Nichukue mkopo ninunue hati fungani, then malipo ya hati fungani nitumie kurejesha mkopo?

[Bavaria]

Nimependa mpango wako wa investment, labda ningekushauri kidogo



Nunua Bond ya Miaka 25 kwenye Soko la awali (Primary Market), coupon yake ni 15.95% hebu tuangalie hapo chini mchanganuo wake WA MIAKA 8

Amount	Coupon per annum	year 1	year 2	year 3	year 4	year 5	Year 6	year 7	Year 8	TOTAL
100,000,000​	15.95%​	15,950,000.00	15,950,000.00	15,950,000.00	15,950,000.00	15,950,000.00	15,950,000.00	15,950,000.00	15,950,000.00	127,600,000.00

Kwa mahesabu ya haraka haraka ya reducing Balance ukichukua 100M kwa muda wa miaka 8 mpangilio wake utakuwa kama ifuatavyo

Amount	Loan interest Rate	no of months	monthly Payment
100,000,000.00	5.6%​	96.00	1,294,752.77

Key issue monthly repayment hyo ya 1.2M
Scenario: mkopo uliochukua hujaweka dhamana Bond lakini umechukua mkopo umenunua bond sababu ya Arbitrage,
sasa sababu umechukua mkopo makato yanaanza kila mwezi! lakini usiogope
kumbuka bond inalipa coupon semi annually maana yake unalipwa 2 times per year kila baada ya miezi 6
so kwa Bond ya 25 years unapata 15.95% kwa mkopo wa milioni 100 ni 15,950,000 M kwa mwaka. Hii inamaanisha kila baada ya miezi 6 utalipwa 7,975,000.00 tsh.

TUANGALIE MALIPO KWA NJIA YA JEDWALI

Monthly Payment	Amount	Source of Funds	Comments	TOTAL AMOUNT PAID BY SALARY
January	1,294,752.77	Paid by your salary
February	1,294,752.77	Paid by your salary
March	1,294,752.77	Paid by your salary
April	1,294,752.77	Paid by your salary
May	1,294,752.77	Paid by your salary
June	1,294,752.77	Paid by your salary	Receiving coupon from Bond	7,768,516.62
July	1,294,752.77	Paid by bond	7,975,000.00
August	1,294,752.77	Paid by bond	6,680,247.23
September	1,294,752.77	Paid by bond	5,385,494.46
October	1,294,752.77	Paid by bond	4,090,741.69
November	1,294,752.77	Paid by bond	2,795,988.92
December	1,294,752.77	Paid by bond	1,501,236.15
January	1,294,752.77	Paid by bond	7,975,000.00	Receiving coupon from Bond
February	1,294,752.77	Paid by bond	6,680,247.23
March	1,294,752.77	Paid by bond	5,385,494.46
April	1,294,752.77	Paid by bond	4,090,741.69
May	1,294,752.77	Paid by bond	2,795,988.92
June	1,294,752.77	Paid by bond	1,501,236.15
July	1,294,752.77	Paid by bond
August	1,294,752.77	Paid by bond
September	1,294,752.77	Paid by bond
October	1,294,752.77	Paid by bond
November	1,294,752.77	Paid by bond
December	1,294,752.77	Paid by bond

uKIWEZA KULIPA mIEZI 6 YA MWANZONI , BOND ITACOVER MAREJESHO YOTE YALIYOBAKI MPAKA MKOPO UNAISHA , NA PIA UTAPATA TSH 206,483.38 KILA BAADA YA MIEZI 6.

KUMBUKA BAADA YA MKOPO WAKO KUISHA HELA YOTE ITAKAYOINGIA NI YA KWAKO, AMBAPO KUNA HESABU ZAKE ZA KUCOMPOUND PIA TUTAONGELEA SIKU NYINGINE

NB: unapofanya biashara kw adalali lazima akucharge hela ya kukunulia bond, fee ndogo tu ambayosijainclude. Ceteris Paribus

Hayo majedwali yako hayajakaa vizuri.

Weka inform of pictures.

