Mikopo ya NBC

Mikopo ya NBC

Cunch

Cunch

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Wiki iliyopita wafanyakazi wa benki ya NBC walikuja ofisini kwetu na kutueleza juu ya aina ya mkopo wanaotoa unaoitwa PERSONAL GROUP LOAN, wakaeleza mengi lakini nikashawishika na moja kwamba riba inakuwa in terms of 'redusing ballance' yaani kila mwezi unakatwa riba kufuata kiasi cha mkopo kilichobaki na sio kiasi ulichokopa.

Kwa wenye uzoefu na benki hii, nipeni mawazo kwa hili. Je, benki hii ina mapungufu yoyote kwenye masuala ya mikopo?
#Cunch
 
....nina mdgo wangu amekopa na anasema mambo yako poa tu na mkopo amepata mapema, labda kama kuna mambo hajanieleza, ila kwa spidi ile nawapa credit...
 
Labda kama wamebadili masharti; miye nilikopa na kuweka mkataba nao miezi 60. Kila mwezi makato ni yale yale( constant) sijaona mabadiliko ya makato. Pia hawa jamaa ni wafanya biashara jua hilo linaweza kuwa la kuvutia wateja....!
 
Brightman Jr said:
Labda kama wamebadili masharti; miye nilikopa na kuweka mkataba nao miezi 60. Kila mwezi makato ni yale yale( constant) sijaona mabadiliko ya makato. Pia hawa jamaa ni wafanya biashara jua hilo linaweza kuwa la kuvutia wateja....!
Click to expand...

....hahahaaa mkuu ninavyo elewa mimi wakisema redusing balance haimaanishi makato yanapungua kwa mwezi, ila jumla ya hela utakazo lipa itakuwa ni ndogo kulinganisha na mtu atakaye lipa kwa compounding method...
 
Unapokopa mahali popote ni vizuri kujua kuwa kila mkopo una riba na unatakiwa uelekezwe pasi na shaka namna riba inavyokokotolewa.

Wanapokwambia reducing balance haimanishi kwamba malipo ya mwezi yatakuwa yanapungua ila wanamanisha kwamba kila mwezi riba itakokotolewa kwa kiwango kilichobaki tu cha mkopo. Ni sawa na kusema katika marejesho yako ya kila mwezi ambayo yana riba na mtaji uliokopa kila mwezi kiasi cha riba kitakuws kinapungua.

Nakushauri tu uende ukakope ila hakikisha umepewa jinsi utakavyokuwa unarejesha kwa muda wote. Cha msingi hakikisha una lengo maalum na hiyo hela ili ikusaidie kupiga hatua
 
USER2013 said:
Unapokopa mahali popote ni vizuri kujua kuwa kila mkopo una riba na unatakiwa uelekezwe pasi na shaka namna riba inavyokokotolewa.

Wanapokwambia reducing balance haimanishi kwamba malipo ya mwezi yatakuwa yanapungua ila wanamanisha kwamba kila mwezi riba itakokotolewa kwa kiwango kilichobaki tu cha mkopo. Ni sawa na kusema katika marejesho yako ya kila mwezi ambayo yana riba na mtaji uliokopa kila mwezi kiasi cha riba kitakuws kinapungua.

Nakushauri tu uende ukakope ila hakikisha umepewa jinsi utakavyokuwa unarejesha kwa muda wote. Cha msingi hakikisha una lengo maalum na hiyo hela ili ikusaidie kupiga hatua
Click to expand...

ahsante sana ndugu na wengine mliochangia lakini mi nahisi kama masharti yao yanawapa nguvu kukata riba wanavyopenda kwan wamekuwa hawaongelei sana suala la masharti.
 
