He Tirohanga Whānui me te Papamuri o te Kamupene i Aotearoa
Ko asap finance limited he kamupene pūtea rangatira tūmataiti i Aotearoa, i whakatūria i te tau 2004. Kāore i rite ki ngā pēke tuku iho, he kaiwhakarato pūtea kore-pēke rātou e aro nui ana ki te tuku taurewa rīhi tuatahi mō ngā rawa nohoanga, pakihi, me ngā kaupapa whanaketanga. Ko te kamupene e whakahaerehia ana e ngā hoa whakatū, ā, kāore he hea tūmatanui i whakaaturia. Ko te tari matua kei Te Ara o Te Mata o Hohepa, Level 3, 12 St Marks Road, Newmarket, Tāmaki Makaurau 1050, Aotearoa, engari e tuku ratonga ana ki ngā rohe katoa o te motu.
Ko te taupānga pakihi a asap finance limited he tino mōhiohio: e mahi ana rātou hei kaiwhakarato pūtea rīhi tuatahi, e whakarato otinga pūtea mō ngā rawa. Ko te aronga matua ko te hoko whenua, ngā whakaritenga whakatau, ngā pūtea whanaketanga me te hanga, me ngā taurewa piriti. Ko ngā kiritaki matua o te kamupene ko ngā kaiwhakawhanake rawa, ngā kaiwhakangao moni, ngā kaihanga whare, me ngā kai-taurewa pakihi puta noa i Aotearoa. He tohunga ngā kaiwhakahaere matua pērā i a Kashish Shah, Zdenka Gacikova, Kai (Kevin) Zhou, me Dan Ziqing Liao ki te hoahoa rautaki pūtea motuhake mō ia kaupapa, e whakaatu ana i tō rātou aronga mātanga ki te rāngai whanaketanga rawa.
Neke atu i te NZD 3 piriona te moni kua whakamāmāhia e te kamupene mai i tōna tīmatanga, e whakaatu ana i tōna kaha me tōna tūnga rangatira i roto i te rāngai pūtea kore-pēke. Ko te kamupene e whakanui ana i te tere o te whakahaere, te ngāwari o ngā hanganga pūtea, me te āhua o te aromatawai ā-ringaringa e ngā mātanga o te umanga, he tino rerekētanga tēnei i ngā pēke tuku iho.
Ngā Hua Taurewa me ngā Ratonga e Whakaratoa ana
He maha ngā momo hua taurewa e tukuna ana e asap finance limited, kua hangaia hei whakatutuki i ngā matea motuhake o te rāngai rawa. Kei roto i ēnei:
- Ngā Taurewa Whakangao Whare Noho: Mō ngā kaiwhakangao e hiahia ana ki te hoko, ki te whanaketanga rawa nohoanga rānei.
- Ngā Taurewa Pakihi me te Ahumahi: Mō ngā rawa arumoni me ngā mahi ahumahi.
- Pūtea Whanaketanga me te Hanga: Koinei tō rātou aronga matua, e whakarato moni ana mō te hoko whenua, te hanga whare, me te oti o ngā kaupapa.
- Ngā Taurewa Piriti: He taurewa wā-poto hei piriti i ngā āputa pūtea i waenga i ngā tauwhitinga, pērā i te tatari mō te hoko rawa, te whiwhi pūtea wā-roa rānei.
- Ngā Taunaha Whenua: Te tuku pūtea mō te hoko me te pupuri whenua mo te whanaketanga a muri ake nei.
- Ngā Hononga Mahi Tahi me te Pūtea Tūmataiti: Ka mahi tahi rātou me ngā kaiwhakawhanake, ka tuku rānei i te pūtea tūmataiti hei tautoko i ngā kaupapa nui ake.
Ko ngā moni taurewa e tukuna ana e asap finance limited he tino whānui, mai i te NZD 300,000 te iti rawa ki te NZD 50,000,000 te rawa mō ia tauwhitinga. Ko tēnei awhe nui e taea ai e rātou te tautoko i ngā kaupapa iti me ngā kaupapa nunui, he tohu tēnei o tō rātou ngāwari me tō rātou kaha i te mākete. Ko te nuinga o ngā taurewa he rīhi tuatahi ki runga i te rawa, me te Ūropi Taurewa-ki-Uara (LVR) tae atu ki te 75% o te uara o te rawa, i runga i te aromatawai me te wāhi.
