Battle: Dar es Salaam vs Nairobi

Battle: Dar es Salaam vs Nairobi

Mwenzako alishasema bongolalas can't afford mortgage na hakudanganya. 😂 😂 😂 Only 2% of bongolalas in urban areas can afford to get mortgage to purchase a decent house. 98% can't afford, ndio wanajenga vitu vya ajabu.

Fig. 1
stop consoling yourself where did I say Tanzanian cannot afford mortgage? Acha kujitekenya kijana.
 
If the uptake is low it means majority can't afford it. It's simple common sense.
Tanzanians dream is to buid thwir own house and kick out paing RENTS.

Kenyams always dream of LIVING in RENTED/MORTGAGED APARTMENTS.

A Tanzanian is ready to build a small house like this to LIVE FREE rather than kuweka MAKENDE in a STUDIO APARTMENT paying rents.


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You were raised up by Europeans you adopted their mentality unlike us we rose up by ourselves and we created our own culture when it comes to housing.
You are trying so hard to justify the informality in your economy. 😂 😂 😂 Hakuna kitu kama you created your own culture, the modern world moves in a common sequence which everyone adapts to, that's why we have civilizations. Nyinyi bado mko nyuma wacha excuses za kipumbavu.
 
Tanzanians dream is to buid thwir own house and kick out paing RENTS.

Kenyams always dream of LIVING in RENTED/MORTGAGED APARTMENTS.

A Tanzanian is ready to build a small house like this to LIVE FREE rather than kuweka MAKENDE in a STUDIO APARTMENT paying rents.


View attachment 3548047
kiuhalisia maisha ndo yanatakiwa kua ivo, una nyumba yako, garden, geti najua wakenya wanapenda kuishi pipeline 🤣 🤣
 
You are trying so hard to justify the informality in your economy. 😂 😂 😂 Hakuna kitu kama you created your own culture, the modern world moves in a common sequence which everyone adapts to, that's why we have civilizations. Nyinyi bado mko nyuma wacha excuses za kipumbavu.
nyuma aje sasa? even animals wanatengeneza kingdom zao wenyewe ingekua animals wanawaza kama nyie kungekua na mnyama kila branch ya mti
 
Tanzanians dream is to buid thwir own house and kick out paing RENTS.

Kenyams always dream of LIVING in RENTED/MORTGAGED APARTMENTS.

A Tanzanian is ready to build a small house like this to LIVE FREE rather than kuweka MAKENDE in a STUDIO APARTMENT paying rents.


View attachment 3548047
But majority don't build houses like the one you have posted due to lack of funds. Majority in urban areas live in unfinished houses.
 
You are trying so hard to justify the informality in your economy. 😂 😂 😂 Hakuna kitu kama you created your own culture, the modern world moves in a common sequence which everyone adapts to, that's why we have civilizations. Nyinyi bado mko nyuma wacha excuses za kipumbavu.
Nilichokuambia ndio ukweli take that to the bank nyie ni watumwa wa kifikra
 
But majority don't build houses like the one you have posted due to lack of funds. Majority in urban areas live in unfinished houses.
Mortgage financing in Kenya is expanding but faces low penetration, with a mortgage-to-GDP ratio of roughly 1.7%–1.86% as of 2024–2025, driven by high interest rates (averaging ~14%–15%) and affordability constraints for most citizens. While outstanding loans grew to over KES 281 billion by end-2023, market access remains limited, with only about 30,000 active mortgage accounts, primarily dominated by commercial banks.
Kenya Mortgage Refinance Company
Kenya Mortgage Refinance Company +3
 
Whether they are unfinished houses or not.

But, they are not MABATI HOUSES and,

They DON'T PAY RENTS.
No one pays rent in bongoslum? 😂 😂 😂 They are unfinished, with no glass on the windows, leaking roofs, inaccessible to cars, poor sanitation yet you think it's rent that worries them the most. 😂 😂 😂
 
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