Mkuu Cunch nakushauri tembelea tawi lililoko karibu nawe kwa maelezo zaidi. Mkopo ni mkataba na kwa hiyo haitakiwi kuwe na makato yoyote nje ya mkataba huo ambao utausaini wewe na mwajiri wako. Hata riba itakavyokuwa kwenye mkataba ndivyo itakavyokatwa, wakikata viginevyo unahaki ya kulalamika kupitia bot complaints resolution desk na hata mahakamani kama hujaridhika na uamuzi wa bot
 
Brightman Jr said:
Labda kama wamebadili masharti; miye nilikopa na kuweka mkataba nao miezi 60. Kila mwezi makato ni yale yale( constant) sijaona mabadiliko ya makato. Pia hawa jamaa ni wafanya biashara jua hilo linaweza kuwa la kuvutia wateja....!
Click to expand...

Dah ni kwamba pesa ulyo kopa makato kwenye interest inapungua kutokana na salio.
Mfano mteja anayekopa 20,000,000. kwa miaka miwili 15% inakuwa kama ifuatavyo

[TD="class: xl63, width: 108"] Monthly Payment Schedule for member, at Interest of 15 pa [/TD]
[TD="class: xl64, width: 97"] [/TD]
[TD="class: xl64, width: 91"] [/TD]
[TD="class: xl64, width: 102"] [/TD]
[TD="class: xl65, width: 96"] [/TD]
[TD="class: xl65, width: 95"] [/TD]

[TD="class: xl66"] [/TD]
[TD="class: xl66"] [/TD]
[TD="class: xl66"] [/TD]
[TD="class: xl66"] [/TD]
[TD="class: xl68"]Periodic[/TD]
[TD="class: xl66"] [/TD]

[TD="class: xl66"] [/TD]
[TD="class: xl66"] [/TD]
[TD="class: xl68"]Principal[/TD]
[TD="class: xl68"]Interest[/TD]
[TD="class: xl68"]Payments[/TD]
[TD="class: xl68"]Balance[/TD]

[TD="class: xl66"] [/TD]
[TD="class: xl67"] [/TD]
[TD="class: xl68"]TZS[/TD]
[TD="class: xl68"]TZS[/TD]
[TD="class: xl68"]TZS[/TD]
[TD="class: xl68"]TZS[/TD]

[TD="class: xl66"]April, 2014[/TD]
[TD="class: xl69"] 20,000,000 [/TD]
[TD="class: xl69"] 719,733 [/TD]
[TD="class: xl69"] 250,000 [/TD]
[TD="class: xl69"] 969,733 [/TD]
[TD="class: xl69"] 19,280,267 [/TD]

[TD="class: xl71"]May, 2014[/TD]
[TD="class: xl69"] 19,280,267 [/TD]
[TD="class: xl69"] 728,730 [/TD]
[TD="class: xl69"] 241,003 [/TD]
[TD="class: xl69"] 969,733 [/TD]
[TD="class: xl69"] 18,551,537 [/TD]

[TD="class: xl71"]June, 2014[/TD]
[TD="class: xl69"] 18,551,537 [/TD]
[TD="class: xl69"] 737,839 [/TD]
[TD="class: xl69"] 231,894 [/TD]
[TD="class: xl69"] 969,733 [/TD]
[TD="class: xl69"] 17,813,699 [/TD]

[TD="class: xl71"]July, 2014[/TD]
[TD="class: xl69"] 17,813,699 [/TD]
[TD="class: xl70"] 747,062 [/TD]
[TD="class: xl69"] 222,671 [/TD]
[TD="class: xl69"] 969,733 [/TD]
[TD="class: xl69"] 17,066,637 [/TD]

[TD="class: xl71"]August, 2014[/TD]
[TD="class: xl69"] 17,066,637 [/TD]
[TD="class: xl69"] 756,400 [/TD]
[TD="class: xl69"] 213,333 [/TD]
[TD="class: xl69"] 969,733 [/TD]
[TD="class: xl69"] 16,310,237 [/TD]

[TD="class: xl71"]Sep,2014[/TD]
[TD="class: xl69"] 16,310,237 [/TD]
[TD="class: xl69"] 765,855 [/TD]
[TD="class: xl69"] 203,878 [/TD]
[TD="class: xl69"] 969,733 [/TD]
[TD="class: xl69"] 15,544,382 [/TD]

