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TAFAKARI: NEEMA YA MACHUNGU ya IRENE ISAKA KUTOKA NSSF

Discussion in 'Jukwaa la Siasa' started by Kachanchabuseta, Aug 18, 2012.

  1. Kachanchabuseta

    Kachanchabuseta JF-Expert Member

    #1
    Aug 18, 2012
    Joined: Mar 8, 2010
    Messages: 7,290
    Likes Received: 3
    Trophy Points: 135

    NATIONAL SOCIAL SECURITY FUNDINPUTS FOR NSSF MEMBERS TO BUY AFFORDABLE HOUSES AT MTONIKIJICHI, TEMEKE, DAR ES SALAAM.
    1.0 INTRODUCTION
    1.1 In line with the Fund’s mission to meet the evolving social security needs of its members, the Fund has constructed a total of 300 affordable housing units on Plot No. 1 – 308, Block 8 which is located in Mtoni Kijichi in Temeke District, Dar es Salaam.

    1.2 These houses are located a distance of approximately 18 km from Kigamboni Ferry using the Kigamboni – Kongowe road and 15 km from the City centre via Kilwa Road. They are situated a distance of about 2 km off Kigamboni – Kongowe Road.

    1.3 The houses were built under two phases, of which 85 units were constructed under Phase I and 215 units in Phase II of the Project. Worth noting is the fact that the Fund intends to construct 900 more housing units in same locality. Whilst Phase I and II provides stand alone housing units, Phase III will provide apartments.

    1.4 These houses are now available for sale on either cash or mortgage basis to Tanzanians who are NSSF Members. Members wishing to use mortgage modality are advised to visit Commercial Bank of Africa for concessionary based mortgages. However, mortgages from other banks are also acceptable.

    1.5 Prospective buyers are required to buy an Application Form from any of the Fund’s offices located all over the country. The fee for each form is Tshs. 5,000/= which is non-refundable
    .

    2.0 BRIEF DESCRIPTION OF HOUSES AVAILABLE FOR SALE
    2.1 There are ten (10) types of house designs comprising of two (2) to four (4) bedroom houses. The average size of each house is between 75 sq.m and 125 sq. m.

    2.2 Houses are differentiated on the basis of built-up area, number of rooms and extra facilities incorporated in each house, e.g. carports, solar water heating systems and/or provision for house expansion.

    2.3 Electricity has been connected through a dedicated high tension transmission line and transformer. Water, through two deep boreholes, is available and an independent meter for each house for charging bill has been installed.

    2.4 A brick wall has been built around the project site for security purposes.





    3.0 SPOT SELLING PRICES
    3.1 Below are spot selling prices for each type of house in Phase I and Phase II.
    These prices are inclusive of Value Added Tax (VAT):
    (i) Spot Selling Prices for Houses Constructed Under Phase I

