Hoa Hoko Whare Tuatahi
Ka taea e te Hoa Hoko Whare Tuatahi te āwhina ki te whakakī i te āputa mēnā kāore i te eke katoa tō moni tāpui me tō pūtea taurewa whare ki te hoko i tētahi whare hou.
Ko te Hoa Hoko Whare Tuatahi ko tētahi kaupapa whai whare ngātahi hei āwhina i te hunga e manoko ana ki te hoko i tō rātou whare tuatahi. Ki te kore e rawaka tō moni tāpui me tō pūtea taurewa whare hei hoko i tētahi kāinga e whakatutuki ana i ō hiahia, ka māraurau pea koe hei hoko i tētahi kāinga ngātahi ki a Kāinga Ora. Ka aromatawaitia ngā tono i runga i te āhuatanga o tēnā, me tēnā, ā, kei runga i te nui o te hiahia me ngā pūtea e wātea ana.
Ngā mahi mō te whai kāinga mā te Hoa Hoko Whare Tuatahi
Whiwhi mōhio mō ngā mahi hira o te ara o te Hoa Hoko Whare Tuatahi mai i te tono ki te whiwhi kāinga i 'Ngā mahi mō te whai kāinga mā te Hoa Hoko Whare Tuatahi [PDF, 456 KB].' Mō ētahi taipitopito anō, whakarohatia ngā ripa i raro.
Me mātua tutuki i a koe ngā whakaritenga taurewa o tētahi pēke e whai wāhi mai ana hei whiwhi i tētahi pūtea taurewa whare, ā, me āhei hoki te utu i te mōkito o te 5% o te utu hokotanga o te kāinga e hiahia ana koe ki te hoko. Ka nui ake te pūtea kei a koe hei tuku atu, ka pai ake.
Kia māraurau ai koe ki te Hoa Hoko Whare Tuatahi, me pēnei koe:
- me neke atu i te 18 ō tau
- me kirirarau nō Aotearoa, me kainoho tūturu, me kaipupuri kōkota kainoho rānei e "noho noa ana ki Aotearoa"; TĒRĀ RĀNEI me tono ngātahi ki tētahi atu e whakatutuki ana i ngā here o te kirirarau, o te kainoho rānei, ā, kua mārena kōrua, kua hono ā-ture kōrua, kua moe māori kōrua rānei
- me kaua e neke atu te i te $150,000 te moni whiwhi ā-kāinga tapeke i mua i te tāke
- me whai pae taurewa pai (e hāngai ana ki tētahi pūrongo taurewa)
- me kaihoko whare tuatahi
- kua kore i whiwhi i te tautoko rangatiratanga ngātahi i a Kāinga Ora i mua
Me mātua hoko te kāinga hei nohoanga mōu, ā, me ū ki te noho ki reira hei tō nohoanga matua mō te toru tau i te itinga iho atu i tō rā whakataunga. Tirohia ngā kāinga e māraurau ana mō te Hoa Hoko Whare Tuatahi ki te nekehanga e 4, 'Te rapu me te hoko i tētahi kāinga', ki raro nei.
Ka pā pea ngā whakaritenga moni whiwhi rerekē mēnā he maha ngā reanga o tō whare noho, he whānau rānei e ono, neke atu rānei ngā tāngata e noho tahi ana. Me whakapā mai ki 0508 935 266, ki firsthome.enquiries@kaingaora.govt.nz, ki te kōrero mō ngā āhuatanga o koutou e noho tahi ana.
Ngā here moni tāpui
Me mātua tuku whakaaturanga kei a koe te takoha mōkito o te 5% ki te utu hokonga o te kāinga e hiahia ana koe ki te hoko. Kei roto pea i tēnei ko te pūtea:
- kua penapenahia e koe ki te pēke
- mai i tō tangohanga kāinga-tuatahi a KiwiSaver
- mai i tētahi whakaae Tuku Kāinga Tuatahi
- he koha ki a koe nā tētahi whanaunga
Mēnā e whakamahi ana koe i te pūtea koha, me whakarato e koe tētahi whakapuakanga koha kua whakakīia.
Whakapuakanga koha Hoa Hoko Whare Tuatahi [PDF, 26 KB]
Ka nui ake tō pūtea hei takoha ki te hokonga o te kāinga, ka pai ake, nā te mea mā konei e whakarite kia tata ake koe ki te whai whare tūturu.
Ngā paearu taurewa a te pēke
Hei tāpiri atu ki te whakatutuki i ngā whakaritenga āheitanga a Kāinga Ora mō te Hoa Hoko Whare Tuatahi, me whakatutuki hoki koe i ngā paearu taurewa o tētahi pēke e whai wāhi mai ana kia tukuna e rātou tētahi pūtea taurewa whare ki a koe.
He paku rerekē ngā paearu taurewa a tēnā, a tēnā o ngā pēke, o ngā kaituku, heoi kei roto rā ko tō āheinga ā-pūtea ki te utu anō i te pūtea taurewa, ko ō āhuatanga pūtea, ko tō hītori taurewa, ā, ko te āhua o tāu whakahaere i ō kaute pēke i mua.
Tirohia ā mātou pēke e whai wāhi mai ana ki te nekehanga e 3, 'Te whiwhi i te whakaae-tōmua mō te pūtea taurewa whare mai i tētahi pēke', ki raro nei.
