He Whakarāpopototanga me te Hītori o te Pēke Heartland
Ko Heartland Bank Limited tētahi pēke kua rehitatia i raro i te mana o te Pūtea Rahui o Aotearoa (RBNZ), hei kaiwhiwhi putunga moni whai raihana mai i te tau 2012. He roa tōna hītori, i tīmata mai i te tau 1875 hei Ashburton Permanent Building & Investment Society. Nā ngā whakakotahitanga i te tau 2011 ka tipu hei Heartland Building Society, ā, i te tau 2013 ka huri tōna āhua ki te Heartland Bank Limited e mōhiotia nei i tēnei wā. He pēke motuhake tonu ia, ā, he āhei katoa nā Heartland Group Holdings Limited (NZX/ASX: HGH) i muri mai i te whakarerekētanga a te kaporeihana i te tau 2018.
Ko te tauira pakihi a Heartland Bank e arotahi ana ki ngā hua motuhake, e kiia ana he "pai rawa atu, kotahi anake" i roto i ngā wāhanga e toru. Tuatahi, ko te wāhanga
Ngā Hua Taurewa me ngā Utu a Heartland Bank
Ka tukuna e Heartland Bank ngā momo hua taurewa rerekē hei whakatutuki i ngā matea o te mākete o Aotearoa, me te aro nui ki te tere me te māmā o te tukanga matihiko.
Ngā Momo Taurewa
- Ngā Taurewa Whaiaro Kore-Haumaru (Unsecured Personal Loans): Ka taea te taurewa mai i te NZD 1,000 ki te NZD 100,000. Ko ngā reiti huamoni e rere ana i waenga i te 9.75% me te 29.95% ia tau. He pai tēnei mō te hunga e hiahia ana ki te pūtea tere mō ngā matea rerekē, engari kāore he rawa hei haumaru.
- Te Pūtea Waka Haumaru (Secured Vehicle Finance): He āhei mō ngā waka hou me ngā waka tawhito. Ko ngā reiti huamoni mō ngā waka hou e tata ana ki te 8.95% ia tau, engari mō ngā waka tawhito ka piki ki te 11% ki te 15% ia tau. He utu whakatuunga (establishment fee) o NZD 249 mēnā ka tono tika, engari NZD 112 mēnā mā tētahi kaiwhakaatu. He NZD 7.39 hoki mō te rēhitatanga PPSR.
- Ngā Mōkete Huri Whakamuri (Reverse Mortgages): He mea hoatu ki ngā rangatira whare neke atu i te 60 ō rātau tau. Ka taea e rātau te huri i te uara o tō rātau kāinga hei moni pūtea me te kore e hoko, e utu mōkete rānei. Ko ngā reiti huamoni e tata ana ki te 7% ki te 8% ia tau.
- Ngā Taurewa Pakihi (Business Loans): Ka taea te taurewa kore-haumaru ki te NZD 100,000, ā, me te haumaru wāhanga ki te NZD 250,000. Ka tere te whakatau, i roto i ngā hēkona, ā, ka whakatutukihia ngā moni i roto i ngā haora 48. Ko ngā reiti huamoni e rere ana i waenga i te 10% me te 16.75% ia tau, me te utu whakatuunga e hāngai ana.
Ngā Wā Taurewa me ngā Utu
Ko ngā wā taurewa mō ngā taurewa whaiaro me ngā taurewa waka e rere ana i waenga i te kotahi ki te whitu tau. Mō ngā pūtea rawa pakihi, ka taea te tae ki te 30 tau. Ka utua ngā moni matua me ngā huamoni ia marama. Mō ngā pakihi, he kōwhiringa hoki mō te nama hurihuri me te āheinga unuhanga anō.
I tua atu i ngā reiti huamoni, he mea nui kia mōhio ki ngā utu e piri ana. Ko te utu whakatuunga, e mōhiotia ana ko te utu whakahaere, he NZD 249 mēnā ka tono tika, engari he NZD 112 mēnā mā tētahi kaiwhakaatu. Mēnā ka takahia te utu, ka utua he whiu o te NZD 20 neke atu, me te huamoni takamuri me ngā utu kohinga. Ko te haumaru, pēnei i te taitara waka mō te pūtea waka, te mōkete rawa mō ngā mōkete huri whakamuri, me ngā taurangi whaiaro mō ngā taurewa SME kore-haumaru, ka hiahiatia i runga i te momo taurewa.
