Punguzo ya riba ya mikopo benki na mitego yake

Na mwandishi wetu
Hivi karibuni kuna baadhi ya taasisi za kibenki zimejinasibu kwa wananchi kuwa zimepunguza riba ya mkopo.

Baadhi ya wananchi wamefurahi na kukurupuka kwenda kukopa fedha pasipo kuwa na jicho la kidadisi kuhusu hizi riba.

Ningependa nizungumzie suala la riba (rate) na impact zake kwenye mkopo.

Kimsingi kuna rates (riba) za aina mbili: Flat rate pamoja Reducing rate/Declining balance rate.

Flat rate ikiwa 10% is equivalent to 18% Reducing rate.

Flat rate ni mfumo ambao rate charges kwenye mkopo uliokopa through the tenure, yaani kama ulikopa 5M kwa flat rate ya 11% kwa muda wa miaka 5, utachajiwa 11% ya 5M throughout 5 years regardless kwamba unarejesha monthly na principal inapungua. Ndio maana rate unaweza kuona ni ndogo lakini riba yake cumulative ni kubwa.

Reducing rate ina base kwenye principal balance mfano kama ulikopa 5M kwa 18%, rejesho la kwanza itakuwa 18% ya mkopo yaani 5M, rejesho la pili ni 18% ya principal balance baada ya kulipa rejesho la kwanza, rejesho la tatu ni 18% ya principal balanca after second installment na kuendelea.

Kwa hiyo reducing rate ina advantage zaidi kuliko flat rate.
For marketing purpose mtu anasema anatoa mikopo kwa 11% ambayo utakuta ni flat rate which is equivalent 19.8% reducing  rate.
Ni vema tunavyoenda kukopa tujue rate offered ni reducing rate or flat rate.!!

Nadhani nimeeleweka otherwise consult your financial advised

Na kama umeshaingia mkenge hakuna namna kwa sababu customer' s ignorance is of the financial institution assets