Ko e hā ho‘o me‘a ‘e fai kapau ‘oku ke faingata‘a‘ia ke totongi ho mo‘uá

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‘Oku mātu‘aki mahu‘inga ke fai leva he vave tahá ha kumi tokoni. ‘Ikai ngata pe ‘i ho‘o fetu‘utaki ‘o fakahā ki he kautaha noó ‘a ho‘o faingata‘a‘ia fakapa‘angá ka ‘e toe kau lelei foki kapau te ke kumi fale‘i mei ha taukei he fokotu‘utu‘u ‘o e patiseti fakapa‘angaá.

Talanoa ki he kautaha na‘a ke no mei ai

‘E fa‘a tali lelei ‘e he ngaahi kautaha nō ke nau tokonia ‘a kinautolu ne nau nō pea nau faingatā‘ia, koe‘uhí ke feinga‘i kinautolu ke nau malava ‘o totongi fakafoki ‘enau nō ‘i he kaha‘u. Kole ki he kautaha noó pe ‘e lava ke liliu e ngaahi tu‘utu‘uni aleapau ke tokoni atu ki a koe. ‘O hangē ko hano fakalōloa e taimi ke tā fakafoki aí, pē ko e fakasi‘isi‘i e silini ‘oku toutou totongi.

‘Oku ‘ikai lava ke fakamalohi‘i e kautaha noó ke liliu ‘a ho‘o mou aleapau ka ‘oku fiema‘u ke faka‘atu‘i mo fakapotopoto ‘e nau to‘onga ‘o ka hoko ha faingata‘a‘ia.

Fakahoko ha tohi kole tokoni ‘i ha faingata‘a‘ia fakapa‘anga

‘I he tu‘u ‘a e laó ‘oku ‘i ai ho‘o totonu ke ke kole ki he kautaha nō ke liliu ha‘o aleapau nō taautaha, mōkesi, kulētiti kaati pe ha toe aleapau nō pa‘anga, ‘o kapau ‘oku hoko atu e ngaahi me‘a ni kiate koe:

• ‘oku ke faingata‘a‘ia fakapa‘anga koe‘uhi ko e hoko e ngaahi me‘a ta‘e‘amanekina, hangē ko e puke pe lavea, mole ho‘o ngāue, motuhia e vā ‘i he nofo fāmili, pekia ho hoá pe ‘ofa‘anga
• pea tupu mei ho‘o faingata‘a‘ia fakapa‘anga ko ia, ‘oku ‘ikai ai ke ke malava ‘o totongi ho‘o nō
• ‘oku ke fakapapau‘i te ke malava pe ‘o tā ho‘o nō kapau ne liliu ho‘o aleapaú ki he ngaahi founga ‘oku tu‘utu‘uni ‘e he lao (vakai ki he ‘Ko e hā e ngaahi liliu ‘e lava ‘o fai? ‘).

‘Oku lava pe ke mou alea mo felotoi mo e kautaha nō ki ha liliu ke fai ki he aleapaú ‘i ha taimi pe, ka ‘okapau te ke fakahū ha‘o tohi kole tokoni koe‘uhi ko ho‘o faingata‘a‘ia (koe‘uhi ko e ngaahi ‘uhinga kuo ‘osi fakamahino atu ‘i ‘olunga) kuopau ke ngāue leva ki ai e kautaha noó ‘o fakatatau ki he ngaahi fiema‘u mo e tu‘utu‘uni ‘a e laó.

‘E fakahoko fakakū ha fakahū ‘e ha tokotaha nō ha‘a ne tohi kole faingata‘a‘ia fakapa‘anga?

‘Oku mātu‘aki mahu‘inga ke ke fetu‘utaki fakavavevave leva ki he kautaha nō kapau ‘oku ‘ikai ke ke lava ‘o tā fakafoki ho‘o nō koe‘uhi ‘oku fakangatangata pe ‘a e taimi ke ke fakahū ai ha kole tokoni faingata‘a‘ia fakapa‘anga.

Te ke malava pē ‘o fakahū hao kole tokoni faingata‘a‘ia fakapa‘angá ‘i ha taimi pē, tukukehe kapau:

• ne ‘osi ta‘etotongi ho‘o nō ‘i he māhina ‘e ua pe lahi ange
• ne ta‘etotongi ho‘o nō ‘i he uike ‘e ua pe lahi ange hili ho‘o ma‘u ha tohi fakatokanga ‘e fai ha fa‘ao fakalao (repossession) pe ko ha fakatokanga koe‘uhi ko e lao Property Law Act
• ne ‘ikai ke ke lava ‘o tā hokohoko tu‘o 4 pe lahi ange ho‘o nō ‘i hono ‘aho totongi totonú.

‘E tu‘o 1 pe ha‘o kole tokoni faingatā‘ia fakapa‘anga ‘aki e ngaahi ‘uhinga tatau ‘i loto ‘i ha māhina ‘e 4, tukukehe ka loto ‘a e kautaha noó ke nau tali ha‘o kole tokoni fo‘ou. Kapau ‘e fakalakalaka ai pe kimu‘a ho‘o totongi noó pea ‘ikai tōmui, ‘e malava pe ke toe fakahū atu ha‘o kole tokoni faingata‘a‘ia fakapa‘anga.

Ko e hā e ngaahi liliu ‘e ala fakahoko ‘i ha‘o kole?

‘E malava ke ke kole ke liliu ha aleapau ‘aki hano:

• fakalōloa e taimi aleapaú pea mo holoki e mahu‘inga ‘o e totongi tā fakafoki taautaha
• toloi atu e totongi noó ‘i ha vaha‘a taimi pau (a payment holiday)
• fakalōloa e tu‘utu‘uni ‘o e aleapaú mo toloi hono totongi e mo‘uá ‘i ha vaha‘a taimi (a payment holiday).

Neongo ‘e ala tokoni e ‘ū founga ko ení ke ki‘i mānava ai e tokotaha nō, ka ko hono melé ‘e malava ke toe tupu ‘o lahi ange mahu‘inga fakakātoa ‘o e nō ke totongi fakafoki.

He ‘ikai ngofua ke kole ‘e he tokotaha nō ha liliu ke fakahoko ki he aleapaú ‘o fu‘u ope lahi atu mei he liliu ko ia ke lava lelei ‘o totongi fakafoki e noó. ‘E fiema‘u ke mahu‘inga mālie kia koe pea mo e kautaha noó fakatouloua ‘a e ngaahi liliu ‘oku kolé hili hono vakavakai‘i e ngaahi tafa‘aki kotoa.

Lau heni ‘a e fakamatala ‘oku tānaki atu ki he kole tokoni faingata‘a‘ia fakapa‘anga.