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

[Mbeba Lawama]

Chukua za miaka 20.

kwan hii dunia n yetu? In arusha voice

 

[Kranium]

Wajuzi wa haya mambo endeleeni kumwaga madini hapa....

Tuko wengi tunaotaka kujifunza zaidi

 

[pmwasyoke]

kwan hii dunia n yetu? In arusha voice

Sasa kuna za miaka 25 zenye riba kubwa zaidi (15.95%). Dunia iwe yetu au vinginevyo mimi ningechukua hizi.

 

[KingOligarchy]

Habari mkuu:

Majibu kama ifuatavyo:

1: Benki ikipokea hela yako inapeleka wapi? umewahi kujiuliza swali hilo < Treasury department ndo inacontrol function Hizi! itadeal nazo kwenye Money markets mfano treasury bills etc au capital markets treasury bonds. mikopo na vitu vingine. coming to my point kama benki inachukua hela yako na inaenda kupark kwenye Bonds why not wewe mwenyewe usinunue bond direct????? its the same na UTT AMIS (huyu tunamwita fund manager) ana mfuko unaitwa BOnd Fund, sasa kama una hela ya kununua bond why would u ask fund manager to invest for u while u can invest it yourself......... kwenye chain of supply tunasema biashara nzuri ni ile unayoipata kwenye source.


2. Financial report za mabenkiinaingia kwenye "THE BANKING AND FINANCIAL INSTITUTIONS (DISCLOSURES)" chini ya BOT: mabenki yote yanatoa statements zao kwenye magazeti kama sheria inavyosema hapo chini , quartely , annually na pia audited financial statements:
kama unataka comfortability, weka hela yako kwenye Big Banks nikimaanisha mabenki makubwa ambayo yapo nchi nyingi , SIO PROMO ila mfano ABSA, STANCHART , STANBIC pia locals kama NMB na CRDB. by looking at assets tu na service unaitambua hali ya benki hata kabla hujagusa financials, ukigusa financials angalia loans issued na level za default, angalia P&L for the last 3 years, Angalia capital injected za shareholders, angalia deposits, economic capital na Ratios zote

3. its funny lakini ndo ukweli, lakini jiulize why watu hawafanyi hivi. key issue hapa ni hyo 5.6% unaipata wapi? mimi nikiipata hyo rate ya mkopo nachukua Bilioni hata moja! hyo ni very cheap loan lakini nikamtahadharisha aliweka andiko je unakatwa kwa fixed rate au reducing balance maana kuna utofauti hapa.

4. why niweke fixed deposit 6% autorenewal kwa mwaka , wakati naweza kununua bond kwa 15.95% kwa mwaka? why why why???? most of the people wanasema fixed deposit kwa sababu ndo only asset ya investment wanayoijua! nimefanya sana investments kwenye category nyingi so najua diversification imekaaje with First Hand experience.
Hapa utamuwekea mtoto wako bond na wewe utajiwekea bond na kama usipochukua ukareinvest,



Je kipi bora...nizi-sum up zote to have 160M then nitafute Bonds za TOT ama kila mtoto apate Bonds individually na pia mie nipate mkopo wa 200M (naweka nyumba bond) nauservice mkopo for 6 initial months then after coupon inaniendeshea installment as soon the 7th installment? Huku ile 100M yangu iko kule kule kwy Fixed Acc#? Hebu naomba nishauri mkuu nikimbie hizi ajira nianze kula mema ya nchi.

sum up zote mil 160, nunua bond ya 25 yrsmara moja kula mema ya nchi! kuhusu kuweka nyumba kuchukua mkopo imekaa pouwa lakini most likely inakuwa sio realistic sababu kupata taasisi inayokukopesha kwa 5.6% kama muandishi wa kwanza alivyoandika sio mchezo. lakini kama ukipata its the best thing lakini kama huna itabidi hapa kurudi kwenye calculator zetu kuanza mipango tena........ ukitaka kupata rate nzuri mara nyingi ni through SACCOSS. na vijicoba na vijitu hvyo vidogodogo.


