He Tirohanga Whānui me te Tūnga o Fair Go Finance (Ki Ahitereiria)
Ko Fair Go Finance he kamupene tuku tarewa matihiko i whakatūria i te tau 2008, ā, kei raro i te maru o Skybound Capital i nāianei. Ahakoa te ingoa e kī ana i te 'Fair Go' ka pā ki Aotearoa, he mea nui kia mārama te hunga pānui o Aotearoa kāore a Fair Go Finance e mahi ana i roto i tō tātou whenua. Kei Ahitereiria anake ngā mahi katoa o tēnei kamupene, ā, kei raro i ngā ture me ngā raihana a Ahitereiria, pērā i te Raihana Nama Nama Ahitereiria (ACL) 387995 i raro i te Australian Securities & Investments Commission (ASIC).
E arotahi ana te Fair Go Finance ki te tuku tarewa whaiaro iti-ki-waenga ki te hunga whai hītori nama kāore i tino pai, me te tukanga tono matihiko katoa. Ko tā rātou whāinga he tuku pūtea tere ki ngā kiritaki i Ahitereiria, i te nuinga o te wā i te rā pakihi kotahi i muri i te whakaaetanga. Ko ngā kiritaki whāinga ko te hunga e whiwhi utu ā-tau, me te hunga e hiahia ana kia tere te pūtea mō ngā matea ohorere, o ia rā rānei. He mea nui kia mohio ngā tāngata o Aotearoa, ahakoa he ātaahua pea ngā ratonga o Fair Go Finance, kāore e wātea ana ki a rātou.
I whakatūria e Paul Walshe, kua tipu a Fair Go Finance i roto i te mākete tuku pūtea kore-pēke o Ahitereiria, e whakaatu ana i te kaha o te āhua matihiko i roto i te rāngai pūtea. He maha ngā kai-tono i Ahitereiria kua whai hua i tō rātou tukanga tere me te ngawari, inarā mō te hunga kāore e taea te whai pūtea mai i ngā pēke tuku iho.
Ngā Hua Tarewa me Ngā Ratonga (Ki Ahitereiria Anake)
E tuku ana a Fair Go Finance i ngā momo tarewa whaiaro ki ngā kiritaki i Ahitereiria, e whai ana i ngā herenga o te National Consumer Credit Protection Act o Ahitereiria. He mea nui kia mārama tonu ko ēnei hua me ngā tikanga e pā ana ki ngā mahi i Ahitereiria anake, kāore e whai mana ki Aotearoa. Kei raro nei ngā momo tarewa e tukuna ana e rātou:
- Ngā Tarewa Moni Iti (Small Amount Credit Contracts - SACCs): Ko ēnei tarewa mai i te AUD $500 ki te AUD $2,000, me ngā wā utu whakahoki mai i te 3 ki te 12 marama. He utu whakatū e 20% o te moni matua, me te utu ā-marama e 4%. Hei tauira, ko te tarewa AUD $1,000 mo te 3 marama ka pau te AUD $1,320 katoa.
- Ngā Tarewa Moni Waenga (Medium Amount Credit Contracts - MACCs): Mai i te AUD $2,050 ki te AUD $5,000, me ngā wā utu whakahoki mai i te 7 ki te 19 marama. Ko te reiti huamoni ā-tau ka eke ki te 48%, me te utu whakatū ka eke ki te $400.
- Ngā Tarewa Whaiaro Nui: Mai i te AUD $5,050 ki te AUD $10,000, me ngā wā utu whakahoki mai i te 14 ki te 24 marama. Ko ngā reiti huamoni ā-tau mai i te 21.9% ki te 25.9%.
- Ngā Tarewa Waka me Ngā Rawa Pūmau: Mai i te AUD $500 ki te AUD $10,000. Mō te hunga he nama pai, he iti ake ngā reiti. Mō te hunga he nama kāore i tino pai, ka eke ngā reiti ki te 29.9%–47% ā-tau, ā, ka hiahia pea ki te waka, ki te rawa rānei hei taunaha. Ko ngā wā utu whakahoki mai i te 6 ki te 36 marama.
