Tātaitai Pūtea Whaiaro

He rerekē rawa atu ngā rēti hua taurewa a-tangata i Aotearoa, e ai ki te kaiwhakarato, te tapeke taurewa, me tō hītori whiwhinga. Tae rawa atu ki te tau 2025, ko ngā rēti taurewa a-tangata o ngā pēke nui kei waenga i te 9% me te 20% ia tau (p.a.) mō ngā taurewa haumaru me ngā taurewa kore-haumaru. Ko ngā pūtea hohona me ngā kaiwhakarato tūhono, ka tukuna ngā rēti 8%–14% mō te nuinga o ngā tūmomo. Ko ngā kamupene pūtea me ngā kaiwhakarato a-ipurangi anō, ka taea te utu i te 15%–30%, neke atu rānei, mō ngā kaikono he iti ngā hītori whiwhinga. Nā te Ture Tiriti Hanga me Pūtea Kaihoko 2003 (CCCFA) i whakaurua mai he waeture tāruarua a-kawenga, ā, e herea ana ngā kaiwhakarato kia whakaaturia te rēti hua a-tau, ngā utu katoa o te tōpaetia, me ngā utu katoa i mua. I raro i ngā whakatikatika o te 2021, ka tau anō he taupae utu-tōpaetia — mō ngā taurewa utu-teitei (i runga ake i te 50% ia tau), kāore e neke ake ngā hua me ngā utu katoa i te mātāmua taketake. Whakatauritea tonu te Rēti Ōrau A-tau (APR), nā te mea kei reira ngā utu, ehara ko te rēti hua i pānuitia anake. Puna: MBIE — CCCFA; Consumer NZ — Personal Loans.

He nui rawa atu te panga o te wā taurewa ki ngā hua katoa e utua ana e koe i roto i te oranga o tētahi taurewa a-tangata i Aotearoa. Ka whakaiti te wā roa i o whakahokinga marama engari ka whakanui i ngā utu hua katoa. Hei tauira, mō tētahi taurewa a-tangata $20,000 ki te 13% ia tau: i roto i ngā tau 3, ko ngā whakahokinga marama tata ki te $674, a ko ngā hua katoa i utua ka orite ki te $4,264; i roto i ngā tau 5, ka heke ngā whakahokinga marama ki te $454 engari ka piki ngā hua katoa ki te $7,240 — he rereketanga tata ki te $3,000 neke atu i ngā hua mō te iti o ngā utu marama. Ko te tikanga māmā: kowhiria te wā taurewa poto rawa e ahei ana to tahua māmā ki te haere. Ka taea e ngā whakahokinga tapiri, menā ka taea, te whakaiti nui i ngā hua katoa, inā koa i ngā tau timata o te taurewa ka tino nui rawa atu te wahanga hua o ia whakahokinga. Ka taea e ngā tiriti taurewa a-tangata maha o Aotearoa ngā whakahokinga tapiri me te kore utu. Puna: Consumer NZ — Personal Loans; MBIE — Responsible Lending.

Mā te rēti whakataurite (ka kīia anō ko te Rēti Ōrau A-tau, APR rānei, i Aotearoa) e whakakotahi te rēti hua me te nuinga o ngā utu me ngā tāpaetanga ki roto i tētahi ōrau a-tau kotahi, kia ngāwari ake ai te whakataurite i ngā utu tūturu o ngā hua taurewa rerekē. Hei tauira, ka taea e tētahi kaiwhakarato te whakaatu rēti hua 10%, engari me tētahi utu whakatūnga $300 me te utu pūkete $10/marama mō tētahi taurewa $10,000 i roto i ngā tau e 5, ko te rēti whakataurite ka tata ake ki te 12.5%. I raro i te Ture Tiriti Hanga me Pūtea Kaihoko o Aotearoa (CCCFA), me whakaatu ngā kaiwhakarato i ngā utu katoa o te tōpaetia, tae atu ki ngā utu katoa, i mua i tō hainatanga. Engari, kāore ngā utu katoa e whakauruhia ki roto i te rēti whakataurite — hei tauira, ka tāpae pea ngā utu whakahokinga tomua. Nā reira, pānuitia mārire te whakatauākī taurewa katoa. Tino whaihua te rēti whakataurite i te wā e whakatairitea ana ngā taurewa o te rahi me te wā ōrite i waenga i ngā kaiwhakarato rerekē. Puna: MBIE — CCCFA (mbie.govt.nz); Consumer NZ.

Ae, i te nuinga o ngā tūmomo ka taea te whakahoki i tētahi taurewa a-tangata tomua i Aotearoa, engari me ata titiro menā ka utu to kaiwhakarato i tētahi utu whakahokinga tomua. I raro i te Ture Tiriti Hanga me Pūtea Kaihoko 2003 (CCCFA), ka taea e ngā kaiwhakarato te utu i tētahi utu whakahokinga tomua orite hei utu mō ngā moni hua kua ngaro, engari me whakaatu i roto i te tiriti taurewa. Ko ngā taurewa a-tangata pēke maha ka taea ngā whakahokinga tapiri katoa me te whakahokinga katoa tomua i tehea wā rānei me te kore utu, inā koa mō ngā taurewa rēti nekeneke. Ko ngā taurewa a-tangata rēti pūmau ka nui ake ngā utu whakahokinga tomua, a tikanga orite ki ngā hua 1–3 marama. Ko ētahi kaiwhakarato ka taupae i ngā utu whakahokinga tomua ki tētahi tapeke tara pūmau. Menaa he nui to taupae taurewa e toe ana a ka whiwhi koe i ētahi moni tapiri, ko te whakahoki i te taurewa tomua ka taea te penapena nui ki ngā utu hua katoa. Tono tonu i tētahi tauākī whakataunga taurewa katoa mai i to kaiwhakarato i mua i tō utu kotahi-tapeke. Puna: MBIE — CCCFA; Consumer NZ — Personal Loans.