Kwa wahasibu wetu: Nyumba ni 'Asset' au 'Liability'?

Habdavi said:

wewe na mwenzio inaonyesha jinsi gani mlikuwa mnadesa mitihani yenu. Toka lini ASSET=LIABILITY??? Is that what you call an accountant?

Step up your game, ninyi ndio mnaovamia fani.

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sasa mbona hujaonyesha njia umeponda tu,huna lolote na wewe pia..

What is the meaning of ASSET AND LIABILITY?

Asset is the property of a person that can be taken by law for the settlement of debts or that forms part of a deed person's estate
WHILE

Liability is legal reponsibility for something especially costs or dameges.

So now you may continue to this debate

Nyumba inaweza kuwa asset au liability kutegemea na matumizi ya nyumba hiyo; simple formula ni kuwa ASSET IS SOMETHING THAT PUTS MONEY IN YOUR POCKET AND INCREASES IN VALUE - LIABILITY IS ANYTHING THAT TAKES MONEY OUT OF YOUR POCKET.

KIM KARDASH said:

sasa mbona hujaonyesha njia umeponda tu,huna lolote na wewe pia..

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okey kwakuwa umezoea kutafuniwa kila kitu, haya meza na hiyo!

ASSET=CAPITAL+LIABILITIES-DRAWINGS

Asset= money into your pocket

Liability= money out of your pocket

kim kardash said:

sasa mbona hujaonyesha njia umeponda tu,huna lolote na wewe pia..

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assets = equity + liabilities

..........du kumbe uhasibu nao ni mgumu,mie nilifikiri kazi yao ni kutunza pesa tu.

Dah...

mteteawanyonge said:

Wote mliotoa mawazo yenu, sioni Mhasibu hata mmoja. Wote nawaona kama si wachumi basi ni makarani wa wahasibu.

Nyumba yako ni MALI (ASSET), regardless umeipataje maadamu ni kwa njia halali.

1. Ukikopa pesa za kununulia nyumba, Liability ni lile deni unalodaiwa sio nyumba yako.
2. Ukikopa pesa na kuweka hati ya nyumba yako rehani, bado nyumba yako ni ASSET. Liability itakuwa ni hilo deni unalodaiwa.

Wahasibu watambue kuwa wakati wowote, ASSET IS EQUAL TO LIABILITY.

Thamani ya nyumba yako as ASSET is equal to Liability(vyanzo vya pesa ya kununulia hiyo nyumba)

Issue ya depreciation au appreciation have nothing to do with a house being an asset or not.

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Yes, this is exactly what I could have said. By the way, Accounting like any other profession it has it's own words/vocabulary which is already defined and accepted world wide. There's standard rules and principle that we follow to categories an item/transaction to assets, Liabilities and others like revenue, expenses etc. Hauitaji kutumia nguvu sana kusema kuwa hii ni asset or liability, you just need to know the principle. Nimeona watu wengi waliochangia wanatumia tu nguvu kusema kuwa house is an asset or liability, ambayo kwa akili yako unaweza ukawa unafikiria uko sawa, but if don't know the accounting principle that categories assets and liability then you can't say this is assets or liabilities kwa sababu assets and liabilities are purely accounting terms.

mteteawanyonge said:

Wote mliotoa mawazo yenu, sioni Mhasibu hata mmoja. Wote nawaona kama si wachumi basi ni makarani wa wahasibu.

Nyumba yako ni MALI (ASSET), regardless umeipataje maadamu ni kwa njia halali.

1. Ukikopa pesa za kununulia nyumba, Liability ni lile deni unalodaiwa sio nyumba yako.
2. Ukikopa pesa na kuweka hati ya nyumba yako rehani, bado nyumba yako ni ASSET. Liability itakuwa ni hilo deni unalodaiwa.

Wahasibu watambue kuwa wakati wowote, ASSET IS EQUAL TO LIABILITY.

Thamani ya nyumba yako as ASSET is equal to Liability(vyanzo vya pesa ya kununulia hiyo nyumba)

Issue ya depreciation au appreciation have nothing to do with a house being an asset or not.

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Mhasibu Mkuu naona kidogo kama kuna mchanganyiko,

Accounting Equation inasema kuwa Asset =Liability+Owners Equity
Kama Hamna Liability manake Asset = Owners Equity, Kwahiyo sio wakati wote Lazima Asset iwe sawa na liability labda kama Asset imekuwa Acquired na Liabilities.

Huu mjadala mzuri sana hasa unapowahusisha wahasibu/makarani wa uhasibu na wale ambai siyo wahasibu. Binafsi mimi siyo mhasibu na wala taaluma yangu haihusiani kabisa na mambo ya fedha au uhasibu. Ila katika elimu niliyoipata nilisoma pia somo la book keeping. NYUMBA ni ASSET. Unapotengeneza mizania ya hesabu (Balance sheet), property zote zitakuwa upande wa assets, bila kujali kuwa ina appreciate au depreciate. Thamani ya asset itazingatia depreciation rate au appreciation rate. Kama NYUMBA ilinunuliwa kwa mkopo au morgage, basi kitakacho tokea kwenye liability ni morgage value/loan value.

