4. Hoko mai ana
Whakaritea ngā āhuatanga o te hoko i tō whare tuatahi, te ako i ngā tukunga me ngā tikanga hokohoko rerekē me te whakapakari i a koe kia taea e koe tō tukunga tuatahi.
Ko tēnei mō te wherawhera i te hātepe o te hoko i tō whare tuatahi, mai i te ako mō ngā tikanga hoko tae atu ki te tuku i tō tukunga tuatahi.
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