    [TABLE="class: MsoNormalTable, width: 418"]
    [TR]
    [TD="width: 231, bgcolor: transparent"]Type of house
    [/TD]
    [TD="width: 60, bgcolor: transparent"]No. of units
    [/TD]
    [TD="width: 115, bgcolor: transparent"]Build up area (sq. Metre)
    [/TD]
    [TD="width: 152, bgcolor: transparent"]spot price
    [/TD]
    [/TR]
    [TR]
    [TD="width: 231, bgcolor: transparent"]IA – 2 bedrooms
    [/TD]
    [TD="width: 60, bgcolor: transparent"]
    9
    [/TD]
    [TD="width: 115, bgcolor: transparent"]
    75
    [/TD]
    [TD="width: 152, bgcolor: transparent"] 68,000,000
    [/TD]
    [/TR]
    [TR]
    [TD="width: 231, bgcolor: transparent"]IB - 3 bedrooms
    [/TD]
    [TD="width: 60, bgcolor: transparent"]
    10
    [/TD]
    [TD="width: 115, bgcolor: transparent"]
    110
    [/TD]
    [TD="width: 152, bgcolor: transparent"] 100,000,000
    [/TD]
    [/TR]
    [TR]
    [TD="width: 231, bgcolor: transparent"]2 – 3 bedrooms
    [/TD]
    [TD="width: 60, bgcolor: transparent"]
    16
    [/TD]
    [TD="width: 115, bgcolor: transparent"]
    85
    [/TD]
    [TD="width: 152, bgcolor: transparent"] 77,000,000
    [/TD]
    [/TR]
    [TR]
    [TD="width: 231, bgcolor: transparent"]3A – 3 bedrooms
    [/TD]
    [TD="width: 60, bgcolor: transparent"]
    8
    [/TD]
    [TD="width: 115, bgcolor: transparent"]
    95
    [/TD]
    [TD="width: 152, bgcolor: transparent"] 86,000,000
    [/TD]
    [/TR]
    [TR]
    [TD="width: 231, bgcolor: transparent"]3B – 4 bedrooms
    [/TD]
    [TD="width: 60, bgcolor: transparent"]
    6
    [/TD]
    [TD="width: 115, bgcolor: transparent"]
    115
    [/TD]
    [TD="width: 152, bgcolor: transparent"] 104,000,000
    [/TD]
    [/TR]
    [TR]
    [TD="width: 231, bgcolor: transparent"]3C - 3 bedrooms with Car
    [/TD]
    [TD="width: 60, bgcolor: transparent"]
    5
    [/TD]
    [TD="width: 115, bgcolor: transparent"]
    115
    [/TD]
    [TD="width: 152, bgcolor: transparent"] 104,000,000
    [/TD]
    [/TR]
    [TR]
    [TD="width: 231, bgcolor: transparent"]4A – 2 bedrooms
    [/TD]
    [TD="width: 60, bgcolor: transparent"]
    9
    [/TD]
    [TD="width: 115, bgcolor: transparent"]
    85
    [/TD]
    [TD="width: 152, bgcolor: transparent"] 77,000,000
    [/TD]
    [/TR]
    [TR]
    [TD="width: 231, bgcolor: transparent"]4B – 3 bedrooms
    [/TD]
    [TD="width: 60, bgcolor: transparent"]
    6
    [/TD]
    [TD="width: 115, bgcolor: transparent"]
    100
    [/TD]
    [TD="width: 152, bgcolor: transparent"] 91,000,000
    [/TD]
    [/TR]
    [TR]
    [TD="width: 231, bgcolor: transparent"]5A – 2 bedrooms
    [/TD]
    [TD="width: 60, bgcolor: transparent"]
    7
    [/TD]
    [TD="width: 115, bgcolor: transparent"]
    100
    [/TD]
    [TD="width: 152, bgcolor: transparent"] 91,000,000
    [/TD]
    [/TR]
    [TR]
    [TD="width: 231, bgcolor: transparent"]5B – 3 bedrooms
    [/TD]
    [TD="width: 60, bgcolor: transparent"]
    9
    [/TD]
    [TD="width: 115, bgcolor: transparent"]
    120
    [/TD]
    [TD="width: 152, bgcolor: transparent"] 109,000,000
    [/TD]
    [/TR]
    [TR]
    [TD="width: 231, bgcolor: transparent"][/TD]
    [TD="width: 60, bgcolor: transparent"]
    85
    [/TD]
    [TD="width: 115, bgcolor: transparent"][/TD]
    [TD="width: 152, bgcolor: transparent"][/TD]
    [/TR]
    [/TABLE]