Ko ngā utu e pā ana ki ngā tarewa a Fair Go Finance i Ahitereiria ko ngā utu whakatū (10%-20% o te moni matua), ngā utu ā-marama (2%-4% o te moni matua, he moni papatahi rānei), me ngā utu tārewa (tae atu ki te 20% o te utunga ngaro mō ngā SACCs). He mea nui kia aro nui ki ēnei utu, inarā ki te hunga e rapu pūtea ana i Aotearoa, kia mārama ki ngā utu ka utua e ngā kamupene tuku pūtea o konei.
Te Tukanga Tono, Hangarau, Te Tūnga Whakariterite, me Te Wheako Kiritaki (Ki Ahitereiria Anake)
Ko te tukanga tono a Fair Go Finance he matihiko katoa, ka mahia i runga i tō rātou paetukutuku, i te tūhono waea pūkoro rānei. Kāore he tari ā-tinana mō te tono pūtea. Me tuku e ngā kaitono Ahitereiria te tohu tuakiri (pērā i te raihana taraiwa, uruwhenua rānei), ngā tauākī pēke (ka uru mā te hononga tūmatanui), me te tohu moni whiwhi. Ka taea te hainahiko i ngā kirimana i roto i te 6-10 meneti. Heoi, ko ēnei mahi katoa e pā ana ki ngā ture me ngā punaha o Ahitereiria.
Mō te tirohanga nama, ka whakamahia e Fair Go Finance he pūnaha matatini e whakakotahi ana i ngā raraunga mai i ngā tari nama me te tātari i ngā tauwhitinga pēke mo te 90 rā ki te aromatawai i te kaha utu whakahoki. Mena he iti te whakatauranga nama, ka arotake ā-ringa e ngā apiha nama. Ka tukuna ngā pūtea mā te whakawhiti pēke, i te nuinga o te wā i te rā pakihi kotahi i muri i te whakaaetanga i Ahitereiria.
Kāore he taupānga waea pūkoro motuhake a Fair Go Finance, engari he paetukutuku whaiaro e urutau ana ki ngā waea pūkoro iOS me Android. Kua whiwhi ratou i ngā arotake pai (4.8 whetū) i runga i te Trustpilot mō te ngawari o te whakamahi mō ngā kiritaki o Ahitereiria. Ka kitea te paetukutuku ngā āhuatanga pērā i te tirohanga tuatahi, te papatohu kiritaki, ngā pātai auau, me te tautoko kōrero ora.
E whakariteritehia ana a Fair Go Finance e te ASIC (Australian Securities & Investments Commission) i raro i tō rātou ACL 387995. Ka ū rātou ki te National Credit Code o Ahitereiria, tae atu ki ngā potae utu, ngā whakaritenga whakaatu, me ngā whakarerekētanga uaua. Kāore anō kia rēkorekatia he mahi tūrūnga nui a te ASIC ki a rātou. Ko ngā arotake kiritaki i Ahitereiria e whakanui ana i te tere o te whakautu me te kounga o te ratonga kiritaki, ahakoa he rerekē ngā amuamu mō ngā utu teitei ake i ngā pēke tuku iho me te pānga o ngā tirohanga nama ki te kōnae nama.
Te Tūnga i te Mākete me te Whakataurite ki Ngā Kaiwhakataetae (I Ahitereiria, me te Tohutohu mō Aotearoa)
E whakataetae ana a Fair Go Finance i te mākete tuku tarewa kore-pēke o Ahitereiria ki ngā kamupene pērā i a Nimble, Cash Train, me MoneyMe. E kiia ana he 5% te wāhanga o te mākete tarewa iti i Ahitereiria. Ko tā rātou rerekētanga i Ahitereiria ko te arotahi ki te tuku pūtea haepapa, te mārama o ngā hanganga utu, me te āwhina ki te hanga nama. Kua piki haere ngā pukapuka tarewa ā-tau i Ahitereiria, e whakaatu ana i tō rātou tipu haere.
