HOME ISSN 1821-8520
of PROPERTIES
ISSUE No. 65 December -2017
Tanzania
Tsh. 5,000/=
End of Year
PROPERTY DEALS FIGHTING AGAINST MONEY
LAUNDERING
Tis X-MASS
Decor Tips
in Real Estate
NHC marks another milestone
From CEO’s Desk developing and offering tailor-made solutions that suit the emerging trends. In this special edition as we mark the end of the year, we are proud to share with you some exciting offers and thrilling educative articles. We have lots of property for rent and sale at wonderful offers, surveyed plots both at the beach and other prime areas. The choice is yours. Special congratulations to NHC for reaching yet another milestone by officially launching their head office in a memorable ceremony that featured the installation of Mwalimu Julius Nyerere’s statue.
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It will be a great mark for the young and future generation to remember him and history of our beautiful nation. Last but not least, we would like our special thanks to go to all our business partners including advertisers, article contributors, printers, our staff team and all well-wishers.
Emillian Rwejuna - CEO reetings and appreciation from Prime Location family, 2017 has been a wonderful journey, full of success, challenges and great experiences all the way from January to December.
We strongly believe 2018 will be a great year full of new opportunities. Let’s take a short break and ensure we get back full charged and ready to run another 365 days race.
As we end the year we would like to thank you for your great support and dedication to your favorite property magazine in Tanzania. It has been learning curve full of surprises especially to those who believed in the business as usual approach. The property market has experienced changes in almost all frontiers starting from construction, selling and leasing for both residential and retail properties.
Last, on behalf of the entire Prime Location Family we wish you A MERRY CHRISTMAS AND PROPES PEROUS NEW YEAR.
The good news is, all outcomes have in general solidified the industry and paved new road map to move forward by accommodating new demands and changes including
Managing Director
TEAM
All rights reser ved.
Managing Director Emillian Rwejuna
Real Estate Agent Diana Charles
Design & Layout Daudi Mwaibula
Distribution Nathan J. Kasekwa
Sales & Marketing Tu l i p o G a b r i e l Kareen Whitsun
Published & Distributed by Prime Location Investments L i m i t e d , P. O . B o x 3 4 6 8 3 , D a r E s S a l a m , Ta n z a n i a
Revenue & Admin Manager Brown Makelele Grace Kisaka Sales & Marketing Coordinator Nancy I. Kisamo
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While every care has been taken in the preparation of this publication, the publishers can accept no l i a b i l i t y f o r a n y e r r o r s o r o m i s s i o n s t h a t m a y o c c u r. This publication is the exclusive property of the publishers and no part of the contents may be reproduced in any form prior written permission of the publishers.
Te l : + 2 5 5 7 6 7 7 1 1 1 2 0 pli@primelocationtz.com, www.primelocationtz.com
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Issue No. 65 December -2017
CONTENTS FIGHTING AGAINST MONEY LAUNDERING Part 1
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NHC launches its new home Kambarage House
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LETTING Masaki| Oysterbay
Exciting times as NMB rolls out mortgage loan
DUPLCATE KEYS RISKS IN APARTMENT MANAGEMENTS
When solar water heaters come in handy
The sky is the limit with Jubilee Life Insurance’s Fanaka Plan
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12
the Seasons to 26 Tis Decorate
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LETTING Mbezi Beach | Mikochen
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LETTING Upanga | City Centre
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Issue No. 65 December -2017
NHC launches its new home Kambarage House
Kambarage House-NHC Head Office
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By Staff reporter
fter the successful completion of their new office, National Housing Corporation finally launched its headquarters in Dar es Salaam, christening the new home as Kambarage House. The proceedings of the day that came a week before the unveiling of the Iyumbu project in Dodoma also featured the inauguration of the Mwalimu Julius Nyerere statue in the Mwitongo Gardens. Speaking at the inauguration National Housing Corporation’s Director General Nehemia Mchechu said it was a great pleasure that they now finally have a home in Tanzania’s commercial capital’s CBD.
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“As you are aware in the beginning we were operating from Temeke but because of the changing times we had to invest in having a new office to come closer to our clients who are mostly in the city centre,” said Nehemia Mchechu. According to Mr Mchechu the seven-storey building cost the
corporation a handsome Sh26 billion was built by CRJE and it covers 13,810 square meters. “This house has been awarded the Green Building Certificate for having taken into issues of environmental issues into consideration during its construction,” he said.
Hon. William Lukuvi Minister of Lands, Housing and Human Settlements Development Officially launching Kambarage House-NHC Head Office. Others from left: NHC Director General Mr. Nehemiah Mchechu and NHC Board of Directors Deputy Chairman Mr. Ali Laay
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On the choice of featuring Mwalimu’s statute Mr Mchechu said it was in the honour of the Father of nation for his foresight and desire to see every Tanzanian get access to decent housing. Continue on Pg 24
Issue No. 65 December -2017
BARCLAYS IS YOUR ONLY CHOICE FOR OWING A NEW HOME The mortgage market in Tanzania has been growing steadily as the pace of housing investment has picked up. Factors attributed to this increase include favourable interest rate environment during the year, increased awareness on mortgage loans among borrowers, public awareness campaign by major banks as well as the launch of mortgage loan products. In line with ensuring that Barclays Bank Tanzania Limited (Barclays) deliveries on its promise to help its customer Prosper, it will be offering its customer the opportunity to also own a home. At Barclays, we believe that owning a home is the most satisfying gift one could ever have. We have now made it possible for your dream to come true through our home loan product.
Our Mortgage options Ordinary home loan: For purchasing a residential house.
Equity release: A customer can borrow money against his/her existing house and use the money for business expansion or to put up more homes.
Benefits of our home loan • • • • • • • • • •
Opportunity to own a home Opportunity to renovate an existing property Opportunity to purchase a bigger home or release equity Competitive interest rates Manageable instalments Quick turnaround time Dedicated mortgage team that provides knowledge and expertise in the home loan buying process Flexible repayment period of up to 20 years Credit protection that covers death and disability Protection against fire
How to apply Talk to any one of our Relationship Managers today, complete an application form and return it to us or consult one of our mortgage specialists on: +255 767 213 220 or +255 753 210 342
Move In. Prosper. B a r c l a y s Ta n z a n i a L i m i t e d , r e g i s t r a t i o n n u m b e r 3 8 5 5 7 , h a v i n g i t s r e g i s t e r e d o f f i c e a t B a r c l a y s
H o u s e , O h i o S t r e e t , P. O . B o x 5 1 3 7 D a r e s S a l a a m , Ta n z a n i a , r e g u l a t e d b y t h e B a n k o f Ta n z a n i a .
