7. Swali: Kama sio mwalimu, ninaruhusiwa kufungua akaunti katika benki ya MCB?

Size: px

Start display at page:

Download "7. Swali: Kama sio mwalimu, ninaruhusiwa kufungua akaunti katika benki ya MCB?"

Lindsay Maxwell
5 years ago
Views:

MASWALI YANAYOULIZWA MARA KWA MARA. 1. Swali: Ninawezaje kufungua akaunti binafsi ya benki? Jibu: Jaza fomu ya kufungulia akaunti ambapo utachagua akaunti binafsi.

1 MASWALI YANAYOULIZWA MARA KWA MARA. 1. Swali: Ninawezaje kufungua akaunti binafsi ya benki? Jibu: Jaza fomu ya kufungulia akaunti ambapo utachagua akaunti binafsi. Fomu zinapatikana katika tawi letu lililopo mtaa wa Samora, Dar es salaam pamoja na Makao makuu ya benki yaliyopo katika jengo la Mlimani Towers; pia unaweza kupata fomu katika tovuti yetu ya 2. Swali: Ni nini kinahitajika ili kuweza kufungua akaunti binafsi? Jibu: Yafuatayo ni mahitaji muhimu: Kitambulisho cha kazi (kama ni mwajiriwa) pamoja na barua ya utambulisho kutoka kwa mwajiri au ofisi za serikali ya mtaa Moja ya vitambulisho vifuatavyo: kitambulisho cha mpiga kura/ kitambulisho cha uraia/ hati ya kusafiria au leseni ya udereva. Kibali cha kazi/ makazi (kwa wasio raia wa Tanzania) 3. Swali: Je ninaweza kuhamisha pesa kutoka kwenye akaunti yangu kwenda katika mitandao ya simu? Jibu: Ndiyo, unaweza kuhamisha pesa kutoka katika akaunti yako ya MCB kwenda Tigopesa, Mpesa na Airtel Money. Ili kuweza kupata huduma za kibenki kutumia simu yako ya mkononi, unatakiwa uwe umesajiliwa na huduma hizo kwa kujaza fomu zinazopatikana katika ofisi zetu. Baada ya kusajiliwa utaweza kupata huduma kwa kupiga namba *150*09# 4. Swali: ninawezaje kujisajili na huduma za kibenki kwa kutumia simu? Jibu: ili kuweza kusajiliwa kwa huduma za kibenki za MCB Mobile kwa kutumia simu yako ya mkononi tembelea tawi letu lililopo samora au piga simu / kwa msaada zaidi. 5. Swali: Ninawezaje kufungua akaunti katika maeneo ambayo hakuna matawi ya MCB? Jibu: Fomu za kufungua akaunti na fomu za mikopo zinapatikana katika tawi letu lililopo mtaa wa Samora na Ofisi za Makao Makuu zilizopo jengo la Mlimani Tower, Dar es Salaam na katika ofisi zote za CWT nchi nzima. Pia unaweza kupakua fomu hizo kupitia tovuti ya halafu ijaze na kuambatanisha mahitaji kama yalivyoanishwa kwenye swali namba 2, na piga simu / kwa maelezo Zaidi. 6. Swali: Inachukua muda gani kuweza kufungua akaunti? Jibu: Kwa wateja wanaotembelea tawi la Samora, akaunti inafunguliwa papo hapo iwapo mteja atakuwa amekamilisha mahitaji yote muhimu. Kwa wateja wa mikoani, akaunti itafunguliwa ndani ya masaa 24 baada ya kupokea fomu iliyojazwa kikamilifu ikiwa na viambatanisho husika. 7. Swali: Kama sio mwalimu, ninaruhusiwa kufungua akaunti katika benki ya MCB?

2 Jibu: Ndiyo, kufungua akaunti kunaruhusiwa kwa mtu yeyote anayeishi Tanzania anayekidhi vigezo vyote muhimu. 8. Swali: Ni kiwango gani kinahitajika ili kuweza kufungua akaunti? Jibu: kiwango cha kufungulia akaunti kinatofautiana baina ya akaunti moja na nyingine. Kiwango cha chini kabisa cha kufungulia akaunti ni Shilingi 10,000/=. 9. Swali: Je kuna kiwango cha chini cha kuendeshea akaunti? Jibu: Ndio, hata hivyo kiwango hicho kinategemea na aina ya akaunti 10. Swali: Je nitapata kadi ya ATM iwapo nitafungua akaunti binafsi ya akiba? Jibu: Ndiyo, Kadi ya ATM inapatikana kwa akaunti ya Mwalimu savings, Akiba yangu, na Students savings account. 11. Swali: Ninawezaje kuomba mkopo kupitia MCB? Jibu: Unaweza kuomba mkopo kwa kutembelea tawi letu na kupata fomu ya mkopo. Wafanyakazi katika tawi letu watakuongoza katika hatua zote muhimu za kuweza kujaza fomu hiyo. Unaweza pia kupakua fomu ya mkopo kutoka kwenye tovuti yetu ya Yafuatayo ni mahitaji yanayohitajika ili kuweza kupata mkopo; Mwajiri lazima awe na mkataba na benki ya MCB. Hati 3 za mishahara ya karibuni (salary slip). Picha 2 za pasipoti zilizopigwa karibuni. Barua ya utambulisho kutoka kwa mwajiri. Barua ya kuthibitishwa kazini. Barua ya kuajiriwa/ mkataba. Nakala ya kitambulisho cha kazi. Nakala ya kitambulisho kimojawapo kilichothibitishwa kati ya vifuatavyo (kitambulisho cha kupiga kura, hati ya kusafiria, leseni ya udereva, kitambulisho cha uraia) Taarifa za kibenki ya miezi 3 (Bank statement) 12. Swali: Je mnatoa mikopo kwa waajiriwa wa sekta binafsi? Jibu: Ndiyo, wasiliana na tawi letu ili kuweza kujua kama kampuni yako ina mkataba na Mwalimu Commercial Bank kwa ajili ya huduma za mikopo. 13. Swali: Ninaweza kununua hisa za Mwalimu Commercial Bank kwa sasa? Nitapata wapi fomu ya maombi? Jibu: Ndiyo, hisa za Mwalimu Commercial Bank zinauzwa na kununuliwa kupitia mawakala wa Soko la Hisa la Dar es Salaam (DSE).

