Benki ipi ina fixed term deposit interest rate kubwa?

Salaam!

Kuna anayejua ni bank gani Tanzania ina interest rate kubwa kuliko zote kwa fixed term deposit? Nina kama million thelathini hivi na sina mpango wa kufanya biashara ila nataka niziweke kwenye fixed account kwa muda wa mwaka mmoja ama miezi sita. Nimejaribu kuangalia information mtandaoni bila mafanikio -nipo nje ya nchi kwa sasa.

Tafadhali toa ezoefu wako kwenye maswala ya fixed accounts Tanzania - vitu gani huwa ni mitego ya bank kwa wateja wa fixed accounts?

Kuna mwenye mawazo mbadala -yaani kwa mtu mwenye Tzs30,000,000 ambaye yupo nje ya nchi anaweza kuwekeza kwenye nini na akapata faida?

natanguliza shukrani

Bank ya Damu - Ilala

moja ya benki yenye fixed rate kubwa ya asilimia 10-12 ni standard chartered, baclays bank na sasa kuna finca bank.

The Fixer said:

Bank ya Damu - Ilala

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Unajua nnaweza nikakaa nikawa niko upset kupita kiasi ikawa sina raha hata kidogo sina tabasam wala furaha usoni mwangu lakini nikifungua na kuingia JF kwa kweli huwa najiskia furaha hata bila ya kujua kuwa imetokea wapi najiskia nikicheka mpaka basi.

Utakuta mtu yuko serious kabisa akitegemea majibu mazuri toka kwa watu wenye hekma na busara kabisa then kinachotokea hata mtoa mada mwenyewe anaweza akajikuta baada ya kukasirika ikawa anacheka tu kwa kweli.

AMA KWELI THIS IS JF.

kayimukaa said:

moja ya benki yenye fixed rate kubwa ya asilimia 10-12 ni standard chartered, baclays bank na sasa kuna finca bank.

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Asante sana kwa taarifa Kayimukaa!

Bank ya Posta wana rate nzur sana

Rate nyingi za benki kwenye fixed ni kati ya 4%-5.5% (kutegemea na kiasi cha pesa unachoweka)rate nyingi zimeshuka ktk benki mbalimbali kutokana na sarafu yetu kushuka hiyo aliyosema bwana kayimukaa 10% ni nzuri sanaaa kama ni kweli

pinno said:

Bank ya Posta wana rate nzur sana

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Mkuu una-details za rate zao, naona kwenye mtandao hawajaweka wazi rate zao

pinno said:

Bank ya Posta wana rate nzur sana

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Rate nzuri inaanzia ngapi

Nasita kukushauri kwa maana nahisi unatania.

lucky sabasaba said:

Rate nyingi za benki kwenye fixed ni kati ya 4%-5.5% (kutegemea na kiasi cha pesa unachoweka)rate nyingi zimeshuka ktk benki mbalimbali kutokana na sarafu yetu kushuka hiyo aliyosema bwana kayimukaa 10% ni nzuri sanaaa kama ni kweli

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Asante mkuu kwa info

lucky sabasaba said:

Rate nyingi za benki kwenye fixed ni kati ya 4%-5.5% (kutegemea na kiasi cha pesa unachoweka)rate nyingi zimeshuka ktk benki mbalimbali kutokana na sarafu yetu kushuka hiyo aliyosema bwana kayimukaa 10% ni nzuri sanaaa kama ni kweli

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Hiyo rate ya kuanzia 10% kwa posta bank ni kuanzia deposit ya 100m

Niliona tangazo la benki ya posta kwenye gazeti ilikuwa inaonyesha 10% kwa mwezi mmoja na inaongezeka kulingana na pesa yako itakaa muda wa miezi mingapi kwa mwaka. Unaweza kutembelea benki ya posta kwa ufafanuzi zaidi

Kikuyumbo said:

Hiyo rate ya kuanzia 10% kwa posta bank ni kuanzia deposit ya 100m

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aisee km ni hvyo hii biashara ya fixed inalipa sana mana km una weka mil 100 ina mana kila mwez unaingiza mil 10

lucky sabasaba said:

Rate nyingi za benki kwenye fixed ni kati ya 4%-5.5% (kutegemea na kiasi cha pesa unachoweka)rate nyingi zimeshuka ktk benki mbalimbali kutokana na sarafu yetu kushuka hiyo aliyosema bwana kayimukaa 10% ni nzuri sanaaa kama ni kweli

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Ni kweli kuna banks zina rate nzuri na za kuvutia but please remember most of these banks have very high risk profiles. You may need to balance return and risk. Kabla ya kuweka fedha zako kwenye benki yeyote kama savings au investment please take time to undertake some basic assessments eg profitability ya hiyo benki, level of non performing loans, capital, liquidity. Most of these information are available in audited financial statements which are always uploaded in banks Webb sites or quarterly publication in news papers.

In short ushauri wangu ni kwamba usivutiwe tuu na rate kubwa

Larkin said:

Ni kweli kuna banks zina rate nzuri na za kuvutia but please remember most of these banks have very high risk profiles. You may need to balance return and risk. Kabla ya kuweka fedha zako kwenye benki yeyote kama savings au investment please take time to undertake some basic assessments eg profitability ya hiyo benki, level of non performing loans, capital, liquidity. Most of these information are available in audited financial statements which are always uploaded in banks Webb sites or quarterly publication in news papers.

In short ushauri wangu ni kwamba usivutiwe tuu na rate kubwa

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Mkuu ume-analse vizuri sana tena kiuhasibu zaidi i bet the man got u.

Manyovu said:

Niliona tangazo la benki ya posta kwenye gazeti ilikuwa inaonyesha 10% kwa mwezi mmoja na inaongezeka kulingana na pesa yako itakaa muda wa miezi mingapi kwa mwaka. Unaweza kutembelea benki ya posta kwa ufafanuzi zaidi

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Hakuna kitu kama hiko duniani.

Larkin said:

Ni kweli kuna banks zina rate nzuri na za kuvutia but please remember most of these banks have very high risk profiles. You may need to balance return and risk. Kabla ya kuweka fedha zako kwenye benki yeyote kama savings au investment please take time to undertake some basic assessments eg profitability ya hiyo benki, level of non performing loans, capital, liquidity. Most of these information are available in audited financial statements which are always uploaded in banks Webb sites or quarterly publication in news papers.

In short ushauri wangu ni kwamba usivutiwe tuu na rate kubwa

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Fixed term deposits ni low risk investments ndo maana rate yake iko chini,hizo factor ulizotaja zinahusikaje na fixed deposits? Naona hizo ni kama za mtu anaetaka kununua hisa.

Kikuyumbo said:

Hiyo rate ya kuanzia 10% kwa posta bank ni kuanzia deposit ya 100m

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Daa! 100m parefu kweli, asante hata hivyo kwa info, itabidi niwatafute hawa waheshimiwa wa Benki ya Posta

Larkin said:

Ni kweli kuna banks zina rate nzuri na za kuvutia but please remember most of these banks have very high risk profiles. You may need to balance return and risk. Kabla ya kuweka fedha zako kwenye benki yeyote kama savings au investment please take time to undertake some basic assessments eg profitability ya hiyo benki, level of non performing loans, capital, liquidity. Most of these information are available in audited financial statements which are always uploaded in banks Webb sites or quarterly publication in news papers.

In short ushauri wangu ni kwamba usivutiwe tuu na rate kubwa

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Mkuu asante kwa kutaketrouble kushare nasi hiyo tahadhari ya kuchukua. But to be honest I am not that good in finance, banking and stuff, would you please do an extra mile to conduct a small research and share your findings with us?