    (ii) Spot Selling Prices for Houses constructed under Phase II
    [TABLE="class: MsoNormalTable, width: 397"]
    [TR]
    [TD="width: 219, bgcolor: transparent"]Type of house
    [/TD]
    [TD="width: 57, bgcolor: transparent"]No. of units
    [/TD]
    [TD="width: 110, bgcolor: transparent"]Build up area (sq. Metre)
    [/TD]
    [TD="width: 145, bgcolor: transparent"]spot price
    [/TD]
    [/TR]
    [TR]
    [TD="width: 219, bgcolor: transparent"]I – 3 bedrooms
    [/TD]
    [TD="width: 57, bgcolor: transparent"]
    38
    [/TD]
    [TD="width: 110, bgcolor: transparent"]
    120
    [/TD]
    [TD="width: 145, bgcolor: transparent"] 113,000,000
    [/TD]
    [/TR]
    [TR]
    [TD="width: 219, bgcolor: transparent"]2 - 3 bedrooms
    [/TD]
    [TD="width: 57, bgcolor: transparent"]
    40
    [/TD]
    [TD="width: 110, bgcolor: transparent"]
    105
    [/TD]
    [TD="width: 145, bgcolor: transparent"] 99,000,000
    [/TD]
    [/TR]
    [TR]
    [TD="width: 219, bgcolor: transparent"]3A - 3 bedrooms
    [/TD]
    [TD="width: 57, bgcolor: transparent"]
    8
    [/TD]
    [TD="width: 110, bgcolor: transparent"]
    95
    [/TD]
    [TD="width: 145, bgcolor: transparent"] 90,000,000
    [/TD]
    [/TR]
    [TR]
    [TD="width: 219, bgcolor: transparent"]3B - 3 bedrooms
    [/TD]
    [TD="width: 57, bgcolor: transparent"]
    32
    [/TD]
    [TD="width: 110, bgcolor: transparent"]
    125
    [/TD]
    [TD="width: 145, bgcolor: transparent"] 117,000,000
    [/TD]
    [/TR]
    [TR]
    [TD="width: 219, bgcolor: transparent"]4A - 3 bedrooms
    [/TD]
    [TD="width: 57, bgcolor: transparent"]
    12
    [/TD]
    [TD="width: 110, bgcolor: transparent"]
    95
    [/TD]
    [TD="width: 145, bgcolor: transparent"] 90,000,000
    [/TD]
    [/TR]
    [TR]
    [TD="width: 219, bgcolor: transparent"]4B - 3 bedrooms
    [/TD]
    [TD="width: 57, bgcolor: transparent"]
    39
    [/TD]
    [TD="width: 110, bgcolor: transparent"]
    115
    [/TD]
    [TD="width: 145, bgcolor: transparent"] 108,000,000
    [/TD]
    [/TR]
    [TR]
    [TD="width: 219, bgcolor: transparent"]5A - 3 bedrooms
    [/TD]
    [TD="width: 57, bgcolor: transparent"]
    13
    [/TD]
    [TD="width: 110, bgcolor: transparent"]
    105
    [/TD]
    [TD="width: 145, bgcolor: transparent"] 99,000,000
    [/TD]
    [/TR]
    [TR]
    [TD="width: 219, bgcolor: transparent"]5B – 4 bedrooms
    [/TD]
    [TD="width: 57, bgcolor: transparent"]
    33
    [/TD]
    [TD="width: 110, bgcolor: transparent"]
    125
    [/TD]
    [TD="width: 145, bgcolor: transparent"] 118,000,000
    [/TD]
    [/TR]
    [TR]
    [TD="width: 219, bgcolor: transparent"][/TD]
    [TD="width: 57, bgcolor: transparent"]
    215
    [/TD]
    [TD="width: 110, bgcolor: transparent"][/TD]
    [TD="width: 145, bgcolor: transparent"][/TD]
    [/TR]
    [/TABLE]

    4.0 PURCHASE MODALITIES
    4.1 Houses will be sold through either outright purchase or mortgage
    arrangements.

    4.2 OUTRIGHT PURCHASE
    4.2.1 Members who are intending to purchase any house available using outright purchase arrangements are required to buy an application from any of the Fund’s offices, filling in all relevant information about their membership and return the form to the Fund for prequalification.


    4.2.2 After prequalification, a letter of offer will be issued and theprospective buyer shall be required to complete all purchase formalities and full payment for the house within seven (7) working days since issuance of the offer letter. Any delay beyond this time frame shall lead to automatic termination of the offer and forfeiting of any amount so paid.

    4.3 MORGATE ARRANGEMENTS
    4.3.1 Members intending to purchase houses using mortgage arrangements shall have to buy an application form from any of the Fund’s offices, fill in all relevant membership information and return the form to the Fund for prequalification. Offer Letters will be issuedto applicants meeting the minimum membership requirements. The Offer Letter will then be used for processing a mortgage from a Bank or any other financial institutions.

    4.3.2 Any Bank or financial institution willing to issue a mortgage to any prequalified member of the Fund will have to issue a Mortgage Approval Letter and the same will be used by the Fund for final allocation of a house and completion of a legal procedures and financing closure.

    4.3.3 Worth noting is the fact that the Offer Letter issued to any prequalified member of the Fund is not a commitment by the Fund on the availability of the house indicated in the latter. A firm commitment by the Fund will be made at the time the applicants
    secures a Mortgage Approval from the Bank/Financial Institution. At
    this point a specific house, depending on the availability, will be
    allocated and lock-on for mortgage process finalization.

