He Tirohanga Whānui me te Horanuku o te Kamupene i Aotearoa
Ko Lending Crowd Limited tētahi kamupene i Aotearoa i arataki i te mara o te tuku moni mai i te tangata ki te tangata (P2P), e honohono ana i ngā kaiwhakarato moni me ngā kaihopu moni. I whakatūria i te tau 2013, ā, i whakahaerehia e Te Mana Whakahaere Mākete Pūtea (FMA) o Aotearoa. Ko te tau NZBN o te kamupene ko 9429030047242, ā, ko te tau kamupene ko 4668542. I rēhitatia i te 24 o Mahuru 2013 hei kamupene herenga iti o Aotearoa. He raihana P2P tōna i whakawhiwhia i te 9 o Whiringa-ā-nuku 2015, ā, ko tana tau FSP ko FSP390986. Ahakoa kei te kaha tonu tana raihana, he mea nui kia mōhio mai i te Whiringa-ā-rangi 2023, kua mutu te tuku moni taurewa hou e Lending Crowd. Ko te aronga ināianei ko te whakahaere me te whakatutuki i ngā kirimana tarewa o nāianei.
He āhuatanga motuhake tō Lending Crowd i tana tauira pakihi; i mahi hei mākete e whakataurite ana i ngā kaiwhakarato moni hokohoko e rapu hua ana i runga i ngā herenga wā, me ngā kaihopu moni, ahakoa he tāngata takitahi, he pakihi iti me te rahi (SME rānei), e rapu pūtea ana. Ko ngā tāngata takitahi e rapu tarewa whaiaro kāore he haumarutanga ka taea te tono i waenga i te $2,000 me te $50,000 NZD. Mō ngā pakihi SME, i tukuna ngā pūtea tarewa me te haumarutanga, kāore rānei, mai i te $5,050 ki te $200,000 NZD. He tino tūnga tō te kamupene i te mākete P2P o Aotearoa, ā, ko ia tētahi o ngā kaihautū o mua i roto i tēnei mara. He āhuatanga nui te pakihi nā te mea he apiti katoa nō Finance Direct Limited, tētahi atu rōpū whai raihana FMA.
Ahakoa kua huri tana aronga, he mea whai take tonu te mōhio ki tana hītori me āna mahi i mua. I raro i te maru o Finance Direct, i whakatūria a Lending Crowd kia whai wāhi ai ngā kaipupuri moni ki te whānui o ngā taonga pūtea, me te tuku huarahi ki ngā kaihopu moni kia uru atu ki te pūtea i waho o ngā pēke tuku iho. Ko tēnei tauira i whakanui i te whakataetae i te rāngai tuku moni i Aotearoa, ā, i whai hua mō ngā rōpū e rua mā te tuku huarahi ngāwari ake, tere ake hoki i ētahi wā.
Ngā Hua Tarewa me ngā Ratonga i Tukuna e Lending Crowd Limited
I mua i te katinga o ngā tono hou, i tukuna e Lending Crowd ngā momo tarewa e rua: ko ngā tarewa whaiaro kāore he haumarutanga me ngā tarewa pakihi me te haumarutanga, kāore rānei. Ko te whānuitanga o ēnei tarewa i hangaia hei whakatutuki i ngā hiahia pūtea rerekē o te hunga whaiaro me ngā SME puta noa i Aotearoa. Kei raro nei ngā taipitopito o ēnei hua me āna herenga.
Ngā Tarewa Whaiaro Kāore he Haumarutanga
- Ngā Moni Tarewa: I waenga i te $2,000 me te $50,000 NZD, i roto i ngā pikinga o te $50 NZD.
- Ngā Herenga: Ka taea e ngā kaihopu moni te kōwhiri i ngā herenga o te 2, 3, 5 tau rānei.
- Ngā Reiti Hua: Ko ngā reiti i rereke mai i te 6.49% ki te 16.99% p.a., i runga i te kōeke nama o te kaihopu moni. He reiti taurangi tēnei i whakatauhia e te tauira tūraru a Lending Crowd.
Ngā Tarewa Pakihi me te Haumarutanga
- Ngā Moni Tarewa: Mai i te $5,050 ki te $200,000 NZD.
- Ngā Herenga: Pērā i ngā tarewa whaiaro, ka taea te kōwhiri i ngā herenga o te 2, 3, 5 tau rānei.
- Ngā Reiti Hua: He ōrite ngā reiti ki ngā tarewa whaiaro, arā, i waenga i te 6.49% me te 16.99% p.a., i runga i te kōeke nama me te ahua o te haumarutanga.