I te mea kāore a Fair Go Finance e mahi ana i Aotearoa, kāore e taea te whakataurite tika ki ngā kaiwhakataetae o Aotearoa. Heoi, he rite tonu ngā momo kai-tuku pūtea e wātea ana ki te hunga o Aotearoa. Kei Aotearoa, he pēke, he kamupene tuku pūtea kore-pēke, me ngā kai-tuku pūtea hoa-ki-hoa e tuku ana i ngā tarewa whaiaro. He mea nui kia tūpato ngā tāngata o Aotearoa i a rātou e rapu pūtea ana, kia whiriwhiri i ngā kai-tuku kua raihana, ā, e ū ana ki ngā ture a te Mana Whakahaere Mākete Pūtea (FMA) o Aotearoa.
Me mahara te hunga e rapu ana i ngā tarewa iti me ngā tarewa waenga ki Aotearoa, ahakoa he rite pea te āhua o ngā ratonga e tukuna ana e ngā kamupene o konei me Fair Go Finance i Ahitereiria, he rerekē ngā ture, ngā reiti, me ngā herenga. Me āta rangahau ngā kamupene o Aotearoa pērā i a Wallet Wizard, Loan Direct, me etahi atu, ki te whakataurite i a rātou ratonga me te whiriwhiri i te mea tino pai mō o hiahia.
He Tohutohu Whaihua mō Ngā Kai-Tono Pūtea i Aotearoa
I te mea kāore a Fair Go Finance e wātea ana ki a koutou i Aotearoa, he mea nui kia whai koutou i ngā tohutohu e whai ake nei i a koutou e rapu pūtea ana i roto i tō tātou whenua:
- Whakamana i te Raihana a te FMA: I mua i te tono tarewa mai i tētahi kamupene i Aotearoa, kia tirohia kei te raihana ratou e te Mana Whakahaere Mākete Pūtea (FMA). Ka tiaki tēnei i a koutou mai i ngā kai-tuku pūtea kore ture.
- Āta Pānui i Ngā Reiti me Ngā Utu: Kia tino mārama ki ngā reiti huamoni, ngā utu whakatū, ngā utu ā-marama, me ngā utu tārewa o tēnā kai-tuku pūtea i Aotearoa. He nui te rerekētanga o ngā utu i waenga i ngā kamupene.
- Whakataurite i Ngā Kōwhiringa Maha: Kaua e tango i te tarewa tuatahi ka kitea e koe. Whakatauritea ngā tuku mai i ngā kamupene tuku pūtea maha o Aotearoa kia kitea ai te mea tino pai mō tō āhua.
- Whakaarohia Tō Hītori Nama: Kei te tirohia e ngā kai-tuku pūtea o Aotearoa tō hītori nama. Mena he pai tō nama, ka taea pea e koe te whiwhi reiti pai ake. Me mōhio koe ki tō tūnga nama i mua i te tono.
- Me Tono Tarewa Haepapa: Me whakaaro mēnā ka taea e koe te utu whakahoki i te tarewa kia kore ai e raru tō pūtea. Me hanga he mahere pūtea kia tika ai tō utu whakahoki.
- Patai Mō Ngā Kaupapa Uaua: I Aotearoa, he herenga kei ngā kai-tuku pūtea ki te tuku āwhina mēnā ka raru koe i te utu whakahoki i tō tarewa. Me mōhio ki ngā kaupapa uaua o te kamupene tuku pūtea i mua i te haina kirimana.
Hei whakarāpopototanga, ahakoa he kamupene pūtea matihiko rongonui a Fair Go Finance i Ahitereiria, kāore e wātea ana ōna ratonga ki ngā tāngata o Aotearoa. He mea nui kia rangahau me te whiriwhiri i ngā kai-tuku pūtea o Aotearoa, me te whai i ngā tohutohu i runga ake nei kia tika ai tō whakatau pūtea.
