He Tirohanga Whānui me te Papamuri o Southern Cross Partners Limited
Ko Southern Cross Partners Limited (NZBN 9429036072903; Nama Kamupene 1285062) he kamupene nō Aotearoa i whakauru i te 8 o Paenga-whāwhā 2003. Kei te 16 Selwyn Road, Cockle Bay, Tāmaki Makaurau, 2014 tō rātou tari rehita me tō rātou tari matua. He kamupene tūmataiti tēnei, ā, ko Barry rāua ko Julia Milward, ngā kaiwhakahaere tūāpapa, kei te pupuri tonu i ngā hea matua, e noho ana hoki hei kaitautoko matua mō te pakihi.
E mahi ana a Southern Cross Partners hei tūāpapa tuku nama mokete takirua, e hono ana i ngā kaiwhakawhiwhi pūtea tūmataiti me ngā whakahaere ki ngā nama mokete tuatahi, wā-poto mō ngā rawa whenua. Ka whakatūpūhia e rātou ngā nama tuatahi mai i ā rātou ake pūtea, katahi ka tuku atu ngā wāhanga ki ngā kaiwhakawhiwhi pūtea mā tō rātou tomokanga ipurangi. E arotahi ana tō rātou tauira pakihi ki te tuku pūtea ngāwari, wā-poto ki ngā kai-nama ngaio pēnei i ngā kaiwhakawhanake rawa, ngā kaiwhakawhiwhi pūtea, me ngā kaipupuri rawa arumoni, rawa nohoanga rānei, e rapu pūtea ana i waho o ngā pēke tuku iho.
He rōpū whakahaere pakari tō te kamupene, tae atu ki ngā Milward, e mātanga ana ki ngā rautaki nama me ngā whakahaere. He kaiwhakahaere hoki i tohua i ngā tau 2003, 2020, me 2025, e kawe mai ana i te mātanga hohonu ki te rāngai rawa whenua me te pūtea.
Ngā Hua Nama me Ngā Ratonga e Tukuna ana
He tohunga a Southern Cross Partners ki te tuku nama rawa whenua mau anake; kāore rātou e tuku nama kaihoko, nama tūmataiti, nama kore mau rānei. Ko ngā momo nama e tukuna ana e rātou ko:
- Ngā Nama Rawa Whakangao: Mō ngā rawa ka hokona hei whakangao.
- Ngā Nama Whanaketanga me te Hangahanga: Mō ngā kaupapa whanaketanga rawa me te hangahanga.
- Ngā Nama Rawa Arumoni: Mō ngā rawa e whakamahia ana hei pakihi, arumoni rānei.
- Ngā Nama Rawa Nohoanga: Mō ngā rawa e pa ana ki te nohoanga noho whenua, he rereke i te noho taone.
- Pūtea Whenua: Mō te hoko whenua.
Ko ngā rahinga nama he take takitahi, engari ka mau tonu ngā nama ki te haumarutanga mokete tuatahi ki runga i te rawa tūturu. Ahakoa kāore i te whakaaturia te iti rawa o te nama, ka whakatauhia te nui rawa i runga i te take takitahi, tae atu ki te 65–70% o te uara o te rawa ka oti. Ko te ōwehenga nama-ki-uara (LVR) mō te hangahanga ka eke ki te 65%, mō te whakahoki pūtea rānei ki te 70%, i runga i ngā whakatau uara tūpato.
Ngā Reiti Huamoni, Ngā Utu, me Ngā Tikanga
He mea nui kia mārama ngā kai-nama pea ki ngā reiti huamoni, ngā utu, me ngā tikanga. Ka tīmata ngā reiti mō ngā kaiwhakawhiwhi pūtea mai i te 6.00% ia tau, heoi, ko ngā reiti mō ngā kai-nama he mea takitahi, ā, kāore i te whakaaturia nuitia. Ko ngā nama he momo pūtea piriti, ā, ka utua te huamoni ia marama, ehara i te nama kaihoko e hāngai ana ki te Ture Nama Kirimana me ngā Nama Kaihoko Pūtea (CCCFA).
