Kwa wahasibu wetu: Nyumba ni 'Asset' au 'Liability'?

R

RON PAUL

Member
Feb 26, 2012
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Naomba kuuliza hii kitu nimekuta watu wanabisha u turn blog kuhusu hili suala kiukweli kila upande umejaribu kujenga hoja nzito za utetezi lakini kwa kuwa mimi sio mchumi wala mhasibu nikaona niulete huku huu mjadala kwa kwa kuwa huku naamini kuna vichwa kwenye angle hii ya uhasibu na mambo ya uchumi kiujumla;

Yupo mmoja kwa mfano kakitambulisha kwa id kama miss clueless anasema:

"nyumba ni liability.. you
pay all the electricity, gas, and water bills (do you say ni extra income?)
repair sometime.. buy a bunch of stuffs for the "house" ...so ..nyumba
ya mkopo ni liability..and your very own house usiyolipia mortgage inaweza
kuitwa liability pia!"

Huyu anajitambulisha as Miss Financial Advisor yeye anasema:

"Mambo ya kucrem instead of learning ndo tonayoyaogopa. Nyumba is a personal asset
as it increase in value (note the diff, its s not a business asset to generate
income to ur company). Ur personal house is an investment like buying shares or
gold. N the best thing about having nyumba especially in TZ s that its value
increase every year, so when u decides to sell that house, u may even double the
money from ur original investment. Be empowered.

Akajibiwa na Anonymous hivi:

Miss Financial Advisor,
first...you shouldn't call yourself that because you
shame us in finance. A house never appreciates in value only the land and you
should know how to distinguish between a HOUSE and a PROPERTY. when you buy a
land, build and sell it you are a property developer on into property business.
However "when you decide to sell" a house which you've lived in it never
appreciates due to depreciation and emerging new technology, therefore the
appliances and fixtures such as your air condition systems etc would be extinct.
i mean who would pay more for a house with AC yenye chogo linaloning'inia kwa
nje??lol or a house with no tiles or old fashioned window frames etc

Kiufupi mjadala ulikua mkali maamuma wa mabo hayo tumechanganyikiwa hatujui tumsikilize nani,tunaomba wataalam msaidie hapa NYUMA NI ASSET ama ni LIABILITY??????
 
Miss Financial Advisor,
first...you shouldn't call yourself that because you
shame us in finance. A house never appreciates in value only the land....

When valuing a house there are two components (1) Land (2) Cost of replacement materials.

A house built in 2005 will consume more costs of building materials and labour than did in 2005 thus cost of house built in 2005 can not have the same value today due to changes in prices of materials used and labour costs.

In conclusion, a house is an asset since you can exchange it in money terms.
 
Nyumba ni asset co liability. Hayo maneno mengine porojo tu.
 
Wakuu maongezi ya hao wadada ni wazimu mtupu. Nyumba is an asset for the notion kwamba it can be convert into cash either through gain or loss. From accounting stand point it's treated as an asset. However, kama nyumba is acquired through mortgage or loan, hapa kunakuwa na other portion ambayo lazima uionyeshe kwamba you have an asset on one side and a Liability on the other side.

Technical, ukitumia mortgage as your financing process then you're owning a Note and the bank is owning the house until you paid off 100%.
 
Mtanganyika mimi nipo kwenye avatar yako mbona kama hii sehemu nishapita hapo?samahani kwa kuwa nje ya topic
 
Uliza walio underwater kutokana na subprime lending.

The devil is in the details.

Nyumba ikiwa ina appreciate ni asset. Ikiwa ina depreciate ni liability. Cost-benefit analysis in tow.Simple as that, but not simpler.

Na hakuna golden rule kusema nyumba siku zote ita appreciate au depreciate.
 
Rogi said:
Nyumba ni asset co liability. Hayo maneno mengine porojo tu.
Click to expand...


inabidi utembee kidogo outside of TZ ili upanue uelevu wako.
Nyumba sometimes do depreciate its value ie current situation in EU and USA. Basi
atleast soma wats going on around the world my dear, to keep knowledge yako up
to date
 
Labda Mngeulizana kwanza definition Za hayo maneno mawili! mkimaliza kulumbana huko lazima mtakuwa mmepata jibu kwamba nyumba ni Asset/ fixed Asset ama liability. Mimi ningefurahi tu kusikia kwamba kati yetu wote tulioingia kwenye uzi huu hakuna anayetuwakilisha kiuchumi katika taifa letu hili. maana itakuwa inaonyesha kwanini shilingi yetu pendwa inazidi kutoka kwa coins. karibuni buku tano ya coin itatoka
 
Most often times a house will be an asset more than it will be a liability.

If you took out a mortgage loan to purchase your house and had a fixed rate for your interest rate you'd be better off a couple years down the road than if you take an adjustable rate (ARM).

Many people who found themselves in a mortgage crisis these past couple years most of them took out mortgage loans that they really couldn't afford.

Most of them had adjustable rate mortgages which change every number of years (between 2 - 5) and you never know what that rate will change to. It could go up thus increasing your monthly note or it could go down. My experience is it always goes up and when that happens the homeowner is bound to experience some budget crunch.

So that is one of the main reasons as to why a whole bunch of people were foreclosing on their homes after just a few years.

And for that I mainly blame the lenders for their predatory lending tactics but the borrowers share some of the blame too. People should always do their homework and be aware of what they are getting themselves into before they close on any home purchase.

It's always better to take out a fixed interest rate for the whole life of the loan so you know exactly the amount you will be paying each month throughout its existence.

That way if you are financially disciplined you can slowly pay off your mortgage while slowly building up the equity in your house. In this case, a house is an asset and not a liability.
 