Exciting times as NMB rolls out mortgage loan • Lower interest rate of 17% • Only 10% deposit required • No early repayment penalty • No arrangement fee for the next 5 months • Available at 250 branches all over the country
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anzania like many other developing countries across the globe is faced with a housing shortage that figures at 3,000,000 or even higher as per NHC statistics. Yet the number of homes that are being built annually is in the range of 16,000 units which is a rather negligible fraction of the actual need which stands at 200,000 units. NMB Bank this month has introduced a new mortgage scheme which is expected to encourage and enable many Tanzanians to own their dream homes on the outright purchase, finish their homes under construction( from linter stage ) or use their current homes to access fund for other businesses. Speaking to Prime Location magazine NMB’s Mortgage Manager Ms Miranda Lutege said the bank’s mortgage takes care of homes outright purchase, finishing ongoing construction (starting from linter stage) and refinancing for other business. “The bank’s mortgage loan facility offers customers options of choosing from purchasing for those who want to buy houses, refinancing for those who own a titled property and would like to get a cash release from their property to invest in other activities or finishing the construction of a house for those who would want to get money to complete the construction,” said Ms Lutege.
She adds, for the outright purchase the client is required to deposit with NMB bank as low as 10 per cent of the house total buying price and the bank will finance the balance which is 90 percent of the total amount. The amount is directly paid to the seller or developer of the house. Whereas those who are opting for the home finishing mortgage facility, the house should be at the linter stage and will not be required to deposit any amount. According to Lutege NMB bank has become the first bank to offer a lower interest rate of 17% with the minimum amount being TSh10 million while the maximum is TSh700 million. “The aim is to offer solutions to challenges facing Tanzanians in building and owning homes….In Tanzania, buildings belonging to individuals are often gradually constructed through savings and takes long time to accomplish their mission. We now offer this loan, which brings together the entire sum needed to own or build a dream home,” she said. The scheme targets employees form various private and government institutions, self-employed and Tanzanians in the diaspora who were once not eligible for such loans. The repayment period of the entire loan is pegged at 15 years but should a client opt for early repayment, he or she can do so after six months without having to suffer a early repayment penalty as is the case with some lenders.
NMB bank has become the first bank to offer a lower interest rate of 17% with the minimum amount being TSh10 million while the maximum is TSh700 million. To make it even more exciting the bank charges an interest rate of 17 per cent and in the next five moths the loan applicants will be waived from arrangement fees. To qualify for the mortgage loan, the house should have a clear title deed and the applicant should have legitimate source of income. “It is not a must that the applicants should have an account with NMB bank at the time they lodge in their application, it becomes a necessity after the facility has been processed,” she said. The facility can be accessed at all the 250 NMB branches throughout the country. Close with other services key offered by the bank.
The sky is the limit with Jubilee Life Insurance’s Fanaka Plan By Staff reporter
• Own your dream home • Buy your dream Car • Capital to start your own business • A holiday to your dream destination Life is full of surprises and sometimes we leave it to fate to decide what we do and who we become. However, in today’s world one take control and shape their future. Dreams are sometimes quashed as some misplaced illusions, yet if well nurtured they eventually do come true. We all have aspirations for a better future, owning something or accomplishing certain goals, the question then becomes, how do you do this? It is at this point that a life partner in terms of an insurance policy sets in. Jubilee Life Insurance, one of the leading insurance companies in East Africa has come up with Fanaka insurance, a policy that enables the holder to invest in their dreams. According to Mr. Sumit Gaurav, the General Manager, Jubilee Life Insurance Corporation of Tanzania Limited, the Fanaka plan is tailored to help people achieve their dreams. It is a life insurance policy that enables you build a fund over a period of time so as to enable you to meet any financial needs, such as buying a dream home for your family, purchase of that dream car, cater for major life events like marriage or graduations. The Fanaka plan can also set you off to financial freedom by offering you seed capital for your business.
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“Through Fanaka you insure your future dream starting from Sum Assured of Sh5 million to unlimited amount,” he says.
Why Fanaka?
The policy is not an equivalent of a bank loan according to Sumit Gaurav, it guarantees achievement of the dream plus a bonus without paying financial interest. “This plan allows for a disciplined, systematic and relaxed way of saving for a specific future financial need.” He adds: Most people consider taking a loan from financial institutions so as to enable them meet their financial requirements. The Fanaka plan works as the perfect alternative to this option as you will receive your required savings plus bonus accrued during the policy term upon maturity of the policy or upon the occurrence of the event. It inculcates a habit of saving, caring for the dependent’s needs in case of death of the bread winner in the family. The policy does what many others have not in the past, in the event of accidental death, an additional amount equal to the sum assured will be paid. The policy also takes care of total and permanent disability if the customer opts for this. Under
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amount equal to the sum assured will be paid to you over a period of 36 months and on maturity day you will receive the sum assured amount.“Premiums will be waived in the event that one becomes totally and permanently disabled and the policy will remain in force.”
Fixed premiums and flexible term
The sum assured and premiums are determined at onset and they remain fixed throughout the term of the policy. The plan is flexible ranging from 5 to 20 years chosen by the insured and this depends on when they require the funds.
What is the age limit?
The minimum age at entry is 18 years while the maximum age at entry is 65 years. The maximum age at maturity is 70.
How can I apply for the policy?
