Tō Kāinga Whai Ake
Kua Oti Kē.
Ahakoa he whare noho tawhito, he kāinga whānau i te taone, he whare iti noho-māmā rānei — ka āwhina a AML Home Loans i a koe ki te whiwhi i te pūtea tika mō tētahi whare kua oti kē. Mai i te tango KiwiSaver tae noa ki te whakaaetanga katoa, ka ārahina koe e mātou i ngā wāhanga katoa.
Ngā Whare kua Whakaritea Pūtea
1,000+ Whare kua Oti Kē
He aha e Kōwhiri ai i tētahi Whare kua Oti Kē?
He hua kei roto i te hoko whare kua oti kē kāore i te tirohia e te nuinga o ngā kaihoko. Anei te take he whare kua oti kē te nekehanga tika mōu.
Rite Tonu ki te Noho
Kāore e tatari mō ngā marama hanga whare. Ka oti i te 4–6 wiki, ā, ka noho tonu koe ki tō kāinga hou.
Kitea Tāu e Whiwhi ai
Hīkoi i te whare tūturu, tirohia ngā whakaotinga, whanganuitia hoki ngā rūma — kaua ko he mahere, he whakaahua toi noa.
Ngā Takiwā kua Whakatūria
He rākau kua tipu, he kura kua whakatūria, he mea whakaritenga tata, me te kare ā-hapori e tangi roa ana ngā whanaketanga hou ki te whakatū.
He Hītori Uara kua Whakaūngia
Mā ngā raraunga hoko o mua me ngā pūkete whakatau utu e kite mārama ai koe i te uara mākete pono me te kaha tipu o te whare.
Me Pēhea AML e Āwhina ai kia Hoko me te Māia
He rerekē te hoko whare kua oti kē i te hoko whare hou. Mā mātou e whakatere ngā āhuatanga ritenga kia āta aro koe ki te kimi i te whare tika.
He Nama Hāngai ki te Whare
He ahurei ia whare kua oti kē. Ka tirohia e mātou ngā paearu a te kaiwhakanama mō tērā whare — te pakeke, te hanganga, te momo taitara — i mua i tō tāpaetanga.
Tautoko mō te Hokohoko Tauwhāinga me te Tāpae
Kei te tauwhāinga koe kāore he wāhanga pūtea? Ka whakaritea e mātou tō whakaaetanga katoa kia māia ai koe ki te tauwhāinga, kaua ki te whakaaro noa.
Arataki mō te Whakatau Utu me ngā Pūrongo
Ka whakahaerea e mātou ngā whakatau utu, ngā pūrongo LIM, me ngā pūrongo kaihanga whare, ā, ka āwhina i a koe kia mārama he aha te tikanga o ia mea mō tō nama me tō tāpaetanga.
Rautaki Hanganga Moni Tōmua
Ahakoa he 5% he 20% rānei, ka kimihia e mātou tētahi kaiwhakanama me tētahi hanganga nama e hāngai ana ki tō moni tōmua — tae atu ki te whakakotahi KiwiSaver me ngā karahipi.
Whakataurite Mākete Katoa
Ka whakataurite mātou i te tini pēke me ngā kaiwhakanama ki te kimi i tērā e tuku ana i te pāpātanga pai rawa, ngā tikanga, me te whakaae ki tō whare i kōwhiritia.
He Kaitohutohu Motuhake, mai i te Tīmatanga tae noa ki te Mutunga
Mā tētahi tangata kotahi e whakahaere tō kōnae mai i te kōrero tuatahi tae noa ki te otinga. Kāore he pokapū waea, kāore koe e tukuna i waenganui i ngā tari — ko tō kaitohutohu anake.
Mai i te Rapu Whare tae noa ki ngā Kī Kāinga
He huarahi mārama mai i tō kōrero tuatahi tae noa ki te otinga — mā mātou e whakahaere te pūtea kia āta aro koe ki te kimi i te kāinga tika.
Kōrero Kimi Mōhio Kore Utu
Ka ako mātou i āu whāinga, pūtea, me tō wā whakaritea. Ka whakamāramahia e mātou te rerekētanga o te hoko whare kua oti kē i te hoko whare hou.
