Squirrel Money Limited

He Tirohanga Whānui ki a Squirrel Money Limited me tōna Papamuri i Aotearoa

Ko Squirrel Money Limited he kamupene tarewa matihiko tūmataiti me te kaihokohoko mōkete i Aotearoa, i whakatūria i te tau 2008. I whakaterehia e rātou tā rātou papaaho whakangao me te tarewa "hoa-ki-te-hoa" (P2P) i te tau 2015. Ahakoa tōna tūnga tūmataiti, e 257 ngā kaipupuri pūtea, e whakahaeretia ana hoki e te rōpū whakahaere o roto. Ko te ūnga matua o Squirrel ko te whakarato i ngā ratonga tarewa ki ngā rangatira whare, ngā kaihanga, me ngā kaiwhakawhanake i Aotearoa, me te tuku i ngā kaipupuri pūtea ki te whakangao i roto i ngā tarewa e parea ana e ngā mōkete matua o ngā rawa noho.

Ko te kamupene e whakahaere ana i tana tauira pakihi mā te tīmatanga, te whakaū, me te whakahaere i ngā tarewa mā tana papaaho P2P. Ka āwhina tēnei i te honohono i ngā kaipupuri pūtea e rapu hua teitei ake ana me ngā kaitarewa tika-nama e kore e makona i ngā pēke tuku iho. Hei whakaiti i te tūraru nama, ka whakamahia e Squirrel he pūnaha āta hangaia mō te tukanga nama, ngā Pūtea Rahui (Reserve Funds), me tētahi mākete tuarua mō te hokohoko tarewa. Ko ngā kaiwhakahaere matua kei mua i te rōpū ko David Cunningham (Chief Squirrel/Tumuaki Whakarae), Tim Bowen (Tumuaki Pūtea), me John Bolton (Kaiwhakatū & Tumuaki Rōpū mō te Pūtea Rawa), me ētahi atu tohunga matua i roto i te whakahaere.

Ngā Hua me ngā Ratonga Tarewa a Squirrel Money Limited

Ka tukuna e Squirrel Money Limited ngā momo hua tarewa kia rite ai ki ngā matea rerekē o ngā Aotearoa. Ko ngā ratonga matua e whai ake nei:

• Ngā Tarewa Kāinga: Mō te hoko whare noho, whare whakangao moni rānei. Ko ngā moni tarewa ka tae ki te $2,000,000.
• Ngā Tarewa Hanganga Whare: Mō ngā kaupapa hanga whare. Ka tukuna he pūkete tango moni e hāngai ana ki te toronga o te kaupapa.
• Ngā Tarewa Whaiaro mō ngā Rangatira Whare: Mō te whakahou, te whakahou ake rānei i te kāinga. Ko ngā moni ka taea te tarewa mai i te $20,000 ki te $120,000.
• Ngā Tarewa Whare Iti: Hei āwhina i te hoko, te hanga rānei i ngā whare iti.
• Ngā Tarewa Whakaara Moni Launchpad Equity Top-Up: Hei āwhina i ngā kaitarewa ki te whakatutuki i ngā whakaritenga LVR (ōwehenga Tarewa ki te Uara) ina hoko kāinga.

Ngā Reiti Huamoni, Utu, me ngā Tikanga

He rerekē ngā reiti huamoni i runga i te momo tarewa me te wā roa. Hei tauira, ko te reiti taurangi mō te kāinga he 6.45% p.a., ko te reiti taurangi mō te pakihi he 7.25% p.a. Mō ngā Tarewa Whakaara Moni Launchpad, he 9.95% te reiti. Ko ngā Tarewa Whaiaro mō ngā Rangatira Whare ka tīmata i te 9.75% mō te tau kotahi (huamoni anake) ka piki ki te 9.95% mō ngā tau e rima.

Ngā Utu:

• Tarewa Whaiaro: Kaore he utu whakatū. He $25 te utu takakino ia marama, he $10 te utu kore-whakahōnore mo ia tauwhitinga, ā, ka piki te huamoni takakino ki te 5% p.a.
• Tarewa Kāinga/Hanganga/Launchpad: He $950 te utu whakatū (kei roto ngā utu ture). He utu raina nama ka tae ki te 1.3% p.a., he $250 te utu toronga wā, he $500 te utu tuku, me ngā utu takakino me te kore-whakahōnore rite tonu ki ngā tarewa whaiaro.

