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nisaidieni naweza pata wap mkopo?????????

Discussion in 'Kilimo, Ufugaji na Uvuvi' started by gfsonwin, May 9, 2012.

  1. gfsonwin

    gfsonwin JF-Expert Member

    #1
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    wana jamvi nisaidieni jamani, niko very serious nataka mkopo nijenge nyumba. ninayosite but haijapimwa ila natamani kweli kujenga kajumba kadogo kazuri. cash on hand sina na sina kitu cha kuweka kama dhamana zaidi ya salary slip yangu. kwa bahati mbaya last year nilikopa bank NMB nikapeleka wadogo 2 chuoni mmoja kusomea degree mwingine diploma. nilitumia utaratibu wetu wa watumish wa umma kukopeshwa kwa security ya kazi sasa je ni wapi naweza kupata mkopo tena ili nijenge? au wenzangu mnanishauri nifanyeje? But real natamani kujenga nyumba nyingine zaid.
     
  2. SR senior

    SR senior JF-Expert Member

    #2
    May 9, 2012
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    we umefulia kwa serikali hii!!!!? Jipange upya hili limeshindikana....labda usubiri kamshahara kako kaongezeke kama ilivyodaiwa na mwananchi la leo, la sivyo......utakuwa mwalimu kama sikosei!!! Pole weee.
     
  3. Lutala

    Lutala JF-Expert Member

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    Mkuu nakushauri subiri kidogo uchumi utulie. Hofu yangu usije chukua mkopo na nyumba ukashindwa kumaliza na wakati huo huo unaendelea kupanga. hatarai ni kwamba utakuja tena hapa kuomba kutuuzia gofu aka pagala. Na kwa tabia zetu tutakulalia ile mbaya na utaishia kwenye umasikini daima. Tunza nia yako baada ya ****** kuachia ngazi mambo yatakuwa ya neema sana
     
  4. IGWE

    IGWE JF-Expert Member

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    Muda mwingine ni busara zaidi kunyamazia kimya,..kuliko michango kama hii ya kukatisha tamaa wengine.
     
  5. gfsonwin

    gfsonwin JF-Expert Member

    #5
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    poa mkuu ila kweli life ni ngumu. kuna watumish wengine wa serikali nyumba nzuri tutazionaga kwa wenzetu.
     
  6. s

    sithole JF-Expert Member

    #6
    May 9, 2012
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    mkuu plot yako iko wapi?kuna jamaa namjua ana hardware,unakubaliana nae,then anakukopesha mwanzo mwisho,unamlipa kidogo kidogo!mnawekeana mkataba lakini!ni dar au mwanza au arusha?na kama ni dar ni eneo gani?
     
  7. gfsonwin

    gfsonwin JF-Expert Member

    #7
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    mkuu nilibahatikaga kupata kanyumba ka mashtuzi zamani, ila uswaz sasa nahitaj nyumba nzuri sehem tulivu kumbe siwez duh!!!!!!!! anyway maadamu wadogo wanasoma basi niache tu mpaka Mungu alete neema. na huwez kuamni niliwaza mbali sana kuwa nikiweza kujenga mpaya ninayokaa nipangishe ili hawa wadogo wapate hela ya ada si unajua ada za vyuo? na mambo ya extended families? hapo tena nina watoto umeona eeh!!!!!!!!!!! life ni ngumu sana on ma side.
     
  8. gfsonwin

    gfsonwin JF-Expert Member

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    iko eneo la mpakani hapa dar. duh atanisaidia sana. nimetingwa sana. au wenzangu ninyi mnajengaje
     
  9. gfsonwin

    gfsonwin JF-Expert Member

    #9
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    ukimuona mtu anakatisha tamaa ujue yeye hata hio stage hajafikia so asikuumize kichwa tena wa stail hiyo unamgongea thumb ups 5. akifikia hapo atakuwa mpole tu.
     
  10. m

    mattzakh Member

    #10
    May 9, 2012
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    Safi! Nimependa wazo lako. Bank zina hela sana ndio mana zinajaribu kusaidia watu kwa njia ya kukopesha.
    Tatizo la nchi yetu serikali haina data base ya taarifa za watu wake ndo mana masharti ya mikopo yanakuwa magumu ili bank ipate uwakika wa kumpata mkopaji asije akakimbia.
    Ushauri wangu kama una source ya hela tofauti ya mshahara basi jitahidi kupima site yako ili ikawe kama dhamana bank. Pia itabidi kama ni nmb ufungue akaunti nyngne maana wakigundua una daiwa hawata kupa mkopo au nenda bank nyngne kabisa.
    Kama unategemea mshahara peke yake basi kuwa mvumilivu umalize deni la kwanza then mkopo wa pili siku zote unakuwa mrahisi sababu bank wanakuwa wamesha kuamini.
    Nimependa mawazo yako ni kama yangu. Wahindi wanakuja hapa maskini lakini wanakopa hela hapa hapa, wanafanya biashara wanakuwa matajiri sisi tunabaki na uwoga wetu wa kukopa au imani kwamba anayekopa ni maskini au amefilisika.
    All the best!
     
  11. gfsonwin

    gfsonwin JF-Expert Member

    #11
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    nimekusoma sana mkuu, ila nimejaribu kuangalia eti ukipimiwa lazima uwe na title deed ambayo ina miaka 5 ndio wanakubali kuichukua kama dhamana au nimeongopewa?
     
