4. Buying
Navigate the process of buying your first home, learn about different offers and sales methods and work towards making your first offer.
This step is all about navigating the process of buying your first home, from learning about sales methods to making your first offer.
Koinei te pūtake – kua kitea e koe te kāinga tika mōu. Nā, koinei te wā mō te tāpae tukunga. E rua ngā momo tukunga – ko te here me te herekore.
Tukunga whai here
He here whāiti kei runga i tō tukunga me mātua whakatutuki i mua i te puta herekore o tō whakaaetanga hoko. Kei roto pea i ngā here ko te whakaū a tō pēke, tō kaituku rānei i ngā pūtea, te pūrongo a te kaitirotiro hanga whare, tētahi pūrongo LIM rānei. Me whakatutuki ngā here i mua o te rā i whakaaetia.
Tukunga herekore
Kāore he here i runga i tō tukunga. Ina whakaaetia tētahi tukunga herekore, e herea ana koe e te ture kia whakatutukihia te hoko i te whare.
Me tāpae anake i tētahi tukunga herekore i muri i te arotake a tō rōia, tō mātanga whakawhiti rānei i te whakaaetanga hoko, ka mutu ka whakaū tō pēke, tō kaituku i tō pūtea taurewa. Ko te tikanga kua oti i a koe ō mahi haurapatanga.
E whā tikanga matua o te hoko whare i Aotearoa. Kei tēnā, kei tēnā ōna ake here me ōna ake whakaritenga. I mua i tō tāpae tukunga mō tētahi whare, me mātua whakarite kei te mārama koe ki ngā tikanga hoko rerekē.
Te whakariterite
Koinei te tino tikanga e hokona ai he whare. Ka pānuitia me tōna utu, kāore rānei, ā, ka tukuna e koe tō tukunga ā-tuhi mō te hoko – tae atu ki te nui e hiahia ana koe ki te utu. Ka whakaaetia pea e te kaihoko tō tukunga, ka whakakāhoretia rānei, ka tonoa mai rānei tāna tukunga. Ki te tonoa mai tāna tukunga, i reira kua kuhu koe ki te whakariterite.
Tono, hoko rā kati
I konei ka pānuitia he whare me te kore utu, ā, ka tāpae tukunga whai haere, herekore rānei ngā kirihoko. Kātahi ka tirotirohia e te kaihoko ka whakaaetia tētahi tukunga, ka uru rānei ki te whakariterite me ētahi kirihoko. Ka whakapae ngā kirihoko whakataetae he aha ngā tukunga a ētahi atu.
He rite te hoko rā kati ki te hātepe tono engari he nui ake te whai wāhi mō te whakariterite i ngā here. I te nuinga o te wā ka whakamahia e te kaihoko whare tētahi tuhinga tono, ā, he momo whakaaetanga hoko.
Hoko tūmataiti
Ka whakariteritea te nuinga o ngā hoko tūmataiti i waenga i te kirihoko me te kaihoko. Mēnā kei te whakaaro koe ki te tāpae tukunga mō tētahi hoko tūmataiti, he mea nui kia whakaurua mai e koe tō rōia mai i te tīmatanga. Ka āwhina ia ki te whakatau i ngā uauatanga.
Hoko kairapu
Ko te hoko mā te hoko kairapu ka whakataetae tō tono me ētahi atu kirihoko e kaingākau ana. Ka whakatauhia e te kaihoko tētahi utu tāpui, utu iti rawa rānei mō te hoko i te whare tae atu ki ngā here o te hoko (pērā i te rā whakatau).
Mēnā ka hoko whare koe i tētahi hoko kairapu, he herekore te hoko – me whiwhi tohu ture koe me te mahi i tō haurapatanga, me whakaae tō pūtea i mua noa atu o te hoko kairapu, ā, me whiwhi koe i tō moni tāpui i te rā.
Ngā tukunga i mua o te hoko
I ētahi āhuatanga, ka hiahia pea te kaihoko ki te whakaae ki tō tukunga i mua i te pānuitanga o te rā hoko kairapu. Ko te tikanga, ka tū te hoko kairapu i mua i te rā i whakaritea, ka whakakorehia rānei mēnā ka waitohua he whakaaetanga hoko.
Ki te hiahia koe ki te tāpae tukunga i mua o te hoko kairapu, me kōrero koe ki tō rōia, tō mātanga whakawhiti mō ngā tohutohu.
Āwhina – KiwiSaver me ngā hoko kairapu
Mēnā kei te whiwhi koe i te tahua whare tuatahi a KiwiSaver, kāore e taea te whakamahi tēnei ina hoko ana i tētahi hoko kairapu. Engari ka whakamahia tō wāhanga KiwiSaver mō te hoko i te rā whakatau.
He mea hira te āta tirotiro i ngā āhuatanga katoa o te whare i mua i tō hoko. Arā, ko te kohikohi me te arotake i ngā mōhiohio me ngā tuhinga mō te whare, mā ngā āwhina a tō rōia, tō mātanga whakawhiti rānei. E kīia ana tēnei hātepe ko te haurapatanga.