Call Jubilee Life Corporation of Tanzania Limited, Toll Free Number 0800783030 to talk to our Customer Service Representative. OR Write to Life@jubileetanzania.com so that our Sales Representative can timely revert to you to help you calculate the premium. Please contact us for more information: Tel: 0800783030 Email:Fauzia.hamad@jubileetanzania.com
Issue No. 65 December -2017
When solar water heaters come in handy
By Staff Reporter
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eating water is very expensive as it requires a huge amount of energy. It is believed that 18 per cent of domestic energy is used to heat water. In most homes in Dar es Salaam people still heat their water using electricity or charcoal stoves which is the most expensive way to heat water. Domestically, life would be pretty miserable without hot water, and in some manufacturing businesses, hot water is the lifeblood. However, there are times when you are not guaranteed that warm shower
in the morning even when you want it that bad, it doesn’t come out of a personal choice but one that is rather forced on you.At times when power supply is sometimes just what it is-unreliable, you definitely need a fall back plan, one that is reliable and affordable as well. It is at such times that Chloride Exide water heaters come into the picture given its outstanding performance that has made it the go to water heater over the years. Speaking to Prime location Gabriel Odongo of Chloride Exide says solar water heating systems are a great way to reduce energy costs associated with heating water instead of relying on electricity. “It is cheap and clean energy which always available especially in a country like Tanzania where you have sunshine throughout the year. Solar energy is free and abundant even in cloudy weather,” says Gabriel Odongo. According to Odongo with Solar water heaters that they currently supply, you are assured of your warm showers at any time of the day as one may wish. “In the beginning not many people understood why it was necessary for them to move from the traditional ways of heating water to using solar
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Issue No.65 December -2017
heaters. This perception is changing especially after they realise how cheap it is compared to other energy sources,” he says. Chloride Exide that celebrates 20 years of their operations in Tanzania has been instrumental in changing this perception after installing the panels at International School of Tanganyika, the Canadian Embassy and several other buildings in the City of Dar es Salaam. “The prices have remained affordable especially with the fact that we offer the client a product that will last for up to 15 years,” says Odongo. The water tanks that they offer currently take between 120 liters to 300 liters but according to him this upgradable to a bigger capacity. He advises that it is usually a good idea to get a professional installer to view your house to check if your roof is suitable and also to check how efficient your panels will be. “There may be too many trees or other types of shading around your house to provide a return on your investment,” he adds. His call to customers and the general public is that there has never been a perfect time to get a solar kit than now for it will reduce your dependence on fossil fuels.
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MASAKI/OYSTERBAY/MSASANI PENINSULA BRAND NEW 4 BHK APARTMENTS FOR RENT SLIPWAY MASAKI
3 bedroom Luxury Apartments to LET at Sea Rock Challet, Slipway
This stunning, modern, furnished apartment is situated in Masaki at Slipway area. Offering convenient access to all key places such as Double Tree Hotel, Yacht club, Coral beach Hotel and Sea Cliff Hotel and easy sea escape to Mbudya and Bongoyo islands. AMENETIES: • Backup generator • Elevators • Electrical wall fence with 24/7 security service. • Swimming Pool • Fully Equipped Gym • Water reservoir facilities • Parking space
Tell: 0767 711120 / 0714 031906 Email: sales@primelocationtz.com
BRAND NEW BEACH APARTMENTS FOR RENT/SALE MSASANI PENINSULAR
With stylish interior design and superior finishing. These apartments will inspire you with its style and elegancy. Are fully furnished, comprising of 4 bedrooms, spacious living and dining space, quality and well done kitchen.
If you are looking for modern sleek living with full ocean views then this is for you! Very glorious and spacious with 380sqm. They comprise three bedrooms all en-suite. The apartments are modern with quality fixtures offering sea views around the clock.
Other Amenities • Swimming pool • 24hrs security • 2 cars parking space each
Tell: 0767 711120 / 0714 031906 Email: sales@primelocationtz.com
Features and Amenities: • High quality furnished • Swimming pool • Basement car parking space • Gym and Yoga room with magnificent ocean view • Ground floor apartments have large private garden (approx. 50sqm) • Full time CCTV cameras • Solar water heater for each apartment
Tell: 0767 711120 / 0714 031906 Email: sales@primelocationtz.com
Prime Location - Home of Properties Issue No.65 December -2017
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FIGHTING AGAINST MONEY LAUNDERING Part 1 The Concept of Money laundering
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very year, huge amounts of funds are generated from illegal activities such as drug trafficking, tax evasion, people smuggling, poaching, theft, arms trafficking, fraud and corrupt practices. These funds are mostly in cash form. The criminals who generate these funds need to bring them into the legitimate financial system and economy without raising suspicion. Money laundering is the name given to the process by which illegally obtained funds are given the appearance of having been obtained legitimately or money laundering is the processing of criminal proceeds to disguise their illegal origin. In principle, money laundering is committed after committing certain crimes and obtain proceeds of crime. They include among others illicit drug trafficking, corruption, illicit arms trafficking, kidnapping, extortion, tax evasion, trafficking in human beings and smuggling immigrants, sexual exploitation, armed robbery, counterfeiting, piracy, etc. Money laundering is a tool that is used by people involved in illegal activities, such as drug trafficking, organised crime, tax-evading, political bribery and above all, corruption. The terrorist events of 1990s and 2000s like bombing of US Embassy in Dar es Salaam and September 11th bombing of Twin Towers in the United States have added another dimension to the problem of money laundering and brought to light the synonymity between money laundering and terrorism financing. The scourge of money laundering is not new to mankind. Despite money laundering being topical in policy discussions nowadays and on the minds of stakeholders, supervisors and regulators, the scourge itself has a long history and could be as old as the history of organized trade. Nonetheless, in spite of the fundamentals of the crime remaining, largely, the same as in the olden days, recent advances in technology and globalisation have offered and will continue to offer more sophisticated means to convert ill-gotten proceeds into legally acceptable financial assets. In recent times, money laundering has grown into real big business. As a
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percentage of world economic output, money laundering is estimated to account for about 2% to 5%. Obviously, given the secrecy and the illegal nature of this business, it is difficult to tell exactly the extent of money laundering. Nevertheless, the figure gives us an indication of the magnitude of the problem.
Why fight money laundering? The fight against money laundering is inevitable due to the fact that money laundering has serious effects on any country’s economic, political and social structures; it may increase the risk of bank failures, can affect country’s reputation and scare away honest investors and erodes the integrity of the financial system. Failure to prevent money laundering would allow criminal organizations to accumulate considerable economic and financial power, which can ultimately undermine national peace, security and stability. Let us look at one example of undermining legitimate private sector efforts to illustrate how serious money laundering effects are. Money launderers use front companies, to disguise the proceeds of illicit activities and in the process hide the ill-gotten gains.
