Tanzania Diaspora Investors And Skills Forum 2008

[Kana-Ka-Nsungu]

Nimelazimika kuanzisha thread mpya kuhusiana na suala hili kwa kuwa binafsi sioni kwamba hili ni suala la kisiasa, pili thread iliyopo inamuongelea Balozi Maajar na JF as if tukio zima lilikuwa kwa ajili yao, tatu wachangiaji wengi wanaochangia kwenye thread iliyopo wamekuwa dragged into negativity and it sounds as if it was just a waste of time and money, naomba kwa wale walio bahatika kuwepo tujadili mazuri yaliyojiri, naamini wenzetu walioko kona mbalimbali za dunia ndio wanayotaka kusikia...

Kwa wengi tulioko ughaibuni Real Estate ni nyanja ambayo kila mtu ana interest nayo. Habari njema ni kwamba Commercia Bank Of Africa wanatoa 100% financing kwa ununuzi wa nyumba kuanzia kiasi cha Tshs 20m up to 350m na kizuri zaidi una nafasi ya kufanya malipo haya kwa kipindi cha miaka 15!
Contacts zao ni: Simu-+255 22 213 0113
Email-info@cba.co.tz
Web-www.cba.co.tz
Pia National Housing Corporation wana projects mpya maeneo mbalimbali nchini, kwa Dar kuna nyumba za Mbweni zinazo range kati ya Tsh. 72m up to 142m na terms za malipo ni 50% down payment then unalipa remaining balance in 1 year.Hizi terms zao ni ngumu lakini kuna matumaini zitabadilika kwa kuwa Gavana alidokeza kwamba muswada wa masuala ya mortgage umeshapelekwa bungeni.
NHC contacts:-Tel-+255 22 2851590/2851135
Email-dg@nhctz.com
Web-www.nhctz.com
Na mwisho kabisa naungana na mabankers wote waliiongea jana kuwa ni muhimu wote tulioko ughaibuni tuwe na saving accounts nyumbani (sio lazima iwe kwenye madafu, unaweza kufungua in USD au pounds) ili tusaidie kuboost economy in one way or another. Pia CEO wa DSM sock exchange ameshauri watu tufanye savings kwa ku invest kwenye shares kwa kuwa zinalipa zaidi kuliko kuweka hela bank, the choice is yours.....
Kila la heri.

 

[Steve Dii]

.....and i concur ! the other thread broods more over personal issues. it's for you attendees in that country who have the responsibility to let us know about other things that went on discussion, ili tuupate upande wa pili wa shillingi... thanks.

 

[Kubwajinga]

Nimelazimika kuanzisha thread mpya kuhusiana na suala hili kwa kuwa binafsi sioni kwamba hili ni suala la kisiasa, pili thread iliyopo inamuongelea Balozi Maajar na JF as if tukio zima lilikuwa kwa ajili yao, tatu wachangiaji wengi wanaochangia kwenye thread iliyopo wamekuwa dragged into negativity and it sounds as if it was just a waste of time and money, naomba kwa wale walio bahatika kuwepo tujadili mazuri yaliyojiri, naamini wenzetu walioko kona mbalimbali za dunia ndio wanayotaka kusikia...

Kwa wengi tulioko ughaibuni Real Estate ni nyanja ambayo kila mtu ana interest nayo. Habari njema ni kwamba Commercia Bank Of Africa wanatoa 100% financing kwa ununuzi wa nyumba kuanzia kiasi cha Tshs 20m up to 350m na kizuri zaidi una nafasi ya kufanya malipo haya kwa kipindi cha miaka 15!
Contacts zao ni: Simu-+255 22 213 0113
Email-info@cba.co.tz
Web-www.cba.co.tz
Pia National Housing Corporation wana projects mpya maeneo mbalimbali nchini, kwa Dar kuna nyumba za Mbweni zinazo range kati ya Tsh. 72m up to 142m na terms za malipo ni 50% down payment then unalipa remaining balance in 1 year.Hizi terms zao ni ngumu lakini kuna matumaini zitabadilika kwa kuwa Gavana alidokeza kwamba muswada wa masuala ya mortgage umeshapelekwa bungeni.
NHC contacts:-Tel-+255 22 2851590/2851135
Email-dg@nhctz.com
Web-www.nhctz.com
Na mwisho kabisa naungana na mabankers wote waliiongea jana kuwa ni muhimu wote tulioko ughaibuni tuwe na saving accounts nyumbani (sio lazima iwe kwenye madafu, unaweza kufungua in USD au pounds) ili tusaidie kuboost economy in one way or another. Pia CEO wa DSM sock exchange ameshauri watu tufanye savings kwa ku invest kwenye shares kwa kuwa zinalipa zaidi kuliko kuweka hela bank, the choice is yours.....
Kila la heri.

