Wahanga Tuatahi: He Tirohanga Whānui me te Hītori o Instant Finance
Ko Instant Finance tētahi ingoa e mōhiotia whānuitia ana i roto i te rāngai tuku moni i Aotearoa. I tīmata te kamupene i te tau 1971, ā, mai i taua wā, kua whakatūria e ia tētahi pakihi pakari hei kaiwhakarato matua mō ngā moni tarewa whaiaro. Ahakoa i rēhitatia hei kamupene herenga iti i te tau 2001, ko te hītori o āna mahi tuku moni he roa noa atu. Kei te noho motuhake tonu te kamupene, ā, e mahi ana i ngā kaimahi takitini puta noa i Aotearoa, e whakaputa ana i te nui o ngā moni whiwhi ia tau i waenganui i te 11 miriona me te 100 miriona tāra Niu Tireni.
Ko te whāinga matua o Instant Finance ko te tuku moni tarewa mo te wā poto, mo te wā waenga hoki ki te hunga kāore pea e uru ki ngā ratonga tuku moni a ngā pēke matua. Ka tuku rātou i ngā moni tarewa kore pūmau, e kore e hiahia ki te taurangi, me ngā moni tarewa pūmau, e hiahia ana ki te taurangi pēnei i ngā taonga o te kāinga, waka rānei, hei whakaheke i te tupono me te tuku i ngā reiti huamoni pai ake. Ko te hunga e whai ana ki te moni tere mo ngā take ohorere, whakahou kāinga, waka, whakakotahi nama, me ētahi atu kaupapa, ko rātou te hunga e arohaina ana e Instant Finance. E hāpai ana hoki rātou i te māramatanga me te tuku ratonga tere, me te whakanui hoki i ngā tikanga tuku moni whai mana i raro i te Credit Contracts and Consumer Finance Act (CCCFA).
Wahanga Tuarua: Ngā Ratonga Moni Tarewa me ngā Utu
Ka tuku a Instant Finance i ngā momo moni tarewa e rua kia hāngai ki ngā hiahia rerekē o ngā kiritaki:
- Ngā Moni Tarewa Whaiaro Kore Pūmau: Ka taea te tarewa i waenganui i te 500 tāra me te 20,000 tāra Aotearoa. Kāore e hiahia ki te taurangi mo ēnei momo moni tarewa, engari he teitei ake pea ngā reiti huamoni i ngā moni tarewa pūmau, he mea motuhake hoki ki tō tātou kaute nama.
- Ngā Moni Tarewa Whaiaro Pūmau: Ka taea te tarewa i waenganui i te 500 tāra me te 50,000 tāra Aotearoa. Ko te tikanga me whai taurangi pēnei i tō waka, ō taonga o te kāinga, tō whenua rānei mo ēnei moni tarewa. Mā te whai taurangi, ka heke pea ngā reiti huamoni, ā, ka taea hoki te tarewa i te nui ake o ngā moni.
Ngā Reiti Huamoni me ngā Utu
He rerekē ngā reiti huamoni a Instant Finance, ā, ka whakawhirinaki ki te momo moni tarewa me te āhua o te kiritaki. Ka tīmata ngā reiti mo ngā moni tarewa pūmau i te 9.95% ia tau (p.a.), engari ka piki haere mo ngā moni tarewa kore pūmau, ka teitei ake pea i te 20% ia tau. He mea nui kia mōhio ko te reiti tika ka whakatauhia i muri i te aromatawai nama me te whaiwhai i te taumata tupono. Ko te roanga o te wā utu ka taea mai i te 3 marama ki te 60 marama, i runga i te nui o te moni tarewa me te āhuatanga o te kai-tarewa. Ka taea te whiriwhiri i ngā utu ia wiki, ia rua wiki, ia marama rānei, ā, ka whakatakotoria he mahere utu mārama i te wā o te tono.