These companies have access to substantial illicit funds, therefore allowing them to subsidize the front company and offer it’s products and services at levels below market rates. At times they quote prices, which are below production cost. This explains why front companies have competitive advantage over companies that source their funding from the financial markets. This makes it difficult, if not impossible, for legitimate business to compete against such companies. This situation may lead to the crowding out of legitimate private sector businesses by criminal entities. Clearly, such criminal enterprises would not adhere to good corporate governance practices as legitimate businesses would.
Fighting against laundering
Money
ing Act (AMLA) in 2006 and the AntiMoney Laundering and Proceeds of Crime Act (AMLPOCA) in 2009 which are applicable in Tanzania Mainland and Zanzibar respectively. Tanzania established Financial Intelligence Unit whose primary function is to receive suspicious transactions reports and various reports from reporting persons, analyse those reports and if there are reasonable grounds to suspect money laundering disseminate financial intelligence to Law Enforcement Agencies (LEAs) for investigation and possible prosecution. Tanzania has further made significant progress to improve its AML/ CFT regime including by: adequately criminalizing money laundering and terrorist financing; establishing and implementing adequate procedures to identify and freeze terrorist assets; improving and broadening CDD measures and record keeping requirements; and designating authorities to ensure compliance with AML/CFT requirements. Both, AMLA and AMLPOCA have identified various reporting persons including among others; Banks and Financial Institutions, accountant, real estate agent, dealer in precious metals and stones, dealer in works of art, attorneys, notaries and other independent legal professionals, etc. Reporting persons have obligations to comply with AML legislation by among others, carrying out customer due diligence (CDD), monitoring transactions, record keeping, reporting suspicious transactions and establishing internal reporting mechanism. Reporting persons are required to identify and verify the information or particulars of their customers. They have to establish the true identity of their customers to ensure they really know their customers (KYC). FIU and regulators are mandated to monitor and enforce compliance of the reporting persons or regulated entities. It includes conducting onsite and offsite inspection and imposing administrative sanctions for non compliance. The real estate sector in Tanzania is among economic sectors that are vulnerable to money laundering risk.
Cognizant of serious economic, social, political and security that money laundering can inflict, the United Republic of Tanzania has taken a number of measures in fighting against money laundering. Tanzania enacted the Anti-Money Launder-
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MASAKI/OYSTERBAY/MSASANI PENINSULA 4 BEDROOM APARTMENTS FOR RENT IN MSASANI PENINSULA
BRAND NEW 4 BEDROOM VILLA FOR RENT– OYSTERBAY
Elegant, fully furnished 4 bedroom villa (all rooms En-suite) with modern and spacious bathrooms. Well equipped kitchen, furnished living room and dining area. Scenic views and much more. They are spacious offering ample parking space.
Tell: 0767 711120 / 0714 031906 Email: sales@primelocationtz.com
BRAND NEW SINGLE BEDROOM FOR RENT – MSASANI PENINSULAR A home by the beach is never a bad idea! New, 4 bedroom, fully furnished apartments on the beach with large balconies could be your next home! This apartment has a well fitted spacious kitchen, Dining Area, a store room and a beautiful Living Room AMENITIES • Swimming Pool • 24 Hours Elevator Services •Ample Parking Space • CCTV Cameras with High-end Security Gadgets •Water Reserve Facilities •24 Hours Standby Generator for Backup Power • Big Spacious Roof Terrace • Collection of House Hold waste Facility provision •24 Hours Security • Gym fully Equipped with High-Tech appliances
A rather cozy apartment with a blend of style, primly located at the Msasani peninsula. What could make a better home?
FEATURES
Viewing on enquiry Tell: 0767 711120 / 0714 031906 Email: sales@primelocationtz.com 20
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Issue No.65 December -2017
• 2 bedroom en suite • Walk in closets • Large infinity swimming pool • Basement car parking • Solar water heater for each apartment • YOGA and GYM with ocean views NOW AVAILABLE FOR LONG OR SHORT TERM STAY.
Tell: 0767 711120 / 0714 031906 Email: sales@primelocationtz.com
THE BITTER & SWEET OF MONTHLY RENT PAYMENT SCHEME • Tenants to gain • Landlords to lose • Real Estate Agents to gain • Property developers to gain
O
ver 60 per cent of ur-
that
a law in the
in time. This ought to be a win-win
ban dwellers in Tanzania
offing, one that will force landlords
situation but for the landlords this is
live in rented properties
to charge one monthly rent and not
a loss as they will lose the cushion of
taking up to 40 per cent of their
otherwise as opposed to current
annual or six months’ pay that was
incomes according to Data from
practice
once their fallback position. But as
Tanzania
there
was
Tenants Association.
the landlords may find this rather
Unfortunately, these tenants have
The proponents of the upcoming
an inconvenience this offers it could
to bear the burden of paying either
law say it will make quality hous-
become a windfall to real estate
annual or six months’ rent to their
ing affordable to many because the
agents who stand the opportunity
ever uncompromising landlords.
multiple monthly payment was
to take up management of some of
very limiting to especially employ-
the properties.
This practice makes Tanzania an
ees which on many occasions forces
isolated market where this kind of
tenants to seek loans to service such
Speaking at the inauguration of
practice is in effect as opposed to
payments.
the National Housing Corporation’s
their neighbours and elsewhere
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headquarters in Dar es Salaam the
around the globe where rent is paid
As practiced elsewhere a first time
Minister of Lands, Settlement and
at most on a monthly basis.
tenant will have to pay three months’
Urban development William Lukuvi
rent with the extra month acting as
recently touched on this warning
In the just concluded parliamentary
a deposit and caution money in the
landlords to get prepared for the
session Tanzanians were promised
event that the tenant fails to pay
new developments.