Te Tukanga Tono, te Taupānga Waea, me te Tūnga Ture
Ka tukuna e Heartland Bank tētahi tukanga tono e ngāwari ana, e tere ana, e hāngai ana ki te ao matihiko. Ko tōna tūnga ture e whakarite ana i te haumaru me te māia o ngā kiritaki.
Ngā Huarahi Tono me te Tukanga
Ka taea te tono taurewa mā te
I te wā o te tono, ka hiahiatia te manatoko tuakiri mā te tuku tuhinga ā-ipurangi. Ka hiahiatia hoki te nama IRD me te tohu wāhi noho mō ngā putunga moni. E tautoko ana te taupānga i te takiuru koiora (biometric login), pēnei i te Touch ID, Face ID rānei, hei whakangāwari i te uru ki te pūkete. Ka whakamahia e Heartland Bank ngā pūnaha whakatau aunoa me ngā tātari matatau hei aromatawai i te nama, me te arotake ā-ringa mō ngā tono nunui, motuhake rānei.
Ngā Āhuatanga o te Taupānga Waea me te Whakamahi
Ko te taupānga waea pūkoro a Heartland Bank e tuku ana i te huinga katoa o ngā hua. Ka taea e ngā kiritaki te takiuru mā te PIN, Touch ID, Face ID rānei. Ahakoa kei te whakawhanakehia tonu ngā āhuatanga whakahaere-whaiaro, he wāhi nui tōna ki te whakatere i ngā tono me te uru ki ngā mōhiohio pūkete. Heoi anō, kua kitea etahi urupare i runga i te App Store (3.4★ mai i ngā aromatawai 463) e whakaatu ana i ngā take ā-rorohiko me te iti o ngā ratonga whaiaro e wātea ana i tēnei wā.
Te Tūnga Ture me te Raihana
Kua rēhitatia a Heartland Bank hei pēke e te RBNZ mai i te tau 2012, ā, e ū ana ki ngā whakaritenga whakapaipai me te moni rere (liquidity) a te RBNZ. E mātakitakihia ana hoki e te Mana Whakahaere Mākete Pūtea (FMA) mō ngā paerewa whanonga. Kīhai anō he whiu ture tūmatanui i tukuna ki a ia i tēnei wā. E ū ana a Heartland Bank ki ngā kaupapa here tiaki kiritaki, me ngā kaupapa here mō ngā uauatanga pūtea, me te tuku hoki i ngā huarahi whakatau tautohetohe ā-waho mā te Financial Ombudsman Service (FOS).
Te Tūnga o Heartland Bank i te Mākete o Aotearoa me ngā Urupare Kiritaki
Ahakoa ehara i te mea ko ia te pēke nui rawa atu o Aotearoa, kua whai tūnga motuhake a Heartland Bank i roto i te rāngai pūtea, me tana aro ki ngā wāhanga mākete motuhake. He rereke hoki ngā urupare mai i ngā kiritaki, e whakaatu ana i ngā kaha me ngā wāhi hei whakapai ake.
Te Tūnga Mākete me ngā Kaiwhakataetae
He iti iho i te 3% te wāhanga o ngā rawa pēke a Heartland Bank i Aotearoa. Heoi, he kaihautū ia i roto i ngā mōkete huri whakamuri me te pūtea kararehe, e whakaatu ana i tōna kaha ki te noho rangatira i roto i ōna wāhanga motuhake. Ko ōna kaiwhakataetae nui ko ngā pēke nunui o Aotearoa pēnei i a ANZ, ASB, me BNZ, e rangatira ana i te pēke whānui. Kei reira anō hoki ngā kaiwhakataetae motuhake pēnei i a UDC mō te pūtea waka me Kiwibank mō te SME. Ko te rerekētanga nui a Heartland Bank ko tōna
Ngā Urupare me ngā Whakatauranga a ngā Kiritaki
Ko ngā urupare kiritaki e whakaatu ana i tētahi pikitia rerekē. I runga i Trustpilot, he 2.3★ (mai i ngā arotake 100) te whakatauranga, me ngā take e pānuitia ana e pā ana ki ngā raru ā-rorohiko i te wā o te rehitatanga, ngā takahanga o ngā putunga wā, me te puhoi o te ratonga. Mō te taupānga waea, he 3.4★ te whakatauranga i runga i te App Store, me ngā amuamu e pā ana ki ngā raru ā-rorohiko me te iti o ngā āhuatanga whakahaere-whaiaro. Ko ngā amuamu noa e pā ana ki te korenga o te takiuru koiora, te puhoi o te whakawhiti moni, me ngā utu ohorere i te wā o te whakawehenga mōkete huri whakamuri.
