Nitapataje mkopo? Dhamana yangu ni nyumba

yope

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Wakuu poleni na majukumu ya hapa na pale, na pia poleni sana na mapambano ya covid19.

Bila kuwapotezea muda, nina nyumba yangu nataka niuze ipo kwenye kiwanja kikubwa na nyumba yenyewe ni ya kawaida tu, sasa kuna mdau mmoja akanishauri kama nataka pesa nzuri nisiuze kwa mtu bali niende benki nichukue mkopo watanipa pesa nzuri then niwe kama vile ndo nimeiuza baada ya kuchukua huo mkopo.

Swali langu kwenu, Je ni kweli unaweza kuchukua mkopo benk na kuweka dhamana ya nyumba? Je mkopo huo unaweza kuwa na maximum ya sh. ngapi? Kipi ni bora kati ya kuuza nyumba na kuichukulia mkopo? Na masharti ya kuchukua mkopo benki yapoje?

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Huwezi kupewa mkopo bila kuwa na kazi au biashara! Wanachoaangalia una nini cha kukufanya ulipe! Lengo la benki siyo kuuza nyumba ...kwahiyo dhamana pekeee haiwezi kukupa mkopo maana itakuwa kama unawauzia
 
Haman kitu kama hicho bwana. Kwanza watafanya valuation ya hiyo nyumba na baada ya hapo watakupa mkopo usizidi 80%ya valuation ya huo mjengo.
 
Ilikuwa zamani mzee sasahivi bonge la nyumba wanakupa mkopo wa elfu kumi tu
 
The first two acceptable collateral for bank loans are

1. Ability to repay the loan

2. Willingness to repay the loan

Physical security like house, land, vehicle etc. come third. No bank or even non bank financial institution will lend you money just because you are ready to pledge physical property. You must have;

1. Any business or concept of business plan but in
most cases the business must be operational

2. A salary from an official job which can
guarantee you that you will discharge
your monthly commitment with the bank

In some few cases these procedures can be waived if you pledge cash as security

I stand to be corrected
 
Lugha baba!!
 
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