Fursa ya Mikopo kwa watumishi kupitia ESS Portal

[displayname]

Wakati Serikali inapambana kuhamisha kwenye Mifumo zaidi na kupunguza "paper work" kuboresha ufanisia wa kazi. Mabenki yanapambania fursa za kuboresha maisha ya watumishi kwa njia ya mikopo. Hivyo zile enzi za mwalimu kusaga na lumba kutembelea mabenki kuuliiza uliza habari za mikopo na kujaza fomu za kuomba mikopo kisha kupelekwa kwa maafisa utumishi ili ipitishwe sijui kutoa nakala za barua za ajira au kuthibishwa kazini, vitambulisho, barua za utambulisho ndio upate mkopo sasa huo utaratibu umerahisishwa na mfumo wa ESS. Mtumishi anaweza ona na kujifanyia chaguzi ya taasisi gani ya fedha akope, hadi leo taasisi jumla nane zinajinadi kwa mfumo wa ESS.

Soma: KERO - Watumishi wa Umma wanaotumia Azania Bank wanapotaka ku ‘top up’ mikopo mfumo wa ESS unakataa, inadaiwa ‘mzigo’ umekata benki

Najiuliza hizo rate za riba ni za namna gani reducing ama? na huyo mwenye asilimia 36 ya riba ila hana bima ya mkopo anafidia vipi au kwa hiyo riba yake?

Karibuni mwenye kutujuza zaidi. Naona huyu mwenye riba ya asilimia 13 na ukomo wa mkopo miaka 10 ni market strategy au amajilipua kushindana na wakongwe waliozoeleka kwa muda mrefuuu, kutoa mikopo kwa watumishi wa umma?

EXIM BANK
Wafanyakazi Loan
Maximum Amount : 200,000,000
Minimum Amount: 200,000
Insurance : 0.5%
Max Tenure (Months): 120
Min Tenure (Months): 3
Interest Rate: 13%
=============================
DTB BANK
Rafiki Loan
Maximum Amount : 150,000,000
Minimum Amount: 1,000,000
Insurance : 0.55%
Max Tenure (Months): 108
Min Tenure (Months): 6
Interest Rate: 16%
============================
CRDB
Mkopo wa Mfanyakazi
Maximum Amount : 200,000,000
Minimum Amount: 100,000
Insurance : 0.75%
Max Tenure (Months): 108
Min Tenure (Months): 12
Interest Rate: 16%
===========================
AZANIA
CONSUMER LOAN
Maximum Amount : 150,000,000
Minimum Amount: 200,000
Insurance : 0.4%
Max Tenure (Months): 96
Min Tenure (Months): 3
Interest Rate: 14%
===========================
LETSHEGO BANK
Faidika Watumishi Loan
Maximum Amount : 70,000,000
Minimum Amount: 200,000
Insurance : 0%
Max Tenure (Months): 96
Min Tenure (Months): 6
Interest Rate: 36%
===========================
TCB
Consumer Loan
Maximum Amount : 300,000,000
Minimum Amount: 500,000
Insurance (Distributed): 1%
Max Tenure (Months): 108
Min Tenure (Months): 6
Interest Rate: 16%
===========================
NMB
MKOPO WA MFANYAKAZI
Maximum Amount : 200,000,000
Minimum Amount: 200,000
Insurance : 0.75%
Max Tenure (Months): 120
Min Tenure (Months): 2
Interest Rate: 17%
===========================
NBC
Mkopo Wa Mshahara
Maximum Amount : 200,000,000
Minimum Amount: 100,000
Insurance : 0.75%
Max Tenure (Months): 108
Min Tenure (Months): 12
Interest Rate 18%

 

[The Eric]

Hii huwa wanafaidi wa vyeo vya juu. Ipo iliyotoka tena ila wakahack system.

 

[Extra miles]

Sasa hivi ni mwendo wa mifumo. Humu tu

 

[Lucha]

Kwanini umewatolea mfano waalim kwenye kuhangaika na mkopo?

 

[displayname]

Kwanini umewatolea mfano waalim kwenye kuhangaika na mkopo?

Haa sijataa walimu hapo au ukisikia watumishi wa umma akilini mwako wanakuja Walimu? Au sababu ndio waengi wao zaidi ya kada nyingine!!😎

 

[displayname]

Sasa hivi ni mwendo wa mifumo. Humu tu

Haswaaa kila kitu ni nyuma ya screen yako tu!!

 

[displayname]

Hii huwa wanafaidi wa vyeo vya juu....
Ipo iliyotoka tena ila wakahack system.

Eeeh mshahara mkubwa unapata pakubwaaa..., waweza jipatia pensheni yako kabla ya kustaafuu!!

 

[ras jeff kapita]

Ngoja nizame letshego hapo nikachukue kitu cha 70 aka milioni sabini

 

[ras jeff kapita]

Eeeh mshahara mkubwa unapata pakubwaaa..., waweza jipatia pensheni yako kabla ya kustaafuu!!

