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

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.
Mi nafikiri thamani inayoongezeka ni kiwanja (ardhi) na si nyumba
ndio maana hata kama unaweza kuuza kwa fedha nyingi sana bado
mtu anaweza kujenga nyumba nyingine. Hilo la kudepreciete vilevile
linaweza kutokea iwapo eneo au ardhi husika imeshuka thamani. Mfano baada
ya mafuriko makubwa yaliyotokea mwaka 2011 baadhi ya maeneo
yalidepreciete yaani nilishuhudia nyumba iliyokuwa inauzwa Milioni 65 ikiuzwa
Mil.20 tu.
 
In Business oriented minds a house whether acquired through loan or own money is a liability in the sense that once acquired you need to set aside part of your earnings to pay for various bills (water, electricity, municipal rent, repair, etc.) which you didnot need them without owning a house. House turns into an asset only if it generates earnings than those required to service it as mentioned above. But, in accounting terms a house is an asset in whaterver form acquired!

Mbona unajicontradict.Leave those school accounting terms and talk what happen in real life businesses.May be you were taught so depending on the level you were in accounting.For example from primary school to o-level we were taught the sun is stationary,in A-level we were taught the sun is moving.A very simple definition was given,asset=bring cash inflow,liability=cause cash outflow.Thus a house can be an asset or liability depending on how you are using it.What people are missing here is "when bankers tell you that your house is an asset ,they don't tell you that it is an asset to the bank not to you just in case you fail to pay the money back". Please combine your knowledge in business and accounting then conclude.Remember the answers are not necessary to be yes or no there is a gray area.
 
Jiulize, kuna mkopo unaotolewa kwa kuweka dhamana ya LIABILITY? Jibu ni NO! Nyumba ni ASSET, ndio maana hutumika kama bank loan security yaani DHAMANA. Angalia ktk Banking&Financial Institution Act ya 2006.
 
Jiulize, kuna mkopo unaotolewa kwa kuweka dhamana ya LIABILITY? Jibu ni NO! Nyumba ni ASSET, ndio maana hutumika kama bank loan security yaani DHAMANA. Angalia ktk Banking&Financial Institution Act ya 2006.

Read between lines.I did write [What people are missing here is "when bankers tell you that your house is an asset ,they don't tell you that it is an asset to the bank not to you just in case you fail to pay the money back"].Think big!
 
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.
sawa mkuu ila kama nyumba uliyonayo,inatumika kwa kuishi tu,haiingiz cash wala nini..JE HAPO PIA UTASEMA NI ASSET???
 
sawa mkuu ila kama nyumba uliyonayo,inatumika kwa kuishi tu,haiingiz cash wala nini..JE HAPO PIA UTASEMA NI ASSET???

Ndugu yangu LORDVILLE kabla ya kuingia kwenye hako kanyumba kangu, nilikuwa nalipa kodi. Sasa na familia imekuwa kubwa labda ningehitaji kukodi nyumba isiyopungua TShs. 300,000/= hivyo kwa kumiliki hiyo asset yangu naokoa TShs.300,000 kwa mwezi. Hata vibanda vilivyoko kijijini mama yangu mzazi anajipatia hapo pesa ya sukari si sawa na kutokuwa na kitu kabisa
 
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Ndugu yangu LORDVILLE kabla ya kuingia kwenye hako kanyumba kangu, nilikuwa nalipa kodi. Sasa na familia imekuwa kubwa labda ningehitaji kukodi nyumba isiyopungua TShs. 300,000/= hivyo kwa kumiliki hiyo asset yangu naokoa TShs.300,000 kwa mwezi. Hata vibanda vilivyoko kijijini mama yangu mzazi anajipatia hapo pesa ya sukari si sawa na kutokuwa na kitu kabisa
dah nashkur sana mkuu,nw i understand Ndachuwa!!kuna cku nlipewa hili swal ckua na jibu..anyway usishangae mana cjua haya maswala..nkaona niulize..i undrstnd thnx bro!!!!!
 
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dah nashkur sana mkuu,nw i understand Ndachuwa!!kuna cku nlipewa hili swal ckua na jibu..anyway usishangae mana cjua haya maswala..nkaona niulize..i undrstnd thnx bro!!!!!

Wengi wanaweza kuwa na mawazo kuliko atumie say 30 million kujenga nyumba bora awe mpangaji; lakini binadamu hana hakikisho la kuwa na kipato maisha yote kuna wakati kipato kitakuwa hakuna na hatahitaji mahali pa kulala (shelter). Maisha ya wahindi na sisi Watz hayawezi linganishwa kwa kudharau wenye nyuma
 
hivi wahasibu bado hamjakubaliana kwenye hili wakati watoto wa uturn waliolianzisha walishaga hata lisahau,kweli this is the house of great thinker,mnatoa darasa na points nzuri lakini kwa wanaochukua mambo ya finance
 
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.


wewe ni sufuri
 
nafikiri aliyeleta mada kasoma kitabu cha 'RICH DADY POOR DADY' Kadiri ya Kiyosaki ni kwamba ukijenga nyumba pangisha halafu we panga nyumba ya bei ndogo kuliko nyumba yako na salio linalobaki lihudumie umeme, maji, usafi n.k kwenye nyumba uliyopanga. Kama si hvyo basi itumie kufanyia biashara ila si kuishi.