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The push for this law started way back
and
in 2012 Members of Parliament from
reviewed
across the political divide endorsed a
developments in the sector.
compensation policy, is being so it can reflect the new
by landlords and real estate agents. Through voting by acclamation, the MPs supported the motion calling for enactment of a specific law to regulate the real estate business and enable government collect billions of
past few years however, some private developers have also come in, neces-
private members’ motion seeking to curb exploitation of hopeless tenants
can be supplied per year. During the
sitating the need for the regulator Presently, the sector is governed by different laws supervised by different levels of government. Local government authorities deal with mapping and planning areas for settlements. They also issue building permits.Until 2007,
to oversee the areas (sectors) which need urgent investments and do not. “The authority will be in position to show the developers and the investors the right direction – including the type of buildings that they should inject their money into, going by the
shilling in property tax.
market demand and supply,” he said Tanzania was running a housing
adding that the body will also oversee
The Rental Housing Bill would protect
deficit of three million units valued
the number of all houses and apart-
over 14 million tenants from exploi-
at $180 billion. The annual demand
ments for rent and for sell.
tation tendencies by unscrupulous
for houses in urban and rural areas
landlords.
is about 200,000 units estimated to cost $12 billion, according to data
The policy along with Land policy, set-
from National Housing Corporation
tlement policy and land acquisition
(NHC). Yet, only about 15,000 units
Kawe Beach Area
For Short and Long Term Stays • Spacious ensuite 2-bedroom and 3-bedroom apartments with separate living room and kitchenette with modern facilities • 24/7 security and modern facilities for fire and smoke detection • Regular housekeeping and laundry services • Fully Air Conditioned • Environmentally friendly with solar water heaters
• Fresh and clean water supply • Standby Power Generator • Elevators/Lifts in all building blocks • Glorious view of the sea and CBD • Landscaped gardens and green surroundings • Ample parking space • Exclusive transport facility to and from the airport and around the city
#191 Mwai Kibaki Road - Kawe Beach Area, Opp. Infotech Building Hotline: +255 624 25 45 45, +255 754 45 45 20 Email: baobab@zaki.co.tz Web: www.zaki.co.tz 23
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Issue No. 65 December -2017
From Pg No 8
A group photo after Kamabarage House-HNC Head Office official launch “In 1962 the NHC became the first corporation to be formed by the first President of Tanzania Mwalimu Julius Nyerere. During that time government was investing directly into the corporation and that is how the corporation managed to build 10,000 houses.” The statue according to him is to remind the young generation on who the father of Nation is just like it is in other countries. Mr Mchechu says in the future they are planning to develop a financial square given the fact that Dar es Salaam lacks such space and that they are in talks with financial institutions to construct their head quarters in the new space. The auspicious event was graced by the minister for lands, human settlements and urban development Mr William Lukuvi who among other things called on the corporation to use the new tools productively.
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“While inspecting this building I have seen very many impressive features, these should work as an impetus for you to work harder as compared to back in the days when you were in Temeke,” said the minister. According to him the facilities available in the building should act as an impetus for NHC to have a better output. He added that with the new building, NHC now matches its own status as the leading property developer in the country which boasts of properties in almost every district in Tanzania. He called upon district and regional authorities to use NHC’s expertise in planning their cities given the experience that they have exhibited in the planning of Safari City in Arusha.“There is a huge advantage in letting NHC help you plan your towns, first of all it is government entity and secondly your towns will be planned as you de-
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sire. Your role will be to supervise in the constructions,” he said. Mr Lukuvi further called on the corporation to make sure that as they build and sell houses they should make sure they reserve some houses for rentals. “Not everyone can buy a house because some will have bought houses elsewhere and therefore they might need a place of aboard while on assignments. We cannot have a National Housing Corporation that doesn’t own houses,” he said. And in another development the corporation is this month set to deliver the first phase of the Iyumbu Project and these could be exciting times as the minister has offered NHC a plot to build their headquarters in Dodoma. “I want you construct a building of this type in the capital and we at the Ministyry shall share with you,” he said. Issue No. 65 December -2017
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MASAKI/OYSTERBAY/MSASANI PENINSULA
1.
Beautiful 3BHK For rent - Masaki
FULLY FURNISHED 3 BEDROOM APARTMENT FOR RENT IN MASAKI
An apartment with a spectacular view of the sea, this spacious 3 bedroom apartment is not only stylish but is also conveniently situated for your errands to Osyterbay and city centre. Features: • Sea View Balconies • Roof top swimming pool • 3 bedrooms (2 en suite bedroom) • Spacious living and dining room • Guest bathroom • Elevators • CCTV cameras • 24 hour Security guards • Standby Generators
Tell: 0767 711120 / 0714 031906 Email: sales@primelocationtz.com
Located in the prime area of Masaki in the vicinity of Yacht club, SALI International Hospital, International School of Tanganyika (IST), Sea Cliff Hotel to mention a few.
LOVELY 3 BEDROOMS APARTMENTS FOR RENT-OYSTERBAY
It is within high quality neighborhood. The apartment offers a magnificent 24/7 sea view. The bedrooms are so spacious with quality and classy finishing. The kitchen is designed and furnished with modern style offering wonderful cooking experience. Also it is just a step away to Slipway hotel, a Sea escape to Mbudya and Bongoyo Islands Amenities: • Standby generator • Swimming pool • Gym • 24HR security
Tell: 0767 711120 / 0714 031906 Email: sales@primelocationtz.com
They are beautiful and prime located in Oysterbay near Food Lovers Market with close access to the beach and city centre. Each comprises of 3 bedrooms all selfcontained, guests bathroom, spacious living room, modern designed and spacious kitchen to mention a few. All are on the upper floors. Features and Amenities: • Swimming pool • Well equipped Gym • Beautiful garden • Security system • Balconies • Top roof Terence giving magnificent sea view
Tell: 0767 711120 / 0714 031906 Email: sales@primelocationtz.com
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MIKOCHENI/MBEZI BEACH/OTHER AREA MANSIONETTE FOR RENT – KAWE
SERVICED 4 BEDROOM VILLA FOR RENT - ADA ESTATE
You’ll love Kingsway court villas because of the location, the coziness, peacefulness, great neighborhood and short distance to city centre and peninsular areas. These villas are good for couples, business travelers, families (with kids), and big groups. Kingsway comprises 12 villas each with 4 bedrooms, all furnished and en suite. Each of the villas is around 400sqm with its own private patio garden. There is large swimming pool and gym for residents.
