Kua puta te pū o te mākete tuku moni matihiko i Aotearoa i roto i ngā tau tata nei, he mea akiaki e te hiahia o te iwi ki ngā pūtea whaiaro tere, ipurangi hoki. I te waenganui o te tau 2025, kua eke te katoa o ngā pūtea whaiaro matihiko kei te tohatoha ki te 3.4 piriona tāra o Aotearoa, he pikinga 18 paheneti i ia tau, e 12 paheneti o te katoa o ngā nama kaihoko kāore he pūmau.
Ko ngā kaiwhakarato pūtea hangarau-pūtea ehara i te pēke te mea nui i roto i tēnei mākete, e tuku ana i ngā pūtea kāore he pūmau mai i te 500 tāra ki te 100,000 tāra, me ngā Reiti Huamoni ā-Tau (RHĀT) e rere ana i waenga i te 7.99 paheneti me te 47 paheneti. E herea ana tēnei mākete e te Ture Kirimana Nama me te Pūtea Kaihoko (CCCFA) me te tirohanga a Te Mana Whakahaere Mākete Pūtea (FMA), e whakahau ana i ngā arotake tuku moni haepapa, te aukati i ngā utu, me ngā whakaritenga mārama. Kua whai mana hoki ngā panonitanga hou i te marama o Hūrae 2025, e whakakaha ana i ngā pūmau whakatūpato uaua me ngā mana whakahaere.
Te Āhua o te Mākete Tuku Moni Matihiko i Aotearoa
Mai i te tau 2020, kua tata rua te rahi o te rāngai tuku moni matihiko o Aotearoa, he mea whakaihiihi e te whakatamarikitanga o ngā taupānga waea pūkoro, ngā tukanga whakapūmau tuakiri (KYC) ngāwari, me ngā tauira arotake nama e whakamahi ana i ngā raraunga rerekē. I te marama o Hune 2025, kua piki ngā pūtea whaiaro ipurangi ki te 3.4 piriona tāra, e tohu ana i te 12 paheneti o te nama kaihoko kāore he pūmau (he pikinga mai i te 9 paheneti i te tau 2024). Ko te rahi o te pūtea toharite he 8,500 tāra, ā, ko te RHĀT takawaenga he 16.5 paheneti ia tau.
E 42 paheneti o ngā pūtea taupānga-waea pūkoro i ahu mai i ngā kaiwhakarato pūtea iti, wā-poto (ngā pūtea kei raro iho i te 5,000 tāra, mō ngā wā 3 ki te 12 marama), e kukume ana i ngā RHĀT teitei ake (30-47 paheneti). Ko ngā pūtea wā-roa (mai i te 5,000 tāra ki te 100,000 tāra, mō ngā tau 1 ki te 7) he RHĀT mai i te 7.99 paheneti ki te 24.99 paheneti.
Ngā Kaiwhakarato Taupānga Tuku Moni Matua me ō rātou Tuku
He maha ngā taupānga tuku moni e mahi ana i Aotearoa, ā, he rerekē ō rātou tuku. Kei raro nei ngā kōtaha o ētahi o ngā kaiwhakarato matua:
Harmoney
- Taupānga: Harmoney Loans
- Rehita: Aotearoa (Harmoney Corp. Ltd)
- Hua: Ngā pūtea whaiaro kāore he pūmau mai i te 2,000 tāra ki te 100,000 tāra; mō ngā wā 3, 5, 7 tau.
- RHĀT: 7.99% - 24.99% ia tau.
- Utu/Wā: He utu whakatū 150 tāra; kāore he utu whakahoki wawe.
- Tukanga: He arotake tuakiri ipurangi me te tuku kōrero pēke (90 rā).
- Ngā Kaha: He reiti whakataetae mō te hunga nama pai.
- Ngā Ngoikore: He teitei ake ngā reiti mō ngā kaute nama iti.
Fair Go Finance
- Taupānga: Fair Go Finance
- Rehita: Ahitereiria (ACL 387995), rehitatia hoki i Aotearoa.
- Hua: Ngā pūtea iti kāore he pūmau mai i te 500 tāra ki te 10,000 tāra; mō ngā wā 3 ki te 24 marama.
- RHĀT: 21.9% - 47.0% ia tau, i runga i te rahi o te pūtea.
- Utu/Wā: He utu whakatū mai i te 60 tāra ki te 795 tāra; he utu ā-marama mai i te 0 tāra ki te 80 tāra.
- Ngā Kaha: Ka taea e te hunga he nama iti te tango pūtea.
- Ngā Ngoikore: He teitei rawa ngā RHĀT.