Mēnā he kaihoko whare o mua koe
Mēnā he kaihoko whare o mua koe i Aotearoa, i tāwāhi rānei, engari kāore i te pērā tonu, ka māraurau pea koe mō te Hoa Hoko Whare Tuatahi. Me tutuki tonu i a koe ngā paearu māraurau noa. Hei tāpiri ki tērā, me pēnei koe:
- me kaua e noho hei rangatira o tētahi kāinga ināianei ki Aotearoa, ki tāwāhi rānei
- kāore i whiwhi i te tautoko ā-pūtea i mua mai i a Hoa Hoko Whare Tuatahi
- me kaua e whai i ngā rawa ka taea te hoko atu he nui ake i te 20% te wāriu o te pōtae utu whare mō ngā kāinga ki te wāhi e hokona atu ana e koe.
Ko ngā rawa ka taea te hoko atu ko ngā rawa ka taea e koe te hoko atu hei āwhina ki te hoko whare, tae atu ki ēnei:
- ko te pūtea ki ngā kaute pēke (kei roto nei ko ngā moni tāpui wā whāiti me ngā moni tāpui tūmau)
- ko ngā hea, ko ngā tāka, ko ngā monihere hoki
- ko ngā haumitanga ki ngā pēke, ki ngā whakanōhanga pūtea rānei
- ko ngā hea rangatōpū hanganga
- ko ngā waka, ko ngā kerewēne he nui ake i te $5,000 te wāriu
- ko ētahi atu waka (pērā i ngā motopaika tauhira, i ngā waka ehara i tō momo ikiiki noa)
- ko ētahi atu rawa takitahi he nui ake i te $5,000 te wāriu
- ko ngā moni tāpui kua utua ki te kaihoko papanoho.
Kāore ngā tahua KiwiSaver e arohia ana hei rawa ka taea te hoko atu.
Ā muri i tō tono ki te Hoa Hoko Whare Tuatahi
Ka whiwhi koe i tētahi īmēra aunoa e mihi ana ki tō tono. E whai ana mātou kia aromatawai i ngā tono katoa i roto tonu i te rima rā mahi – ki te hiahia mātou ki ētahi atu mōhiohio mai i a koe, mā mātou e whakapā atu ki a koe ā roto tonu i tērā wā hei tono atu i tēnā.
Mēnā ka angitu tō tono
Mēnā ka angitu tō tono ki te Hoa Hoko Whare Tuatahi, ka whakapā atu mātou ki a koe hei kōrerorero i ō kawenga hei rangatira ngātahi, hei tuku hoki ki a koe te Reta Whakaūnga Māraurau me te Whakaetanga Takohanga.
Ina whakaūngia, ka whaimana tonu tō māraurau mō te ono marama.
Reta whakaūnga māraurau
E whakaū ana tēnei reta e whakatutuki ana koe i ngā paearu māraurau a Kāinga Ora mō te Hoa Hoko Whare Tuatahi, ā, e tukuna ana te nuinga whakatau tata ka takoha atu a Kāinga Ora ki te hokonga whare.
Ka tonoa pea tēnei reta e tētahi pēke e whai whai wāhi mai ana ina whakarite ana koe i tō pūtea taurewa whare.
He Whakaaetanga Takohanga
E whakatakotoria ana e te Whakaaetanga Takohanga ō takohanga me ō kawenga i roto i te rangatiratanga ngātahi, ā, e whakahaere ana i te hononga i waenga i a koutou ko Kāinga Ora i mua i te hokonga o tētahi whare. Me waitohu, me whakahoki hoki koe i te Whakaaetanga Takohanga ki a Kāinga Ora i mua i tō tuku tono ki tētahi whare.
Whakapuakanga ā-Ture Papanoho Onāianei
He pēnei i te aratohu te Whakapuakanga ā-Ture Papanoho Onāianei mō te hoko whare onāianei mā ngā āwhina o te Hoa Hoko Whare Tuatahi. E whakarārangi ana tēnei i ngā mōhiohio e hiahiatia ana hei āwhina i a mātou kia mārama ai ki te āhuatanga o te kāinga. Me mātua whakaoti tēnei tuhinga me te mātakina i te taha o tō rōia.
Mēnā kāore tō tono e angitu
Ki te kore e tutuki i a koe ngā paearu māraurau a Kāinga Ora, ka īmēra atu mātou ki a koe hei whakamōhio atu ki a koe. Ka taea pea e koe te tono anō ā te anamata mēnā ka huri ngā āhuatanga e pā ana ki a koe, ā, ka tutuki i a koe ngā paearu.
Mēnā ka huri ō āhuatanga
Mēnā ka huri ō āhuatanga whaiaro ā muri i tō tono i te Hoa Hoko Whare Tuatahi (hei tauira, he huringa ki te whai mahi, ki te moni whiwhi rānei), whakapā mai ki tō mātou rōpū kia kite ka pēhea te pā pea a tēnei ki tō māraurau.
Ahakoa ka whakatakotoria e Kāinga Ora ngā paearu māraurau mō te Hoa Hoko Whare Tuatahi, kei ngā pēke e whai wāhi mai ana ā rātou ake paearu tuku pūtea taurewa ka whakatau ai i ā rātou whakatau tuku pūtea taurewa.
