He rerekē te riihi i te taurewa
Ki te riihi koe i tētahi waka, ka utu koe kia whakamahia te waka mō tētahi wā kua whakaritea, ā, ka noho tonu te mana nō te kamupene pūtea. Ki te taurewa waka, ka tāurewa koe i te moni, ka hoko i te waka, ā, ka riro mai i a koe ina oti te utu, ā, he maha tonu ngā wā e pupuri ana te kaituku i tētahi tiaki ki runga i te waka.
I Aotearoa, ko ngā kirimana whakapaua-moni a te tangata takitahi e whai ana i ngā ture pūtea taurewa, nō reira me aromatawai te kaituku mēnā ka taea e koe te utu. He rerekē ia kaiwhakarato i ngā kupu o te kirimana, nō reira me pānui katoa i te tuhinga whakamārama.
Te uaua o te riihi ina kāore he utu mahi tūturu
E hiahia ana te kaiwhakarato riihi ki te kite ka haere tonu ngā utu i te roanga katoa o te kirimana. Mēnā kua ngaro tō mahi, kua huri tō puna moni, he āputa rānei kei waenganui i ngā mahi, he uaua ake te whakaatu i tērā.
Ka nui pea te utu ki te whakamutu i te riihi i mua i te wā, i te mea he maha ngā kirimana e tono ana kia utua tētahi wāhanga nui o ngā toenga utu. He tūraru tēnei mēnā kāore e tino mōhio ana koe ki tō moni ake nei, nō reira kāore te utu iti ia wiki e rite tonu ki te kōwhiringa haumaru.
Ngā mea ka tirohia e te kaiwhakarato
Ko ia kamupene tāna ake paearu, ā, kāore he ture kotahi mō te motu. Tēnei ētahi pātai ka puta pea.
- Kua roa te tūturu o tō moni whiwhi, ā, nō hea: nō te utu mahi, nō te penihana tautoko, nō tō hoa rānei, nō ētahi puna maha rānei.
- Ō utu ia wā, pērā i te rēti, te kai, te hiko, me ngā nama o mua, ka tirohia i ō tauākī pēke.
- Tō rekoata whiwhi nama i ngā tari pūrongo nama.
- Mēnā he kaitiaki taurewa, he hoa tuku nama rānei e whai moni tūturu ana.
- He pūtea tāmau, he waka hokohoko rānei hei whakaiti i te moni ka tukuna.
Ngā utu hei whakataurite i mua i te hainatanga
Pātai atu mō te tapeke katoa ka utua i te roanga o te kirimana, kaua ko te nama ia wiki, ia marama rānei anake. Tāpiri atu ngā utu whakatū, te tāke taurewa, te utu whakamutunga ki te mutu te riihi, me te utu inihua e herea ana e te kirimana.
Tirohia hoki te whakaritenga mō ngā tohu kiromita ia tau, ngā utu mēnā ka nui ake, me te āhua e hiahiatia ana o te waka ina whakahokia. Ka puta mai ngā utu mō te pakaru me te mea kua kakahu te waka i te wā tino kuhumi o te pūtea.
Ētahi atu huarahi e ngāwari ake pea
E kitea ana e ētahi he māmā ake te taurewa waka whai tiaki i te riihi. Ko First Credit Union he rōpū pūtea ā-mema, ehara i te pēke rēhita. E whakarārangi ana i te taurewa waka whai reiti rerekē, te roa mai i te toru marama ki te rima tau, me te kore utu whiu mō te utu wawe. E kī ana hoki i te whakaaetanga i mua i te hokonga; ko tā tōna ake whārangi, ka whai tonu ngā paearu tuku taurewa māori.
Ko Good Shepherd NZ te kaiwhakahaere o Good Loans, he taurewa kore-huamoni, kore-utu mō te hunga iti nei te moni whiwhi. Ka taea te whakamahi hei hoko, hei whakatika rānei i tētahi waka, ā, ka utua tonu atu ki te kaiwhakarato. E ai ki ngā paearu kua whakaputaina, kāore e āhei te hunga kei runga i te Single Jobseeker Support, ā, me taea te utu. Tirohia tā rātou whārangi mō ngā ture o nāianei.
