Flat rate unakatwa kama kawaida haina cha kupungua mwanzo mwisho pesa ile ile
Flat rate unakatwa kama kawaida haina cha kupungua mwanzo mwisho pesa ile ileKwaiyo ushauri wako au methods ipi nzuri kati FLAT rate au reducing balance?
Chief punguza chuki na ukada uliopitiliza. Una mkopo wa benki wewe? Maana pengine ungeona cha kujadili kuliko hizo hadithi zenu za kudumu ambazo tungo hubadilika kulingana na aliye madarakani!Na kweli tunaye mungu-mtu...yeye ndiye Katiba, yeye ndiye Bunge na yeye ndiye Mahakama. Kuna siku ataamua mvua inyeshe au isinyeshe, mwanga uwepo au usiwepo, upepo uvume au usivume...
Mimi nashauri JF waweke sticky thread maalum kwa ajili ya pongezi kwa Magufuli ili wapenda kupongeza muwe mnajimwaga huko 24 hours kupongeza.
Ni upuuzi kudhani kila mtu ana akili ndogo kama yako.
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[emoji16] [emoji16] Hapa sitii neno.Chief punguza chuki na ukada uliopitiliza. Una mkopo wa benki wewe? Maana pengine ungeona cha kujadili kuliko hizo hadithi zenu za kudumu ambazo tungo hubadilika kulingana na aliye madarakani!
Chief punguza chuki na ukada uliopitiliza. Una mkopo wa benki wewe? Maana pengine ungeona cha kujadili kuliko hizo hadithi zenu za kudumu ambazo tungo hubadilika kulingana na aliye madarakani!
Hakuna lolote la kumpongeza Rais na Serikali kwenye hili jambo..
Ni maagizo mangapi yanatolewa na Rais au Serikali kwa Taasisi au makundi ya watu mbalimbali na HAYATEKELEZWI..??
Mfano bei ya sukari, mbona maagizo kibao yameshatolewa kwa bidhaa hii bei iwe sio zaidi ya 2200/kg na mbona ipo juu zaidi mpaka 3000/kg??
Ni hivi. .
Mabenki wameona hali halisi ya Uchumi ulivyo ndio maana yameamua kushusha viwango vya RIBA kwenye mikopo.
Banks zinajiendesha kwa faida kupitia MIKOPO na si zaidi ya hapo..
Wameona kuendelea kung'ang'ania riba kubwa za 25%+ kwa hali ya Uchumi uliodorora wa Tanzania, Benki zitakuja ku collapse kabisa..
Hali ya Benki nyingi ni mbaya..mbaya kweli kweli na they had no alternative except kupunguza riba kwa wakopaji..
Kushuka kwa Riba za Banks ni " Economic Variables" ndio main determinant factor na sio maombi ya Rais au BOT.
Toa sifa panapostahili na sio kusifia UONGO, eti juhudi za Mh Rais..
NO.
Peleka ULumumba wako huko. Hoja yako ni nzuri tatizo umeingiza siasa. Rais hana mamlaka ya kuzipangia benki riba... wadanganye wenzako CCM, not others! Rais anajua operating costs za mabenki? acha kumpamba!
Hiyo Kitu hatari sana...! Hiyo ni 17%, bado commission fee,...na vurugu nyingine...ukija kupiga majumuisho ela utakayo lipa ni karibu asilimia 51.5.CRDB yapunguza riba, yaongeza muda wa marejesho
Riba ya 17% bado ni ya juu mno! Na kuongeza muda monthly payments will be lower but at end you pay more interest amount.
Hiyo Kitu hatari sana...! Hiyo ni 17%, bado commission fee,...na vurugu nyingine...ukija kupiga majumuisho ela utakayo lipa ni karibu asilimia 51.5.
Mh kuuumbee [emoji848][emoji848][emoji848][emoji848]Loan interest calculation – Reducing Balance vs Flat Interest Rate
Here is my litle contribution, kuwa elimisha wa Tanzania wenzangu japo kwa kifupi: Ila nitatumia kingereza:
When it comes to comparing loans, the stated loan interest rate does not represent everything, and can in fact be deceiving. Aside from loan interest rates, how loan interest is calculated also plays a huge role in your cost of financing.
There are 2 common methods to calculate loan interest in today’s banking system:
Reducing balance method
Flat/Straight line interest rate method (a.k.a Simple Interest)
Reducing Balance Method
This method is mainly used to calculate the interest payable for housing / mortgage / property loans which you can find at ourhome loan comparison tool and other interest payable such as overdraft (OD) facilities, andcredit cards. You only pay interest on the remaining loan balance. A reducing balance interest calculation formula can be represented like this:
Interest Payable per Installment = Interest Rate per Installment * Remaining Loan Amount
The interest rates quoted for such loans are the Effective Interest Rate, which is the same as the interest rates used for Fixed Deposits (FD) and Savings Accounts.