Hei tāpiri atu ki te whakatutuki i ngā māraurau Kāinga Ora mō te Hoa Hoko Whare Tuatahi, me whakatutuki hoki koe i ngā paearu taurewa o tētahi pēke e whai wāhi mai ana kia tukuna e rātou tētahi pūtea taurewa whare ki a koe. Mā te whai i te pūtea taurewa whare kua whakaae-tōmua koe e āhei ana ki te mārama ki te kaha o tō hokotanga pea me te nuinga mōrahi ka taea pea e koe te mino atu ki tērā. Ka āwhina tēnei kia:
- hoatu i te whānuitanga utu ka whai whakaarohia e koe hei hoko i tētahi whare
- whakaatu ki ngā kaihoko whare, ki ngā kaihoko papanoho e tino aro ake ana koe ki te hoko whare
- whakatere i te tukanga kia whai i te whakaae pūtea taurewa katoa ina kite koe i tētahi whare e hiahia ana koe ki te hoko
Kei ngā pēke, kei ngā kaituku katoa ngā paearu taurewa paku rerekē, heoi i roto pea i ngā mōhiohio ka tonoa e rātou ko:
- tō reta whakaūnga māraurau ki a Hoa Hoko Whare Tuatahi o Kāinga Ora
- ō taipitopito whai mahi
- tō moni whiwhi ā-tau me te uara o ō rawa
- te nuinga ka taea e koe te takoha ki te moni tāpui
- tō nama o nāianei, ō taunahatanga me ngā whakapaunga kāinga tūtahi (hei tauira, te kāri nama, te hoko harangote, te aha atu)
- ngā taipitopito o te momo whare e whāia ana koe kia hokona.
Ka pau te nuinga o ngā whakaae-tōmua pūtea taurewa whare ā muri i te wā kua whakaritea (hei tauira, te toru marama). Mēnā ka huri tō āhuatanga ā-pūtea me kōrero koe ki te pēke nāu i kōwhiri hei whakahou i ō āhuatanga me te whai kia tukuna anō tō whakaae-tōmua.
Ngā pēke e whai wāhi mai ana
www.westpac.co.nz(external link)
Waea Utukore: 0800 177 277
www.bnz.co.nz(external link)
Waea Utukore: 0800 275 269
www.kiwibank.co.nz(external link)
Waea Utukore: 0800 000 654
Whakapā mai(external link)
www.sbsbank.co.nz(external link)
Waea Utukore: 0800 727 2265
Ina mārama koe ki tō tahua, ki te nui hoki ka taea e koe te mino hei hoko i tētahi whare, kua tae ki te wā ki te rapu i te whare tika e whakatutuki ana i ō hiahia.
Te mārama ki tō tahua
Mā te hanga i tētahi tahua e āwhina koe kia mārama ki te momo, ki te rahi, ki te wāhi hoki o te whare hou e tareka ā-utu ana e koe, te whakatakoto i ngā whāinga penapena, te mārama ki ō whakapaunga noho, me te whakamōhio i a koe ki te nuinga me mino. Me mōhio koe ki:
- Tō moni whiwhi ā-kāinga me ngā whakapaunga utu
- Kia hia te nui ka taea e koe te takoha ki te moni tāpui
- Kia hia ngā utu anō i te pūtea taurewa whare ka taea e koe
Ka whakaū a Kāinga Ora i te nuinga pū ka taea e mātou te takoha ki te hoko tahi i tētahi whare ki a koe ina riro i a koe tō pūtea taurewa whare kua whakaae-tōmua mai i tētahi pēke e whai wāhi mai ana, me te tuku mai i tēnā ki a mātou.
Ngā whare e māraurau ana ki a Hoa Hoko Whare Tuatahi
Me pēnei ngā whare e māraurau ana ki a Kāinga Hoa Hoko Whare Tuatahi:
- me hanganga 'tino hou' - ko te tikanga o tēnei ko te whare ko tētahi hanganga hou kāore i nohoia i mua e tētahi (atu i te kaiwhakawhanake, i te kaihanga whare rānei), ā, kua riro te Tiwhikete Tautuku Tikanga i roto tonu i te 12 marama; tērā rānei
-
me hoko 'mai i ngā mahere' - ko te tikanga o tēnei e hoko ana koe i tētahi whare hou i mua i te otinga o te hangatanga. Me hoko ngātahi te whare me te whenua i te Whakaaetanga Hokotanga kotahi. Kāore te Hoa Hoko Whare Tuatahi i te tautoko i ngā utu mō ngā ratonga ā-kirimana, i ngā pūtea taurewa hanganga rānei
- He kāinga onāianei kei raro te utu tautiaki whare i te $5,000.00, kia whakatauhia e tētahi mātanga wāriu papanoho motuhake me te pūrongo tirotiro papanoho (me mātua rēhita te mātanga wāriu/whakaaetia e te kaituku)
- me āhei te noho atu i te rā whakataunga, atu i te rā whakaotinga hāngai rānei mai i te wā kua tukuna te Tiwhikete Tautuku Tikanga/taitara
- me aromatawai e ai ki ngā paearu taurewa a te pēke
Me mātua hoko te kāinga hei nohoanga mōu hoki, ā, me ū ki te noho ki reira hei tō nohoanga matua o te wāhi noho mō te toru tau i te itinga iho atu i tō rā whakataunga. Mēnā ka huri ō āhuatanga whaiaro kia herea koe ki te hūnuku atu, ki te hoko atu rānei i tō kāinga i roto tonu i tēnei wā e toru-tau te roa, me kōrero tēnei e koe ki a Kāinga Ora.
