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T-Mortgage: Hata watu wa chini sasa watamiliki nyumba za kisasa

Discussion in 'Habari na Hoja mchanganyiko' started by Pdidy, Aug 10, 2008.

  1. Pdidy

    Pdidy JF-Expert Member

    #1
    Aug 10, 2008
    Joined: Nov 22, 2007
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    T-Mortgage: Hata watu wa chini sasa watamiliki nyumba za kisasa
    Na Boniface Meena


    UMILIKI wa nyumba Tanzania ni tatizo kubwa hasa kutokana na wananchi wengi kuwa na kipato cha chini.


    Tanzania, wakazi wengi huishi kwenye nyumba za kupanga kutokana na kutokuwa na kipato cha kutosha kuweza kujenga makazi yao binafsi hivyo kujikuta wakilipa fedha nyingi za pango na kuendelea kuwa maskini.


    Mahitaji ya nyumba yamekuwa ni makubwa kuliko uwezo wa wananchi kujenga hata zile za kupangisha na ndiyo sababu katika maeneo hasa ya mijini, kupata nyumba ya kupanga ni kazi inayohitaji wapambe na kutoa vilemba.


    Kutokana na uwezo na kipato kidogo, wananchi wengi wameishia kuhamia katika makazi ambayo hayajakamilika huku wengine wakisota kumaliza misingi ya nyumba zao kwa miaka nenda rudi.


    Ni wananchi wachache ambao wamekuwa na uwezo wa kujenga nyumba na kuzimaliza kwa haraka, wengi wamebaki wapangaji wa kudumu katika majumba ya wenzao.


    Takwimu za hivi karibuni zinaonyesha kwamba Tanzania inakadiriwa kuwa na upungufu wa nyumba milioni tatu na kwamba tatizo hilo linaongezeka kila mwaka.


    Ndiyo sababu kuzinduliwa hivi karibuni kwa kampuni ya T-Mortgage kumeonekana kama mkombozi wa maelfu ya Watanzania hasa wa kipato kidogo kujipatia makazi yao ya kudumu.


    Kuzinduliwa kwake kunaifanya iwe kampuni ya kwanza nchini itakayotoa huduma za mkopo wa nyumba Tanzania ikijaza pengo ambalo Ofisa Mtendaji Mkuu wake, Charles Inyangete anasema kwa miaka mingi limeachwa wazi.


    "Kwa miaka mingi iliyopita imekuwa dhahiri kwangu kwamba soko la kumiliki nyumba Tanzania halihudumiwi vya kutosha," anasema Inyangete na kuongeza"


    "Tumeanzisha T-Mortgage kusaidia kukabiliana na upungufu huu."


    Anasema kuwa kampuni hiyo ina lengo moja tu kuwasaidia Watanzania kupata nyumba wanazohitaji kwa urahisi kwani kwa kawaida umiliki wa nyumba nchini ni mchakato unaohitaji mabadiliko.


    Anasema kampuni hiyo inafanya kazi moja kwa moja na waendelezaji nyumba za makazi binafsi kuhakikisha kuwa wateja wao wana uwezo wa kupata nyumba bora kwa urahisi, kuwawezesha kuhamia kwenye nyumba kwa haraka na wakati huo wakilipia pole pole kwa kipindi cha miaka 15.


    "Hii inasaidia kujenga sekta ya uendelezaji nyumba za kuishi inayostawi kwa kusaidia mauzo ya waendelezaji nyumba kwa watu binafsi," anasema Inyangete.


    Mkurugenzi wa Biashara wa T-Mortgage, Chris Gumbe anasema lengo la kampuni yake ni kufanya ununuzi wa nyumba ueleweke, uwe wazi, haraka na rahisi na kuufanya. Uwe ni jambo la kusisimua, kuanzia ujazaji wa fomu ya maombi, hadi kuhamia ndani ya nyumba.


    "Kwetu sisi mteja ni mfalme na tunajitahidi kufanya ununuzi wa nyumba ueleweke kwani umiliki wa nyumba lazima uwe ni jambo la kusisimua, kuanzia kujaza fomu za maombi hadi kuhamia ndani ya nyumba, wateja wetu wanastahili kupata huduma binafsi wanazohitaji ili kufanya umiliki wa nyumba uwe rahisi na wa kufurahia", anasema Gumbe.


    Kwa upande wake, Rais wa Panafra (T), Salim Zagar kampuni ambayo inafanya kazi na waendelezaji nyumba anasema, imevutiwa na juhudi zinazifanywa na kampuni ya T-Mortgage katika kusaidia waendelezaji huduma mbalimbali, michakato inayohimiza na kuwezesha ongezeko la idadi ya nyumba zinazoweza kupatikana kwa sehemu kubwa zaidi ya Tanzania.


    "Kadri shughuli za biashara za T-Mortgage zinavyopanuka, tutahitaji kubainisha waendelezaji nyumba wa ubora wa hali ya juu ili wateja wetu wapate fahari ya hali ya juu ya umiliki wa nyumba zao mpya," anasema Zagar.