    4.3.4 The mortgage finalization process should be completed within a
    period of two weeks beyond which the commitment by the Fund on
    the availability of the indicated house will expire and the said house
    shall be allocated to next mortgage approved member.

    4.3.5 Members of the Fund are enticed to approach Commercial Bank of Africa (CBA) with whom the Fund has agreement for the Bank to issue concessionary-based mortgages to members of the Fund who are intending to buy houses these houses.

    4.3.6 However, mortgage arrangements from other Banks convenient to the prospective buyers will also be accepted.

    5.0 ELIGIBILITY
    5.1 The following are necessary eligibility conditions for any person to be qualified as a prospective buyer of any one of houses being sold by the Fund:

    i) s/he should be a Tanzanian, duly registered with the Fund (NSSF), who has contributed for at least thirty six (36) months and is current in her/his contribution remittance; and

    ii) s/he should have not have acquired a house from the Fund previously;
    6.0 OWNERS ASSOCIATIONS
    6.1 It worth noting in advance that as per Unit Title Act, 2008, those who will be
    owners of these houses will be required to form Owners Association which
    will formulate by-laws to guide on the use and management, among others,
    of common and general community life style. The Fund will facilitate the
    initial stages. All buyers will be required to abide to the by-laws that will set
    be this Association.
    _ _
    7.0 APPLICATION FORMS

    7.1 Application forms for buying the houses indicated above are available at all NSSF offices all over the country.

    7.2 Each application form will be used for applying one house only and each member will be required to apply for one house only.

    7.3 Each Application Form is available at a non-refundable fee of Tshs.
    5,000/=

    7.4 Prequalification of members eligible for buying these houses will be done before purchase of the Application Forms.

    7.5 Duly completed forms shall be submitted in a sealed envelope addressed to:

    Director General
    National Social Security Fund
    P.O. Box 1322,
    DAR ES SALAAM

    7.6 A copy of a receipt issued for paying the application fee should be attached with the form for the application form to be considered legitimate.

    8.0 SITE VISITS
    8.1 There are personnel stationed at the project site (Mtoni Kijichi) to provide information and to conduct tour guides for those who will prefer to make
    physical inspection of the houses. However, the inspection is not mandatory as qualifying criteria.

    8.2 Site visits are allowed from 0900 hrs to 1700 Monday to Sunday:
    _ __
    9.0 CONTACTS
    9.1 For more information
    Hotline: +255 756 140 140
    +255 767 140 154
    +255 756 140 118
    +255 756 140 100
    Postal Address: Director General, NSSF, Box 1322, DSM
    Tel: +255 22 2163400 - 19
    Physical Address: Benjamin Mkapa Pensions Towers along Azikiwe /
    Jamhuri Street
     