[TD="class: xl71"]October,2014[/TD]
[TD="class: xl69"] 15,544,382 [/TD]
[TD="class: xl69"] 775,428 [/TD]
[TD="class: xl69"] 194,305 [/TD]
[TD="class: xl69"] 969,733 [/TD]
[TD="class: xl69"] 14,768,954 [/TD]

[TD="class: xl71"]November,2014[/TD]
[TD="class: xl69"] 14,768,954 [/TD]
[TD="class: xl69"] 785,121 [/TD]
[TD="class: xl69"] 184,612 [/TD]
[TD="class: xl69"] 969,733 [/TD]
[TD="class: xl69"] 13,983,833 [/TD]

[TD="class: xl71"]December, 2014[/TD]
[TD="class: xl69"] 13,983,833 [/TD]
[TD="class: xl69"] 794,935 [/TD]
[TD="class: xl69"] 174,798 [/TD]
[TD="class: xl69"] 969,733 [/TD]
[TD="class: xl69"] 13,188,898 [/TD]

[TD="class: xl71"]Jauary,2015[/TD]
[TD="class: xl69"] 13,188,898 [/TD]
[TD="class: xl69"] 804,872 [/TD]
[TD="class: xl69"] 164,861 [/TD]
[TD="class: xl69"] 969,733 [/TD]
[TD="class: xl69"] 12,384,026 [/TD]

[TD="class: xl71"]February,2015[/TD]
[TD="class: xl69"] 12,384,026 [/TD]
[TD="class: xl69"] 814,933 [/TD]
[TD="class: xl69"] 154,800 [/TD]
[TD="class: xl69"] 969,733 [/TD]
[TD="class: xl69"] 11,569,093 [/TD]

[TD="class: xl71"]March, 2015[/TD]
[TD="class: xl69"] 11,569,093 [/TD]
[TD="class: xl69"] 825,119 [/TD]
[TD="class: xl69"] 144,614 [/TD]
[TD="class: xl69"] 969,733 [/TD]
[TD="class: xl69"] 10,743,974 [/TD]

[TD="class: xl71"]April,2015[/TD]
[TD="class: xl69"] 10,743,974 [/TD]
[TD="class: xl69"] 835,433 [/TD]
[TD="class: xl69"] 134,300 [/TD]
[TD="class: xl69"] 969,733 [/TD]
[TD="class: xl69"] 9,908,541 [/TD]

[TD="class: xl71"]May, 2015[/TD]
[TD="class: xl69"] 9,908,541 [/TD]
[TD="class: xl69"] 845,876 [/TD]
[TD="class: xl69"] 123,857 [/TD]
[TD="class: xl69"] 969,733 [/TD]
[TD="class: xl69"] 9,062,665 [/TD]

[TD="class: xl71"]June, 2015[/TD]
[TD="class: xl69"] 9,062,665 [/TD]
[TD="class: xl69"] 856,450 [/TD]
[TD="class: xl69"] 113,283 [/TD]
[TD="class: xl69"] 969,733 [/TD]
[TD="class: xl69"] 8,206,215 [/TD]

[TD="class: xl71"]July, 2015[/TD]
[TD="class: xl69"] 8,206,215 [/TD]
[TD="class: xl69"] 867,155 [/TD]
[TD="class: xl69"] 102,578 [/TD]
[TD="class: xl69"] 969,733 [/TD]
[TD="class: xl69"] 7,339,060 [/TD]

[TD="class: xl71"]Aug,2015[/TD]
[TD="class: xl69"] 7,339,060 [/TD]
[TD="class: xl69"] 877,995 [/TD]
[TD="class: xl69"] 91,738 [/TD]
[TD="class: xl69"] 969,733 [/TD]
[TD="class: xl69"] 6,461,065 [/TD]

[TD="class: xl71"]Sep, 2015[/TD]
[TD="class: xl69"] 6,461,065 [/TD]
[TD="class: xl69"] 888,970 [/TD]
[TD="class: xl69"] 80,763 [/TD]
[TD="class: xl69"] 969,733 [/TD]
[TD="class: xl69"] 5,572,095 [/TD]