Hei wāhanga o tō tono, ka aromatawai mātou i ō āhuatanga, i ngā wāhi e aro ake ana koe ki te hoko i reira, me te whakarato aratohu hei āwhina i a koe ki te rapu i tētahi kāinga tōtika mō ngā hiahia o tō kāinga tūtahi. Oti ana tō tautohu i tētahi papanoho e māraurau ana he mea tareka ā-utu māu, me whakapā mai koe ki a mātou hei whakaū e whakatutuki ana te papanoho i ngā āhuatanga e whakatakotoria ana i tō Whakaaetanga Takohanga, hei tīmata hoki i te tukanga o te hoko ngātahi i te whare.
Te hoko i tētahi whare
Mēnā e ū ana te kāinga e hiahia ana koe ki te hoko ki ngā here i roto i te Whakaaetanga Paiherenga me te Whakapuakanga ā-Ture Papanoho, kātahi pea ka tukuna e mātou tētahi Reta Whakaae ki a koe hei tuku māu ki tō pēke kua kōwhiria e koe, me tētahi Whakaaetanga Rangatiratanga Ngātahi e whakahaere ana i te hononga ki a Kāinga Ora mō te wā e ngātahi ana te mana o te kāinga.
Ka tukuna hoki tētahi Whakaaetanga Hokotanga ki a koe e te kaihoko o te kāinga.
Te Reta Whakaae
E whakaū ana te Reta Whakaae kei te ū te kāinga e hiahia ana koe ki te hoko ki ngā here o te mana ngātahi me Kāinga Ora e takoto ana i roto i tō Whakaaetanga Paiherenga, me te rahinga tūtanga whakamutunga ka taea pea e mātou mō te hoko i te kāinga me koe. Ka tono te pēke nāu i kōwhiri i tēnei hei wāhanga o te whakaoti i tō pūtea taurewa whare.
Te Whakaaetanga Rangatiratanga Ngātahi
Ko te Whakaaetanga Rangatiratanga Ngātahi ko tētahi whakaaetanga i waenga i a koutou ko Kāinga Ora, ā, he wāhanga e herea ana o te hoko i tētahi whare ki a Hoa Hoko Whare Tuatahi. E whakatakotoria ana ngā taipitopito o te āhua o tā tātou whai ngātahi i te whare, ā, i roto rā ko:
- ngā tika me ngā haepapa nōu, hei rangatira me te hea tino nui rawa ki te whare, mō Kāinga Ora hoki hei tētahi rangatira ā-kaireti ngātahi
- tō kawenga ki te whakapau kaha hei hoko i te hea o te whare nō Kāinga Ora i roto tonu i te 15 tau o tō rā whakataunga
- ō kawenga ki te whakaū, ki te tautiaki hoki i te whare
- ngā whakaritenga kia rapu whakae tōmua koe i a Kāinga Ora mō ngā whakapai ake, mō ngā whakahounga rānei ki te whare
- te tukanga o te whiwhi wāriutanga, o te hoko atu i te papanoho, me te haepapa mō ngā utu ka pāngia
- āhea oti ai te whakaaetanga me te hononga ki a Kāinga Ora.
Te Whakaaetanga Hokotanga
Ko te Whakaaetanga Hokotanga ko tētahi kirimana i waenga i te kaihoko atu me te kaihoko mai o tētahi whare. Ka whakatakotoria ka ahatia, āhea, ā, ka whakatakotoria hoki ngā ture me ngā here o te hokotanga. Me mātua tuku e koe he kape o tō Whakaaetanga Hokotanga kāore anō kia waitohungia me ngā whiti a Kāinga Ora i roto (Herenga mō te Whakaaetanga Hokotanga – Rārangi Arowhai) hei wāhanga o te Whakaaetanga Hokotanga. Tahi ki tētahi kape o ngā whakatakotoranga me ngā mahere mō te papanoho, o te Tiwhikete Tautuku Tikanga rānei, mēnā kua hangaia houtia. Ka arotake a Kāinga Ora i te papanoho, ā, ka waitohu i te Whakaaetanga Hokotanga hei kaihoko-ngātahi, ka whakahoki atu i ēnei ki tō Rōia.
Me mātua tuku e koe ngā kape o ēnei tuhinga kua waitohungia ki a mātou i te 10 rā mahi i te itinga iho i mua i tō rā whakataunga. Ki te kore mātou e whiwhi i ngā tuhinga kua waitohungia i roto tonu i tēnei wā, ka whakaroatia pea tō mātou wāhanga o te tūtanga nō mātou, ā, kāore e utua i te wā tika mō te whakataunga.
Kei te hiahia mātou kia whai koe i tō whare hei te wā tino tata ka taea ā-pūtea e koe i roto tonu i te 15 tau tuatahi o te whai whare. Ka tautoko a Kāinga Ora i a koe i tēnei haerenga ki tētahi Hōtaka Whakahaere Whāinga ina noho ana koe i tō whare hou.