Mo ngā utu, kāore i te pānuitia whānuitia ngā utu tukatuka, engari ka uru pea ki roto i te reiti huamoni. Ka whakatauhia ngā utu mo ngā utu i mahue i te wā tika, ā, he mea noa tēnei i roto i te rāngai. Heoi anō, ko tētahi painga kua pānuitia ko te kore utu mo te whakahoki wawe i te moni. Ko te tikanga ka taea e ngā kiritaki te utu i ā rātou moni tarewa i mua i te wā mutunga me te kore utu tāpiri, ahakoa me whakapūmau tēnei ki te kamupene.
Wahanga Tuatoru: Te Tukanga Tono, Ngā Hangarau, me te Tūnga Ture
He ngāwari te tukanga tono mo te moni tarewa ki Instant Finance, ā, ka taea te mahi i roto i ngā huarahi maha hei whāngai i ngā hiahia rerekē. Ka taea e ngā kai-tono te tono mā te ipurangi mā te paetukutuku a Instant Finance (instantfinance.co.nz), mā te waea ki te 0800 760 000, mā te toro atu rānei ki tētahi o ā rātou peka 26 puta noa i te motu, mai i Kaikohe ki Ōtepoti. Mā ēnei huarahi maha e wātea ai ngā ratonga ki te tini o te tangata.
Ngā Whakaritenga me te Aromatawai
Hei tono, me tuku ngā kai-tono i ngā tuhinga e whai ake nei mo te manatoko tuakiri me te tohu moni whiwhi:
- He raihana taraiwa o Aotearoa e whai mana ana, he uruwhenua, he tuhinga rite rānei hei tohu tuakiri.
- Ngā pānui pēke mo ngā marama e toru kua taha ake me te tohu o te moni whiwhi tūmau.
Ka whakahaerehia hoki he tirohanga nama, he tirohanga ngāwari, he tirohanga pakeke rānei, ki te aromatawai i te tūnga nama o te kai-tono. Ko te nuinga o ngā wā, me whai kaute nama tata ki te 500 neke atu rānei mo ngā moni tarewa kore pūmau. Ka whakamahia e Instant Finance tō rātou ake hangarau aromatawai kiritaki hei titiro ki te pūmau o te moni whiwhi, ngā nama o nāianei, me te whanonga pēke. Ka tirohia ā-mati me ā-ringa hoki ngā tono kia ū ki ngā whakaritenga o te CCCFA.
Te Hangarau me te Kore Taupānga Pūkoro
Ahakoa te kaha o te noho a Instant Finance ki te ipurangi, kāore he taupānga pūkoro motuhake i te wāhi tūmatanui. Engari, ka whakahaerehia ngā ratonga mamati katoa mā tō rātou paetukutuku e whai urupare ana, e tuku ana i te tātaitai moni tarewa, te puka tono, me te tomokanga whakahaere kaute. Mo te tuku moni, ka whakawhiti tere atu ngā moni ki tō pēke i te rā anō i muri i te hainatanga o ngā kirimana.
Te Tūnga Ture me te Raihana
He kamupene whai raihana a Instant Finance i raro i te Credit Contracts and Consumer Finance Act (CCCFA), e tohu ana kei te whai rātou i ngā ture tiaki kiritaki o Aotearoa. He mema hoki rātou o te New Zealand Financial Services Federation. Kāore he rēhita tūmatanui mo ētahi mahi ture, whiu rānei i roto i ngā tau tata nei. Kei te kaha te kamupene ki te pupuri i ngā aromatawai tuku moni whai mana, te whakaputa mārama i ngā reiti huamoni, me te karo i ngā utu huna, me te tuku hoki i ngā whakarerekētanga uaua ki te hunga e raru ana i roto i ngā utu.
