Hoa Ngāue ki ha Fuofua Fakatau ‘Api

Ko e Hoa Ngāue ki ha Fuofua Fakatau ‘Api ko ha polokalama-ngāue ia ki he kaungā ma‘u ‘apí (shared ownership) ‘a ia ‘oku pule‘i ‘e he Kāinga Ora ma‘á e fa‘ahinga toki fuofua fakatau ‘api ‘oku nau lava ‘o fakahoko hono totongi fakafokí, ka ‘oku ‘ikai kenau ma‘u ha pa‘anga tātānaki fe‘unga pe ko ha tipōsiti ke ma‘u ‘aki ha fuofua tali ‘o ha nō fakatau ‘api.

Ko e hoko ko ia ko ha tokotaha ma‘u ‘api kakato mei he polokalama Hoa Ngāue ki ha Fuofua Fakatau ‘Apí

‘Oku mau loto ke ke ma‘u kakato ho ‘apí ‘i he taimi te ke ma‘u ai ‘a e malava fakapa‘anga ke fai ai ia ‘i loto ‘i he ta‘u ‘e 15 hono ma‘u iá. ‘E tokoni‘i koe ‘e he Kāinga Ora ‘i he halafononga ko ení ‘aki ha Goals Management Programme (Polokalama ki hono Māpule‘i ‘a e Ngaahi Taumu‘á) ‘i he taimi te ke nofo ai ‘i ho ‘api fo‘oú.

Polokalama Māpule‘i ‘o e Ngaahi Taumu‘á

‘Oku ‘atā atu ‘a e Polokalama Māpule‘i ‘o e Ngaahi Taumu‘á ke tokoni‘i koe ke tauhi ma‘u ho‘o ngaahi taumu‘a ki he ma‘u ‘apí. ‘Oku kau ki heni ‘a e fakataha fakata‘u mo ha Relationship Manager mei he Kāinga Ora, ‘a ia ‘e ngāue fakataha mo tokoni‘i koe ke a‘usia ‘a e ngaahi taumu‘a ko e:

• hoko ko ha tokotaha ma‘u ‘api kakato (pea fai ho lelei tahá ke a‘usia eni ‘i loto ‘i he ta‘u ‘e 15)
• tauhi ‘o e ‘apí ke ‘i he tu‘unga tatau mo ia na‘e fakatau mai ‘akí
• ‘oku hokohoko atu ho‘o nofo ‘i he ‘apí lolotonga ‘a e vaha‘a taimi ‘o e kaungā ma‘u ‘apí.

‘E fiema‘u ke ke ‘omai ‘a e ngaahi fakamatala fekau‘aki mo e ngaahi tu‘unga fakapa‘anga lolotonga mo e ‘i he kaha‘ú ‘o kinautolu ‘oku nau ‘i ho ‘apí. ‘E ala kau ki heni ‘a e tu‘unga lolotonga ‘o ho‘omou:

• pa‘anga hū mai ‘a homou ‘apí
• tātānakí / ngaahi fakahaofi pa‘angá
• ngaahi fakamole pe ngaahi totongi nō kehé.

Kapau kuo te‘eki ai ke ke fakatau ‘a e ‘inasi ‘o ho ‘apí ‘oku ma‘u ‘e he Kāinga Ora ‘i loto ‘i he ‘uluaki ta‘u ‘e 15 ‘o ho‘o ma‘u ‘a e ‘apí, ‘e fiema‘u ke ke totongi ha totongi fakata‘u mei he ta‘u hono 15 ke tāpuni ‘aki ha ngaahi fakamole ‘uhinga lelei ‘a e Kāinga Ora.

Ko hono fakatau ‘o e ‘inasi ‘oku ma‘u ‘e he Kāinga Ora

Te ke lava ‘o fili ke fakatau ‘a e ngaahi ‘inasi ‘oku ma‘u ‘e he Kāinga Ora ‘aki:

1. ha fo‘i totongi faka‘angataha pē ‘e taha, pe
2. ‘i ha ngaahi totongi fakatāutaha iiki ‘a ia ‘oku tātānaki ‘o ma‘u ‘a e mahu‘inga totongi mā‘ulalo tahá (fakatātaá, ko e $1,000).

Te ke ala fili ke fai ‘eni ‘aki hono ngāue‘aki ho‘o pa‘anga tātānakí pe ko hono fokotu‘u ha ngaahi taumu‘a mo ho‘o Pule Vā Fakangāué (Relationship Manager) ke fakatau fakata‘u ha ngaahi ‘inasi.

Ko e mahu‘inga ‘oku fiema‘u ki ho‘o totongí ‘oku makatu‘unga ia ‘i he mahu‘inga ‘o e ‘apí ‘i he taimi ‘oku fakatau aí. ‘Oku ‘uhinga eni, kapau ‘e hiki hake ‘a e mahu‘inga ‘o e ‘apí ‘aki ha 10% mei he taimi na‘e fuofua fakatau aí, ko e ‘inasi ‘o e ‘apí ‘oku ma‘u ‘e he Kāinga Ora ‘e 10% lahi ange ia ki hono fakataú. Hū ki ho‘o peesi uepisaiti ki he Hoa Ngāue ki ha Fuofua Fakatau ‘Apí(external link) ke fakahū ha tohi kole ke fakatau ha ‘inasi.

‘I he taimi te ke fakatau kakato ai ‘a e ‘inasi ‘oku ma‘u ‘e he Kāinga Ora, ‘okú ke hoko leva ko ha tokotaha ma‘u ‘api kakato.

