Kua Tae Mai te Wā mō te
Whakarite Anō, Whakahou Pāpātanga Rānei?
Kaua tō hanganga nama whare e noho hei mea kotahi mō te katoa. Ahakoa ka hiahia koe ki te whakahou ki tētahi pāpātanga pai ake, ki te whakarite anō rānei kia whai ngāwaritanga, ka āwhina a AML Home Loans i a koe ki te kimi i te whakaritenga tika — kore rawa he utu.
Te Pupuri Pūtea Auau mā te Whakahou Pāpātanga
0.25–0.75% Pāpātanga Iti Iho
He Aha te Whakarite Anō, te Whakahou Pāpātanga Rānei?
E rua ngā huarahi kaha ki te mau pakeke ki tō nama whare — kāore e tika kia huri kaiwhakanama.
Te Whakahou Pāpātanga
Ko te whakahou pāpātanga te whakapūmau i tētahi pāpātanga hou mō tētahi wā whakapūmau anō — he 1 ki te 5 tau i te nuinga o te wā — ā, ka noho tonu tō hanganga nama me tō kaiwhakanama o nāianei kia kore e panoni. Koinei te huarahi tere rawa atu ki te mau i tētahi pāpātanga pai ake i te mutunga o tō wā whakapūmau.
- Kaiwhakanama kotahi, hanganga nama kotahi
- Whakapūmautia tētahi pāpātanga whakataetae mō tētahi wā hou
- He tukanga tere — kāore he utu rōia
- Ka taea te whakapūmau i te pāpātanga tae noa ki te 60 rā i mua
Te Whakarite Anō
Ko te whakarite anō te whakarerekē i te hanganga o tō nama — hei tauira, te wehewehe ki ngā wāhanga whakapūmau me te rere, te whakarerekē i ngā wā nama, te panoni rānei i te auau utu whakahoki. Ko tāna he whakarite i tō nama whare kia hāngai ki tō oranga me āu whāinga pūtea o nāianei.
- Wehewehea tō nama ki ngā wāhanga tokomaha
- Whakakotahi te ahuru o te pāpātanga whakapūmau ki te ngāwaritanga o te rere
- Tāpiritia he pūkete whakaheke moni, he nama hurihuri rānei
- Whakarerekētia te roa o ngā wā kia hāngai ki āu whāinga
Kāore koe e mōhio ko tēhea e hiahiatia ana e koe?Ka arotakehia e mātou tō nama o nāianei, ō rā mutunga e haere ake nei, me āu whāinga pūtea, kātahi ka tūtohu mehemea he whakahou pāpātanga, he whakarite anō, he whakahou nama katoa rānei te mea tika mōu.
Āhua Wā Tika mō te Whakaaro ki te
Whakarite Anō, Whakahou Pāpātanga Rānei?
He wā tōtika anō kei roto i tō haerenga pūtea e tino whai hua ai te whakahou pāpātanga, te whakarite anō rānei.
Ka Tata te Mutunga o Tō Pāpātanga Whakapūmau
Ka mutu tō wā whakapūmau i roto i te 60 rā e tū mai nei. Mā te whakatau ināianei ka whakapūmautia tētahi pāpātanga hou i mua i te hekenga o tō nama ki tētahi pāpātanga rere teitei ake — tētahi o ngā mahanga utu nui rawa atu mō ngā kaipupuri whare pukumahi.
Kua Heke ngā Pāpātanga Nama
Mehemea he iti ake ngā pāpātanga o te mākete i tāu e utu nei, mā te whakahou pāpātanga ka pupuri koe i ngā rau tāra ia marama. Ahakoa he heke iti noa, he rerekē nui tōna hua i te roanga o tō nama.
E Hiahia Ana Koe ki te Ngāwaritanga Nui Ake
Mehemea kua panoni ō āhuatanga — he pēpi hou, he piki utu, he mahere whakapaipai whare rānei — mā te whakarite anō ka whiwhi koe i tētahi pūkete whakaheke moni, nama wehewehe, nama hurihuri rānei kia hāngai.
Kua Pōturi te Rere Moni
Mā te whakaroa i tō wā nama, te huri rānei ki te utu-pāpātanga-anake mō tētahi wā poto, ka heke ō utu whakahoki, ā, ka māmā ake te taumahatanga. Ka āwhina mātou i a koe ki te whakarite anō, kaua ia e whakararuraru i āu whāinga mō te wā roa.
