Mi nafikiri thamani inayoongezeka ni kiwanja (ardhi) na si nyumbaUliza 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.
In Business oriented minds a house whether acquired through loan or own money is a liability in the sense that once acquired you need to set aside part of your earnings to pay for various bills (water, electricity, municipal rent, repair, etc.) which you didnot need them without owning a house. House turns into an asset only if it generates earnings than those required to service it as mentioned above. But, in accounting terms a house is an asset in whaterver form acquired!
Jiulize, kuna mkopo unaotolewa kwa kuweka dhamana ya LIABILITY? Jibu ni NO! Nyumba ni ASSET, ndio maana hutumika kama bank loan security yaani DHAMANA. Angalia ktk Banking&Financial Institution Act ya 2006.
sawa mkuu ila kama nyumba uliyonayo,inatumika kwa kuishi tu,haiingiz cash wala nini..JE HAPO PIA UTASEMA NI ASSET???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.
sawa mkuu ila kama nyumba uliyonayo,inatumika kwa kuishi tu,haiingiz cash wala nini..JE HAPO PIA UTASEMA NI ASSET???
dah nashkur sana mkuu,nw i understand Ndachuwa!!kuna cku nlipewa hili swal ckua na jibu..anyway usishangae mana cjua haya maswala..nkaona niulize..i undrstnd thnx bro!!!!!Ndugu yangu LORDVILLE kabla ya kuingia kwenye hako kanyumba kangu, nilikuwa nalipa kodi. Sasa na familia imekuwa kubwa labda ningehitaji kukodi nyumba isiyopungua TShs. 300,000/= hivyo kwa kumiliki hiyo asset yangu naokoa TShs.300,000 kwa mwezi. Hata vibanda vilivyoko kijijini mama yangu mzazi anajipatia hapo pesa ya sukari si sawa na kutokuwa na kitu kabisa
dah nashkur sana mkuu,nw i understand Ndachuwa!!kuna cku nlipewa hili swal ckua na jibu..anyway usishangae mana cjua haya maswala..nkaona niulize..i undrstnd thnx bro!!!!!
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.
nafikiri aliyeleta mada kasoma kitabu cha 'RICH DADY POOR DADY' Kadiri ya Kiyosaki ni kwamba ukijenga nyumba pangisha halafu we panga nyumba ya bei ndogo kuliko nyumba yako na salio linalobaki lihudumie umeme, maji, usafi n.k kwenye nyumba uliyopanga. Kama si hvyo basi itumie kufanyia biashara ila si kuishi.
Na gari ni asset au liability?
From the definition of the RICH you are 100% right, while for Poor, Middle class, & Kishule shule you are note. Hivyo lazima watu waongeze Financial vocabularies.Asset is anything that puts money into your pocket....liability is anything that takes money out of your pocket.
Kama nyumba yako umeipangisha na kuna watu wanakulipa kodi, then ni asset. kama unaishi mwenyewe na unalipa bili mbalimbali pamoja na property tax na haikuingizii chochote in terms of cash, then ni liability.
Asset is anything that puts money into your pocket....liability is anything that takes money out of your pocket.
Kama nyumba yako umeipangisha na kuna watu wanakulipa kodi, then ni asset. kama unaishi mwenyewe na unalipa bili mbalimbali pamoja na property tax na haikuingizii chochote in terms of cash, then ni liability.