  12. k

    kijereshi JF-Expert Member

    #12
    May 9, 2012
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    mkuu kwanza hongera kwa kuwa muwazi na pili kwa kutaka ushauri ni wachache sana wenye ujasiri kama wako nikupe pongezi,kma ungekuwa mfanyabiashara tungeweza kuwasiliana tuone jinsi ya kukopeshana kwa 'terms' za 'quick financing' ingawa inakuwa ghali ukilinganisha na mikopo mingine ila yote kwa yote hauna jinsi zaidi ya kwenda bank nyingine na kueleza kusudio lako .
     
  13. I

    Incredible JF-Expert Member

    #13
    May 9, 2012
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    kuna mtu kakujibu kwamba anamfahamu muuzaji wa vifaa vya ujenzi ambaye anakukopesha vifaa vyote hadi unamaliza. Huyu aweza kuwa mzuri kuliko benki. Sijui atakutoza riba kiasi gani lakini mimi kwa uelewa wangu aweza kuwa mzuri zaidi ikiwa vifaa vyake ni vya viwango.

    Hapa Tanzania, benki karibu zote zinatoa commercial loans tu. Yaani mikopo kwa ajili ya watu wanao nunua bidhaa na kuuza. Unapewa mkopo mwezi huu, mwezi ujao unaanza kulipa. Wakikupa grace period, basi utakuwa unalipia riba kwa kipindi chote cha grace period. Grace period ikiisha unaanza rasmi kulipa mkopo wako, hivyo riba uliyokuwa ukilipa kipindi chote (grace period ) hiyo ni kachumbari ya benki kwani haipunguzi deni lako hata senti.

    Pili kama utasema ukapime kiwanja chako, bado mabenki yatakuambia kwamba hawakopeshi mteja mwenye plain land. Wao wanataka pawe na nyumba.

    Benki ya Tanzania Women Bank ilikuwa ikipokea hati za makazi lakini nadhani wamesha badili japo sina uhakika. Lakini nayo wewe bado uwezi pata maana hapana nyumba.

    Hitaji lako ni genuine lakini taasisi zetu za fedha zipo hivyo. Jaribu fuatilia huyo mwenye kukopesha hardware lakini kwa kuwa dunia ya leo imebadirika basi nako uende kwa tahadhari kubwa na mkiingia mkataba uwe na mashahidi wenye uelewa na wanaopenda maendeleo yako.

    Naomba kuwakilisha
     
  14. r

    rodrick alexander JF-Expert Member

    #14
    May 10, 2012
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    kwa mtu anayetoa mkopo kwa vifaa atakusaidia maana wengine wanaomba mkopo wa kujenga wakishapata pesa wanatumia kwa matumizi mengine
     
  15. gfsonwin

    gfsonwin JF-Expert Member

    #15
    May 10, 2012
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    asante sana kirejeshi, kwa pongezi zako. binafsi mimi nafikiri hapa ni mahali ambapo naweza maazo constructive kama haya. ubarikiwe sana kwa mawazo mazuri.
     
  16. gfsonwin

    gfsonwin JF-Expert Member

    #16
    May 10, 2012
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    Kiongozi nakushukuru sana kwa mawazo yako mazuri sana, Mungu akuongezee busara zaid manake kweli, umeniambia kitu hapa. anyway sikati tamaa ngoja nimcheki yule wa vifaa kwanza but nitaenda with caution
     
  17. N

    Nguto JF-Expert Member

    #17
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    Kila mwezi nunua mifuko mitano ye cement fyatua tofali 30 kila mmoja na kwa mwaka mmoja utakuwa una tofali 1800 na kwa miwili hizo ni 3600 nadhani zinatosha kujsimamisha kajumba kadogo. Finishing unajipanga pia nunua bati kwanza then piga kench halafu ezeka. Then nunua vifaa kidogo kidogo halafu malizia nyumba yako. Usijilinganishe na wenye nazo kwamba lazima ujenge haraka haraka. We jenga taratibu.
     
  18. gfsonwin

    gfsonwin JF-Expert Member

    #18
    May 10, 2012
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    ahsante mkuu, binafsi sijajilinganisha but nilitafuta njia nijenge so wewe umekuja na hii ni wazo zuri.ubarikiwe sana
     
  19. K

    Kashaija JF-Expert Member

    #19
    May 11, 2012
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    Mkuu, heshima mbele,

    Nimevutiwa na ushauri wako kwamba kuna mtu ana hard ware anakopesha vifaa vya ujenzi, nadhani hata mimi mtu huyo anaweza kuwa wa msaada kwangu.

    Mimi ni mtumishi wa Serikali, ninajenga eneo la Tbt Kinyerezi na tayari nimeshapaua na kufunga grills za milango na madirisha. Kibaya zaidi ni kwamba mda huu nimeishiwa na mwenye nyumba ninapoishi anataka nyumba yake tarehe 1, july, 2012.

    Naomba mawasiliano ya huyo msamaria mwema ili tukielewana nione anavyoweza kunisaidia angalau nyumba ifikie hatua ya kukalika.

    Asante.NB nimukutumia private massage.
     
  20. M

    Mbwambo JF-Expert Member

    #20
    May 11, 2012
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    Kaka uliyemjibu mwenzetu nami nataka hiyo hardware ambayo mtu unachukuwa vifaa kwa maandishi na unamlipa kidogo kidogo
    Je waweza niunganisha naye nami nfanye hivyo?
    Asante kaka unaweza kunijibu kwa private message au kwa vile kuanzia kesho Jamiiforums watakuwa hawapatikani basi niandikie kwa email: ak_abduel@yahoo.com
    asante
    :israel:
     
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