  2. Kachanchabuseta

    Kachanchabuseta JF-Expert Member

    #2
    Aug 18, 2012
    Joined: Mar 8, 2010
    Messages: 7,290
    Likes Received: 3
    Trophy Points: 135
    [TABLE="width: 505"]
    [TR]
    [TD="class: xl67, width: 423, bgcolor: transparent, colspan: 4"]AMOUNT OF LOAN (TANZANIA SHILLING / USD)[/TD]
    [TD="class: xl68, width: 109, bgcolor: transparent"] 68,000,000.00 [/TD]
    [TD="class: xl69, width: 141, bgcolor: transparent"] [/TD]
    [/TR]
    [TR]
    [TD="class: xl70, bgcolor: transparent"] [/TD]
    [TD="class: xl70, bgcolor: transparent"] [/TD]
    [TD="class: xl71, bgcolor: transparent"] [/TD]
    [TD="class: xl72, bgcolor: transparent"] [/TD]
    [TD="class: xl73, bgcolor: transparent"] [/TD]
    [TD="class: xl69, bgcolor: transparent"] [/TD]
    [/TR]
    [TR]
    [TD="class: xl74, bgcolor: transparent, colspan: 4"]REPAYMENT PERIOD - MONTHS BY WAY OF [/TD]
    [TD="class: xl73, bgcolor: transparent, align: right"]180 [/TD]
    [TD="class: xl69, bgcolor: transparent"] [/TD]
    [/TR]
    [TR]
    [TD="class: xl67, bgcolor: transparent, colspan: 4"]MONTHLY INSTALMENTS COMMENCING[/TD]
    [TD="class: xl72, bgcolor: transparent"] [/TD]
    [TD="class: xl76, bgcolor: transparent"] [/TD]
    [/TR]
    [TR]
    [TD="class: xl75, bgcolor: transparent, colspan: 4"]1st MONTH AFTER DISBURSEMENT OF LOAN[/TD]
    [TD="class: xl72, bgcolor: transparent"] [/TD]
    [TD="class: xl77, bgcolor: transparent"] [/TD]
    [/TR]
    [TR]
    [TD="class: xl70, bgcolor: transparent"] [/TD]
    [TD="class: xl70, bgcolor: transparent"] [/TD]
    [TD="class: xl71, bgcolor: transparent"] [/TD]
    [TD="class: xl74, bgcolor: transparent"] [/TD]
    [TD="class: xl72, bgcolor: transparent"] [/TD]
    [TD="class: xl78, bgcolor: transparent"] [/TD]
    [/TR]
    [TR]
    [TD="class: xl70, bgcolor: transparent"] [/TD]
    [TD="class: xl70, bgcolor: transparent"] [/TD]
    [TD="class: xl71, bgcolor: transparent"] [/TD]
    [TD="class: xl74, bgcolor: transparent"] [/TD]
    [TD="class: xl72, bgcolor: transparent"] [/TD]
    [TD="class: xl78, bgcolor: transparent"] [/TD]
    [/TR]
    [TR]
    [TD="class: xl67, bgcolor: transparent, colspan: 4"]INTEREST P.A.[/TD]
    [TD="class: xl79, bgcolor: transparent, align: right"]22.00%[/TD]
    [TD="class: xl80, bgcolor: transparent"] [/TD]
    [/TR]
    [TR]
    [TD="class: xl67, bgcolor: transparent"] [/TD]
    [TD="class: xl67, bgcolor: transparent"] [/TD]
    [TD="class: xl67, bgcolor: transparent"] [/TD]
    [TD="class: xl67, bgcolor: transparent"] [/TD]
    [TD="class: xl79, bgcolor: transparent"] [/TD]
    [TD="class: xl80, bgcolor: transparent"] [/TD]
    [/TR]
    [TR]
    [TD="class: xl81, bgcolor: transparent"]---------------[/TD]
    [TD="class: xl81, bgcolor: transparent"]-------------------------[/TD]
    [TD="class: xl81, bgcolor: transparent"]-------------------------[/TD]
    [TD="class: xl81, bgcolor: transparent"] [/TD]
    [TD="class: xl81, bgcolor: transparent"]--------------[/TD]
    [TD="class: xl81, bgcolor: transparent"]---------------[/TD]
    [/TR]
    [TR]
    [TD="class: xl82, bgcolor: transparent"] [/TD]
    [TD="class: xl81, bgcolor: transparent"]WITH ONE INITIAL PAYMENT[/TD]
    [TD="class: xl70, bgcolor: transparent"] [/TD]
    [TD="class: xl70, bgcolor: transparent"] [/TD]
    [TD="class: xl70, bgcolor: transparent"] [/TD]
    [TD="class: xl70, bgcolor: transparent"] [/TD]
    [/TR]
    [TR]
    [TD="class: xl70, bgcolor: transparent"] [/TD]
    [TD="class: xl81, bgcolor: transparent"] [/TD]
    [TD="class: xl70, bgcolor: transparent"] [/TD]
    [TD="class: xl70, bgcolor: transparent"] [/TD]
    [TD="class: xl70, bgcolor: transparent"] [/TD]
    [TD="class: xl70, bgcolor: transparent"] [/TD]
    [/TR]
    [TR]
    [TD="class: xl75, bgcolor: transparent"]----------------[/TD]
    [TD="class: xl75, bgcolor: transparent"]-------------------------[/TD]
    [TD="class: xl75, bgcolor: transparent"]-------------------------[/TD]
    [TD="class: xl75, bgcolor: transparent"]----------------[/TD]
    [TD="class: xl75, bgcolor: transparent"]-----------------[/TD]
    [TD="class: xl75, bgcolor: transparent"]------------------[/TD]
    [/TR]
    [TR]
