Nani anasema nyumba za shirika la nyumba ni za watu wa kima cha chini?

[Erick_Otieno]

nakumbuka system hii hii ya nhc ndo ilipelekea kutokea kwa financial crisis in US

Mkuu ni system ipi hiyo utujuze?

 

[SUPERUSER]

Mkuu ni system ipi hiyo utujuze?

Tafuta documentary inaitwa INSIDE JOB 2010..inshort watu walikua wanatamani kumiliki nyumba ila hawezi ku afford because it's expensive(kama ilivo saivi uku tz)...mabenki yakaanza kutoa mikopo ya nyumba (house mortgages) yenye low interest rates..kila mtu alikimbilia because ni rahisi compared to mikopo ya kawaida..what happened kila mtu akaona ni dili...so investors and lenders wakainvest a lot of money in the business wakiamini NYUMBA ZITAZIDI KUPANDA THAMANI KILA SIKU...hata wamiliki wa nyumba wakaanza kuuza mikopo yao kisha kuchukua mingine kwasababu bei inazidi kupanda everyday...bei za nyumba zilipoanza kushuka ndo ikawa kasheshe unakuta mtu anamikopo mitatu ambayo hata hawezi kuilipa tena at the same time gharama za mkopo zinazidi kupanda..investors na mabenki yakaanza kufilisika because watu wameshindwa kurudisha mikopo na bei z nyumba zimeshuka...hata wakiamua kuforeclose bado awawezi rudisha pesa walioinvest..so that's what happend..tafuta iyo documentary utaelewa zaidi

 

[Erick_Otieno]

Tafuta documentary inaitwa INSIDE JOB 2010..inshort watu walikua wanatamani kumiliki nyumba ila hawezi ku afford because it's expensive(kama ilivo saivi uku tz)...mabenki yakaanza kutoa mikopo ya nyumba (house mortgages) yenye low interest rates..kila mtu alikimbilia because ni rahisi compared to mikopo ya kawaida..what happened kila mtu akaona ni dili...so investors and lenders wakainvest a lot of money in the business wakiamini NYUMBA ZITAZIDI KUPANDA THAMANI KILA SIKU...hata wamiliki wa nyumba wakaanza kuuza mikopo yao kisha kuchukua mingine kwasababu bei inazidi kupanda everyday...bei za nyumba zilipoanza kushuka ndo ikawa kasheshe unakuta mtu anamikopo mitatu ambayo hata hawezi kuilipa tena at the same time gharama za mkopo zinazidi kupanda..investors na mabenki yakaanza kufilisika because watu wameshindwa kurudisha mikopo na bei z nyumba zimeshuka...hata wakiamua kuforeclose bado awawezi rudisha pesa walioinvest..so that's what happend..tafuta iyo documentary utaelewa zaidi

Thank nimeipitia INSIDE JOB 2010 kwenye wikipedia. Inaonyesha mapungufu ya real estate na mortgage industry, ingawaje ni muhimu kuangalia upande wa pili wa mafanikio ya hii industry.

 

[Mkeshahoi]

Apartments za Ubungo nimeona kwene magazeti ya leo wanaziuza ila cha ajabu hawasemi ni kwa sh.ngapi.

Niliwasiliana na mmoja wa afisa masoko wa NHC kujua zaidi bei az apartment za Ubungo... kwa maelezo yake..
Bei: 67 Mil Tz Shillings
Muundo wa nyumba: Vyumba 2 kulala.. Sebule na sehemu ya chakula..choo cha umma.. sehemu ya maegesho ya gari na sehemu ya udobi..ktakuwepo na shopping complex hapo..
Malipo ya awali: 10%
Dhamana: Barua ya NHC kukutambulisha kama mkopaji pale benki ili ukopeshe Mil 67 uwalipe NHC ..
Mradi ukishakamilika: hati ya umiliki inakbidhiwa kwa benki uliyokopa ili na wewe unailipa benki huo Mkopo+RIBA:crutch:.....!!!

BINAFSI... Sijaona thamani ya mkopo kwa bei ya Mil 67(riba sijalipa) kwa nyumba ya kabila hiyo... labda kama sijapewa maelezo sahihi...!!!
Naombeni ufahamu..

 

[Abdulhalim]

Mkeshahoi, niliona hiyo bei kwa mtandao, apartments zenyewe zipo 80 nadhani tayari kama 60 watakuwa washagawana 'wenyewe' hivo hata nngekuwa na ela au moyo wa punda wa kukopa nsingepoteza muda wangu kugombea hizo 20 zilizobaki.