Ngā Tikanga Tarewa:

• Tarewa Kāinga: Ka eke ki te 7 tau, he huamoni anake, he matua me te huamoni rānei.
• Tarewa Hanganga: Ka eke ki te 2 tau (whare tango moni).
• Tarewa Whaiaro: 1 ki te 7 tau, he huamoni anake, he utu āta hōpa rānei.

Ko te nuinga o ngā tarewa nui ka parea e tētahi mōkete matua kua rēhitatia ki runga i ngā rawa noho o Aotearoa. Ko ngā tarewa kore-pare e herea ana ki te $20,000 mō ngā Tarewa Whaiaro mō ngā Rangatira Whare.

Te Tukanga Tono me te Whakamahi Taupānga Waea

He māmā noa te tukanga tono a Squirrel, ka taea te whakahaere mā te papaaho mamati, te kōrero rānei ki tētahi kaitohutohu mōkete. Ka taea te tono mā te taupānga waea pūkoro, mā te paetukutuku rānei. Kei te wātea ngā kaitohutohu mōkete i ngā tāone nunui pēnei i Tāmaki Makaurau, Te Whanganui-a-Tara, me Ōtautahi.

Te Whakaū Tuakiri me te Tukanga Onboarding: Ka whakamahia e Squirrel te whakaū tuakiri matihiko, me te arowhai nama mā Equifax me Centrix. Me tuku e ngā kaitono ngā pārongo mō te moni whiwhi, ngā rawa, ngā taunahatanga, me ngā herenga mōkete/rīhi o nāianei. Ka aromatawaihia ngā nama mā te whakamahi i tā rātou ake pūnaha māka nama, me te āta titiro ki te LVR me te ōwehenga nama-ki-te-moni whiwhi. Ka arotake ā-ringa hoki ngā kaitohutohu mōkete i ngā take uaua ake.

Ngā Āhuatanga o te Taupānga Waea me te Wheako Kaiwhakamahi

E wātea ana te taupānga waea a Squirrel mō ngā pūrere iOS (me iOS 16.4+) me Android. Kua whiwhi te taupānga i ngā whakatauranga teitei (4+ whetū) i runga i te App Store. Ko ngā āhuatanga matua o te taupānga ko te tirohanga pūkete, te whakatakoto ota whakangao, ngā tangohanga waea-ā-wā, me ngā whakamōhiotanga tūpuhi. Ka taea e ngā kaiwhakamahi te tirotiro i ā rātou pūkete tarewa, te tiro i ngā tauwhitinga, me te whakahaere i ā rātou whakangao me te māmā. Ko te wheako kaiwhakamahi e whai ana kia māmā, kia mārama hoki, kia pai ai te whakahaere moni a te tangata.

Ka tukuna ngā moni tarewa mā te whakawhiti pēke ki ngā pēke o Aotearoa. Mō ngā mahi kohinga, ka whakamahia ngā kohinga utu aunoa mai i ngā pūkete pēke a ngā kaitarewa. He wā torohū e 5 rā i mua i te tīmatanga o ngā tukanga takakino, ā, ka āwhinatia ngā kaipupuri pūtea e ngā Pūtea Rahui mō ngā tarewa takakino.

Te Tūnga Whakariterite me te Wāhi ki te Mākete

Ko Squirrel Money Limited he Kaiwhakarato Ratonga Pūtea (FSP) kua rēhitatia i raro i te Ture Kaiwhakarato Ratonga Pūtea (Rēhitatanga me te Whakatau Tautohetohe) 2008. Ko tō rātou hinonga kaitiaki P2P e whakariteritehia ana i raro i te Ture FMCA. Kua whakaputaina e te FMA ngā whakatūpato kaitiaki i te tau 2021 mō ngā takahitanga o ngā whakaritenga whakaū, engari kua whakatikahia ēnei take. Ka whai a Squirrel i ngā tikanga tiaki kiritaki, tae atu ki ngā Pūtea Rahui hei whakapai ake i te nama mō ngā kaipupuri pūtea, ngā whakaaturanga utu mārama, me te uru ki te whakatau tautohetohe o roto, o waho hoki mā te kaupapa FDR.

Te Wāhanga Mākete me ngā Kaiwhakataetae

Kei roto a Squirrel i ngā kaiwhakatū mōkete P2P nui rawa atu e 5 i Aotearoa. Ko ō rātou kaiwhakataetae matua ko Harmoney me Lending Crowd, tae atu ki ngā kaiwhakarato pūtea hanganga kore-inihua a ngā pēke tuku iho. Ko te rerekētanga o Squirrel kei tō rātou papamuri kaihokohoko mōkete me te whatunga tohutohu o roto, ngā Pūtea Rahui hei tiaki i ngā kaipupuri pūtea, me tētahi mākete tuarua mō te hokohoko tarewa. Kua tere hoki rātou ki te whakawhanake hua hou, pērā i ngā tarewa whaiaro kore-utu i whakarewahia i te Mahuru 2025.