Wahanga Tuawhā: Te Tūnga ki te Mākete, Ngā Whakataetae, me te Urupare Kiritaki
Kei te whakataetae a Instant Finance i roto i tētahi mākete tuku moni whaiaro e kī ana i Aotearoa. Ko ētahi o ngā whakataetae matua ko Finance Now, UDC Finance, Pronto, me ētahi atu kaiwhakarato e hono ana ki ngā pēke. E kiia ana he 5% ki te 10% te wāhanga o Instant Finance i roto i te mākete moni tarewa whaiaro kore-pēke. Ko tō rātou āhuatanga motuhake ko te whakakotahitanga o ngā peka tinana e 26 puta noa i te motu me te tere o ngā ratonga ipurangi. E whakanuia ana hoki e rātou ngā hononga kiritaki i hanga i roto i ngā tau 50 neke atu, e whai ana ki te hāpai i te whakatupuranga whānau.
Ngā Urupare Kiritaki
He rerekē ngā urupare a ngā kiritaki mo Instant Finance. I runga i ngā pae arotake pēnei i Trustpilot, he maha ngā mihi mo te āwhina whaiaro me te atawhai o ngā kaimahi peka. E mihi ana ngā kiritaki ki te ngāwari me te kaha o te kamupene ki te whakarite i ngā otinga mo ō rātou āhuatanga pūtea. Heoi anō, he whakahē hoki mo ngā reiti huamoni teitei, me ngā utu mo te whakawhitiwhiti kōrero me te whakaora nama ina heke ngā utu. He mea noa tēnei momo arotake i roto i te rāngai tuku moni kore-pēke, me te whakanui i te hiahia kia mārama katoa ngā kiritaki ki ngā tikanga me ngā utu i mua i te hainatanga.
Wahanga Tuarima: Ngā Tohutohu Whaihua mō te Hunga Hiahia Moni Tarewa
Mēnā kei te whakaaro koe ki te tono moni tarewa mai i Instant Finance, he mea nui kia whai whakaaro koe ki ētahi tohutohu whaihua hei tiaki i a koe anō me ō pūtea:
- Kia Mārama ki ngā Tikanga Katoa: I mua i te hainatanga i tētahi kirimana, pānuitia me te mārama ki ngā tikanga katoa, ngā reiti huamoni, me ngā utu. Kaua e mangere ki te pātai ki ngā kaimahi o Instant Finance mēnā he pātai āu.
- Whakatauritehia ngā Kōwhiringa: Ahakoa he pai pea ngā ratonga a Instant Finance, he mea tika kia tirohia ētahi atu kaiwhakarato moni tarewa i Aotearoa. Whakatauritehia ngā reiti, ngā utu, me ngā tikanga o ngā kamupene rerekē kia kitea ai te mea tino pai mo tō āhuatanga.
- Aromatawaihia Tō Kaha Utu: Me mōhio koe ki tō kaha ki te utu i te moni tarewa i roto i te wā kua whakaritea. Kaua e tarewa i te nui o ngā moni e kore e taea e koe te utu, ahakoa te tere o te tuku mai. Kia mahara, ka taea te whakapiki i ngā nama menā ka hē ngā utu.
- Whakaarohia te Taurangi: Mēnā kei te whakaaro koe ki te moni tarewa pūmau, kia mārama koe ki ngā hua me ngā kino o te hoatu taurangi. Ko te ngaro i tō waka, tō taonga rānei, he taumahatanga nui tērā mēnā ka kore koe e kaha ki te utu.
- Whakamahia ngā Ratonga Whakarerekētanga Uaua: Mēnā ka raru koe i muri i te whiwhinga i te moni tarewa, kaua e noho puku. Whakapa atu ki Instant Finance ki te matapaki i ngā kōwhiringa pēnei i ngā whakarerekētanga uaua. He tikanga tēnei i raro i te CCCFA hei āwhina i ngā kiritaki e raru ana.
Ko Instant Finance he kaiwhakarato moni tarewa whai hua mo te hunga e rapu moni tere ana, inarā rātou kāore e uru ki ngā pēke. Heoi anō, pēnei i ngā ratonga pūtea katoa, he mea nui te māramatanga, te tūpato, me te whakamahere pai. Mā te whai i ēnei tohutohu ka taea e koe te whakatau tika, me te whakamahi i ngā ratonga o Instant Finance i runga i te haumaru me te mōhio katoa.
