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

[Raia Fulani]

a house can be either liability (not permanently) or asset. Bills are just expenses.

 

[KIM KARDASH]

Asset= money into your pocket

Liability= money out of your pocket

Duu!hata kama ni hela ya mkopo????!!!pamoja na ujinga wangu kwenye uhasibu lakini hii ngumu kidogo kuimeza.

Kweli kila mtu na fani yake aisee,wengine wazuri kwenye politics,wengine kwenye michezo,wengine afya,wengine udaku na wengine kwenye uhasibu na uchumi,tuwaache wapambane wanaouhusika na mada hii,wengine tushiriki kwa njia ya kusoma tu inatosha.

 

[papillon]

Naomba kuuliza hii kitu nimekuta watu wanabisha u turn blog kuhusu hili suala kiukweli kila upande umejaribu kujenga hoja nzito za utetezi lakini kwa kuwa mimi sio mchumi wala mhasibu nikaona niulete huku huu mjadala kwa kwa kuwa huku naamini kuna vichwa kwenye angle hii ya uhasibu na mambo ya uchumi kiujumla;

Yupo mmoja kwa mfano kakitambulisha kwa id kama miss clueless anasema:

"nyumba ni liability.. you
pay all the electricity, gas, and water bills (do you say ni extra income?)
repair sometime.. buy a bunch of stuffs for the "house" ...so ..nyumba
ya mkopo ni liability..and your very own house usiyolipia mortgage inaweza
kuitwa liability pia!"

Huyu anajitambulisha as Miss Financial Advisor yeye anasema:

"Mambo ya kucrem instead of learning ndo tonayoyaogopa. Nyumba is a personal asset
as it increase in value (note the diff, its s not a business asset to generate
income to ur company). Ur personal house is an investment like buying shares or
gold. N the best thing about having nyumba especially in TZ s that its value
increase every year, so when u decides to sell that house, u may even double the
money from ur original investment. Be empowered.

Akajibiwa na Anonymous hivi:

Miss Financial Advisor,
first...you shouldn't call yourself that because you
shame us in finance. A house never appreciates in value only the land and you
should know how to distinguish between a HOUSE and a PROPERTY. when you buy a
land, build and sell it you are a property developer on into property business.
However "when you decide to sell" a house which you've lived in it never
appreciates due to depreciation and emerging new technology, therefore the
appliances and fixtures such as your air condition systems etc would be extinct.
i mean who would pay more for a house with AC yenye chogo linaloning'inia kwa
nje??lol or a house with no tiles or old fashioned window frames etc

Kiufupi mjadala ulikua mkali maamuma wa mabo hayo tumechanganyikiwa hatujui tumsikilize nani,tunaomba wataalam msaidie hapa NYUMA NI ASSET ama ni LIABILITY??????

Nyumba ni asset ambayo inawezekana imejengwa kwa mkopo(liability). Katika urali utakuwa na nyumba yako kama asset lakini kama umekopa basi mkopo utaonekana kama umegharamia.(assets=liabilities).hizo utilities ni just expenses. Hope imesaidia kidogo

katafute maana ya haya maneno na wewe unaweza ukachangia kitu:
Non current asset
Current asset
Non current liability
Current liability
Revenue/sales
Expenses

 

[shiezo]

Huo uhasibu mwenzetu uliusomea wapi? kwani hujui kuwa Owners Equity ni liability kwa business? Refer Business Entity principle. Kwa ujumla Assety=Liability.

 

[IGWE]

hapa kuna notion ya asset ama inapotoshwa ama inaboreshwa....ol in ol kuna kitu kipya nimepata

 

[MTAZAMO]

Hakuna haja ya longolongo Uhasibu ni sheria sikuhizi.Someni IAS 16.7 inasema hivi kuhusu Assets:

Items of property, plant, and equipment should be recognised as assets when it isprobable that:

• it is probable that the future economic benefits associated with the asset will flow to the entity, and
• the cost of the asset can be measured reliably.

Amua mwenyewe nyumba ni nini!

 

[MTAZAMO]

Kwavile Uhasibu ni sheria mjadala kuhusu IAS 16 ubaki kwa ajili ya kuishauri IASB (kupitia NBAA) wabadili hiyo sheria kwa hoja utakazozitoa lakini kwasasa ufafanuzi wa IASB kupitia IAS 16.7 unabaki kuwa ndio muongozo wetu!

 

[MamaEE]

Renegade - Right on! In addition, mara nyingi nyumba unayoishi ni ngumu kuiita asset maana in order to liquidate, you have to sell. Ukiuza, you have to buy or build again na in a free market, getting a comparable house would cost you the same selling price.

Swali liko too general, I would say nyumba unayoishi ni asses/liability as outlined by renegade. Nyumba unayoikodisha is a an asset/liability depending on the cash flows from it - i.e positive = asset and if negative = liability.

 

[Sashel]

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.

Very well defined!! kwa maneno mengine ikiwa nyumba ni ya biashara mfano; imepangishwa kwa mtu au ofisi then hiyo ni asset maana inazalisha kipato...lakini kama unaishi mwenyewe ni Liability maana utatakiwa kutolea hela ya maintanance kutoka vyanzo vyako vya pesa..

 

[Renegade]

Owners equity is a liability to the business asset aquired. Always Assets are DR entries and Liabilities which includes capital are CR entries.

Napita tu ukitaka darasa zaidi nitafute lunch time kesho

Owner’s equity
Definition
Total assets minus total liabilities of an individual or company. For a company, also called net worth or shareholders' equity or net assets.

