He aha te Depositor Compensation Scheme (DCS)?
Ka tiakina koe e te Depositor Compensation Scheme (DCS) atu ki te $100,000 ki te mūhoretō kaipupuri monikuhu, mēnā e puritia ana tōmoni ki ngā pūtea whakamaru-DCS.
He kaupapa kāwanatanga te DCS, nā ngākaipupuri monikuhu te pūtea tautoko, ā, ko Te Pūtea Matua (RBNZ) te kaiwhakahaere.
He aha i hira ai te DCS?
Ina mūhore tētahi kaipupuri monikuhu o Aotearoa, ka parematatia te kaikuhumoni e te DCS atu ki te $100,000.
Mā te DCS ka whakapono ngā kaikuhumoni e tiakina ana ā rātou moni, e tūwhena ake ai te pūnaha ahumoni o Aotearoa.
E whakarato ana ngā whenua maha o te ao i te whakamarutanga pēnei ki ngā kaikuhumoni.
He aha te 'kaipupuri monikuhu'?
Ko ngā kaipupuri monikuhu ko ngā pēke, uniana whakanama, manatōpū hanga whare, me ngā umanga ahumoni ka whiwhi monikuhu mai i te tangata.
He aha te 'kaikuhumoni'?
He tangata ka pupuri i ana moni, ka puritia rānei ana moni e tētahi atu, ki te pūtea e tiakina ana e te DCS. Ko ngā pūtea kurutete, penapena, whakamōhio, me te kuhunga tūmau ēnei.
Āhea mana ai te DCS?
Ka mana te DCS ā te 1 o Hūrae 2025.
Ka pēhea au e mōhio mēnā e whakamarutia ana taku moni?
He aunoa te whakamaru i tō moni mehemea kei roto i tētahi pūtea i raro i te maru o te DCS, pērā i te:
- Pūtea kurutete
- Pūtea penapena
- Pūtea whakamōhio
- Kuhunga tūmau
Atu i te 1 o Hūrae 2025, e herea ana tō kaipupuri monikuhu ki te whakaatu i te rārangi o ngā monikuhu whakamaru-DCS ki tā rātou paetukutuku. Kōrero ki tō kaipupuri monikuhu mēnā kāore koe i te tino mōhio mēnā e whakamarutia ana tō moni.
Kāore ētahi kaikuhumoni i te māraurau ki te DCS, tae atu ki ngā tari kāwanatanga.
Rapua he kōrero anō ki dcs.govt.nz
He aha ngā mea kāore e tau ki raro i te maru o te DCS?
Kāore ētahi pūtea e tau ki raro i te maru o te DCS, pērā i ngā moni e puritia ana ki:
- Ngā monihere me ētahi atu hautaonga tauhokohoko
- Ngā kaupapa haumi whakahaere (tae atu ki te Kiwisaver me ētahi atu kaupapa penihana he kaupapa haumi whakahaere hoki)
- Ngā pūtea moni tāwāhi
Kōrero ki tō kaipupuri monikuhu mēnā kāore koe i te mōhio mēnā kei raro tō moni i te maru o te DCS.
Me utu ahau i te whakamaru o te DCS?
Kāore he utu mēnā e puritia ana ō moni ki ngā pūtea whakamaru-DCS. Ka kohi te RBNZ i tētahi utu mai i ngā kaipupuri monikuhu hei utu i te DCS.
Me pēhea taku tūhono atu?
Kāore he mahi māu e noho ai koe ki raro i te maru o te DCS mēnā e puritia ana ō moni ki tētahi pūtea whakamaru-DCS. Ka tīmata aunoa te noho whakamaru ā te 1 o Hūrae 2025.
Ki hea rapu ai i ētahi mōhiohio anō?
Kōrero ki tō kaipupuri monikuhu, haere rānei ki dcs.govt.nz
E hia ngā moni ka whakamarutia?
Mā ngā tūāhuatanga e whai ake nei e whakaatu i te āhua o te tātaitia o te utu paremata inae nei e whakaatu i te āhua o te tātaitia o te utu paremata ina mūhore te kaipupuri monikuhu.
Candice (pūtea kotahi)
Tūī (e rua ngā pūtea)
Rashmi & Aiden (pūtea takitahi me te pūtea hono)
550 ngā moni a Rashmi ki te pūtea kurutete ki te Manatōpū Hanga Whare B.
$8,000 ā Aiden ki te pūtea penapena ki te Manatōpū Hanga Whare B.
$20,000 ngā moni a Rashmi rāua ko Aiden ki tētahi pūtea penapena hono ki te Manatōpū Hanga Whare B.
Ka parematatia a Rashmi ki te $10,550 mēnā ka mūhore te Manatōpū Hanga Whare B.
Tātaitanga: $550 + ($20,000/2) = $10,550
Ka parematatia a Aiden ki te $18,000 mēnā ka mūhore te Manatōpū Hanga Whare B.
Tātaitanga: $8,000 + ($20,000/2) = $18,000
Rāwiri (pakihi kiritahi)
He kaipupuri pakihi iti a Rāwiri (ehara te pakihi i te pakihi manatōpū) e pupuri ana i te $10,000 ki te pūtea kurutete pakihi ki te Uniana Whakanama C.
E pupuri ana a Rāwiri i te $5,000 ki te pūtea penapena whaiaro ki Uniana Whakanama C.
Ka parematatia a Rāwiri ki te $15,000 mēnā ka mūhore te Uniana Whakanama C.
*Tātaitanga: $10,000 + $5,000 = $15,000