Maazimio mazuri. Ushauri wangu ni kwa wale walio raia au permanent residents ughaibuni, kuwa wanunue nyumba kwanza huko huko wanakoishi ili wafaidike na kutolipa kodi halafu ndio baada ya hapo wakajenge nyumbani. Watakapoamua kurudi nyumbani, ni rahisi kuziuza nyumba walizonunua na kubeba pesa ambayo wangepoteza kwenye kodi nyumbani, TZ.

 

[Nzokanhyilu]

Safi KKN;
Nikusaidie ki-link;
Home Loans

Home Loans :

The key to your Dream Home

Get the keys to your dream home from CBA today! The CBA Home Finance offers you the ability to buy your own house with a simple long – term loan, payable up to 15 years.

First, how it works.

You can borrow from TZS 20 Million up to TZS 350 Million. Based on your ability to repay, the value of your house and the location.

The Home Finance is specially tailored for, both employed and self employed individuals, both Tanzanian residents and non- residents. We also encourage you to take the loan as joint – borrowers i.e. husband and wife.

The winning advantage.
Once you identify your dream house, CBA will pay the full (100%) purchase price of the house. The product is available in TZS and USD currencies.


Repayment periods
You have the option to repay the loan in a maximum period of 15 years.

Simple procedure
Pick up and complete a simple application form from our offices. Expect an answer in less than a week from the date you returned your application. Our relationship manager will always be on standby to help you complete your application form or any advice on the purchase of your home.

Conditions
Minimum age is 25 years and maximum is 60 years at the age of maturity of the loan.
The property should be not more than 20 years old.
Monthly installments should be not more than 45% of your monthly salary.
One will need to deposit a six months deposit as a down payment (which is refundable at the end of the loan period).
Life and property insurance will be arranged by the bank.

Made simple for you
Once we certify that you qualify, all you will need to submit is:
6 month bank statement
Sales agreement
Salary slip
Property valuation report

Ikibidi Mods waiweke kwenye siasa watu waione, then irudishwe huku bila udakuness!

 

[Kana-Ka-Nsungu]

Japokuwa CRDB walichabangwa sana na account yao ya Tanzanite bado pia kuna matumaini ya hiyo service kuwa improved, mipango ya kutoa kadi za chip and pin iko kwenye hatua za mwisho, wenye hizo account wanaweza pia kuwasiliana na branch zao ili wa registe na internet banking which is free kwa watu walioko majuu (walioko bongo wanalipia- pse dont ask me why!). Pia the most interesting thing nilichookota ni partnership ya CRDB na Lloyds, kama una tanzanite account unaweza,kwa malipo ya pounds 3, kwenda kwenye branch yoyote ya Lloyds na uka deposit hela yako moja kwa moja kwenye account yako iliyoko bongo, kuna mdau aliniambia inawezekana ukaset standing order for this purpose.

 

[Nzokanhyilu]

Maazimio mazuri. Ushauri wangu ni kwa wale walio raia au permanent residents ughaibuni, kuwa wanunue nyumba kwanza huko huko wanakoishi ili wafaidike na kutolipa kodi halafu ndio baada ya hapo wakajenge nyumbani. Watakapoamua kurudi nyumbani, ni rahisi kuziuza nyumba walizonunua na kubeba pesa ambayo wangepoteza kwenye kodi nyumbani, TZ.

True. Ila ningependa nisikie valuations za nyumba sasa hivi hapo Tanzania.

Nina wasiwasi tunajaribu kunyanyua soko sehemu fulani fulani kwa kasi sana bila kuwa realistic na kutumia mipangilio mibovu. Kwamfano, Kariakoo property zimepanda sana katika miaka 10 iliyopita. Tatizo lake sehemu imejegenka bila mpangilio.....ili mradi watu washindane kupandisha maghorofa. Kwavile bado hatuna uhaba wa ardhi, tukiamua kutengeneza kisehemu kingine chenye huduma zile zile za Kariakoo, na mpagilio mzuri zaidi, katika bei ya chini zaidi, basi investment ya Kariakoo itaonekana ni loss kubwa.........Yaani soko liko locally inflated uneccessarily ready to explode!!