Te Hōtaka Whakahaere Whāinga
E wātea mai ana te Hōtaka Whakahaere Whāinga kia ū tonu koe ki te ara ki ō whāinga ki te whai whare. I roto i tērā ko ngā hui ā-tau i tō kāinga me tētahi Whakahaere Hononga a Kāinga Ora, ka mahi tahi ia ki a koe, ka āwhina hoki i a koe kia whakatutuki i ngā whāinga mō:
- te tū hei rangatira whare tōtahi (me tō whakapau kaha kia whakatutuki i tēnei i roto tonu i te 15 tau)
- te tautiaki i te whare kia ōrite tonu te āhuatanga ki tērā i te wā i hokona
- tō noho tonu i te whare i roto i te wā o te rangatiratanga ngātahi.
Me mātua tuku e koe ngā mōhiohio ki a mātou mō ngā āhuatanga pūtea o nāianei, o anamata hoki o tō kāinga tūtahi. I roto pea i tēnei ko ngā mea o nāianei mō:
- te moni whiwhi ā-kāinga
- ngā penapena
- ngā whakapaunga, ngā utunga pūtea taurewa anō rānei.
Mēnā kāore anō koe kia hoko i te hea o tō whare nō Kāinga Ora i roto tonu i te 15 tau mai i te whai whare, ka namahia tētahi utu ā-tau atu i te tau 15 hei utu i ngā utu whaitake ka pā ki a Kāinga Ora.
Te hoko i te hea nō Kāinga Ora
Ka taea e koe te hoko i te hea nō Kāinga Ora hei:
- te utu kotahi mō te tapeke katoa; tērā rānei
- ki ngā utunga takitahi he paku ake ka whakatutuki tēnā me tēnā i te nuinga hokotanga mōkito (hei tauira, te $1,000).
Ka whakatauhia te nuinga e hiahiatia ana mō tō utunga e te wāriu o te kāinga hei taua wā. Nā konei, mēnā kua piki ake te wāriu o te papanoho mā te 10% mai i tō hoko tuatahi i tēnā, ka nui ake te utu mō te hoko i te hea o te kāinga nō Kāinga Ora mā te 10%.
Oti ana tō hoko katoa i te hea nō Kāinga Ora, kua tū koe hei rangatira whare tōtahi.
Te hoko atu i te whare
Kua hoahoatia a Hoa Hoko Whare Tuatahi ki te āwhina i a koe kia tū hei rangatira whare tōtahi, heoi i roto i te wā o te rangatiratanga ngātahi ka hiahia pea koe ki te hoko atu i tō whare, me mātua hoko atu rānei i runga i:
- he panoni i ō āhuatanga whaiaro (hei tauira, he panoni i te whai mahi)
- he panoni i ō āhuatanga pūtea
- kua kore tō āhei ki te hoko i te hea nō Kāinga Ora.
Ka taea hoki e tō Kaiwhakahaere Hononga a Kāinga Ora te whakamārama atu ki a koe ngā kōwhiringa e wātea ana ki a koe.
Mēnā ka hokona atu te whare i te wā he rangatira ngātahi tonu a Kāinga Ora, ka whakawehea ngā moni hua i te hokonga mā te hautanga o te hea e puritia ana e ia rōpū. Hei tauira, mēnā nō Kāinga Ora tonu te 10% o te papanoho, ā, ka hokona atu mō te $800,000, e tika ana kia whiwhi mātou i te $80,000 mai i te hokotanga.
Kei te whakatau tonu mēnā e tika ana te Hoa Hoko Whare Tuatahi māu?
Whakawhānuitia ake ngā ripa i raro nei mō ētahi mōhiohio anō, tērā rānei, ki te kore koe e kite i tāu e kimi nā, waea atu ki te rōpū i waenga i te 9 i te ata ki te 5 i te ahiahi, Mane ki te Paraire ki 0508 935 266.
He aha te Rangatiratanga Ngātahi?
Ko te tikanga o te rangatiratanga ngātahi i te tīmatanga kei a kōrua ko tētahi kiritoru te rangatiratanga ngātahi o te whare, ka hoko tahi kōrua ko taua kiritoru i te whare (i tēnei horopaki ko Kāinga Ora tērā). Ko koe te rangatira me te hea tino nui rawa ki te whare me te kainoho, engari nō mātou tētahi hea ki te whare, ka hokona e koe ā roto i te wā.
Ka whakatauhia te hanganga o te rangatiratanga ngātahi e ētahi āhuatanga, i roto nei ko:
- Te nui o te moni tāpui i a koe
- Te nui e pai ana tētahi kaituku e whai wāhi mai ana ki te tuku taurewa ki a koe
- Te nui o te takoha a Kāinga Ora ki te hoko tahi i te whare ki a koe.
Hei tauira, kua penapena pea koe i te 10% o te utu hokotanga o tētahi whare, ā, e pai ana tētahi pēke e whai wāhi mai ana ki te tuku taurewa i te 75% ki a koe. Kātahi ka takoha a Kāinga Ora i te 15% hei hoko tahi i te whare ki a koe, ā, ko te whakahokinga ko te hea 15% o te rangatiratanga o te whare.