Finance Now
- Taupānga: Finance Now
- Rehita: Aotearoa (Finance Now Ltd)
- Hua: Ngā pūtea me te pūmau, kāore rānei he pūmau, mai i te 1,000 tāra ki te 60,000 tāra; mō ngā wā tae atu ki te 7 tau.
- RHĀT: 10.95% - 29.95% ia tau.
- Utu/Wā: Mō ngā pūtea me te pūmau: 0.5% utu taketake; mō ngā pūtea kāore he pūmau: 150 tāra utu whakatū.
- Ngā Kaha: Ka taea te kōwhiri pūtea me te pūmau mō ngā reiti iti.
- Ngā Ngoikore: He nui ake ngā pepa e hiahiatia ana.
Nectar Money
- Taupānga: Nectar Money
- Rehita: Aotearoa (Nectar Financial Services Ltd)
- Hua: Ngā pūtea kāore he pūmau mai i te 2,000 tāra ki te 40,000 tāra; mō ngā wā 6 marama ki te 5 tau.
- RHĀT: 9.9% - 28.9% ia tau.
- Utu/Wā: He utu whakatū 150 tāra; kāore he utu ā-marama.
- Ngā Kaha: Tere te whakatau.
- Ngā Ngoikore: He teitei ake pea ngā RHĀT mō ētahi.
Lending Crowd
- Taupānga: Lending Crowd (pae tukutuku/waea pūkoro)
- Rehita: Aotearoa (Lending Crowd Ltd)
- Hua: Ngā pūtea P2P (tangata ki te tangata) kāore he pūmau mai i te 2,000 tāra ki te 200,000 tāra; mō ngā wā tae atu ki te 5 tau.
- RHĀT: 8.5% - 19.5% ia tau.
- Utu/Wā: He utu whakatū kaiwhakangao 1% - 2%.
- Ngā Kaha: Ka taea e ngā kaiwhakangao te whai hua.
- Ngā Ngoikore: He iti ake te mōhiotanga o te iwi ki te waitohu.
Ferratum NZ
- Taupānga: Ferratum Money
- Rehita: Whare tū o Finland (he peka kei Aotearoa)
- Hua: Ngā pūtea iti mai i te 50 tāra ki te 2,000 tāra; mō ngā wā 10 ki te 35 rā.
- RHĀT: 39.6% - 199.0% ia tau.
- Utu/Wā: He utu papatahi mai i te 15 tāra ki te 50 tāra.
- Ngā Kaha: Tere te tiki pūtea.
- Ngā Ngoikore: He tino nui ngā utu. I whainatia i te tau 2024 mō te kore whāki mārama i ngā utu tomuri.
Instant Finance
- Taupānga: Instant Finance NZ
- Rehita: Aotearoa (Instant Finance NZ Ltd)
- Hua: Ngā pūtea paku-iti mai i te 100 tāra ki te 1,500 tāra; mō ngā wā 7 ki te 30 rā.
- RHĀT: 49.9% - 79.9% ia tau.
- Utu/Wā: He utu papatahi mai i te 20 tāra ki te 80 tāra.
- Ngā Kaha: Ngāwari te uru atu.
- Ngā Ngoikore: He tino teitei ngā RHĀT.
Heartland Consumer Loans
- Taupānga: Heartland Loans (pae tukutuku/waea pūkoro)
- Rehita: Aotearoa (Heartland Bank)
- Hua: Ngā pūtea kaihoko me te pūmau mai i te 1,000 tāra ki te 40,000 tāra; mō ngā wā 1 ki te 7 tau.
- RHĀT: 8.45% - 12.45% ia tau.
- Utu/Wā: Ngā utu paerewa; he huamoni taunoa +6%.
- Ngā Kaha: He iti ngā RHĀT.
- Ngā Ngoikore: He pōturi ake pea te wheako matihiko.
Squirrel Money
- Taupānga: Squirrel Virtual Card
- Rehita: Aotearoa (Squirrel Money Ltd)
- Hua: Te nama hurihuri tae atu ki te 5,000 tāra.
- RHĀT: 19.95% ia tau.
- Utu/Wā: He utu ā-marama 5 tāra.
- Ngā Kaha: Te whakahaere moni putanga.
- Ngā Ngoikore: Te tūponotanga o te nama hurihuri.
Te Taiao Ture me te Tiaki Kaihoko
Ko te Ture Kirimana Nama me te Pūtea Kaihoko (CCCFA), i whakahouhia i te marama o Hūrae 2025, e whakatau ana i ngā paerewa tino kaha mō te tuku moni haepapa. E whakahau ana kia mārama te whāki i ngā utu katoa me ngā reiti whakatairite. He rohe anō hoki kei runga i ngā utu whakatū, e kore e neke ake i te 5 paheneti o te pūtea matua, i te 150 tāra rānei, ko te mea iti rawa. Kua whakakaha hoki ngā mana o te FMA, kia taea ai te whaina i ngā kaiwhakarato pūtea hangarau-pūtea tae atu ki te 1 miriona tāra mō ia takahi, me te aukati i ngā raihana mō te kore e ū ki ngā ture.
Ko tēnei anga ture e whai ana ki te tiaki i ngā kaihoko mai i ngā mahi tuku moni kore-haepapa, me te whakarite kia mārama te iwi ki ngā utu tūturu o te tango pūtea. He mea nui kia mōhio ngā kai-tango pūtea ki ō rātou motika, tae atu ki te āwhina mō ngā wā uaua ki te utunga moni.
Ngā Whakatamarikitanga Hangarau me ngā Auahatanga o te Mākete
Kua tipu haere te rāngai tuku moni matihiko nā te whakatamarikitanga o ngā taupānga waea pūkoro me ngā tukanga whakapūmau tuakiri (KYC) kua pai ake. Kei te whakamahi hoki ngā kaiwhakarato i ngā tauira arotake nama e hāngai ana ki ngā raraunga rerekē, pērā i te rere moni o te tangata, hei whakatau tere i te tika o te nama. Ko Ferratum NZ me Instant Finance, hei tauira, e tuku ana i ngā pūtea tere mā ngā putea waea pūkoro, e whakaatu ana i te tere me te ngāwari o te hangarau.
Ko ngā auahatanga o te mākete kei te whakaatu i te nui haere o te hiahia ki ngā pūtea tere, ipurangi. Heoi, kei te whanake haere hoki te tiaki raraunga me te tūmataitinga raraunga, he wero e pa ana ki ngā kaiwhakarato e whakamahi ana i ngā raraunga rerekē. Ko te whakataetae mai i ngā ratonga hoko ināianei, utua ā muri (BNPL) kei te piki haere, e akiaki ana i ngā taupānga tuku moni ki te whakahou me te whakapai ake i ā rātou tuku.
Ngā Tohutohu Whaihua mō ngā Kaihoko
Ahakoa te tere me te ngāwari o ngā taupānga tuku moni matihiko, he tūponotanga anō hoki kei roto i a rātou. Ko ngā RHĀT teitei me ngā utu nui ka mauheretia te hunga nama ki roto i ngā huringa nama. He āwangawanga hoki tō te iwi mō te tūmataitinga raraunga, ina koa kei te whakamahi ngā kaiwhakarato i ngā raraunga rerekē hei arotake i te nama.
Hei tiaki i a koe, koia ētahi tohutohu whaihua:
- Whakatairitea ngā Reiti Huamoni me ngā Utu Katoa: I mua i te tono pūtea, whakamahia ngā whakamārama a te CCCFA ki te whakatairite i te RHĀT me te utu katoa o te pūtea. Kia mārama ki ngā utu katoa, tae atu ki ngā utu whakatū me ngā utu ā-marama.
- Tirohia te Raihana a te Kaiwhakarato: Kia kaha ki te tirotiro i te rēhita a te FMA kia mōhio ai kei te whai raihana te kaiwhakarato, ā, kei te ū ki ngā ture o Aotearoa.
- Whakatauria ngā Paenga Tahua: Whakaritea he paenga mō te nama ki roto i te taupānga, ma te whakamahi rānei i ngā taputapu tuatoru, kia kore ai koe e tango pūtea nui atu i te mea e taea e koe te whakahoki.
- Whakamahia ngā Pūmau Wā Uaua: Ki te raru koe ki te whakahoki i ngā moni, kaua e whakaroa ki te tono āwhina. E tika ana kia whiwhi āwhina koe i raro i te CCCFA.
- Pānuitia ngā Arotake a ngā Kaiwhakamahi: Pānuitia ngā arotake me ngā whakamārama mō te wheako kaiwhakamahi (UX) hei kōwhiri i ngā tūāpapa e mōhiotia ana he pai tō rātou tautoko me tō rātou pono.
He taputapu whaihua ngā taupānga tuku moni matihiko ina whakamahia pū, me te mōhio ki ngā tūponotanga. Mā te whai i ēnei tohutohu, ka taea e koe te tango pūtea mā te haepapa me te tiaki i tō tūnga pūtea.
