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Msaada kuhusu mkopo

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by Nyenyere, Sep 25, 2012.

  1. Nyenyere

    Nyenyere JF-Expert Member

    #1
    Sep 25, 2012
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    Wakuu naomba mnisaidie. Nimepata sehemu mbili za kuweza kuchukua mkopo. NMB watanipa kwa 15% diminishing balance na SACCOS 13% flat rate. Yote ni kwa miaka mitatu. Ni wapi penye nafuu?
     
  2. Nyenyere

    Nyenyere JF-Expert Member

    #2
    Sep 26, 2012
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    Nobody?
     
  3. UPOPO

    UPOPO JF-Expert Member

    #3
    Sep 26, 2012
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    SACCOS unless NMB hawa compound interest na principal amount ambapo hakuna benki itakubali kwani ndiko kwenye faida
     
  4. chash

    chash JF-Expert Member

    #4
    Sep 26, 2012
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    Una uhakika na hiyo 15% ya NMB? Nilidhani rate zao zinaanzia 19%. Hata hivyo wanaweza wakakubali kutoa mkopo lakini hela ukaipata mwakani, hivyo ingekuwa vizuri utathmini hela taslim itatoka lini. Ikichelewa Unaweza kupata business plan yako imepitwa na wakati au bei ya vitu unavyo taka kuvinunua imepanda. Kingine cha kuangalia ni tabia ya hiyo SACCOS ikitokea kwamba umechelewesha kulipa rejesho. Wengine wana penalty kubwa na niwepesi wa kufilisi mtu au kuuza dhamana yake. Saccos nyingi pia zinahitaji mdhamini ambao inaweza kuwa ni usumbufu. Angalia pia uwezekano wa kuhitaji kuongeza mkopo au ku re-schedule malipo kama chochote kimetokea kwenye biashara kabla ya kumaliza mkopo,(miaka mitatu ni mda mrefu kiasi) benki wateliweza hili ila saccos nyingi zitalazimisha malipo bila kujali kilichotokea. Kama mkopo ni mkubwa fanya calculation ya riba uone tofauti ikoje. Kila la kheri Mkuu.
     
  5. Sangarara

    Sangarara JF-Expert Member

    #5
    Sep 26, 2012
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    what do you mean?
     
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