Usalama wa Pesa zako unazoweka Benki

[Mwamba028]

ahawa jamaa wa benki wanaudhi sana maana hata kama ni malengo account ya nbc wanakata eti kodi yaani hela zangu halafu na kodi tena aaah

Hahaha,,mkuu wanakata na kodi tena?

 

[Logikos]

Ninachokiona hapa watu wengi bado hawana uelewa wa benki zinaendeshwaje

mkuu nadhani karibia kila mtu anajua kwamba benki kuna package tofauti ila wengi account ambayo ni practical ni savings account ili hata akipata shida au deal fulani aweze kuzitoa na kutumia. Sasa basi kwa benki kumkata mtu pesa yake kwenye savings wakati kazi ya benki ni kukopesha / kuzalisha pesa za watu ni wizi wa mchana kweupe sababu pesa za watu zinazungushwa kwanini mtu akatwe pesa hio service charge inatoka wapi kama sio wizi?

 

[nickbutt]

Dua tu haya yasitokee, kwa sababu dunia ya leo patachimbika

 

[nickbutt]

dua tu haya yote yasitokee

 

[Bavaria]

Me najua kwa Stanbic, Barclays,Fbme na Standard charter niliziona tarrif zao zinaonyesha charges ila siwezi kumbuka zote thats y ukitembelea sehemu husika utapata more detail... Ila hizi local nyingi hawawi wakweli kuonyesha makato yao halisi na wabongo ni waoga kwa hizo za nje kwa hofu ya makato wakati kiuendeshaji wa account ni cheap kuliko local bank coz hao wana monthly charges tu.

Hapo sawa.

Asante

 

[bategereza]

wewe pesa zako ni bilioni?kama milioni mia weka ndani tu.wakinga sikuhizi wanaweka bank ndugu wahindi wanabank zao.uwe na ushaidi.

Tumia akili waqt mwingine. Wakinga hawasubiri mpaka ifike bilioni. Ikifika milioni mia mbili ananunua kkiwanja kesh Kariakoo au ilala au Buguruni au Mantheysay. anadunduliza tena ikifika milioni mia anaanza msingi . hivyo hivyo mpaka gorofa inafika kileleni. hakuna mtu anaeweza kukaa na bilioni mbili ndani. Mkinga hataki sijui cheki sijui money transfer sijui bank charges. Hela yake mwenyewe imsumbue ???!"!?

 

[Maboso]

mkuu nadhani karibia kila mtu anajua kwamba benki kuna package tofauti ila wengi account ambayo ni practical ni savings account ili hata akipata shida au deal fulani aweze kuzitoa na kutumia. Sasa basi kwa benki kumkata mtu pesa yake kwenye savings wakati kazi ya benki ni kukopesha / kuzalisha pesa za watu ni wizi wa mchana kweupe sababu pesa za watu zinazungushwa kwanini mtu akatwe pesa hio service charge inatoka wapi kama sio wizi?

Practically pesa za saving account hazikopeshwi kwa sababu zile muda wowote mteja/mwenye pesa anaweza kuhitaji kuzichukua muda wowote akizihitaji. Pesa zinazokopeshwa ni za fixed/time deposit na ndio maana mwenye fedha hupata riba au faida na hana makato yoyote.

 

[Logikos]

Practically pesa za saving account hazikopeshwi kwa sababu zile muda wowote mteja/mwenye pesa anaweza kuhitaji kuzichukua muda wowote akizihitaji. Pesa zinazokopeshwa ni za fixed/time deposit na ndio maana mwenye fedha hupata riba au faida na hana makato yoyote.

Mkuu ndio maana nikaanza kwa kusema Benki za Tanzania ni Wezi sababu nimekaa England na Benki Zote HSBC; TSB, Barclays n.k. kwenye savings mtu ulikuwa unapata riba kila mwezi hata kama ni 0.0000001 % kwahio pesa unayoweka kwenye account yako Benki sio kwamba wanaiweka tu kwenye safe mpaka ukia kuichukua.., sababu wateja ni wengi on average siku mtu akija kuchukua mwingine anaweka sio watu wote wanaweka na kutoa siku moja na hesabu ya kutoa riba wanaweza wakafanya ni siku ngapi pesa yako imekaa Benki na wanakupa riba kutokana na siku pesa ilivyokaa sababu pesa yako imesaidia katika cashflow ya Benki. Kwahio narudia kukata watu kwenye Savings Account pesa ni wizi wa mchana kweupe

 

[qn of sheba]

Mkuu ndio maana nikaanza kwa kusema Benki za Tanzania ni Wezi sababu nimekaa England na Benki Zote HSBC; TSB, Barclays n.k. kwenye savings mtu ulikuwa unapata riba kila mwezi hata kama ni 0.0000001 % kwahio pesa unayoweka kwenye account yako Benki sio kwamba wanaiweka tu kwenye safe mpaka ukia kuichukua.., sababu wateja ni wengi on average siku mtu akija kuchukua mwingine anaweka sio watu wote wanaweka na kutoa siku moja na hesabu ya kutoa riba wanaweza wakafanya ni siku ngapi pesa yako imekaa Benki na wanakupa riba kutokana na siku pesa ilivyokaa sababu pesa yako imesaidia katika cashflow ya Benki. Kwahio narudia kukata watu kwenye Savings Account pesa ni wizi wa mchana kweupe

Barclays hata Tz saving hazikatwi only zikiwa above 200k except instant saving account ambayo naoperate kama current acc...

