Mswada wa "Mortgage" na Kutanguliza Mkokoteni

Muda si mrefu ujao Bunge letu litajadili mswada wa mortgage (neno la Kiswahili au kiarabu sina) ili kurahisisha watu kupata mikopo ya kununua/kujenga nyumba zao wenyewe. Binafsi sijauona lakini ningetamani sana kuuona kwani nina experience ya kufanya kazi kwa muda katika Mortgage industry na hilo ni baadhi ya maeneo ambayo naweza kuzungumza kwa mamlaka kweli.

Tunaomba mwenye mswada huu watupitishie ili tuutolee maoni, hofu yangu ni kuwa endapo utapitishwa waweza kuwa umetanguliza mkokoteni mbele, halafu punda nyuma! Nani amvute nani?

Ni Wazo zuri. Kuwa na makazi ni haki ya msingi. Hivyo ni vyema wadau tukapata nafasi kuchangia kwa kuwa unagusa wote.

Kweli kabisa itabidi tuelimishane tuweze kujua nn kilichomo humo...

They should also use the experience from the American sub-prime mess.

Huwezi kuwa na mortgage kama huna credit rating system, wata li address vipi swala la credit rating bongo wakati we operate in a largely non-credit economy (at least for non corporate entities anyway)

Au mortgage hizi walengwa watakuwa kina nani? wafanyakazi wa serikali walilipa mikopo yao Benki ya nyumba au ndiyo ilikuwa mambo ya "bad debts" za Kawawa?

Pundit said:

They should also use the experience from the American sub-prime mess.

Huwezi kuwa na mortgage kama huna credit rating system, wata li address vipi swala la credit rating bongo wakati we operate in a largely non-credit economy (at least for non corporate entities anyway)

Au mortgage hizi walengwa watakuwa kina nani? wafanyakazi wa serikali walilipa mikopo yao Benki ya nyumba au ndiyo ilikuwa mambo ya "bad debts" za Kawawa?

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Kipya kinyemi. Na kigeni kiigwe?

MWanakijiji
Hii ni issue nyeti sana, na watanzania tuliowengi hatuifahamu japo wengine tunlikuwa tunaomba sana ije Tanzania. Lakini bado najiuliza will it benefit Tanzanians, or yatakuwa ndio yale yale ya window of opportunity kwa mafisadi. Unaweza kushangaa kuwa itawapa wabunge, mawaziri na vigogo wengine wenye mahekalu na makasiri kupata hiyo mikopo, lakini watu kama mimi tunaoishi kwenye mbavu za mbwa hata hatuwezi kupata. Hii ni issue muhimu sana nasubiri kwa hamu nisikie wabunge watajadili vipi!

Kweli itabidi tuwe makini sana kwa hili, kwani wenye nacho ndio watakaoongezewa, watu watahitaji vacation homes kwenye fukwe za bahari.
Na swali langu ni hili........Nitapewa mkopo mimi mwenye kiwanja cha urithi pale 'Mwananyamala Komakoma Slaa Slaa nukta nukta kwa kidala shop', ikiwa hata jina la mtaa silikumbuki vizuri, ila maarufu kwa mama Shani?

Jameni, wenye muswada wapost tuuone kwanza!!! Mbwembwe, hoja zifuate baadae!!!

Mbona tunaogopa kila kitu!?!?!?!!?

Mortgage is very complicated system. Hii system tangu ilipoanza huko baada ya second world war imesababisha matatizo mengi sana, kuanzia S&L nightmare kwenye 1980s, mpaka sub-prime nightmare ambayo imepeleka US economy kwenye recession kama sio COMA.

Mortgage system inataka serikali wae macho sana, kwani mabank siku zote wana tamaa na always tamaa zao ndio zinaleta matatizo.
Nasubiri huo muswada uwe public ili tuuangalie kwa karibu.

Hivi "Mortgage" ndio inaitwaje kwa Kiswahili?

