Kei te Hanga Koe i Tō Kāinga Moemoeā?
Mā Tātou e Whakatutuki.
Mai i te kimi i te whenua tino pai, tae noa ki te mātaki i tō kāinga moemoeā e ahu mai ana — ka āwhina a AML Home Loans i a koe ki te whiwhi i tētahi nama hanga whenua-me-hanga, kia hangaia e koe tāu tonu e hiahia ana, ki te wāhi e hiahia ana koe.
Ngā Whare Hou kua Whakaritea Pūtea
200+ Kāinga Kiwi
He aha te Nama Hanga
Whenua-me-Hanga?
He hua pūtea motuhake te nama hanga whenua-me-hanga, e hipoki ana i te hoko whenua me te utu hanga kāinga. Kāore i rite ki tētahi nama whare paerewa e utu ana i te katoa i mua, ka tukuna e te nama hanga te pūtea i roto i ngā wāhanga, ina whakaotia e tō kaihanga whare ia wāhanga o te hanga.
Ko tōna tikanga, ka utu koe i te huamoni anake mō te pūtea kua tangohia — ka iti tonu ō utu i te wā e hangaia ana tō kāinga. Ina oti te hanga, ka huri te nama ki tētahi nama whare noa.
He aha e Hanga me AML i Tō Taha
Ko te hanga whare tētahi o ngā kaupapa pūtea nui rawa atu ka whāia e koe i tō koiora. Anei te āhua e whakaūngia ai e mātou kia whakaritea tō nama hanga mō te angitu — mai i te moni tōmua tuatahi tae noa ki te tukunga whakamutunga.
Uru ki te 20+ Kaiwhakanama
He rerekē ngā kaupapa here a ngā pēke nui me ngā kaiwhakanama motuhake ehara i te pēke mō ngā nama hanga whare. Ka kimihia e mātou tērā e hāngai ana ki āu mahere hanga me tō pūtea.
He Mātau ki ngā Utu Ahu Whakamua
Ka whakahaerea e mātou tahi me te mahere a tō kaihanga whare, ā, ka whakaūngia kia puta i te wā tika ia utu ahu whakamua — kia haere tonu tō hanga, kāore he āputa rere pūtea.
He Huamoni Anake i te Wā Hanga
Ka whakaritea e mātou tō nama kia utu koe i te huamoni anake mō ngā rahinga kua tangohia i te wā hanga. He utu iti ake i te wā hanga, he wāteatanga nui ake.
Kotahi Kaitohutohu, Hanga Katoa
Ka noho tonu tō kaitohutohu motuhake AML ki tō taha mai i te hoko whenua tae noa ki te tukunga whakamutunga — kāore he tukunga ki tētahi atu, kāore e tauira anō tō kōrero, kāore he ohorere.
Mai i te Mahere ki te Nohoanga
E ono ngā wāhanga mārama mai i tō kōrero tuatahi tae noa ki te tuku i ngā kī o tō kāinga tino hou.
Kōrero Kimi Mōhio Kore Utu
Ka kōrero mātou mō tō kāinga moemoeā, tō pūtea, tō wā whakaritea, me te whenua kei tō whakaaro. Ka whakamāramahia e mātou te mahi a te pūtea hanga whare, ā, ka whakautuhia āu pātai katoa.
Tirohia Tō Pūtea me ngā Karahipi
Ka tātaihia e mātou tō kaha nama, tō āheinga tango KiwiSaver, tō tikanga First Home Grant, me te nui o te moni tōmua e hiahiatia ana mō te whenua me te hanga.
Tūtaki koe ki tētahi Kaiwhakanama
Ka whakataurite mātou i ngā hua nama hanga puta noa i te tini kaiwhakanama — tae atu ki ngā mātanga ehara i te pēke — ā, ka tūtohungia te mea tino hāngai mō tō momo hanga me tō pūtea.
Whakaūngia te Whakaaetanga Katoa
Ka whakahaerea e mātou te whakatau utu o tō whenua, ka tuku tō tono katoa me te kirimana hanga kua hainatia me ngā mahere, ā, ka whakahaerea ngā here katoa tae noa ki te otinga.
Whakahaerea ngā Utu Ahu Whakamua
I te wā hanga, ka whakapā atu mātou ki tō kaihanga whare me te kaiwhakanama ki te tuku i ia utu ahu whakamua i te wā tika — te papa, te anga, te lock-up, te whakaoti, me te otinga.
Tukunga me te Tautoko Haere Tonu
Kua oti te hanga, kua utua te utu whakamutunga, ā, ka huri tō nama ki tētahi nama whare paerewa. Ka noho tonu mātou i te hono mō tō wā whai muri.
