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Swali kuhusu Mchanganuo wa malipo ya mikopo ya benki

Discussion in 'Biashara, Uchumi na Ujasiriamali' started by mjasiria, Feb 11, 2011.

  1. m

    mjasiria JF-Expert Member

    #1
    Feb 11, 2011
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    Habari zenu wanaJF.
    Naomba kwa yeyote mwenye ujuzi wa namna hesabu za malipo ya mikopo benki zinavyofanyika atujuze hapa.
    Kwanza inabidi niseme tu kuwa inasikitisha sana kwamba hadi leo hii, huduma kwa mteja kwa taasisi nyingi sana ni mbovu hadi zinatia hasira. Nasema hivi kwa sababu nimejaribu kutembelea benki mbalimbali ili nipate maelezo ya kutosha kuhusu mikopo na hesabu pamoja fomula zinatozumika kukokotoa malipo hayo kuanzia mwanzo wa mkopo hadi pale deni linapokwisha, lakini kati ya benki zote nilizotembelea (NMB, CRDB, TWIGA na KCB) ni KCB tu ndiyo waliojitahidi kidogo kulinganisha na wengine wote kutoa maelezo ya kuridhisha. Cha kushangaza ni kwamba hata hao waliowekwa kushughulikia wateja kwenye haya masuala hawana elimu kabisa kuhusiana na hesabu za makato.
    Sasa basi pamoja na kuwa nimepata mwanga kidogo lakini, nitashukuru sana kama kuna yeyote anayeweza kutoa elimu zaidi. Nafanya hivi ili nitakapoamua kuchukua mkopo benki basi niwe ninajua hasa ni kwa namna gani itaniathiri kiuchumi.

    Ili kurahisisha swali langu, chukulia kwa mfano mtu analipwa net salary(kiswahili chake sijui) ya milioni moja (1,000,000/=) na amechukua mkopo wa Tshs 12,000,000/= ambao anatakiwa kuulipa ndani ya miaka mitatu na riba ni 20%. Mchakato hapa utakuwa vipi?

    Ni hayo tu....

    Natanguliza shukrani zangu wadau.
     
  2. Makindi N

    Makindi N JF-Expert Member

    #2
    Feb 11, 2011
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    Hesabu kwangu nami ni kimeo. Natumiaga simu mwenyewe. Kikubwa huwa nataka nijue loan amount, interest rate %, loan period in months and u calculate the monthly installment. Kama unasimu yenye loan calculator, inakokotoa kila ambayo ina-include loan amount, loan period in (months), monthly installments. Ambapo kwa mwezi itabidi ulipe monthly installment kwahiyo itakua ni 445,963. Sasa hii calculator kama inatoa, jumlisha, gawanya, zidisha au vyote kwa pamoja, I gotta no clue. Hesabu noma!
     
  3. m

    masssaiboi JF-Expert Member

    #3
    Feb 11, 2011
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    KCB=kenya commercial bank
    siku zote wakenya au mashirika yanayoendeshwa na wakenya ni wazuri kweli ktk customer service, watz longolongo kibao
     
  4. m

    mjasiria JF-Expert Member

    #4
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    Mkuu nashukuru kwa mchango wako, ngoja tusubiri wenye ujuzi zaidi wamwage data hapa.
     
  5. m

    mwalwisi Member

    #5
    Feb 11, 2011
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    Kabla hujaenda kwenye ku kokotoa malipo ya mwezi uliza maswali yafuatayo kwa benki hiyo;
    1. Riba yao ni ya mfumo gani? Reducing balance (I recommend) au flat rate
    2. Kuna gharama gani zaidi ya interest ambazo watanichaji

    majibu compare among 3 to 4 banks before u decide.
     
  6. Mtanganyika

    Mtanganyika JF-Expert Member

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    Feb 11, 2011
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    Nitakusaidia kirahisi kabisa hapa. Kwanza kuna mambo machache mkopo wowote unafuata, kwanza ni Muda (period) wa mkopo kuanza mpaka kumalizika (maturity, Riba ya Mkopo ( Interest) sababu unalipia kila mwezi basi riba is calculated compounded monthly (Hapa ndio inabidi upatazame kwa karibu sana) na nne ni thamani ya Mkopo. Pesa unayokopeshwa japo kuwa utalipa kwa miaka miwili lazima iangaliwe katika shilling ya leo, maana present value.

    Sasa tuje kwenye swala lako, 12 Million ndio present value yako (PV), 36 ndio period zako (3X12), na interest yako ni 1.67% a month. Sasa baada ya hapo kama unafahamu vizu excel. Type =sign then andika PMT, kisha itakuuliza riba, muda na PV. Ingiza hiyo namba kisha utaona payment zako ni kiasi gani. Payment zako zitakuwa around 445,963 Tsh kwa mwezi, na katika miaka 3 utawalipa bank 16,063,473. That is 34% ROI kwa Bank...... Ndio mtakubalina na mimi Bank kuu should regulate interest rate in Tanzania.
     
  7. Nyangomboli

    Nyangomboli JF-Expert Member

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    Feb 13, 2011
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    Asante kwa udadavuzi mzuri mkuu.
     
  8. Kurunzi

    Kurunzi JF-Expert Member

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    Feb 13, 2011
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    Tafadhali hiyo riba ya 1.6% umeipataje mkuu
     
  9. newmzalendo

    newmzalendo JF-Expert Member

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    Feb 13, 2011
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    asante sana kwa elimu hii. ila interest rate ni suala la credibility ya mkopaji,benki za tanzania zinalizwa sana na wakopaji ,watanzania huwa hatulipi mikopo,hatuna credit ratings or credit reference
     
  10. m

    mjasiria JF-Expert Member

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    Unaonaje ukitoa mchanganuo kwa namna zote mbili, yaani kwa reducing balance( maana yake nini?) na kwa flat rate(maana yake pia mkuu maana lugha za watu hizi)
     
  11. m

    mjasiria JF-Expert Member

    #11
    Feb 14, 2011
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    Mkuu hapo kwenye nyekundu umepataje hiyo value?
     
  12. L

    Lady JF-Expert Member

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    Feb 14, 2011
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    20% interest per year divide by 12 months unapata 1.67 interest per month.

     
  13. Mtanganyika

    Mtanganyika JF-Expert Member

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    Jinsi ya kukata makali ya interest ni kwa kulipa zaidi ya pesa bank watakayo kwambamia ulipe kwa mwezi. Kumbuka graph ya riba vs principle ni kwamba mwanzoni pesa yote almost inakwenda kwenye riba, na jinsi muda unavyokwenda pesa kidogo kidogo inakwenda kwenye principle (mkopo). Sasa dawa yake ni kuongeza payments, yaani kama bank wamekwambia inabidi ulipe XXXX amount kwa mwezi, wewe lipa XXX+YYY amount. Hapa utakata makali ya riba, na vile vile unakata makali ya muda. Kumbuka muda unavyozidi ndio utawalipa bank pesa zaidi....

    Wabane bank wakwambie wanakupa rate ya aina gani, hapa kuna mchezo wa kishenzi. wanaweza kukupa fixed rate au flexible rate wakudanganya kwamba rate yako ita flactuate na market, lakini ukweli ni kwamba rate yako will always going up. Ni nzuri kama utafanya short term loan, lakini ni bad for long term loan.

    Ushauri wa mwisho.... Please msikope pesa kujengea nyumba, i saw that everywhere in Tanzania. That is a nightmare...... Kopa and then wekeza....
     
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