NAWASALIMU KWA JINA LA JAMHURI YA MUUNGANO WA TANZANIA

 

[Northern Lights]

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

Asante kwa ufafanuzi huu. Bado naliwazia hili wazo. Nimewaza pia kuwekeza kwenye soko la hisa tu. Hasa the US

 

[Northern Lights]

View attachment 1807131

mkuu naomba pia usi sahau kuangalia Hili ,
Bank inaweza kutoa mkopo huo huo kwa 8% Fixed Interest
Bank inaweza ikatoa mkopo huo huo kwa 15% Reducing Balance

View attachment 1807139

pia nakufahamisha

Fixed Interest ya asilimia 8% sio sawa na Reducing balance asilimia 8%.

Kuwa makini.


NAWASALIMU KWA JINA LA JAMHURI YA MUUNGANO WA TANZANIA

Nafaham hilo mkuu

 

[Northern Lights]

So hamna faida kwenye hii biashara km ni hapa Bongo right?

labda akope nje ya Africa riba ndogo aje anunue bonds huku

niulize swali
Interest rate ya bonds ni fixed ama inategemea na soko?.

Bond ni fixed kwa ninavofaham

 

[Smart911]

Ngoja waje kukupa muongozo...

 

[malembeka18]

Habari mkuu:

Majibu kama ifuatavyo:

1: Benki ikipokea hela yako inapeleka wapi? umewahi kujiuliza swali hilo < Treasury department ndo inacontrol function Hizi! itadeal nazo kwenye Money markets mfano treasury bills etc au capital markets treasury bonds. mikopo na vitu vingine. coming to my point kama benki inachukua hela yako na inaenda kupark kwenye Bonds why not wewe mwenyewe usinunue bond direct????? its the same na UTT AMIS (huyu tunamwita fund manager) ana mfuko unaitwa BOnd Fund, sasa kama una hela ya kununua bond why would u ask fund manager to invest for u while u can invest it yourself......... kwenye chain of supply tunasema biashara nzuri ni ile unayoipata kwenye source.


2. Financial report za mabenkiinaingia kwenye "THE BANKING AND FINANCIAL INSTITUTIONS (DISCLOSURES)" chini ya BOT: mabenki yote yanatoa statements zao kwenye magazeti kama sheria inavyosema hapo chini , quartely , annually na pia audited financial statements:
kama unataka comfortability, weka hela yako kwenye Big Banks nikimaanisha mabenki makubwa ambayo yapo nchi nyingi , SIO PROMO ila mfano ABSA, STANCHART , STANBIC pia locals kama NMB na CRDB. by looking at assets tu na service unaitambua hali ya benki hata kabla hujagusa financials, ukigusa financials angalia loans issued na level za default, angalia P&L for the last 3 years, Angalia capital injected za shareholders, angalia deposits, economic capital na Ratios zote

View attachment 1807689

View attachment 1807690

3. its funny lakini ndo ukweli, lakini jiulize why watu hawafanyi hivi. key issue hapa ni hyo 5.6% unaipata wapi? mimi nikiipata hyo rate ya mkopo nachukua Bilioni hata moja! hyo ni very cheap loan lakini nikamtahadharisha aliweka andiko je unakatwa kwa fixed rate au reducing balance maana kuna utofauti hapa.

4. why niweke fixed deposit 6% autorenewal kwa mwaka , wakati naweza kununua bond kwa 15.95% kwa mwaka? why why why???? most of the people wanasema fixed deposit kwa sababu ndo only asset ya investment wanayoijua! nimefanya sana investments kwenye category nyingi so najua diversification imekaaje with First Hand experience.
Hapa utamuwekea mtoto wako bond na wewe utajiwekea bond na kama usipochukua ukareinvest,



Je kipi bora...nizi-sum up zote to have 160M then nitafute Bonds za TOT ama kila mtoto apate Bonds individually na pia mie nipate mkopo wa 200M (naweka nyumba bond) nauservice mkopo for 6 initial months then after coupon inaniendeshea installment as soon the 7th installment? Huku ile 100M yangu iko kule kule kwy Fixed Acc#? Hebu naomba nishauri mkuu nikimbie hizi ajira nianze kula mema ya nchi.

sum up zote mil 160, nunua bond ya 25 yrsmara moja kula mema ya nchi! kuhusu kuweka nyumba kuchukua mkopo imekaa pouwa lakini most likely inakuwa sio realistic sababu kupata taasisi inayokukopesha kwa 5.6% kama muandishi wa kwanza alivyoandika sio mchezo. lakini kama ukipata its the best thing lakini kama huna itabidi hapa kurudi kwenye calculator zetu kuanza mipango tena........ ukitaka kupata rate nzuri mara nyingi ni through SACCOSS. na vijicoba na vijitu hvyo vidogodogo.