Kiranga said:
Uliza walio underwater kutokana na subprime lending.

The devil is in the details.

Nyumba ikiwa ina appreciate ni asset. Ikiwa ina depreciate ni liability. Cost-benefit analysis in tow.Simple as that, but not simpler.

Na hakuna golden rule kusema nyumba siku zote ita appreciate au depreciate.
Click to expand...
Nailed it!!!
 
A house by all standards qualifies to be categorised as an asset, provided that no mortgage lien is attached. I will use IAS 16 as basis of my argument. For an item to qualify as an asset, it must fulfill two conditions:

i) Must derive future economic benefits from the item and flows to an entity. An entity in this case is an individual person (Land must be registered with a legal title deed)or corporate.

ii) Its cost can be measured reliably.
i.e cost of land, iron sheets, concrete blocks, etc

However, if an individual decides to use the house to receive income in form of rentals or price appreciation, it is termed as an investment.
 
Uhasibu ni mizania unapokopa una create asset au nyumba na liability au deni. Unapotoa pesa una create matumizi kama electricity au unapunguza deni au unanunua asset nyingine.hivyo nyumba ni asset.hivyo basi from double entry point mambo huja mawili mawili ie to every debit there is coresponding credit and vice versa. Hivyo ukikopa ukajenga you have to plan kuw kutakuwa marejesho.
 
Kiuhasibu kwanza kabisa tafuta maana ya Asset na Liability ( as defined in accounting terms). baada ya hapo tizama hiyo nyumba yako umeipataje na nia ya kuwepo kwake ni nini? kuiuza baadae au kuiweka kwa ajili ya kukupatia manufaa? Je ina thamani yeyote hii leo? ukishayajua hayo basi utakuwa umeshapata jibu. Nikikutafunia hapa utakuwa huwezi pata jibu hata kwa siku za baadae au katika scenario tofauti lakini ukukishatafuta hivyo nilivyovitaja utakuwa na jibu la kila siku.
 
Wote mliotoa mawazo yenu, sioni Mhasibu hata mmoja. Wote nawaona kama si wachumi basi ni makarani wa wahasibu.

Nyumba yako ni MALI (ASSET), regardless umeipataje maadamu ni kwa njia halali.

1. Ukikopa pesa za kununulia nyumba, Liability ni lile deni unalodaiwa sio nyumba yako.
2. Ukikopa pesa na kuweka hati ya nyumba yako rehani, bado nyumba yako ni ASSET. Liability itakuwa ni hilo deni unalodaiwa.

Wahasibu watambue kuwa wakati wowote, ASSET IS EQUAL TO LIABILITY.

Thamani ya nyumba yako as ASSET is equal to Liability(vyanzo vya pesa ya kununulia hiyo nyumba)

Issue ya depreciation au appreciation have nothing to do with a house being an asset or not.
 
mteteawanyonge said:
Wote mliotoa mawazo yenu, sioni Mhasibu hata mmoja. Wote nawaona kama si wachumi basi ni makarani wa wahasibu.

Nyumba yako ni MALI (ASSET), regardless umeipataje maadamu ni kwa njia halali.

1. Ukikopa pesa za kununulia nyumba, Liability ni lile deni unalodaiwa sio nyumba yako.
2. Ukikopa pesa na kuweka hati ya nyumba yako rehani, bado nyumba yako ni ASSET. Liability itakuwa ni hilo deni unalodaiwa.

Wahasibu watambue kuwa wakati wowote, ASSET IS EQUAL TO LIABILITY.

Thamani ya nyumba yako as ASSET is equal to Liability(vyanzo vya pesa ya kununulia hiyo nyumba)

Issue ya depreciation au appreciation have nothing to do with a house being an asset or not.
Click to expand...

umenena vyema sana mhasibu.
 
Mtanganyika said:
Wakuu maongezi ya hao wadada ni wazimu mtupu. Nyumba is an asset for the notion kwamba it can be convert into cash either through gain or loss. From accounting stand point it's treated as an asset. However, kama nyumba is acquired through mortgage or loan, hapa kunakuwa na other portion ambayo lazima uionyeshe kwamba you have an asset on one side and a Liability on the other side.

Technical, ukitumia mortgage as your financing process then you're owning a Note and the bank is owning the house until you paid off 100%.
Click to expand...

Tumia language za kihasibu basi
 
mteteawanyonge said:
Wote mliotoa mawazo yenu, sioni Mhasibu hata mmoja. Wote nawaona kama si wachumi basi ni makarani wa wahasibu.

Nyumba yako ni MALI (ASSET), regardless umeipataje maadamu ni kwa njia halali.

1. Ukikopa pesa za kununulia nyumba, Liability ni lile deni unalodaiwa sio nyumba yako.
2. Ukikopa pesa na kuweka hati ya nyumba yako rehani, bado nyumba yako ni ASSET. Liability itakuwa ni hilo deni unalodaiwa.

Wahasibu watambue kuwa wakati wowote, ASSET IS EQUAL TO LIABILITY.

Thamani ya nyumba yako as ASSET is equal to Liability(vyanzo vya pesa ya kununulia hiyo nyumba)

Issue ya depreciation au appreciation have nothing to do with a house being an asset or not.
Click to expand...

A bit convinced

Leo mmepata kipimo kizuri hapa jamvini

Tunapokujaga na cheques humo idarani mwenu huwa ni taabu as if mnatoa mifukoni mwenu......kumbe hili tu ni kasheshe ya mjadala

Vijana wa UTOH mpoooooooooooo........................!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
 
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