 

[Northern Lights]

Watu wanacheki na kulinganisha benki mbalimbali kuona wapi rate za fixed deposit ni kubwa zaidi kwa ajili ya kuwekeza.

Mimi nionavyo, iwapo mtu uko tayari kwa riba za around 11 - 12% per annum, na hii ni kwa uwekezaji wowote unaozidi Tsh 1m, mahaili pazuri kabisa pa kuweka fixed deposits ni UTT Liquid Fund.

Huku hakuna muda maalum wa kuwekeza (siku chache, miezi, miaka nk), riba hukokotolewa na kuingizwa kila siku (thamani ya kipande hupanda kila siku). Unaweza kudai mtaji wako wote au sehemu yake siku yoyote kwa kujaza fomu tu - ukalipwa within 3 working days.

Kwa kweli mtu ufikirie fixed deposits za benki iwapo tu mapesa ni mengi sana kuwezesha negotiation za rate zaidi ya 12%.

Kuna mahali naweza kusoma zaidi kuhusu UTT, Huwa nataman sana kuwekeza huko ila sina taarifa nzuri

 

[Right footer]

Hapana Mkuu, hiyo ina tax exemption kama sikosei

Uko sahihi 100% hati fungani Zina tax exemption

 

[Right footer]

Nimependa mpango wako wa investment, labda ningekushauri kidogo



Nunua Bond ya Miaka 25 kwenye Soko la awali (Primary Market), coupon yake ni 15.95% hebu tuangalie hapo chini mchanganuo wake WA MIAKA 8

Amount	Coupon per annum	year 1	year 2	year 3	year 4	year 5	Year 6	year 7	Year 8	TOTAL
100,000,000​	15.95%​	15,950,000.00	15,950,000.00	15,950,000.00	15,950,000.00	15,950,000.00	15,950,000.00	15,950,000.00	15,950,000.00	127,600,000.00

Kwa mahesabu ya haraka haraka ya reducing Balance ukichukua 100M kwa muda wa miaka 8 mpangilio wake utakuwa kama ifuatavyo

Amount	Loan interest Rate	no of months	monthly Payment
100,000,000.00	5.6%​	96.00	1,294,752.77

Key issue monthly repayment hyo ya 1.2M
Scenario: mkopo uliochukua hujaweka dhamana Bond lakini umechukua mkopo umenunua bond sababu ya Arbitrage,
sasa sababu umechukua mkopo makato yanaanza kila mwezi! lakini usiogope
kumbuka bond inalipa coupon semi annually maana yake unalipwa 2 times per year kila baada ya miezi 6
so kwa Bond ya 25 years unapata 15.95% kwa mkopo wa milioni 100 ni 15,950,000 M kwa mwaka. Hii inamaanisha kila baada ya miezi 6 utalipwa 7,975,000.00 tsh.

TUANGALIE MALIPO KWA NJIA YA JEDWALI

Monthly Payment	Amount	Source of Funds	Comments	TOTAL AMOUNT PAID BY SALARY
January	1,294,752.77	Paid by your salary
February	1,294,752.77	Paid by your salary
March	1,294,752.77	Paid by your salary
April	1,294,752.77	Paid by your salary
May	1,294,752.77	Paid by your salary
June	1,294,752.77	Paid by your salary	Receiving coupon from Bond	7,768,516.62
July	1,294,752.77	Paid by bond	7,975,000.00
August	1,294,752.77	Paid by bond	6,680,247.23
September	1,294,752.77	Paid by bond	5,385,494.46
October	1,294,752.77	Paid by bond	4,090,741.69
November	1,294,752.77	Paid by bond	2,795,988.92
December	1,294,752.77	Paid by bond	1,501,236.15
January	1,294,752.77	Paid by bond	7,975,000.00	Receiving coupon from Bond
February	1,294,752.77	Paid by bond	6,680,247.23
March	1,294,752.77	Paid by bond	5,385,494.46
April	1,294,752.77	Paid by bond	4,090,741.69
May	1,294,752.77	Paid by bond	2,795,988.92
June	1,294,752.77	Paid by bond	1,501,236.15
July	1,294,752.77	Paid by bond
August	1,294,752.77	Paid by bond
September	1,294,752.77	Paid by bond
October	1,294,752.77	Paid by bond
November	1,294,752.77	Paid by bond
December	1,294,752.77	Paid by bond

uKIWEZA KULIPA mIEZI 6 YA MWANZONI , BOND ITACOVER MAREJESHO YOTE YALIYOBAKI MPAKA MKOPO UNAISHA , NA PIA UTAPATA TSH 206,483.38 KILA BAADA YA MIEZI 6.