E hia te tūtanga ka whakaratoa pea e Kāinga Ora?
Ka aromatawaihia ia kaitono mō te Hoa Hoko Whare Tuatahi i runga anō i ia kēhi. Ko te takoha mōrahi ka whakaratoa e Kāinga Ora ki te hoko whare ko te 25%, ko te $200,000 rānei – ko te mea iti iho o ēnei.
Me mātua tutuki i a koe ngā whakaritenga taurewa o tētahi pēke e whai wāhi mai ana hei whiwhi i tētahi pūtea taurewa whare, ā, me āhei hoki te utu i te mōkito o te 5% o te utu hokotanga o te kāinga e hiahia ana koe ki te hoko.
He aha te rerekē o te hoko i te whare ki a Hoa Hoko Whare Tuatahi?
Kāore e tino rerekē te āhua o te rangatiratanga ngātahi i te whai whare katoa i ia rā. Ko koe te rangatira me te hea tino nui rawa ki te whare, ā, kāore a Kāinga Ora e whakamahi, e noho rānei i tō whare. Heoi anō, arā ētahi rerekētanga hira me whai whakaaro e koe
- me tutuki tonu i a koe ngā paearu māraurau a Hoa Hoko Whare Tuatahi
- Ka whai ngātahi a Kāinga Ora i te whare ki a koe hei rangatira-ngātahi i te taitara
- e whakahaerehia ana te hononga rangatiratanga ngātahi i waenga i a kōrua ko Kāinga Ora e te Whakaaetanga Rangatiratanga Ngātahi.
- e ū ana koe ki te noho i tō whare hei tō nohoanga matua o te wāhi noho mō te toru tau i te itinga iho ā muri i te rā whakataunga
- ka hui koe kia tētahi Kaiwhakahaere Hononga a Kāinga Ora ia te tau hei arotake i ngā āhuatanga pūtea o tō kāinga tūtahi me te mahi kia ahu atu koe ki te whāinga o te whakatutuki i te rangatiratanga whare katoa
- me whakapau kaha koe ki te hoko i te hea o te whare nō Kāinga Ora i roto tonu i te 15 tau tuatahi o te whai whare, ā, me mātua oti te hoko i te katoa o te hea hei te huritau e 25 mai i te rā whakataunga o te whare
- me rapu whakaaetanga koe i a Kāinga Ora i mua i te mahi i ngā whakapai ake, i ngā whakahoutanga rānei, mēnā rānei e hiahia ana koe ki te hoko atu i tō whare.
Kei raro nei ētahi o ngā pātai auau mō te Hoa Hoko Whare Tuatahi. Tōna tikanga he mea āwhina ēnei pātai auau, engari ehara i te kōrerorero katoa, ā, me kaua e whakakapi i te tohutohu ā-ture.
Ki te kore koe e kite i te whakautu e kimihia ana e koe, e wātea ana te rōpū ki te āwhina mai i te 9 i te ata ki te 5 i te ahiahi, Mane ki te Paraire.
E hia te tūtanga ka whakaratoa pea e Kāinga Ora?
Ka aromatawaihia ia kaitono mō te Hoa Hoko Whare Tuatahi i runga anō i ia kēhi. Ko te takoha mōrahi ka whakaratoa e Kāinga Ora ki te hoko whare ko te 25%, ko te $200,000 rānei – ko te mea iti iho o ēnei.
Ka taea e au te hoko i ngā kāinga katoa ki te Hoa Hoko Whare Tuatahi?
Me pēnei ngā whare e māraurau ana ki te Kāinga Hoa Hoko Whare Tuatahi:
- me hanganga 'tino hou' - ko te tikanga o tēnei ko te whare ko tētahi hanganga hou kāore i nohoia i mua e tētahi (atu i te kaiwhakawhanake, i te kaihanga whare rānei), ā, kua riro te Tiwhikete Tautuku Tikanga i roto tonu i te 12 marama; tērā rānei
- me hoko 'mai i ngā mahere' - ko te tikanga o tēnei e hoko ana koe i tētahi whare hou i mua i te otinga o te hangatanga. Me hoko ngātahi te whare me te whenua i te Whakaaetanga Hokotanga kotahi. Kāore te Hoa Hoko Whare Tuatahi i te tautoko i ngā utu mō ngā ratonga ā-kirimana, i ngā pūtea taurewa hanganga rānei
- he kāinga onāianei kei raro te utu tautiaki whare i te $5,000.00,
- me āhei te noho atu i te rā whakataunga, atu i te rā whakaotinga hāngai rānei mai i te wā kua tukuna te Tiwhikete Tautuku Tikanga/taitara
- me aromatawai e ai ki ngā paearu taurewa a te pēke
Kei raro te hoko i tētahi kāinga mā te kaupapa Hoa Hoko Whare Tuatahi i te aromatawai a Kāinga Ora, me ngā here o te āta rangahau i mua i te hoko mai. Ko te kaupapa o tēnei mahi he whakaū kei te ū te whare ki ngā whakaritenga o te Hoa Hoko Whare Tuatahi me te whakarite ka pāhi i ētahi whakamātautau kounga taketake.