NAWASALIMU KWA JINA LA JAMHURI YA MUUNGANO WA TANZANIA

Mkuu 25 kwenye bonds ya 25year itafaa na malipo yake yatakuaje

 

[_ID]

Kweli JF ni zaidi ya versity!

 

[MC RAS PAROKO]

Baada ya kufatilia kwa karibu masuala ya hatifungani na kusoma makala kadhaa yapo baadhi ninayoyajua ambayo kimsingi yanaweza kukusaidia ww au mwingine.

INGEKUA MIMI NI WEWE NINGEFANYA HIVI

Huu mkopo unaoupata kwa riba ya 5.6% ni lulu ningeuchukua bila kusita wa kuomba ushauri wowote, na baada ya kuupata ningesogeza muda wa marejesho uwe max kma mwisho wao ni 8yrs ndo ningepick hiyo, hii ingesaidia kupunguza rejesho kwa mwaka/mwezi.

Baada ya kupata huo mkuopo ningenunua hatifungani za miaka 20 au 25 kutoka BOT na ningetumia kiasi pungufu cha marejesho ya miezi mitano ya mwanzo ili niweze kuhudumia mkopo wangu kwa miezi ninayosubiri riba kutoka BOT. na baada ya hiyo miezi 6 mkopo tayari ungeweza kujihudumia bila mimi kusumbuka nao.

Baada ya miezi 6 mkopo unapoanza kujihudumia ningeangalia gape ya kupata mkopo mwingine wa aina hiyo na ningeufanya kama nilivyofanya kwa mkopo wa awali. the plan is to create a strong PASSIVE INCOME in 10yrs!

Ikiwa nisingepata fursa ya kukopeshwa nao tena ningerudi bank za bongo wanatoa mikopo kwa kutumia hatifungani km dhamana na wanatoa up to 70% ningechukua mzigo na kufanya nilichofanya mwezo.

Hizi mikopo zingeendelea kujilipia kwa miaka kadhaa kabla ya kuanza kunilipa direct.!

Yaani hii ni zaidi ya fursa kwa macho yangu, hata muda unaoutumia kusoma hizi comment naona kama unachelewa zaidi.

 

[pmwasyoke]

Kwani Fixed deposite zina risk?
Nadhani kwa pesa aliyonayo hata akienda commercial banks na kuomba interest rate nzuri kwa huo muda wa miaka 10 atapatiwa tu.

Muhimu nadhani ni kutembelea mabank.
Nakulbuka one time kabla ya janga hili la corona 'tuliwekeza fixed deposit' ya kama 90M au chini yake... pale Access bank kwa mwaka mmoja then nikaomba faida iingie kwa account ili niweze kuitoa kila mwaka...afu nikampa wife ile ATM card...mamaye aliniona zungu...mtoto alikuwa anaenda chomoa kama 1M kila mwezi...hapo hakuniomba tumizi lolote nikafocus na issues zingine tu...

But for now rates zimeshuka sana karibu mabank yote. This is from experience maana niliifanya hii.

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%.