KUMBUKA BAADA YA MKOPO WAKO KUISHA HELA YOTE ITAKAYOINGIA NI YA KWAKO, AMBAPO KUNA HESABU ZAKE ZA KUCOMPOUND PIA TUTAONGELEA SIKU NYINGINE

NB: unapofanya biashara kw adalali lazima akucharge hela ya kukunulia bond, fee ndogo tu ambayosijainclude. Ceteris Paribus

Inawezekana kupata hati fungani bila kumuhusisha dalali?

 

[Relief Mirzska]

Nimeangalia wazo lako ni zuri na ninapenda kuwafahamisha hata hapa ndani zipo taasisi zinazotoa chini ya asilimia 10 ya riba kwa wafanyakazi wao kama mikopo ni njia ya kuwapa wafanyakazi motisha. Wasiwasi wangu tu ni pale unapokupa kwenye dollar na unakuja kuwekeza kwenye shilingi hapo kuna kitu kidogo cha kuongalia tofauti ya inflation ya TShs na ile ya nchi unayokopa ili izije kukata baadaye kuna watu wanafanya hedging hapo ukiweza kuweka sawia inaweza kuwa investment nzuri sana ila ningekushauri baadhi uweke kwenye fixed deposit ili ukiwa i need ya hela unaweza kuvunja tu mkataba ukakabiliana nayo. uwe na ya mwaka 1, 2, 5 na 10 itakusaidia kwenye mambo yatakayoibuka. Malipo ya T-bond huwa ni mara mbili kila baada ya miezi sita.

Zipo taasisi hapa nchini ziñakopesha staff wake mpaka 15M bila riba

 

[Carnivora]

Hatifungani hivi hela zako kweli zinakuwa salama

Most secure........hata bank ni mashaka. Lakini serikali ipo tu haifi kwa namna yoyote ile.

 

[Mfuatiliaji]

Kwa wa taalam mm nitaka nipate shule ya haya mambo hasa uwekezaji in term of international hisa na bond wapi wanaconduct semina fupi fupi za wiki au mwezi

 

[winchester]

Chukua tu , kuna mtu namfahamu yeye ndio issue zake sasa anakaribia kukopa billioni kwa ajili yahizo hizo bonds . Kwa maelezo ni umeajiriwa sasa ili usichajiwe riba kubwa basi mshara wako ulipie hayo marejesho na pia ikitokea malipo ya bond basi nenda lipia mkopo wako partial payment , hii itasaidia kupunguza principal kwenye mkopo na muda wa kulipa mkopo hivyo interest itakuwa ndogo

 

[Right footer]

Kwa wa taalam mm nitaka nipate shule ya haya mambo hasa uwekezaji in term of international hisa na bond wapi wanaconduct semina fupi fupi za wiki au mwezi

International hisa inawezekana kupitia broker wa forex(nahisi huna ugeni katika hili) ila kwa bond international ndugu yangu inabidi uwe na msuli wa kifedha ulioshiba kweli kweli yani kwa sababu hata za kwetu Tanzania tu inabidi uwe na mtaji mkubwa kuweza kupata hizo bond kama mtu binafsi

 

[Right footer]

Chukua tu , kuna mtu namfahamu yeye ndio issue zake sasa anakaribia kukopa billioni kwa ajili yahizo hizo bonds . Kwa maelezo ni umeajiriwa sasa ili usichajiwe riba kubwa basi mshara wako ulipie hayo marejesho na pia ikitokea malipo ya bond basi nenda lipia mkopo wako partial payment , hii itasaidia kupunguza principal kwenye mkopo na muda wa kulipa mkopo hivyo interest itakuwa ndogo

Unaweza kutuambia principal yake ambayo ilimuwezesaha kupata hiyo bond kama hutojali tafadhali kwa sababu ninachojua ni kwamba mtu binafsi kupata fursa ya uwekezaji katika bond unatakiwa uwe na mtaji wa maana au ndo ameweza kupitia UTT Amis.