3 14. Swali: Ni kiwango gani cha riba kinatozwa kwa ajili ya mikopo? Jibu: Kiwango cha riba tunayotoza kwa mikopo kinatofautiana kutoka 18% hadi 22% kwa mwaka. 15. Swali: Ni aina zipi za mikopo mlizonazo? Jibu: Tuna aina mbalimbali za mikopo kama vile; mikopo ya walimu, wafanyabiashara wadogo, makampuni, magari, nyumba na wanafunzi. watu binafsi, 16. Swali: Je ni kwa jinsi gani ninaweza kuweka fedha kwenye akaunti yangu? Jibu:Kuna njia nyingi kama ifuatavyo ; 1. Kufika katika tawi letu lililopo Samora 2. Kutumia mitandao ya simu kuhamisha pesa kutoka Mpesa, Tigo Pesa na Airtel money kwenda benki, changua Mwalimu Bank kwenye orodha ya huduma za kifedha. 3. Wateja wetu wanaweza kuweka pesa kwenye akaunti zao za Mwalimu Commercial Bank kupitia matawi yote ya Benki ya TPB yaliyopo nchi nzima. 17. Swali: Je nikiweka fedha katika akaunti yangu ya Mwalimu Commercial Bank kupitia matawi ya benki ya TPB na mtandao ya simu inachukua muda gani salio kuonekana kwenye akaunti yangu? Jibu: Ukiweka fedha kwenye akaunti yako ya Mwalimu Commercial Bank kupitia matawi ya benki ya TPB au mitandao ya simu, fedha zinaingia na kuonekana kwenye akaunti yako papo hapo. 18. Swali: Inachukua muda gani kupata mkopo baada ya kuwasilisha fomu ya maombi? Jibu: Baada ya kuwasilisha maombi, na kusaini barua ya ofa, mkopo utatolewa ndani ya siku 7 za kazi. 19. Swali: Itachukua muda gani kupata mkopo baada ya kupitisha mshahara wangu MCB? Jibu: Baada ya kupitisha mshahara na kuwasilisha fomu ya maombi ikiwa na viambatanisho vyote, mteja atapata mkopo ndani ya siku 5 za kazi. Mwalimu Commercial Bank inatoa mikopo kwa wafanyakazi wanaopitisha mshahara na wasiopitisha mshahara. Lakini, wateja wanaopitisha mishahara yao Mwalimu Commercial Bank watapewa punguzo la riba na pia wataweza kupata mkopo wa dharura yaani, MCB Salary Advance. 20. Swali: Mna mipango ya kufungua matawi mikoani? Jibu: Ndiyo, tuna mipango ya kufungua matawi mikoani katika siku za usoni. Lakini kwasasa tupo katika mchakato wa kufungua ofisi ndogo katika mikoa ya Morogoro, Mbeya na Mwanza. 21. Swali: Je mnanunua mikopo kutoka benki nyingine? Jibu: Ndiyo, Mwalimu Commercial Bank inanunua mikopo ya wateja watakaokidhi vigezo na masharti yaliyowekwa.

