Hebu tujuzane benki zinazotoa rates nzuri iwapo uta-fix hela kwenye account

bampami

JF-Expert Member
Nov 5, 2011
5,701
2,000
Kama mtu ukitaka kufix hela kwenye account kwa miezi 3 au sita ili upate riba/faida, ni bank ipi ina rate nzuri kwa miaka hii?

tf.
Naambiwa Lets shego bank na equity bank. Ila sijawahi kufungua account yeyote huko
 

Bambushka

JF-Expert Member
Jan 9, 2020
2,534
2,000
Kumbe huwa kuna negotiation pia? Bank gani hasa hutoa nafasi ya kunegotiate? Au zote?
Mkubwa mwenye 100m na mwenye 3m wanapokelewa tofauti!
Negotiations zipo wewe fanya window shopping nenda banks tofauti, zingine ukisema m100, wanakupa kahawa usubirie kuonana na branch manager. :D

Everyday is Saturday................................:cool:
 

mng'ato

JF-Expert Member
Oct 27, 2014
28,719
2,000
Nimeulizia bank inayotoa riba kubwa zaidi kuliko bank yoyote nchini. Na hiyo riba ni % ngapi?
Cha msingi ujue hizo riba hazipishani sana kati ya ma-bank na uwe na mpunga wa kutosha.

Mfano:

Bank ya DTB ukiwa na chini ya Tsh. 100mil interest kwa mwaka ni 5.75%,

Tsh.100mil-500mil interest ni 6%

Tsh.500mil-1000mil interest ni 6%

Fanya Hesabu rahisi tu:Umeweka mpunga wako kwny bank hio kwa hio miezi 3,umeweka labda Tsh. 10mil ,then:

10mil×3/12×5.75%=Tsh.143,750

Then toa 10% withholding tax ya serikali hapo:

143,750-(143,750×10%)=Tsh.129,375

Is it worth? Sijui

Najua sijajibu swali lako la msingi khs bank gani ina riba kubwa lkn on average sidhani kama itazidi 7% p/annum,Sina uhakika lkn.
 

mng'ato

JF-Expert Member
Oct 27, 2014
28,719
2,000
Mkubwa mwenye 100m na mwenye 3m wanapokelewa tofauti!
Negotiations zipo wewe fanya window shopping nenda banks tofauti, zingine ukisema m100, wanakupa kahawa usubirie kuonana na branch manager. :D

Everyday is Saturday................................:cool:
Ila asijichanganye akaenda hivi vi-bank vidogo vidogo,vyenyewe vina offer interest kubwa sababu vina shida ya liquidity,so kwa sasa hata future zao hazieleweki usije shangaa mpunga wako unakaribia ku-mature then unaambiwa bank iko chini ya uangalizi wa BOT.Hapo ndipo imeisha hio.

Hizi bank kubwa zenyewe hazina shida ya liquidity sana na ndio maana zinatoa interest ndogo lkn hela yako ya uhakika.
 

Johnny Sack

JF-Expert Member
Jan 21, 2017
2,805
2,000
Cha msingi ujue hizo riba hazipishani sana kati ya ma-bank na uwe na mpunga wa kutosha.

Mfano:

Bank ya DTB ukiwa na chini ya Tsh. 100mil interest kwa mwaka ni 5.75%,

Tsh.100mil-500mil interest ni 6%

Tsh.500mil-1000mil interest ni 6%


Fanya Hesabu rahisi tu:Umeweka mpunga wako kwny bank hio kwa hio miezi 3,umeweka labda Tsh. 10mil ,then:

10mil×3/12×5.75%=Tsh.143,750

Then toa 10% withholding tax ya serikali hapo:

143,750-(143,750×10%)=Tsh.129,375

Is it worth? Sijui

Najua sijajibu swali lako la msingi khs bank gani ina riba kubwa lkn on average sidhani kama itazidi 7% p/annum,Sina uhakika lkn.
Njia simple zaidi ni kuweka M pawa tu wana 5% kwa amount yoyote. hadi milioni 5 kwa kila line ya simu, na wala haihitji kuwa fixed, unaweza ku withdraw muda wowote tu ukahamishia kwenye m pesa ya kawaida na kufanya manunuzi kama ya umeme, maji n.k
nishafanya hivyo na ni bora zaidi kuliko kuweka hela benki ambapo makato ni mengi
 

TensorFlow

JF-Expert Member
Feb 11, 2020
424
500
Mkubwa mwenye 100m na mwenye 3m wanapokelewa tofauti!
Negotiations zipo wewe fanya window shopping nenda banks tofauti, zingine ukisema m100, wanakupa kahawa usubirie kuonana na branch manager. :D

Everyday is Saturday................................:cool:
Mkuu kama vile vyumba vyao vya bulk transactions! Kwa hakika hakuna watu wanapenda hela kama bank. Mkuu ahsante kwa hii siri. Mimi muda wote najua hizo riba zao ni fixed.
 