Koinei ngā tino tirotirotanga haurapatanga:
- Pūrongo Manatu Mōhiohio Whenua (LIM) - He whakarāpopototanga o ngā mōhiohio kei tō kaunihera. Kei roto pea ko ngā mea pērā i ngā whakaaetanga hangatanga, ā, mēnā kei raro te papanoho i ngā whakaaetanga rawa.
- Te pūrongo a te kaitirotiro whare - He tirotiro āmiki ki te āhua hanganga o te whare me te tekihana. Mēnā ka kitea he raru hei whakatika i roto i te pūrongo, ka taea pea e koe te whakariterite me te kaihoko kia whakatikahia ērā i mua o tō rā whakatau, kia whakahekea rānei te utu hoko.
- Te wāriu - Ka tono pea tō pēke, tō kaituku rānei i te wāriu hei whakaatu kei te tika tō utu i te whare. He tikanga pai tēnei kia mōhio ai koe kei te whiwhi koe i te utu pai rawa.
- Taitara, ngā motika me ngā kawenata - Kei te taitara ko te whakamāramatanga ā-ture me tōna ariki onāianei me te whakaatu i ngā pūtea taurewa kei runga. Ko ngā motika me ngā kawenata kei runga i te taitara ka whakatiki pea i ngā mea ka taea e koe i te papanoho.
Āwhina – te tono i ngā hoko kairapu
Mēnā kua whakarite koe ki te tono i te hoko kairapu, me oti i a koe ō mahi haurapatanga i mua o te rā hoko kairapu i te mea ki te whakaaetia tō tono he tukunga herekore tērā. Arā, me ea i a koe ngā utu tuatahi, ahakoa ka pūhore pea tō hoko i te whare.
He kirimana te whakaaetanga hoko i waenga i te kirihoko me te kaihoko. Kei roto ko ngā kōrero ka aha, te wā, ā, me te whakatakoto i ngā ture me ngā here kua whakaaetia mō te hoko.
Ko ō here pea ko:
- te whakaū i te whakaaetanga whānui mō tō pūtea taurewa whare
- te whakaū kua whakaaetia te tango i tō tangohanga mō tō whare tuatahi i a KiwiSaver (mēnā kei te whakamahi koe i ō penapena KiwiSaver mō tō moni tāpui)
- te hoko i tētahi atu whare
- tētahi rapu taitara, ngā pūrongo LIM me tā te kaitirotiro whare
- tētahi whiti wā whāiti – e taea ai e koe, e te kaihoko rānei te whakakore te whakaaetanga ki te kore e ū ētahi here i mua o tētahi rā kua whakatauhia
- tētahi whiti haurapatanga – e taea ai e koe te whakakore te whakaaetanga mēnā ka kitea ētahi raru.
Āwhina – te whakariterite i te rā whakatau
Mēnā ka taea e koe, kaua e whakaritea te rā whakatau mō te Paraire. Ko te take, ka whai wā koe ki te whakatikatika i ētahi raruraru, ka mutu kāore koe e mate ki te tatari i te mutunga wiki mēnā kei te tōmuri.
Mēnā kua whakarite koe ki te whakamahi i ō penapena KiwiSaver mō te hoko i te whare i te rā whakatau, me mātua whakarite kei te hāngai te rā whakatau ki te wā tango a tō kaiwhakarato KiwiSaver.
I mua i tō waitohu
Ina waitohua, e herea ana kōrua ko te kaihoko i raro i te ture kia ū ki ngā ture o te whakaaetanga hoko. Nā tēnei, he mea nui kia āta tirotirohia tēnei e tō rōia, e tō mātanga whakawhiti rānei.
Me mātua whakarato tētahi kaihoko whare i tētahi kape o te New Zealand Residential Sale and Purchase Agreement Guide i mua i tō waitohu i tētahi whakaaetanga hoko. Ka taea e koe te tono i tētahi kape ki te kore e tukuna ki a koe.
Kupu āwhina – ngā ture mō ngā kaihoko whare
Mai i te tuku tohutohu ki te manaaki tika i a koe, kei roto i te Real Estate Agents Act 2008 ko ngā tikanga me whai i ngā kaihoko whare.
Mēnā he raruraru ki a koe ngā mahi a tētahi kaihoko whare, me tuku amuamu ki te Real Estate Authority i rea.govt.nz(external link).
Ina whakaaetia ana tō tono, koinā te wā me whakaoti i te whakaaetanga whānui o tō pūtea taurewa whare.
I konei ka arotakengia e tō pēke, tō kaituku rānei ngā tuhinga katoa kei reira mō te whare kua kitea e koe kia mātua mōhio ai kei te ū ki ōna here tuku taurewa. Mā te whiwhi whakaaetanga tūturu ka whakaū te rahinga pūtea taurewa tapeke ka mutu ka āhei koe ki te tuku i tō tono hoko i te whare, te tono i te hoko kairapu rānei. Me te aha, kua reri koe mō te mahi whai ake!
Anei ētahi hono paetukutuku whaikiko hei āwhina i a koe me te mahi "Te hoko".
Rauemi whakatau:
Kua whakahoungia te whārangi: 12 Huitanguru 2024