E Hiahia Ana Koe ki te Utu Tere Ake
Mehemea kua pai ake ō pūtea, whakaarohia te wehewehe i tētahi wāhanga o tō nama ki tētahi nama rere, nama hurihuri rānei, kia taea ai e koe te utu tāpiri kore utu whiu, kia riro ai tō kāinga i a koe i mua atu.
Kāore Tō Hanganga o Nāianei e Hāngai Ana
Ka panoni te oranga — me panoni anō tō nama whare. Ahakoa e neke ana koe mai i te moni whiwhi takitahi ki te moni whiwhi tōpū, e tīmata ana i tētahi pakihi, e whakamahere ana mō tētahi rawa pupuri, mā te whakarite anō ka mahi tonu tō nama mōu.
Me Pēhea te Mahi a te Whakarite Anō me te Whakahou Pāpātanga —
3 Ngā Hīkoi Ngāwari
Mai i tā tāua kōrero tuatahi tae noa ki tētahi nama e hāngai ana — he mea māmā, he tere.
Arotake Nama Kore Utu
Ka noho tahi tātou — mā te waea, ataata, kanohi ki te kanohi rānei — ā, ka arotakehia tō nama o nāianei, ō rā mutunga pāpātanga e haere ake nei, me āu whāinga pūtea matua. Kāore he utu, kāore he herenga.
Hoahoa i te Hanganga Tika
I runga i āu whāinga, ka tūtohu mātou i te huarahi pai rawa atu — he whakahou pāpātanga ki tētahi reiti pai ake, he wehewehe i tō nama, he tāpiri pūkete whakaheke moni, he whakarerekē rānei i tō wā. Ka whakamāramahia katoa e mātou i roto i te reo ngāwari.
Ka Whakatinanahia e Mātou te Panoni
Ka mahi tahi mātou me tō kaiwhakanama ki te whakatinana i te whakahou pāpātanga, whakarite anō rānei. Ka whiwhi koe i tētahi nama e hāngai ana ki tō oranga — he utu whakahoki, he āhuatanga, he ngāwaritanga hoki e tino whai hua ana mōu.
Ngā Tauira Āhuatanga
Tirohia pēhea te whakahou pāpātanga me te whakarite anō i āwhina ai i ngā whānau Kiwi rite ki tō ake.
Whakahou Pāpātanga Ngāwari
Āhuatanga
Ka mutu te pāpātanga whakapūmau $450,000 a Sarah i roto i te 6 wiki. Ko tōna pāpātanga o nāianei he 6.79%, ā, ko te pāpātanga whakapūmau pai rawa atu e wātea ana ināianei he 5.99%.
Hua
I whakapūmautia e mātou te pāpātanga hou 45 rā i mua, ā, ka pupuri a Sarah i te $300 ia marama — $3,600 ia tau — kāore hoki āna tuhinga pepa ake.
Whakarite Anō mā te Wehewehe Nama
Āhuatanga
He nama whare $600,000 ā Mike rāua ko Emma. E hiahia ana rāua ki te ahuru pāpātanga, engari e hiahia ana hoki ki te ngāwaritanga mō ngā utu tāpiri kore utu whiu.
Hua
I wehewehea e mātou tō rāua nama: 70% whakapūmau ki tētahi pāpātanga whakataetae mō te 2 tau, 30% rere me tētahi pūkete whakaheke moni. Ka pupuri rāua i te pāpātanga, ā, ka mau tonu te uru ki ā rāua pūtea penapena.
Whakaroa Wā mō te Rere Moni
Āhuatanga
I muri i te whānautanga o tā rāua tamaiti tuarua, i hiahia a Tom rāua ko Lisa ki te whakawātea i te rere moni ia marama. I runga tō rāua nama $520,000 i tētahi wā 25 tau.
Hua
I whakarite anō mātou ki tētahi wā 30 tau, me tētahi whakahou pāpātanga ki tētahi reiti iti iho. I heke ā rāua utu whakahoki ia marama ki te $480, ā, ka whai māu rāua i tō rāua wā whakatā mātua.
Whakarite Anō me te Whakahou Pāpātanga Pātai Auau
He whakautu tōtika mō ngā pātai auau mō te whakahou pāpātanga me te whakarite anō i tō nama whare.
He rite te whakahou pāpātanga ki te whakahou nama?