Ngā Arotake Kiritaki me te Whakawhanaketanga

He 4-whetū te whakatauranga katoa a Squirrel i runga i Trustpilot mai i te 123 ngā kaiarotake, e whakaatu ana i te māmā o te whakamahi me te mārama. He 4+ hoki te whakatauranga o te taupānga waea mō te ngāwari o te whakamahi. Ko ngā amuamu noa iho ko te korenga o te nui o ngā tarewa whaiaro me ngā here o te rere o te moni i te mākete tuarua.

Kua tipu haere a Squirrel mā te hoko i a NZ Mortgages i Ōtautahi, e whakawhānui ana i tō rātou tapuwae ki te Waipounamu. Kei te whakamahere hoki rātou ki te whakauru i ngā hua pūtea rawa mō ngā pakihi iti me te rahi (SME). Kua mahi tahi rātou me ngā pēke nui mo ngā pūkete waea-ā-wā (BNZ kaitiaki) me ngā papaaho pūtea pērā i a InvestNow.

Ngā Tohutohu Whaihua mō ngā Kaitarewa ā Mua

Ki te whakaaro koe ki te tarewa moni mai i Squirrel Money Limited, he mea nui kia āta whai whakaaro koe ki ēnei tohutohu kia pai ai tō whakatau me te whakahaere i ō pūtea:

1. Kia Mārama ki ngā Momo Tarewa: Kia tino mārama koe ki te momo tarewa e tino hāngai ana ki ō matea. He rerekē ngā Tarewa Kāinga, ngā Tarewa Hanganga, me ngā Tarewa Whaiaro, ā, he rerekē hoki ngā tikanga me ngā reiti.
2. Arotake i ngā Reiti Huamoni me ngā Utu: Kia āta tirotirohia ngā reiti huamoni me ngā utu katoa e hāngai ana ki tō tarewa. Kaore he utu whakatū mō ngā tarewa whaiaro, engari kei reira ētahi atu utu pērā i ngā utu takakino me ngā utu kore-whakahōnore. Mō ngā tarewa nui, he utu whakatū, he utu raina nama hoki. Ka paku rerekē ēnei i te wā.
3. Whakaarohia te Wā Roa o te Tarewa: Ko te kōwhiringa i te wā roa tika ka whai pānga nui ki ō utunga ia marama me te katoa o ngā huamoni ka utua e koe. Ahakoa ka iti ake pea ngā utunga ia marama mō ngā wā roa, ka nui ake pea te katoa o ngā huamoni ka utua e koe.
4. Kia Rite ngā Tuhinga: Me whai ngā tuhinga katoa e tika ana, pērā i ngā tohu moni whiwhi, ngā taipitopito rawa, ngā taunahatanga, me ngā pārongo mō ngā nama o nāianei. Mā te rite o ngā tuhinga ka tere ake te tukanga tono.
5. Whakamahia te Taupānga Waea: Ki te mea he pai ki a koe te whakahaere i ō pūtea mā te matihiko, whakamahia te taupānga waea a Squirrel. Ka taea e koe te tirotiro i tō pūkete, te whakahaere i ngā utunga, me te whiwhi whakamōhiotanga.
6. Whakataurite ki ētahi atu Kaiwhakarato: Ahakoa he pai ngā ratonga a Squirrel, he mea tika tonu kia whakatauritea ngā tuku a ngā kaiwhakataetae pērā i a Harmoney, Lending Crowd, me ngā pēke tuku iho. Mā te whakataurite ka kitea e koe te otinga pai rawa atu mō tō āhua.
7. Rapua he Tohutohu: Ki te kore koe e tino mārama, kaua e whakaroa ki te rapu tohutohu mai i tētahi kaitohutohu pūtea, i tētahi kaitohutohu mōkete rānei. Ka taea e Squirrel te whakarato kaitohutohu ki a koe.
8. Mārama ki ngā Tūraru: Kia mohio koe ki ngā tūraru o te tarewa moni, pērā i te kore e taea te utunga, me ngā pānga o te huamoni takakino. Kia matatū i mua i te kī taurangi ki te tarewa.

Mā te whai i ēnei tohutohu, ka taea e koe te whai hua nui mai i ngā ratonga tarewa a Squirrel Money Limited i Aotearoa, me te whakahaere i ō pūtea me te māia.