Benki ipi ina fixed term deposit interest rate kubwa?

[dingi1]

Nikopeshe hata mil moja tu mkuu

 

[Natania]

Nikopeshe hata mil moja tu mkuu

Mkuu, tuombeane heri, zikizaa nitakupa kidogo, kukopesha nilishaacha kwani ni shida kudai -watu hawarudishi mkopo na hiyo inafanya hata wale wenye nia njema ya kukopa na kurudisha wasipate mikopo toka kwa watu binafsi.

 

[Econometrician]

bank nyingi za Tanzania rate zake zinaendana,ni kati ya 3.5%-6.5% kwa mwaka na hapo bado inakuwa kodi haijakwata.kwa tanzania bank yenye uhafadhali na nzuri standard chartered.

 

[Consultant]

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

Really?. Zile rate ni PER ANNUM. Hiyo million kumi utaipata baada ya miezi 12!

 

[Kang]

Kwa kiasi hiko FNB watakupa 8.75% per year. Cheki https://www.jamiiforums.com/jukwaa-la-biashara-na-uchumi/856232-hisa-au-fixed-account.html

 

[Larkin]

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.

Hisa na fixed deposits zote ni investments. Usiweke fedha zako kwenye benki ambayo itakufa kesho ukaanza kushinda twin towers (BOT) kutaka urejeshewe pesa zako wakati uliweka mwenyewe. Fixed depost ni low risk kwa wewe mwekezaji lakini unaweza kuweka hiyo deposit yako kwenye benki ambayo ni high risk mwisho wa siku usipate hela yako. La msingi ni kujua kuwa benki kama biashara nyingine yeyote inaweza kufa/kufilisika

 

[Ngwananzengo]

Uko nje ya nchi kweli au ni "swaga"? Kama upo nje ya nchi nunua dollar ukae nazo hadi mwezi wa January mwaka 2016. Ikifika January badilisha dollar kuwa Tsh kisha nunua hisa au vipande vya UTT. Ukiihitaji pesa yako unauza vipande au hisa ulizonunua.
Nimetoa ushauri huu kwa sababu katika nchi za dunia ya tatu kipindi cha uchaguzi pesa hushuka thamani hivyo kufikia January 2016 huenda dollar 1 ikawa Tsh 3000. Kwa maana hiyo ukiuza dollar utakuwa umepata faida lakini mwezi January Mara nyingi hisa nyingi hushuka thamani sababu watu wengi huingiza hisa sokoni kwa lengo la kuuza ili kupata pesa za kupeleka watoto Shule na kufidia kile walichotumia kwenye "Bata" za Christmas na mwaka mpya.

 

[Kang]

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

Hizi rate zote ni kwa mwaka, pia kuweni waangalifu na kanunimza kotoa pesa zako unapozihitaji, inaitwa fixed deposit kwa sababu unakuwa hauwezi kuzitoa hela zako kiholela kama account ya kawaida inabidi utoe notice kutokana na makubaliano yenu au wanakucharge fine ya kutoa pesa mapema. Kwa mfano FNB inabidi utqoe notice ya 7 days kuweza kutoa hela bila fine.

 

[Kisima]

Mkuu huko kwenye Fixed A/c hakuna faida kubwa compared na Unit Trust of Tanzania(UTT) Nakushauri sana kabla hujaamua kuweka hela yako jaribu kuzitembelea taasisi zote mbili inaweza kuwa msaada kwako ktk kuamua wapi panafaa kuwekeza.
Nina uzoefu kidogo na Fixed Account, kiukweli isn't that much profitable to a customer especially kwa pesa ndogo kama hiyo.
Nenda UTT ndo uwekezaji mzuri.

 

[Kisima]

bank nyingi za Tanzania rate zake zinaendana,ni kati ya 3.5%-6.5% kwa mwaka na hapo bado inakuwa kodi haijakwata.kwa tanzania bank yenye uhafadhali na nzuri standard chartered.

Wote ni wale wale tu mkuu wangu. Standard Chartered wana charges zisizo na kichwa wala miguu. Halafu kwa mwekezaji asiyekuwa na shaka juu ya umiriki wa masuala ya pesa, fixed deposit ni uwekezaji wa kizamani sana!

 

[xuxu meyu]

Bank ya Damu - Ilala

Hahahaha

 

[Natania]

Uko nje ya nchi kweli au ni "swaga"? Kama upo nje ya nchi nunua dollar ukae nazo hadi mwezi wa January mwaka 2016. Ikifika January badilisha dollar kuwa Tsh kisha nunua hisa au vipande vya UTT. Ukiihitaji pesa yako unauza vipande au hisa ulizonunua.
Nimetoa ushauri huu kwa sababu katika nchi za dunia ya tatu kipindi cha uchaguzi pesa hushuka thamani hivyo kufikia January 2016 huenda dollar 1 ikawa Tsh 3000. Kwa maana hiyo ukiuza dollar utakuwa umepata faida lakini mwezi January Mara nyingi hisa nyingi hushuka thamani sababu watu wengi huingiza hisa sokoni kwa lengo la kuuza ili kupata pesa za kupeleka watoto Shule na kufidia kile walichotumia kwenye "Bata" za Christmas na mwaka mpya.