Kāo. Ko te whakahou pāpātanga te pupuri tonu i tō nama o nāianei i te kaiwhakanama kotahi, engari ka whakapūmautia he pāpātanga hou mō tētahi wā whakapūmau anō. Ko te whakahou nama ia, ko te neke ki tētahi kaiwhakanama rerekē rawa atu. He tere ake, he ngāwari ake hoki te whakahou pāpātanga i te nuinga o te wā, engari mā te whakahou nama pea ka whiwhi koe i tētahi utu whakahoki pūtea, i ētahi āhuatanga nama rerekē, i tētahi pāpātanga pai ake rānei mehemea kāore tō kaiwhakanama o nāianei e whakataetae ana.
Ka taea e au te whakarite anō i a au tonu e whakapūmau ana?
Āe, engari tērā pea ka whakaarohia koe kia utu i te utu whati mehemea ka wehe, ka whakarerekē rānei i tō nama i mua i te mutunga o te wā whakapūmau. Ka whakaaetia e ētahi kaiwhakanama te whakarite anō wāhanga, kāore he utu whiu. Ka tirohia tuatahi e mātou ngā nama — mehemea he nui ake te hua mō te wā roa i te utu whati, tērā pea he mea tika tonu te mahi.
Ka panoni tōmua ōku utu whakahoki?
Āe — ina whakahoutia, whakaritea anō rānei tō nama, ka whai mana tōu pāpātanga hou, ā, ka hāngai anō ō utu whakahoki. Mehemea e whakahou ana koe, ka whiwhi koe i tētahi rārangi utu hou i mua i te panonitanga, kia kore ai e ohorere. Mehemea e whakarite anō ana koe (hei tauira, e wehe ana ki ngā wāhanga whakapūmau me te rere), ka whai tana ake utu ia wāhanga.
Me pēhea te auau o te arotake i tōku nama?
E tohe ana mātou kia arotakehia tō nama kia kotahi i te tau, ki te mutunga rānei o tō pāpātanga whakapūmau ia wā. He tokomaha ngā Kiwi e whakatakoto ana ka wareware noa iho, engari he tere te neke o te mākete — mā te tirotiro ia tau ka taea pea e koe te pupuri i te mano moni. Kāore he utu mō tā mātou arotake nama, kāore anō hoki he herenga — nō reira kāore he take e kore ai koe e aro tonu.
He aha te wehewehe nama, ā, me whakaaro au ki tētahi?
Ko te wehewehe nama ko te tātaritanga o tō nama ki ngā wāhanga — hei tauira, 60% whakapūmau, 40% rere. Mā tēnei ka whai koe i te ngāwaritanga: ka whiwhi koe i te ahuru o te pāpātanga whakapūmau mō te nuinga o tō nama, ā, ka pupuri tonu i tētahi wāhanga rere mō ngā utu tāpiri, pūkete whakaheke moni rānei. Koinei tētahi o ngā whakaritenga anō e tino tūtohungia e mātou.
He pēhea te tawhiti i mua i te mutunga o tōku pāpātanga whakapūmau ka taea ai te whakahou?
Ka taea e te nuinga o ngā kaiwhakanama kia whakahoutia tō pāpātanga i waenganui i te 14 me te 60 rā i mua i te mutunga o tō wā whakapūmau o nāianei. Ka taea anō e ētahi kia whakapūmautia tētahi pāpātanga tae noa ki te 90 rā i mua. Ka aro tonu mātou ki ō rā mutunga, ā, ka whakapā atu i mua i te hekenga o tō pāpātanga ki tētahi pāpātanga rere teitei ake.
Ka pēhea mehemea ka ngaro i a au tōku wā whakahou?
Mehemea kāore koe e whakahou i mua i te mutunga o tō wā, ka heke taurite tō nama ki te pāpātanga rere paerewa a te kaiwhakanama — he mea teitei ake tērā i te nuinga o te wā i te pāpātanga whakapūmau. Mā te ahu wawe ka mau koe i te pāpātanga pai rawa atu e wātea ana, ā, ka kore koe e utu nui ake i te mea e tika ana.
Kua Rite Koe ki te Mau Pakeke i Tō Nama?
Tonoa tētahi arotake hanganga nama kore utu, kore herenga. I roto i te 30 meneti, ka whakaaturia e mātou āu kōwhiringa — he whakahou pāpātanga, he whakarite anō, he mea i waenganui rānei.