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Nataka mkopo wa 6milioni, dhamana nyumba ya vyumba vitatu, sina hati

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by Rutunga M, Apr 6, 2011.

  1. Rutunga M

    Rutunga M JF-Expert Member

    #1
    Apr 6, 2011
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    Wakubwa nimejenga nyumba ya vyumba 3 tu,choo,bafu(tayari na umeme na inaendelezwa upande wa pili kwa kwa vyumba vingine 3 ,vimefika kwenye kuezekwa na ni kwenye viwanja hivi vya kuuziana,(kwamba viwanja havijapimwa na sina hati ya nyumba).Lakini nataka kukopa tsh milini ksti ya 5 na 6,hvi niende benki ipi? mimi nina account NMB na CRDB na nyumba yangu iko nje ya Dar(mikoani lakini mjini).

    Nisaidie niendleze ka-project kangu
     
  2. L

    LAT JF-Expert Member

    #2
    Apr 6, 2011
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    mkuu ... natumaini unataka kuchukua mkopo kwa ajili ya kuendeleza au kumalizia ujenzi wako ..... mikopo ambayo ni unsecured kama hiyo inatolewa pale unapokuwa unayo biashara na hiyo biashara ndiyo inakuwa security .... sasa kama unajenga hiyo nyumba ... je itaingizaje pesa za kulipia rejesho (repayment) pamoja na riba...? Akiba Commercial Bank wanaweza kukupa kwa kutumia guarantee ya serikali za mitaa na mahakama lakini lazima uwe na biashara yeyote inayoonyesha ndiyo italipa mkopo ....
     
  3. Ngongo

    Ngongo JF-Expert Member

    #3
    Apr 6, 2011
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    Heshima kwako Rutunga.

    Mkuu unaweza kuwatumia maafisa ardhi katika halmashauri unayoishi wakakupimia [wakaweka becons] na kukutengenezea hati amabayo itakubalika bank yoyote.
     
  4. Rutunga M

    Rutunga M JF-Expert Member

    #4
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    Mkubwa Hukunielewa !,mimi siyo mjinga kiasi hicho wa kutaka kukopa kwa ajili ya kumalizia nyumba,nimesema nina project Fulani inayoendelea ambayo nataka kuongezea mtaji.Jenga utaratibu wa kuelewa thread za watu kabla ya kutoa judgment zisizo na tija,hata hivyo naheshimu mchango wako.
     
  5. Nazjaz

    Nazjaz JF-Expert Member

    #5
    Apr 6, 2011
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    Wakopeshaji watatengenezaje mortgage deed (Legal Mortgage) kama nyumba haina hati wala leseni ya maklazi?
     
  6. P

    Prime Dynamics JF-Expert Member

    #6
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    I term that as narrow minded. sorry
     
  7. Husninyo

    Husninyo JF-Expert Member

    #7
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    mkuu mbona mkali hivyo. Kwani LAT amekujibu vibaya?
    Hata hivyo wewe sio mjinga kiasi cha kushindwa kujua bank gani ukakope. Sawa eeh!
     
  8. Husninyo

    Husninyo JF-Expert Member

    #8
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    kweli kabisa. Ukiwa una shida halafu unatoa dharau hata kama mtu anataka kusolve shida yako ana hairisha.
     
  9. P

    Prime Dynamics JF-Expert Member

    #9
    Apr 7, 2011
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    Mtu kama huyo ni kumwacha akakope wamfilisi. Hao ndio wanaokopa bila kuelewa mikataba ya benki kuhusu mikopo. wanajikuta wanalipa more than what they had planned.
    Kuna jamaa wa humu JF alianzisha thread inayosema "The trouble with this world is that the stupid are confident and the intelligent are full of doubt"
     
  10. L

    LAT JF-Expert Member

    #10
    Apr 7, 2011
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    mkuu..... nimetoa ushauri kutokana na details za thread yako ... mkuu ungeweza kupata ushauri mzuri kama thread yako ingekuwa transparent and detailed ili ueleweke ...... unless otherwise i withdraw my post and all the best ....
     
  11. L

    LAT JF-Expert Member

    #11
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    do i need to say more ...

    thanks prime dynamics
     
  12. Asprin

    Asprin JF-Expert Member

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    This is gentlemanship!...... seconded!
     
  13. Rutunga M

    Rutunga M JF-Expert Member

    #13
    Apr 7, 2011
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  14. K

    Kazakuku JF-Expert Member

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    Kama mtumish wa selikalini tuwasiliane no tigo 0656874027
     
  15. u

    ureni JF-Expert Member

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    Rutunga tueleze hako ka-project ni kaproject gani tukichakachue hapahapa kama kina lipa kwa kiasi gani manake hata benk watahitaji kujua,si unajua tena waswahili wanasema mficha uchi hazai.
     
  16. Mshume Kiyate

    Mshume Kiyate JF-Expert Member

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    Mkuu, punguza hasira jamaa wanakueleza jinsi ya kufanya mambo kwa faida yako naona unakuwa mkali!
    umeweka pandiko lako jamvini pokea maoni kutoka kwa wachangiaji mbalimbali then chukuwa yale yatakayokufaa yafanyie kazi
     
  17. LexAid

    LexAid JF-Expert Member

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    kichaa aasemi kama anamatatizo ya hakili, na mjinga hajui kama yeye ndiyo.....
     
  18. Rich Dad

    Rich Dad JF-Expert Member

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    Mkuu chatudume,
    Umesema kweli, jamaa anataka maoni ya wapi akakope but anajifanya mjuaji. Nimesoma bandiko lake kwa kurudia rudia lakini hata mimi sijaona sehemu inayoeleza project nyingine aliyonayo zaidi ya nyumba anazodai ziko kwenye finishing stage.
    Ni rahisi sana mtu yeyote ku-spot kwamba project ya huyo jamaa ni umaliziaji wa nyumba zake.
    Namshauri amuombe radhi ndg LAT ambaye mara zote amekuwa positive sana katika michango yake, na wengi tumefaidika nayo.
    Mwisho kabisa, aombe mods wafute bandiko lake na aweke lingine ambalo atatoa maelezo ya kutosha kuepuka mikanganyiko.
    Thanks
    <br />
    <br />
     
  19. AK-47

    AK-47 JF-Expert Member

    #19
    Aug 3, 2011
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    Mkuu Rutunga M nimesoma kwa kina ushauri wa LAT sikuona sababu ya wewe kumjia juu hivyo maana ametumia lugha ya ushauri ambo si wewe tu utafaidika hata na wengine....sasa hasira za nini ama ulikua na lako jambo dhidi yake ukaona wakati mwafaka umefika wa kumshambulia. Ulichotakiwa kufafanua ni kusema wewe unabiashara ambayo itakuwa security ya mkopo huo na wala sio nyumba halafu ungelekezwa wapi pa kukopa....Ukijaaliwa uungwana unaweza ukam-PM kumuomba radhi.
     
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