4 FREQUENTLY ASKED QUESTIONS (FAQS); 1. Q: How do I open a Personal bank account? A: Fill in the account opening form in which you will tick the personal account option among many others. 2. Q: What are the requirements to open a personal bank account? A: Find below minimum requirements: o Employee identity card (if in employment) together with any of Voter s registration card/national identity card/passport/driving license o Resident/Work Permit (For non-residents only) o An introductory letter from employer or government official o Proof of physical address 3. Q: Can I transfer money to mobile wallet from my account with MCB? A: Yes, you can transfer money to Tigopesa, Mpesa and Airtel Money from your MCB account. To get access to mobile banking you must first be registered with mobile banking. The code that MCB is using is *150*09 then you will be able to access the Menu. 4. Q: How do I register with mobile banking? A: To be registered with MCB mobile banking visit our branch or call /558 for assistance. 5. Q: How can I open my account in areas where there are no MCB bank branches? A: Account opening and loan application forms are available at our branch along Samora avenue and Head Office located at Mlimani Tower both in Dar es salaam and also TTU offices across the country. You can also download the forms from our website 6. Q: How long does it take to open an account? A: For customers visiting Samora branch, account will be opened on the same day as long as all the requirements are met. For upcountry customers, the account will be opened within 24hrs after receipt of duly filled application forms and respective attachments. 7. Q: If I am NOT a teacher, am I eligible to open an account with MCB bank? A: Yes, account opening is open to all people residing in Tanzania meeting our minimum KYC requirements. 8. Q: What is the minimum account opening balance? A: Minimum opening balance differs from one product to the other. However, the lowest opening balance is TZS 10,000/= Q: Do you have minimum account operating balance? A: Yes we do, however, the amount depend from product to product. 9. Q: Will I get an ATM card if I open a Savings account? A: Yes, but only for transactional savings account such as Mwalimu savings account, Akiba yangu and Students savings account. Other savings account do not have ATM cards

5 10. Q: How can I apply for a personal loan with Mwalimu Commercial Bank PLC? A: You can apply for a personal loan by visiting our branch and collect loan application form. Our staff at the branch will guide you on all necessary steps. The following are the requirements to apply for a personal loan: - Employer must have an Contractwith MCB bank 3 Original recent payslips 2 passport size photo Introduction letter from employer Confirmation letter Appointment letter / contract Work ID copy Copy of either; Voter s ID, Passport, Drivers licence, National ID Bank statement (If applicable) Copies of securities (where applicable) 11. Q: If I am a teacher and NOT a member of TTU can I get special preference / treatment? A: All government teachers, members and non-members are treated equally. 12. Q: Do you offer loans to employees from private sector? A: Yes, consult our branch to find out if your company is approved for loan services. 13. Q: Can I buy MCB shares now? Where will I get the application forms? A: Yes, MCB shares are now available and traded through Dar es salaam Stock Exchange (DSE). You can buy them through approved DSE brokers. Get their contacts through the DSE Website. 14. Q: What are the interest rates you offer for loans? A: Interest for loans ranges from 18% to 22% p.a. on reducing balance method. Preferential rates are given to customers channelling their salaries through MCB. 15. Q: What kind of loan products do you have? A: We have different kinds of loans such as; Micro loans, SMEs and Corporates, Asset Finance, Mortgage and Student loans. As for consumer loans we are currently offering Mwalimu Personal loans and other Personal loans. 16. Q: What makes you different from other banks? A: MCB bank is different from other banks in various ways such as affordable services to all the public and best product solutions, efficiency and the best of all is that we are registered in the stock market (DSE) which gives customer a chance to own a bank through shares. 17. Q: Do you have any means of your customers making deposits to their accounts with your bank through other means? A: Yes, apart from using Mobile Network Operators (MNOs) transfer funds from Wallet to Bank, our customers can also use Tanzania Postal Bank branches to do so. 18. Q: How long does it take to get a personal loan after submitting my application form? A: After signing an offer letter the loan will be disbursed within 7 working days. 19. Q: How long do I need to pass my salaries at MCB for me to get loan? A: For teachers NOT necessary to pass salary, deductions will be done via Government treasury; monthly repayment will be captured through lawson system. However, customer channelling their salaries through MCB will be given preferential interest rates.

6 20. Q: Why did you call your bank Mwalimu Commercial Bank? Do you segregate other customers? A: Mwalimu Commercial Bank Plc. (hereinafter referred to as MCB ) does not segregate any customer. The genesis of this name came from teachers who are the founders; However, the bank s objective is to empower teachers and the public at large. 21. Q: Do you have any plans to open branches in upcountry? A: Yes, we have a plan to open branches in upcountry. 22. Q: Do you have mobile banking services? A: Yes we do have efficient mobile banking services, that allows you to transfer funds both from Mobile wallet to Bank and from bank to mobile wallet. 23. Q: If I have loans from other banks, will MCB bank buy them? A: Yes, MCB bank will buy loans from selected lenders, if a customer meets the terms and conditions provided. 24. Q: Is this a bank for teachers ONLY? A: NO, this bank offers services to teachers and non-teachers. 25. Q: If I am NOT a teacher can I open Mwalimu savings account? A: NO. You can open Akiba Yangu savings or any other product that meet your demands. 26. Q: Is Mwalimu Savings account ONLY for teachers who are TTU members? No. This product is available to all teachers in Tanzania, regardless of TTU membership status. 27. Q: Can I withdraw up to zero (0) balance? A: No, we have a minimum operating balance that differs from one account product to the other, ranging from TZS 2000/- to 10,000/- for individual accounts.

Freequently Asked Question Maswali na Majibu

Freequently Asked Question Maswali na Majibu www.amanabank.co.tz Freequently sked Question Maswali na Majibu mana Bank Operations Q1 Why does your bank have many branches in Dar es Salaam? Dar es Salaam is a business city with high population compared