Whakanuia Tō Kohinga Rawa.
He Mōhio Ake.
Ka āwhina AML Home Loans i ngā kaiwhakangao tuatahi ki te whakatere i te mākete rawa o Aotearoa — mai i ngā hiahia moni tōmua ki te hanganga nama tika mō te tipu roa.
Ngā Kaiwhakangao kua Āwhinatia
40+ Kohinga Rawa kua Hangaia
He aha AML Home Loans e Kōwhiritia ana mō
Tō Whakangaonga Tuatahi?
He kaitohutohu matatau mātou ki te nama whare whakangao — ehara i te mea he nama kāinga noa. E mōhio pū ana ā mātou kaitohutohu ki te whakarite i tō nama kia nui ake ai ngā hua, kia haumaru ai hoki tō tūnga.
He Tohutohu e Aro ana ki te Kaiwhakangao
E mōhio pū ana mātou ki te nama whakangao mai i te tīmatanga ki te mutunga — ngā ture LVR, ngā kōwhiringa utu-huamoni-anake, me te whakarite kohinga rawa kia nui ake ai ō hua.
He Tokomaha ngā Kaiwhakanama Kua Whakataurite
Ka rapu mātou i ngā pēke me ngā kaiwhakanama tohunga ki te kimi i te pāpātanga me ngā tikanga tino pai rawa, kua hangaia mō ngā whare whakangao.
Kāore he Utu Kaitakawaenga
He kore utu rawa tā mātou ratonga ki a koe. Mā te kaiwhakanama mātou e utu i muri i te otinga o tō nama — kāore rawa he utu huna.
Kotahi Kaitohutohu Motuhake
Ka whiwhi koe i tētahi tangata whakapā kotahi e whakahaere ana i nga mea katoa mai i tō hui rautaki tuatahi tae noa ki te rā otinga.
Te Haerenga Kaiwhakangao o AML
E rima ngā waeko mārama mai i tō kōrero tuatahi tae noa ki te whai kāinga whakangao.
Hui Rautaki
Kōrerohia mai āu whāinga whakangao, tahua pūtea, me te wā — kāore he herenga.
Arotake Kaha Nama
Ka tātaia e mātou tō kaha nama pae teitei, tae atu ki te whiwhinga rīhi.
Whakataurite Kaiwhakanama
Ka honoa koe e mātou ki te kaiwhakanama e tuku ana i ngā tikanga pai rawa atu mō te kaiwhakangao.
Tono me te Whakaaetanga
Mā mātou e whakarite, e tuku anō hoki tō tono — e whakahaere ana i ngā taipitopito katoa.
Otinga me te Tipu
Kua oti tō whakangaonga. Kei konei mātou mō tō whare whai muri hoki.
Ngā Wero Kaiwhakangao Auau e Whakaotihia e Mātou
He matatini te horopaki nama whakangao o Aotearoa. E mōhio ana mātou ki ngā ture — me te pēhea e mahi ai i roto i aua ture mō tō pai ake.
Ngā Herenga LVR
He tokomaha ngā pēke e tono ana i te moni tōmua 35% mō ngā whare whakangao. E mōhio ana mātou ki ngā kaiwhakanama he kōwhiringa ngāwari ake, ā, ka āwhina mātou i a koe ki te whakamahi i tō ekuiti o nāianei hei whakakī i te āputa.
Ngā Wā Utu-Huamoni-Anake
Whakanuia tō hua rīhi mā te whakarite utu-huamoni-anake i te wā e piki ana te uara o tō whare. Ka honoa koe e mātou ki ngā kaiwhakanama e tuku ana i ngā wā roa rawa atu e wātea ana.
Te Matatini o te Kohinga Rawa
He maha ō whare? Ka āwhina mātou i a koe ki te whakarite tō nama puta noa i te kohinga rawa kia pai ake te mahi a tēnā rawa, tēnā rawa, me te kore e whakararu i ērā atu.
Te Tātai Whiwhinga Rīhi
E mōhio pū ana mātou ki te pēhea e arotakehia ai te whiwhinga rīhi e tēnā kaiwhakanama, e tēnā kaiwhakanama — ā, ka whakamahia tēnei mātauranga e mātou kia nui ake ai tō kaha nama ina tukuna tō tono.
Ngā Whakaarohanga Tāke
Ka mahi tahi mātou me tō kaikaute kia hāngai tō hanganga nama ki tō rautaki tāke — tae atu ki te tuku nama me ngā hanganga rangatiratanga.
Ngā Tūraru Whakakotahi Rawa
Ka tohutohu mātou mō ngā tūraru me ngā pai o te whakakotahi i ngā rawa hei here nama, kia haumaru tonu ai tō kohinga rawa, kia mau tonu ai hoki tō ngāwari ki te hoko takitahi i ngā whare.
