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Mikopo ya mabenk itauwa watu kwa presha

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by Babuu blessed, Feb 15, 2012.

  1. Babuu blessed

    Babuu blessed JF-Expert Member

    #1
    Feb 15, 2012
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    Habari zenu bana.Ninaomba kueleweshwa kuhusu mikopo ya benki na riba zake.mf : nikichukua mkopo wa 100m kwa kutumia hati ya kiwanja wakati wa marejesho nimefanikiwa kurejesha 75m nikapewa notice ya siku 14 kwa bahati mbaya wakati nataka kwenda kumalizia hiyo pesa 25m hkawa ni siku ya ijumaa bank wakaniambia muda umekwisha na jumapili mnada ukafanyika na kiwanja kikauzwa 102m.swali je hapo nitapata kitu chochote kutoka kwa madalali kwa sababu bank walikuwa wananidai 25m only.elimu ya mikopo ya mabank inatakiwa "mali bila daftari upotea bila habari"
     
  2. F

    FUSO JF-Expert Member

    #2
    Feb 16, 2012
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    muongo wewe, wangekuwa wamekuchukulia kiwanja chako usinge pata hata nguvu ya ku type!!
     
  3. Watu

    Watu JF-Expert Member

    #3
    Feb 16, 2012
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    Haiko hivyo mkuu!

    Bank kuuza dhamana yako ni stage ya mwisho kabsa, na hawapendi mfikie hapo, ila kwa kuwa wakopaji mnakua hamjui mkopo ni nini ndio inafikia hatua ya bank kuuza dhamana yako.

    Pili bank staff wanaohusika na mikopo pia hawajui kuuza product za mikopo walizonazo, banker anatakiwa akujue shida yako yeye ndio akushauri chukua mkopo wa aina hii?

    mikopo ya bank as long as your living na unapumua na mzunguko haujakata hainaga presure
     
  4. Safari_ni_Safari

    Safari_ni_Safari JF-Expert Member

    #4
    Feb 16, 2012
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    Umechanganya tenses vibaya mno.........hii habari ni mushkeli
     
  5. mikatabafeki

    mikatabafeki JF-Expert Member

    #5
    Feb 16, 2012
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    hakuna huo utaratibu mkuu................!!!!!!!!!!
     
  6. Babuu blessed

    Babuu blessed JF-Expert Member

    #6
    Feb 16, 2012
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    mkuu kama una cha kuchangia its better ukip silence atupo kwenye jukwaa la kiswahili .
     
  7. Kibukuasili

    Kibukuasili JF-Expert Member

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    Feb 16, 2012
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    Labda swali lako ni kuhusu kiasi gani utapata kama watauza nyumba kwa 102m wakati balance ya deni ni 25m.

    Fafanua/jieleze
     
  8. jino kwa jino

    jino kwa jino JF-Expert Member

    #8
    Feb 16, 2012
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    kwa kuwa ni mfano poa, ila bank haizulumu mtu wanachofanya nikuchukua chao 25m nahiyo 77 watakurejeshea baada ya kutoa gharama za madalali.
     
  9. Babuu blessed

    Babuu blessed JF-Expert Member

    #9
    Feb 16, 2012
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    unauakika gani mbona unanihukumu wakati auna ushahidi.next ueleme maana ya forum ni sehemu ya kupeana idea na elimu that y jf inazidi kukuwa.matukio yote yanayoletwa hapa sio kwamb yamewakumba wana jf bali yanakuwa yamewatokea jamaa au marafiki na mada zinapokuja hapa zinawasaidia the other.kuna jamaa alichukua mkopo muda wa marejesho akuweza malizia last sunday kiwanja kimeuzwa 102m miaka ya nyuma kuna jirani yake alitaka kumuamisha kwa 200m jamaa akagoma.last sunday huyo jirani ndio kakichukua kwa njia ya mnada.mwenyekiwanja presha ilipanda akakimbizwa hosptali.
     
  10. Safari_ni_Safari

    Safari_ni_Safari JF-Expert Member

    #10
    Feb 16, 2012
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    Hujielewi wala hunielewi hoja yangu
     
  11. u

    ureni JF-Expert Member

    #11
    Feb 16, 2012
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    Hebu elezea hiyo habari yako ieleweke vizuri,hiyo milioni mia umeichukua kwa mkataba wa marejesho ya mda gani?na riba yake kiasi ganie?hiyo milioni mia ni pamoja na riba?changanua vizuri ieleweke.
     
  12. Amoeba

    Amoeba JF-Expert Member

    #12
    Feb 16, 2012
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    Banker wengi siyo wakatili kiasi hicho. Kama umechukua kwa wajanja mtaani hapo ndy itakula kwako, watafanya kila mbinu wauze dhamana kama ina thamani kuliko deni ili wakulize tu!
     
  13. Amoeba

    Amoeba JF-Expert Member

    #13
    Feb 16, 2012
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    Wadau, huyu mtu hajachukua mkopo, anaulizia tu. Nyie mnafkiri kama angekuwa kwny situation kama ahiyo angekuja JF kuuliza wakati terms na condition alizisoma na kusign benki:lol:?..obviously suruhisho la ishu kama hiyo anajua cha kufanya ni kuonana na meneja wa benki yake!
     
  14. u

    ureni JF-Expert Member

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    Feb 16, 2012
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    mimi nimemshangaa sana,sijui nia yake ni nini,au alikua anataka kutuonyesha ana millioni mia,hata tukijua anazo hizo mia atafaidika nini,au kuna mtu humu JF anataka amtege ili iwe rahisi kumwingia akiamini anafedha manake mjini hapa watu wana mbinu kubwa za kitapeli.
     
  15. Babuu blessed

    Babuu blessed JF-Expert Member

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    Feb 17, 2012
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    mkuu umeenda mbali sana!
     
  16. Babuu blessed

    Babuu blessed JF-Expert Member

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    Feb 17, 2012
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    asante kwa kunielewa wengne awasomi post kwa umakini.
     
  17. Babuu blessed

    Babuu blessed JF-Expert Member

    #17
    Feb 17, 2012
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    hapa nimekuelewa mkuu asante kwa ufafanuzi wako!naomba mada ifungwd mod
     
  18. satellite

    satellite JF-Expert Member

    #18
    Feb 21, 2012
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    Babuu mi navyojua ni kuwa bank huuza mali ya mdaiwa kwa kiwango kile wanachokudai kama deni limebaki laki 7 basi hicho ulichoweka dhamana kitauzwa kwa dhamani hiyohiyo na kama itazidi basi watapiga gharama zao then inayobaki wanakupa ww ishu inakuja pale itakapouzwa chini ya bei kufidia deni lao lazima wakuweke ndani tu
     
  19. satellite

    satellite JF-Expert Member

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    Feb 21, 2012
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    Pia kwente mikopo uwe makini sana ukona terms and conditions apply inabidi usome mara mbili mbili maana wengi wetu hapo kwenye terms na conditions hatusomi na kichinjio cha mabenk mengi wanaegemea sehem hizo
     
  20. L

    LAT JF-Expert Member

    #20
    Feb 22, 2012
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    kwenye valuation ya dhamana kuna market value ya property na forced sales value (75% of fair market value of a property). hivyo basi dhamana uliyoweka lazima iuzwe kwa mnada at equivalent forced sales value or highest of the forced sales value
     
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