Dismiss Notice
You are browsing this site as a guest. It takes 2 minutes to CREATE AN ACCOUNT and less than 1 minute to LOGIN

Kwa wahasibu wetu: Nyumba ni 'Asset' au 'Liability'?

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by RON PAUL, Feb 29, 2012.

  1. R

    RON PAUL Member

    Feb 29, 2012
    Joined: Feb 26, 2012
    Messages: 45
    Likes Received: 0
    Trophy Points: 0
    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??????
  2. Ndachuwa

    Ndachuwa JF-Expert Member

    Feb 29, 2012
    Joined: Mar 8, 2006
    Messages: 4,083
    Likes Received: 252
    Trophy Points: 180
    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....

    When valuing a house there are two components (1) Land (2) Cost of replacement materials.

    A house built in 2005 will consume more costs of building materials and labour than did in 2005 thus cost of house built in 2005 can not have the same value today due to changes in prices of materials used and labour costs.

    In conclusion, a house is an asset since you can exchange it in money terms.
  3. Kalunguine

    Kalunguine JF-Expert Member

    Feb 29, 2012
    Joined: Jul 27, 2010
    Messages: 2,543
    Likes Received: 5
    Trophy Points: 135
  4. Mabagala

    Mabagala JF-Expert Member

    Feb 29, 2012
    Joined: Nov 27, 2009
    Messages: 1,405
    Likes Received: 6
    Trophy Points: 135
    ngoja nicheki na IFRS tuone house ni asset ama liability
  5. Rogie

    Rogie JF-Expert Member

    Feb 29, 2012
    Joined: Nov 22, 2010
    Messages: 4,648
    Likes Received: 620
    Trophy Points: 280
    Nyumba ni asset co liability. Hayo maneno mengine porojo tu.
  6. Mtanganyika

    Mtanganyika JF-Expert Member

    Feb 29, 2012
    Joined: Jul 18, 2007
    Messages: 1,576
    Likes Received: 99
    Trophy Points: 145
    Wakuu maongezi ya hao wadada ni wazimu mtupu. Nyumba is an asset for the notion kwamba it can be convert into cash either through gain or loss. From accounting stand point it's treated as an asset. However, kama nyumba is acquired through mortgage or loan, hapa kunakuwa na other portion ambayo lazima uionyeshe kwamba you have an asset on one side and a Liability on the other side.

    Technical, ukitumia mortgage as your financing process then you're owning a Note and the bank is owning the house until you paid off 100%.
  7. L

    LadySwa Member

    Feb 29, 2012
    Joined: Jan 25, 2009
    Messages: 77
    Likes Received: 1
    Trophy Points: 13
    Mtanganyika mimi nipo kwenye avatar yako mbona kama hii sehemu nishapita hapo?samahani kwa kuwa nje ya topic
  8. Kiranga

    Kiranga JF-Expert Member

    Feb 29, 2012
    Joined: Jan 29, 2009
    Messages: 34,143
    Likes Received: 5,032
    Trophy Points: 280
    Uliza walio underwater kutokana na subprime lending.

    The devil is in the details.

    Nyumba ikiwa ina appreciate ni asset. Ikiwa ina depreciate ni liability. Cost-benefit analysis in tow.Simple as that, but not simpler.

    Na hakuna golden rule kusema nyumba siku zote ita appreciate au depreciate.
  9. I

    Independent Voter JF-Expert Member

    Feb 29, 2012
    Joined: Jan 25, 2012
    Messages: 279
    Likes Received: 1
    Trophy Points: 0

    inabidi utembee kidogo outside of TZ ili upanue uelevu wako.
    Nyumba sometimes do depreciate its value ie current situation in EU and USA. Basi
    atleast soma wats going on around the world my dear, to keep knowledge yako up
    to date
  10. Kitope

    Kitope JF-Expert Member

    Mar 1, 2012
    Joined: Oct 12, 2011
    Messages: 225
    Likes Received: 6
    Trophy Points: 35
    Labda Mngeulizana kwanza definition Za hayo maneno mawili! mkimaliza kulumbana huko lazima mtakuwa mmepata jibu kwamba nyumba ni Asset/ fixed Asset ama liability. Mimi ningefurahi tu kusikia kwamba kati yetu wote tulioingia kwenye uzi huu hakuna anayetuwakilisha kiuchumi katika taifa letu hili. maana itakuwa inaonyesha kwanini shilingi yetu pendwa inazidi kutoka kwa coins. karibuni buku tano ya coin itatoka
  11. Nyani Ngabu

    Nyani Ngabu Platinum Member

    Mar 1, 2012
    Joined: May 15, 2006
    Messages: 63,793
    Likes Received: 13,844
    Trophy Points: 280
    Most often times a house will be an asset more than it will be a liability.

    If you took out a mortgage loan to purchase your house and had a fixed rate for your interest rate you'd be better off a couple years down the road than if you take an adjustable rate (ARM).

    Many people who found themselves in a mortgage crisis these past couple years most of them took out mortgage loans that they really couldn't afford.

    Most of them had adjustable rate mortgages which change every number of years (between 2 - 5) and you never know what that rate will change to. It could go up thus increasing your monthly note or it could go down. My experience is it always goes up and when that happens the homeowner is bound to experience some budget crunch.

    So that is one of the main reasons as to why a whole bunch of people were foreclosing on their homes after just a few years.

