Kei te Hoko Koe i Tō Kāinga Tuatahi?
Mā Tātou e Whakangāwari.

Ko te nuinga o ngā kaiwhakanama o Aotearoa e hiahia ana ki te moni tōmua iti rawa e 10–20% mō te kāinga tuatahi. Heoi anō, mā te kaupapa First Home Loan (e tautokona ana e Kāinga Ora), ka taea pea e ngā kaihoko tika te hoko mā te moni tōmua 5% noa iho. Ka arotakehia e mātou tō āhuatanga, ā, ka whakaaturia te huarahi tino ngāwari ki te whai kāinga.

Āe — ā, koinei tētahi o ngā taputapu whai mana rawa atu kei ngā kaihoko kāinga tuatahi. Mēnā kua koha koe ki tō KiwiSaver mō te 3 tau, neke atu rānei, ka taea pea 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 $10,000. Ka whakaūngia e mātou tō āheinga, ā, ka āwhina kia whakanuia rawa aua mea e rua.

Ehara i te mea ka aukatia koe inā kāore i tino pai tō hītori nama. Ka mahi tahi mātou me te tini kaiwhakanama — tae atu ki ngā kaiwhakanama ehara i te pēke e titiro ana ki tua o tō tatauranga nama, ā, e aro nui ana ki tō āhuatanga o nāianei me tō kaha ki te whakautu nama. Ka arotakehia pono e mātou tō kōnae, ā, ka tūtohungia te huarahi kaha rawa atu ki mua.

Mai i tō kōrero tuatahi tae noa ki te whakaaetanga tōmua, ko te tikanga ka 3–7 rā mahi mēnā kua rite katoa āu tuhinga. Ka whai mai te otinga hoko i te 4–6 wiki whai muri i te whakaaetanga o tō tāpaetanga. Ka mahi mātou i tō wā ake, ā, ka whakamōhio tonu i a koe i ngā wāhanga katoa.

Kāo. He kore utu rawa tā mātou ratonga tohutohu nama whare ki a koe. Mā te kaiwhakanama mātou e utu, he kāmihana, i te otinga o tō nama — kāore he utu huna, kāore he utu tōmua, kāore hoki he herenga whai muri i tō kōrero tuatahi.

Mārika. He tokomaha ngā kaihoko kāinga tuatahi e whakaaro ana me noho tonu rātou ki tō rātou pēke o nāianei — engari mā te tirotiro whānui (mā mātou rānei e tirotiro mōu) ka whiwhi pea koe i tētahi pāpātanga me tētahi hanganga pai ake. Ka whakataurite mātou i te tokomaha o ngā kaiwhakanama, ā, mā mātou anō te huri katoa e whakahaere, tae atu ki te whakahaere i ngā utu pakaru mēnā ka tika.

Ko te First Home Grant tētahi karahipi kāwanatanga tae noa ki te $5,000 mō tētahi whare kua oti kē, tae noa rānei ki te $10,000 mō tētahi whare hou — mō ia kaihoko tika. Mēnā kei te hoko tahi koe me tō hoa, ka rua whakareatia tērā. Ka whakawhirinaki te āheinga ki āu koha KiwiSaver, ki tō moni whiwhi, ki te paerewa utu whare i tō rohe hoki. Mā mātou e whakaū mēnā e tika ana koe i roto i tō whakawhitiwhiti kōrero kore utu.

Mā te First Home Loan (e tautokona ana e Kāinga Ora) ka taea e ngā kaihoko tika te hoko mā te moni tōmua 5% noa iho — iti iho i te haurua o te paerewa 20%. Ka whai take ētahi paerewa mō te moni whiwhi me te utu whare, ā, ko ngā kaiwhakanama kua whakaaetia anake e tuku ana i tēnei. E mōhio pū ana mātou ko wai ngā kaiwhakanama e whai wāhi ana, ā, e tika ana koe, kāo rānei.

Ko te tikanga ka hiahiatia e koe: 3 marama o ngā tuhinga pēke, 2 pukapuka utu mahi hou (2 tau o ngā puka tāke mēnā he kaimahi motuhake koe), tētahi kape o tō tuakiri, me tō tuhinga putea KiwiSaver. Ka tukuna atu e mātou tētahi rārangi arotahi mōu ake whai muri i tō kōrero tuatahi, kia kore ai e ngaro tētahi mea.

Āe — he mea noa ngā tono tōpū, ā, ka taea e tēnei te whakanui i tō kaha nama tōpū. Mā mātou te nama e whakarite kia hāngai ki tō whakaritenga pupuri rawa (pupuri tōpū, pupuri wāhanga rānei), ā, kia mārama ai ki ngā taha e rua ngā kawenga e pā ana.