Na saving interest yake inakuwa kila baada ya miezi mitatu, ukiwa na pesa nyingi ndivyo interest inaongezeka...

 

[UNLOCK]

Kuhusu kufilisika B.O.T inachukuwa jukumu hilo coz mabenk yte ya biashara lazima yawe na account B.O.T na kuna limit katika mtaji wao uliopo B.O.T so ondoa shaka kwa hilo

Good answer.

 

[SHOOyaKIBABE]

Soma vizuri ni bank za kimataifa Stanbic,Standard charter, Barclays n.k hizo bank zenu za waalimu nmb sijui mtajua wenyewe na wanaiba vizuri maana hawasemi ukweli kuhusu makato yao.. Nilisha ziacha muda sasa

eti ni kiasi gani kinahitajika kufungulia account pale Stanbic? nahitaji kujiunga nao

 

[Bulesi]

Kuna benki kama tatu ; Greenland, Meridian Biao na Trust Bank hizi zilifilisika Idris Rashid akiwa gavana! Hivi sasa ana benki na majumba ya kifahali. Hii ndio Bongo

 

[mchapafito]

ndugu HII AINA YA MIKATABA KAMA YA BIMA,BANK BAINA YA MTEJA NA BANKI NI STANDARD CONTRACT YAANI WEWE UNAAMUA KUKUBALI AU LA.UNAPOPEWA FOMU ILE NI OFFER YA MKATABA,UKIJAZA NA KURUDISHA NA KUSAINI BASI UNAKUWA MKATABA SASA YAANI OFFER+AGREEMENT.
KUHUSU USALAMA WA PESA ZAKO KUNA MFUKO WA BIMA ZA MABENKI,PIA KUNA MFUKO BOT UNAOSHUGULIKIA KWAMBA KUNA MINIMUM BALANCE INAWEKWA BOT ,NA BOT NDIO WANAOPERATE KILA KITU NA MABENKI NDIO WANAWEKA HELA KULE .INAMAANA BANKI IKIFILISIKA BASI KUNA INSURANCE ALAFU KUNA PROCEDURE ZA KUFILISI ILI WAWEZE KULIPA MADENI YA NJE NA NDANI..WANAHISA KAZI KWAO SASA...
NDOJA WENGINE WATOE MAONI ZAIDI

nakuonaga jukwaa la elimu nikawa nakuchukulia poa.....aisee upo vizuri upstairs

 

[SirChief]

NAOMBA NA MIMI NITOE UTAALAM KIDOGO KATIKA HILI..
Kwanza nianze na uhusiano kti ya benki na mteja..Benki na mteja wana uhusiani kitaalam tunaita trustee-beneficiary relationship ambapo mteja anaiamin benk kwa kuweka pesa zake akiwa na iman kwamba zitakua safe na akizitak wakat wowote atazipata.Ndio maana hata wakat wa kufungua account mteja anapewa karatas azisome na asign kama mkatab wenu,lakin unasign tu na kuzirudisha bila kusoma,sabab ni kwamba una imani na benki..

Kuhusu charges,hii hutegemea na aina ya account ambayo mteja anamiliki.Account yenye makato ni acaunt ya biashara(current a/c) ambapo huwa kuna monthly a/c charges pamoja na ATM charges,sabab ya haya makato ni kutokan na nature ya hii akaunt,yaan mteja anaweka fedha na anaweza kuja kchukua wakati wowote akipenda(pay upon demand).so charges izo znatokana na iyo huduma.
kuna acount zenye kulipa riba kama saving na fixed deposit na hazina charges

 

[SirChief]

NAOMBA NA MIMI NITOE UTAALAM KIDOGO KATIKA HILI..
Kwanza nianze na uhusiano kti ya benki na mteja..Benki na mteja wana uhusiani kitaalam tunaita trustee-beneficiary relationship ambapo mteja anaiamin benk kwa kuweka pesa zake akiwa na iman kwamba zitakua safe na akizitak wakat wowote atazipata.Ndio maana hata wakat wa kufungua account mteja anapewa karatas azisome na asign kama mkatab wenu,lakin unasign tu na kuzirudisha bila kusoma,sabab ni kwamba una imani na benki..

Kuhusu charges,hii hutegemea na aina ya account ambayo mteja anamiliki.Account yenye makato ni acaunt ya biashara(current a/c) ambapo huwa kuna monthly a/c charges pamoja na ATM charges,sabab ya haya makato ni kutokan na nature ya hii akaunt,yaan mteja anaweka fedha na anaweza kuja kchukua wakati wowote akipenda(pay upon demand).so charges izo znatokana na iyo huduma.
kuna acount zenye kulipa riba kama saving na fixed deposit na hazina charges

Ngepend kuandika zaidi lakin kamchina kangu kanazungua..