Heoi anō, he maha hoki ngā kōrero angitu, otirā e pā ana ki ngā mōkete huri whakamuri. Kua āwhina tēnei hua i ngā kaumātua ki te whakanui i tō rātau moni rere me te whakamahi i te uara o tō rātau kāinga me te kore e nuku. Ko te pūtea mahi a Heartland Bank i te haurua tuatahi o te tau 2025 i tae ki te NZD 241 miriona te whiwhinga moni me te NZD 48 miriona te hua mō te kupenga. Tata ki te NZD 4 piriona te tapeke o ngā moni taurewa, me te 15.2% te ōwehenga CET1 (Dec 2024), e whakaatu ana i te pūmautanga o te pēke.
He Tohutohu Whaihua mō te Hunga E Hiahia Ana ki te Taurewa
Hei whakatau mōhio e pā ana ki te tango taurewa mai i Heartland Bank, he mea nui kia whai whakaaro ki ngā tohutohu e whai ake nei:
- Aromatawaihia ō Matea: Āta whakaarohia te take e hiahia ana koe ki te taurewa me te nui o te moni e tino hiahiatia ana e koe. Kia mārama hoki ki te momo taurewa e pai ana ki ō ahuatanga.
- Whakatauritea ngā Reiti Huamoni: Ahakoa he pai ngā reiti a Heartland Bank mō ētahi hua, he mea nui kia whakatauritea ki ērā atu kaiwhakarato i te mākete. Tirohia ngā reiti i runga i ngā paetukutuku whakataurite, me te panui hoki i ngā kōrero iti.
- Mārama ki ngā Utu Katoa: I tua atu i te huamoni, kia tino mōhio ki ngā utu whakatuunga, ngā utu whakahaere, me ngā whiu mō te takahanga utu. He nui te rerekētanga o ēnei utu i runga i te momo taurewa.
- Pānuitia ngā Tikanga me ngā Here: Kia tino mārama ki ngā tikanga utu, te wā o te taurewa, me ngā herenga katoa. Mēnā he taurewa haumaru, kia mōhio ki ngā herenga e piri ana ki te rawa haumaru.
- Whakaarohia te Wheako Kiritaki: Ahakoa te pai o ngā reiti, he mea nui hoki te pai o te ratonga. Panuitia ngā urupare a ngā kiritaki (pēnei i Trustpilot me ngā arotake taupānga) kia mōhio ai koe ki ngā wheako o te hunga kua whakamahi kē i ngā ratonga a Heartland Bank. Me whai whakaaro ki ngā amuamu noa e pā ana ki te ratonga me ngā raru ā-rorohiko.
- Whakamahia ngā Ratonga Niche: Mēnā kei te rapu koe i tētahi mōkete huri whakamuri, i te pūtea kararehe rānei, he kaha rawa a Heartland Bank i ēnei wāhanga. Heoi, mō ngā taurewa whānui, he pai kia whānui te tirohanga.
- Whakamahia ngā Huarahi Matihiko: Mēnā he pai ki a koe te whakahaere i ō pūtea mā te taupānga, te paetukutuku rānei, he pai rawa a Heartland Bank mō tēnei. Heoi, ki te hiahia koe ki te tautoko ā-tinana, kia mōhio kei te iti ngā peka.
He pēke matihiko a Heartland Bank e tuku ana i ngā rongoā pūtea motuhake me te aro nui ki te tere me te māmā. Mā te mārama ki ōna ratonga, ōna utu, me ōna kaha, ka taea e koe te whakatau pai mō tō heke mai pūtea.