 

[anti-fisadi]

Ukisoma kwenye magazeti au ukisikiliza kwenye habari utaona ukiambiwa nyumba watakazo kuja kujenga nhc ni za watu wa kima cha chini, je hapo ni kweli?

mfano nyumba za ubungo nadhani ndio za kima za chini kuliko zote, ukiachia miradi ya Ngano na mengineyo. Kwaio hapa nitajaribu kuelezea hizo za ubungo kama kima cha chini tuone kama hio mantiki inapatikana.

hebu tuone:
1. kwenye masharti yao, mtu aweke milioni 8 taslimu kwenye akaunti zao na hela ya fomu. Ni watanzania wa kipato kipi anaweza kuwa na fedha taslimu milioni 8 (bila mkopo)kwenye akaunti zao kwa muda mfupi?
2. nyumba zinauzwa milioni 82 (ikiwa na VAT) kama mtu akitoa fedha taslimu. Je ni watanzania wangapi wenye hichi kipato?
3. kwa wale wanaonunua kwa mikopo ya bank riba ni 15% kwa 15 years, hapo ina maana wanakata sio chini ya laki 9 (900000) kwa mwezi kwenye mshahara, kwa ujumla wake unakuwa umelipa sio chini ya milioni 180. Je wananchi wa kipato cha kati wanalipwa shilingi ngapi mpaka waweze kulipa hio laki 9 kila mwezi??

mawazo yangu:

-huu mradi pengine umelenga watu wa kipato cha juu,mafisadi au wageni,na sio watanzania walio wengi ili wanunue na kuja kutukodisha sisi walala hoi.
-huu mradi unataka unufaishe wachache kwa maslahi fulani fulani ndani ya mabenki na shirika na sio kwa maslahi ya wananchi wengi wa tanzania.
-kwanini zisitafutwe benki zisizo za kibiashara ziweze kutoa mikopo yenye riba ndogo??
-ukiangalia vyumba vilivo vidogo (room 2 za kulala),inakuwa ngumu kujua ni jinsi gani hizo nyumba zikugharimu hela zote hizo ndani ya maisha yako yote ya kazi. Inakuwa ni mateso.

 

[Ndallo]

Naunga mkono hoja! Mtanzania wa leo anaishi chini ya dola moja kwa siku halafu tunaambiwa mtu wa kipato cha chini ataweza kumudu kununua hizo nyumba hii bado kwangu haiingii akilini!

 

[Chapa Nalo Jr]

Mil.82!?, ni heri nitumie hizo hela kujijengea nyumba yangu mimi mwenyewe na nitabaki na hela kibao tu

 

[Bulesi]

National Housing Corporation haipo kwa kunufaisha watu wa kipato cha chini bali watu wenye uwezo kifedha kwani wao wapo zaidi kibiashara kuliko kutoa huduma[ charitable organization]. Inashangaza kuona kuwa bado nyumba wanazojenga hazizingatii mambo yanayosumbua hapa nchini ; mfano ni jinsi ambavyo nyumba hizi sio energy efficient tukizingatia jinsi nishati ya umeme inavyosumbua hapa nchini!! Bado wanajenga mabox badala ya kujenga nyumba zitakazoingiza hewa nyingi hivyo kuondoa umuhimu wa kutukia air-conditioning hence reduction in the use of electricity!!!

 

[anti-fisadi]

National Housing Corporation haipo kwa kunufaisha watu wa kipato cha chini bali watu wenye uwezo kifedha kwani wao wapo zaidi kibiashara kuliko kutoa huduma[ charitable organization]. Inashangaza kuona kuwa bado nyumba wanazojenga hazizingatii mambo yanayosumbua hapa nchini ; mfano ni jinsi ambavyo nyumba hizi sio energy efficient tukizingatia jinsi nishati ya umeme inavyosumbua hapa nchini!! Bado wanajenga mabox badala ya kujenga nyumba zitakazoingiza hewa nyingi hivyo kuondoa umuhimu wa kutukia air-conditioning hence reduction in the use of electricity!!!

tena hizo za ubungo eti wanazipenyeza katikati ya block mbili zilizopo sasa? yani hewa ndio inafichwa kabisa! sielewi uhandisi upi huu wa kutozingatia masharti ya kutumia 35% ya eneo na kuacha lililobaki wazi.

 

[Ndallo]

Experince ya National Housing niliipata wakati naanza maisha nikawa natafuta nyumba ya kupanga kwenye shirika hilo, nilipokwenda kwenye ofisi zao wakaniambia kwasasa hatuna nyumba lakini kama utaona kuna mtu anahama kwenye nyumba zetu njoo mara moja tuambie halafu tutakupatia! mpaka leo ni mwaka wa 10 sijapata kuona mtu amehama kwenye nyumba hizo na bado naishi kwenye nyumba za Tembe kama ID yangu inavyonekana hapo kushoto.

 

[Mfamaji]

Huyo Mchechu alisifiwa lakni naona hapa lazima ataukwa mkenge tu. Habari ya nyumba sio mchezo. Hata hayo mabenki aliyosema ameingia nao mikataba watu wakakope humo ni bure tu .Nani akope mil l82 arudishe 180 ? Hizi ni ndoto za alinacha. Lazima kuangalia soko kwanza. Soko kuu ni la vijana ambao wako wengi na hawana kitu. Ngoja tuone .

 

[anti-fisadi]

Experince ya National Housing niliipata wakati naanza maisha nikawa natafuta nyumba ya kupanga kwenye shirika hilo, nilipokwenda kwenye ofisi zao wakaniambia kwasasa hatuna nyumba lakini kama utaona kuna mtu anahama kwenye nyumba zetu njoo mara moja tuambie halafu tutakupatia! mpaka leo ni mwaka wa 10 sijapata kuona mtu amehama kwenye nyumba hizo na bado naishi kwenye nyumba za Tembe kama ID yangu inavyonekana hapo kushoto.