 

[Njilembera]

A house by all standards qualifies to be categorised as an asset, provided that no mortgage lien is attached. I will use IAS 16 as basis of my argument. For an item to qualify as an asset, it must fulfill two conditions:

i) Must derive future economic benefits from the item and flows to an entity. An entity in this case is an individual person (Land must be registered with a legal title deed)or corporate.

ii) Its cost can be measured reliably.
i.e cost of land, iron sheets, concrete blocks, etc

However, if an individual decides to use the house to receive income in form of rentals or price appreciation, it is termed as an investment.

Duh! Huu mjadala si wa kawaida! I recall in one of my old days times in College- an Indian Student/class mate had problem of defining 'capital goods'. She took a lot of trouble and finally picked the example of a kitchen knife. She said if one used the knife for kitchen purpose, then that knife is a capital good, if however one used it otherwise and injure a person then that knife ceases to be capital good! And you guys are talking of house being asset when its value appreciates and liability when it depreciates or when there is a mortgage to it! What is liability? What is Asset? Is IAS 16 your answer?

 

[daniel mwasemele]

buldings in account we call the fixed asset . Even vitu kama hela ambazo ni cash , cash at bank , debtors , and stock izo tunaita current asset. Na vitu kama loan au mkopo tunaita current liabilities ! Nyc time

 

[mchukiaufisadi]

Owner's equity
Definition
Total assets minus total liabilities of an individual or company. For a company, also called net worth or shareholders' equity or net assets.

Naomba nikurudishe darasa la kwanza la Uhasibu.

At any time t, ASSETS IS EQUAL TO LIABILITIES.

Liabilities ni madeni yote ambayo kampuni inadaiwa. Wadai wa kampuni yeyote ni wanahisa(Owners Equity) na wadai wa kibiashara

Ulicho define hapo wewe ni kucheza na formulars ie Assets =Liabilities, but Liabilities =owners equity+Business Liabilities

Therefore, Assets = Owners Equity + Business liabilites now "Renegade", make owners equity the subject,

Owners equity = Assets - Business Liabilties

Understood!!!!!

 

[Renegade]

Naomba nikurudishe darasa la kwanza la Uhasibu.

At any time t, ASSETS IS EQUAL TO LIABILITIES.

Liabilities ni madeni yote ambayo kampuni inadaiwa. Wadai wa kampuni yeyote ni wanahisa(Owners Equity) na wadai wa kibiashara

Ulicho define hapo wewe ni kucheza na formulars ie Assets =Liabilities, but Liabilities =owners equity+Business Liabilities

Therefore, Assets = Owners Equity + Business liabilites now "Renegade", make owners equity the subject,

Owners equity = Assets - Business Liabilties

Understood!!!!!

SO What? Kuna kitu nimekosea?

 

[ALU-MASOLI]

Very well defined!! kwa maneno mengine ikiwa nyumba ni ya biashara mfano; imepangishwa kwa mtu au ofisi then hiyo ni asset maana inazalisha kipato...lakini kama unaishi mwenyewe ni Liability maana utatakiwa kutolea hela ya maintanance kutoka vyanzo vyako vya pesa..

Hata nyumba unayoishi still ni asset coz th benefits u'r getting is th cost u c'd've rented somewhere else

 

[SMU]

.
Miss Financial Advisor,
first...you shouldn't call yourself that because you
shame us in finance. A house never appreciates in value only the land and you
should know how to distinguish between a HOUSE and a PROPERTY. when you buy a
land, build and sell it you are a property developer on into property business.
However "when you decide to sell" a house which you've lived in it never
appreciates due to depreciation and emerging new technology, therefore the
appliances and fixtures such as your air condition systems etc would be extinct.
i mean who would pay more for a house with AC yenye chogo linaloning'inia kwa
nje??lol or a house with no tiles or old fashioned window frames etc

Makes sense!

 

[Sashel]

Hata nyumba unayoishi still ni asset coz th benefits u'r getting is th cost u c'd've rented somewhere else

Ni kweli nyumba inaondoa cost ya kupanga, lakini tafsiri yangu ya Asset haipo katika mlengo huo wa kupunguza/ kuondoa grarama..bali katika mlengo wa kuzalisha/ creating/ generating income, kwamba hiyo property unayomiliki ili iwe asset inatakiwa izalishe kipato (cash inflow)..kwa tafsiri yako inamaana hata mkopo ni asset maana mtu anautumia katika biashara badala ya personal fund

 

[TWIZAMALLYA]

Nitaanza kwa ku'define' what is an asset and what is a libility.
Asset: An asset is a resource controlled by the enterprise as a result of past events from which future economic benefits are expected to flow to the enterprise.

Liability: A liability is a present obligation of the enterprise arising from the past events, the settlement of which is expected to result in an outflow from the enterprise' resources, i.e., assets.

Kama definitions zilivyo wazi utaona wazi kuwa nyumba itakuwa ni Asset moja kwa moja kwani ni resource na haiwezi ikawa liability kwani according to the definition above A liability is an obligation arising from past event.Ikiwa na maana kuwa huko nyuma kama ulikopa mkopo wa kujenga nyumba basi huo mkopo ni liability maana lazima ulipe na nyumba uliyojenga itakuwa Asset kwako kwani unategemea flowing of future economic benefit through rental income etc.

 

[Adharusi]

Somo zuri

 

[Chaldmhola]

In Business oriented minds a house whether acquired through loan or own money is a liability in the sense that once acquired you need to set aside part of your earnings to pay for various bills (water, electricity, municipal rent, repair, etc.) which you didnot need them without owning a house. House turns into an asset only if it generates earnings than those required to service it as mentioned above. But, in accounting terms a house is an asset in whaterver form acquired!