    [TD="class: xl75, bgcolor: transparent"]MONTHS[/TD]
    [TD="class: xl82, bgcolor: transparent"]PRINCIPAL[/TD]
    [TD="class: xl75, bgcolor: transparent"]INTEREST[/TD]
    [TD="class: xl75, bgcolor: transparent"]CAPITAL[/TD]
    [TD="class: xl83, bgcolor: transparent"]TOTAL OF[/TD]
    [TD="class: xl75, bgcolor: transparent"]PRINCIPAL[/TD]
    [/TR]
    [TR]
    [TD="class: xl70, bgcolor: transparent"] [/TD]
    [TD="class: xl82, bgcolor: transparent"]AT BEGIN.[/TD]
    [TD="class: xl75, bgcolor: transparent"] [/TD]
    [TD="class: xl75, bgcolor: transparent"]REPMT.[/TD]
    [TD="class: xl83, bgcolor: transparent"]INSTAL.[/TD]
    [TD="class: xl75, bgcolor: transparent"]AT END[/TD]
    [/TR]
    [TR]
    [TD="class: xl75, bgcolor: transparent"]----------------[/TD]
    [TD="class: xl75, bgcolor: transparent"]----------------[/TD]
    [TD="class: xl75, bgcolor: transparent"]----------------[/TD]
    [TD="class: xl75, bgcolor: transparent"]----------------[/TD]
    [TD="class: xl75, bgcolor: transparent"]----------------[/TD]
    [TD="class: xl75, bgcolor: transparent"]------------------[/TD]
    [/TR]
    [TR]
    [TD="class: xl70, bgcolor: transparent, align: right"]1 [/TD]
    [TD="class: xl84, bgcolor: transparent"] 68,000,000.00 [/TD]
    [TD="class: xl84, bgcolor: transparent"] 1,246,666.67 [/TD]
    [TD="class: xl84, bgcolor: transparent"] 49,247.41 [/TD]
    [TD="class: xl85, bgcolor: transparent, align: right"]1,295,914.08 [/TD]
    [TD="class: xl84, bgcolor: transparent"] 67,950,752.59 [/TD]
    [/TR]
    [TR]
    [TD="class: xl70, bgcolor: transparent, align: right"]2 [/TD]
    [TD="class: xl84, bgcolor: transparent"] 67,950,752.59 [/TD]
    [TD="class: xl84, bgcolor: transparent"] 1,245,763.80 [/TD]
    [TD="class: xl84, bgcolor: transparent"] 50,150.28 [/TD]
    [TD="class: xl84, bgcolor: transparent"] 1,295,914.08 [/TD]
    [TD="class: xl84, bgcolor: transparent"] 67,900,602.30 [/TD]
    [/TR]
    [TR]
    [TD="class: xl70, bgcolor: transparent, align: right"]3 [/TD]
    [TD="class: xl84, bgcolor: transparent"] 67,900,602.30 [/TD]
    [TD="class: xl84, bgcolor: transparent"] 1,244,844.38 [/TD]
    [TD="class: xl84, bgcolor: transparent"] 51,069.71 [/TD]
    [TD="class: xl84, bgcolor: transparent"] 1,295,914.08 [/TD]
    [TD="class: xl84, bgcolor: transparent"] 67,849,532.60 [/TD]
    [/TR]
    [TR]
    [TD="class: xl70, bgcolor: transparent, align: right"]4 [/TD]
    [TD="class: xl84, bgcolor: transparent"] 67,849,532.60 [/TD]
    [TD="class: xl84, bgcolor: transparent"] 1,243,908.10 [/TD]
    [TD="class: xl84, bgcolor: transparent"] 52,005.98 [/TD]
    [TD="class: xl84, bgcolor: transparent"] 1,295,914.08 [/TD]
    [TD="class: xl84, bgcolor: transparent"] 67,797,526.61 [/TD]
    [/TR]
    [TR]
    [TD="class: xl70, bgcolor: transparent, align: right"]5 [/TD]
    [TD="class: xl84, bgcolor: transparent"] 67,797,526.61 [/TD]
    [TD="class: xl84, bgcolor: transparent"] 1,242,954.65 [/TD]
    [TD="class: xl84, bgcolor: transparent"] 52,959.43 [/TD]
    [TD="class: xl84, bgcolor: transparent"] 1,295,914.08 [/TD]
    [TD="class: xl84, bgcolor: transparent"] 67,744,567.19 [/TD]
    [/TR]
    [TR]
    [TD="class: xl70, bgcolor: transparent"] [/TD]
    [TD="class: xl69, bgcolor: transparent"] [/TD]
    [TD="class: xl86, bgcolor: transparent"] [/TD]
    [TD="class: xl86, bgcolor: transparent"] [/TD]
    [TD="class: xl86, bgcolor: transparent"] [/TD]
    [TD="class: xl86, bgcolor: transparent"] [/TD]
    [/TR]
    [TR]
    [TD="class: xl70, bgcolor: transparent"] [/TD]
    [TD="class: xl69, bgcolor: transparent"] [/TD]
    [TD="class: xl87, bgcolor: transparent"] 165,264,533 [/TD]
    [TD="class: xl87, bgcolor: transparent"] 68,000,000 [/TD]
    [TD="class: xl87, bgcolor: transparent"] [/TD]
    [TD="class: xl87, bgcolor: transparent"] 233,264,533 [/TD]
    [/TR]
    [TR]
    [TD="class: xl66, bgcolor: transparent"]233 Million[/TD]
    [TD="class: xl69, bgcolor: transparent"]Maumivu kwa hela unayorudisha after 180 months wakati umekopa 68 million[/TD]
    [TD="bgcolor: transparent"][/TD]
    [TD="bgcolor: transparent"][/TD]
    [TD="bgcolor: transparent"][/TD]
    [TD="bgcolor: transparent"][/TD]
    [/TR]
    [/TABLE]
     