Sasa watu wengi waliokaa UK/Europe/USA or elsewhere, labda watapenda nyumba ziwe za aina fulani fulani. Utakuta nyumba hizi zinakuwa clustered sehemu fulani......yaani kama uniform za majumba ya ulaya. Mtu aliyeishi ughaibuni, anaweza kuona dili. Mtu kama hutumii surveyor wake etc, unaweza ukakuta nyumba hizi zimelipuliwa katika quality ya ujenzi. Waafrika tunapenda shortcut, kwahiyo hizi nyumba zinaweza zikawa zimelipuliwa so someone can make a killing.

The cheapest option is to build your house from scratch. The catch, if you are abroad, you cant trust a ndugu to oversee the building of your house. So an easy solution is to follow this bank route. So, my problem will be property valuation!!

 

[Mtanzania]

True. Ila ningependa nisikie valuations za nyumba sasa hivi hapo Tanzania.

Nina wasiwasi tunajaribu kunyanyua soko sehemu fulani fulani kwa kasi sana bila kuwa realistic na kutumia mipangilio mibovu. Kwamfano, Kariakoo property zimepanda sana katika miaka 10 iliyopita. Tatizo lake sehemu imejegenka bila mpangilio.....ili mradi watu washindane kupandisha maghorofa. Kwavile bado hatuna uhaba wa ardhi, tukiamua kutengeneza kisehemu kingine chenye huduma zile zile za Kariakoo, na mpagilio mzuri zaidi, katika bei ya chini zaidi, basi investment ya Kariakoo itaonekana ni loss kubwa.........Yaani soko liko locally inflated uneccessarily ready to explode!!

Sasa watu wengi waliokaa UK/Europe/USA or elsewhere, labda watapenda nyumba ziwe za aina fulani fulani. Utakuta nyumba hizi zinakuwa clustered sehemu fulani......yaani kama uniform za majumba ya ulaya. Mtu aliyeishi ughaibuni, anaweza kuona dili. Mtu kama hutumii surveyor wake etc, unaweza ukakuta nyumba hizi zimelipuliwa katika quality ya ujenzi. Waafrika tunapenda shortcut, kwahiyo hizi nyumba zinaweza zikawa zimelipuliwa so someone can make a killing.

The cheapest option is to build your house from scratch. The catch, if you are abroad, you cant trust a ndugu to oversee the building of your house. So an easy solution is to follow this bank route. So, my problem will be property valuation!!

Nzokanhyilu,

Binafsi nilipendezwa na presentation ya jamaa wa CBA. Ila tu kama nilivyosema mwanzoni, siko optmistic na mambo ambayo mabank ya Tanzania yanasema yakiwa nje.

Labda muhimu hapa ni walioko TZ kutuambia wangapi wameshaenda kuongea na CBA
kuhusu mortgage? Na wanaonaje huduma za hiyo bank?

Niliwahi kuhudhuria mkutano wa baraza la wafanyabiashara wa Afrika na Asia ambao ulifanyika Dar. Mama wa Kinigeria kumbe alipofika tu, yeye akaenda Kariakoo na kupitia maduka yote pale mjini, kila aliyemwuliza, hakuna hata mmoja aliyesema mtaji katoa bank. Mitaji ilitoka kwa ndugu na sources zingine. Yule mama mpaka alitukana, Mramba akakimbia baada ya kubanwa. Hiyo ndio reality ya nyumbani ambayo mara nyingi huwezi kuipata kwenye hizi forums ambako wanaimba tu utafikiri CCM wanavyoimba maadili na uongozi bora.

Idea ya CBA ni nzuri na ni mategemeo yangu watafanya kama wanavyosema kwa faida yao na sisi wananchi.

CRDB baada ya kuwasikiliza na kusoma brochure zao, sijapata sababu ya kunifanya nifungue account ya Tanzanite. Sihitaji CHIP and PIN card yao maana huku tayari nina hizo cards miaka mingi. Mimi nilikuwa interested kujua kwa kuwa na hiyo account itanisadia vipi kupeleka pesa TZ kwa gaharma ndogo na ikiwezekana hizo pesa zibaki kwenye pounds au USD. Sikupata jibu la kuridhisha. Kama kuna mtu anajibu, nitafurahi kuelemishwa.

Huenda kwa wanafunzi na wale wanaokuja nje kwa muda mfupi ikawa na manufaa. Lakini lengo lake ni ku target walioko nje, hapo ndipo penye kizunguzungu.