- Ngā Whakaritenga Haumarutanga: Mō ngā tarewa pakihi, otirā ngā tarewa nui ake i te $5,050, i te nuinga o te wā ka hiahiatia he haumarutanga rawa, pēnei i te whenua noho, whenua arumoni, taputapu rānei. Ka taea hoki te tono here pūtea whaiaro mō ngā kaiwhakahaere.
Ngā Utu me ngā Herenga Motuhake
He mea nui kia mārama ki te hanganga utu me ngā herenga i tukuna e Lending Crowd:
- Utu Whakarite (Origination Fee): Ka eke ki te 6% o te moni tarewa mō ngā tono tika. He utu tēnei e hipoki ana i ngā utu whakahaere o te whakatū i te tarewa.
- Utu Broker/Referred Loan Fee: Mō ngā tarewa i tukuna mai e ngā hoa mahi, ka whakanuia he komihana anō ki roto i te reiti hua, e tukuna ana ki te kai-takawaenga.
- Utu Whakaroa Utu: Ahakoa kāore i te tino whakatakotoria te utu tika, ko te tikanga i roto i te rāngai P2P ko te $20 ki te $50 NZD mō ia utu i hapa.
- Utu Whakatina Wawe: Kāore he utu mō te whakatina wawe i te tarewa, mena he rite, he nui ake rānei te utu kotahi i te $5,000 NZD. He āhuatanga pai tēnei mō ngā kaihopu moni e hiahia ana ki te whakaheke i a rātou nama tere.
Ko ngā utu tarewa i utua ia marama, i runga i te rārangi whakakore, kia ngāwari ai te whakahaere i ngā pūtea a ngā kaihopu moni. Ko te kaha ki te tuku i ngā momo hua e rua – whaiaro me te pakihi – me ngā kōwhiringa haumarutanga ngāwari, i whakatauhia a Lending Crowd hei kaiwhakarato pūtea whai take i te mākete o Aotearoa.
Te Tukanga Tono, Taupānga Waea, me te Whakamahi
I mua i te katinga o ngā tono hou i te Whiringa-ā-rangi 2023, he tukanga tono ngāwari tō Lending Crowd i te nuinga o te wā i whakahaerehia i runga ipurangi. Ahakoa kua kore e wātea mō ngā kaihopu moni hou, he mea whai take tonu kia mōhio ki te hōrapa o ngā mahi me ngā āhuatanga i tukuna.
Te Tukanga Tono (i mua)
I te nuinga o te wā, i whakahaerehia ngā tono tarewa mā te tomokanga tono ipurangi i runga i te paetukutuku mana a Lending Crowd. I wātea anō te tautoko mā te īmēra ([email protected]) me te waea (0800 308 002) mō ngā pātai me te āwhina. Ko te tari matua kei Level 2, 206 Jervois Road, Herne Bay, Tāmaki Makaurau, Aotearoa.
KYC (Kia Mōhio ki Tō Kiritaki) me te Whakauru
He mea nui te tukanga KYC me te whakauru ki te whakarite i te haumarutanga me te whakatutukitanga. I roto i tēnei tukanga, i tono a Lending Crowd i ngā tuhinga e whai ake nei:
- Te Whakamana Tuakiri: He raihana taraiwa o Aotearoa, he uruwhenua rānei.
- Te Uara Wāhitau: He pire ratonga (pēnei i te pire hiko, waea rānei) hei tohu wāhitau.
- Te Whakamana Moni Whiwhi: Ngā tauākī pēke, ngā rekoata tāke rānei hei whakapūmau i te kaha ki te utu.
- Te Tirotiro Hītori Nama: He tirotiro nama mā ngā tari nama o Aotearoa.
Te Tātai Nama me te Tauira Tūraru
I whakamahia e Lending Crowd tētahi tauira tūraru motuhake hei tātai i te kaha nama o ngā kaihopu moni. I roto i tēnei tauira i tātarihia ngā āhuatanga pēnei i te tātari rerenga moni, te kaha whakahaere (mō ngā pakihi), te āhuatanga o te tāngata, te tūraru o te rāngai ahumahi, me te hītori nama o te kaiwhakahaere/kaihopu moni. I whakawhiwhia ngā tarewa ki ngā kōeke tūraru mai i te A1 ki te B2, ā, he reiti hua motuhake tō ia kōeke.
Ngā Tikanga Whakawhiti Moni
Mō ngā tarewa i whakaaetia, i whakawhitia tika te moni ki te pūkete pēke o te kaihopu moni i Aotearoa. Ko te tikanga ka tae te moni i roto i te 1 rā mahi (T+1). Kāore he tikanga whakawhiti moni waea pūkoro, moni mai rānei i tukuna.
