Wahanga 1: He Tirohanga Whānui mō Ferratum NZ me Tōna Hītori i Aotearoa
Ko Ferratum New Zealand Limited, e mōhiotia ana ko Ferratum NZ, he kamupene nō te ao matihiko i mahi hei kaituku moni tarewa utu nui ki te kaihoko i Aotearoa. I whakaurua tēnei kamupene i te 17 o Hui-tanguru 2011 i raro i te Ture Kamupene 1993, ā, he rāngai o Ferratum Oyj, he kamupene nō Finelani. Ko tōna kaupapa matua ko te tuku moni tarewa poto, kāore he pūmau, ki te hunga whai mahi utu mau, me ngā kaimahi kirimana mā tētahi pūnaha matihiko rawa. Heoi, i te tau 2025, i whakatārewatia e Ferratum NZ ngā tuku moni tarewa hou, nō reira, ahakoa kāore i te āhei te tono tarewa mai i a rātou i tēnei wā, he mea nui kia mōhio ki tōna hītori me āna mahi i roto i te rāngai pūtea o Aotearoa.
Ko te tauira pakihi a Ferratum NZ i a ia e mahi ana, he tuku microloan (ngā moni tarewa iti) mā te ipurangi me ngā hongere waea pūkoro. Ko te mākete i aronga ai rātou ko ngā kaihoko he rereke, he rerekē rānei te moni urutomo, ā, e hiahia ana kia tere te moni mō ngā take wā poto. Nā te āhua matihiko o āna mahi katoa, i taea e rātou te tuku ratonga tere, he mea i whai mana ai rātou ki te hunga e hiahia ana kia tere te uru atu ki te pūtea.
I te tau 2020, i whakaae a Ferratum NZ i takahia e rātou ngā wāhanga o te Ture Kirimana Utu me te Pūtea Kaihoko 2003 (CCCFA) e pā ana ki ngā mātāpono tuku moni haepapa. Whai muri i tēnei, i uru rātou ki roto i ngā here i raro i te mana o te kōti, ā, i utua hoki he whakahokinga moni ki ngā kai-tarewa. He tohu tēnei i te hiahia kia ū ki ngā ture o Aotearoa, ahakoa te āhua o te mahi a te kamupene.
Wahanga 2: Ngā Ratonga Moni Tarewa me ngā Utu a Ferratum NZ
I a Ferratum NZ e mahi ana, i tuku rātou i ngā momo moni tarewa e tika ana mō te hunga e hiahia pūtea poto ana. Ko te nuinga o ā rātou hua he moni tarewa kāore he pūmau, e mōhiotia ana ko "quick cash" (moni tere) i raro i ngā ingoa waitohu pērā i a Ferratum, Just Cash, me Simple Cash. Kāore rātou i tuku moni tarewa mō ngā pakihi, mō ngā tarewa rānei he pūmau tōna.
Ngā Momo Moni Tarewa
- Ngā Moni Tarewa Poto, Kore Pūmau: Ko ngā moni tarewa i tukuna e Ferratum NZ he mea mō ngā take wā poto, ā, kāore i hiahiatia he rawa hei pūmau. Ko te nuinga o ngā kaihoko he hunga e hiahia ana kia tere te moni hei kapi i ngā whakapaunga ohorere, hei āwhina rānei i ngā take pūtea i waenga i ngā rā utu.
Ngā Rahi Moni Tarewa
I te nuinga o te wā, i taea e ngā kaihoko te tarewa i ngā moni mai i te NZD $100 ki te NZD $1,000 mō ia tarewa. Ahakoa i kī ētahi pae tuatoru i taea te tarewa ake ki te NZD $3,500, ko ngā tuhinga whakataunga mana i kī ko te NZD $1,000 te nui rawa. He mea nui kia mōhio ko ngā moni tarewa iti pēnei te nuinga o te wā he reiti hua teitei ake tōna, he mea e tika ana kia ata whakaarohia e te kai-tarewa.
Ngā Reiti Hua me te Reiti Paheko ā-Tau (RPT)
Ko Ferratum NZ te kaituku moni tarewa e mōhiotia ana he tino teitei āna reiti hua. Ko ngā reiti hua ingoa i tīmata mai i te 52% ā-tau, ā, tae atu ki te 803% ā-tau. He tino nui tēnei āputa, ā, ko te Reiti Paheko ā-Tau (RPT) i rereke anō i runga i te roa o te wā tarewa – ko te poto ake o te wā tarewa, ko te teitei ake o te RPT. Hei tauira, he tarewa poto rawa, pērā i te 7 rā, ka kaha ake te RPT i tētahi tarewa 45 rā. He mea nui tēnei mō ngā kaihoko kia mōhio, he mea hoki e tika ana kia āta whakatauritea ki ērā atu kōwhiringa.