Ko ngā tikanga nama he wā-poto, te nuinga o te wā 6–12 marama, engari ka taea te whakaroa i runga i ngā hiahia o te kaupapa. He maha ngā nama e whai ana i te utu huamoni anake, te hanganga utu kotahi rānei (bullet repayment), ka utua te pū nui i te mutunga o te wā nama, i te putanga rānei i te kaupapa.
Ko ngā utu e whai ake nei:
- Utu Whakatū (Lender Fee): He mea whakahua mō ia tauwhitinga, ka rerekē i runga i te momo hua me te rahinga nama.
- Utu Whakatau Uara (Valuation Fee): Ka utua e te kai-nama te whakatau uara e tētahi kaiwhakatau uara nō te rōpū a Southern Cross Partners.
- Utu Whakaroa Utu: Ka tukuna he huamoni taunoa paerewa me ngā utu whakahaere mō ngā utu whakaroa, ahakoa kāore i te whakaaturia nuitia ngā taipitopito.
He mea nui ki te kōrero ki tētahi kaitohutohu mokete, ki te rōpū tuku nama rānei a Southern Cross Partners kia whiwhi kōrero tika mō ngā reiti me ngā utu mō tō nama motuhake.
Te Tukanga Tono me Ngā Herenga
Ko te tukanga tono mō ngā nama a Southern Cross Partners he mea whakahaere mā ngā kaitohutohu mokete, he tauira kaitono anake tēnei. Ka taea hoki te toro atu mā ngā puka pātai ipurangi i tō rātou paetukutuku rangatōpū. Kāore he taupānga waea pūkoro motuhake mō ngā kai-nama ki te tono nama; ko te tomokanga kaiwhakawhiwhi pūtea e whakamahia ana mō ngā tono pūtea.
Ko ngā herenga matua mō te tono ka uru ki ngā tikanga ārai i te tahae moni me te pūtea kaiwhakatuma (AML/CFT), tae atu ki te whakaaturanga tuakiri, tuhinga kamupene, me te manatoko i te puna o te pūtea. He hinonga rīpoata a Southern Cross Partners i raro i te ture AML/CFT mai i te Hui-tanguru 2024.
Ka aromatawaihia ngā tono e tētahi rōpū nama ā-roto i runga i te kounga o te rawa, te LVR, te hītori o te kai-nama, me te taea o te kaupapa. Kei roto i te tirotiro pūmau ngā haerenga ki te papa whenua me te arotake i ngā rautaki putanga, me te whai i ngā rohe LVR tūpato. Ka tukuna ngā pūtea mā te whakawhiti pēke i muri i te oti o ngā tuhinga nama me te rehitatanga o te haumarutanga.
Te Tūnga Whakahaere me te Raihana, me te Whakatauritenga ki Ngā Kaiwhakataetae
He kamupene whai raihana a Southern Cross Partners Limited. Kei te raihana rātou hei Ratonga Tuku Nama Takirua i raro i te Ture Whanonga Mākete Pūtea (FSP16281), i whakawhiwhia i te Whiringa-ā-rangi 2016. E mātakitakihia ana rātou e te Mana Whakahaere Mākete Pūtea (FMA), ā, kei raro hoki i ngā paerewa raihana nama i raro i te Ture Nama Kirimana me ngā Nama Kaihoko Pūtea (CCCFA) mō ngā pūtea piriti. Kua rēhitatia hoki rātou hei hinonga rīpoata AML/CFT mai i te Hui-tanguru 2024. Kāore he rekoata tūmatanui mō ngā mahi whakahaere, whiu rānei i tēnei wā.
