Msaada wa kukopa bank

[madigida]

Wana jamvi,nawasalimu wote kwa moyo wa upendo.
Niko ktk hatua za kusajili kampuni LTD makao ni mjini Tanga, natarajia kufanya biashara ya kuuza bidhaa mbalimbali za nyumbani kwa jumla.
Kwasasa sina mtaji wa kutosha ila nina dhamana ya nyumba, naomba msaada wa kufahamishwa ni vipi naweza pata mkopo kwa kutumia hiyo dhamana. pia je ni bank zipi zikotayari . Kiasi ninacho hitaji ni tsh 20m.
Naomba maelekezo yenu.

 

[pinno]

Uwe na vitu vinavyo onesha umiliki wa nyumba " hapa namaanisha vitu kama hati etc etc" uwe na taarifa ya uthaminishaj wa nyumba" Hii ni muhimu, inaonesha thamani ya nyumba yako" hii hufanywa na watu wa jiji au manispaa, kisha nenda bank yeyoyte utajayoona ina riba nzur kias.

 

[madigida]

Nashukuru kwa uelekezi wako. Hati ya nyumba ninayo labda hiyo hati ya uthamini, itbidi nifanye mchakato.

 

[Prime Dynamics]

Mkuu kutokana na maelezo yako naomba nikupe tahadhari. Inaonyesha kama vile unaaza biashara au kama ipo unataka kuipanua. Hiyo ni safi sana lakini kumbuka kama unataka kukopa 20m lazima biashara ya sasa iwe na uwezo wa kulipa hicho kiasi. Ni vyema to have a payment plan in place before you go for that loan.
A proper plan for a loan entails having a detailed repayment schedule which shows how you will service the loan.
You need to ask yourself how you would repay the money, with your existing income without any difficulty, if you were to secure a loan today. For instance, since the loan is to finance a business venture, the revenue generated should be sufficient to cover the interest cost and still earn you some extra profits.
Each time you plan to apply for a loan, you should be guided by the debt to income ratio, which is a universal guideline on what amount of debt you can service with a particular amount of income. This ratio is an important guideline since it can serve as a cap on the maximum amount of loan that you can comfortably service. Keep in mind that banks do not bother whether you take a loan beyond the ratio, since they are more driven by their interest of growing their loan books and revenue. If your present financial health cannot allow you to part with the monthly repayment, do not rush to secure the loan hoping to change your financial situation. While considering how to spend the loan, you should compare the cost of the interest on the loan with the returns you expect from the use of the loan.
My advice to you is that if your business is still new or if it can't generate the amount required to be paid kila mwezi don't go for that loan. If you do so you will put your financial status on a drip na unaweza poteza asset yako. Tafadhali tafakari kwanza.

 

[madigida]

Mkuu kutokana na maelezo yako naomba nikupe tahadhari. Inaonyesha kama vile unaaza biashara au kama ipo unataka kuipanua. Hiyo ni safi sana lakini kumbuka kama unataka kukopa 20m lazima biashara ya sasa iwe na uwezo wa kulipa hicho kiasi. Ni vyema to have a payment plan in place before you go for that loan.
A proper plan for a loan entails having a detailed repayment schedule which shows how you will service the loan.
You need to ask yourself how you would repay the money, with your existing income without any difficulty, if you were to secure a loan today. For instance, since the loan is to finance a business venture, the revenue generated should be sufficient to cover the interest cost and still earn you some extra profits.
Each time you plan to apply for a loan, you should be guided by the debt to income ratio, which is a universal guideline on what amount of debt you can service with a particular amount of income. This ratio is an important guideline since it can serve as a cap on the maximum amount of loan that you can comfortably service. Keep in mind that banks do not bother whether you take a loan beyond the ratio, since they are more driven by their interest of growing their loan books and revenue. If your present financial health cannot allow you to part with the monthly repayment, do not rush to secure the loan hoping to change your financial situation. While considering how to spend the loan, you should compare the cost of the interest on the loan with the returns you expect from the use of the loan.
My advice to you is that if your business is still new or if it can't generate the amount required to be paid kila mwezi don't go for that loan. If you do so you will put your financial status on a drip na unaweza poteza asset yako. Tafadhali tafakari kwanza.

Nashukuru kwa ushauri wako. Asante kwa kunipanua mawazo mkuu!