 

[AfricaUnited]

nakuonaga jukwaa la elimu nikawa nakuchukulia poa.....aisee upo vizuri upstairs

mm,jukwaa la limu nakuwepo sawa kule,ubaya kule wachangiaji wazuri wamepotea,rudini jukwaani basi wakuu .thanks

 

[jerrytz]

If you know how banks work, you know that when you fork over your paycheck, the money doesn't just gather dust in a vault waiting for you to come back and get it. Banks aren't babysitters for your funds -- they take the money you deposit and try to make more money with it, which inevitably involves risk. But if all goes well, they only make smart risks. To make a profit, banks invest money and lend it out to people and charge interest on the loans.

 

[jerrytz]

Kwa Tanzania wanasema BOT is the Banker of all other Banks. Sijui ni kwa kiwango gani wana uwezo wa kutambua hali za kiuchumi za benki walizosijali kwa kuzingatia utendaji wenye mashaka wa maofisa wengi nchini Tanzania.

Ila kwa nchi kama Marekani wao wana kitu inaitwa Federal Deposit Insurance Corporation (FDIC) kwa wale waliowahi kuishi Marekani na kutembelea kwenye Bank bila shaka wameshakutana na Sticker yenye maneno hayo. Hii ni insurance inayoendeshwa na Serikali ambayo ina cover watu wote wenye account katika benki nchini Marekani, ni bure na automatic, ukiwa mteja wa benki basi moja kwa moja upo covered.

Wao wana option mbili, moja kuhamisha account za wateja kwenda benki nyingine au kurudishiwa fedha yako, mfano mzuri ni wakati wa Mdororo wa kiuchumi 2008 ambapo benki kadhaa zilifilisika nchini Marekani lakini akiba za wateja zilikuwa salama kabisa.

Turudi Tanganyika sasa, mara nyingi nimekuwa nikisikia BOT ikihakikishia wateja wa benki kuwa hata itakapotokea benki kufilisika basi fedha zao zipo salama. ijawahi kuona sera ama sheria inayo-govern hili swala, naamini ipo ila haipo wazi kwa wateja. Ni nani anayejua kuwa benki ikifilisika ama kufutwa atafuata hatua gani ili kuhakikisha kuwa anapata akiba yake?!

Sina mashaka na usalama wa fedha, ila nina mashaka ya mchakato mzima tangu Benki itakapotangaza kufilisika/kufutwa/kufilisiwa na muda utakaotumia kupata hiyo akiba yako.

Uzoefu wa Benki moja iliyofilisika hapa nchini unaonyesha itakubidi kusubiri muda mrefu sana mpaka hapo BOT itakapokamilisha taratibu za malipo.

Asante mdau kwa tafakari.

 

[Arien]

Boss hivi sheria zetu zinaruhusu kuwa na offshore accounts??

[h=1]How to Open a Bank Account in the Cayman Islands[/h] Understand the General Information and RequirementsUse Your Offshore Bank Account
Edited by Billyfitz, Julia Maureen, Tom Viren, Maluniu and 27 others
Banks in the Cayman Islands offer a range of accounts to suit your needs. You can contact a Cayman bank via the internet to arrange a confidential consultation to discuss your needs, whether you would like an offshore bank account, investment fund account, or the highly prestigious private bank account, Cayman banking can provide an account ideally suited to your business and private needs.

[h=3]Part 1 of 2: Understand the General Information and Requirements[/h]

• 
  1
  Understand tax laws in your country. Know the penalties and jail terms for avoiding local tax obligations through the use of offshore banking. If you are taxed on worldwide income, it is illegal to not report proceeds earned in an offshore bank/investment account, even though there may be no added tax from that country.
  • If your intention in setting up an offshore account in the Cayman Islands is to skirt tax laws, you cannot do so lawfully. If you are caught skirting tax laws by depositing money into an offshore account, you may face a variety of civil and criminal penalties, including forfeiture of money and possible imprisonment.[SUP][1][/SUP]
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• 
  2
  Understand the differences between an offshore account and an investment account. Having a bank account and an investment account are two different things, each having distinct tax implications.
  • Offshore bank accounts are administered by banks and offer traditional services associated with holding a bank account: spending, receiving, and transferring funds, along with earning some forms of interest.[SUP][2][/SUP] If you just want to hold money in an offshore account, a bank account is probably your way to go.
  • Offshore investment accounts are administered by investors and can hold money in different currencies, as well as stocks, bonds, and mutual funds.[SUP][2][/SUP] They provide greater flexibility than bank accounts, but may come with higher fees. If you want to hold assets in addition to cash overseas, an investment account may be your best bet.
• 
  3
  Realize that you don't need to go to the Cayman Islands to open the account. Accounts can be opened by mail, precluding the need for you to visit Cayman in order to open an account. Additionally a number of services such as internet banking, mail retaining, credit cards and investment options can be set up on these accounts.
• 
  4
  Find a Cayman Islands bank with competitive rates. You can use the internet or write to your local British embassy for a list of Cayman Islands Banks.

 

[Ok9]

Kazi ya benki kwangu.....
1 kuchukulia mshahara
2 kutuma Pesa nyingi.