TensorFlow

JF-Expert Member
Feb 11, 2020
424
500
Cha msingi ujue hizo riba hazipishani sana kati ya ma-bank na uwe na mpunga wa kutosha.

Mfano:

Bank ya DTB ukiwa na chini ya Tsh. 100mil interest kwa mwaka ni 5.75%,

Tsh.100mil-500mil interest ni 6%

Tsh.500mil-1000mil interest ni 6%

Fanya Hesabu rahisi tu:Umeweka mpunga wako kwny bank hio kwa hio miezi 3,umeweka labda Tsh. 10mil ,then:

10mil×3/12×5.75%=Tsh.143,750

Then toa 10% withholding tax ya serikali hapo:

143,750-(143,750×10%)=Tsh.129,375

Is it worth? Sijui

Najua sijajibu swali lako la msingi khs bank gani ina riba kubwa lkn on average sidhani kama itazidi 7% p/annum,Sina uhakika lkn.
Aisee ni utopolo mtupu, it is not worth!
 

TensorFlow

JF-Expert Member
Feb 11, 2020
424
500
Ila asijichanganye akaenda hivi vi-bank vidogo vidogo,vyenyewe vina offer interest kubwa sababu vina shida ya liquidity,so kwa sasa hata future zao hazieleweki usije shangaa mpunga wako unakaribia ku-mature then unaambiwa bank iko chini ya uangalizi wa BOT.Hapo ndipo imeisha hio.

Hizi bank kubwa zenyewe hazina shida ya liquidity sana na ndio maana zinatoa interest ndogo lkn hela yako ya uhakika.
Mkuu mambo kama ya MERIDIAN INTERNATIONAL BANK LIMITED na wenzake ni kukaa nayo mbali.
 

witnessj

JF-Expert Member
Mar 22, 2015
22,585
2,000
Cha msingi ujue hizo riba hazipishani sana kati ya ma-bank na uwe na mpunga wa kutosha.

Mfano:

Bank ya DTB ukiwa na chini ya Tsh. 100mil interest kwa mwaka ni 5.75%,

Tsh.100mil-500mil interest ni 6%

Tsh.500mil-1000mil interest ni 6%

Fanya Hesabu rahisi tu:Umeweka mpunga wako kwny bank hio kwa hio miezi 3,umeweka labda Tsh. 10mil ,then:

10mil×3/12×5.75%=Tsh.143,750

Then toa 10% withholding tax ya serikali hapo:

143,750-(143,750×10%)=Tsh.129,375

Is it worth? Sijui

Najua sijajibu swali lako la msingi khs bank gani ina riba kubwa lkn on average sidhani kama itazidi 7% p/annum,Sina uhakika lkn.
Naona unakokotoa chalii angu
 

TensorFlow

JF-Expert Member
Feb 11, 2020
424
500
Njia simple zaidi ni kuweka M pawa tu wana 5% kwa amount yoyote. hadi milioni 5 kwa kila line ya simu, na wala haihitji kuwa fixed, unaweza ku withdraw muda wowote tu ukahamishia kwenye m pesa ya kawaida na kufanya manunuzi kama ya umeme, maji n.k
nishafanya hivyo na ni bora zaidi kuliko kuweka hela benki ambapo makato ni mengi
Mkuu mbona kama unaongea mambo ya hatari, M Pawa? Ni nini na mmiliki ni nani?
 

Bambushka

JF-Expert Member
Jan 9, 2020
2,534
2,000
Cha msingi ujue hizo riba hazipishani sana kati ya ma-bank na uwe na mpunga wa kutosha.

Mfano:

Bank ya DTB ukiwa na chini ya Tsh. 100mil interest kwa mwaka ni 5.75%,

Tsh.100mil-500mil interest ni 6%

Tsh.500mil-1000mil interest ni 6%

Fanya Hesabu rahisi tu:Umeweka mpunga wako kwny bank hio kwa hio miezi 3,umeweka labda Tsh. 10mil ,then:

10mil×3/12×5.75%=Tsh.143,750

Then toa 10% withholding tax ya serikali hapo:

143,750-(143,750×10%)=Tsh.129,375

Is it worth? Sijui

Najua sijajibu swali lako la msingi khs bank gani ina riba kubwa lkn on average sidhani kama itazidi 7% p/annum,Sina uhakika lkn.
Bora kama huwezi fanyia biashara, ununue government bonds! TMRC NMB huwa wanauza bonds, zile kidogo hesabu inashawishi, ila banks ni kuzitajirisha! Wao unawapa hela wanakupa 7%, wao wanakopesha kwa compound interest ya 36%per annum,

Everyday is Saturday............................... :cool:
 

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