 

[winchester]

Unaweza kutuambia principal yake ambayo ilimuwezesaha kupata hiyo bond kama hutojali tafadhali kwa sababu ninachojua ni kwamba mtu binafsi kupata fursa ya uwekezaji katika bond unatakiwa uwe na mtaji wa maana au ndo ameweza kupitia UTT Amis.

Sina details nyingi sana ila jamaa anachofanya ni kuwa ananunua bond kidogo kidogo say 100M , baadae tena anakuja kukopa 100M kununulia bond zingine kwahiyo anakuwa na jumla 200M bonds ambazo anatumia kulipa mkopo aliochukua , sasa ameendelea kwa style hiyo mpaka bond zimefika kiasi cha billioni na zaidi kwahiyo anakopa tena dhmana zikiwa ni bonds, na kununua bond sio mpaka uwe na hela nyingi sana , kununua ni kupitia bank

 

[Right footer]

Sina details nyingi sana ila jamaa anachofanya ni kuwa ananunua bond kidogo kidogo say 100M , baadae tena anakuja kukopa 100M kununulia bond zingine kwahiyo anakuwa na jumla 200M bonds ambazo anatumia kulipa mkopo aliochukua , sasa ameendelea kwa style hiyo mpaka bond zimefika kiasi cha billioni na zaidi kwahiyo anakopa tena dhmana zikiwa ni bonds, na kununua bond sio mpaka uwe na hela nyingi sana , kununua ni kupitia bank

Ingefaa zaidi tungejua alianza na principal kiasi gani na ilikuwa ni mwaka gani ..... Kama waweza kumuhoji kwa kina utakuwa umetusaidia sana mkuu 🙏🙏

 

[Kibukuasili]

Mkubwa, wazo ni zuri lakini hebu kaa chini na ufanye hesabu za cashflow itakavyokuwa. Kama una kipato kingine cha kujazia hiyo annual interest ili uweze kufanya loan repayment labda utakua vizuri.
Kwa haraka haraka kama una kipato hicho then maybe you dont need that loan in the first place!

 

[MKIBAIGWA]

Treasury Bonds/T-bonds/T-Bills/Bonds/Hati Fungani ni Uwekezaji "Kichaa"

Hati fungani ni biashara "kichaa" na watu pekee ambao wanawekeza kwenye hii biashara ni wale waoga wakupoteza thamani ya mitaji ya pesa zao. Mabenki, mashirika ya bima, mifuko ya mafao pamoja na mashirika mengine bila shaka hutumia njia hii ya uwekezaji ili kutunza mitaji yao pengine ni kutokana...

www.jamiiforums.com

 

[Nyaka-One]

Kushuka thamani kwa fedha kunategemea nini hasa? Na je, Mfano nikiwa na 5mil bank leo baada ya miaka mitatu itakuwa na thamani sawa ?

Pamoja na michango mizuri iliyotolewa na wadau lakini hili swali ambalo ni muhimu sana bado halijajibiwa. Manaa ya swali hili ni kama hiyo 100m ikikaa huko BOT kwa miaka 15 ambapo kila mwaka atakuwa anapata faida ya 13.5% yaani TZS 13.5m na hatimaye baada ya hiyo miaka 15 kuwa na TZS 203m (inayojumuisha 100m na faida yake yote) ile 100m anayowekeza leo itakuwa na thamani ile ile hata baada ya miaka hiyo 15 au thamani yake itakuwa imepukutishwa na inflation? Kama inamong'onyolewa na inflation basi faida yake ni ndogo sana bora kwa pesa hiyo 100m kufanya biashara nyingine ambayo ikipata usimamizi mzuri inaweza kuzaa faida kubwa zaidi ya hizo treasury bonds.

