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Riba ya milioni mbili ni sh. Ngapi kwa mwezi

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by viane, Jun 15, 2012.

  1. v

    viane Member

    #1
    Jun 15, 2012
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    Jamani kwa anayejua mambo ya riba naomba anijuze
     
  2. Rogie

    Rogie JF-Expert Member

    #2
    Jun 15, 2012
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    hee...riba ya milioni mbili
    unataka kukopa Tsh 2M kwa riba ya asilimia kadhaa, say 20% hiki ndicho unachomaanisha au?
     
  3. figganigga

    figganigga JF-Expert Member

    #3
    Jun 15, 2012
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    kama ni mkopo inategemeana na sehemu ulipo kopa. hawa jamaa wanao kopesha/mabank wanatofautiana liba. wengine hiyo million 2 kuja kulipa hadi deni liishe unaweza kukuta umewapa million 4. Usikope kwa kufuata mkumbo bali kopa pale penye ulazima sababu mkopo unaumiza. Mia
     
  4. Rogie

    Rogie JF-Expert Member

    #4
    Jun 15, 2012
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    Aise..kuna kipindi nilikuwa nahitaji mkopo kuweka mambo sawa...nikaenda kwa hawa jamaa wanaokopesha...ebana unaambiwa ukikopa kiasi fulani say 2M kwa riba ya 30%, mrejesho wa kwanza utatakiwa kulipa kiwango ambacho hakipungui hyo riba ya 30% na kiwango kitakachobaki pia kitakuwa-calculated kwa riba ya 30% tena...so unawezakujikuta unalipa hela nyingi sana kwa mtindo huu...nilisepa nikaona bora nikaungeunge kwa jamaa na marafiki.
     
  5. Ndachuwa

    Ndachuwa JF-Expert Member

    #5
    Jun 15, 2012
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    Let make an assumption
    TShs. 2,000,000 is payable over the period of 12 months in equal installment
    Market interest rate is around 24% per annum i.e. 2% per month
    Monthly amount payable is TShs. 189,119
    Total payable (Future Value ) is TShs,2,269,429.
    Interest 269,429
    Effective interest rate 13.5%
     
  6. Bushbaby

    Bushbaby JF-Expert Member

    #6
    Jun 15, 2012
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    itategemea na Interest rate ya hapo ulipochukua mkopo....kwani riba hutofautiana....iliyozoeleka sana ni riba ya 25% ya pesa uliyochukua japo wapo wanaopanda hadi 30% riba huwa ndogo jinsi hela unayochukua inavyokuwa kubwa au muda wa kurudisha utakavyokuwa mdogo e.i ukichukua 2 mil kwa riba ya 25% kwa miezi 12 utarudisha 2,500,000/= (kila mwezi 208333/=) ukikaa nayo 2 year mwisho wa siku utarudisha 3,000,000/=

    UNAPOTAKA KUCHUA MKOPO HAKIKISHA UMEELEWA RIBA YAO!!!
     
  7. b

    bung'a Senior Member

    #7
    Jun 15, 2012
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    mimi nimechukua mkopo binafsi mil 2 finca riba ni asilimia 3 kwa mwezi. Nafanya rejesho la 393350.kwa mwezi.
     
  8. v

    viane Member

    #8
    Jun 16, 2012
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    Siyo mkopo ila mimi nimempa mtu milion 2 then yeye ananipa riba kila mwenzi na huwa ananitumia elfu sitini kwa mwenzi kama riba na zile m2 ziko palepale. Sasa nilitaka kujua kama ni sawa maana ni sawa na milion moja ananipa elfu thelathini kwa mwezi,,,
     
  9. b

    bung'a Senior Member

    #9
    Jun 16, 2012
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    ni sawa mkuu.
     
  10. BAK

    BAK JF-Expert Member

    #10
    Jun 16, 2012
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    Kwanza inabidi ujue hiyo riba utakayopewa ni asilimia ngapi? 3%, 4%, 5%? Na sijui kwa sasa bank za Bongo zina utaratibu gani wa kutoka riba ila miaka ya nyuma ili kupata riba ulitakiwa kuziacha pesa bank at least kwa miezi 6 ukizitoa kabla ya miezi sita basi huambulii kitu
     
  11. figganigga

    figganigga JF-Expert Member

    #11
    Jun 16, 2012
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    Mkuu umenichanganya. yaani hiyo elfu 60 anakupa wakati ukisubilia ajikusanye kukupa mil 2 yako au hiyo elfu 60 ndo mnakatana juu kwa juu?. Mia
     
  12. v

    viane Member

    #12
    Jun 16, 2012
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    Hapana. M2 ziko pale pale na siku nikizitaka au akinirudishia atarudisha m2 cash. Elfu sitini ni riba ya kila mwezi ananitumia
     
  13. Bushbaby

    Bushbaby JF-Expert Member

    #13
    Jun 18, 2012
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    Mkuu bung'a hiyo 393350 utairudisha kwa muda gani? kama ni kwa mwaka mmoja ukimaliza deni utakuwa umewalipa 4,720,200 (393350 x 12 ) kama ni kwa miezi sita 2,360,100.....hebu sema utalipa kwa muda gani??
     
    Last edited by a moderator: Jan 4, 2016
  14. Bushbaby

    Bushbaby JF-Expert Member

    #14
    Jun 18, 2012
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    Mkuu viane inategemea na mahali ulipo....ni mjini au ni kijijini, na kama ni mjini inategemea pia na mji uliopo...kwa hapa Arusha mtu akikupa milioni moja, atataka 100,000 kila mwezi utakao kaa na hela yake na mwisho wa siku hela yake ipo palepale...na huo ndio utaratibu uliozoeleka kwa hapa town...sijui wewe upo wapi na utaratibu wa hapo ulipo ukoje!!
     
    Last edited by a moderator: Jan 4, 2016
  15. OGOPASANA

    OGOPASANA JF-Expert Member

    #15
    Jun 18, 2012
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    Hiyo ni sawa na riba ya 3% kwa mwezi (flat rate). Yaani Tsh 2,000,000 (mkopo) mara 3% (riba) mara mwezi mmoja = Tsh 60,000 (riba ya kila mwezi).

    Ushauri: Uwape mda mrefu wateja wako wa kulipa riba peke yake hadi watakapopata yote (mkopo walioomba na riba), kwani ni rahisi kufilisika.
     
  16. v

    viane Member

    #16
    Jun 19, 2012
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    Asanteni kwa ufafanuzi wenu... Ila niliyempa yuko tabora
     
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