Mkuu hakuna swaga mimi nipo Australia ila fedha ipo Tanzania na ipo kwenye madafu! Hiyo UTT inahitaji uwepo wangu ama naweza kumtuma mtu akamaliza kila kitu?

 

[mugajamii]

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

The Art of Borrowing.
The rich people are serious borrowers. Borrowing money is their cup of tea and signature. If you have never borrowed money, you will never lend money and cant lend it if you don’t have it. A bank is a broker between the poor and the rich. The only place where the two meet is in a bank. The poor brings the money & the rich takes it. A poor person saves the money because they have more money than their thinking capacity. So they keep the money there so they can go and think what to do with it. Rich people come to pick that money because they have many ideas than the money they have. So they come to pick that money to go and implement those great ideas. Only poor people operate savings and fixed deposit accounts. (No disrespect). Fixed deposit accounts are for the living dead. People who undertake and commit that they will not think about any idea for that money until the expiry of that period of time, otherwise they will be penalized. Rich people operate current accounts. Therefore, a bank exists
purposely for 2 reasons:
A) For the poor to bring in the money
B) For the rich to come & take it away.
Banks make more money from borrowers than
savers. Hence they respect the former more. Be a borrower and not a saver.

 

[Natania]

The Art of Borrowing.
The rich people are serious borrowers. Borrowing money is their cup of tea and signature. If you have never borrowed money, you will never lend money and cant lend it if you don't have it. A bank is a broker between the poor and the rich. The only place where the two meet is in a bank. The poor brings the money & the rich takes it. A poor person saves the money because they have more money than their thinking capacity. So they keep the money there so they can go and think what to do with it. Rich people come to pick that money because they have many ideas than the money they have. So they come to pick that money to go and implement those great ideas. Only poor people operate savings and fixed deposit accounts. (No disrespect). Fixed deposit accounts are for the living dead. People who undertake and commit that they will not think about any idea for that money until the expiry of that period of time, otherwise they will be penalized. Rich people operate current accounts. Therefore, a bank exists
purposely for 2 reasons:
A) For the poor to bring in the money
B) For the rich to come & take it away.
Banks make more money from borrowers than
savers. Hence they respect the former more. Be a borrower and not a saver.

Thanks for sharing but as the title reads your paragraph is really about the art and not economics for it ignores the fact that even the rich people never became rich overnight! They also saved and used the same banks as the poor (not all) may be doing! It's all about planning and the vision one has!

 

[Replies]

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

Inawezekana kabisa ukawa unatania-nina ushahidi

 

[MZAWA JF]

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

mkuu sidhani kama ni rahisi namna hiyo, hiyo 10% labda uniambie kwa mwaka lakn kwa mwezi mmmhhhh! yaani ukiweka pesa kwa miezi kumi inazaa kiasi sawa na mtaji???? ngumu kuamini. labda kama hiyo benki inafanya biashara fulan haramu ndio inaweza kupata pesa ya kulipa interest kubwa hivyo

 

[Mwamba028]

The Art of Borrowing.
The rich people are serious borrowers. Borrowing money is their cup of tea and signature. If you have never borrowed money, you will never lend money and cant lend it if you don’t have it. A bank is a broker between the poor and the rich. The only place where the two meet is in a bank. The poor brings the money & the rich takes it. A poor person saves the money because they have more money than their thinking capacity. So they keep the money there so they can go and think what to do with it. Rich people come to pick that money because they have many ideas than the money they have. So they come to pick that money to go and implement those great ideas. Only poor people operate savings and fixed deposit accounts. (No disrespect). Fixed deposit accounts are for the living dead. People who undertake and commit that they will not think about any idea for that money until the expiry of that period of time, otherwise they will be penalized. Rich people operate current accounts. Therefore, a bank exists
purposely for 2 reasons:
A) For the poor to bring in the money
B) For the rich to come & take it away.
Banks make more money from borrowers than
savers. Hence they respect the former more. Be a borrower and not a saver.

kuna ukweli flani hapa aisee

 

[Camp 05]

wengi mko sahihi ila mimi mwenyewe niliwahi shitliwa na wadau,more especially kuhusu fixed deposit ila nimechukua miaka kibao kujaribu hadi jana baada ya kuona rates zinazidi kuwa na uvutiaji wa hali ya juu,kwa kiasi hicho kwa mwaka inaweza kuwa 7.5%hadi 8% bila kung'ata maneno.

 

[rich1]

finca bank

 

[Mpandisha mishahara]

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

rejea kwenye ID yako.