 

[Nyaka-One]

Most secure........hata bank ni mashaka. Lakini serikali ipo tu haifi kwa namna yoyote ile.

Lakini pia inategemea serikali na serikali. Maana nchi nyingine hazina political/economic stability na serikali iliyopo madarakani inaweza kung'olewa muda wowote na uchumi kuyumba. Je, wale wanaokuwa wamewekeza kwenye hizo hati fungani za serikali matumaini yao ya kupata faida uwa hayaingii mashakani?

 

[THE BROKER]

Habari za leo wadau,

Nimepata hili wazo week hii, ushauri wenu kama linatekelezeka.
Background kidogo:

Mimi ni kijana, nina nafasi ya kupata mkopo kwa interest rate ya 5.6% kwa mwaka, kiasi cha mkopo nachoweza kuchukua maximum ni 125M marejesho miaka 4-10.

Mimi sio mtu wa biashara na pia kazi nayofanya hainipi muda wa kufanya biashara.

Nimewaza nichukua huu mkopo (100M) then niwekeze kwenye hati fungani za muda mrefu(15 years - 13.5% au 20 years - 15.49%, source:BOT)

Then hela nayopata kwenye hati fungani niitumie kurejesha mkopo wangu ambao utakuwa wa miaka 6. Kwa maana hiyo mambo mengine yataendelea kama kawaida.

Ni wazo nimeliwaza sijui wanajukwaa mnalionaje, ushauri wowote unakaribishwa.

Mpango hautawezekana kwa sababu kwenye Hati fungani riba utakayolipwa ni compensation for waiting tu (i.e. time value of money). Hi ni kwa sababu T.bond ni risk free investment so ile riba utakayolipwa ni risk free rate tu.

Kwa upande wa Mkopo, Bank kwa sababu ametake risk kukukopesha wewe itabidi umcompensate for waiting his money (refer time value of money concept) na pia ucompesate for risk component. Maana yake yake return atakayoipata bank ni ile risk free rate(sawa na ile unayoipata ukiwekeza kwenye hati fungani) pamoja na risk premium Kama compensation ya kutake risks. Refer Capital Asset Pricing Model (CAPM)

R(required rate of return)=rf(risk free rate) + b(rm_rf)

Kwa kanuni hiyo, kwa vyovyote vile marejesho ya Mkopo/bank lazima yatakuwa makubwa kuliko faida utakayoipata kwenye hati fungani. Fikiria ingekuwa inawezekana hivyo watu wasingekopa kuwekeza kwenye biashara ambayo inaweza kufa mda wowote ili hali kuna risks free investment ipo tu(T.bond, t.bills etc)

 

[Gushleviv]

Habari za leo wadau,

Nimepata hili wazo week hii, ushauri wenu kama linatekelezeka.
Background kidogo:

Mimi ni kijana, nina nafasi ya kupata mkopo kwa interest rate ya 5.6% kwa mwaka, kiasi cha mkopo nachoweza kuchukua maximum ni 125M marejesho miaka 4-10.

Mimi sio mtu wa biashara na pia kazi nayofanya hainipi muda wa kufanya biashara.

Nimewaza nichukua huu mkopo (100M) then niwekeze kwenye hati fungani za muda mrefu(15 years - 13.5% au 20 years - 15.49%, source:BOT)

Then hela nayopata kwenye hati fungani niitumie kurejesha mkopo wangu ambao utakuwa wa miaka 6. Kwa maana hiyo mambo mengine yataendelea kama kawaida.

Ni wazo nimeliwaza sijui wanajukwaa mnalionaje, ushauri wowote unakaribishwa.

Asante

Kanunue Bonds UTTT uwe unalipwa Dividends za kila Mwezi alafu hizomdivodends za kila mwezi ndio uwe una serve mkopo wako...ukifanya hili utakuja kunishukuru baadae.

 

[Gushleviv]

Dunia ya leo Pesa ya Mkopo kuweka Fixed Deposit Bank ni financial iLiteracy

 

[Chumchang Changchum]

Hati fungate inahitaji umakini sana ususani....
Usikose kupita B O T wakupe ushauri zaidi..