  3. Nyakageni

    Nyakageni JF-Expert Member

    #3
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    Mi simwelewi huyu Irene, sijui kanafikiria nini.
     
  4. Mwalimu

    Mwalimu JF-Expert Member

    #4
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    Kwa hiyo unaishia kulipa pesa mara 3 zaidi ya uliyokopa!!
     
  5. jouneGwalu

    jouneGwalu JF-Expert Member

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    Kazi kwenu tu wenye visu vikali mle nyama sasa!
     
  6. OLESAIDIMU

    OLESAIDIMU JF-Expert Member

    #6
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    Ama kweli kifo cha nyani.......yaan serikali yetu ni kama imeazimwa nje kuja kutenda kazi za ndani............nyumba ya vyumba viwili 68M na interest juuu???????

    Haya bana mmeeleweka
     
  7. Njilembera

    Njilembera JF-Expert Member

    #7
    Aug 18, 2012
    Joined: May 10, 2008
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    Ngoja! Have these houses been constructed already or they are in the process of being constructed. Information that I had was NSSF in association with a private firm (which is to introduce prefab hi-tech in the development) was still contemplating pursuing the project!

    The stats are shocking - if only one could avail himself Tshs 68m today and invest in this kind of venture, from this stat, you would earn a threefold of the principal sum, if you aimed down to less than 200m then after 1 and half years 99% interest compounded - (i.e 68 x (1.99^1.5))= 190m!

    And the big question would be whether property values are likely to change at such a rate and the evidence is NONE! Between 2005 and 2012 property values in the popular residential districts of Dar such as Kijitonyama and Mikocheni have changed at an average of not more than 12% per annum- such that whereas you could buy a house in Knyama at around Tshs 50m in 2005, that same house would probably cost you today around Tshs 110m. If you take the NSSF scenario, a low income earner would immediately become richer as the house purchased will have appreciated by over 100% compounded in less than 2 years! Oh WHAT NICE WAYS OF EMPOWERING THE POOR!
     
  8. M

    MWAKIKALI Member

    #8
    Aug 18, 2012
    Joined: Jun 8, 2012
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    wanaita AFFORDABLE HOUSES,
     
  9. The Listener

    The Listener JF-Expert Member

    #9
    Aug 18, 2012
    Joined: Feb 5, 2012
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    kwa nini iwe ni commercial bank of africa wakati kuna bank nyingine zinazotoa mortgage loan? Riba yaweza kuwa nafuu huko. Hamuoni huku ji kupigiana mapande na kutompa mwananachama wigo mpana wa kuchagua?
     
