He Kaha Ake Tātou ina Tahi.
Hokona Nui Ake, Ngātahi.
Ko te whakakotahi i ō moni whiwhi me tō hoa rangatira, mema whānau, kaihoko tōpū rānei tētahi o ngā huarahi mōhio rawa atu ki te whakapiki i tō kaha nama. Ka whakaritea e AML Home Loans ngā tono tōpū kia nui ake ai tāu — kāore he utu ki a koe.
Ngā Nama Tōpū kua Otinga
35+ Whānau Kiwi
Ka Whai Hua te Nama Tōpū mō Te Katoa
Ahakoa e hoko ana koe i te taha o tō hoa rangatira, tō whānau, tō hoa tata rānei — ko te whakakotahi i ngā kaha he huarahi mōhio ki te whai kāinga.
Ngā Hoa Rangatira
He mārena, he noho tahi, he hononga rānei — ko te whakakotahi i ō moni whiwhi te huarahi auau rawa atu (me te kaha rawa atu) ki te hoko ngātahi.
Te Whānau
Ngā mātua me ā rātou tamariki, ngā tuākana/taina, ngā whānau whānui rānei e whakakotahi ana i ā rātou rawa. Ka whakaritea e mātou ēnei nama kia hāngai ki tō whakaritenga rangatiratanga ahurei.
Ngā Hoa me ngā Kaihoko Tōpū
Kua kaha ake te hoko tahi me tētahi hoa pono i Aotearoa. Ka āwhina mātou i a koe ki te whakarite i te wehewehe rangatiratanga tika me te whakamahere putanga mai i te rā tuatahi.
Kāinga Whenua me ngā Poupapa
He whakaritenga motuhake ō ngā poupapa whenua Māori, ngā poupapa whānau, me ngā nama Kāinga Whenua. E mōhio pū ana mātou ko ēhea kaiwhakanama e mahi ana i ēnei hanganga.
Moni Whiwhi Nui Ake.
Kaha Nama Nui Ake.
Ka tātaihia e ngā kaiwhakanama te nui o tāu ka taea te nama i runga i ō moni whiwhi tōpū, ō utu, me tō pūtea tōmua. He tata tonu ka whakatuwheratia e ngā moni whiwhi e rua tētahi rohe nama teitei ake — e whakatuwhera ana i ngā tātauranga pai ake, ngā whare nui ake, me ngā tono kaha ake.
Rohe Nama Teitei Ake
Mā te moni whiwhi tōpū ka piki tō kaha nama mā te 50–90% i tua atu i te tono takitahi, i runga i ō moni whiwhi ake.
KiwiSaver Tōpū
Ka taea e tēnā, e tēnā kaitono tika te tango i tōna pūtea KiwiSaver, ā, ka taea hoki te whakakotahi i ngā Karahipi Kāinga Tuatahi — tērā pea ka rua noa ake tō piki pūtea tōmua.
Ngā Hanganga Rangatiratanga Ngāwari
Kōwhiria te pupuri tōpū ōrite (rangatiratanga ōrite), te pupuri tōpū wehewehe rānei (wehewehe mā te ōrau). Ka whakaūhia e mātou kia hāngai te hanganga ki tō hononga me āu whāinga.
Mai i te Kōrero Tuatahi tae noa ki Ngā Kī ki Tō Ringa
E rima ngā hīkoi — mā mātou e whakahaere ngā uauatanga o ngā tono tōpū, kia aro tonu koe ki te kimi i te kāinga tika.
Kōrero Tōpū Kore Utu
Ka uru ngā kaitono katoa ki te waea kore utu kotahi. Ka arotakehia e mātou ō moni whiwhi tōpū, whāinga, me te pūtea tōmua — kāore he herenga.
Tirotiro Kaha Tōpū
Ka tātaihia e mātou tō rohe nama tōpū, ā, ka whakaūhia te tikanga KiwiSaver me ngā karahipi mō ia kaitono.
Whakaritea Tō Rangatiratanga
Ka tohutohu mātou mō te pupuri tōpū ōrite, te pupuri tōpū wehewehe rānei — me te wā e hiahiatia ana e koe tētahi whakaaetanga pupuri tōpū.
Tono Tōpū
Ka whakaritea, ka tukuna e mātou tētahi tono kotahi, kua whakariterite, e hipoki ana i ngā kaitono katoa — he tangata whakapā kotahi.
Otinga Ngātahi
Ka tae mai te rā otinga. Ka whiwhi kī koutou katoa. Ka noho tonu mātou i te hono mō ngā taumata ā muri ake.
