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Natafuta mkopo binafsi jamani

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by ABEDNEGO, Jan 29, 2010.

  1. ABEDNEGO

    ABEDNEGO Senior Member

    #1
    Jan 29, 2010
    Joined: Aug 20, 2009
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    Mimi ni mtumishi wa Wakala wa Serikali,Mshahara wangu kwa mwezi ni 2M ++ Mwajiri hakubaliani na dhana ya kuingia mkataba na Benki ili watumishi tukopeshwe.Sina colletaral zaidi ya mshahara wangu, Nisaidieni ni wapi naweza kukopeshwa(Personal loan) Nikatwe katika mshahara kwa mwezi ?
     
  2. B

    Bweha mweupe Member

    #2
    Jan 29, 2010
    Joined: Jan 26, 2010
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    Nenda benk zifuatazo NBC,ACB,au Accesses onana na maafisa mikopo . peleka salary slip yako ya miezi mitatu na barua ya mwajiri wako. watakukopesha hata mara kumi ya mshahara wako kwa sharti kwamba mshahara wako wa mwezi upitie kwao. ni rahisi tu
     
  3. NGULI

    NGULI JF-Expert Member

    #3
    Jan 29, 2010
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    Si kweli lazima mwajiri asign barua inayoitwa "Letter of undertaking" na kama unavyojua perosal loan ni ani unsecured loan na mabenki mengi yameibiwa sana ikiwemo Barclays na Kenya Commercial recovery yake ni expensive mtu akishaacha kazi utampataje?? Na sisi watZ sijui kwa nini hatupendi kulipa madeni hata baadhi ya lectures/dr.profs unakuta wana default....
     
  4. FirstLady1

    FirstLady1 JF-Expert Member

    #4
    Jan 29, 2010
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    Huyu mwajiri itabidi akusainie fomu ya makubaliano kati yako na Bank ..
    au hapo atakataa pia?
     
  5. ABEDNEGO

    ABEDNEGO Senior Member

    #5
    Feb 1, 2010
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    Hapo ndipo pagumu kwa mwajiri kusaini barua ya dhamana kwa Benki vinginevyo ingekuwa rahisi sana kupata mikopo kutoka NMB,NBC,CRDB,Community Banks nk.
     
  6. Z

    Zion Daughter JF-Expert Member

    #6
    Feb 1, 2010
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    Hapo huna ujanja,Inabidi jidhamini mwenyewe au rafiki yakoakudhamini kwa hati ya nyumba ,kiwanja au shamba.
     
  7. I

    Isae Member

    #7
    Feb 1, 2010
    Joined: Aug 14, 2009
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    Kampuni ninayofanya kazi tunachukua mkopo akiba commercial Bank ila LAZIMA mwajiri asaini fomu ya mkopo. ACB wamerahisha hamna cha barua ILA Kampuni iko complicated wanachofanya wanaandika barua kueleza kuwa watapitisha mshahara kwa muda wote wa mkopo na iwapo mfanyakazi atahama au kushindwa kulipa kampuni haihusiki bali mtu mwenyewe, so go to Akiba Commercial Bank for more clarifications
     
  8. Mponjoli

    Mponjoli JF-Expert Member

    #8
    Feb 1, 2010
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    Lazima mwajiri aweke sign kwenye form hata kama anatoa partial guarantee
     
  9. f

    furahaeliud Member

    #9
    Feb 1, 2010
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    lah pole saana, ni kweli kabisa kama mdau alipochangia yaani kama mwajiri hataki kuwasania mkataba na benki ni problem kabisa unajua tene hizo ni unsecured loans lazima guarantee ya mwajiri ongeeni na mwajiri vizuri na mjue ni kwanini hataki wafanyakazi wake wakope benki maan ndio njia pekee
     
  10. f

    furahaeliud Member

    #10
    Feb 1, 2010
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    kama ndugu au jamaa akikuwekea dhamana ya nyumba na mshahara uupitishie benki husika japo mlolongo wake ni mrefu kidogo inawezekana kupata
     
  11. Wacha1

    Wacha1 JF-Expert Member

    #11
    Feb 1, 2010
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    Acheni kamba jamani. Mnatoa masharti utafikiri nyie ni ma-benki? Jamaa hata hajasema anataka kukopa kiasi gani? Wacheni roho za korosho, mkuu nenda Benki kama jamaa moja hapo juu alivyosema then angalia masharti yao, vile vile kiasi unachotaka kukopa kitakuwa kigezo kikubwa cha wao kukuambia wanahitaji vitu gani.
     