Ko hono fakalelei‘i pe toe tānaki atu ha ngaahi me‘a ki ho ‘apí

‘E fiema‘u ke ke ‘ulauki ma‘u ha ngofua mei he Kāinga Ora kapau te ke fie fakahoko ha fakalelei pe fakalahi kae kehe pē ‘oku mau kei hoko ko ha kaungā ma‘u ‘api ki he ‘apí. ‘Oku kau ki heni ha fa‘ahinga fakalelei ‘oku ‘ilo‘i meí he vakai‘i ‘o ha tu‘unga ki mu‘a ke fai ha tu‘utu‘uní (due diligence), mo ha ngāue fakalelei na‘e toloi ki mu‘a ‘i he fakataú. Kātaki ‘o vakai ki he founga ngāue ki he fakaleleí ‘i he Aleapau Kaungā Ma‘u ‘Apí.

Hū ki ho‘o peesi uepisaiti ki he Hoa Ngāue ki ha Fuofua Fakatau ‘Apí(external link) ke fakahū ha tohi kole ki hano fakalelei‘i ho ‘apí pe līpooti maumau.

Ko hono tuku atu ho ‘apí ke nofo totongi

‘Oku fiema‘u ia ke ke nofo ‘i ho ‘apí ko ho‘o nofo‘anga tefito lolotonga ‘oku ma‘u ‘e he Kāinga Ora ‘a e ngaahi ‘inasi ki he ‘apí.

Fakalahi ‘o e noó

‘Oku mau fiema‘u ke ke ma‘u kakato ho ‘apí ‘i he taimi vave taha pē ‘okú ke malava fakapa‘anga ai ke fai peheé ‘i loto ‘i he ‘uluaki ta‘u ‘e 15 ‘o ho‘o ma‘u ‘apí. ‘I he tu‘unga ko e kaungā ma‘u ‘api, ‘oku mahu‘inga ke ‘ilo‘i ‘e he Kāinga Ora ki ha toe nō ‘oku fakahoko, koe‘uhi ‘e lava ke uesia ‘e ha toe lahi ange ‘a e mo‘uá ho‘o malava ke totongi fakafoki ‘a e ‘inasi ‘oku ma‘u ‘e he Kāinga Ora.

Kātaki ‘o kumi ha fale‘i fakapa‘anga kimu‘a pea ke toki fai ha toe nō lahi ange. Kapau ‘e fakapapau‘i atu ‘e ho‘o tokotaha fale‘i fakapa‘angá ‘okú ke ma‘u ‘a e malava ke toe nō lahi ange, kātaki ‘o ‘omai kiate kimautolu ha ‘tohi kole ki ha toe nō‘ fakataha mo e fakamo‘oni ‘ene fakapapau‘i iá. ‘E lava ke fakahū ‘a e kole ko ‘ení ‘i ho‘o peesi uepisaiti ki he Hoa Ngāue ki ha Fuofua Fakatau ‘Apí(external link).

Ko hono fakatau atu ‘a e ‘apí

‘Oku fa‘u ‘a e Hoa Ngāue ki ha Fuofua Fakatau ‘Apí ke tokoni‘i koe ke ke hoko ko ha tokotaha ma‘u ‘api kakato, kae lolotonga ‘a e vaha‘a taimi ‘o e kaungā ma‘u ‘apí te ke ala loto nai ke fiema‘u ke fakatau atu ho ‘apí tupu mei:

• ha liliu ‘i ho ngaahi tūkunga fakafo‘ituituí (fakatātaá, ko ha liliu ‘i ho‘o ngāué)
• ha liliu ‘i ho ngaahi tūkunga fakapa‘angá
• ‘ikai ke ke toe lava ‘o fakatau ‘a e ‘inasi ‘oku ma‘u ‘e he Kāinga Ora.

‘E lava ke talanoa atu ho‘o Relationship Manager ‘i he Kāinga Ora fekau‘aki mo ho‘o tu‘unga fakafo‘ituituí. Hū ki ho‘o peesi uepisaiti ki he Hoa Ngāue ki ha Fuofua Fakatau ‘Apí(external link) ke fakahū ha tohi kole ki ha fakatau ‘api.

Kapau ‘e fakatau atu ‘a e ‘apí lolotonga ‘oku kei hoko ‘a e Kāinga Ora ko ha kaungā ma‘u ‘api, ‘e vahevahe leva ‘a e pa‘anga ‘e ma‘u mei aí fakatatau ki he ‘inasi ‘oku ma‘u ‘e he tafa‘aki takitaha (each party). Ko e fakatātaá, kapau ‘oku kei ma‘u ‘e he Kāinga Ora ‘a e 10% ‘o e ‘apí pea fakatau atu ia ‘i he $800,000, ‘oku mau ma‘u ‘a e totonu ke ma‘u mai ‘a e $80,000 mei he fakatau ‘o e ‘apí.

Ngaahi me‘angāue mo e ngaahi me‘a fakapepa fakalaó

• Fakatātā ‘o e Aleapau ki he Kaungā Ma‘ú [PDF, 1.5 MB]
• Fakahinohino ki he Aleapau ki he Kaungā Ma‘ú [PDF, 55 KB]

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• Hū ki ho‘o peesi uepisaiti ki he Hoa Ngāue ki ha Fuofua Fakatau ‘Api(external link)