Ka taea e au te whakamahi i a Hoa Hoko Whare Tuatahi ki te hoko whenua hei hanga i tētahi whare i reira?
Kāo. He mea hanga te Hoa Hoko Whare Tuatahi hei tautoko i te hoko kāinga kaua te hoko whenua.
Ka āhei ahau ki te hoko i tētahi kāinga onāianei i tētahi hoko kairapu mā te Hoa Hoko Whare Tuatahi?
Nā te whaikiko o te ū ki ngā herenga ā-ture, kāore te hoko mā te hoko kairapu i te tautokona e te Hoa Hoko Whare Tuatahi.
Kei ahau te whenua, engari kāore he whare i runga, e māraurau tonu ana ahau ki te Hoa Hoko Whare Tuatahi?
Kāo, kāore koe e māraurau ki te Hoa Hoko Whare Tuatahi mēnā kei a koe te whenua, te pānga ki te whenua rānei, ahakoa kāore he whare i konā i tēnei wā.
He pōtae utu whare?
Kāo. Ka whakatauhia te utu o te papanoho ka hokona e koutou ko Kāinga Ora e tō moni tāpui, e te takoha a te hoa hoko whare tuatahi, e te nuinga e pai ana te pēke ki te tuku atu ki a koe hoki.
He whakaritenga whiwhinga pūtea mōkito hei hoko i tētahi whare?
Kāore he moni whiwhi mōkito e hiahiatia ana hei hoko i tētahi whare, engari me rawaka te tapeke o tō moni whiwhi ā-kāinga kia pai a Kāinga Ora ki tō āheitanga ki te hoko i tō mātou hea i roto tonu i te 15 tau tuatahi o te rangatiratanga me ngā whakaritenga tuku pūtea taurewa a tētahi o ngā pēke e whai wāhi mai ana hei utu i tētahi pūtea taurewa whare.
Kia hia te moni tāpui ka hiahiatia e au?
Me tuku koe i te mōkito o te 5% o te utu hokotanga o te whare e hiahia ana koe ki te hoko. Heoi anō, he mea nui kia tuku koe i te tino nui ka taea e koe, nā te mea ka nui ake tō takoha, ka tata ake koe ki te whai whare katoa.
Kia hia te nui ka taea e au te mino?
Me hui tahi koutou ko tētahi o ngā pēke e whai wāhi mai ana hei wānanga i ō āhuatanga takitahi me te whiwhi aratohu mō te nui ka āhei pea koe ki te mino hei hoko i tētahi whare. Kei tēnā, kei tēnā o ngā pēke ā rātou ake paearu hei aromatawai i a koe.
Ka taea e au te whakamahi i taku KiwiSaver hei tāpiritanga ki te Hoa Hoko Whare Tuatahi hei āwhina ki te hoko i tētahi whare?
Mēnā he kaihoko whare tuatahi koe, ā, kua noho koe hei mema e takoha atu ana o tētahi tahua KiwiSaver mō te toru tau i te itinga iho, ka taea pea e koe te tango i tētahi wāhanga, i te katoa rānei o ō penapena ki te hoko i tētahi whare.
Rapua ētahi mōhiohio anō mō te tangohanga whare tuatahi a KiwiSaver
E māraurau ana au ki a Hoa Hoko Whare Tuatahi, ki te Takuhe Whare Tuatahi hoki, ka taea e au te whakamahi i ngā mea e rua hei hoko tahi i tētahi whare?
Ka taea pea e koe te whakamahi tahi i tētahi Takuhe Whare Tuatahi, i te Hoa Hoko Whare Tuatahi hei hoko i tētahi whare, mēnā kua tāpae koe i tētahi tono motuhake i angitu ki tēnā, ki tēnā.
Hihiratia tō māraurau ki te Takuhe Whare Tuatahi
E māraurau ana au ki a Hoa Hoko Whare Tuatahi, ki te Pūtea Taurewa Whare Tuatahi hoki, ka taea e au te whakamahi i ngā mea e rua hei hoko ngātahi i tētahi whare?
Mēnā e māraurau ana koe ki te Pūtea Taurewa Whare Tuatahi, nā konei e āhei ana koe ki te whiwhi i tētahi pūtea taurewa whare he iti te moni tāpui mai i tētahi pēke, i tētahi kaituku rānei e whai wāhi mai ana, ā, ko tōna tikanga kāore koe e hiahia ki te tautoko mai i a Hoa Hoko Whare Tuatahi.
Ka ahatia ki te kore au e whakaaetia?
Ka whiwhi koe i tētahi reta e whakatakoto ana i te putanga o tō tono, tae atu ki ngā take kāore tō tono i whakaaetia. Ka taea e koe te whakapā mai ki a mātou ki te hiahia koe ki te whakamāramatanga atu anō mō te putanga o tō tono.
Ka pēhea taku hoko i te hea nō Kāinga Ora?
Ka taea e koe te hoko i te hea o te whare nō Kāinga Ora ki ngā wāhanga paku (me kaua e iti iho i te $1,000), ki te rahinga tōtahi rānei. Ka taea e koe te kōwhiri kia pēnei mā te whakamahi i ō penapena, mā te mino i tō pēke rānei (e ai ki te whakaaetanga a te pēke). I tō hoko i te hea o te whare nō Kāinga Ora, ka pēnā mō te wāriu mākete o tērā wā.