 

[Chiwa]

kufanya kazi katika sehemu ambayo una fursa ya kukopa halafu hukopi ni hasara.
hivyo kopa haraka tu.
sema kwangu mimi napenda money A to money C chukua hati fungani ya muda mfupi angalau miaka 5 si zaidi ya hapo inaweza lipa ila hiyo hati fungani iweze kutumika kukopea mkopo mwingine hata wa milioni 60

 

[Chiwa]

You need consultation:
100,000,000 x 13.5% = 13,500,000 per annual X 6 = 81,000,000/= . Kila mwaka utalipwa 13,500,000 kama riba.
sina hakika mkopo wa 100m/= at 5.6% unapata kwa baba au mjomba, kwa sababu kwa Bongo hakuna taasisi ina rate ya hivyo.
Assume loan repayment is fixed amount p.a (principal plus interest) Jumla ya marejesho yatakuwa 133,600,000/= after 6 years; na kila mwaka utatakiwa kurejesha 22,266,667/=
How will you supplement the balance? nikiwa na maana kwamba unapata riba 13,500,000/= na unatakiwa kulipa 22,266,667/=

 

[Chiwa]

You are correct - nime ignore so many factors including including loan repayment

Hata kama mkopo utakuwa calculated on the remaining balance of the loan (reducing balance ) still utatakiwa kulipa 19.6 Million kwa mwaka while you earn 13.5 Million yearly

So for the next six years atalazimika kutafuta other means za kuservice mkopo mpaka aumalize and then baada ya hapo ndo utaweza kuona faid

You need consultation:
100,000,000 x 13.5% = 13,500,000 per annual X 6 = 81,000,000/= . Kila mwaka utalipwa 13,500,000 kama riba.
sina hakika mkopo wa 100m/= at 5.6% unapata kwa baba au mjomba, kwa sababu kwa Bongo hakuna taasisi ina rate ya hivyo.
Assume loan repayment is fixed amount p.a (principal plus interest) Jumla ya marejesho yatakuwa 133,600,000/= after 6 years; na kila mwaka utatakiwa kurejesha 22,266,667/=
How will you supplement the balance? nikiwa na maana kwamba unapata riba 13,500,000/= na unatakiwa kulipa 22,266,667/=

mbona kama mmemtisha hivi?
nilivyoelewa mimi ni kuwa hiyo riba ni annually na ni reducing rate ambayo inafanya mothly kuwa sawa na .0005416667 kwa mwezi na instalment kwa principal kuwa 1,736,111.11 kwa miezi 72 ikiwa sawa na miaka 6.
kwa kipindi chote riba ya mkopo mzima itakuwa 24,715,062.52 na kufanya marejesho kwa kila mwezi kuwa sawa na shilingi 2,079,375,87 hivyo kama kwa mwaka anapata 13,500,000/- bado inamlipa na anauwezo wa kutumia hiyo hati fungani kuchukua mkopo mwingine akawekeza kwenye mradi mwingine kupunguza risk ya mfumuko wa bei siku zijazo.
hivyo kakope haraka.

 

[Wako Mtiifu]

Habari mkuu:

Majibu kama ifuatavyo:

1: Benki ikipokea hela yako inapeleka wapi? umewahi kujiuliza swali hilo < Treasury department ndo inacontrol function Hizi! itadeal nazo kwenye Money markets mfano treasury bills etc au capital markets treasury bonds. mikopo na vitu vingine. coming to my point kama benki inachukua hela yako na inaenda kupark kwenye Bonds why not wewe mwenyewe usinunue bond direct????? its the same na UTT AMIS (huyu tunamwita fund manager) ana mfuko unaitwa BOnd Fund, sasa kama una hela ya kununua bond why would u ask fund manager to invest for u while u can invest it yourself......... kwenye chain of supply tunasema biashara nzuri ni ile unayoipata kwenye source.


2. Financial report za mabenkiinaingia kwenye "THE BANKING AND FINANCIAL INSTITUTIONS (DISCLOSURES)" chini ya BOT: mabenki yote yanatoa statements zao kwenye magazeti kama sheria inavyosema hapo chini , quartely , annually na pia audited financial statements:
kama unataka comfortability, weka hela yako kwenye Big Banks nikimaanisha mabenki makubwa ambayo yapo nchi nyingi , SIO PROMO ila mfano ABSA, STANCHART , STANBIC pia locals kama NMB na CRDB. by looking at assets tu na service unaitambua hali ya benki hata kabla hujagusa financials, ukigusa financials angalia loans issued na level za default, angalia P&L for the last 3 years, Angalia capital injected za shareholders, angalia deposits, economic capital na Ratios zote

View attachment 1807689

View attachment 1807690

3. its funny lakini ndo ukweli, lakini jiulize why watu hawafanyi hivi. key issue hapa ni hyo 5.6% unaipata wapi? mimi nikiipata hyo rate ya mkopo nachukua Bilioni hata moja! hyo ni very cheap loan lakini nikamtahadharisha aliweka andiko je unakatwa kwa fixed rate au reducing balance maana kuna utofauti hapa.