He Aha ngā Kaihoko Tōpū e Kōwhiri ana i a AML
Ka whakararu ake ngā tono tōpū — he moni whiwhi rerekē, he hītori nama rerekē, he whāinga rangatiratanga rerekē. Mā mātou katoa e whakahaere i te wāhi kotahi.
He Tokomaha ngā Kaiwhakanama, He Kaitohutohu Kotahi
Ka rapu mātou i te mākete whānui, ā, ka kitea te kaiwhakanama pai rawa atu mō tō āhua tōpū — ehara i te mea ko te pēke tuatahi noa iho e whakaae ana.
Kore Rawa he Utu ki a Koe
Kāore he utu kaitakawaenga, kāore he utu huna — ahakoa he tono tōpū uaua me ngā kaitono tokomaha.
Tohutohu Hanganga Rangatiratanga
Ka ārahi mātou i a koe mō te pupuri tōpū ōrite, te pupuri tōpū wehewehe rānei, ā, ka tono atu mātou ki ngā rōia mātanga mō ngā whakaaetanga pupuri tōpū.
Tangata Whakapā Kotahi mō ngā Kaitono Katoa
Mā tētahi kaitohutohu tuku ihotia e whakahaere te tono tōpū katoa — kāore e whai i ngā tāngata tokomaha puta noa i ngā tari rerekē.
Ngā Kaupapa Kōrero
I mua i tō Hoko Ngātahi
Mā te hoko tahi me tētahi atu ka tāpiritia ētahi taumata uauatanga kāore i te hoko takitahi. Mā te tīmata me ngā whakaaetanga me ngā hanganga tika mai i te rā tuatahi ka tiakina te katoa e whai wāhi ana.
2+
Ngā moni whiwhi tōpū kua arotakehia
50/50
He wehewehe rangatiratanga ritenga rānei
5 Rā
Toharite wā whakaaetanga tōmua
Ngā Taupāwhiro Nama Tōpū — Kua Oti
He uauatanga ahurei kei roto i ngā tono tōpū. E mōhio ana mātou ki te whakatere i ēnei katoa.
He Hītori Nama Kino tō Kaitono Kotahi
Ka arotakehia e mātou ia kaitono takitahi, ā, ka kitea te kaiwhakanama tika mō tō āhua tōpū. Ka titiro ngā kaiwhakanama mātanga i tua atu i te kaute, ki tō kaha utu whakahoki o nāianei.
Ngā Momo Mahi Rerekē
Kotahi e utua paenga, kotahi e mahi ake ana? E mōhio ana mātou ko ēhea kaiwhakanama e whakahaere ana i ngā tono moni whiwhi whakakotahi, me te huarahi hei whakaatu i tō kēhi kia nui ake ai te tūponotanga whakaaetanga.
Moni Whiwhi, Pūtea Tōmua Rānei kāore e Ōrite
Ka āwhina mātou i a koe ki te whakarite i te wehewehe rangatiratanga (hei tauira 70/30) kia whakaatu i te takoha a tēnā, a tēnā — e tiaki tōtika ana i ngā taha e rua mai i te tīmatanga.
Te Pōhēhē mō te Whakamahere Putanga
Ka panoni te oranga — ka mutu ētahi hononga, ka neke rānei ngā āhuatanga. Ka tohutohu mātou mō ngā whakaaetanga pupuri tōpū i te tīmatanga, ā, ka taea te whakarite anō i te nama mehemea ka hiahiatia ā muri ake.
Ngā Hanganga Poupapa Whānau
Ka hiahiatia e ngā poupapa whenua Māori me ngā poupapa whānau ngā kaiwhakanama mātanga. Ka mahi tahi mātou me ngā kaiwhakanama mōhio ki ēnei hanganga, ā, ka ārahi i a koe puta i te tukanga.
Te Whakariterite i ngā Kaitono Tokomaha
He wā e hiahiatia ana ki te kohikohi tuhinga mai i te tokorua, neke atu rānei. Ka tukuna e mātou ki ia kaitono tētahi rārangi tirotiro whaiaro, ā, ka whakariterite i te katoa — kia kore ai tētahi mea e ngaro.
Nama Tōpū Pātai Auau
He whakautu pono mō ngā pātai e tino rangona ana e mātou mai i ngā kaihoko tōpū me te whānau.
Ko wai ka taea te tono mō tētahi nama whare tōpū?
