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Usiogope kujenga nyumba Tanzania kwa kuogopa gharama

Discussion in 'Matangazo madogo' started by janejean, Dec 13, 2011.

  1. j

    janejean Member

    #1
    Dec 13, 2011
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    kila mtanzania anaweza kujenga nyumba ya kuishi mwenyewe iwapo kama una nia yakufanya hivyo. Nunua kitu kimoja kimoja pindi unapopata hela kidogo. kuna watu wanapanga nyumba kwa mamilion ya shilingi kwa kuwa nyumba hiyo ina hadhi anayoipenda. na wala atarajii kuhama mji huo. wakati hela hiyo angeweza kununulia eneo, na baadae kupata ushauri wa wataalam. na baada ya miaka michache sana utakuwa na nyumba nzuri 'yako' Yenye thamani kubwa, ambayo husingelipata hela hiyo 'in cash' think about it.
     
  2. rmashauri

    rmashauri JF-Expert Member

    #2
    Dec 13, 2011
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    Nafikiri kiswahili fasaha ni :Usiogope na si Husiogope
     
  3. King Kong III

    King Kong III JF-Expert Member

    #3
    Dec 13, 2011
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    100 sure
     
  4. j

    janejean Member

    #4
    Dec 13, 2011
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    thanx rmashauri!
     
  5. B

    Bajabiri JF-Expert Member

    #5
    Dec 13, 2011
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    Aksante!
    Thana!
     
  6. Jestina

    Jestina JF-Expert Member

    #6
    Dec 13, 2011
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    thanks,umejenga?? umetumia shiling ngapi?
     
  7. lukenza

    lukenza Senior Member

    #7
    Dec 13, 2011
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    ni kweli
     
  8. Chatumkali

    Chatumkali JF-Expert Member

    #8
    Dec 13, 2011
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    O.K!!!!
     
  9. y

    yalaiti Member

    #9
    Dec 13, 2011
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    apo umenena
     
  10. TIMING

    TIMING JF-Expert Member

    #10
    Dec 14, 2011
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    Hasante kwa hushauli
     
  11. K

    Kwameh JF-Expert Member

    #11
    Dec 14, 2011
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    hinategemea hunajenga nyumba ya haina gani, hau ya kiwango gani, kama ni heneo la kujilalia tu kama banda la kuku basi hata laki moja hinaweza hikatosheapo
     
  12. Riwa

    Riwa JF-Expert Member

    #12
    Dec 14, 2011
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    Sioni kama kuna kosa kutumia mamilioni ya shilingi kupanga nyumba yenye hadhi anayopenda mtu...na unaposema kuwa atumie hayo mamilioni ya kodiya nyumba kununua eneo, in the mean time akijenga/akisubiri kujenga alale porini?

    Ugumu wa waTanzania kuwa na nyumba inatokana na kutokuwa na mfumo wa mortgage utakaokuwezesha kuwa na nyumba ukahamia huku ukilipa taratibu kwa muda mrefeu, kama ambavyo ungesave na kujenga! Hata nchi zilizoendelea hawadundulizi ili kujenga nyumba....wana mortgage au kwa wenye hela wananunua nyumba kabisa.

    Wakati unajenga lazima maisha yaendelee, na hili linajumuisha kuishi mahali/kwenye nyumba nzuri kwa afya na usalama wako na pia familia yako...sioni kosa kupanga nyumba nzuri kwa ghara kubwa lakini unaafford!
     
  13. Bhbm

    Bhbm JF-Expert Member

    #13
    Dec 14, 2011
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    Hahaha hehehe
     
  14. Shark

    Shark JF-Expert Member

    #14
    Dec 14, 2011
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    Hivi kaka msingi wa ile kitu nliyoku-PM last time inaweza kwenda kwa ngapi?
     
  15. j

    janejean Member

    #15
    Dec 14, 2011
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    Maisha yanabadilika kila siku. Kazi unayoifanya sasa sio utakayoifanya miaka 5 ijayo! yawezekana ukawa na kipato kikubwa zaidi
    au kikashuka kuliko hata sasa. Jisaidie na usisubiri kusaidiwa. Coz utakufa na kusahauliwa mapema.
     