Whakamaherehia mā te Mōhio,
Whakangaotia mā te Mōhio
Ko te rerekētanga i waenganui i tētahi whakangaonga pai me tētahi whakangaonga tino pai, ko te hanganga nama i te nuinga o te wā. Whakamahia ā mātou kaitātai ki te tauira i ngā utu nama me te rere pūtea, kātahi ka kōrero ki tētahi kaitohutohu e taea ai e ia aua tatauranga e huri hei rautaki pono.
35%
Te moni tōmua iti rawa
I/O
Ngā kōwhiringa utu-huamoni-anake
20+
Ngā kaiwhakanama kua rapua
Ngā Pātai Auau mō te Whare Whakangao
Ngā pātai auau mai i ngā kaiwhakangao tuatahi — kua whakautua e ā mātou kaitohutohu.
He aha te moni tōmua iti rawa mō tētahi whare whakangao?
Ko te nuinga o ngā pēke o Aotearoa e tono ana i te moni tōmua iti rawa o te 35% mō ngā whare whakangao, i raro i ngā tikanga LVR a te RBNZ. Heoi anō, ka mahi tahi mātou me ngā kaiwhakanama ka taea pea te whakaae ki te iti iho i ētahi wā — ina koa mēnā kei i a koe te ekuiti kaha i tētahi wāhi, te whiwhinga moni teitei rānei.
Ka taea e au te whakamahi i te ekuiti o tōku kāinga o nāianei?
Āe. Mēnā kei i a koe te ekuiti e rawaka ana i tō kāinga o nāianei (te tikanga 20%+ ka taea te whakamahi), ka taea e koe te whakamahi i tēnei hei moni tōmua mō tētahi whare whakangao, me te kore e hiahia moni tāpiri. Ka tātaia e mātou tō ekuiti ka taea te whakamahi, ā, ka whakaritea te nama kia iti ai te tūraru ki tō kāinga ā-whānau.
He utu-huamoni-anake rānei ngā nama whakangao?
He tokomaha ngā mea pēnei, ina koa i ngā tau tuatahi. Ko te tikanga o te utu-huamoni-anake, ka hipoki noa ō utu i te huamoni, kāore i te tīnei moni matua — mā konei ka pai ake te rere pūtea i te mea kei te piki tonu te uara o te whare. Ko te nuinga o ngā kaiwhakanama ka whakaae ki te wā utu-huamoni-anake tae atu ki te 5 tau mō ngā nama whakangao. Mā mātou koe e hono ki ngā mea e tuku ana i ngā tikanga pai rawa atu.
Me pēhea te whiwhinga rīhi e pā ai ki tōku kaha nama?
Ko te tikanga, ka taungia e ngā kaiwhakanama te 65–75% o te whiwhinga rīhi hei wāhanga o tō moni whiwhi whānui ina arotakehia tō tono. Mōhio tonu mātou ko ēhea kaiwhakanama e tino atawhai ana i tēnei arotakenga, ā, mā konei ka piki ake tō kaha nama.
He nui ake te pāpātanga a ngā kaiwhakanama ehara i te pēke?
Ko te tikanga, he iti noa ake te teitei o te pāpātanga a ngā kaiwhakanama ehara i te pēke i tā ngā pēke nunui. Heoi anō, he maha ake ā rātou kōwhiringa mō te LVR, te kaha utu nama, me te hītori nama — tērā pea he mea pai tonu tēnei, kei runga i tō āhuatanga ake. Ka whakataurite mātou i ngā mea e rua kia whiwhi koe i te mea pai rawa atu.
Kia tere pēhea taku whiwhi whakaaetanga?
Mā tētahi tono kua oti katoa, ka taea tōna nui te tuku i tētahi whakaaetanga tōmua i roto i te 3–5 rā mahi. Mā ā mātou kaitohutohu e whakarite tō tono kia rite ki ngā tikanga a te pēke mai i te tīmatanga, kia iti ai ngā whakaroa me ngā tono-whakahoki mai i te kaiwhakanama.
Ka taea e au te whakahou i tētahi nama kāinga o nāianei ki te whakangao?
Āe. Mā te whakahou i tō nama kāinga o nāianei ka wātea mai te ekuiti hei moni tōmua mō tētahi whare whakangao — me te kore e hiahia moni tāpiri hou. Koinei tētahi o ngā rautaki tino noa, tino whaihua hoki mā ngā kaiwhakangao tuatahi, ā, mā mātou e whakahaere te tukanga katoa mōu.
Me whai wheako kē ahau ki te whakangao?
Kāore he wheako o mua e hiahiatia. He tokomaha ā mātou kiritaki e whakangao tuatahi ana, kāore anō kia whai i te nuinga atu i te kotahi whare. Ka ārahina koe e mātou i ngā wāhanga katoa — mai i te mārama ki te mākete me ngā ture LVR, tae atu ki te whakarite i tō nama mō te tipu roa — kia whakangao ai koe me te māia.
Kua Rite Koe ki Tō Whakangaonga Tuatahi?
Tonoa tētahi hui rautaki kore utu, kore herenga, me tētahi o ā mātou tohunga whare whakangao. Mā mātou e whakatakoto pū te pēhea e tīmata ai koe.