Sana sana, kama kuna gharama kama za ukarabati, matumizi ya umeme, n.k hizo ni costs/expenses na zinakuwa kwenye liability.

If you have negative equity in the house then that house is hardly an asset! It's a liability.

mteteawanyonge said:

Wote mliotoa mawazo yenu, sioni Mhasibu hata mmoja. Wote nawaona kama si wachumi basi ni makarani wa wahasibu.

Nyumba yako ni MALI (ASSET), regardless umeipataje maadamu ni kwa njia halali.

1. Ukikopa pesa za kununulia nyumba, Liability ni lile deni unalodaiwa sio nyumba yako.
2. Ukikopa pesa na kuweka hati ya nyumba yako rehani, bado nyumba yako ni ASSET. Liability itakuwa ni hilo deni unalodaiwa.

Wahasibu watambue kuwa wakati wowote, ASSET IS EQUAL TO LIABILITY.

Thamani ya nyumba yako as ASSET is equal to Liability(vyanzo vya pesa ya kununulia hiyo nyumba)

Issue ya depreciation au appreciation have nothing to do with a house being an asset or not.

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Sio kweli kuwa always asset is equal to liability mkuu. Equation hii Asset=Liability+Capital

if we expand owner's equity, we get the following:

owner's equity=Share capital+retained earnings

Therefore we get ASSET=SHARE CAPITAL+RETAINED EARNINGS+LIABILITIES

Habdavi said:

okey kwakuwa umezoea kutafuniwa kila kitu, haya meza na hiyo!

ASSET=CAPITAL+LIABILITIES-DRAWINGS

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Na wewe ni great thinker......?

Nyumba ni asset kama umezaliwa na kuishi tz tu miaka yote na kutembea nchi jiran za africa but kama umetembea na kuiona dunia ilivyo I mean kama umeshafanya fanya connection hethrow,doha, amsterdam na kwingineko nchi za kufika hadi ubadilishe ndege mara kazaa nyumba ni liabilities unless hiyo nyumba ni for business purpose bt kama ni ya kuishi na unaishi mwenyewe ndani ni liabilities over, kama ujanielewa vizuri tembea uione dunia utajua namaanisha nini, over

Duh! Katika threads zinazo changanya hii ni moja wapo

ASSET Is Any item of economic value owned by an individual or corporation, especially that which could be converted to cash. Examples are cash, securities, accounts receivable, inventory, office equipment, real estate, a car, and other property

LIABILITY Is An obligation that legally binds an individual or company to settle a debt. When one is liable for a debt, they are responsible for paying the debt or settling a wrongful act they may have committed.

Now we have definitions of each term, but kama nilivyosoma hii thread pana baadhi ya members wametumia definition za Roberty Kiyosaki katika baadhi ya vitabu vyake kama RICH DAD AND POOR DAD yeye ame classify asset into two groups (1) Asset that generate income is a Real ASSET=net cash inflows, But (2)Asset that consume resources(expenses) or that do not generate any income that to him is a LIABILITY=net cash outflows. So brothers and sisters don't mix up different disciplines.

Third is better to know that the way accountant undertake the house as an asset is differ from other disciplines like economist and also Finance Managers, mfano accountants siku zote wanajua kuwa nyumba ina appreciate, na economist yeye anajua kuwa only Land ndio ina appreciate, Finance manager yeye anajua kuwa nyumba ina keep its value due to inflation,gain and loss.

Ushauri wangu tusikariri ni vema ukaelewa hasa the logic behind yawezekana kabisa kila mmoja wetu hapa yuko sahihi kwa scenario fulani na concept aliyonayo, hivyo basi tupanue ufahamu wetu kwa discipline tofauti tofauti

MKATA KIU said:

Nyumba ni asset kama umezaliwa na kuishi tz tu miaka yote na kutembea nchi jiran za africa but kama umetembea na kuiona dunia ilivyo I mean kama umeshafanya fanya connection hethrow,doha, amsterdam na kwingineko nchi za kufika hadi ubadilishe ndege mara kazaa nyumba ni liabilities unless hiyo nyumba ni for business purpose bt kama ni ya kuishi na unaishi mwenyewe ndani ni liabilities over, kama ujanielewa vizuri tembea uione dunia utajua namaanisha nini, over

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duh! Kwahiyo liability kwa nchi za nje ila asset kwa nchi yetu.
Kweli itabidi tutembee tuione dunia.

on layman's terms,nyumba ni asset,lakini itakua liability kama itakua imepatikana kwa loan au mortgage,kwa definition ingine rahisi,asset ni kitu ambacho kinakuingizia pesa,hiyo ni kama hiyo nyumba itakua inakuingizia,lakini kama inakutolea pesa kulipa deni la mkopo benki,inakua liability kwako na inakua asset ya benki uliyokopa.