Flat Interest Rate Method a.k.a Simple Interest
This method is mainly used to calculate the interest payable forpersonal loans and car / hire purchase loans. You pay interest on the entire loan balance throughout the duration of the loan. Flat interest rate calculation formula can be represented like this:
Interest Payable per Installment = (Original Loan Amount * No. of Years * Interest Rate p.a. ) / Number of Installments
This is less desirable for the borrower, because even as you pay down the loan, the interest payable does not decrease. If you have difficulty understanding why, consider what would happen if savings accounts used flat interest rate method.
If you put Tsh.1,200 at 10% p.a. in a savings account and withdraw Tsh.100 every month, the bank would still be paying you Tsh.10 in interest every month even though your principal balance would have reduced to only Tsh.100 by Month 12. How cool is that?
As a rule, flat interest rates range from 1.7-1.9x more when converted into the Effective Interest Rate equivalent. That is the true measure of your cost of financing. You can calculate it yourself, or you can use this Flat to Effective Interest Rate Converter that we've provided for your convenience. Once you've calculated that, you might be intereted in reading our article on Top Tips On How To Pay Back Your Personal Loan to learn the various ways in which you can repay your debt!
Conclusion
When considering a loan product, it is always important to know if it is using the Reducing Balance Method of interest calculation or Flat Interest Rate method. And the best way to compare the true cost of the loan is to convert everything into the Effective Interest Rate equivalent.
Usiki mwema ndugu zangu.
Umesifia kabla hujasoma mchangiaji matola alivyokuja na uhakikisho wake toka bank ya Akiba. Wanapunguza wafanyakazi kutokana na hasara na misukosuko waliyo nayo kibank. Je hili nalo tusifie?Mleta mda Najua Upo Vema kwenye mambo ya Uhasibu na Uchumi....hongera sana sana
Natamani Serikali Ilifanyie haraka hili Tangazo,Hoja yako hasa Kutumia Formula/Kikokotozi/Mfumo wa Aina moja kwa mabank ambayo ni Reducing Balance ili kuleta Unafuu kwa Mkopaji....ikiwezekana Hili Suala lianze Mapema/Haraka Iwezekanavyo!
Big up MTAZAMO!
Mi sijaelewa anauaje, maana naskia anajenga viwanda na kunnua bombadia na kutengeneza barabara na treni na vitu viiiiingi sasa anauaje au kuna ishu anafanya nyuma ya paziaKuunga mkono juhudi za "Mheshimiwa" Rais. We have become slaves in our own country. The man is simply killing the economy. And yet, some people do find words to applaud him.
Banks are simply devising surviving strategies.
Akiba si benki km NBC au, maana NBC inajivunia imeongeza faida je nayo tuiponde?Umesifia kabla hujasoma mchangiaji matola alivyokuja na uhakikisho wake toka bank ya Akiba. Wanapunguza wafanyakazi kutokana na hasara na misukosuko waliyo nayo kibank. Je hili nalo tusifie?
Wameleta vielelezo vyao umeviona au kwa vile kuna mkono wa nchi ndo wanasema hivyo? Kwanini basi haikopeshi serikali kulipa wafanyakazi wake mafao yao na increments wanazodai?Akiba si benki km NBC au, maana NBC inajivunia imeongeza faida Mje nayo tuiponde?
NMB on the other hand hawajaongeza faida yoyote na ni ya serikali, je hapo imekaajeWameleta vielelezo vyao umeviona au kwa vile kuna mkono wa nchi ndo wanasema hivyo? Kwanini basi haikopeshi serikali kulipa wafanyakazi wake mafao yao na increments wanazodai?
Mkuu, uchumi wa nchi ni kitu Kikubwa au vitu vingi kwa wakati mmoja. Unaweza kujenga SGR ukaja kukosa wa kupanda au kubeba mizigo!Mi sijaelewa anauaje, maana naskia anajenga viwanda na kunnua bombadia na kutengeneza barabara na treni na vitu viiiiingi sasa anauaje au kuna ishu anafanya nyuma ya pazia
Kenyan sio benchmark, labda tuanzie rwanda palee uchumi haukui fasta fasta nadhan hata wamagharibi walianza kujifunga mkanda na kuchukua watumwa wakaijenge nchi yao, so nadhani kwa upeo wangu ngoja tuone haya maujenzi yanayofanyika yatanufaisha maana sidhan km barabara ya hapa hadi egypt ile haina tijaMkuu, uchumi wa nchi ni kitu Kikubwa au vitu vingi kwa wakati mmoja. Unaweza kujenga SGR ukaja kukosa wa kupanda au kubeba mizigo!
Yameanza kuonekana Kenya. Wanalazimishwa kutumia SGR kasafirisha mizigo.
Jamaa ana very narrow definition ya uchumi.