1. Starting out
Think about your long-term goals and sort out your savings plan and budget.
Let’s start by thinking about what home ownership might look like for you. It’s also time to sort out your savings plan and budget.
Mā te whakaaroaro mō ō whāinga wā roa ka āwhina pea i a koe kia mārama ai ki ngā mea me whiwhi koe i roto i te kāinga.
Anei ētahi pātai hira hei āwhina i a koe kia tīmata:
- Ki tōu wawata, kei hea koe hei te 5, 10 tau rānei?
- Kei te kimi koe i tō kāinga tuatahi, tō kāinga tūturu rānei?
- Ko hea te wāhi e hiahia ana koe ki te noho – he tata ki te tāone, ki tētahi wāhi ake rānei?
- Ka mahi koe ki hea – me noho pātata atu?
- Mēnā he tamariki āu, koinā tō hiahia rānei ā tōna wā, he aha ngā rohe rēhita kura me whakaaroaro e koe?
- Ka noho ētahi atu o te whānau i tō taha? He aha ō rātou hiahia?
- Kei te hoko mōu anō, kei te hoko rānei me te whānau rānei? Mēnā kei te hoko i te taha o ētahi atu, kei te pakari rātou i te taha pūtea mō te hoko kāinga me koe?
- Me noho pātata ki tō marae me tō hapū? He huarahi anō te whakatū whare ki runga whenua Māori?
- E hia te nui o tō moni whiwhi ka taea e koe mō ngā utunga mōkete?
- He whakapaunga nui āu e heke mai ana me whakariterite e koe?
Mai i konei, ka taea e koe te hanga tahua me te whakatau rārangi wā.
He mea nui kia whai i tētahi tino tahua me tētahi whāinga penapena mārama ina hoko kāinga – mō te nuinga o tātou, koinei te hokotanga nui rawa o ō tātou ao.
Te whakarite i ō pūtea, te whakarite i tētahi mahere penapena me te tino ū ki ērā te mea hira.
He wāhi tino rawe a Sorted.org.nz(external link) hei tīmata mō ngā tohutohu penapena pūtea, ngā tātaitai me ngā aratohu koreutu. Ka kitea anō e koe ngā utauta hei āwhina ki te whakahaere nama me te whakatakoto i ō whāinga moni – mai i te wā poto ki te wā pūmau.
Mā te tātaitai mōkete Sorted, ka mārama koe e hia pea te nui o ō utu pūtea taurewa me ngā utunga huamoni.
He maha hoki ngā taupānga pūkoro pēke he tuku ratonga whakahaere moni me te penapena. Mēnā kei te whakamahi kē koe i te taupānga a tō pēke, me tiro he aha kei te wātea, me kōrero ki a rātou kia kitea ai me pēhea tā rātou āwhina.
Āwhina - te rapu tohutohu pūtea
Whakarato ai a MoneyTalks i ngā tohutohu penapena pūtea koreutu me te matatapu mā te waea, patowaea, īmēra, kōrerorero tuihono rānei. Ka taea hoki e rātou koe te tūhono ki ngā ratonga whakaako pūtea o te rohe me ngā whakahaere mō ētahi tautoko atu anō. Haere ki www.moneytalks.co.nz(external link) mō ētahi atu mōhiohio.
Āwhina - ngā awheawhe koreutu mā te Māori
I te mōhio anō koe he awheawhe koreutu kei reira hei āwhina i a koutou ko tō whānau ki te hanga mahere kia taea ai ō koutou whāinga whai whare? He mea hanga e Te Puni Kōkiri me te Commission for Financial Capability, te kaupapa Sorted Kāinga Ora* nā te Māori, mā te Māori. E waru ngā awheawhe ā-wiki poto, he tautoko hei hanga mahere me te whakatinana, he mea hanga te kaupapa kia whiwhi pūkenga ai te Māori me ngā tautoko kia eke i a rātou ō rātou whāinga whai whare. Mō ētahi atu mōhiohio mō Sorted Kāinga Ora(external link).
* Ahakoa he ōrite te ingoa, kāore i te whakahaerehia, kāore rānei he pānga o te kaupapa Sorted Kāinga Ora, ki ngā mahi a Kāinga Ora, a Sorted.org.nz rānei.
