Tātaitai Whakakotahi Nama

Mā te whakakotahitanga nama ka kotahingia ngā nama maha ki roto i tētahi taurewa kotahi, ā, hei te tikanga, he iti ake te rēti hua, he māmā ake hoki ngā whakahokinga. I Aotearoa, e rua ngā huarahi: te tango i te taurewa a-tangata kotahi, te whakamahi rānei i tētahi taurewa pūtanga whare hei whakahoki i ngā kāri whiwhinga, kāri toa, taurewa mōtokā, me ētahi atu nama hua-teitei. Hei whakakapi i ngā utu maha me ngā rēti hua, kotahi noa iho te whakahokinga ka utua e koe ki tētahi kaiwhakarato kotahi. Hei tauira, mēnā e toru āu nama — he kāri whiwhinga $3,000 i te 22%, he taurewa a-tangata $5,000 i te 15%, me te kāri toa $2,000 i te 25% — mā te whakakotahi i ēnei ki roto i te taurewa a-tangata $10,000 i te 12%, ka tino iti haere tō rēti hua toharite, ka māmā ake hoki te whakahaere ahumoni. Ko ngā penapena katoa ka whirinaki ki te rēti hua hou, ngā utu whakakotahi, me te wā taurewa. E tukua ana te whakakotahitanga nama e te nuinga o ngā pēke o Aotearoa, e ngā pūtea hohona, me ētahi kaiwhakarato matatau. Puna: Commission for Financial Capability — Debt Consolidation (cffc.org.nz).

Ka whai tikanga pūtea ai te whakakotahitanga nama mēnā ka iti ake tō rēti hua a-whānui, ka iti ake ngā tapeke katoa e whakahokia ana, ka māmā ake rānei tō whakahaere ahumoni e āwhina ana i a koe kia haere tonu. Ko te āhuatanga tino pai mō ngā kaikono o Aotearoa, ko te whakakotahi i ngā nama hua-teitei maha (kāri whiwhinga 20%+, kāri toa 25%+) ki roto i te taurewa a-tangata kotahi i te 10%–14%, me te kore pikinga nui o te wā whakahokinga katoa. Ka whai hua hoki mēnā e ānamate ana koe ki te whai i ngā rā whakahokinga maha, ā, kei te tūraru koe ki ngā utu hapa ka kino ai tō kōnehi whiwhinga. Heoi anō, ehara i te mea ka whai hua i ngā wā katoa. Mēnā he roa ake te wā o te taurewa hou, ka taea pea te utu nui ake i ngā hua katoa ahakoa he iti ake te rēti; tērā pea anō he nui ngā utu whakakotahitanga; tērā pea anō kāore koe e maia ki te karo i te kohikohi anō i ētahi atu nama i runga i ngā kāri kua whakamāmātia. Rapua ngā āwhina pūtea kore-utu mai i a MoneyTalks (0800 345 123) i mua i tō whakataunga. Puna: CFFC — MoneyTalks; Consumer NZ — Debt Consolidation.

Ahakoa he taputapu kaha te whakakotahitanga nama, he maha ngā tūraru me mōhio ngā kaikono o Aotearoa. Tuatahi, mēnā he roa ake te wā whakahokinga o te taurewa whakakotahi, ka nui ake pea ngā hua katoa e utua ana ahakoa he iti ake te rēti — me tātai te utu katoa, kaua ko te utu o te marama anake. Tuarua, nā te māmā o te tinihanga, ka māmā hoki ki te hinengaro, nā reira ka whakaekea pea ētahi kaikono ki te whakamahi anō i ērā whiwhinga wātea, ka kohikohi anō i ētahi nama i runga ake i te taurewa whakakotahi (e kīia nei ko te riioi). Tuatoru, mā te whakamahi i tō whare hei haumaru mō te taurewa whakakotahi (he taurewa pūtanga whare), ka huri ngā nama kore-haumaru hei nama haumaru — mēnā kāore e taea e koe te whakahoki, ka tūraru koe ki te ngaro i tō whare. Tuawhā, ko ētahi taurewa whakakotahi me ētahi kamupene pūtea ka utu i ngā utu whakatūnga tino nui (1%–3%), me ngā utu whakahokinga tōmua hoki. Hei whakamutunga, kāore te whakakotahitanga e whakatika ana i ngā tikanga whakapaunga, i te tahua rānei i takahi i ngā mahi i ara ake ai te nama. Puna: Consumer NZ — Debt Solutions; CFFC — MoneyTalks (0800 345 123).

Ae, ka taea te whakakotahi i ngā nama kore-haumaru pērā i ngā kāri whiwhinga me ngā taurewa a-tangata ki roto i tō mōkete whare i Aotearoa, engari me ata whakaaro ki tēnei tikanga. Ko te āhuatanga tino to whai ko te rēti hua mōkete iti ake (tata ki te 6%–7% mō tētahi rēti pūmau 1-tau o nāianei) i ngā rēti kāri whiwhinga 20%+. Heoi anō, ko te huri i ngā nama kaihoko ki roto i tētahi mōkete 25–30 tau ka tino whakanui i ngā hua katoa e utua ana e koe. Hei tauira, ko ngā nama kāri whiwhinga $10,000 ki te 20% i roto i ngā tau 3 ka utu tata ki te $3,300 i ngā hua; ko te tapeke orite taapiritia ki tētahi mōkete 25-tau ki te 6.5% ka utu tata ki te $9,400 i ngā hua i roto i te oranga o te taurewa. Me toopu anō he pūtanga whare neke atu hei tapiri i tō mōkete. Ka taea e ētahi pēke te tuku i tētahi āheinga whiwhinga hurihuri e hono ana ki tō mōkete, ka ngawari ake. Rapua ngā āwhina pūtea takitahi mai i tētahi kaikaunihera pūtea rēhitatia i mua i to whakakotahitanga ki roto i tō mōkete. Puna: MBIE — CCCFA; Financial Markets Authority NZ (fma.govt.nz).