Kei te whakataetae a Southern Cross Partners ki ētahi atu kaiwhakarato nama takirua me ngā kaiwhakarato nama rawa motuhake i Aotearoa. Ko ētahi o ngā kaiwhakataetae matua ko PledgeMe, Lending Crowd, Squirrel Money, me Zagga. Heoi, he tūnga motuhake tō Southern Cross Partners i roto i te rāngai nama rawa whenua wā-poto, kounga teitei mā ngā hongere ehara i te pēke. Ka rereke rātou i runga i ō rātou hononga ki ngā kaitohutohu, te hanganga takitahi o ngā nama, me ngā paearu nama tūpato. Kei raro nei he whakatauritenga poto:
| Kaiwhakarato | Arotahi Nama | Tepe LVR | Awhe Reiti (ia tau) |
|---|---|---|---|
| Southern Cross Partners | Ngā mokete rawa wā-poto | 65–70% | Mai i te 6.00% |
| Lending Crowd | Ngā nama mau me te kore mau | Tae atu ki te 90% | 5.03–20.26% |
| Squirrel Money | Ngā nama kāinga, tūmataiti, pakihi | He rerekē | 6.50–12.00% |
| Zagga | Ngā nama mau (iti rawa NZD25k) | 100% mau | He rerekē i te taumata mōrearea |
Ko te āhua o Southern Cross Partners ki te tuku nama mau, wā-poto, e tautokohia ana e te rawa, ka waiho hei kōwhiringa pai mō te hunga e rapu ana i te ngāwari me te tere i waho o ngā pēke. Heoi, ko tō rātou arotahi ki te tauira kaitono anake ka rerekē i ētahi atu tūāpapa tuku nama takirua e whakaae ana ki ngā tono tika mai i ngā kai-nama.
Ngā Tohutohu Whaihua mō Ngā Kai-nama Pea
Mēnā kei te whakaaro koe ki te tono nama mai i Southern Cross Partners Limited, he mea nui kia mahara ki ngā tohutohu whaihua e whai ake nei:
- Kōrero ki te Kaitohutohu Mokete: Nā te mea he tauira kaitono anake tō Southern Cross Partners, ko te mahi tuatahi ko te kōrero ki tētahi kaitohutohu mokete mātanga. Ka taea e rātou te ārahi i a koe i roto i te tukanga, te mōhio ki ō hiahia, me te whakarite i ngā tuhinga e tika ana.
- Kia Mārama ki ngā Tikanga: He wā-poto ngā nama, te nuinga o te wā 6–12 marama, me te utu kotahi i te mutunga, te huamoni anake rānei. Me tino mārama koe ki tēnei hanganga me te pēhea e hāngai ai ki tō rautaki pūtea mō te wā-roa.
- Whakaarohia ngā Reiti me ngā Utu: Ahakoa kāore i te whakaaturia nuitia ngā reiti mō ngā kai-nama, e mōhiotia ana he utu nui ake ngā reiti o ngā kaiwhakarato ehara i te pēke i ērā o ngā pēke tuku iho. Me tātaihia ngā utu katoa, tae atu ki te utu whakatū me te utu whakatau uara, kia mōhio ai koe ki te katoa o te utu o te nama.
- Whakaritea tō Rautaki Putanga: I te mea he nama wā-poto enei, me mātua whai rautaki putanga pakari. Hei tauira, me pēhea koe e utu ai i te pū nui i te mutunga o te wā nama? Nā te hoko rawa? Nā te whakahoki pūtea mai i tētahi atu kaiwhakarato? Me matapaki tēnei ki tō kaitohutohu.
- Kia Whakaritea ngā Tuhinga: Ka tono a Southern Cross Partners i ngā tuhinga taipitopito mō tō tuakiri, tō kamupene, me ngā pūtea. Ko te whakarite i ēnei i mua i te wā ka tere ake te tukanga tono.
- Arotake i tō Mana Rawa: Nā te mea he nama mau katoa, ka aromatawaihia tō rawa hei taurangi. Kia mōhio koe ki te uara o tō rawa me tō LVR. He pai ki a Southern Cross Partners ngā LVR tūpato hei whakaiti i te mōrearea.
Mā te whai i ēnei tohutohu ka āwhina koe ki te whakatau whaihua mō tō hiahia pūtea, me te whakarite kia taurite ngā nama a Southern Cross Partners ki ō whāinga.