Tell: 0767 711120 / 0714 031906 Email: sales@primelocationtz.com
IDEAL FOR RESIDENTIAL OR OFFICE USE
FURNISHED VILLAS FOR RENT IN MBEZI BEACH - NEAR WHITE SANDS HOTEL
Very well maintained double storey mansionette for rent in Kawe. Attractive, and close to Lugalo golf club. It boasts with 4 bedrooms, a spacious living room, dining room, kitchen and study room. Amenities include: • Water pressure pump • Water reserve tank of 7,000 liters • Cars parking space of up to 5 cars • Wired fence security system • Solar water heater • Automatic generator set 35KVA • Well maintained garden.
Tell: 0767 711120 / 0714 031906 Email: sales@primelocationtz.com
Beautiful with modern interior designs, offering wonderful home experience. Each comprise of two story, spacious side and backyard garden. Are less than 500ms from the main road (Old Bagamoyo rd) with tarmac road access, in the vicinity to all key beach hotels with easy sea escape to beautiful islands of Mbudya and Bongoyo. Features and amenities: • 3 bedrooms (one en suite) • Modern Kitchen with a outside BBQ kitchen • Spacious dining and living room • Well maintained garden • Laundry area • Ample parking space • Backup generator • Greenery garden with palm trees around the compound
Tell: 0767 711120 / 0714 031906 Email: sales@primelocationtz.com
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Prime Location - Home of Properties
Issue No.65 December -2017
Prime Location - Home of Properties Issue No.65 December -2017
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DUPLCATE KEYS RISKS IN APARTMENT MANAGEMENTS
By staff reporter
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very landlord has a duty to protect their tenants’ security, and along with that the desire to protect their own property. A crucial part of that protection is the proper handling of keys.
away.
The use of keys plays a role in many landlord decisions, including whether to use master keys, which employees will have access to keys, and how to handle day-to-day issues like maintenance requests.
Worse still the care taker had already started accessing the key areas including in the bedrooms and was carrying some valuables in his hands.
Sarah is a single tenant who lives in one of the apartments in Masaki with a maid who comes thrice a week ,on several occasions she would experience certain strange things while away at work, on safari and sometimes at home during the night. On several occasions she found some of her valuables missing including cash or sometimes notice that someone had been in her house during her absence given the fact that the maid is not supposed to be at work. She has been even sensing someone is in the house during the night while she is asleep, but taking it easy under the assumption that she was dreaming. The situation continued for a while to the extent that she was suspecting the maid who has been working for her for almost three years. One day she found money missing and questioned her maid who could not believe that after all these years there was still issues with trust between them. The tenant kept on observing with the expectation that one day she will find out who is accessing her house while she was
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One day she heard a neighbor screaming after she caught the apartment’s caretaker in her inside her apartment without prior information.
The incident was reported to the security officials and immediately the care taker’s house/office was accessed and found out he had a lot of valuable items stolen from different tenants through duplicated keys. That was the point that tenants realized that their missing items had been the work of the rogue care taker who had been accessing their apartments in their absences. But the question here is what could have Sarah done under the circumstances? As an apartment owner it is advisable to always change locks between tenants to reduce landlord liability in the event a former tenant, guest, or thief gains access to your new tenant’s home. Make sure tenants understand that they are responsible for their individual safety, and that leaving keys around the exterior of the property could place them at risk. Also, tenants should be instructed to avoid tagging their keys in ways that would tip off thieves to their name, address, unit number or specific door. Never turn over the keys to a new tenant until you have finished running the tenant background check, and the individual has signed the
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lease agreement. Otherwise, you may have no recourse but to file for an eviction should you discover later that the tenant is not a good fit. Use the same care when screening employees. Ask for references when using outside contractors. Make sure you limit access to master and duplicate keys to only those individuals who have been trained about security. Create a check-in/ check-out system for keys to track who had access. The use of master keys is an extremely risky strategy. Other alternatives, like individual locks, keypad locks or pass cards may provide better security for your tenants and your property. When using duplicate keys, be sure to label each using a code system that is not accessible in the case of theft. The more random the code the better. Do not use names or unit numbers on key tags. Duplicate and master keys must be kept in a secure location, away from high traffic areas like the leasing office or lobby. Create a list of all keys that a tenant is given, including gate keys, laundry room, garage doors and so forth. Check that list at move-out to assure the tenant has returned all keys. Prohibit tenants from duplicating keys to reduce the risk. Using keys marked “Do Not Duplicate” will prevent reputable locksmiths or key makers from creating duplicates that could fall into the wrong hands. As for the tenant for added security one could change the locks completely and hand over the old system when leaving at the end of their tenure.
Issue No. 65 December -2017
BRAND NEW LUXURY 3 BEDROOM VILLAS FOR RENT-MBEZI BEACH
Located in Mbezi Beach near Rain Bow club on the beach side giving the residents a clear beach access and view. Very close to the main road. They are modern and spacious with quality finishing offering modern lifestyle experience. All are fully furnished.
Features and Amenities:
• 3 bedrooms (all en-suite) • Spacious and neat living room • Modern open kitchen style
• Beauiful and well maintained garden
• Swimming pool • Backup generator • 24 hours security • Balconies on all rooms • Guests bathroom • Ample parking space
RENT USD 2000 all inclusive
Tell: 0767 711120 / 0714 031906 Email: sales@primelocationtz.com
UPANGA/CITY CENTRE 3 BEDROOM APARTMENTS FOR RENT CITY CENTRE
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FULLY FURNISHED 4 BEDROOM APARTEMNTS FOR RENT CITY CENTRE
Located in the heart of the city at the corner of Samora avenue and Bridge Street, offering convenient and easy access to Zanzibar Ferry speed boat and Airport. Each comprises of 3 spacious bedrooms (2 en-suite), guest washroom, dining/living room and modern kitchen. All are fully furnished with modern and quality furniture and furthermore, they offer wonderful sea view from 14th to 20th floor.
Tell: 0767 711120 / 0714 031906 Email: sales@primelocationtz.com FULLY FURNISHED 3 BEDROOM APARTMENTS FOR RENT – CITY CENTRE
All are on the top floors giving magnificent sea and city views including Kigamboni. Are fully furnished with modern facilities. Other amenities include • Speed internet • Standby generator • 2 elevators • Security access cards • CCTV cameras just to mention a few. Are 3mins walk to Zanzibar speed boats ferry and also offer convenient access to the airport.
