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

Msaada: Kuacha kadi ya Gari wakati wa kukopa

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by tovuti, Oct 9, 2012.

  1. tovuti

    tovuti Senior Member

    #1
    Oct 9, 2012
    Joined: Oct 29, 2009
    Messages: 160
    Likes Received: 0
    Trophy Points: 0
    Wadau nilikuwa nataka kukopa milioni 3..., namwachia gari akae nayo mpaka nitakomlipa kwa miezi 2 na rate ya 20%

    Sasa huyu jamaa kaniambia nikimwachia gari niwache na kadi yake original, na akaniambia kuwa watu wote

    wanaokopesha wanafanya hivyo....

    Wadau nilikuwa nauliza kuwa ni sawa? na hapo nitakuwa safe side nikiwacha kadi original ya gari?
     
  2. BADILI TABIA

    BADILI TABIA JF-Expert Member

    #2
    Oct 9, 2012
    Joined: Jun 13, 2011
    Messages: 28,355
    Likes Received: 3,166
    Trophy Points: 280
    kwa nini ukakope mtaani? Yaani umwachie kadi na gari?
    Huko mtaani unamwamini kiasi gani?
    Kwa nini usikope benki na gari liwe collateral?
    Huko benki utawaachia tu kadi original na itatunzwa salama kwenye safe za strongroom zao.....
     
  3. Ulimbo

    Ulimbo JF-Expert Member

    #3
    Oct 9, 2012
    Joined: Aug 14, 2009
    Messages: 640
    Likes Received: 0
    Trophy Points: 33

    Jambo hilo litakugharimu sana.
    Siku moja nilikuwa kwenye Gari, na pembeni yangu walikuwapo kin mama wawili na mazungumzo yao yalikuwa hivi "KUNA WATU WANATUMIA NGUVU ZA GIZA/KICHAWI ILI KUPATA MALI ZA WATU. WAMEANZISHA/WANATOA MIKOPO LAKINI WATU WATU WANAO KOPA LAZIMA WAWEKEZE GARI/NYUMBA AU SHAMBA. SASA KUNA MTU MMOJA ALIKOPA 5,000,000/= KWA MASHARTI YA KUWEKEZA MAGARI 3.NA ALITAKIWA ALIPE BAADA YA MIEZI MITATU, LA SIVYO MAGARI YAKE YATACHUKULIWA. yULE MTU KWA KUWA ALIKUWA NA UHAKIKA WA KUPATA PESA ZA KULIPA, ALIKUBALI. BAADA TU YA KUCHUKA ZILE PESA, YULE ALIYEMKOPESHA AKAMUULIZA JE, NI KWELI UTAWEZA KULIPA? JAMAA AKAJIBU NI KWELI NITALIPA.

    BAADA YAHAPO, NJIA ZOTE ZA KUPATA KIPATO ZA YULE ALIYE KOPA ZILIFUNGA, NA ALIPOONA ZIMEBAKI SI CHACHE MKATABA HUISHE, ALIONA NI BORA AUZE GARI MOJA KATI YA YALE MATATU ILI ALIPE DENI. SHIDA IKATOKEA KUWA WATEJA WA KUNUNUA GARI HAWAPATIKANI. ILIBAKI WIKI MOJA YA MKATABA, NDIPO AKAENDA KWENYE MAOMBI NA KUELEZA KISA KIZIMA, ALIFANYIWA MAOMBI NA ALIPATA MTEJA WA KUNUA GARI LILE KWA 5,000,000, NA ALIPOMPELEKE MDAI WAKE, AKASHANGAA SANA NA KUMWAMBIA "HAMA KWELI UMEWEZA KULIPAJE, SIKUTEGEMEA KABISA KUWA UTAWEZA KULIPA. KWELI WEWE NI BINGWA NA UMENIWZA.

    KUNA WATU WENGI WAMEPOTEZA NYUMBA/MASHAMBA NA VITU VINGINE KWA NJIA HII. KUWA MAKINI.
     
