Tātaitai Pūtea Waka

He rerekē ngā rēti taurewa mōtokā i Aotearoa, ā, ka whakawhirinaki ki te momo kaiwhakarato, te pakeke o te waka, me tō hītori whiwhinga. Tae atu ki te 2025, ka rere ngā rēti taurewa mōtokā pēke mai i te 7% ki te 12% ia tau mō ngā waka hou, ā, mai i te 9% ki te 15% mō ngā waka orite. Hei whakatairite, ka teitei ake te pūtea kaihokohoko, e whakaritea ana mā te toa hoko waka, mai i te 9% ki te 18% e ai ki te kaiwhakarato me te āhua o te kaikono. Tuarua, ko ngā pūtea hohona me ngā kaiwhakarato tūhono ka tuku i ngā rēti whakataetae 7%–11% mō te nuinga o ngā tūmomo. Tuatoru, he tino rerekē ngā kaiwhakarato kē me ngā kaiwhakarato a-ipurangi. Mā ngā taurewa mōtokā haumaru — arā, ko te waka anō te tūāpono — ka iti ake ngā rēti i ngā taurewa kore-haumaru. I raro i te CCCFA, me whakaatu ngā kaiwhakarato katoa i te rēti hua a-tau me ngā utu katoa o te tōpaetia. Whakatauritea tonu te tapeke katoa e whakahokia ana, kaua ko te utu wiki, marama rānei, anake. Nā te mea ko ngā utu iti i roto i te wā roa ka tino utu nui ake. Puna: Consumer NZ — Car Finance; interest.co.nz Car Loan Rates.

I Aotearoa, he āhuatanga pai, he āhuatanga kino hoki ō ngā utu kaihokohoko me ngā taurewa mōtokā a-pēke. Ko te pūtea kaihokohoko, he māmā — ka whakaritea ngā mea katoa e koe i te wāhi hokohoko — ā, ka tukuna e ētahi kaihokohoko ngā tukutukunga 0% whakaaro, rēti-iti rānei mō ngā waka hou (ahakoa ka huna pea ēnei i te utu hoko nui ake o te waka). Heoi anō, ka nui ake ngā rēti pūtea kaihokohoko (9%–18%), ā, ka iti ake te ngāwari o ngā tikanga. Ko ngā pūtea pēke, pūtea hohona rānei, ka tukuna ngā rēti hua iti ake (7%–12%) me ngā tikanga mārama ake. Mā te whiwhi whakaaetanga tōmua mai i tō pēke i mua i tō toro atu ki te toa hokohoko, ka mōhio koe ki tō tahua, ki tō rēti hei whakaaro, ka whai mana hoki koe ki te whiriwhiri. Ka taea anō hoki e ngā kaiwhakarato kaipeehi, pērā i a Harmoney me Squirrel Money (Aotearoa), te tuku i ngā rēti kore-haumaru whakataetae. I raro i te CCCFA, me whakaatu e ngā kaiwhakarato katoa ō rātou rēti me ngā utu i mua, kia māmā ai te whakataurite. Pānuitia katoatia te tiriti taurewa i mua i tō hainatanga. Puna: Consumer NZ — Car Finance (consumer.org.nz); MBIE — CCCFA.

Ko tētahi taurewa utu punua he āhua pūtea mōtokā ka iti ake o whakahokinga tikanga i roto i te wā taurewa, katahi ka utua tētahi tapeke nui (ko te punua) i te mutunga. I Aotearoa, ko ngā utu punua he tikanga noa i roto i ngā pūtea ka whakaritea e ngā kaihokohoko me ētahi hua pēke. Hei tauira, mō tētahi taurewa mōtokā $35,000 i roto i ngā tau 5 ki te 10% me tētahi punua $10,000, ka iti ake o utu marama i tētahi taurewa tikanga, engari ka nama e koe i te $10,000 i te mutunga — me utu koe i roto i ngā moni tuturu, me tāruarua anō rānei, me whakamahi rānei hei pūtanga hoko-atu. Ko te āhuatanga pai ko ngā utu marama iti; ko te tūraru ko taea pea koe te waiho me tētahi tōpaetia tapeke nui, a menā ka heke nui te uara o te waka, ka taea pea koe te nama ake i te uara o te waka. Ka tika te pūtea punua mō ngā kaihoko e mahere ana ki te hou, ki te hoko rānei i te waka i mua i te taenga mai o te punua. Whakaaro tonu ki ngā utu katoa tae atu ki te punua i te wā e whakataurite ana i ngā kowhiringa taurewa. Puna: Consumer NZ — Car Finance; MBIE — CCCFA.

I Aotearoa, ka tiakina ngā kaute whiwhinga e ngā rōpū pūrongo whiwhinga, pērā i a Equifax, Centrix, me illion. Ka pā mai te taurewa mōtokā ki tō kaute whiwhinga i ēnei āhuatanga. Ka tono ana koe i te taurewa, ka ohaohango i te uiui whiwhinga, ka iti haere mārire pea tō kaute mō te wā poto — ki te maha rawa ngā tono i roto i te wā poto, ka nui ake te panga. Engari mā te whakahoki tika i ngā whakahokinga katoa i te wā tika, ka pakari haere tō hītori whiwhinga i roto i ngā tau. Ko ngā utu i hapa, ngā whakaaetanga i takahia, ngā nama hoki i tohua hei tuuāhore, koia ngā mea e tino kino ai tō kaute, ā, ka noho ki tō pūrongo whiwhinga mō te 5 tau, neke atu rānei. Heoi anō, ka āta whakahokia ana e koe te taurewa mōtokā, ka kitea tō āheinga ki te hiki kawenga, ā, ka āwhina i a koe ina tono mōkete, nama kē rānei koe a muri ake. I raro i te Privacy Code Pūrongo Whiwhinga 2004, ka whai mana koe ki te kape kore-utu o tō pūrongo whiwhinga, kotahi i te tau, mai i ia rōpū. Tirohia tō pūrongo whiwhinga i mua i tō tono taurewa, hei rapu i ngā hapa. Puna: Privacy Commissioner NZ — Credit Reporting (privacy.org.nz).