Msaada: Hatari kulipishwa zaidi kwenye mkopo CRDB

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Zeddicus Zu'l Zorander

Zeddicus Zu'l Zorander

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Zeddicus Zu'l Zorander

Zeddicus Zu'l Zorander

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Mke wangu alichukua mkopo CRDB bank mwaka 2014 mwezi 11,ambao anatakiwa kukatwa mpaka mwezi wa 11 2019.

Kuna siku niliskia analalamika kwamba kuna wakati bank wanakata hela lakin salary slip haionyeshi,nikanusa hali ya hatari, tukapiga toka aanze kukatwa mpaka leo tukapata jumla.

Baada ya hapo nikamwambia aende benki aulize bado anadaiwa kiasi gani, juzi kaenda benki lakini loan officer kampa majibu ya kumchanganya zaidi, na alikuwa kama ana wasiwasi,anamuuliza kwani ulirenew mkopo lini?
Wakat hajawahi kurenew.Mara anamwambwia siku hizi hazina wanakata hela ukouko alafu ndio wanatuma benki.

Mwisho akaprinti fomu imeandikwa loan enquiry...
Naomba ufafanunuzi wa sentensi hizi
1.Principal amount
2.Total facility(kuna kiasi mbele yake)
3.first drawdown date
4.Final maturity date
Pia naomba ushauri atau gani tuchukue sababu loan officer anaonesha kama kuna kitu anaficha.
 
Mungu Mweusi

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Mungu Mweusi

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Sema alikopa sh.ngapi na weka copy siyo maneno Tu hatukuelewi
 
Watu

Watu

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Watu

Watu

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Mke wangu alichukua mkopo crdb bank mwaka 2014 mwezi 11,ambao anatakiwa kukatwa mpaka mwezi wa 11 2019.

Kuna siku niliskia analalamika kwamba kuna wakati bank wanakata hela lakin salary slip haionyeshi,nikanusa hali ya hatari, tukapiga toka aanze kukatwa mpaka leo tukapata jumla.

Baada ya hapo nikamwambia aende benki aulize bado anadaiwa kiasi gani, juzi kaenda benki lakini loan officer kampa majibu ya kumchanganya zaidi, na alikuwa kama ana wasiwasi,anamuuliza kwani ulirenew mkopo lini?
Wakat hajawahi kurenew.Mara anamwambwia siku hizi hazina wanakata hela ukouko alafu ndio wanatuma benki.

Mwisho akaprinti fomu imeandikwa loan enquiry...
Naomba ufafanunuzi wa sentensi hizi
1.Principal amount
2.Total facility(kuna kiasi mbele yake)
3.first drawdown date
4.Final maturity date
Pia naomba ushauri atau gani tuchukue sababu loan officer anaonesha kama kuna kitu anaficha.
Kukopa harusi, kulipa matanga, "mwambie dawa ya deni ni kulipa tu"
Loan officer hakukopeshi unakopeshwa na bank "CRDB plc"
Huyo officer awepo asiwepo mtadaiwa deni hadi mlipe lote.
 
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mangatara

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We mtu wa ajab sana. Unauliza swali huku una woga mkubwa. Kama mkeo amekunyima usiandike humu, basi labda analifahamu hilo ambalo loan officer analolificha na hapa ni kwa masilahi yao wawili kukutoa wewe.
Weka taarifa kamili hapa bila kutaja watu wala akaunti namba za watu, wala tawi alilokopea. Kwani huyo mkeo alichukua fedha za kigeni hata useme hakuna mtu aliyewahi kukopa fedha za aina hiyo? Mwaga taarifa ili wenzio pia wafaidike na utaalam wa JF.
 
nra2303

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nra2303

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Omba kuonana na credit manager utapata ufafanuzi!ila haya mabank ni wezi sana utakuta unafanya muamala kwa simu,wanaureverse alafu alafu haureflect kwy statements!!apo utazungushwaaa Weee mpk ujute kwa nini unaweka hela bank...
 
Zeddicus Zu'l Zorander

Zeddicus Zu'l Zorander

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Zeddicus Zu'l Zorander

Zeddicus Zu'l Zorander

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Kukopa harusi, kulipa matanga, "mwambie dawa ya deni ni kulipa tu"

Loan officer hakukopeshi unakopeshwa na bank "crdb plc"

Huyo officer awepo asiwepo mtadaiwa deni hadi mlipe lote.
Mkuu sijui kama umeelewa,deni linalipwa, kinachotokea ni kwamba fedha inakatwa lakin salary slip haionyeshi kama imekatwa, na ndio hapo shida inapoanzia.
 