  4. Money Stunna

    Money Stunna JF-Expert Member

    #4
    Oct 9, 2012
    Joined: Aug 9, 2011
    Messages: 13,083
    Likes Received: 89
    Trophy Points: 145
    mkuu apo juu ushauri wako utasaidia watu wengi
     
  5. tovuti

    tovuti Senior Member

    #5
    Oct 9, 2012
    Joined: Oct 29, 2009
    Messages: 160
    Likes Received: 0
    Trophy Points: 0
    Asanteni kwa waliochangia.... Wengine karibuni kutoa mchango wenu
     
  6. tovuti

    tovuti Senior Member

    #6
    Oct 9, 2012
    Joined: Oct 29, 2009
    Messages: 160
    Likes Received: 0
    Trophy Points: 0
    Nataka mkopo wa muda mfupi.....Benki nimeambiwa wanatoa mkopo wa muda mrefu, na nafikiri pia watakuwa na process ndefu
     
  7. Kig

    Kig JF-Expert Member

    #7
    Oct 9, 2012
    Joined: Aug 13, 2012
    Messages: 1,045
    Likes Received: 103
    Trophy Points: 160
    Kaa ufikirie mara mbili mbili kabla ya kukubali masharti ya namna hii kwenye mikopo. Watu wengi wanadhulumiwa sana bongo hata sababu ya msingi. Wakopeshaji wengi ni wakorofi sana maana wanatafuta faida kwa kila mbinu. Ukiweka dhamana ya kitu chenye dhamani kuliko hela uliyokopa atakuwa anakuombea ushindwe kulipa. Mfano kama unakopa milion 3 halafu unamwachia gari yenye dhamani ya million 6 au zaidi, lazima atafurahi ushindwe kulipa deni ili afaidi gari maana atauza kwa faida kubwa. Uwe makini sana.
     
  8. tovuti

    tovuti Senior Member

    #8
    Oct 9, 2012
    Joined: Oct 29, 2009
    Messages: 160
    Likes Received: 0
    Trophy Points: 0
    asante kwa ushauri.....lakini sina jinsi lazima nikope
     
  9. Lait noir

    Lait noir Member

    #9
    Oct 9, 2012
    Joined: Aug 23, 2012
    Messages: 99
    Likes Received: 6
    Trophy Points: 0
    Sasa mkuu ulitakaje kwani? Ukopoe alafu umuachie gari bila Kadi? Kadi ndio gari bana, kama umedhamiria kukopa na kuweka gari rehani ni lazima uache kadi
     
  10. M

    Mfikilwa JF-Expert Member

    #10
    Oct 9, 2012
    Joined: Mar 11, 2008
    Messages: 341
    Likes Received: 1
    Trophy Points: 35
    mkuu hii mimi imewai nitokea kabisa, yani siku nampigia jamaa simu nimpelekee fedha yake, akupokea simu kilichofuata ni msg tu, kwamba zimebaki siku mbili na gari keshapata mteja siku ya kurejesha kama sitapeleka pesa basi anauza, hakuna kuongezewa muda wala nini, kwakuwa watu walikuwa wameshaniambia kwamba jamaa anajiamini wala sikujisumbua kumpigia, siku iliyofuata asubuhi nimedamkia kwake, jamaa anatoka ananikuta mimi nimeshika kijibaasha kangu na namwambia nataka kadi na funguo ya gari yangu, aliniuliza mara kumi kumi nimewezaje kumlipa, baadae ndiyo nikaja sikia kwamba jamaa anatumia nguvu za giza kuwedhulumu waliokopa kwake.

     
  11. Narubongo

    Narubongo JF-Expert Member

    #11
    Oct 9, 2012
    Joined: Nov 3, 2010
    Messages: 1,922
    Likes Received: 9
    Trophy Points: 135
    rejea kisa cha mfanyabiashara (RIP) aliyeweka hati ya nyumba yenye thamani ya 600m kwa papaa musofe ili akopeshwe 30m later on papaa akamchezea deal na kutengeneza hati zinazoonesha aliinunua ile nyumba, mfanyabiashara amerudisha 30m apewe hati papaa hazitaki, mfanyabiashara kakimbilia mahakamani (2010) kudai haki yake, wakati kesi bado ipo mahakamani mfanyabiashara akapigwa risasi ya kichwa na watu wasiojulikana, papaa ametoa ile hati ya nyumba anayodai aliinunua kwa marehemu na kumtaka mjane aondoke haraka kwenye lile jumba na alifanikiwa kumtimua kwa mabavu kama ulivyoona kwenye TV mwaka jana... kwasasa papaa yupo lupango kwa tuhuma za kupanga mauaji
     