Mzee Mwanakijiji said:

Hivi "Mortgage" ndio inaitwaje kwa Kiswahili?

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kuchukua mkopo kisha kurudisha taratibu.

Kwa ufahamu wangu finyu husiana na viongozi wa ngazi za juu na watunga sheria wa nchi hii sidhani kama huu Mswaada utatulenga sisi wa Kule Tandika na Manzese kwa nyuma.

Tusubiri huo Mswaada ufike lakini kweli na hakika ni kwamba mara baada ya kupitishwa utagundua ya kwamba bila kuwa na nafasi na mwenye element za kifisadi huo msaada hautokuhusu.

Nashukuru kwa kulileta hili MwanakiJJ na kama kuna mtu kaupata atufanyie uungwana basi.

Mzee Mwanakijiji said:

Hivi "Mortgage" ndio inaitwaje kwa Kiswahili?

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MM,

Mortgage ni rehani.

Pundit said:

MM,

Mortgage ni rehani.

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Pundit,
Nadhani Deposit ndio rehani. Au?

QM said:

Pundit,
Nadhani Deposit ndio rehani. Au?

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IMHO

Mortgage yenyewe haina maana moja, ona hapa

From www.dictionary.com

1. a conveyance of an interest in property as security for the repayment of money borrowed.
2. the deed by which such a transaction is effected.
3. the rights conferred by it, or the state of the property conveyed.
–verb (used with object) 4. Law. to convey or place (real property) under a mortgage.
5. to place under advance obligation; pledge: to mortgage one's life to the defense of democracy.

The first definition qualifies security (rehani) as mortgage.

Stricly speaking rehani ni security unayoiweka kupata mkopo, this would make mortgage mkopo, but to me mkopo is loan.The kamusi project wameidescribe mortgage kama ankra au rehani.

Ukisoma Mwenyekiti Yanga ajiweka rehani utaona rehani imetumika kama mortgage ya "to place under advance obligation; pledge: to mortgage one's life to the defense of democracy". kutoka dictionary.com

Ona hapa

Nadhani tunaweza kutumia neno mojawapo kati ya Murabaha (for conventional mortgages) na Ijara (for Islamic one)..

Pundit said:

MM,

Mortgage ni rehani.

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mzee hapana.. rehani ni pawning.. ambapo mtu anaweza kitu ili kupata fedha anazozihitaji halafu anarudi kukilipia kile kitu na kukigomboa...

I am not particularly fond of over arabizing Swahili.It is arabized enough as it is, rehani is sufficiently descriptive for me, unless the above connection can be disputed.

90% of Swahili speakers have never heard of Murabaha.Effective language needs to be user friendly and not uppity/ elitist.

Mzee Mwanakijiji said:

mzee hapana.. rehani ni pawning.. ambapo mtu anaweza kitu ili kupata fedha anazozihitaji halafu anarudi kukilipia kile kitu na kukigomboa...

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Bado ninaamini kuwa rehani ni deposit. Tofauti kidogo na pawning, unapokwenda kuazima gari na kuweka rehani (deposit) ya Tshs. 500, halafu ukirudisha lile gari katika hali inayokubalika, unarudishiwa 500 yako. Hiyo ndiyo rehani (Deposit)

Mzee Mwanakijiji said:

mzee hapana.. rehani ni pawning.. ambapo mtu anaweza kitu ili kupata fedha anazozihitaji halafu anarudi kukilipia kile kitu na kukigomboa...

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Unabishana na Kamusi Project?

Rehani siyo pawning, ni kile kitu kilichowekwa pawn.Umeona hiyo story ya Rais wa Yanga kujiweka rehani?

The act of putting something up as pawn is mortgaging that something.Ukiweka dhahabu yako pawn umeimortgage ile dhahabu.Utakuwa unailipia mpaka uikomboe.

Thats why I concurr with Kamusi Project in saying rehani = mortgage.