Customer care ni kitu muhimu mno kwenye mabank, sasa kama hata kuwapata kasheshe, ukiwa nje, umeibiwa au umepata janga lingine, utajiokoa vipi?

Kama nilivyosema hata mwanzoni, nilifurahishwa na jamaa wa TIGO, ZATEL na hata huyo wa CBA.

Musiba na yule jamaa wa baraza la biashara TZ, ni katika wababaishaji wa TZ. Mimi nimesha deal nao Tanzania, hawana msaada. Wako pale kuendeleza matumbo yao wakati lengo ni kuwawakilisha wafanyabiashara ili kujenga mazingira mazuri. Wao raha kubwa ni kukutana na rais na kuongozana naye kwenye misafara. Kwa kweli hata wakati wanaongea mimi nilitamani nilale, ilikuwa ni kunipotezea muda wangu. Ni sawa na Chenge kutoa mada ya uongozi bora huku kila mtu anajua ni mwizi.

Siwakatishi tamaa mnaotaka kujaribu, nawashauri jaribuni na tuleteeni experience yenu. Ila somo muhimu ni kwamba usiamini wanachosema Watanzania wakiwa Ulaya, jaribu ukiwa Tanzania na kama bado utakubaliana nao basi hapo kuna jema. Vinginevyo ukiona wanaanza kukubabaisha, hutakuwa mtu wa kwanza, wengi tumepitia hatua hizo.

 

[Kana-Ka-Nsungu]

CRDB baada ya kuwasikiliza na kusoma brochure zao, sijapata sababu ya kunifanya nifungue account ya Tanzanite. Sihitaji CHIP and PIN card yao maana huku tayari nina hizo cards miaka mingi. Mimi nilikuwa interested kujua kwa kuwa na hiyo account itanisadia vipi kupeleka pesa TZ kwa gaharma ndogo na ikiwezekana hizo pesa zibaki kwenye pounds au USD. Sikupata jibu la kuridhisha. Kama kuna mtu anajibu, nitafurahi kuelemishwa.

Mtz,
Unaweza kufungua account ya tanzanite in USD,Pounds au kwa hela za madafu, kila transaction ya kutransfer hela utachajiwa 3 pounds regardless ya amount unayotuma kama utawatumia Lloyds. CRDB watakupa deposit book ambayo itakuwezesha kusave hela zako kwenye account yako ya bongo ukiwa hapa UK. In general hii ni account ya saving, zile hela ambazo huna mahitaji nazo kwa sasa unazitupa huko na kuzisahau,kama ukiwa na kadi unaweza kuwithdraw hela zako hapahapa UK lakini utachajiwa pound moja kwa kila trip kwenye ATM! Namshauri kila anayefungua hii account afanye registration ya internet banking for ufisadi monitoring purpose!!!

 

[Mtanzania]

Mtz,
Unaweza kufungua account ya tanzanite in USD,Pounds au kwa hela za madafu, kila transaction ya kutransfer hela utachajiwa 3 pounds regardless ya amount unayotuma kama utawatumia Lloyds. CRDB watakupa deposit book ambayo itakuwezesha kusave hela zako kwenye account yako ya bongo ukiwa hapa UK. In general hii ni account ya saving, zile hela ambazo huna mahitaji nazo kwa sasa unazitupa huko na kuzisahau,kama ukiwa na kadi unaweza kuwithdraw hela zako hapahapa UK lakini utachajiwa pound moja kwa kila trip kwenye ATM! Namshauri kila anayefungua hii account afanye registration ya internet banking for ufisadi monitoring purpose!!!

Kana-ka-Nsungu,

Hapo ndio kwenye tatizo, kama lengo ni watu wa nje, lazima waangalie kwamba hii Tanzanite account itakuwa na faida kuliko debit cards za mabank ya huku nje.

Kwa walio wengi huko nje tatizo ni kutuma pesa TZ kwasababu gharama inakuwa kubwa na pia exchange rate inakuwa ndogo kuliko kawaida ukitumia watu kama Western Union.

Kwa mabank ya Tanzania, wanakufyeka pesa unapotoa pesa zako na pia kila mwezi wanakata pesa hata kama hujafanya transaction yoyote.

Kama unaweza nisaidie kujibu, ni faida gani nitapata kwa kuwa na Tanzanite account tofauti na nikiwa na accounts za huku nje?