[TD="class: xl71"]October, 2015[/TD]
[TD="class: xl69"] 5,572,095 [/TD]
[TD="class: xl69"] 900,082 [/TD]
[TD="class: xl69"] 69,651 [/TD]
[TD="class: xl69"] 969,733 [/TD]
[TD="class: xl69"] 4,672,013 [/TD]

[TD="class: xl71"]Nov, 2015[/TD]
[TD="class: xl69"] 4,672,013 [/TD]
[TD="class: xl69"] 911,333 [/TD]
[TD="class: xl69"] 58,400 [/TD]
[TD="class: xl69"] 969,733 [/TD]
[TD="class: xl69"] 3,760,681 [/TD]

[TD="class: xl71"]December, 2015[/TD]
[TD="class: xl69"] 3,760,681 [/TD]
[TD="class: xl69"] 922,724 [/TD]
[TD="class: xl69"] 47,009 [/TD]
[TD="class: xl69"] 969,733 [/TD]
[TD="class: xl69"] 2,837,956 [/TD]

[TD="class: xl71"]Janu, 2016[/TD]
[TD="class: xl69"] 2,837,956 [/TD]
[TD="class: xl69"] 934,259 [/TD]
[TD="class: xl69"] 35,474 [/TD]
[TD="class: xl69"] 969,733 [/TD]
[TD="class: xl69"] 1,903,698 [/TD]

[TD="class: xl71"]Feb, 2016[/TD]
[TD="class: xl69"] 1,903,698 [/TD]
[TD="class: xl69"] 945,937 [/TD]
[TD="class: xl69"] 23,796 [/TD]
[TD="class: xl69"] 969,733 [/TD]
[TD="class: xl69"] 957,761 [/TD]

[TD="class: xl71"]March, 2016[/TD]
[TD="class: xl69"] 957,761 [/TD]
[TD="class: xl69"] 957,761 [/TD]
[TD="class: xl69"] 11,972 [/TD]
[TD="class: xl69"] 969,733 [/TD]
[TD="class: xl69"] - [/TD]

[TD="class: xl72"]Total[/TD]
[TD="class: xl73"] [/TD]
[TD="class: xl73"] 20,000,000 [/TD]
[TD="class: xl73"] 3,273,591 [/TD]
[TD="class: xl73"] 23,273,591 [/TD]
[TD="class: xl73"]
[/TD]


unaweza kuona ile april, 2004 wakati mkopo ulipo kuwa 20,000,000 interest ilikuwa 250,000 na marejessho ya hiyo 20,000,000 ni sh.719,733.
kwenye mwezi unao fuata deni linabaki sh. 19,280,267 (yaani 20,000,000-719,733=19,280,267. Interest itakuwa sh241,003
Ukiangalia makato yayakuwa constant yaani sh.969,733. Haimaanishi kuwa makato ni yaleyale isipokuwa kinacho pungua ni interest, na makato ya deni huongezeka

Mwisho wa siku hiyo milion 20 itaisha makato yake.

Kwa mtu aliye soma biashara ni rahisi kuelewa.

NB jambo la msingi ukupe kwa kusudio kama ni biashara lazima utoke. Mi nilikopa CRDB abaout 7 yrs, sa ivi niko juu kwani na practice professional! Ila usikope ukaenda kuzitungua bia hutatoa chochote>
 
interesting ...kabla ya kuchukua mkopo tafakari na jenga malengo endelevu...mkopo ni majanga ANGALIA mwenzetu aliyeuziwa nyumba na shule
 
Weka malengo mazuri maanakama mkopo wa mda mrefu mpaka unamaliza mkopo riba usishangae kufika50%,kwenye maendeleo kukopa hakukepeki
 
Reducing method mbona ndo inatumika kwenye bank zote kubwa hapa nchini....labda hukuwa na taarifa tu...crdb na nmb wanatumia hyo toka kitaambo sana
 
Hongera yake mimi nina zaidi ua mwezi nasubiria ni longolongo tu kama unaomba msaada
Gefu said:
....nina mdgo wangu amekopa na anasema mambo yako poa tu na mkopo amepata mapema, labda kama kuna mambo hajanieleza, ila kwa spidi ile nawapa credit...
Click to expand...
 
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