Pole ndugu, hizo nyumba za kupanga nhc zinapatikana kwa namna 4 tu kuu: uwe mtoto wa kigogo, umnunue mswahili aliyeko (30M),uvamie kama nyumba uikute wazi (uwe kauzu mfano wa dagaa) au uhonge. Vinginevyo ni ngumu na utasubiri milele na fomu zako. Inasikitisha sana

 

[FJM]

Hata matangazo yenyewe yako kwa lugha ya KIINGEREZA. Nyumba za wakubwa hizi!

 

[LebronWade]

NHC mapumbavu tu....sijui hiyo business plan nani aliwaandikia....nani anunue ujinga huo?Niache kujenga nyumba yangu ya 30mil ikiwa full hadi garden napata.....majinga kweli haya,sometimes nashindwa kuyaelewa.....hata hao matajiri hawatanunua,wazipeleke wapi?labda uniambie kuna mchongo wa kuwapiga NHC hao baada ya kulipa 8mil then kuna jinsi ya kuwachomoka na apartment ukala na kikazi unachofanya ukapiga chini,makato hamna.....kama kuna uwezekano wa kuwapiga ndio nitakua interested,otherwise tupa kule upuuzi huo!

 

[Timtim]

Isitoshe nyumba hiyo ya 82m ina vyumba 2 tu vya kulala. Hii ni njama ya kuwaibia wananchi pesa.

 

[thedon]

http://www.nhctz.com/images/NHC_STRATEGIC_Plan_Exec_Summary.pdf

Tusiwe wakali jamani! Read the above linked report and you will notice that it is clearly stated that in order for them to progress forward the upper and middle income class is the market that will allow them to do so.

"It might sound prudent to construct more houses to the low income group thanto the high and medium income groups. However, in a situation where NHC is
expected to operate commercially while utilizing funds from financial institutions
and banks, it is also expected to repay the loans in time. Houses constructed for
the low income group will not be able to sustain the needed funding arrangement.
Therefore, NHC intends to construct more houses for the high and middle income
groups so as to be to make profit and possibly subsidize the construction of a
minimum of 5000 houses for the low income group."

Do they still have a social responsibility towards the lower income class? absolutely! But it also makes sense that they are striving for sustainability first. As far as how well the new boss has done so far, let me tell you this my grandma lives in a NHC house and rent has gone up and they are way more diligent in collecting it and the house is actually looked after i.e. repairs and such. I know it might be a bit of a silly example but it still highlights improvement. BTW before you get on my case, my grandma had to wait until a someone died before she got the house.

As far as their mortgages are concerned, that's how mortgages work anywhere is the world. You end up paying at least double of what you initially borrowed, that's why banks are evil. The lack of a good credit system in TZ does not help either because in Western countries you are looking at interest rates below 5%, in TZ I'm not sure what the figure is but I know it's in the upper tens.

 

[Mwakalinga Bujo]

nyumba ya 82 vyumba viwili! huu ni wizi wa mchana ,Inamaana watanzania hawajui gharama za ujenzi ama!?

 

[Mtandu]

NHC mapumbavu tu....sijui hiyo business plan nani aliwaandikia....nani anunue ujinga huo?Niache kujenga nyumba yangu ya 30mil ikiwa full hadi garden napata.....majinga kweli haya,sometimes nashindwa kuyaelewa.....hata hao matajiri hawatanunua,wazipeleke wapi?labda uniambie kuna mchongo wa kuwapiga NHC hao baada ya kulipa 8mil then kuna jinsi ya kuwachomoka na apartment ukala na kikazi unachofanya ukapiga chini,makato hamna.....kama kuna uwezekano wa kuwapiga ndio nitakua interested,otherwise tupa kule upuuzi huo!

Kuna siku nilimwaona kwenye TV huyo jamaa wa NHC na wenzake eti wanasema watanzania tuamke, eti huo mpango wao sasa ndio 'the big idea', suluhisho la ukosefu wa nyumba kwa watanzania! Kwa hiyo sote tulichangamkie. Wapi bwana! wapi? Uhuni tu! tena uongo usio na aibu kabisa.

 

[Kindimbajuu]

Kuna siku nilimwaona kwenye TV huyo jamaa wa NHC na wenzake eti wanasema watanzania tuamke, eti huo mpango wao sasa ndio 'the big idea', suluhisho la ukosefu wa nyumba kwa watanzania! Kwa hiyo sote tulichangamkie. Wapi bwana! wapi? Uhuni tu! tena uongo usio na aibu kabisa.

hiyo ndo marketing ya mashika ya umma tan zania. hili shirika litakufa tena.wao lengo lilikuwa ni watu wa kipato cha juu na kati, lakini wanatangaza kama vile wanalenga watanzania wote. wangeweza kutengeneza matangazo yao kulingana na walengwa, hawafanyi hivui kwa sababu hawana cha kupoteza, siku wakiishiwa watapewa ruzuku tu.