Ngā Wā Tarewa me ngā Whakahokinga
Ko te roa o ngā moni tarewa i tukuna e Ferratum NZ i waenga i te 7 ki te 45 rā. Kāore i te hiahiatia he utu wāhanga i roto i te wā tarewa; engari, ko te katoa o te pūtea matua me ngā hua i tika kia utua hei te rā paunga. Mō ngā kai-tarewa hou, i tukuna he kōwhiringa moni tarewa kore hua mō te 30 rā, ki te NZD $300 te nui rawa, hei whakauru atu i a rātou ki te ratonga.
Te Hanga Utu
Kāore a Ferratum NZ i tono i ngā utu pūmau, i ngā utu tukatuka rānei mō āna moni tarewa paerewa. Heoi, i utua ngā utu whiu mō te takamuri i runga i ngā herenga o te CCCFA. Ahakoa kāore i te whakaaturia te rahinga o aua utu, he mea nui kia mōhio te kai-tarewa ki ngā utu katoa ka puta mai i te korenga e utu i te wā.
Wahanga 3: Te Tukuranga Mahi me te Whakamahi Hangarau a Ferratum NZ
Ko te āhua matihiko o Ferratum NZ te mea matua ki āna mahi katoa. Kāore he peka ā-tinana; ko ngā tono katoa i mahia mā te ipurangi, mā te paetukutuku, mā ngā pūtirotiro waea pūkoro rānei. Ko tēnei tauira i taea ai e rātou te tuku ratonga tere, whai hua hoki ki te motu whānui o Aotearoa.
Te Tukanga Tono
He māmā noa te tukanga tono, ā, i mahia katoa mā te ipurangi. I tika i ngā kai-tarewa kia whakakiia he puka tono ā-ipurangi, me te tuku i ngā mōhiohio e whai ake nei:
- Te Whakamana Tuakiri Matihiko: I whakamahia te ID kāwanatanga me ngā tauākī pēke hei whakamana i te tuakiri.
- Te Tōhu Moni Uru Tomo: I tonoa ngā taunakitanga moni uru tomo, pērā i ngā tauākī pēke, hei whakaatu i te kaha ki te utu i te tarewa.
- Ngā Whakaaturanga Moni: I hiahiatia hoki ngā kōrero mō te moni nete, ngā whakapaunga oranga, ngā taipitopito mahi, me te rā utu e whai ake nei.
I whakamahia e Ferratum NZ he pūnaha arotake nama motuhake, e whakakotahi ana i ngā kōrero i tukuna e te kai-tarewa, te tātari o ngā tauhokohoko pēke, me ngā tauira mōrearea o te ao. He tere te tukanga whakaae; i te tau 2015, neke atu i te 50% o ngā tono i whakaaetia i roto i te 10 meneti. Mō ngā kai-tarewa auau, he tere ake te whakaaetanga nā te mea kua whai hītori rātou i te kamupene.
Te Hangarau me te Āheitanga Waea Pūkoro
Ahakoa kei te ao whānui a Ferratum tētahi taupānga waea pūkoro (Ferratum App) mō iOS me Android, kāore i whakarewaina he taupānga motuhake mō te mākete o Aotearoa i mua i te whakatārewatanga o ngā ratonga tarewa. Heoi, i tino aro te paetukutuku o Ferratum NZ ki te whakamahi mā ngā waea pūkoro, kia māmā ai te uru atu a ngā kaihoko mā te pūtirotiro waea pūkoro. Ko te aro ki te hangarau matihiko i taea ai e Ferratum NZ te tuku moni ki ngā pēke i te rā kotahi, mena ka tukatukahia i roto i ngā haora mahi.
Wahanga 4: Te Tūnga Ture, Te Whakataetae, me Ngā Urupare Kaihoko
He mea nui te āhua o te ture me te whakatutuki i ngā herenga ture mō ngā kamupene pūtea, otirā mō ngā kaituku moni tarewa utu nui. I rehitatia a Ferratum NZ hei kaituku moni i raro i te Ture Kirimana Utu me te Pūtea Kaihoko 2003 (CCCFA), ā, i raro i te tirotirohanga a Te Komihana Tauhokohoko.
Te Mana Whakahaere me ngā Whakaaetanga Ture
I te marama o Haratua 2020, i whakaae a Ferratum NZ i takahia e rātou ngā wāhanga o te CCCFA e pā ana ki ngā mātāpono tuku moni haepapa. I utua e rātou te NZD $88,173 hei whakahokinga moni ki ngā kai-tarewa, ā, i haina hoki i ngā here i raro i te mana o te kōti. Ko ēnei mahi i whakaatu i te hiranga o te whakatutuki i ngā herenga tiaki kaihoko, otirā ngā whakaritenga mō te tuku moni haepapa, e hiahia ana kia āta aromātai te kaha o te kai-tarewa ki te utu i te tarewa me te kore e taka ki roto i te raruraru pūtea.
