Ushauri kuhusu jijenge loan - CRDB

Zanzibar-ASP said:

Kabla ya kuamua huo mkopo, fikiri kwanza kuhusu haya.

1/Gharama halisi ya kuweza kujenga (Lengo ni kuepusha kuchukua mkopo usiolingana na mahitaji yako ya kujenga, ama mkopo uwe mdogo au mkubwa kuliko mahitaji yako.)

2/Dhumuni la kujenga hiyo nyumba. (Je unajenga kibiashara? Je unajenga ili kuweza kuishi? Je unajenga kama asset muhimu ya kuja kukulinda kimaisha huko mbeleni?)
Lolote katika hilo ni muhimu, ila usahihi ni vile unaunavyoliangalia kwa mtazamo wako. Kwa mfano, kama kwa sasa unaishi kwenye nyumba ya kupanga na unalipa kodi isiyopungua laki moja kwa mwezi, ukiamua kuchukua mkopo ili kujenga na ukakatwa kiasi cha shilingi laki tatu kila mwezi, hapo utakuwa Sahihi kabisa, maana utakuwa unaokoa pesa za kulipa kodi kwa kumiliki nyumba yako kwa wastani wa theluthi moja. Hiyo ni faida kubwa sana kiuchumi.

Yote kwa yote, kijana aliyeajiriwa akiwaza kukopa ili kujenga basi ujue huyo ana upeo mkubwa sana wa kuwaza kimaisha(Yaani kuwa na familia, kuwekeza, Akiba, kutulia nk), maana vijana wengi wenye upeo mdogo hukimbilia kukopa ili kununua magari unnecessary na kuishia 'kuzurura' kimaisha huku umri ukiendelea kuwakata taratibu na fainali huishia kutaabika. Na wapo wengine hukopa ili kuoa au kufanya harusi, huo nao ni ujinga tu.

Mwisho kabisa, Nyumba ni Asset ya kudumu, thamani yake huongezeka kila siku, na soko lake ukitaka kuuza lipo nje nje. Hivyo kujenga ni kutengeneza faida kimaisha.

All the best.

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de play boy said:

mkuu jitahidi usave kwanza atleast nusu ya gharama za ujenzi af io nyingine ndo ukope

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SNAP J said:

Sikushauri, unless kama unahenga yumba ya kupanga that's fine.

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Zanzibar-ASP said:

Kabla ya kuamua huo mkopo, fikiri kwanza kuhusu haya.

1/Gharama halisi ya kuweza kujenga (Lengo ni kuepusha kuchukua mkopo usiolingana na mahitaji yako ya kujenga, ama mkopo uwe mdogo au mkubwa kuliko mahitaji yako.)

2/Dhumuni la kujenga hiyo nyumba. (Je unajenga kibiashara? Je unajenga ili kuweza kuishi? Je unajenga kama asset muhimu ya kuja kukulinda kimaisha huko mbeleni?)
Lolote katika hilo ni muhimu, ila usahihi ni vile unaunavyoliangalia kwa mtazamo wako. Kwa mfano, kama kwa sasa unaishi kwenye nyumba ya kupanga na unalipa kodi isiyopungua laki moja kwa mwezi, ukiamua kuchukua mkopo ili kujenga na ukakatwa kiasi cha shilingi laki tatu kila mwezi, hapo utakuwa Sahihi kabisa, maana utakuwa unaokoa pesa za kulipa kodi kwa kumiliki nyumba yako kwa wastani wa theluthi moja. Hiyo ni faida kubwa sana kiuchumi.

Yote kwa yote, kijana aliyeajiriwa akiwaza kukopa ili kujenga basi ujue huyo ana upeo mkubwa sana wa kuwaza kimaisha(Yaani kuwa na familia, kuwekeza, Akiba, kutulia nk), maana vijana wengi wenye upeo mdogo hukimbilia kukopa ili kununua magari unnecessary na kuishia 'kuzurura' kimaisha huku umri ukiendelea kuwakata taratibu na fainali huishia kutaabika. Na wapo wengine hukopa ili kuoa au kufanya harusi, huo nao ni ujinga tu.

Mwisho kabisa, Nyumba ni Asset ya kudumu, thamani yake huongezeka kila siku, na soko lake ukitaka kuuza lipo nje nje. Hivyo kujenga ni kutengeneza faida kimaisha.

All the best.

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City owl said:

You would rather save and start a business before you think of getting a loan for a house.
24 is pretty young.
Start early.

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mutu murefu said:

Thanks for your advice and constructive criticism, but considering the nature of my job, it will be a bit difficult to run a business! Because in most cases i am so busy with work and i return home very late everyday!

What can i do mate?

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mutu murefu said:

Thanks for your advice and constructive criticism, but considering the nature of my job, it will be a bit difficult to run a business! Because in most cases i am so busy with work and i return home very late everyday!

What can i do mate?

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niachiemimi said:

Biashara zipo za aina nyingi mkuu. Fikiria zaidi. Sio lazima ufanye biashara ya nikupe fedha unipe bidhaa.

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City owl said:

Save some money while finding a mean to invest.
You don't need to be there physically. You might hire someone to work for you. The idea is having an extra revenue stream to back you up when the bank makatos start looking ugly.
You really need a plan.

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Mwanambee said:

fikiria zaidi bro mi nadhani tathimini mradi mzuri (nyumba si mmojawapo unless unaanda urithi tu) then ufadhili kwa kufanya savings sio kukopa

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