  12. BADILI TABIA

    BADILI TABIA JF-Expert Member

    #12
    Oct 9, 2012
    Joined: Jun 13, 2011
    Messages: 28,355
    Likes Received: 3,166
    Trophy Points: 280
    haraka haraka inaponza.....

    Benki wala hawachukui muda mradi waverify tra kuwa gari ni lako....

    Na muda si tatizo unaweza kuchukua mkopo ukasema utalipa ndani ya miezi 6 lakini ukipata hela ndani ya hiyo miezi miwili unaenda unalipa nz deni unafuta, tena unaweza kuprwa hata mkopo mkubwa zaidi
     
  13. BADILI TABIA

    BADILI TABIA JF-Expert Member

    #13
    Oct 9, 2012
    Joined: Jun 13, 2011
    Messages: 28,355
    Likes Received: 3,166
    Trophy Points: 280
    mikopo ya aina hii wengi huishia kuibiwa....
     
  14. BADILI TABIA

    BADILI TABIA JF-Expert Member

    #14
    Oct 9, 2012
    Joined: Jun 13, 2011
    Messages: 28,355
    Likes Received: 3,166
    Trophy Points: 280
    mwache akitafute kiranga chake......
     
  15. Ngigana

    Ngigana JF-Expert Member

    #15
    Oct 9, 2012
    Joined: Apr 16, 2010
    Messages: 1,001
    Likes Received: 167
    Trophy Points: 160
    Nenda benki ndugu, haraka haraka itakutokea puani. Nenda hata benki ya posta wako fasta achana na hao wazushi wa mtaani!
     
  16. t

    tabu kuishi JF-Expert Member

    #16
    Oct 12, 2012
    Joined: Apr 16, 2011
    Messages: 354
    Likes Received: 3
    Trophy Points: 0
    Kaka kuwa makini watu wengi wamepoteza magari na nyumba zao kwa ajili ya mikopo aina hiyo kama huamini naomba uende masai camp baba ilala kuna jamaa amefunguwa yadi kubwa ya kuuza magri ya watu anaowakopesha wote wanapoteza magari yao huyo jamaa anaitwa doni na mpare no. Simu yao 0716834333 ukikopa tu ujuwe hilo gari limeondoka sio lako tena , ni sawa umemuuzia kwa bei ya kutupa
     
  17. mwanawao

    mwanawao JF-Expert Member

    #17
    Oct 17, 2012
    Joined: Aug 18, 2010
    Messages: 1,604
    Likes Received: 656
    Trophy Points: 280
    Dah, JF ni elimu tosha
     
  18. C

    Changamoto2015 JF-Expert Member

    #18
    Oct 17, 2012
    Joined: Oct 1, 2012
    Messages: 737
    Likes Received: 26
    Trophy Points: 45
    nenda kajaribu equity bank kama upo dar es salaam
     
  19. Globu

    Globu JF-Expert Member

    #19
    Oct 18, 2012
    Joined: Jan 12, 2011
    Messages: 7,957
    Likes Received: 126
    Trophy Points: 160
    Wanabodi, kweli JF ni GT. Ni Chuo Kikuu. VIVA JF.
     
  20. d

    demulikuy JF-Expert Member

    #20
    Oct 18, 2012
    Joined: Sep 27, 2011
    Messages: 471
    Likes Received: 56
    Trophy Points: 45
    Dont do that. Hizo arrangements are stacked against you, kwa sababu probability ya kwamba utarudisha in time with 20% interest ni kidogo sana, hence the probability of losing ur car is high. Mkataba ho umelenga kulipata gari lako kwa bei chee basi full stop. Style hii imeenea sana nchini has Dar. Kwa kiasi hicho cha mkopo, nenda kakope Bank au SACCOS kama wewe ni mwanachama.
     
Loading...