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

Mi nadhani it depends! Mfano ukinunua coaster na kuifanya daladala itakuingizia kipato lakini ukiifanya ndo gari ya kutembelea haitakuwa asset tena! Sidhani kama kuna jibu la moja kwa moja whether nyumba ni asset au liability!
 
Mbekenga said:
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?
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Mimi sio mhasibu wala mchumi ila Nadhani na hapo kwenye gari itakua hivyo hivyo tu,nunua toyoa yako ifanye taxi wewe panda daladala kwa bei poa ukitumia hela ya hesabu ya wiki ya taxi yako!

Hii thead tarehe 29 mwezi huu feb itatimiza mwaka kamili muafaka hakuna!
 
Nyumba unayoishi sio asset maana inatoa pesa na haiingizi...nyumba hiyohiyo yawezakuwa asset kama ukiifanya apartment au ata guest house...otherwise sio asset...asset sifa mojawapo inatakiwa kuingiza kipato
 
Mimi nitaongea kwa ufupi sana.

Wachangiaji wote wameeleza vizuri kwa aidha mtazamo wa kitaalam au mtazamo wa kidunia (mtaani). Mimi ngoja ni-balance mambo.

Hii dhana ya Your House is not an Asset rather a Liability imetokana na Robert Kiyosaki. Kiyosaki hana maana ya kupingana na kanuni za kiuhasibu bali anataka kuwaelezea watu kwamba Nyumba yako inaweza isiwe yako kwa tafsiri pana.

Kwenye uhasibu kuna nadharia:

ASSET = LIABILITY+ EQUITY.

Hivyo, nyumba yako unaweza kuwa umeipata kwa juhudi zako mwenyewe (Equity) au kwa kukopa (Liability). Sasa, kwa wamarekani ambao miaka ya 2007/2008 walikopa sana kwa ajili ya nyumba na mikopo mingi ilikuwa inatolewa pasipo vigezo ndio ilipelekea mambo haya. Lakini bado hii haiondoi dhana kwamba nyumba ni ASSET. Yaliyotokea US kwenye Subprime mortgages unaweza hata ku-google na kujielimisha, habari ziko nyingi.

What is an Asset..naomba niwape professional definition...Is a resource controlled by an entity as a result of past event and from which future economic benefits are expected to flow to the entity.

Naomba muangalie sana maneno niliyo-bold. Sasa sitaki kuanza darasa la Uhasibu hapa lakini hiyo ndiyo standard definition.

Naomba watu watofautishe Asset na Net worth. Kama madeni yanazidi mtaji wako basi wewe unakuwa technically insolvent. Lakini niwakumbushe wana JF kwamba madeni sio jambo baya. Ngoja niwashangaze kidog:

Hivi mnajua taasisi zenye 'mapesa' ambazo sote tunazitamani ndio taasisi pekee kisheria zenye madeni zaidi ya mitaji yao? Naongelea mabenki. Ebu jielimishe wewe usiye mhasibu, wewe usiye mchumi jaribu kuangalia mahesabu yao Balance Sheet..taarifa ziko hata kwenye magazeti kila baada ya miezi mitatu!

Asset itabaki kuwa Asset bila kujali imepatikanaje? Ebu tufurahie magari yetu ya mikopo, achana na dhana 'kagari kenyewe ka mkopo', ili mradi tu una uwezo wa kulipa deni.
 
So imekubalika kwamba nyumba ni asset au ni liability? Wengine sisi ni wafugaji,hatujui kitu hapa,tunajifunzia humuhumu
 
Nyumba ni Asset,hizo cost hazina association na nyumba husika,thise are just living cost,hata kama usingekuwa na nyumba yako still ungelipa bill ya maji na umeme.Ofcourse unaweza kusema siyo asset coz haitengenezi faida,lakini ni moja kati ya utajiri wako ambao wakati wowote u can turn it into cash.Remember Liability can not be converted into cash hata mara moja,but any asset can be converted to cash at any time.

Pia ukisema asset yeyote inayosababisha gharama flani siyo asset ni liability basi hatutakuwa na Asset coz kila Asset ina kitu tunaita non cash expenditure that is so called depreciation,vilevile all asset zina maintainance cost pia.Note nimezungumzia zaidi Fixed Asset
 
wazirihusika said:
Nyumba ni Asset,hizo cost hazina association na nyumba husika,thise are just living cost,hata kama usingekuwa na nyumba yako still ungelipa bill ya maji na umeme.Ofcourse unaweza kusema siyo asset coz haitengenezi faida,lakini ni moja kati ya utajiri wako ambao wakati wowote u can turn it into cash.Remember Liability can not be converted into cash hata mara moja,but any asset can be converted to cash at any time.

Pia ukisema asset yeyote inayosababisha gharama flani siyo asset ni liability basi hatutakuwa na Asset coz kila Asset ina kitu tunaita non cash expenditure that is so called depreciation,vilevile all asset zina maintainance cost pia.Note nimezungumzia zaidi Fixed Asset
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Mkuu wewe ni mhasibu?Je unauelewa wa mambo ya biashara?Hapo nilipohighlight red unawapotosha watu,kuna vitu vinaweza kuwa asset or liability kutegemeana na vinatumika kwa matumizi gani.
 
RON PAUL said:
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??????
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Ron Paul, kwa mtaxamo UPI kwanza TZ au kule duniani. Kibongo Nyumba in asset ila Kule duniani sidhani, maana wengi wananunua tu na kupanga.
 
An asset is something that put/ add money in your pocket.
WHILE
Liability is something that takes money out of your pocket.
Hivyo basi nyumba inaweza kuwa asset au liability kuendana na matumizi yake.
 
Independent Voter said:
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
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Nachokiona hapa ni kwamba kwenye nchi hizi zetu zinazoendelea nyumba ni asset coz value yake inapanda coz demand ni kubwa due to high population growth unlike huko ambako ukuaji wa popn ni mdogo na uwezo wa mtu/kampuni kumiliki nyumba ni mkubwa kwa sababu ya kipato
 
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