    And for that I mainly blame the lenders for their predatory lending tactics but the borrowers share some of the blame too. People should always do their homework and be aware of what they are getting themselves into before they close on any home purchase.

    It's always better to take out a fixed interest rate for the whole life of the loan so you know exactly the amount you will be paying each month throughout its existence.

    That way if you are financially disciplined you can slowly pay off your mortgage while slowly building up the equity in your house. In this case, a house is an asset and not a liability.
  12. Kobello

    Kobello JF-Expert Member

    Mar 1, 2012
    Joined: Feb 20, 2011
    Messages: 5,087
    Likes Received: 139
    Trophy Points: 160
    Nailed it!!!
  13. Habdavi

    Habdavi JF-Expert Member

    Mar 1, 2012
    Joined: Mar 5, 2011
    Messages: 369
    Likes Received: 0
    Trophy Points: 33
    A house by all standards qualifies to be categorised as an asset, provided that no mortgage lien is attached. I will use IAS 16 as basis of my argument. For an item to qualify as an asset, it must fulfill two conditions:

    i) Must derive future economic benefits from the item and flows to an entity. An entity in this case is an individual person (Land must be registered with a legal title deed)or corporate.

    ii) Its cost can be measured reliably.
    i.e cost of land, iron sheets, concrete blocks, etc

    However, if an individual decides to use the house to receive income in form of rentals or price appreciation, it is termed as an investment.
  14. che-guavara

    che-guavara Member

    Mar 1, 2012
    Joined: Jul 6, 2011
    Messages: 59
    Likes Received: 0
    Trophy Points: 0
    Uhasibu ni mizania unapokopa una create asset au nyumba na liability au deni. Unapotoa pesa una create matumizi kama electricity au unapunguza deni au unanunua asset nyingine.hivyo nyumba ni asset.hivyo basi from double entry point mambo huja mawili mawili ie to every debit there is coresponding credit and vice versa. Hivyo ukikopa ukajenga you have to plan kuw kutakuwa marejesho.
  15. mujusi

    mujusi JF-Expert Member

    Mar 1, 2012
    Joined: Jan 22, 2010
    Messages: 237
    Likes Received: 0
    Trophy Points: 33
    Kiuhasibu kwanza kabisa tafuta maana ya Asset na Liability ( as defined in accounting terms). baada ya hapo tizama hiyo nyumba yako umeipataje na nia ya kuwepo kwake ni nini? kuiuza baadae au kuiweka kwa ajili ya kukupatia manufaa? Je ina thamani yeyote hii leo? ukishayajua hayo basi utakuwa umeshapata jibu. Nikikutafunia hapa utakuwa huwezi pata jibu hata kwa siku za baadae au katika scenario tofauti lakini ukukishatafuta hivyo nilivyovitaja utakuwa na jibu la kila siku.
  16. s

    sexon2000 JF-Expert Member

    Mar 1, 2012
    Joined: Apr 18, 2010
    Messages: 307
    Likes Received: 0
    Trophy Points: 0
    Wote mliotoa mawazo yenu, sioni Mhasibu hata mmoja. Wote nawaona kama si wachumi basi ni makarani wa wahasibu.

    Nyumba yako ni MALI (ASSET), regardless umeipataje maadamu ni kwa njia halali.

    1. Ukikopa pesa za kununulia nyumba, Liability ni lile deni unalodaiwa sio nyumba yako.
    2. Ukikopa pesa na kuweka hati ya nyumba yako rehani, bado nyumba yako ni ASSET. Liability itakuwa ni hilo deni unalodaiwa.

    Wahasibu watambue kuwa wakati wowote, ASSET IS EQUAL TO LIABILITY.

    Thamani ya nyumba yako as ASSET is equal to Liability(vyanzo vya pesa ya kununulia hiyo nyumba)

    Issue ya depreciation au appreciation have nothing to do with a house being an asset or not.
  17. K

    KIM KARDASH JF-Expert Member

    Mar 1, 2012
    Joined: Sep 21, 2011
    Messages: 5,073
    Likes Received: 16
    Trophy Points: 135
    umenena vyema sana mhasibu.
  18. Habdavi

    Habdavi JF-Expert Member

    Mar 1, 2012
    Joined: Mar 5, 2011
    Messages: 369
    Likes Received: 0
    Trophy Points: 33

    wewe na mwenzio inaonyesha jinsi gani mlikuwa mnadesa mitihani yenu. Toka lini ASSET=LIABILITY??? Is that what you call an accountant?

    Step up your game, ninyi ndio mnaovamia fani.

    TWIZAMALLYA JF-Expert Member

    Mar 1, 2012
    Joined: Oct 1, 2011
    Messages: 399
    Likes Received: 0
    Trophy Points: 33
    Tumia language za kihasibu basi
  20. O

    OLESAIDIMU JF-Expert Member

    Mar 1, 2012
    Joined: Dec 2, 2011
    Messages: 19,203
    Likes Received: 72
    Trophy Points: 145
    A bit convinced

    Leo mmepata kipimo kizuri hapa jamvini

    Tunapokujaga na cheques humo idarani mwenu huwa ni taabu as if mnatoa mifukoni mwenu......kumbe hili tu ni kasheshe ya mjadala

    Vijana wa UTOH mpoooooooooooo........................!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!