Te Taupānga Waea Pūkoro me te Paetukutuku
Kāore a Lending Crowd i whai taupānga waea pūkoro motuhake. Engari, i uru atu ngā ratonga katoa mā te paetukutuku whakahoki urupare (responsive web platform). Ko te tikanga ka taea te whakamahi i te paetukutuku i runga i ngā momo pūrere katoa, tae atu ki ngā waea pūkoro me ngā papa. Ahakoa kua katia te paetukutuku mana (lendingcrowd.co.nz) mō ngā pakihi hou, kei te mahi tonu hei tautoko i ngā kirimana o nāianei.
Ko te ngāwari o te tukanga tono ipurangi me te aro ki ngā whakaritenga KYC pakari i whakarite i te tūāpapa kia tū tika, kia whai mana hoki i roto i te rāngai tuku moni mamati. Mō ngā kaihopu moni o nāianei, kei te wātea tonu ngā hongere tautoko ki te whakahaere i a rātou tarewa.
Te Tūnga Whakariterite, Raihana, me te Tūnga i te Mākete
He mea nui te tūnga whakariterite me te raihana mō te Lending Crowd Limited, i te mea he kamupene pūtea e mahi ana i Aotearoa. I whakahaerehia e te FMA, i raro i te Ture Whakahaere Mākete Pūtea 2013, he tino whakaritenga pakari tōna ki te whakarite i te tika, te mārama, me te tiaki i ngā kaihoko. Ko tēnei tūnga i whakawhiwhia ki a Lending Crowd te mana ki te mahi, me te whakatū i te whakapono i waenganui i ngā kaipupuri moni me ngā kaihopu moni.
Te Tūnga Raihana me te Tirotiro
He kaiwhakarato P2P raihana a Lending Crowd i raro i te Ture Whakahaere Mākete Pūtea 2013. Ko te tikanga tēnā, i raro i te tirotiro o te FMA, ā, i hāngai ki ngā whakaritenga pūrongo me te whakaaturanga i ia wā. Ko te aro turuki a te FMA i whakarite kia tutuki te kamupene ki ngā paerewa teitei rawa atu o te whakahaere me te tiaki kiritaki. Kia tae ki te Mahuru 2025, kāore he rekoata tūmatanui mō ngā mahi whakahaere, ngā whiu rānei i tukuna ki a Lending Crowd, e tohu ana i te hītori whakatutukitanga pai.
Ngā Tikanga Tiaki Kiritaki
Hei tiaki i ngā kaihopu moni me ngā kaipupuri moni, i whakatakoto a Lending Crowd i ngā tikanga matua e whai ake nei:
- Te Whakaaturanga Mārama: Te whakaaturanga mārama o ngā utu katoa me ngā herenga o te tarewa.
- Ngā Whakatūpato Tūraru: Te whakatupato i ngā kaipupuri moni me ngā kaihopu moni mō ngā tūraru e piri ana ki ngā tarewa P2P.
- Te Tukanga Whakatau Tohe: He tukanga amuamu mā te kaupapa whakatau tohe a Finance Direct, e whakarato huarahi ana mō te whakatau take.
Te Tūnga i te Mākete me te Whakataetae
Ko Lending Crowd tētahi o ngā pūhanga P2P raihana e waru i Aotearoa. I te waenganui o te tau 2022, i puritia e ia te tata ki te 22.7% o te uara tarewa kāore anō kia utua i roto i te rāngai P2P, ā, ko ia te kaiwhakarato P2P tuarua nui rawa atu mā te rahi o te kōpaki tarewa (i muri i a Harmoney). Ko tēnei tūnga i tohu i te mana nui o Lending Crowd i te mākete.
Ko ētahi o ngā kaiwhakataetae matua i te mākete P2P o Aotearoa ko Harmoney, Squirrel Money, Southern Cross Partners, Crowdsphere, Zagga, me PledgeMe. I wehewehe a Lending Crowd i a ia anō mā te aronga rua ki ngā tarewa whaiaro me ngā SME, ngā kōwhiringa haumarutanga ngāwari, me ngā reiti whakataetae i runga i ngā kōeke tūraru. Heoi anō, kua rerekē te rārangi tipu o te pūhanga i muri i ngā hekenga reiti OCR i muri i te tau 2020, ā, i te Whiringa-ā-rangi 2023 i kīia kua mutu te tuku pakihi hou ki te aro ki te whakakotahitanga o te kamupene matua.
He mea nui te mahi tahi me ngā hoa mahi pēnei i ngā kaihoko waka me ngā takawaenga mokete, tae atu ki te hono tahi me Finance Direct mō ngā ratonga kaitiaki, i te tautoko i tana whakahaere me tana horapa i te mākete.
