Ma-Bank ya Tanzania yanatuibia, BOT Mko wapi?

Kuna bank flani hv nilikopa mshiko sasa nimelipa hadi nusu hivi, sasa nimeenda bank kuchukua letter of settlement cha kusikitisha ni kwamba wamenipiga fine zaidi ya 800, 000 nashangaa hyo fine ya nini wakati interest yao yote nimelipa? ebu wadau nifumueni hapo. Deni nalilipa lote pamoja na interest kwanini wanipige fine ya laki 8 kwa sababu nimelipa mapema?

Ukilipa mkopo mapema (kabla ya muda wa mkopo kwisha) utalipa interest mpaka kipindi kile unacho setle mkopo, kwahiyo interest beyond that settlement period hautalipa. Sasa basi kwa vile umekatisha mkataba, benki haitapata full amount of interest kama mlivyokubaliana ndiyo maana wana introduce early settlement fee ili ku compesate japo kidogo ile lost interest. Early settlement fee inakuwa kwenye mkataba, kwahiyo unapoenda kuvunja mkataba lazima ujue kabisa bank watakucharge % fulani kwenye outstanding amount, so it's on you to make your calculation right comparing na kama utalipa mkopo mpaka mwisho.

Kibela, please be advised that most Lenders/Banks write prepayment penalties into loans and/or mortgages contracts to compensate for prepayment risk.

A borrower should be aware of the risks associated with a prepayment penalty. A prepayment penalty can substantially increase the cost of loaning when it would otherwise be economical.

So, when you applied for a loan there was a clause in the instrument that says if the loan is prepaid within a certain time period, a penalty will be assessed. The penalty is usually based on percentage of the remaining loan balance or a certain number of months worth of interest.

kabla haujakopa ulitakiwa usome vizuri masharti ya kuvunja mkataba kama waliandika hizo fine inabidi ukubali tu no way out.

Dah, jf ni zaidi ya chuo kikuu .... ndio hvyo'hvyo mlivyomwelekeza, nlkua nasubr muingie chaka nichkue point zangu kumbe wapi! Hope ameelewa, Safi sana ...

Tatizo wengi wetu tunapokua na uhitaji wa mkopo, tunatilia sana mkazo upatikanaji wa hela na kupunguza umakini kwenye taratibu/masharti na vigezo vya yaliyomo kwenye makubaliano. Watu wengi hawasomi kwa umakini vifungu ikiwemo riba ya mkopo na kuvunja mkataba.