Mōhio ki Tō Pūtea
Ka tātaihia e mātou tō kaha nama, ka tirohia tō āheinga KiwiSaver me te karahipi, ā, ka hoatu ki a koe tētahi awhe utu mārama hei hokohoko.
Kimi me te Tirotiro
Ka kitea e koe tō kāinga. Mā mātou e whakahaere te whakatau utu, te pūrongo kaihanga whare, me te LIM — kia kore ai e ngaro tētahi mea i mua i tō herenga.
Whakaūngia Tō Pūtea
Mā mātou e tuku, e whakahaere anō hoki tō tono katoa. Mō ngā hokohoko tauwhāinga, ka whakaaetia e mātou katoa i mua i te marangai o te hama.
Otinga me te Nekehanga
Ka tae mai te rā otinga, ka whakawhiti te pūtea, ā, kei a koe ngā kī. Ka noho tonu mātou mō tō nekehanga whai muri.
5%
Te moni tōmua iti rawa pea
$5k
First Home Grant (whare kua oti kē)
3–7
Rā tae noa ki te whakaaetanga tōmua
20+
Kaiwhakanama e whakataurite ana mātou
Ngā Pātai Auau mō te Hoko Whare kua Oti Kē
He whakautu pono ki ngā pātai e rangona ana e mātou mai i ngā kaihoko e rite ana ki a koe.
He aha te moni tōmua iti rawa e hiahiatia ana?
Mō tētahi whare kua oti kē, ko te nuinga o ngā kaiwhakanama e hiahia ana ki te moni tōmua 20%. Heoi anō, mā te kaupapa First Home Loan (e tautokona ana e Kāinga Ora), ka taea pea e ngā kaihoko tika te hoko i tētahi whare kua oti kē mā te moni tōmua 5% noa iho. Mēnā he 10–15% tō moni tōmua, tērā pea ka whakaarohia tonu koe e ētahi kaiwhakanama, i runga i tō moni whiwhi me tō āhuatanga pūtea whānui. Ka arotakehia e mātou tō āhuatanga, ā, ka kimihia te huarahi pai rawa atu ki mua.
Ka taea e au te whakamahi i a KiwiSaver, i te First Home Grant rānei?
Mārika. Mēnā kua koha koe ki tō KiwiSaver mō te 3 tau, neke atu rānei, ka taea e koe te tango i te nuinga o tō putea mō tō moni tōmua. Ka taea hoki pea e koe te whiwhi i te First Home Grant — tae noa ki te $5,000 mō ia kaihoko tika mō tētahi whare kua oti kē (tae noa rānei ki te $10,000 mō tētahi whare hou). Mēnā kei te hoko tahi koe me tō hoa, ka rua whakareatia tērā. Mā mātou e whakaū tō āheinga, ā, e whakahaere ngā pepa mō aua mea e rua.
Kia pehea te roa o te whakaaetanga?
Ko te tikanga ka 3–7 rā mahi te whakaaetanga tōmua ina kua whiwhi mātou i āu tuhinga katoa. Ko te whakaaetanga katoa mō tētahi whare whāiti, ko te tikanga ka tangohia tētahi atu 5–10 rā mahi whai muri i te whakaaetanga o tō tāpaetanga. Ka whai mai te otinga i te 4–6 wiki. Ina poto ana te wā, ka taea e mātou te tere whakahaere i tō tono mā te whakarite kōnae oti rawa i mua.
Ka taea e AML te āwhina mēnā kua whakakorehia taku tono e tētahi pēke?
Āe — koinei te wāhi e whai hua rawa atu mātou. Ko te whakakorenga a tētahi pēke, ehara i te whakakorenga a ngā kaiwhakanama katoa. Ka mahi tahi mātou me ngā kaiwhakanama ehara i te pēke me ngā kaiwhakarato nama motuhake e titiro ana ki tua o te tatauranga nama noa. Ka whakaarohia e rātou tō āhua pūtea katoa — te moni whiwhi, te pūmau, me tō hītori whakautu nama. Ka arotakehia e mātou te take i whakakorehia ai koe, ka whakatikahia ngā take, ā, ka whakapā atu ki ngā kaiwhakanama e tino hāngai ana ki tō āhuatanga.
He utu anō kei te hoko i tētahi whare kua oti kē?