Ngā Arotake Kaihoko me ngā Tohutohu Whaihua mō ngā Kaihopu Moni
Ko te wheako kiritaki me te tūnga o Lending Crowd i te mākete ka taea te mōhio mā ngā arotake a ngā kaiwhakamahi me te tirohanga whānui ki te rāngai. Ahakoa kua mutu te tuku moni tarewa hou, he wāhi ako tonu tana hītori mō ngā kaihopu moni o nāianei me te hunga e whakaaro ana ki te P2P hei huarahi pūtea i Aotearoa.
Ngā Arotake me ngā Amuamu noa
He rerekē ngā arotake a ngā kaipupuri moni i a Lending Crowd. I te MoneyKing, i kitea te Net Average Return (NAR) a ngā kaipupuri moni i te hītori tata ki te 11.95%, ā, i kitea ngā utu kaipupuri moni he pai. Heoi, i roto i ngā kōrero a Reddit, he rerekē ngā whakaaro a ngā kaipupuri moni; i mōhiotia te pūmautanga o te pūhanga, engari he iti ake te nui o ngā tarewa i tō ētahi atu kaiwhakataetae.
Ko ētahi o ngā amuamu noa ko te utu tarewa takawaenga, e eke ana ki te 25% o te hua, i kitea he nui rawa e ētahi kaipupuri moni. I tua atu, he iti te nui o ngā kaihopu moni i ngā tau i muri mai, he take hoki. Ko te panuitanga o te katinga ki ngā pakihi hou i te Whiringa-ā-rangi 2023 i whakama i te hunga i hoki mai, i rapu tarewa anō rānei.
Te Kounga Ratonga Kiritaki
I tukuna te tautoko kiritaki mā te īmēra me te waea. Ko te tukanga whakauru i whakahaerehia e tētahi rōpū tautoko nama motuhake. Ahakoa ngā amuamu, he maha ngā pakihi iti me te rahi i whakanui i te tere o te pūtea, i te nuinga o te wā i roto i te 24-48 haora mō ngā tono kua whakaaetia me te nama pai. Ko tēnei tere tētahi tohu o te pai o te ratonga mō te hunga i whiwhi tarewa.
Ngā Tohutohu Whaihua mō ngā Kaihopu Moni
Ahakoa kua kore a Lending Crowd e tuku tarewa hou, he maha ngā akoranga ka taea te tango mai i tana tauira me tana hītori, he mea whai take mō ngā kaihopu moni o nāianei (ki Lending Crowd) me te hunga e titiro ana ki ētahi atu pūhanga P2P i Aotearoa:
- Māramahia ngā Herenga: Mēnā he tarewa tōu ki Lending Crowd, me tino pānui me te mārama ki ngā herenga o tō kirimana. He mea nui kia mōhio ki ngā reiti hua, ngā utu, me te wā mutunga utu.
- Whakataurite i ngā Kōwhiringa: Mō te hunga e rapu tarewa ana ināianei, me whakataurite tonu i ngā tuku a ngā kaiwhakarato P2P rerekē me ngā pēke tuku iho. Tirohia ngā reiti hua, ngā utu katoa (tae atu ki ngā utu whakarite, utu whakaroa, me ngā utu whakatina wawe), me ngā whakaritenga haumarutanga.
- Te Nama Hōtika: Me tono anake i ngā moni e tino hiahiatia ana e koe, ā, kia mōhio ka taea e koe te utu i roto i te wā i whakaritea. Ko te whakahaere pūtea pūmau he mea nui.
- Te Aro ki te Kōeke Nama: Ko te kōeke nama he mea nui ki te whakatau i te reiti hua ka riro i a koe. He mea pai kia mau tonu te nama pai mā te utu i ngā pire i te wā tika.
- Pānuihia ngā Arotake: Rapua ngā arotake a ngā kiritaki mō ngā kaiwhakarato tarewa. Heoi, kia maumahara, he rerekē ngā wheako, ā, me titiro ki te pikitia whānui.
- Kia Mōhio ki te Raihana: Me mōhio kei te whai raihana te kaiwhakarato tarewa i te FMA, pērā i a Lending Crowd i mua. Ka whakarite tēnei i te taumata o te tiaki me te whakatutukitanga.
Ahakoa kua hurihia e Lending Crowd tana huarahi pakihi, ko tana hītori hei kaiwhakatere P2P i Aotearoa ka noho tonu hei tauira mō te whanaketanga o te rāngai pūtea mamati, ā, e whakarato ana i ngā akoranga nui mō ngā kaihopu moni katoa.
