Fellas, i want your opinion.

kyuktothecore · April 22, 2018, 7:23pm

Is that 5k monthly charge anchored in law ama some busybody at HELB just decided to pull it outta his ass? No Okiya Omtatah to challenge it’s legality? Alafu kwani HELB pia huitisha guarantors?

Greedy_Genius · April 22, 2018, 7:29pm

They ask for two guarantors.

kyuktothecore · April 22, 2018, 7:51pm

Ok, didn’t know that. Lakini if government regularly bails out mismanaged companies like Mumias, Webuye Paper Mills and coffee farmers, and wastes billions on useless projects, why can’t they waive these loans, say every 5 years? The way I see it, if you received your loan and played your part i.e. graduated from university but have gone for like 10 years without a meaningful job, then the government has an obligation to clear that loan on your behalf. Imagine someone who graduated but has been living hand to mouth. This guy tries to start a business but cannot access loans from financial institutions because HELB already forwarded his details to CRB. Hapo ndio hata jamaa wa nduthi mwenye alidrop out akiwa class eight hukuuliza “sasa wewe juu ulipata degreeee, umenishinda na nini?”.

Dunya · April 22, 2018, 9:33pm

kyuktothecore:

Ok, didn’t know that. Lakini if government regularly bails out mismanaged companies like Mumias, Webuye Paper Mills and coffee farmers, and wastes billions on useless projects, why can’t they waive these loans, say every 5 years? The way I see it, if you received your loan and played your part i.e. graduated from university but have gone for like 10 years without a meaningful job, then the government has an obligation to clear that loan on your behalf. Imagine someone who graduated but has been living hand to mouth. This guy tries to start a business but cannot access loans from financial institutions because HELB already forwarded his details to CRB. Hapo ndio hata jamaa wa nduthi mwenye alidrop out akiwa class eight hukuuliza “sasa wewe juu ulipata degreeee, umenishinda na nini?”.

Wacha mentality ya sirkal saidia. Watu wakijua kuna waiver every five years nani atalipa

kyuktothecore · April 22, 2018, 9:56pm

Of course itakua na terms and conditions. With digitization of records, it’s becoming harder for people to hide. Before, only people who were employed could be reached to repay their loans. Now, even self employed people can be tracked down e.g through their tax records. I’m just thinking if the government has all your records for at least a decade, and can prove that you’ve been genuinely unable to pay, you deserve to have the slate wiped clean. If all these new policies are implemented, i.e. cooperation between HELB and KRA, immigration and various other government agencies, then it will be in peoples best interests to repay their loans. HELB should even go a step further and sign agreements with foreign governments to track down these people who flee and fail to remit payments, in the belief that they won’t come back to Kenya. If, after coming under this severe pressure, someone is still unwilling/unable to pay, then maybe they deserve to be assisted.

kasaman · April 23, 2018, 3:47am

Gurantors pay the loan …helb no guarantors but heavy fine that accumilates so first.atapatwa na. KRA

Kenjatta · April 23, 2018, 4:48am

Una shida brother.

system · April 23, 2018, 6:14am

Wueeh.

Oxygen · April 23, 2018, 6:35am

Nilifanya hivyo last year na nikaharass watu huko nikipewa clearance certificate

Oxygen · April 23, 2018, 6:37am

since when? sijawahi sikia story ya guarantors ama mimi ni old skool hivyo?

system · April 23, 2018, 6:47am

Guarantors huwa wawili unless ulisomea enzi za akina Makau Mutua

Old_Monk · April 23, 2018, 7:24am

Hahaha
That’s nothing to brag about

Greedy_Genius · April 23, 2018, 7:46am

Theres a relative o

kyuktothecore:

Of course itakua na terms and conditions. With digitization of records, it’s becoming harder for people to hide. Before, only people who were employed could be reached to repay their loans. Now, even self employed people can be tracked down e.g through their tax records. I’m just thinking if the government has all your records for at least a decade, and can prove that you’ve been genuinely unable to pay, you deserve to have the slate wiped clean. If all these new policies are implemented, i.e. cooperation between HELB and KRA, immigration and various other government agencies, then it will be in peoples best interests to repay their loans. HELB should even go a step further and sign agreements with foreign governments to track down these people who flee and fail to remit payments, in the belief that they won’t come back to Kenya. If, after coming under this severe pressure, someone is still unwilling/unable to pay, then maybe they deserve to be assisted.

The loan application forms have a place for the guarantors to sign.

Ubongo · April 23, 2018, 8:06am

The fine accumulates very fast

kiLo · April 23, 2018, 9:21am

Niliwaambiya hao watu wa loan tusisumbuane. Ntangoja ifike meter moja ntawalipa cash pap.
Nilipigiwa simu eti kuna tumtu tunazunguka kaplot kangu. Tulimalizana mambo ya loan a bit over a month.
Kuna vitu zingine utalenga, then zitakuuma makende

patco · April 23, 2018, 4:11pm

kyuktothecore:

Ok, didn’t know that. Lakini if government regularly bails out mismanaged companies like Mumias, Webuye Paper Mills and coffee farmers, and wastes billions on useless projects, why can’t they waive these loans, say every 5 years? The way I see it, if you received your loan and played your part i.e. graduated from university but have gone for like 10 years without a meaningful job, then the government has an obligation to clear that loan on your behalf. Imagine someone who graduated but has been living hand to mouth. This guy tries to start a business but cannot access loans from financial institutions because HELB already forwarded his details to CRB. Hapo ndio hata jamaa wa nduthi mwenye alidrop out akiwa class eight hukuuliza “sasa wewe juu ulipata degreeee, umenishinda na nini?”.

kyuktothecore:

Of course itakua na terms and conditions. With digitization of records, it’s becoming harder for people to hide. Before, only people who were employed could be reached to repay their loans. Now, even self employed people can be tracked down e.g through their tax records. I’m just thinking if the government has all your records for at least a decade, and can prove that you’ve been genuinely unable to pay, you deserve to have the slate wiped clean. If all these new policies are implemented, i.e. cooperation between HELB and KRA, immigration and various other government agencies, then it will be in peoples best interests to repay their loans. HELB should even go a step further and sign agreements with foreign governments to track down these people who flee and fail to remit payments, in the belief that they won’t come back to Kenya. If, after coming under this severe pressure, someone is still unwilling/unable to pay, then maybe they deserve to be assisted.

hizi jibu zako refu ni za nini? Kujaza tu server na makelele mingi. Condense your diverse thoughts into short statements.

system · April 23, 2018, 4:13pm

Nyani haoni Kolunde

patco · April 23, 2018, 4:16pm

si ndio haoni. na vile ana ni attack na yeye mwenyewe anaandika blocks of redundant text. nyef nyef nyef Webuye paper mills.

system · April 23, 2018, 4:41pm

the nyani in this case is you

patco · April 23, 2018, 5:14pm

Duh! What do you think I came to this thread for? To like his stupid comments? I just followed what I suspect is another of your handles to see how long ‘his’ own comments usually are, since he is the local authority on word count. Turns out he preaches water and drinks wine.