He aha e Wehe ai i a AML
He matatini ake ngā nama hanga whare i ngā nama whare paerewa. Me whai koe i tētahi kaitohutohu nama whare e mārama ana ki te tukanga hanga mai i roto, mai i waho — ā, kei a ia ngā hononga kaiwhakanama hei whakatutuki i tēnei katoa.
Whakataurite Mākete Katoa
Kāore mātou e tiro noa ki ngā pēke nui. He nui ake te ngāwari o ngā kaupapa here nama hanga a ngā kaiwhakanama ehara i te pēke me ngā hapori hanga whare — tae atu ki ngā moni tōmua iti ake me ngā tikanga utu ahu whakamua pai ake. Ka whakataurite mātou i te mākete katoa kia whiwhi koe i te mea pai rawa atu.
He Mātanga Nama Hanga Whare
Kua whakaritea e tō mātou tīma te pūtea mō ngā rau o ngā hanga Kiwi — mai i ngā kāinga paparanga kotahi ngāwari tae noa ki ngā kaupapa matatini kua hoahoatia e te kaihoahoa. E mōhio pū ana mātou he aha tā ngā kaiwhakanama e rapu ana i tētahi kirimana hanga, mahere kaunihera, me ngā tohu kaihanga whare.
Te Whakahaere Utu Mārama
Ka āwhina mātou i a koe ki te whakarite pūtea mō ia utu — te hoko whenua, te kirimana hanga, ngā utu kaunihera, ngā mahi i te pae, ngā rawa whakamīharo, me ngā utu kaiwhakanama. Kāore he ohorere, kāore he utu huna, kāore he āputa pūtea whakararuraru i waenganui i te hanga.
Tautoko mai i te Tīmatanga tae noa ki te Mutunga
Mai i tō kōrero tuatahi tae noa ki te tirotiro tukunga whakamutunga, mā tētahi kaitohutohu motuhake kotahi e pupuri tō kōnae. Kāore koe e tukuna i waenganui i ngā tari, kāore hoki e whakamārama anō i tō āhuatanga.
5%
Te moni tōmua iti rawa pea
$10k
First Home Grant (whare hou)
3–7
Rā tae noa ki te whakaaetanga tōmua
20+
Kaiwhakanama e whakataurite ana mātou
Ngā Pātai Auau mō te Whenua-me-Hanga
He whakautu pono ki ngā pātai e rangona ana e mātou mai i ngā Kiwi e hanga ana i tō rātou kāinga moemoeā.
He aha te moni tōmua iti rawa mō tētahi nama whenua-me-hanga?
Ko te nuinga o ngā kaiwhakanama e hiahia ana ki te moni tōmua iti rawa e 15–20% mō tētahi nama hanga whenua-me-hanga. Heoi anō, mēnā e tika ana koe mō te kaupapa First Home Loan (e tautokona ana e Kāinga Ora), ka taea pea e koe te tīmata mā te moni tōmua 5% noa iho mō te whenua, ka tangohia haere ngā utu hanga. Mā mātou e whakaū te kōwhiringa pai rawa atu mō tō āhuatanga.
Ka utu nama au i te wā hanga whare?
I te wā hanga whare, ko te nuinga o ngā kaiwhakanama e hiahia ana kia utu koe i te huamoni anake mō ngā wāhanga o te nama kua tangohia — kaua ko te nama katoa. Mā tēnei ka iti tonu āu utu nama i te wā e hangaia ana tō kāinga. Ina oti te hanga, ka huri te nama ki tētahi nama whare paerewa — te puna me te huamoni. Ka whakaritea e mātou tō pūtea ki te whakahaere i te rere pūtea puta noa i te hanga.
Ka taea e au a KiwiSaver te whakamahi mō te whenua me te hanga?
Āe — ka taea e koe te tango i ō penapena KiwiSaver hei wāhanga o tō hoko whenua, ā, mēnā e tika ana koe, ka taea hoki e koe te whiwhi i te First Home Grant tae noa ki te $10,000 mō ia tangata (tae noa ki te $20,000 mō tētahi tokorua) mō tētahi whare hou. Ka ārahina koe e mātou i te tono, ā, ka whakaūngia kia whakanuia e koe ia tāra e wātea ana.
Me pēhea mēnā kei ahau kē te whenua?
Mēnā kei ahau kē te whenua, taiwhenua katoa, ka taea e koe te whakamahi i te whenua hei rawa tautoko mō tō nama hanga — ka heke nui te moni tōmua tāpiri e hiahiatia ana. He tokomaha ngā kaiwhakanama e ngāwari ana ki te whakamahi i te uara whenua hei taunaha, ko tōna tikanga, he wāhanga iti noa o ngā utu hanga e hiahiatia ana i mua. Ka whakaritea e mātou tētahi kōpaki e whakamahi ana i tō rawa o nāianei.