    Kuhusu wateja ambao mara nyingi wanapata changamoto za ziada katika kununua nyumba wakiwa nje ya nchi, T-Mortgage katika kusaidia kukidhi mahitaji ya wateja hao imefungua tawi huko Houston Texas, Marekani.


    Meneja wa Maendeleo ya Biashara wa kampuni hiyo Amerika ya Kaskazini, Pamela Karabani anasema yeye na Watanzania wenzake wanaoishi nje ya nje wamekuwa wakitamani kununua nyumba Tanzania.


    Anasema kutokana na T-Mortgage kuzindua shughuli zake atakuwa na uwezo wa kuwasaidia kufanya hivyo kwani ofisi hizo za Houston zitawasaidia Watanzania walioko Marekani na Canada kununua nyumba kwa urahisi.


    Kutokana na mahitaji hayo, Inyangete anasema T-Mortgage iko katika mchakato wa kufungua tawi jingine London, Uingereza ili kuwahudumia Watanzania wanaoishi Ulaya.


    Anasema kwa hapa nchini ili kusaidia shughuli zake, T-Mortgage inashirikiana na wawekezaji na wabia wa fedha katika ngazi ya kanda na kimataifa.


    Ofisa Mkuu wa Fedha wa T-Mortgage, John Tate anasema anashawishika kuwasaidia wateja wenye kipato cha chini na cha kati wanaopata tabu ya kumudu kodi kubwa na fursa chache za kukimbilia.


    "Kwa kutoa njia rahisi na ya haraka kwa wateja hawa kununua nyumba leo na kulipia polepole kwa kipindi fulani, tunawezesha ndoto yao ya kumiliki nyumba kuwa kweli hivi sasa", anasema Tate.


    Anasema kuanzia mwanzo wanazingatia falsafa hiyo na mwelekeo wa kuendeleza jamii pamoja na kujitahidi kutoa thamani bora zaidi kwa wateja wa Tanzania.


    Anasema hiyo ni falsafa ya wawekezaji na wabia wao kwani wanatarajia kushirikiana na wadau wote wakati wanapohitaji kutoa thamani bora zaidi kwa wateja wa T-Mortgage Tanzania.


    Masharti ya kupata mkopo


    Mkopo utatolewa kwa waajiriwa na watu waliojiajiri wenyewe ambao ni wa kipato cha kawaida. Vile vile unaweza kutolewa kwa kikundi kwa mfano mume na mke.


    Muda wa chini wa kulipa mkopo ni miaka mitano wakati muda wa mwisho wa ni miaka 15.


    Mkopaji atatakiwa kutoa asilimia 20 ya fedha kutokana na kiasi kinachohitajika katika ununuaji wa nyumba.
     
  2. BAK

    BAK JF-Expert Member

    #2
    Aug 10, 2008
    Joined: Feb 11, 2007
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    First mortgage firm roll out in Dar

    Written by DANIEL SAID
    Monday, 04 August 2008
    THE BUSINESS WEEK

    DAR ES SALAAM, TANZANIA - The first mortgage company in Tanzania has opened its doors to the public.

    The Tanzania Mortgage Company Limited (T-Mortgage Limited) would provide Tanzanians with mortgage products and services and would serve the needs of the growing residential property market all aimed at making home buying convenient.

    Mr. Charles Inyangete, T-Mortgage's Chief Executive Officer said that home ownership in Tanzanian was underserved with the deficit estimated at two to three million units and was increasing each year.

    "We have created this company with a goal of helping Tanzanians easily acquire the home they desire because home ownership in Tanzania is often a difficult and lengthy process, we are changing that model," he said.

    T-Mortgage is promoted by Integrated Risk and Investment Services (IRIS),

    a Tanzanian based financial services consulting firm, and Pan African Management and Development Company, Inc (Panafra), a US based management and development company.

    The company also works directly with residential developers to ensure their customers have the ability to easily get quality properties, allowing them to move in quickly, while paying for the home gradually over a 15 year period.

    To further spread out and service Tanzanians in diaspora, T-Mortgage will establish a branch office in Houston and London to serve the US and UK markets respectively.
     
  3. Mbu

    Mbu JF-Expert Member

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    Aug 10, 2008
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    ...ama hapa sina la kuongeza! na watu jinsi wasivyo na discipline ya kulipa kwa wakati baada ya kukopa,...!

    Naisubiria kwa hamu hiyo Tanzania Credit system
     
  4. Dar_Millionaire

    Dar_Millionaire JF-Expert Member

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    Aug 11, 2008
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    Wanataka kutuletea mambo ya sub-prime mortgage hawa eh?

    Eti kampuni ya kwanza ya mortgage Tanzania! na THB walikuwa wanauza nini? Na bado kuna banks tayari zipo na zinauza mortgage.
     
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