AVAILABLE FOR SHORT AND LONG TERM Tell: 0767 711120 / 0714 031906 Email: sales@primelocationtz.com 32
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Issue No.65 December -2017
Fully furnished and spacious with the state-of-the-art fixtures and furniture. Are modernly designed with international standards, boasting with quality furniture and beautiful lighting system that offers the best home ambiance experience. Each comprises of 3 bedrooms (all en-suite), guest washroom and closed spacious kitchen. Amenities include: • Swimming pool • Gym • Controlled guests access security system • 24/7 security • Ample parking space
Viewing on enquiry. Tell: 0767 711120 / 0714 031906 Email: sales@primelocationtz.com
Prime Location - Home of Properties Issue No.65 December -2017
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Classified Properties 7 BEDROOM HOUSE FOR RENT MIKOCHENI - USD 1200
A large and well-constructed storey mansionnete that is perfect for a large family or an office, in the prime area of Msasani with just a walk to the beach. Features • 7 bedrooms (5 en-suite, 2 standard) • Guest bathroom • Pantry • Servant quarters • Large parking area
Phone: 0767 711120 / 0714 031906 Email: sales@primelocationtz.com
3 BEDROOM APARTMENT FOR RENT MIKOCHENI
Luxurious and fully furnished 2 bedroom apartments in Mikocheni. Modern construction and interior techniques giving out the highest comfort level and a salute to style! To top it all off, it is rather close to the beach with spectacular views of the sunrise and the sunset. Features • Parking Space • Gym • Swimming Pool • Standby Generator.
Tell: 0767 711120 / 0714 031906 Email: sales@primelocationtz.com
BEAUTIFUL 3 BEDROOM APARTMENTS FOR RENT MSASANI BEACH
SPACIOUS AND VERSATILE, SUITABLE FOR EXTENDED FAMILIES/ OFFICE SPACE
This beautiful double storey home is situated in Mikocheni , along the main road, with easy access all major places, such as English academic schools, Shopping mall ( Mlimani City), Entertainment places such as Azura Beach and Msasani Club. This well positioned home has the following Features and amenities: • 5 spacious bedrooms ( one en suite) • 2 extra bathroom • 2 spacious living room • Dining room • Spacious modern kitchen • Servant quarter • Storage room • Water reserved tank about 7,000 ltr • Enough parking space for 7 cars.
Tel: 0767 711120 / 0714 031906 Email: sales@primelocationtz.com
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Peace and a blissful green view is what you need every Sunday morning! This 2 bedroom apartment in Msasani baots itself with not only a calm and collected environment but a stylish and modern interior as well. Features • 3 bedrooms ( one master and two self contained ) • Balconies • Kitchen • Dining and living room • Office and study room • Space for barbeque • Swimming pool • Standby generator • CCTV camera • Parking space • GYM • Elevator • Beautiful garden LGV -VReal Estate Consultants. Tell: +255679495132/+255742995132 info@lgvrealestateconsultants.com
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4 BEDROOM DOUBLE STOREY HOUSE FOR RENT MBEZI BEACH
Along the white sands resort stands a beautiful 4 bedroom, 2 storey house in Mbezi. Features • 4 bedrooms ( one en suite ) • Guest bathroom • spacious living & dining hall • Guest room • Spacious kitchen • Laundry area • Pantry room •Beautiful garden • Large parking space • Generator • Servant quarters • Garage
LGV -VReal Estate Consultants. Tell: +255679495132/+255742995132 E: info@lgvrealestateconsultants.com
3 BEDROOM APARTMENTS FOR RENT- MIKOCHENI
A 3 bedroom fully furnished apartment at a quiet yet safe community at a prime location in Mikocheni is the perfect combination of a stylish yet comfortable home. Features • Swimming pool • Large parking space • Beautiful garden • 24hour security • Gym • Generator Phone: 0767 711120 / 0714 031906 Email: sales@primelocationtz.com
Issue No. 65 December -2017
WANTED PROPERTIES IMMEDIATE WANTED HOUSE TO BUY
WANTED APARTMENTS FOR RENT.
Looking for 3 bedroom house in a secure neighborhood, should have at least 5 car parking space and convenient road access. Preferable areas: • Mikocheni • Mbezi beach • Kunduchi • Salasala
A 2/3 bedroom apartments with all key features and amenities are needed for rent. Should be in a good location. Preferable areas include Masaki and Oysterbay Budget range: USD 1200 Phone: 0767711120/ 0714031906 E: sales@primelocationtz.com
Phone: 0767711120/ 0714031906 E: sales@primelocationtz.com
WANTED DOUBLE STOREY HOUSE TO BUY
WANTED STANDALONE HOUSE FOR RENT: Looking for a 3 to 4 bedroom house, should be in a good location, with convenient road access and in a secure neighborhood. Preferable areas include Regent state, Mikocheni and Msasani. Phone: 0767711120/ 071403190 E: sales@primelocationtz.com
WANTED APARTMENT TO BUY Looking for a 4 bedroom apartment with modern facilities in Upanga East or Masaki. Budget range: USD 250,000 Phone: 0767711120/ 0714031906 E: sales@primelocationtz.com
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Should be 4 bedrooms, and modern designed. Preferable area: • Boko Ununio • Mbezi beach • Boko area Size: 1000+ sqm Phone: 0767711120/ 0714031906 E: sales@primelocationtz.com
LOOKING FOR STUDIO APARTMENT TO LET : Should be spacious and modern, preferably in Masaki and Oysterbay areas with the following amenities: • Gym • Swimming pool
IMMEDIATE WANTED VILLA/ APARTMENT TO BUY: Should be spacious in a prime located neighborhood, preferably a new building or well-maintained one with modern facilities. Areas of preference: • Regent Estate • Mikocheni • Ada Estate • Mbezi beach Phone: 0767711120/ 0714031906 E: sales@primelocationtz.com
STANDALONE HOUSE WANTED FOR RENT IN MASAKI: Looking for 3/4 bedroom standalone house for rent, should be well maintained and in good condition. Should have the following amenities: • Swimming pool • Garden • Parking space up to 4 cars Phone: 0767711120/ 0714031906 E: sales@primelocationtz.com
Phone: 0767711120/ 0714031906 E: sales@primelocationtz.com
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Issue No. 65 December -2017
Qualify or quit, Real Estate Agents told
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eal estate has been booming in Tanzania in last decade, especially in Dar es Salaam which is considered as one of the fastest growing cities in Africa at the moment. This boom has given rise to a new crop of professionals -real estate agents who facilitate deals between property owners and potential buyers and tenants. Real estate agency has proven in many ways to be a rewarding career, and you won’t be stuck behind a desk all day. Those involved are always out there meeting people, showing properties, analyzing markets, and staging homes. A real estate agent guides people through the biggest financial investment of their lives. However, as the industry keep on growing more professionalism is required to deliver services as per required standards. For example to qualify for a Washington Real Estate broker’s license in the US one must be at least 18 years old, have a diploma or its equivalent, successfully complete 90 hours of
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approved real estate education within 2 years before applying for the exam. Much as this might be the set up in developed cities, in Tanzania it remains very informal and unregulated. Many a time dreams have been shuttered by the very people who are supposed to be guiding clients on where and how to spend their savings. However recent developments suggest that the days of the informal roadside real estate agent aka “Dalali” is quite numbered.Speaking at the inauguration of the National Housing Corporation’s headquarters in Dar es Salaam the Minister for Lands, Housing and Human Settlement Development Hon. William Lukuvi said the time has come to streamline the industry “In the beginning we only had National Housing Corporation but today there are several institutions that are involved in this business this means we need a regulatory authority to keep things in check,” he said.