  16. rmashauri

    rmashauri JF-Expert Member

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    Inategemea na size ya nyumba yako na mafundi uliotumia mkuu. Kwamfano kuna nyumba ambayo ground floor ni 210 square metres na msingi peke yake umetafuna around 34 mil. (material + labour + consultancy)
     
  17. Z

    ZeMarcopolo JF-Expert Member

    #17
    Dec 15, 2011
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    Hii post yako ina ushauri usiho sahihi hata kidogo.
    Kwa vile inaweza kumshawishi mtu mwenye mawazo mazuri akapotea, nitachangia kidogo.
    Unapoput blame on mortgage system unakuwa umesahau kuwa jukumu la kila mmoja wetu ni kutafuta njia za kusurvive katika environment yake. Huwezi kuishi Tanzania kwa kutegemea system ya Marekani, hivyo basi kama uko Bongo unapaswa kujifunza kujenga kutokana na uhalisia. Mortgage system siyo kama haipo Tanzania, ipo ila coverage yake ni ndogo.

    Yule anayeamini kuwa maisha "lazima yaendelee" anajidanganya kuwa yule anayesave kwa kujenga maisha yake yamesimama, la hasha. Check him/her out after 4-5 years he will be happier and more secure than yule anayepanga.
    Unaposema ni sahihi mtu kutumia pesa yake yote kulipia nyumba huku akilaumu mfumo wa mortgage wa Tanzania, kumbuka kuwa Tanzania pia haina mfumo mzuri wa pension ambao unawahakikishia wananchi makazi na services nyingine mara wanapostaafu au kushindwa kufanya kazi kwa sababu nyingine. Hapo jiulize, security ya huyu aliyekuwa anakodi nyumba ya gharama kubwa inatoka wapi akistaafu au kupata disability?

    Hivyo basi, ushauri sahihi kwa watanzania ni kwamba iwapo kipato chako kinaruhusu saving basi fanya hivyo kwa malengo ya kujenga nyumba ASAP. Ukishakuwa na mahali pa kuishi, it is easier kudeal na changamoto nyingine za chakula, ada, matibabu n.k
     
  18. j

    janejean Member

    #18
    Dec 16, 2011
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    umenena mkuu, big up!
     
  19. HAZOLE

    HAZOLE JF-Expert Member

    #19
    Dec 16, 2011
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    nyumba is a very potential asset. ni mama na ni baba. jamani hima tu save na tujenge
     
  20. Candid Scope

    Candid Scope JF-Expert Member

    #20
    Dec 16, 2011
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    Hajasema anayepanga nyumba ya gharama ana kosa. Ila anatoa ushauri kwamba ingefaa tufikirie kujenga nyumba Tanzania kwa wenzetu walio nje ingefaa. Hapa sijaona tatizo la kutetea kwani ni ushauri na wala si shutuma.

    Nimeshuhudia waafrika wengi wakishafika ughaibuni wanataka maisha ya kushindana kwa kuonekana na wala si kwa kupima uchumi na future ya maisha. Hilo ni tatizo na sionei aibu kulielezea. Ukweli utabaki hata nikishambuliwa wala ukweli huu hautaondoka.

    Wazungu wanajua kubana sana matumizi, na hata kama wana nafasi nzuri ya kupata pesa lakini anajali kesho atakuwaje. Nilipokuwa huko nilishuhudia boss/president wa kampuni na waandamizi wao wanatumia magari ya kawaida tu na hata tulikuwa tunaswali sehemu moja hali ni ile ile. Tulipokuwa tunaongea akanishauri sana jitahidi kusave pesa for your best future, you never know you future, and your future depends on how you make it now not later.

    Pesa nyingi wanazopata wanaofanya kazi ughaibuni kwa wanaofanya kazi zenye kipato cha kati kwa mwaka mmoja mpaka miwili anaweza kujenga nyumba bongo iliyokamilika kwa gharama nafuu kabisa, ila inategemea unamtumia nani kujenga. Hili linaezekana sana tu kwa kuwa nilijaribu kufanya hivyo na nilipata nafuu nilipoanza maisha bongo kwani kujinyima yasiyo ya lazima utafaidi matunda yake.

    Kwa sasa nimekusudia kuanza utume kwa kuwasaidia wenzangu walioko nje kwa kuwajengea nyuma, tangazo nitaliweka hapa JF karibuni na taratibu zake na gharama ambazo atakuwa amezipunguza kama atatumia kapuni za ujenzi. Nina uzoefu kutokana na nilivyofanya kibanda changu. Si utani, I'm really serious for those who are serious too.
     
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