  10. kibai

    kibai JF-Expert Member

    #10
    Aug 18, 2012
    Joined: Jan 31, 2012
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    Huo ndiyo ujambazi wa banks siyo Irene. BoT are supposed to regulate prices, lazima kuwe na bei elekezi, lakini watakwambia hakuna hela ya kutosha, more demand for money kuliko supply! Ni fumbo kubwa sana. Hiyo 10% tu ni kubwa sana, tena for 15 years, imagine! Umasikini utaendelea tu.
     
  11. Mungi

    Mungi JF Gold Member

    #11
    Aug 18, 2012
    Joined: Sep 23, 2010
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    F.ck them all!
     
  12. The Listener

    The Listener JF-Expert Member

    #12
    Aug 18, 2012
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    kuna kila dalili wenye mshahara mkubwa na michango ya muda mrefu ambao n haohao wanenen ndo watakaonunua nyumba hizi. Kwa nini kizazi cha dot com kimesahaulika kabisa katika nchi hii? ni lini kitapata walau nafuu ambayo hawa wakuu wameifanya kuwa ya kudumu upande wao
     
  13. Msolopagazi

    Msolopagazi JF-Expert Member

    #13
    Aug 18, 2012
    Joined: Nov 26, 2010
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    Hatuzitaki hizo nyumba za kifisadi sie tunachotaka ni mafao yetu baada ya kazi kuiisha tena waandae fungu kubwa kwani Barrick wameshatangaza kuuza migodi yao yote minne hapa Tz hapo ndio wataumbuka kama Nssf wana hela za kutosha kwani ma miner ndiyo wachangiaji wakubwa kwani hatuwezi kuuzwa kwa Wachina bila kulipwa chetu kwanza
     
  14. Lambardi

    Lambardi JF-Expert Member

    #14
    Aug 18, 2012
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    Hatutaki hiyo option yao kwanza bei kubwa sana,pili malipo mara 3 ya bei uliokopea,tunataka pesa zetu tutajenga wenyewe!!
     
  15. a

    artorius JF-Expert Member

    #15
    Aug 18, 2012
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    Mkuu naomba unieleweshe kidogo,huoni kwamba inaweza kutokea yale yaliyotokea U.S kipindi kile mabenk yalivyo-overlend watu nao wakakimbilia ku-invest kwenye houses?je kuna gurantee kuwa prices za nyumba zitabaki kuwa juu?
     
  16. Chiwa

    Chiwa JF-Expert Member

    #16
    Aug 18, 2012
    Joined: Apr 17, 2008
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    Huu ni wizi na siwaelewi kabisa! kwanza wanawekeza fedha za watu bila kuwalipa faida, cha pili benki nyingine inafanya biashara ya mikopo kwa kutegemea mtaji wa watu wengine kwa riba kubwa na cost of capital kiduchu na naamini mwenye mtaji hapati kitu kwa thamani ya hela aliyo weka.
    lakini nauliza hivi hatuwezi kufanya mifuko wetu wenyewe ikafanafana ikatulipa kuliko huu wizi?
     
  17. m

    mob JF-Expert Member

    #17
    Aug 18, 2012
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    Kama hutaki nyumba unataka hela
     
  18. King Kong III

    King Kong III JF-Expert Member

    #18
    Aug 18, 2012
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    Ndio maana hatutaki hii mikopo ya nyumba kwani ni gelesha tu! Miaka 15 ulipe 238m nitazitoa wapi? Hela yangu hii nayochukua kwa mwezi bila kutumia hata sumni itanichukua miaka 40 kulimaliza deni,je wakifuatisha sheria za BOT itanibidi inichukue miaka 90 kuanzia sasa mpaka nimalize deni la nyumba ya vyumba vi2,huu ni wizi wa mchana kweupu hizo nyumba wafanyakazi wengi tunaochukua less 3m per m hatuziwezi kwani mishaara yetu ipo less than 1m.
     
  19. TabletFellow

    TabletFellow JF-Expert Member

    #19
    Aug 18, 2012
    Joined: May 17, 2011
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    hizo bei sio realistic
     
  20. T

    Tasia I JF-Expert Member

    #20
    Aug 18, 2012
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    kwani kanafikiria?
     
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