He tauira whakaahua
Whakaarohia he mātua kua tīmata i te mahi wā-wāhanga i muri i ngā marama kei runga i te Jobseeker Support, ā, e hiahia ana ia ki tētahi waka kia tae ai ki ngā wā mahi kāore e taea e ngā pahi. He ataahua te āhua o tētahi riihi e whakatairangatia ana me te utu iti ia wiki.
Ina tāpiria te inihua e hiahiatia ana, te utu whakatū me te utu whakamutunga, tērā pea ka nui ake te tapeke i te utu mō tētahi waka tuarua iti ka hokona ma te taurewa a tētahi rōpū pūtea. He tauira anake tēnei, engari e whakaatu ana he nui ake te hira o te tapeke katoa i te nama kua whakatairangatia.
Ngā tohu whakatūpato me te tohutohu kore utu
Kia tūpato ki te tangata e oati ana ka whakaaetia koe i mua i tana tirotiro i tō ahuatanga pūtea, e tono ana i te utu i mua noa atu, e pākia ana koe kia hainatia i taua rā tonu. Ka whakamārama te kaituku pono i te kirimana, ā, ka hoatu he wā ki a koe ki te pānui.
Mēnā kua kuhumi kē tō pūtea, waea atu ki MoneyTalks ki te 0800 345 123, tuku rānei i tētahi tēkisi ki te 4029. Ka hono atu rātou ki tētahi kaiārahi pūtea kore utu hei tirotiro i tō kaupapa whakahaere pūtea me te utu pono o te waka i mua i tō whakaaetanga.
Ngā pātai auau
Ka taea te riihi waka i Aotearoa mēnā kei runga au i tētahi tahua tautoko?
Kei te kamupene te whakatau. Ka whakaaro ētahi ki te moni tautoko me ētahi atu puna moni, ki tētahi kaitiaki taurewa rānei, engari he maha e pīrangi ana ki te utu mahi tūturu. Tonoa ngā paearu ā-tuhi, ā, whakatauritea ki te taurewa waka whai tiaki.
He iti ake te utu o te riihi i te taurewa?
Kāore i āta tino. He iti pea ngā utu ia wiki, engari ka puta pea ngā utu whakatū, te utu whakamutunga, me ngā utu mō ngā kiromita tāpiri, mō te pakaru rānei, ā, kāore he mea nōu i te mutunga. Whakatauritea te tapeke katoa mō te wā ōrite.
Me aha mēnā ka ngaro tāku mahi i te wā o te riihi?
Whakapā atu ki te kaiwhakarato i te wā tonu, nā te mea he maha e kōrero mō ngā kōwhiringa ina uaua te pūtea. He nui pea te utu ki te whakamutu wawe, nō reira pātai mō te tapeke i mua i te hainatanga, ā, kimihia he kaiārahi kore utu mā MoneyTalks.
Ka āwhina te kaitiaki taurewa?
Ka whakamāmā pea te kaitiaki whai moni tūturu i te whakatau a te kaituku, engari ka noho ia hei kaiwhakahaere ā-ture mēnā kāore koe e utu. Me uiui anake ki tētahi e mārama ana ki te tūraru, ā, kua pānui i ngā tuhinga kirimana kotahi ki a koe.
Ngā whakahaere me ngā hononga whaitake
- First Credit UnionRōpū pūtea ā-mema; te whārangi mō tana taurewa waka whai tiaki, ngā wā, te reiti rerekē me ngā utu.
- BNZ – Community Finance (StepUP and no-interest loans)Taurewa huamoni-iti, kore-huamoni rānei mai i a BNZ me Good Shepherd NZ mō ngā kaipupuri Community Services Card; he waka te whakamahinga rongonui (pānuitanga 2016).
He hononga ki ngā whakahaere tuatoru kāore he pānga hokohoko ki tēnei pae. Me manatoko tonu i ngā here ki a rātou ake.