Ka whakaritea pūtea e ngā kaiwhakanama ehara i te pēke mō ngā whare hou?
Mārika — ā, he nui ake tō rātou ngāwari i ngā pēke nui ina pā ana ki ngā whare hou me ngā nama hanga whare. Ka whakaae pea ngā kaiwhakanama ehara i te pēke ki te moni tōmua iti ake, he huarahi tūturu tō rātou whakatau utu, ā, ka whakaae ki ngā kaitono he rerekē te moni whiwhi, te hītori nama rānei. Ka whakataurite mātou i te mākete katoa kia whiwhi koe i te mea tino hāngai.
Me pēhea e mahi ai tētahi nama hanga whare?
He rerekē te mahi a tētahi nama hanga whare i tētahi nama whare paerewa. Kaua e whiwhi koe i te nama katoa i mua, engari ka utua tō kaihanga whare e te kaiwhakanama i ia wāhanga (ngā utu ahu whakamua) — ko te tikanga mō te papa, te anga, te lock-up, te whakaoti, me te otinga. Ka utu koe i te huamoni anake mō te nama kua tangohia, kaua ko te nama katoa. Ka whakahaerea e mātou tahi me tō kaihanga whare me te kaiwhakanama kia haere tika ia wāhanga.
He aha ngā wāhanga utu ahu whakamua auau?
Ko te nuinga o ngā nama hanga whare ka tuku pūtea i roto i ngā wāhanga e rima: (1) te papa / te tūranga — 20–25%, (2) te anga — 15–20%, (3) te tuanui / te lock-up — 20–25%, (4) te whakaoti o roto — 20–25%, me (5) te otinga — 10–15%. Me whai ia wāhanga i tētahi kerēme ahu whakamua kua hainatia e tō kaihanga whare, ā, i ētahi wā he whakatau utu mai i te kaiwhakanama. Ka whakahaerea e mātou ngā pepa kia rere pai ngā utu.
Kia pehea te roa o te whakaaetanga nama hanga whare?
Ka taea te 3–7 rā mahi mō te whakaaetanga tōmua mēnā kua rite āu tuhinga. Ko te whakaaetanga katoa mō te kirimana whenua-me-hanga whāiti, ko te tikanga ka tangohia tētahi atu 5–10 rā mahi. Ka hiahiatia e te kaiwhakanama tētahi kirimana hanga kua hainatia, he kōtitanga utu pūmau mai i te kaihanga whare, he mahere kua whakaaetia e te kaunihera, me tētahi whakatau utu. Ka āwhina mātou i a koe ki te kohikohi i aua mea katoa i mua kia kore ai e roa.
Ka pēhea mēnā ka nui ake ngā utu hanga i te pūtea whakaritea?
Ko ngā utu nui ake tētahi o ngā tūraru nui rawa atu i tētahi hanga whare. Ka tūtohungia e mātou kia whai katoa ngā kiritaki i tētahi tāpiri whakamīharo e 10–15% o te utu hanga. Mēnā ka nui ake, ka whakaae pea ētahi kaiwhakanama ki tētahi rerekētanga, ki tētahi nama whakanui rānei, engari kāore i te whakaūngia. Ka whakaritea e mātou tō pūtea kia whai wāteatanga, kia kore ai he nuinga iti e whakararuraru i tō hanga.
Ka taea e au te hanga mēnā he kaimahi motuhake au?
Āe — ka taea mārika e ngā kaitono kaimahi motuhake te whiwhi nama hanga whare. Ko te tikanga ka hiahia ngā kaiwhakanama ki te kite i te 1–2 tau o ngā puka tāke, te reta a tō kaikaute, me te taunakitanga o te moni whiwhi pūmau. He nui ake te whai whakaaro o ngā kaiwhakanama ehara i te pēke ki ngā kaitono kaimahi motuhake. E mōhio ana mātou ko ēhea kaiwhakanama he kaupapa here ngāwari rawa atu, me te āhua e whakaatu pai ai i tō tono mō te tūponotanga pai rawa atu ki te whakaaetanga.
Kua Rite Koe ki te Hanga i Tō Kāinga Moemoeā?
Tonoa tētahi kōrero kore utu, kore herenga, me ā mātou mātanga nama hanga whare. Ka arotakehia e mātou tō pūtea, ka tirohia tō āheinga whenua me te karahipi, ā, ka tūtaki koe ki te kaiwhakanama tika — kia tīmata koe ki te hanga me te māia.