I a koe ka mahi i tō mahere penapena pūtea, me whiwhi tahua koe mō ngā utu kotahi noa iho pērā i ēnei:
- ngā utu rōia, mātanga whakawhiti rawa
- ngā tirotirotanga me ngā pūrongo whare
- ngā pūrongo LIM, ngā kōnae kaunihera me te papanoho
- he wāriutanga papanoho
- ngā utu neke
- ngā penapena mō ngā utu ohorere.
I a koe ka noho ki tō kāinga hou, kei reira ngā utu haere tonu pērā i ēnei:
- ngā utunga pūtea taurewa
- inihua mō tō kāinga me ngā mea i roto
- ngā reiti (ngā utu mō ngā ratonga kaunihera)
- ngā ratonga tūmatanui pērā i te wai, te hiko me te ipurangi
- te tautuku me ngā whakapaipaitanga
- ngā utu rangatōpū o te whaitua noho (mēnā kei waenga tō kāinga i ētahi atu kāinga, pērā i te whaitua noho, whare noho ā-tāone).
Ka taea e tētahi rōpū pai te whakatipu i tō ngākau titikaha me te whakamāmā i ngā mahi uaua o te hoko whare. Ka tipu haere tō rōpū i a koe ka whai haere i tēnei aratohu, engari koinei te hunga me kōrero atu pea koe i tēnei wāhanga.
Ngā pēke me ngā kaituku - Ka taea e tō pēke te kōrero ki a koe mō ngā kōwhiringa rerekē mō ngā kaute penapena. Ka taea hoki e rātou te tuku tohutohu ki a koe mō ngā āhuatanga e pai ake ai pea tō whiwhi i tētahi pūtea taurewa. He pai hoki pea te kōrero ki ētahi atu kaituku mō ngā tautoko rerekē ka taea pea e ratou.
Kaitakawaenga mōkete - Mā ngā kaitakawaenga mōkete e āwhina i a koe ki te kimi i ngā pēke me ngā kaitakawaenga mōkete pai rawa mō tōu āhuatanga. Ka whakaaturia e rātou te tirohanga whānui o tō tūnga pūtea me te whakariterite mōu me ngā pēke me ngā kaituku. Ka utua ngā kaitakawaenga mōkete e ngā pēke ka whakaae ki tō pūtea taurewa. Kāore he utu ki a koe, ahakoa kāore koe e whiwhi te pūtea taurewa.
Te whānau me ō hoa - Ka taea pea e te whānau me ō hoa koe te āwhina puta noa i tō huarahi ki te hoko whare mōu mā ngā tautoko pūtea, te tuku whakaaro, te tautoko i a koe i roto i te hoko whare me te whakanui i tō hoko i tō whare hou.
Iwi - Mēnā kua rēhita ki tō iwi, tō hapū rānei, kei reira pea ētahi tautoko māu mō te hoko whare mā ngā āwhina mātauranga, takuhe, pūtea tautoko, penapena pūtea hoki. E whakahau ana mātou kia whakapā atu koe mō ētahi mōhiohio anō. Mēnā kāore koe i te tino mōhio ki tō whakapapa, rangahautia te hītori o tō whānau ki konei.(external link)
Āwhina – Whiwhi āwhina i roto i tōu ake reo
Mēnā ehara ko te reo Ingarihi tōu ake reo, ka āhei atu pea koe ki ngā āwhina whakamāori reo koreutu mā Ngā Pou Whakawhirinaki o Aotearoa. Ka kitea te tari o tō rohe i CAB.org.nz(external link).
Anei ētahi hono paetukutuku whaikiko hei āwhina i a koe me te mahi "Te tīmata".
- Rārangi arowhai – Te Tīmata [PDF, 148 KB]
- Ngā Pou Whakawhirinaki o Aotearoa(external link)
- MoneyTalks(external link)
- Te Kāhui Māngai(external link) – Rārangi arowhai o ngā whakahaere iwi me te Māori
- Te Puni Kōkiri(external link)
Ngā rauemi a Sorted:
- Sorted.org.nz(external link)
- Utauta tiaki moni(external link)
- Kaiwhakarite whāinga(external link)
- Me pēhea te penapena i ō moni(external link)
- Tātaitai mōkete(external link)
- Tātaitai pūtea penapena(external link)
Ngā rauemi a FMA:
Kua whakahoungia te whārangi: 12 Huitanguru 2024