Āe — i tua atu i te moni tōmua, whakaritea pūtea mō: tētahi whakatau utu kua rēhitatia ($600–$900), tētahi pūrongo kaihanga whare ($500–$800), tētahi pūrongo LIM mai i tō kaunihera ā-rohe, utu ture ($1,500–$3,000), me ngā utu nekehanga. Mēnā he iti ake i te 20% tō moni tōmua, me utu hoki koe i te inihua nama kaiwhakanama (LMI). Ka hoatu e mātou ki a koe tētahi whakatakotoranga utu katoa kia kore ai he ohorere i te rā otinga.
Me whai au i tētahi pūrongo kaihanga whare me tētahi pūrongo LIM?
He tino tūtohungia. Ka kitea e te pūrongo kaihanga whare ngā take huna, pēnā i ngā raru tauwhiro huarere, ngā raru paipa, ngā māharahara hanganga rānei. Ka whakaaturia e te LIM (Land Information Memorandum) ngā pūkete kaunihera — ngā whakaaetanga, te wai parea, ngā here rohe, me ngā take kāore anō kia tutuki ki te waehere. Mā ēnei pūrongo e rua koe e whai mana ai ki te whakatakitaki anō, ki te haere atu rānei mēnā ka kitea ngā raru nui.
Ka taea e au te hoko i tētahi whare kua oti kē i te hokohoko tauwhāinga?
Āe, engari he hokonga kore here ngā hokonga i te hokohoko tauwhāinga — kāore he wāhanga pūtea hei tautoko. Me whai koe i te whakaaetanga katoa (ehara i te whakaaetanga tōmua noa) i mua i te tauwhāinga. Ka mahi tahi mātou ki te whakaū i tō pūtea kia 100% te mōhiotia i mua, kia māia ai koe ki te tauwhāinga. Ka āwhina anō mātou kia mārama koe ki te wā otinga kia hāngai ai ki tō hanganga nama.
He aha te rerekētanga i waenga i te whakaaetanga tōmua me te whakaaetanga katoa?
Ko te whakaaetanga tōmua te tikanga, kua whakaae herenga tētahi kaiwhakanama ki te tuku nama i tētahi rahinga, i runga i tō āhuatanga pūtea. Ka puta te whakaaetanga katoa (te 'whakaaetanga kore here' rānei) ina tutuki i tētahi whare whāiti ngā paearu a te kaiwhakanama — te whakatau utu, te taitara, me ētahi atu here. Mō ngā whare kua oti kē, ko te tikanga ka 5–10 rā mahi te whakaaetanga katoa whai muri i tā mātou tuku i ngā taipitopito whare.
Ka taea e AML te āwhina mēnā he kaimahi motuhake au?
Mārika. He maha tonu ngā wā ka arotakehia whānui ake ngā kaihoko kaimahi motuhake e ngā pēke, engari he maha ngā kaiwhakanama e whakaae ana ki ētahi atu tohu whakaū moni whiwhi pēnā i ngā puka tāke GST, ngā whakarāpopototanga tāke, ngā reta kaikaute rānei. E mōhio ana mātou ko ēhea kaiwhakanama e whai whakaaro ana ki ngā kaimahi motuhake, me te āhua e whakaatu pai ai i tō moni whiwhi — he maha ngā wā kāore e hiahiatia ana ngā pūtea mō ngā tau katoa e rua.
Ka pēhea mēnā kāore te whare e tutuki i ngā paearu a te kaiwhakanama?
Mēnā ka iti ake te whakatau utu i te utu hoko, mēnā rānei kāore te momo whare e tutuki i ngā paerewa a te kaiwhakanama (pēnā i te whenua riihi, ngā wāhanga iti iho i te 50m², ngā whare he raru waehere), ka pā pea ki tō whakaaetanga. Ka whakaritea tēnei e mātou i mua mā te tirotiro i ngā paearu whare a te kaiwhakanama i mua i tō tāpaetanga, ā, ka taea e mātou te huri ki tētahi atu kaiwhakanama mēnā ka puta he raru.
Kua Rite Koe ki te Kimi i Tō Kāinga Whai Ake?
Tonoa tētahi kōrero kore utu, kore herenga, me tētahi o ā mātou mātanga nama whare. Ka whakaahuahia e mātou te huarahi tōtika ki te whakauru i a koe ki tō whare kua oti kē — tere ake i tō whakaaro.