Ka taea e te tokorua, neke atu rānei te tono ngātahi — ngā hoa rangatira (he mārena, he noho tahi, he ira kōwhai rānei), ngā tuākana/taina, ngā mātua me ā rātou tamariki, ngā hoa, ngā mema o tētahi poupapa whānau rānei. Ko te mea matua kia whakaingoatia ngā kaitono katoa ki runga i te nama, ā, kia mau tōpū ai te kawenga mō ngā utu whakahoki.
Me pēhea te nama tōpū e whakapiki ai i tō tātou kaha nama?
Ka arotakehia e ngā kaiwhakanama te moni whiwhi tōpū ina whakatau ana i te nui ka taea e koe te nama. Ko te tikanga o ngā moni whiwhi e rua, ka taea e koe te nama nui ake i tērā ka taea e tētahi kaitono takitahi — he maha ngā wā ka taea ai e koe te hoko i ngā rohe, i ngā whāwhānga utu rānei kāore e taea takitahi.
He aha te rerekētanga i waenga i te pupuri tōpū ōrite me te pupuri tōpū wehewehe?
Ko te pupuri tōpū ōrite te pupuri a tēnā, a tēnā i te 100% o te rawa — mehemea ka mate tētahi kaipupuri, ka riro aunoa i tērā atu tōna wāhanga. Mā te pupuri tōpū wehewehe ka taea e koe te pupuri i ngā ōrau rerekē (hei tauira 60/40), ā, ka taea e koe te waiho i tō wāhanga ki te tangata e kōwhiria e koe i tāu wira. Ka āwhina mātou i a koe ki te kōwhiri i te hanganga e hāngai ana ki tō hononga me āu whāinga.
Ka pēhea mehemea ka hiahia tētahi o tāua ki te hoko atu, kāore rānei tētahi?
Koinei tētahi o ngā kōrero nui rawa atu kia whakawhitiwhitia i mua i te hoko ngātahi. E tūtohu ana mātou i tētahi whakaaetanga pupuri tōpū (kua tuhia e tētahi rōia) e whakatakoto ana i te tukanga mō ngā tautohetohe, tae atu ki ngā kōwae hoko whakaaetia, te mana tuatahi ki te whakakore, me ngā wā putanga. Ka taea e mātou te tono atu i a koe ki tētahi rōia e mātanga ana ki ēnei whakaritenga.
Ka taea e māua te whakamahi i ā māua pūtea KiwiSaver tōpū?
Āe — ka taea e tēnā, e tēnā kaitono tika te tango i tōna ake pūtea KiwiSaver mō te pūtea tōmua. Mehemea kua takoha ngā kaihoko tokorua mō te 3+ tau, ka taea e koutou te whakakotahi i ā koutou tango, e tino piki ai tō pūtea tōmua. Tērā pea ka whai wāhi hoki koutou katoa ki te Karahipi Kāinga Tuatahi mehemea koinei tā koutou hokonga tuatahi.
Ka pēhea mehemea he kaute nama iti ake tō tētahi o tāua?
Ka arotakehia ngā hītori nama o ngā kaitono tokorua. Ko tētahi kaute iti ake i tētahi tono, kāore e aunoa ka whakakore i a koe — ka whakawhirinaki tērā ki te kino me te kaiwhakanama. Ka titiro ētahi kaiwhakanama mātanga i tua atu i te kaute nama, ā, ka aro ki tō āhua whānui. Ka tino tōtika mātou mō āu kōwhiringa me ēhea kaiwhakanama e tino whakaae pea ki a koe.
Ka taea e tētahi tangata te unu atu i te nama ā muri ake?
Āe — ka kīia tēnei he whakarite anō nama, he whakahou nama rānei. Mehemea ka panoni ngā āhuatanga (hei tauira ka mutu tētahi hononga, ka hiahia rānei tētahi taha ki te hoko atu i tērā atu), ka taea e mātou te āwhina ki te whakarite anō i te nama ki te ingoa o tētahi tangata kotahi — i runga i te whai wāhi o tērā tangata mā tōna ake moni whiwhi. Mā mātou tēnei tukanga e whakahaere mōu.
Ka utua koutou mō te tohutohu nama tōpū?
Kāo. Kore rawa he utu mō tā mātou ratonga tohutohu nama whare ki a koe. Mā te kaiwhakanama mātou e utu i muri i te otinga o tō nama — kāore he utu huna, kāore he utu tōmua, kāore hoki he herenga i muri i tā tāua kōrero tuatahi.
Kua Rite Koutou ki te Hoko Ngātahi?
Tonoa tētahi kōrero kore utu, kore herenga, me tētahi o ā mātou mātanga nama tōpū. Ka whakaaturia tōtika e mātou ngā mea ka taea e koutou — ngātahi.