Hiyo ni njia mbadala ya kuchukua mafao. Tena unachukua ukiwa na nguvu zako

 

[Lucha]

Haa sijataa walimu hapo au ukisikia watumishi wa umma akilini mwako wanakuja Walimu? Au sababu ndio waengi wao zaidi ya kada nyingine!!😎

Hapo uliposema
Enzi za mwalim

Ni sentesi tata kwa sisi wataalamu wa mofimu huru na kishazi kitegemezi ambacho kwa mbali utagundua kuna kitenzi kivumishi na kishazi huru

 

[The Lonnie]

Kopa uone riba zake utasimulia kizazi chako, uo ni mtego

 

[displayname]

Hapo uliposema
Enzi za mwalim

Ni sentesi tata kwa sisi wataalamu wa mofimu huru na kishazi kitegemezi ambacho kwa mbali utagundua kuna kitenzi kivumishi na kishazi huru

Haha umetisha mzeee wa lahaja ya kimvita hahaha!! Nilimaanisha enzi za ujimaaa

 

[Smart911]

Ahsante kwa taarifa...



Cc: Mahondaw

 

[Mahondaw]

Ahsante kwa taarifa...



Cc: Mahondaw

Yeah Watu wakakoope sasa!

 

[displayname]

Na waende letsh

Yeah Watu wakakoope sasa!

Letshego

 

[displayname]

Kopa uone riba zake utasimulia kizazi chako, uo ni mtego

Mtego mtegoniii sina hakika kama masharti ya mkataba yanapatokana kwa ESS

 

[displayname]

Na 36

Ngoja nizame letshego hapo nikachukue kitu cha 70 aka milioni sabini

36% bila bima!!

 

[Chinchiler]

Wakati Serikali inapambana kuhamisha kwenye Mifumo zaidi na kupunguza "paper work" kuboresha ufanisia wa kazi... mabenki yanapambania fursa za kuboresha maisha ya watumishi kwa njia ya mikopo. Hivyo zile enzi za mwalimu kusaga na lumba kutembelea mabenki kuuliiza uliza habari za mikopo na kujaza fomu za kuomba mikopo kisha kupelekwa kwa maafisa utumishi ili ipitishwe sijui kutoa nakala za barua za ajira au kuthibishwa kazini, vitambulisho, barua za utambulisho ndio upate mkopo sasa huo utaratibu umerahisishwa na mfumo wa ESS. Mtumishi anaweza ona na kujifanyia chaguzi ya taasisi gani ya fedha akope, hadi leo taasisi jumla nane zinajinadi kwa mfumo wa ESS...
Najiuliza hizo rate za riba ni za namna gani reducing ama? na huyo mwenye asilimia 36 ya riba ila hana bima ya mkopo anafidia vipi au kwa hiyo riba yake?
Karibuni mwenye kutujuza zaidi. Naona huyu mwenye riba ya asilimia 13 na ukomo wa mkopo miaka 10 ni market strategy au amajilipua kushindana na wakongwe waliozoeleka kwa muda mrefuuu, kutoa mikopo kwa watumishi wa umma??

EXIM BANK
Wafanyakazi Loan
Maximum Amount : 200,000,000
Minimum Amount: 200,000
Insurance : 0.5%
Max Tenure (Months): 120
Min Tenure (Months): 3
Interest Rate: 13%
=============================
DTB BANK
Rafiki Loan
Maximum Amount : 150,000,000
Minimum Amount: 1,000,000
Insurance : 0.55%
Max Tenure (Months): 108
Min Tenure (Months): 6
Interest Rate: 16%
============================
CRDB
Mkopo wa Mfanyakazi
Maximum Amount : 200,000,000
Minimum Amount: 100,000
Insurance : 0.75%
Max Tenure (Months): 108
Min Tenure (Months): 12
Interest Rate: 16%
===========================
AZANIA
CONSUMER LOAN
Maximum Amount : 150,000,000
Minimum Amount: 200,000
Insurance : 0.4%
Max Tenure (Months): 96
Min Tenure (Months): 3
Interest Rate: 14%
===========================
LETSHEGO BANK
Faidika Watumishi Loan
Maximum Amount : 70,000,000
Minimum Amount: 200,000
Insurance : 0%
Max Tenure (Months): 96
Min Tenure (Months): 6
Interest Rate: 36%
===========================
TCB
Consumer Loan
Maximum Amount : 300,000,000
Minimum Amount: 500,000
Insurance (Distributed): 1%
Max Tenure (Months): 108
Min Tenure (Months): 6
Interest Rate: 16%
===========================
NMB
MKOPO WA MFANYAKAZI
Maximum Amount : 200,000,000
Minimum Amount: 200,000
Insurance : 0.75%
Max Tenure (Months): 120
Min Tenure (Months): 2
Interest Rate: 17%
===========================
NBC
Mkopo Wa Mshahara
Maximum Amount : 200,000,000
Minimum Amount: 100,000
Insurance : 0.75%
Max Tenure (Months): 108
Min Tenure (Months): 12
Interest Rate 18%

View attachment 3085546

FAIDIKA WANATOA PESA CRDB NA NMB kisha wanaenda kuwakopesha wateja wasio na sifa stahiki chunguza

 

[displayname]

FAIDIKA WANATOA PESA CRDB NA NMB kisha wanaenda kuwakopesha wateja wasio na sifa stahiki chunguza

Akili kumkichwaa na wanamake profiti...

 

[hip hop uchwara]

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