  12. M

    Mama Joe JF-Expert Member

    #12
    Feb 2, 2010
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    Pole, hii na mie ilinitokea mwaka juzi. Bosi alikataa kabisa, badala yake aliona aniongezee mshahara kiasi kilekile ambacho ningekatwa kwa mwezi. Access wanatoa lakini uonyeshe hati ya nyumba, shamba, biashara au mifugo au kadi ya gari afu wanaanzia hela ndogo sana. Wengine Sero ila hizi bank zote zinataka barua na signature. Mi nimejifunza kuweka taratibu.
     
  13. M

    Malila JF-Expert Member

    #13
    Feb 6, 2010
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  14. M

    Mama Joe JF-Expert Member

    #14
    Feb 6, 2010
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    Acha hizo Malila, unajua mara nyingine mtu unaenda kuomba mkopo kwa kitu ambacho unaweza pia kufanya kwa kutumia mapato yako tu ila kwa kuona urahisi unataka hela ya haraka. Sasa mie nilipoulizwa vizuri nilielekezwa bora utumie mshahara. Halafu mleta mada awe open atapata ushauri mzuri, mkopo kiasi gani na unafanyia au kununua nini. Siku hizi kuna bank na hata watu wanakopesha hela kwa watu binafsi. Kuhusu kuwa mwajiriwa wa serilkali sidhani kwani uko mie sijawahi kusikia wanakataliwa signature.
     
  15. M

    Malila JF-Expert Member

    #15
    Feb 6, 2010
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    Ok mama Joe,na mimi nitaweka kibubu changu kama wewe ili nikwepe taabu za bank
     
  16. NGULI

    NGULI JF-Expert Member

    #16
    Feb 6, 2010
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    Poor arguement...hapa uko na watu wengi na wana tumia majina bandia so hujui mtu anaprofessional gani unasema eti nyie ndio Bank? Yaliyosemwa na wadau kuhusu mikopo ya benki yote ni ya kweli na mikopo ya mabenki ya TZ ni migumu sana kwa vile wengi wetu tunaona ufahari kuto kulipa na sio kulipa mikopo. Interest rates zinaanzia 16(tena hapa ni kwa group loans)hadi 30 imagine unajua kiasi gani watu wanaumia?? India highest interst rates za loan ni 7 wakatu kwa TZ hio ni kwa ajili ya Bank staff Loan tena wa benki kama NBC na sio bank zote? upo hapo????

    Ila kuna taasisi ukiwauliza salary slips zao hawazionyeshi kutokana na kazi zao zilivyo so inakuwa ngumu kupata mikopo labda nahisi wanakopeshwa huko serikalini-na sio bank.
     
  17. NGULI

    NGULI JF-Expert Member

    #17
    Feb 6, 2010
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    ABEDNEGO has chosen not to receive private messages or may not be allowed to receive private messages. Therefore you may not send your message to him/her.

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    Sasa mtu akitaka kuwasiliana na wewe kwa PM atumie njia gani??
     
  18. ABEDNEGO

    ABEDNEGO Senior Member

    #18
    Feb 7, 2010
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    Asante ndugu yangu Nguli sasa naweza kupatikana ni PM tu
     
  19. Mahesabu

    Mahesabu JF-Expert Member

    #19
    Feb 7, 2010
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    ABEDNEGO amenena....!
    nimepata tabu kweli kukopa kwenye benki zetu....!
    labda uwe INDIAN ndo watakupokea kwa mikono miwili-miwili na utapewa double-share....!
    zunguka na kapu la pesa huku ukiweka na kuzitoa.....wenyewe wanasema unatengeneza BANK STATEMENT nzuri...!
     
  20. NGULI

    NGULI JF-Expert Member

    #20
    Feb 7, 2010
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    Si kwamba ASIAN wanapendelewa kwenye mikopo la hasha wanalipa mikopo kuliko sisi, tunakasumba ya kutokulipa na ndio maana interest rztes ziko juu kutokana na risk ya ku-recover loans TZ. Tena hii recession ya juzi imezua excusses za kutokulipa acha mchezo.

    Kuhusu kuzunguka na kapu si kweli policy za kuanalise mkopo zinasema kwamba lazima mkopaji/client awe na good conduct of account hii unaweza kujua kwa kuangalia bank statement kutoka Bank yeyote. E.g mtu ana taka 10m ukiangalia turn over yake kwa mwezi ana laki 1 tu. Akipewa mkopo lets say kwa 3 yrs atatakiwa kulipa installment ya TZS 300,000 je hizo laki 2 atazipata wapi na mostly facilities have no grace period?? na atakula nini??expenditures and whatsever??

    Nafikiri ningeshauri elimu ya mikopo ianzishwe kwa uma kwa vile nachoona hapa watu hawana elimu ya mikopo.
     
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