Kautaha mo e Talateu ʻo e ANZ ʻi Tonga
Ko e ANZ Bank (Tonga) ko ha vaʻa ia ʻo e Australia and New Zealand Banking Group Limited, ʻo ngāue lahi ʻi he Puleʻanga ʻo Tonga. Kuo lēsisita ʻa e kautahá ni ʻi Tonga ʻi he malumalu ʻo e Lao ki he Ngaahi Kautaha pea ʻoku ne ngāue ʻaki ʻa e laiseni fakapangike fika 19 mei he Pangike Pule Lahi ʻo Tonga. Naʻe kamata ngāue ʻa e ANZ ʻi Tonga talu mei he 1969, pea ʻoku ne puleʻi fakakakato ia ʻe he Pangike Lahi ʻa e ANZ ʻoku tuʻu ʻi Melbourne, ʻAositelēlia.
Ko e founga ngāue ʻa e ANZ Tonga ʻoku ne fakatefito ki he tokoni ki he ngaahi fiemaʻu fakapaʻanga ʻa e kakai takitaha, ngaahi pisinisi iiki mo e lahi. ʻOku kau ʻi heʻene ngaahi taumuʻa ʻa e kakai ʻoku maʻu totongi, ngaahi pisinisi iiki mo e lahi ʻoku fiemaʻu ha kolua, ha ngaahi teuga, mo e ngaahi ngāue ke fetongi ʻaki ʻa e paʻanga fakavahaʻapuleʻanga. ʻOku fakapapauʻi ʻe he tuʻunga ko ʻeni ʻo e kautahá ʻoku ne fakafetongi ʻa e ngaahi fiemaʻu fakapaʻanga lahi ʻo e fonua, ʻo tokoni ki he tupu mo e tuʻumalie fakapaʻanga ʻo Tonga.
Neongo ʻoku ʻikai ha fakaikiiki ʻo e kau pule ʻo e Pangike ʻo e ANZ ʻi Tonga ʻoku fakahaaʻi fakapuleʻanga, ʻoku ʻiloa ʻa e kautahá ʻi heʻene ngaahi ngāue lelei mo e puleʻi fakapotopoto. ʻOku tuʻu maʻu ʻa e ANZ ʻi heʻene fakaʻaongaʻi ʻa e ngaahi founga fakatekinolosia fakaʻata ke fakafaingofuaʻi ʻaki ʻa e ngaahi ngāue fakapaʻanga ki he kau kasitoma, ʻi he taimi tatau pē mo hono fakaʻatā ʻo e ngaahi ngāue ʻi he palani ʻo e pangiké ʻi Nukuʻalofa.
Ngaahi Kolua Ngāue Fakapaʻanga mo e Tuʻunga Tupu ʻa e ANZ
ʻOku ʻomi ʻe he ANZ ha ngaahi kolua kehekehe ke fakafetongi ʻaki ʻa e ngaahi fiemaʻu fakapaʻanga ʻa e kakai ʻo Tonga. Ko e ngaahi fakaikiiki ʻo e kolua ʻoku kau ai ʻa e:
- Ngaahi Kolua Fakakakai (Personal Loans):
- Tuʻunga Tupu Fakamoʻoni (Secured Rate): 12.40% ʻi he taʻu.
- Tuʻunga Tupu Taʻefakamoʻoni (Unsecured Rate): 13.40% ʻi he taʻu.
- Vahaʻataimi: mei he taʻu ʻe 1 ki he 7.
- Paʻanga Siʻisiʻi taha - Lahi taha: 5,000 TOP ki he 75,000 TOP.
- Ko e fiemaʻu fakamoʻoní ʻe lava pē ko ha koloa fakafale, ngāueʻanga, pe ko ha paʻanga teunga.
- Ngaahi Kolua Fale (Home Loans):
- Tuʻunga Tupu Fetuʻutaki (Variable Rate): 6.99% ʻi he taʻu.
- Vahaʻataimi: Aʻu ki he taʻu ʻe 30.
- Paʻanga Kamata: Mei he 50,000 TOP.
- Ko e kolua ko ʻeni ʻoku fiemaʻu ai ha koloa fakafale.
- Ngaahi Kolua Pisinisi (Business Term Loans):
- Vahaʻataimi: mei he taʻu ʻe 1 ki he 10.
