Ijue MORTGAGE LOAN Kutoka NMB

Mortgage kwa kiswahili ni MIKOPO WA NYUMBA

Maisha yetu yoote na ndoto zetu ni mwisho wa siku KUmiliki / KUishi nyumba za ndoto zetu ,watu wanashangaa ile nyumba ilopostiwa insta wanasema watu wataogopa guys IF YOUR DREAMS DONT SCARE YOU ,THEY AREN’T BIG ENOUGH.

Sasa basi NMB MORTGAGE LOAN ni mkopo wa uhakika ambapo wanachukua mali yako kama dhamana unaweza kutumuia hata nyumba uliyonayo kama dahamana kupata pesa.

Mkopaji utaingia kwenye makubaliano na Bank ya NMB ambapo utapata fedha cash kwanza /upfront halafu utalipia kwa kipindi fulani ambacho umepangiwa mpaka mkopo utakapo isha wote.

MKOPO HUU UNAWAHUSU KINA NANI???

Mkopo huu watapewa watu ambao ni wafanyakazi wa mkataba au wale ambao ni wakudumu /permanent wa serikali au wale wa mashirika binafsi( private institutions ) na wale wanaomiliki biashara.

NMB wanatoa mortgage loan za aina 3

  • Purchase /Ununuzi huu ni kwa wale wateja ambao wangependa kununua nyumba au apartment ,ambapo Bank itagharamiaka mpaka asilimia 90 ya bei ya kununulia /selling prince.
  • Refinance/equity release huu ni kwa mteja ambae ana miliki mali ambayo iko kamili yenye vibali vyote na angependa kupata hela cash kutoka kwenye mali yake/nyumba/kiwanja kuwekeza kwenye shughuli za kisheria.

 

  • Semi finish /Nusu ya kumalizia huu ni ule mkopo ambao utamsaidia mtu kumalizia nyuma zao kama ulijenga ukaishia njiani basi unapewa mkopo umalizie nyumba ,mkopo uta anzia kwenye Lenta /linter stage; hela zitatolewa kwenye hatua mbili ambazo ni Roofing/KUEZEKA  and Finishing/KUMALIZIA .

Features/Vipengele

  •   Kwa walioajriwa na kujiajiri
  •  Inahitajika tu Asilimia 10 ya bei ya kuuzia
  •  Mgao wa deni hauzidi asilimia 50
  • Competitive interest rate 17% in TZS and 9% USD
  •  Muda wa kulipa mkopo ni mpaka miaka 15
  • Mkopo wa chini kabisa ni TZS  Milioni 10 na Kiwango cha juu ni Millioni 700
  • Flexibility in term of reduction of the loan /Mkopo una badilika na kupungua
  • Kwa wake ambao wanapenda kuungana kuchukua mkopo inaruhusiwa

NINI UNAHITAJI KUWA NACHO ILI UPATE MKOPO???

  • Nakala  3 za sasa za pay Slip inayoonyesha ushahidi wa mapato yako
  • Vitambulisho halali vya mkopaji au wakopaji
  •  Nakala 3 zilizothibitishwa za miezi 3 ya taarifa za benki kama ni mteja mpya
  •  Barua ya kumbukumbu kutoka kwa mwajiri wako ambayo itaonyesha mshahara au mapato yako

  • Employment contract letter and application has any pending loan/ Barua ya mkataba wa kazi na barua ya maombi ya mkopo
  • Nakala zilizothibitishwa za mali unayomiliki /Certified copy of title Deed (to facilitate property valuation

FAIDA ZA NMB MORTGAGE LOAN

  •  Unaweza kutumia thamani ya mali yako ya sasa kufanya mabadiliko na kufanya repair ya nyumba yako /You could utilize the value in your existing property to do alterations and home Improvement
  • unakua na uwezo wa kufikia mahitaji binafsi /Ability to meet your personal needs
  • Utaweza kumaliza nyumba yako kwa muda mfupi/ You will be able to finish your house within short period of time

  • Inakupa nafasi ya kununua nyumba ya ndoto yako/Opportunity to purchase your dream house
  • Nyumba ina bima ya kifo na ulemavu wa kudumu /The loan is insured against death and permanent disability
  • unaweza kuzuia mapema mkopo na hakuna adhabu yoyote /Early liquidation is allowed no penalties for this

For more assistance, please visit your nearest NMB branch or call our toll free number – 0800 002 002

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