Na gari ni asset au liability?
 
Unajua hapa watu wanacomplicate maisha bila sababu yoyote ile; Ki-Uhasibu Nyumba ni Asset, hata kama ume aqcuire kwa means zipi. Msichanganye Economic terms /definitions na Accounting terms, definitions kuhusu appreciation. Wahasibu kasomeni Vizuri IAS 16 and IAS 36!

Jiulize kama umenunu nyumba kwa mkopo, na unatakiwa kutoa listya assets ulizonazo, utasema nyumba yako siyo asset??

Embu tuangalie Journal Entry kidogo ya hii makitu, kwa nyumba uliyo acquire kwa mkopo na kwa kununua / kujenga mwenyewe (Ki-Uhasibu zaidi)

(1) Kaka Umepata nyumba kwa mkopo (Morgtgage Financing), assume value ni Shs. 100,000,000, entries ni
Dr. Asset (House) Shs. 100,000,000

CR. Liability (Mortgage Finance) - Loan 100,000,000
Hapa katika vitabu vyako (wewe binafsi) una-recognise asset (house) na liability (loan) ambayo unatakiwa kuilipa Bank kwa muda mliokubaliana. Hapa Liability ni huo mkopo na si nyumba!

(2) Kama umenunua / umejenga kwa pesa yako - Assume value ni ile ile Shs. 100,000,000

Dr. Asset (House) 100,000,000
Cr. Cash
Hapa ina maanisha kuwa, umepata asset kwa kutoa asset (cash) na umepunguza cash yako kwa kuongeza kuongeza asset (House).

Kwa leo nitaishia hapo, tutaendelea kwa wale ambao bado ni wabishi, ila Principle ni moja tu; NYUMBA NI ASSET KWA DEFINITION ZA KIHASIBU. HAYO MENGINE YA KWENU MNAOSEMA NI LIABILITY, MSITUARIBIE UHASIBU WETU!
 
nafikiri aliyeleta mada kasoma kitabu cha 'RICH DADY POOR DADY' Kadiri ya Kiyosaki ni kwamba ukijenga nyumba pangisha halafu we panga nyumba ya bei ndogo kuliko nyumba yako na salio linalobaki lihudumie umeme, maji, usafi n.k kwenye nyumba uliyopanga. Kama si hvyo basi itumie kufanyia biashara ila si kuishi.

Na gari ni asset au liability?

Huyo anaelezea kaitika Economic Terms, na hilo halina ubishi, Lakini in Accounting Terms, nyumba ni asset! Hata katika Makampuni, unaweka kuwa na Magari mengi tu, na mengine mabovu, lakini yote yataitwa Asset mpaka hapo yatakapokoma kuitwa Asset kutokana na IAS 16, na yatakuwa de-recognised na siyo kupelekwa kama Liability. Tusiharibu basic principles za uhasibu!
 
Asset is anything that puts money into your pocket....liability is anything that takes money out of your pocket.

Kama nyumba yako umeipangisha na kuna watu wanakulipa kodi, then ni asset. kama unaishi mwenyewe na unalipa bili mbalimbali pamoja na property tax na haikuingizii chochote in terms of cash, then ni liability.
 
Asset is anything that puts money into your pocket....liability is anything that takes money out of your pocket.

Kama nyumba yako umeipangisha na kuna watu wanakulipa kodi, then ni asset. kama unaishi mwenyewe na unalipa bili mbalimbali pamoja na property tax na haikuingizii chochote in terms of cash, then ni liability.
From the definition of the RICH you are 100% right, while for Poor, Middle class, & Kishule shule you are note. Hivyo lazima watu waongeze Financial vocabularies.

Tatizo shuleni hakuna somo linalofundisha RULES of Money and how to make money hivyo hizo terms zinakuwa ngumu sana kuzijua. Watu wengi wanafikiri wamewekeza kwenye Asset kumbe ni liability, Huku mtaani always make things simple. Hivyo :- Asset is anything that puts money into your pocket....liability is anything that takes money out of your pocket. full stop.
 
Asset is anything that puts money into your pocket....liability is anything that takes money out of your pocket.

Kama nyumba yako umeipangisha na kuna watu wanakulipa kodi, then ni asset. kama unaishi mwenyewe na unalipa bili mbalimbali pamoja na property tax na haikuingizii chochote in terms of cash, then ni liability.

Kiuchumi sawa, lakini siyo kihasibu!
 
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