Naomba kuuliza hii kitu nimekuta watu wanabisha u turn blog kuhusu hili suala kiukweli kila upande umejaribu kujenga hoja nzito za utetezi lakini kwa kuwa mimi sio mchumi wala mhasibu nikaona niulete huku huu mjadala kwa kwa kuwa huku naamini kuna vichwa kwenye angle hii ya uhasibu na mambo ya uchumi kiujumla; Yupo mmoja kwa mfano kakitambulisha kwa id kama miss clueless anasema: "nyumba ni liability.. you pay all the electricity, gas, and water bills (do you say ni extra income?) repair sometime.. buy a bunch of stuffs for the "house" ...so ..nyumba ya mkopo ni liability..and your very own house usiyolipia mortgage inaweza kuitwa liability pia!" Huyu anajitambulisha as Miss Financial Advisor yeye anasema: "Mambo ya kucrem instead of learning ndo tonayoyaogopa. Nyumba is a personal asset as it increase in value (note the diff, its s not a business asset to generate income to ur company). Ur personal house is an investment like buying shares or gold. N the best thing about having nyumba especially in TZ s that its value increase every year, so when u decides to sell that house, u may even double the money from ur original investment. Be empowered. Akajibiwa na Anonymous hivi: Miss Financial Advisor, first...you shouldn't call yourself that because you shame us in finance. A house never appreciates in value only the land and you should know how to distinguish between a HOUSE and a PROPERTY. when you buy a land, build and sell it you are a property developer on into property business. However "when you decide to sell" a house which you've lived in it never appreciates due to depreciation and emerging new technology, therefore the appliances and fixtures such as your air condition systems etc would be extinct. i mean who would pay more for a house with AC yenye chogo linaloning'inia kwa nje??lol or a house with no tiles or old fashioned window frames etc Kiufupi mjadala ulikua mkali maamuma wa mabo hayo tumechanganyikiwa hatujui tumsikilize nani,tunaomba wataalam msaidie hapa NYUMA NI ASSET ama ni LIABILITY??????