Zeddicus Zu'l Zorander

Zeddicus Zu'l Zorander

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Zeddicus Zu'l Zorander

Zeddicus Zu'l Zorander

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Kwani huyo mkeo alichukua fedha za kigeni hata useme hakuna mtu aliyewahi kukopa fedha za aina hiyo?
Kwani we hii taarifa umeitoa wapi?
 
ivunya

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ivunya

ivunya

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principal Amount ni kianzio
final maturity date ni tarehe ya mwisho
first drawdown date ni tarehe ya kupunguza deni(akiba) ya kwanza
total facility ni Wenda alichukua pesa nyingi,au aliweka kiasi maalumu cha kukata au makubaliano ya mkopo.
Hizo form za mkopo halijaziwa au kajaza mwenyewe kwa ufahamu wake wende kuna misteki kafanya
 
Watu

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Watu

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Mkuu sijui kama umeelewa,deni linalipwa, kinachotokea ni kwamba fedha inakatwa lakin salary slip haionyeshi kama imekatwa, na ndio hapo shida inapoanzia.
Kwa kawaida, mwajiri anakuwa "garanter" -mdhamini wa mkopp. Na anacho wa gurantee bank ni kuwa salary ya mkopaji atatumbukiza kwa bank anakodaiwa, mwajiriwa.

Salary ikingia kwa account bank wanachukua chao .

Hakati mwajiri mshahara wa mdaiwa kwenda kulipa bank, hence ndio maana haionyeshi kwa salary slip
 
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shaurimbaya

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mikopo ya bank za bongo ni majanga.

bank zinafaidika mara mbili ya unavyofaidika mkopaji...

riba wanaongeza anytime
 
BADILI TABIA

BADILI TABIA

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BADILI TABIA

BADILI TABIA

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Kama benk wanakata na salary slip haionyeshi labda tatizo la muajiri huko upande wa hizo salary slip... dawa ni kucalculate jumla ya pesa mlizolipa ambazo hazikuonyeshwa. Kuwa na copy ya bank statement na kuwasiliana na muajiri na benki ili kufanya reconciliation ya hiko deni...
 
Zeddicus Zu'l Zorander

Zeddicus Zu'l Zorander

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Zeddicus Zu'l Zorander

Zeddicus Zu'l Zorander

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Kwa kawaida, mwajiri anakuwa "garanter" -mdhamini wa mkopp. Na anacho wa gurantee bank ni kuwa salary ya mkopaji atatumbukiza kwa bank anakodaiwa, mwajiriwa.

Salary ikingia kwa account bank wanachukua chao .

Hakati mwajiri mshahara wa mdaiwa kwenda kulipa bank, hence ndio maana haionyeshi kwa salary slip
Thanks, ila nadhani kuna shida mahali flani, maana kuna baadhi ya slip zinaonesha nyingingine hazioneshi.
 
Zeddicus Zu'l Zorander

Zeddicus Zu'l Zorander

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Zeddicus Zu'l Zorander

Zeddicus Zu'l Zorander

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mikopo ya bank za bongo ni majanga.

bank zinafaidika mara mbili ya unavyofaidika mkopaji...

riba wanaongeza anytime
Kweli kuna usanii sana, walimwambia riba ya chini( kati ya 20-30) hakumbuki, akakopa 15,000,000 atalipa 22,000,000.Kimsingi sio wakweli.
 
Zeddicus Zu'l Zorander

Zeddicus Zu'l Zorander

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Zeddicus Zu'l Zorander

Zeddicus Zu'l Zorander

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Kama benk wanakata na salary slip haionyeshi labda tatizo la muajiri huko upande wa hizo salary slip... dawa ni kucalculate jumla ya pesa mlizolipa ambazo hazikuonyeshwa. Kuwa na copy ya bank statement na kuwasiliana na muajiri na benki ili kufanya reconciliation ya hiko deni...
Thanks, itabidi akaombe bank statement,kama watakuwa wanatoa mpaka ya miaka 2 itakuwa vizuri.
 
Zeddicus Zu'l Zorander

Zeddicus Zu'l Zorander

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Zeddicus Zu'l Zorander

Zeddicus Zu'l Zorander

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Mbaya zaidi alianza kukatwa mwezi wa 11/2014 lakini first drawdown date wameandika tarehe 17/07/2015 hii baada ya kuomba taarifa ya mkopo.
 
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Percival

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Omba Loan statement - itaonyesha pesa ulizochukua na malipo ya kila mwezi wanayokukata - kasha utapiga hesabu zako kuona wapi kuna tatizo. Ina wezekana walikupa mkopo lakini hawakuanza kukukata kwa mda lakini faida yao wanachukua
 

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