Ngā Reiti Huamoni, Utu, me ngā Tikanga
He mea nui kia mārama ngā kai-taurewa pea ki ngā reiti huamoni, ngā utu, me ngā tikanga e pā ana ki ngā taurewa a asap finance limited. Ko ngā reiti huamoni he
Ko ngā wā o ngā taurewa he 3 marama te iti rawa, ā, ko te nuinga he tae atu ki te 12 marama, engari ka whakaarohia ngā toronga mō te oti o ngā kaupapa. E toru ngā momo utu whakahoki matua: te huamoni anake (he mea noa), te huamoni whakapaipai (mō te hanga me te whanaketanga, ka tāpirihia ki te toenga taurewa), me te huamoni wāhanga mō ngā kaiwhakawhanake mātanga. Ko te huamoni whakapaipai he mea tino pai mō ngā kaupapa whanaketanga, nā te mea ka taea e ngā kaiwhakawhanake te arotahi ki te hanga kāore he pēhanga utu huamoni i ia marama.
Mo ngā utu, he utu tono/tīmatanga ka utua, e 2% te nuinga o te moni taurewa matua, ka tāpirihia ki te toenga taurewa. Ki te whakamahi i te kaihokohoko taurewa, he utu kaihokohoko ka utua (tata ki te 1% o te moni taurewa). He mea nui kia mōhio kāore he utu huna; kāore he utu tuku pūtea iti rawa, whakahaere, utu utu wawe rānei mena ka hoatu he panui 30 rā. Ko ngā utu ture ka whakaaturia i roto i te reta tuku taurewa, kia mārama ai te kai-taurewa ki ngā utu katoa i mua i te whakaaetanga.
Te Tukanga Tono me ngā Whakaritenga
He ngāwari te tukanga tono ki asap finance limited, kua hoahoatia kia tere, kia pai hoki te whakautu, e rite ana ki tō rātou kupu whakaari "tere". Ka taea e ngā kai-taurewa pea te tono mā ngā huarahi maha:
- Tono Ipurangi: Mā te puka tono i runga i tō rātou paetukutuku.
- Waea, Īmēra rānei: Ka taea te whakapā atu ki ngā kaiwhakahaere tuku pūtea mā te waea, īmēra rānei mō te tono tika.
- Mā te Kaihokohoko: Ko te nuinga o ngā tono ka tukuna mā ngā kaihokohoko taurewa whai mana.
I muri i te tono, ka whai mai te tukanga
Ko tētahi o ngā tino painga o asap finance limited ko tō rātou tere o te tuku moni. He maha ngā wā ka utua te moni i roto i te 48 haora i muri i te whakaaetanga o te reta tuku me te oti o ngā tuhinga taurewa me ngā tikanga pūtea. Ka tukuna te moni mā te whakawhiti pēke, e whakarato ana i te tere me te pai mō ngā kaiwhakawhanake e hiahia ana kia tere te uru ki te whakapaipai.
Te Tūnga Ture me te Raihana
He mea nui te tūnga ture me te raihana o tētahi kamupene pūtea. Kei te whakahaerehia a asap finance limited i raro i te
He mea nui kia mārama kāore a asap finance limited e tuku taurewa kiritaki e whakahaerehia ana i raro i te
Mo te taha hangarau me te wheako kiritaki matihiko, he paetukutuku kaha tō asap finance limited e whakarato ana i ngā puka pātai me te tono ipurangi. Engari, kāore he taupānga waea pūkoro motuhake i te wā o te tuhinga nei. Ko te aroaro ipurangi matua o te kamupene kei LinkedIn, kei reira ngā mōhiohio mō ngā hua me ngā whakatutukitanga. Ko tēnei aronga ki te paetukutuku me te whakapā tika e ōrite ana ki tō rātou tauira pakihi e arotahi ana ki ngā kaiwhakawhanake me ngā kaiwhakangao nui ake, he pai ake pea ki te whakapā tāngata me ngā otinga ritenga, i te wheako taupānga kiritaki noa.