4. why niweke fixed deposit 6% autorenewal kwa mwaka , wakati naweza kununua bond kwa 15.95% kwa mwaka? why why why???? most of the people wanasema fixed deposit kwa sababu ndo only asset ya investment wanayoijua! nimefanya sana investments kwenye category nyingi so najua diversification imekaaje with First Hand experience.
Hapa utamuwekea mtoto wako bond na wewe utajiwekea bond na kama usipochukua ukareinvest,



Je kipi bora...nizi-sum up zote to have 160M then nitafute Bonds za TOT ama kila mtoto apate Bonds individually na pia mie nipate mkopo wa 200M (naweka nyumba bond) nauservice mkopo for 6 initial months then after coupon inaniendeshea installment as soon the 7th installment? Huku ile 100M yangu iko kule kule kwy Fixed Acc#? Hebu naomba nishauri mkuu nikimbie hizi ajira nianze kula mema ya nchi.

sum up zote mil 160, nunua bond ya 25 yrsmara moja kula mema ya nchi! kuhusu kuweka nyumba kuchukua mkopo imekaa pouwa lakini most likely inakuwa sio realistic sababu kupata taasisi inayokukopesha kwa 5.6% kama muandishi wa kwanza alivyoandika sio mchezo. lakini kama ukipata its the best thing lakini kama huna itabidi hapa kurudi kwenye calculator zetu kuanza mipango tena........ ukitaka kupata rate nzuri mara nyingi ni through SACCOSS. na vijicoba na vijitu hvyo vidogodogo.


NAWASALIMU KWA JINA LA JAMHURI YA MUUNGANO WA TANZANIA

Kazi iendelee mkuu asante kwa madini!

 

[Jane Msowoya]

You need consultation:
100,000,000 x 13.5% = 13,500,000 per annual X 6 = 81,000,000/= . Kila mwaka utalipwa 13,500,000 kama riba.
sina hakika mkopo wa 100m/= at 5.6% unapata kwa baba au mjomba, kwa sababu kwa Bongo hakuna taasisi ina rate ya hivyo.
Assume loan repayment is fixed amount p.a (principal plus interest) Jumla ya marejesho yatakuwa 133,600,000/= after 6 years; na kila mwaka utatakiwa kurejesha 22,266,667/=
How will you supplement the balance? nikiwa na maana kwamba unapata riba 13,500,000/= na unatakiwa kulipa 22,266,667/=

Mkuu umedadavua vyema Hadi nimeshiba

 

[billionea alpha]

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

Bond utoi hela ,mpaka muda wa mkubaliano ukifika...

 

[The Monk]

Hapo sie layman wa uchumi tunaangalia mambo mawili.
1. Kama riba ya mkopo unaopewa ni ndogo kuliko riba unayoipata utakapowekeza inamaana uwezekano mkubwa ni kutengeneza faida. Hiyo ni kama kanuni kwa biashara yeyote, ikiwa unatumia kiasi kidogo kutengeneza bidhaa uksiuza kwa pesa zaidi ya uliotumia kukamilisha bidhaa inamaana hapo faida haikwepeki. Riba ndogo ya mkopo inaamua kiwango cha faida.

2. Cha pili, kwa kuwa BoT wanatoa faida kwa mwaka mara mbili, na taasisi nyingi za kifedha wanataka marejesho kwa kila mwezi, inabidi ufanye utaratibu wa kuhakikisha unauwezo wa kufanya marejesho ya kila mwezi ukiwa unasubiria gawio la BoT.

Vinginevyo, kila la kheri.

 

[Mangungo II]

Jenga nyumba M100,hukosi kodi laki 5 kwa mwezi

Heheheheh halafu inamtafuta dalali alpha akutafutie wateja