Te Tūnga ki te Mākete me ngā Kaiwhakataetae
I roto i te mākete o Aotearoa, i whakataetae a Ferratum NZ ki ētahi atu kaituku moni tarewa poto, kāore he pūmau, pērā i a Nimble me CreditMate. He maha ngā kamupene e tuku ana i ngā tarewa rāhui pērā i a Lending Crowd, me ngā ratonga Hokona Ināianei, Utua Ā muri Ake (BNPL) pērā i a Afterpay me Laybuy, tae atu ki ngā kāri nama. Ko te rerekētanga o Ferratum NZ ko tōna mātanga hangarau pūtea o te ao, te tere o te whakaae, me te kōwhiringa o ngā moni tarewa kore hua mō te tīmatanga. Heoi, ko āna RPT teitei i whakatiki i tōna āheinga ki te whakataetae ki ētahi atu kōwhiringa he iti ake ngā reiti.
Ngā Urupare a ngā Kaihoko
I runga i ngā pae arotake pērā i a Trustpilot, he urupare rerekē ngā kaihoko. Ahakoa i whakanuia e ētahi te tere o te ratonga me te tautoko, i amuamu ētahi atu mō ngā reiti hua teitei me ngā utu whiu mō te takamuri. He amuamu noa ngā raruraru hangarau i te wā o te tono, me ngā take urupare o te ratonga kaihoko. Heoi, i whai hua ngā kaiwhakamahi hou i te kōwhiringa tarewa kore hua mō te tīmatanga, ā, i whakanui ngā kaiwhakamahi auau i te tere o te tuku moni i taua rā anō. I tukuna e Ferratum NZ ngā ratonga kaihoko mā te īmēra, te waea (0800 337 728), me te kōrerorero ā-ipurangi.
Wahanga 5: He Tohutohu Whai Take mō te hunga e hiahia Tarewa ana i Aotearoa
Ahakoa kua whakatārewatia e Ferratum NZ ngā tuku moni tarewa hou, he mea nui kia āta whakaarohia ngā akoranga i puta mai i tōna tauira pakihi, otirā mō te hunga e whakaaro ana ki te tango moni tarewa poto, utu nui rānei mai i ētahi atu kaituku moni. Ko te whakatau pūtea pai ka hāngai ki te māramatanga me te tūpato.
Kia Āta Whakaaro me te Whakataurite
I mua i te tango tarewa, ahakoa he aha te momo, he mea nui kia āta whakataurite i ngā kōwhiringa katoa e wātea ana ki a koe. Tirohia ngā reiti hua, ngā utu, me ngā herenga o ngā kaituku moni rerekē. Kia mārama ki te Reiti Paheko ā-Tau (RPT) katoa, ehara i te mea ko te reiti hua anake. He rereke ngā RPT, ā, ka tino piki te utu katoa o te tarewa.
Mārama ki ngā Utu Katoa
He mea nui kia mārama ki ngā utu katoa e piri ana ki te tarewa. Kei roto i ēnei ko ngā utu whakahaere, ngā utu mutunga, me ngā utu whiu mō te takamuri. He maha ngā tarewa poto, utu nui ka kaha te piki o te nama mena ka takamuri te utu. Pātai kia mārama ki te nui o te utu mena ka takamuri koe, me ngā huarahi e taea ai e koe te karo i aua utu.
Aromātai i Tō Kaha Utu
I mua i te tono tarewa, kia kaha ki te aromātai i tō kaha ki te utu i te tarewa i roto i te wā i whakaritea. He mea nui kia kaua e tango tarewa hei kapi i ētahi atu nama, hei utu rānei i ngā whakapaunga kāore e taea e koe te utu. Whakamahia he tahua moni hei whai i ō moni urutomo me ō whakapaunga kia mōhio ai koe ki te nui o te moni ka wātea ki a koe mō te utu tarewa.
Rapu Awhina Pūtea mēnā e Hiahia ana
Mēnā kei te pōuri koe mō tō tūnga pūtea, kei te uaua rānei koe ki te utu i ō nama, rapu awhina mai i tētahi kaiwhakatakoto tohutohu pūtea kore utu. He maha ngā ratonga tautoko pūtea i Aotearoa ka taea te āwhina i a koe ki te whakahaere i ō nama, ki te whai i ngā huarahi hei whakapai ake i tō hauora pūtea. Kia mahara, e kore e roa te utu, ka hinga, nō reira, he pai ake te rapu awhina i te wā e wāhi ana.
Kia Mōhio ki Ō Tika hei Kaihoko
I raro i te Ture Kirimana Utu me te Pūtea Kaihoko (CCCFA), he maha ō tika hei kaihoko. Me tuku e ngā kaituku moni ngā mōhiohio katoa e tika ana mō te tarewa i mua i tō hainatanga, me mahi hoki i runga i te tika. Mēnā kei te whakapae koe i takahia ō tika, ka taea e koe te whakapā atu ki Te Komihana Tauhokohoko, ki tētahi atu ratonga tautoko rānei.
Ahakoa kua kore a Ferratum NZ e tuku moni tarewa hou, ko tōna hītori me āna mahi i Aotearoa e whai kiko ana hei ako mō ngā kaihoko me te mākete pūtea whānui. Ko te māramatanga ki ngā mōrea me ngā painga o ngā moni tarewa matihiko, utu nui hoki, he mea nui mō te katoa o te iwi.