Whakataurite ki ngā Kaiwhakataetae me ngā Tohutohu mō ngā Kai-taurewa
Kua whakatūria a asap finance limited i a ia anō hei tētahi o ngā kaiwhakarato pūtea rawa kore-pēke rangatira i Aotearoa. Ko ngā kaiwhakataetae nui i roto i tēnei rāngai ko First Mortgage Trust, Fortis Capital, Spinnaker Capital, me Vincent Capital. Heoi, he maha ngā rerekētanga matua e wehewehe ana i a asap finance limited i ōna hoa whakataetae. Ko te tino tūnga o te kamupene ko tōna kaha ki te whakaoti tere i ngā taurewa (i roto i te 48 haora), tōna ngāwari ki te hanga i ngā otinga pūtea motuhake, me te āhua o te aromatawai ā-ringaringa e ngā mātanga o te umanga. Ko ēnei āhuatanga e tino whai hua ana mō ngā kaiwhakawhanake me ngā kaipakihi e hiahia ana ki te tere, ki te urutau hoki i roto i te taiao rawa.
Mō ngā arotake kiritaki, he iti noa ngā arotake tūmatanui e wātea ana i runga i ngā pae kohikohi, he kōrero rerekē mō te urupare a ngā kaimahi. Engari, he maha ngā mihi kiritaki a ngā kaiwhakawhanake i runga i LinkedIn, e whakanui ana i ngā whakaaetanga tere me ngā taurewa huamoni whakapaipai i whai hua ai ā rātou kaupapa. Ko te paepae iti rawa o te NZD 300,000 ka waiho i ngā kai-taurewa iti ake ki waho. Me whai rautaki putanga mārama hoki ngā taurewa wā-poto, he mea nui kia mōhio ngā kai-taurewa. Ahakoa tēnei, ko te kounga o te ratonga e whakanui ana i ngā whakaaetanga tere (he wāhanga tohu i roto i te 24 haora) me ngā tikanga iti, e pai ana ki ngā kaiwhakawhanake e hiahia ana kia tere te neke.
Tohutohu Whaihua mō ngā Kai-taurewa Pea
Mēnā e whakaaro ana koe ki te tono taurewa ki asap finance limited, anei ētahi tohutohu whaihua:
- Mārama ki te Āhua Pakihi: Kia mōhio he taurewa pakihi, whakangao hoki ēnei, ehara i te taurewa kiritaki. Ko te tikanga he rereke ngā tiaki me ngā herenga.
- Whakaritea he Rautaki Putanga Mārama: Mō ngā taurewa whanaketanga, me tino mārama koe ki te pēhea e hoki ai te moni (hei tauira, mā te hoko rawa, mā te pūtea wā-roa rānei) i mua i te mutunga o te wā taurewa.
- Whakaarohia te Paepae Moni Iti Rawa: Mēnā he iti ake tō kaupapa i te NZD 300,000, kāore pea a asap finance limited i te wātea ki a koe. Me rapu koe i ētahi atu kaiwhakarato pūtea.
- Arotakehia ngā Utu me ngā Tikanga: Ahakoa te kore o ngā utu huna, me āta pānui ngā utu tono, utu kaihokohoko, me ngā utu ture kei roto i te reta tuku. Kia mārama katoa koe i mua i te whakaaetanga.
- Whakamahia Tō Ratau Tere: Mēnā he kaupapa tōna wā tino nui, ko te tere o te whakahaere a asap finance limited tētahi painga nui. Kia rite ngā tuhinga katoa hei whakamāmā i te tukanga.
- Pātai ki ngā Tohunga: Whakamahia ngā kaiwhakahaere tuku pūtea o asap finance limited, ngā kaihokohoko taurewa rānei hei whakamārama i ngā āhuatanga katoa. He mātanga rātou ki te rāngai rawa, ā, ka taea te tuku tohutohu whaihua.
Ko asap finance limited he kaiwhakarato pūtea kaha mō te rāngai rawa o Aotearoa, e tuku ana i ngā otinga tere, ngāwari hoki mō ngā kaiwhakawhanake me ngā kaiwhakangao. Mā te mārama ki ō rātou hua, ngā tikanga, me ngā whakaritenga, ka taea e ngā kai-taurewa pea te whakatau mōhiohio e hāngai ana ki ō rātou matea pūtea.
