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Stanbic Loan interest

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by marshal, Mar 30, 2011.

  1. marshal

    marshal JF-Expert Member

    #1
    Mar 30, 2011
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    Wanajamii,
    mwenye details na interest rate ya mkopo wa Stanbic anisaidie pls.
    Ni mkopo wa kawaida around 50 Ml.
    Nitanguliza shukrani!!
     
  2. mfianchi

    mfianchi JF-Expert Member

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    Si uende mwenyewe unakokopa ndio utaona masharti ya mkopo ,kwanini usubiri uambiwe humu,suala la mkopo ni suala nyeti kwa hiyo inabidi mwenyewe ufuatilie kwa karibu na sikupata ushauri kutoka humu JF la sivyo itakuja kula kwako na mwishowe uje aanza toa lawama kwa waliokushauri hapa JF
     
  3. marshal

    marshal JF-Expert Member

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    Thanks for the concern, ila nipo makini sana zaidi ya unavyofikiria.Najaribu kupata deatils coz hiyo ndo iliyobaki kupata vingine vyote including masharti vyote nimepata ila interest rate ndo bado.By the way ni haki ya kwetu wananchi kupata information hata kupitia mtandao.Yaani ukicheck Banks na makampuni mengi ya Tz hawana information zozote zaidi ya picha za wakurugenz kwene website zao.Mi sidhani kama ni muhim saana kwa mtu Kufunga safari kwenda benki kuuliza interest rate,wakati info kama hizi zingetakiwa kuwepo kwenye mtandao.
     
  4. Watu

    Watu JF-Expert Member

    #4
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    marshal,

    they have the highest rates i assume, personal loans @ 25% per anum, other loans ask them, but they don't keep this info, you must be one in million who ask to know the interest rates people never ask dude!!!
     
  5. MESTOD

    MESTOD JF-Expert Member

    #5
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    Kuhusu uhakika wa details za loan utapata hapo StanBic, japo interest zao huendana sana na risk of the loan, the higher the risk the higher the rate. Cha muhimu ni wewe kuwa na comparative figures/details ya bank nyingine, hapo utakuwa kwenye nafasi nzuri ya bargain.
    Mfano hapa kazini kwetu juna bank ilikuja kuhusu loan wakatuambia wanachaji 23% p.a lakini tukawaambia kuna bank wanachaji 18% p.a inclusive insurance.
    Pia kwa hiyo loan wanaweza kutreat as a corporate loan na ukapewa interest kidogo so bargaining power yako brother, otherwise all the best.
     
  6. P

    Prime Dynamics JF-Expert Member

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    Before you rush to take up the loan, inquire on features of the offer (from the bank in question), including the interest charged, the repayment period, the amount, and other requirement to enable you shop for a cheaper and affordable loan in the market. Bear in mind that bank loans do attract interest rate charges as well as penalty for defaults as other loans.
    It is important that you get to understand the kind of loan that your bank offers. This will give you a better understanding of which product to get in case you need one. I suggest you go straight to the bank(s) and ask for all the necessary features of the offer.
     
  7. L

    LAT JF-Expert Member

    #7
    Mar 30, 2011
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    mkuu ...kwanini umechagua stanbic ... ninavyoelewa ni kwamba unachagua bank baada ya kujua uzuri wake hii ni pamoja na kujua their favorable interest rates .... sasa sijui kwanini umeanza kuichagua stanbic hali hujui interest rates offered
     
  8. marshal

    marshal JF-Expert Member

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    I know kuna option ya bengi zingine zenye masharti nafuu kupata mkopo.Lakini kwangu mm si rahisi kumeet vigezo vyao kama ambavyo naweza kufanikisha kwa Stanbic. By the Way Interest rates za Mikopo mingi ya bongo kweli inaumiza. Is as if watu wanataka kukukomoa vile.Maana ukifikiria 25% Per annum ni kubwa sana kwa mazingira ya maisha yetu wabongo.
     
  9. M

    Masuke JF-Expert Member

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    interest rate yao ni 15%, hiyo ilikuwa ni mwaka jana septemba na collateral ni mshahara upitie bank yao, kuhusu collateral zingine sijui rate zao ni kiasi gani.
     
  10. L

    LAT JF-Expert Member

    #10
    Mar 31, 2011
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    mkuu ... ni kweli kabisa .... ukiachilia interest rates pia kuna loan processing fees ambazo pia ni kubwa sana ....kuna jamaa yangu alichajiwa about 12M kwa ajili ya kuprocess letter of credit .... unachukua mkopo unakuta makato makubwa ambayo hukutarajia na hawakwambii hizo fee kabla ya ku apply strategically with intention wakijua kwamba hutahoji kwakuwa shauku yako ni kupata ule mkopo ... kuna jamaa humu jf jukwaa hili hili anaitwa prime dynamics anaandika posts nzuri sana za kuhusu mikopo
     
  11. marshal

    marshal JF-Expert Member

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    Asante Masuke
     
  12. marshal

    marshal JF-Expert Member

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    Senki yuu braza LAT huyo jamaa nitamtafuta kwa ufafanuzi zaidi si unajua mikopo ni Risk kiasi fulani so deep analysis inahitajika!
     
  13. L

    LAT JF-Expert Member

    #13
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