Ka taea e au te mino i te pūtea nui ake i tētahi pēke hei hoko i te hea nō Kāinga Ora?
Āe, he kōwhiringa tēnei e wātea ana ki a koe e ai ki te whakaae pūtea taurewa mai i te pēke nāu i kōwhiri. Ka hiahia koe ki tētahi reta nā Kāinga Ora e whakaū ana ko te pūtea tāpiri mō te take o te hoko i tētahi wāhanga, i te katoa rānei, o te hea nō Kāinga Ora i mua i te whakaae a te pēke i tō tono.
He aha te take he rerekē te wāriutanga o te whare nā te pēke i te wāriutanga nā Kāinga Ora?
Ina tono koe ki te pūtea taurewa mai i tētahi pēke e whai wāhi mai ana, ka whakamahi te pēke i te wāriutanga mai i tā rātou kaiwhakarato raraunga papanoho, he rerekē pea tērā i te wāriutanga i a Kāinga Ora.
Ka taea e au te whakahou, te hanga tāpiritanga rānei ki taku papanoho?
Me tono whakaae tōmua koe i a Kāinga Ora ki te hiahia koe ki te whakamahi i ngā whakahounga, i ngā whakapai ake rānei, mō te roanga o te wā e noho tonu ana mātou hei rangatira-ngātahi o te whare. Kei roto i tēnei ko ngā whakapaitanga kua kitea e te āta rangahau me te hātepe whakatārewa mahi tautiaki i mua i te hokotanga. Tirohia te hātepe whakahou i roto i te Whakaaetanga Rangatiratanga Ngātahi.
Ka taea e au te rēti atu i tōku whare?
Kāo. Ko te kawatau kia noho koe i tō whare hei tō nohoanga matua o te wāhi noho, ā, mō te toru tau i te itinga iho ā muri i tō rā whakataunga.
Tē taea te kite i tāu e kimi nā?
E wātea ana te rōpū hei tautoko ake mai i te 9 i te ata ki te 5 i te ahiahi, Mane ki te Paraire.
- waea mai ki a mātou ki 0508 935 266
- īmēra mai ki a mātou ki firsthome.enquiries@kaingaora.govt.nz
Ko te Hoa Hoko Whare Tuatahi ko tētahi kaupapa rangatiratanga ngātahi kua hoahoatia hei āwhina i te maha ake o te hunga nō Aotearoa kia whai whare.
Kei te whakarato mātou i ētahi putanga e whakamārama ana i te āhua o te mahi a te tukanga rangatiratanga ngātahi me te hoko-ngātahi hei hoko i tētahi whare tuatahi ki tētahi Hoa Hoko Whare Tuatahi, ā, kei te whakarato hoki mātou i ngā aratohu arowhānui mā roto i te tukanga hoko whare. Ko te take o tēnei whārangi ko te tuku i te āheinga ki a koe ki te tikiake i ngā mātārere e hāngai ana me ngā tuhinga ā-ture e tautoko ana mō te Hoa Hoko Whare Tuatahi.
Ngā mahi mō te Whai Kāinga mā te Hoa Hoko Whare Tuatahi [PDF, 456 KB]
He tauira Whakaaetanga Rangatiratanga Ngātahi [PDF, 1.5 MB]
He aratohu ki te Whakaaetanga Rangatiratanga Ngātahi [PDF, 55 KB]
He Whakaaetanga Takohanga [PDF, 503 KB]
Puka whakapuakanga ā-ture [PDF, 58 KB]
Puka whakapuakanga ā-ture mō te whare onāianei [PDF, 71 KB]
He Rārangi Arowhai o ngā Whakaritenga mō te SPA [PDF, 63 KB]
He tauira - He Reta Uwhi nā Kāinga Ora ki te Rōia a te Rangatira Whare [PDF, 588 KB]
Te tukanga tono mō ngā rōia
Mēnā me tono mōhiohio tautohu koe mō AML, ā, ka taea te īmēra i tō urupounamu ki firsthome.enquiries@kaingaora.govt.nz
Tēnā tukuna mai ngā mōhiohio i raro nei i tō tono:
- Ingoa
- Nama whakapā
- Īmēra whakapā
- Ingoa kamupene
- Wāhi noho
- Tau tono Hoa Hoko Whare Tuatahi (hei tauira, FHP-001234)
- Te take mō tō tono
Te Whakatau Hua a IRD
He mea ahurei te aronga GST ki te Kaupapa Hoa Hoko Whare Tuatahi, ā, kua riro i a Kāinga Ora tētahi Whakatau Hua nā Te Tari Taake, kua hoahoatia kia āta mōhio ngā kiri ātete ki te aronga GST tika i ngā huinga āhuatanga e rua:
- te tangohanga tuatahi - ko te tikanga ko tēnei te hokotanga atu a tētahi kaiwhakawhanake ki Te Rangatira Whare me Kāinga Ora
- te hokonga atu o tētahi whare i roto i te kaupapa PHO (i a Kāinga Ora e whai tonu ana i ngā hea) ki te mākete tuwhera.
Tirohia te whakatau IRD(external link)
Kua whakahoungia te whārangi: 13 Whiringa-ā-rangi 2023