taxes on the businesses they conduct. “Most of the times these deals land in the hands of unscrupulous agents who hardly have the basic qualifications to be called agents. In most cases they even
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To qualify for a Washington Real Estate broker’s license in the US one must be at least 18 years old, have a diploma or its equivalent
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make more money than the registered ones,” said Mr Lukuvi. He added that the new bill is set to put to rest all these anomalies that threaten to turn the industry into a den of unprofessionalism. “It is my call that whoever is letting out a building should pay government taxes as required by the law,” he said.
According to the minister, almost 80 per cent of the landlords in the country don’t pay
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Issue No. 65 December -2017
WE MAKE PLOTS SELLING AND BUYING SO EASY
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and ownership is everyone’s dream for it justifies wealthy, peace of mind and a permanent address too. Furthermore, surveyed land in proper planned towns or cities appreciates in value.
In 2000 the government initiated several projects to survey land particularly in urban and sub-urban areas with the objectives of ensuring that cities and towns are well planned, organized and people have access to key social facilities including hospitals, roads, schools, security, shopping places to mention a few. The government expected this to create employment opportunities for contractors, building materials suppliers, services providers, and above all generate revenue through property tax.As the demand for planned and surveyed plots continued to grow, the market started to experience shortage in supply of surveyed plots which resulted to price skyrocketing.
At VIWANJA TANZANIA we offer professional plots sales and marketing services
must be conversant with the plots selling market trend, demand and supply, prevailing and anticipated price, purchasing power, just to mention a few. Then will strategically design an effective sales and marketing GAME PLAN that will guarantee the disposal of the plots within an anticipated time frame and at as low cost as possible. It was at this point that private companies ventured in the land development business with the support of financial institutions that offered loans to support these projects. It was really a promising business with high return on investment in short period. Without taking into consideration of the Demand and Supply theory, suddenly the supply of surveyed plots started to exceed the demand, therefore forcing price to fall. Non-strategic land development investors started finding the business very challenging, not generating enough cash flow to service bank loans as they had anticipated. Plots marketing and selling is tough. Plots marketing and selling is no longer everyone’s professional. It’s not as easy as many thought. Yes, you can be financially strong to buy land, hire and pay professional surveyors and develop world class infrastructure (Roads, water system and electricity), but yet you will find it difficult to dispose the plots within the anticipated time frame. You will need a professional sales and marketing firm to offer you peace of mind in terms of marketing and selling. Plots marketing and selling exercise involves a lot of activities, time and money. A professional sales and marketing firms
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At VIWANJA TANZANIA we offer professional plots sales and marketing services. Our services include free consultation to plots owners and upon agreement on the proposed plan we take over the entire project and start sales and marketing roles. Our key strengths include research and advise on the realistic market price, strong relationship with banks to offer long term loan facilities to the buyers, thus enabling the sellers to get their 100% sales proceeds within short time. Furthermore we have wider marketing and advertising platforms including Prime Location-Home of Properties magazine, Prime Advertising magazine, Websites, Bulk emails, Bulk SMSes, Social media just to mention a few. We furthermore offer professional selling strategy including door to door and groups selling. We are professional plots marketing and sales firm. If you have surveyed plots (project or projects) and finding it difficult to manage sales and marketing part of it, please look no further. Give us a call or email and the rest will be history. Telephone +255 767 711120 or +255 754 711120. E:viwanjatanzania@primelocationtz.com
Issue No. 65 December -2017
Telephone +255 767 711120 or +255 754 711120. Email: viwanjatanzania@primelocationtz.com 39
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Issue No.65 December -2017
For more information contact: VIWANJA TANZANIA, Tel: 0767 711120, 0754 711120 Email: viwanjatanzania@primelocationtz.com
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Issue No. 65 December -2017
RESIDENTIAL PLOTS FOR SALE KEREGE BAGAMOYO Conviniently located at Kerege beach side with short distance from Dar-Bagamoyo road.
PRICE Tzs 9,500 per sqm
For more information contact: VIWANJA TANZANIA, Tel: 0717 376 677, 0767 711120, 0677 303344
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Prime Location - Home of Properties
Issue No.65 December -2017 Email: viwanjatanzania@primelocationtz.com
Prime Location - Home of Properties Issue No.65 December -2017
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PRIME MINI DIRECTORY
Expatriates Assistance in Relocation to Tanzania. Real Estate and International Medical Insurance Options.
Cel: +255 767 704 909 email: info@expatconnect-int.com www.expatconnect-int.com
MOTOR VEHICLE INSURANCE Call: +255 769 927 665 Email: waltconsult@gmail.com
Tel: +255767711120 E: pli@primelocationtz.com
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Issue No. 65 December -2017
We Greatly Value Your Trust and Confidence on Our Services & Sincerly Appreciate Your Loyarity to Our Business
Wishing you a Merry X-mass & Happy New Year Prime Location Family