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Mēnā e mahi ana koe hei kaihoko nekeneke ko te tikanga kua takoto he kaupapa tautukunga māu hei whakarite kei te ū koe, me ō kaimahi, ki ō herenga ture ina hokohoko rawa ana.

Ngā āwhina tautukunga pakihi

Kei tō kiritaki te motika ki te whakakore – me mātua whakarite kei te mārama koe ki ō herenga me ana motika.

Me mātua tuhi tō kirimana kiritaki ki te reo māmā, ā, kia mārama, kia koi hoki te āhua.

Ki te kī atu koe ka kawea atu ngā rawa, me mātua kawe atu i roto i te wā i kīia.

Me rapu tohutohu ture motuhake kia mōhio ai koe kei te ū koe ki ngā herenga.

E wātea ana te ataata me ngā kupu hauraro Māori.

Tīpakohia te ata Ngā Tautuhinga kei te kokonga matau o raro o te pūrere ataata > Pāwhiri Kupu Hauraro /CC > Tīpakohia te reo e hiahia ana koe.

Te ture

Kei runga i ō tikanga hokohoko, tukanga pakihi me ngā kirimana e whakamahia ana e koe me ō kiritaki ngā ture ka hāngai ki tō pakihi. Kei runga i a koe ki te mōhio ki ngā ture me ū koe me te tiki tohutohu mō te tautukunga o tō pakihi. Kei raro ētahi tauira o ngā ture e hāngai ana pea ki a koe.

Pānui haere anō mō ngā ture me whakaū e mātau.


Credit Contracts and Consumer Finance Act (CCCF Act)

E whakarārangi ana te Ture CCCF i ngā ture e pā ana ki te whakapuakanga, itarete me ngā utu e hāngai ana ki ngā kirimana noho nama a ngā kiritaki. Me mātua ū ngā kaituku moni taurewa ki ngā mātāpono mō te kawenga a te kaituku moni ina tuku rawa ana mā te noho nama.

Tirohia āhea nei ka hāngai ngā ture ki tō pakihi.


Ngā hokohoko kūaha ki te kūaha me runga waea (arā, ngā hokonga hāngai urutomo)

He whakaaetanga ēnei mō te hokohoko i ngā rawa, ratonga rānei he nui atu i te $100 e whakariteritehia ana i te kāinga, wāhi mahi rānei o te kiritaki, i runga waea rānei ina kāore te kaihoko i pōhiritia e te kiritaki ki tōna whare, kia waea mai rānei ki a ia ki te hoko atu i ngā rawa, ratonga rānei. Ko te tikanga ko ngā kirimana ka hua ake i ngā hokohoko kūaha ki te kūaha me runga waea ka hāngai ki tēnei kāwai.

Me mātua whakapuaki e koe ngā mōhiohio whāiti mō te whakaaetanga me te ū ki ngā ture mō te whakakorenga, ā, me pēhea te whakaū i te whakaaetanga.

Pānuitia ētahi atu kōrero.


Ngā hokonga tāpui

Ina tukuna e koe ngā rawa mā te tāpui ki ō kiritaki me mātua ū koe ki ngā ture pērā i te whakarite kua tuhia te whakaaetanga ki te reo māmā, ā, ka tukuna e koe he tārua ki te kiritaki i taua wā anō ka whakaotihia.

Me mātua uru anō ki tō whakaaetanga tāpui ngā mōhiohio tauwhāiti.

Pānui haere anō mō ngā hokonga tāpui.


Ngā ture kirimana huhunu

Mēnā he iti te whai wāhitanga, kāore rānei mō tō kiritaki ki te whakariterite i ngā ture o te kirimana me koe, te āhua nei he kirimana kiritaki arowhānui te āhua. Hei tauira, ka tukuna pea e koe he kirimana kiritaki arowhānui i runga i te āhuatanga 'kāore mō te whakarerekē'. Tērā pea he rite tonu, āhua rite rānei, ki ngā kirimana ka tukuna e koe ki ētahi atu o ō kiritaki.

Mēnā ka whakamahia e koe ngā kirimana arowhānui ki te tuku rawa, ratonga rānei e whakamahia noatia ana mō ngā take whaiaro, ā-kāinga rānei, kāore e taea e koe te whakauru atu ngā ture huhunu.

Pānuitia ētahi atu kōrero.


Pūrongo kaupapa kaihoko nekeneke

Te pūrongo Kaupapa Kaihoko Nekeneke 2014/15 a te Komihana.