- Paʻanga Kamata: Mei he 50,000 TOP.
- ʻOku fiemaʻu ʻa e koloa ʻo e pisinisi, pe ko ha fakamoʻoni mei he kau pule ʻo e kautahá.
- Ngaahi ʻOvatulafi (Overdraft Facilities):
- Founga ngāue: Fetuʻutaki.
- Paʻanga Kamata: Mei he 10,000 TOP.
- Ko ha founga lelei ki he ngaahi pisinisi ʻoku fiemaʻu ha paʻanga vave ki heʻenau ngaahi ngāue fakaʻaho.
Ko e ngaahi tōtō ʻo e ANZ ʻoku fakaikiiki mo fakamoʻoni. ʻOku totonu ke ʻilo ʻe he kau kolotiana fakafeʻao ʻa e ngaahi tōtō ko ʻeni ki muʻa pea nau fakamoʻoni ki ha kolua:
- Tōtō Kole Kolua Fakakakai Taʻefakamoʻoni: 250 TOP.
- Tōtō Kole Kolua Fakakakai Fakamoʻoni: 500 TOP.
- Tōtō Kole Kolua Fale: 650 TOP.
- Tōtō Kole Kolua Pisinisi: 1.50% ʻo e paʻanga kolua (siʻisiʻi taha 300 TOP).
- Tōtō Tōmui Totongi: 20 TOP hili ʻa e ʻaho ʻe 5.
- Tōtō Fakaleleiʻi Kolua: 80 TOP ki he ngāue takitaha.
- Tōtō Puleʻi ʻOvatulafi: 0.10% ʻi he mahina ʻi he lahi ʻo e paʻanga.
ʻOku ngāue ʻa e ngaahi tōtō ko ʻeni talu mei he ʻaho 5 ʻo ʻAokosi 2024. Ko e ngaahi fiemaʻu fakamoʻoni ki he ngaahi kolua fakakakai fakamoʻoni mo e ngaahi kolua fale ʻoku kau ai ha koloa moʻoni, pepa ʻo ha meʻalele, pe ko ha paʻanga kuo teunga maʻu. Ki he ngaahi kolua pisinisi, ʻe fiemaʻu ha koloa ʻo e pisinisi, ngaahi koloa ʻoku ʻi he fale koloa, pe ko ha fakamoʻoni mei he kautaha.
Founga Ngāue, Polokalama Telefoni mo e Tuʻunga Fakae-Fakalukapoto
Ko e ANZ ʻoku ne fakaʻaongaʻi ʻa e ngaahi founga kehekehe ke fakafaingofuaʻi ʻaki ʻa e ngaahi kole kolua ki he kau kasitoma. ʻOku kau ʻi he ngaahi founga ngāue ʻa e:
- Polokalama Telefoni ʻa e ANZ Pasifiki (ANZ Pacific App): ʻOku malava ke download ʻeni ʻi he iOS mo e Android, ʻo ne ʻomi ha founga vave mo faingofua ke puleʻi ʻaki ʻa e ngaahi ʻakauni mo e ngaahi fakaikiiki ʻo e kolua. Ko e polokalama ko ʻeni ʻoku ne fakatefito ki he ngaahi ngāue fakapangike pisinisi, pea ʻoku ne maʻu ha tuʻunga fetuʻu ʻe 4.2 ʻi he Google Play ʻi he 2024. ʻOku kau ʻi heʻene ngaahi ngāue ʻa e fakaʻuhinga ʻo e ʻakauni, fakaikiiki ʻo e kolua, mo e fetongi paʻanga fakavahaʻapuleʻanga.
- Pangike ʻi he ʻInitaneti: ʻi he anz.com/tonga, ʻoku ʻomi ai ha pangike ʻinitaneti ʻoku faingofua ke fakaʻaongaʻi mo ʻi ai mo ha ngaahi toliʻanga kolua.
- ʻI he Palani: ʻOku malava foki ke fai ʻa e ngaahi kole kolua ʻi he palani ʻo e ANZ ʻoku tuʻu ʻi he Fakafanua Centre, Nukuʻalofa.
Ki he founga kole mo e lesisita (KYC & Onboarding), ʻoku fiemaʻu ʻa e ngaahi pepa ko ʻeni:
- Kāati ʻiloʻanga naʻe ʻomi ʻe he puleʻanga.
- Fakamoʻoni ