He Tirohanga Whānui me te Hītori o Apollo Finance i Aotearoa
Ko Apollo Finance Group Limited, he kamupene pūtea tūmataiti nō Aotearoa, i whakatūria i te tau 2010 hei whakatutuki i ngā hiahia pūtea rerekē o te motu. I rehitatia i raro i te Ture Kamupene 1993, ko tōna NZBN ko 9429031591119, ā, kua tohua hei "mahi kamupene pūtea" (ANZSIC K623010). Ko tōna tari rehita me tōna wāhi mahi matua kei Unit 7, 243 Blenheim Road, Riccarton, Ōtautahi 8041. Mai i tōna tīmatanga i te 6 o Paenga-whāwhā 2010, kua pūmau a Apollo Finance ki te whakarato i ngā ratonga pūtea mā te whakamahi i te hangarau matihiko.
Ko te mana rangatira o te kamupene kei a Soon Trustee Limited, e pupuri ana i te 100% o ngā hea mai i te marama o Hereturikōkā 2015. Ko Wee Yang Soon te Kaiwhakahaere o te kamupene mai i te tīmatanga, e ārahi ana i ngā mahi katoa. Ahakoa i mahi tahi a Tina Mingwan Ban rāua ko Qing Kai Ban hei kaiwhakahaere i ngā wā o mua, ko Wee Yang Soon anake te kaiwhakahaere kaha i tēnei wā, e tohu ana i te pūmautanga o te kaihautū o te kamupene.
Te Tauira Pakihi me te Wāhi Mākete
He mea nui te tauira pakihi matihiko o Apollo Finance. Ka whakahaeretia e ia tētahi tūāpapa tuku pūtea matihiko katoa, e aro ana ki ngā kai-taurewa hokohoko me ngā pakihi iti me te reo (SMEs) puta noa i Aotearoa. Nā tēnei aronga matihiko, ka taea e te kamupene te whakamahi i ngā raraunga rerekē me te whakatau pūtea aunoa, kia tere ai te whakatau pūtea me te tuku moni ki ngā kai-taurewa. Ko tēnei pūkenga ki te tere me te ngāwari te whakatutuki i ngā hiahia pūtea o ngā kiritaki, kua noho hei tohu wehewehe mā Apollo Finance i te mākete pūtea o Aotearoa.
Ngā Hua Pūtea me Ngā Ratonga e Tukuna ana e Apollo Finance
E tuku ana a Apollo Finance i te whānuitanga o ngā hua pūtea hei whakatutuki i ngā hiahia rerekē o ngā tāngata takitahi me ngā pakihi. Ko te aronga matihiko ka whai hua ki te ngāwari o te tono me te tere o te whakahaere.
Ngā Momo Pūtea
Ka tukuna e te kamupene ngā momo pūtea e whai ake nei:
- Ngā Pūtea Whaiaro: He pūtea whakaurunga kāore he taurangi, e tika ana mō ngā hiahia whaiaro pēnei i te huri haere, te whakatika kāinga, te utu pire ohorere rānei.
- Ngā Pūtea Waka me Ngā Taputapu: E hāngai ana ēnei pūtea ki te hoko waka, taputapu rānei, e tautokona ana e te waka, te taputapu rānei hei taurangi.
- Ngā Pūtea Whakahou Kāinga: Ka kōkiri i ngā kaupapa whakatikatika, whakahou rānei i te kāinga, ā, ka taea hoki te whakamahi mō te whakakotahi i ngā nama.
- Ngā Pūtea Pakihi Iti: He pūtea wā mō ngā pakihi iti, tae atu ki te whāinga nama, hei tautoko i te rere o te moni, i ngā whakapaunga mahi rānei.
Ngā Rahinga Pūtea me Ngā Whakaritenga Taurangi
He whānui ngā rahinga pūtea e tukuna ana e Apollo Finance, mai i te NZD 2,000 mō ngā pūtea iti, ā, ka tae ki te NZD 200,000 mō ngā pūtea nui ake. Ko tēnei whānuitanga e āhei ai te kamupene ki te tautoko i ngā momo kai-taurewa me ngā hiahia pūtea rerekē.
Mō ngā pūtea whaiaro ki runga ki te NZD 10,000, ka tukuna kāore he taurangi. Engari, mō ngā pūtea nui ake, tae atu ki ngā pūtea pakihi me ngā pūtea waka, ka hiahiatia he taurangi. Hei tauira, ko ngā pūtea waka me ngā taputapu ka tautokona e te taitara o te waka, o ngā taputapu rānei, ā, ko ngā pūtea pakihi ka taurangitia e ngā rawa pakihi, e ngā nama nama rānei.
Ngā Reiti Huamoni, Ngā Utu, me Ngā Tikanga Utu a Apollo Finance
I a koe e whakaaro ana ki te taurewa, he mea nui kia mārama ki ngā reiti huamoni, ngā utu, me ngā tikanga utu. Ka whakarato a Apollo Finance i ngā taipitopito e whai ake nei:
Ngā Reiti Huamoni Ā-Tau (APR)
Ka tīmata ngā reiti huamoni ā-tau (APR) mō ngā pūtea whaiaro i te 15.99%, ā, ka eke ki te 29.99% mō ngā kai-taurewa morearea teitei ake. Mō ngā pūtea arumoni, ka heke iho ngā reiti APR, ka tīmata i te 9.5% ā, ka tae ki te 24.5%. He mea nui kia mahara ka whakatauhia te reiti huamoni motuhake ki runga i te aromatawai morearea o te kai-taurewa.
Ngā Utu me Ngā Whakaaetanga Utu
Ka piri mai ētahi utu ki ngā pūtea a Apollo Finance. Kei roto i ēnei:
- Utu Whakahaere/Tukanga: He utu kei waenga i te 1.5% ki te 3% o te moni pūtea matua. Ko tēnei utu hei kapi i ngā whakapaunga mō te tukatuka i te tono pūtea.
- Utu Whakaroaroa Utu: Mēnā ka ngaro tētahi utunga, ka piri he utu whakaroaroa o NZD 25 ki te NZD 50 mō ia utunga i ngaro. He mea nui kia utua ngā utunga i te wā tika hei karo i ēnei utu tāpiri.
- Utu Whakahoki Moata: He rongo pai mō ngā kai-taurewa e hiahia ana ki te whakahoki i tā rātou pūtea i mua i te wā oti: kāore he utu whakahoki moata. Ka āhei tēnei ki ngā kai-taurewa ki te whakaora moni mā te whakahoki wawe i te nama.
Mō ngā tikanga utu, ka tukuna ngā pūtea whaiaro me ngā wā utu mai i te 6 marama ki te 60 marama (e rima tau), ā, ko ngā pūtea pakihi he wā utu mai i te 12 marama ki te 48 marama. Ko te wā roa ka āwhina i te whakaheke i ngā utunga o ia marama, engari ka piki ake ngā huamoni katoa i utua.
Te Tukanga Tono, Ngā Whakaritenga, me te Wheako Taupānga Waea
Ko te tukanga tono pūtea i Apollo Finance he mea hoahoa kia tere, kia māmā hoki, e hāngai ana ki tōna aronga matihiko. Kāore he peka ā-tinana, nā reira ka whakahaerehia ngā mea katoa mā te ipurangi.
Te Tukanga Tono me te Whakamanatanga Tuakiri
Ka taea e ngā kai-tono te tuku tono mā te taupānga waea pūkoro (e wātea ana i runga i te App Store me te Google Play) mā te paetukutuku a te kamupene rānei. Ko te tukanga whakamanatanga tuakiri he matihiko katoa, e whakamahi ana i ngā kaiwhakarato tuatoru. Ka tonoa ngā kai-tono ki te tuku tohu moni whiwhi, pēnei i ngā tauākī pēke mā te honohono pēke, mā te tuku tāpaetanga utu rānei. Ka whakamahia e Apollo Finance tētahi tauira whakatau kaute pūmau e whakauru ana i ngā raraunga rerekē (pēnei i ngā whakamahinga, ngā hītori utu reti) me ngā raraunga tari nama. Nā tēnei, ka taea e te pūkaha whakatau aunoa te whakaae i te nuinga o ngā tono i roto i ngā meneti. Mēnā ka whakaaetia te pūtea, ka tukuna te moni ki te pēke kua tohua e te kai-taurewa mā te whakawhiti pēke, he tere rawa te tukanga mō ngā pēke matua.
Ngā Āhuatanga o te Taupānga Waea me te Whakamahi
Ko te taupānga waea a Apollo Finance he āhuatanga matua o tōna wheako kiritaki. E wātea ana i runga i ngā tūāpapa iOS me Android, ā, e ai ki ngā kōrero, he toharite 4.2/5 tōna whakatauranga. He maha ngā mahi ka taea e ngā kaiwhakamahi te mahi mā te taupānga, tae atu ki te pānui i te tatauranga pūtea hei whakatau i ngā utunga, te tiro i te mahere utu, te tiki tauākī ā-taupānga, me te tono whakahōunga utu. Ka taea hoki te whakapā atu ki te tautoko kiritaki mā te waea, te īmēra, me te kōrerorero ipurangi, e wātea ana i te Rātū ki te Paraire, mai i te 8 i te ata ki te 6 i te ahiahi. Ko tēnei taupānga ka āhei i ngā kai-taurewa ki te whakahaere i tā rātou pūtea i te wā tika, i ngā wā katoa, i ngā wāhi katoa.
Te Tūnga Whakahaere, Te Wāhi ki te Mākete, me Ngā Tohutohu mō te Kai-taurewa
He mea nui te mārama ki te tūnga whakahaere o tētahi kaiwhakarato pūtea, tōna wāhi ki te mākete, me ngā tohutohu whaihua mō te hunga e whakaaro ana ki te taurewa.
Te Tūnga Whakahaere me te Raihana
Kua rehitatia a Apollo Finance ki te Rēhita Kaiwhakarato Ratonga Pūtea (FSPR), e tohu ana kei te whai ia i ngā whakaritenga ture o Aotearoa. Ahakoa kāore i te hiahiatia he raihana pēke katoa, ka whakahaere ia i raro i ngā rerenga o te Ture Tiaki Kaihoko Taurewa (CCCFA) 2003. Ko te Komihana Tauhokohoko te kaitirotiro matua. I tirotirohia e te Komihana Tauhokohoko ngā kōrero e pā ana ki te whakaaturanga utu i ngā tau 2017–2018, ā, i mahia ngā mahi whakatika e te rāngai. Ka whai a Apollo Finance i ngā tikanga marama mō te whakaatu utu me ngā tikanga kirimana paerewa. Hei tiaki i ngā kaihoko, kei te kamupene tētahi tukanga ārai uaua me ngā whakakorenga utu mō ngā raru pūtea tūturu, ā, ka whai ia i ngā potae huamoni me ngā utu o te CCCFA. Mēnā ka ara ake he tautohetohe, ka taea te whakatau mā te Financial Services Complaints Ltd, he rōpū whakatau tautohetohe motuhake.
Te Tūnga ki te Mākete me Ngā Kaiwhakataetae
He iti noa te wāhi mākete o Apollo Finance (iti iho i te 1% o te nama kaihoko kāore he taurangi) i Aotearoa. Ka whakataetae ia ki ētahi atu kai-tuku pūtea matihiko pēnei i a Nectar, Lending Crowd, me Harmoney. Ko tōna rerekētanga matua ko tōna whakamahinga o ngā raraunga rerekē mō te aromatawai pūtea, me tōna arotahi ki ngā pakihi iti me te reo. Hei whakatairanga i te tipu, e whai ana a Apollo Finance ki te piki haere ā-tau o te 20% i roto i tōna pukapuka pūtea mā ngā hononga hokohoko me ngā umanga kaute me ngā honohono fintech, pēnei i te honohono API me Xero mō te whāinga nama aunoa.
- Harmoney: He mākete hoa-ki-hoa e hono ana i ngā kai-taurewa ki ngā kaipakihi.
- Lending Crowd: E tuku ana i ngā pūtea P2P e whakahauhia ana e ngā kaipakihi.
- Nectar: E tohua ana mō tōna whakatau tere, tūmataiti i roto i ngā meneti.
- Apollo Finance: E wehewehe ana ia mā tōna whakamahinga o te whakahaere raraunga rerekē me tōna arotahi ki te tuku pūtea ki ngā pakihi iti me te reo.
Ngā Tohutohu Whaihua mō Ngā Kai-taurewa e Tino Hiahia Ana
Mēnā kei te whakaaro koe ki te tono pūtea mai i a Apollo Finance, he mea nui kia whai whakaaro koe ki ēnei tohutohu whaihua:
- Arotakehia ō Hiahia: Me mārama ki te take e hiahia ana koe ki te pūtea me te rahinga e hiahiatia ana e koe. Kaua e taurewa nui ake i te mea e tika ana.
- Whakatauritea Ngā Reiti me Ngā Utu: Ahakoa ngā reiti me ngā utu o Apollo Finance, he mea pai tonu te whakataurite ki ētahi atu kaiwhakarato pūtea i Aotearoa hei whakarite kia whiwhi koe i te otinga pai rawa atu mō tō tūnga.
- Pānuitia Ngā Tikanga: Me pānui me te mārama ki ngā tikanga katoa o te kirimana pūtea, tae atu ki ngā reiti huamoni, ngā utu, ngā wā utu, me ngā whiu mō te whakaroaroa.
- Mahia te Tahua Pūtea: Kia mōhio ka taea e koe te utu i ngā utunga o ia marama mā te hanga i tētahi tahua pūtea whaihua. Ko te kore e taea te utu i te nama ka hua mai i ngā raru pūtea.
- Whakapā Atu Mō te Uaua: Mēnā ka raru koe ki te utu i tō nama, whakapā atu ki a Apollo Finance i te wā tika. Kei a rātou he tukanga ārai uaua, ā, ka taea pea e rātou te āwhina i a koe.
He kōwhiringa pai a Apollo Finance mō te hunga e rapu ana i te pūtea tere, matihiko hoki i Aotearoa, inarā mō ngā pakihi iti me te hunga e whai hua ana i te aromatawai raraunga rerekē. Heoi anō, pēnei i ngā whakatau pūtea katoa, he mea nui kia mahia tō rangahau, kia mārama ki ngā kōrero katoa, ā, kia whai whakaaro hoki ki tō tūnga pūtea ake.
