tupu........fanyeni kitu kwa nchi yenu mkiwa na madaraka na si kujilimbikizia mali.....yaani nchi ndio inakufanyia jambo......badala ya nyie viongozi kuiffanyia nchi yenu............inasikitisha sanaa.......
     
  7. N

    Natasha Ismail JF-Expert Member

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    Skills,
    Hawawezi kutumia hayo mashirika kwani hawana mapenzi na nchi yao.
     
  8. Richard

    Richard JF-Expert Member

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    Hii si habari mbaya kwani anaonesha nia ya hawa watu kusaidia.

    Je hawa jamaa wana tovuti yao?

    Ningependa kuona kwamba hawa jamaa wanaeleza kila kitu pia kupitia mtandao au tovuti ili watu waelewe na wachanganue mchele na pumba.

    Ni katika zama hizi ambapo teknolojia imekua sana na sioni tatizo kama jamaa zetu hawa watashindwa kuwa na tovuti.

    Bila hivyo watakuwa hawaeleweki.
     
  9. Mambo Jambo

    Mambo Jambo JF-Expert Member

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    "Our interest rate will depend on type of house taken by our customers, but it ranges between 10 per cent to those who are paying in dollars and about 19 per cent to those who pay in Tanzania shillings," a source said.

    http://allafrica.com/stories/200807170395.html
     
  10. Watu

    Watu JF-Expert Member

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  11. Richard

    Richard JF-Expert Member

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  12. LazyDog

    LazyDog JF-Expert Member

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    Utaratibu huu upo, NSSF (kama sijakosea) washaanza. Walisema wanajenga nyumba bora za bei nafuu. Member wa NSSF ataweza kuchukua mkopo wa nyumba.




    Richard, hiyo ni lugha ya watu wa marketing.



    Wapewe fursa kuja kufanya biashara hata hivyo naungana na Mhafidhina kwamba ni muhimu kuwaelimisha wadanganyika kuwa makini, hali kadhalika kupata ufahamu mzuri kabla ya kukopa nyumba, fedha, nk.






    .
     
  13. Aiseam

    Aiseam Member

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    I Hope is a real mortgage company,because i just heared some fisadi's company is giving very expensive loan at the rate of 67% ,to the poor income people such as teachers and the other civil sevents.Remember that is bad time for economic slowdown due to high costs of living which is caused by high price of fuels,foods and bad politics around the world.Therefore please do not rush to take mortgage which can make your family restless in due course.
     
  14. Pundit

    Pundit JF-Expert Member

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    10%-19% interest rates?

    Kama hamna credit ratings bureau this scheme will be doomed from the start, kwa sababu ama itakuwa prohibitively expensive to the extent of excluding all but the very few, with those very few not needing a mortgage (19% interest rate plus insurance and tax plus the mortgage itself and other hidden costs) au kutakuja kutokea mortgage meltdown mbaya kuliko ya watu wa dunia ya magharibi sasa hivi.
     
  15. Z

    Zanaki JF-Expert Member

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    www.t-mortgage.com hio ndio website yao.Hawa watu wanajua wanachofanya.They are the ones who came up with the housing project kule kigamboni.It was the 1st of its kind in this country.They built over 100 houses,all have been completed and purchased.Sasa i think from that experience ndio wakaona kuwa kuna umuhimu wa kuwa na kampuni kama hii
     
  16. Kana-Ka-Nsungu

    Kana-Ka-Nsungu JF-Expert Member

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    Tusiwe negative kabla hata hatujaua what these guys can offer. Cha msingi ni kutokukurupuka kabla ya kuingia kwenye hizi deals, find all the info you need ikibidi hata uingie gharama za ziada ili upate expert opinions, kama hailipi sio lazima- anagalia ustaraabu mwingine.
     
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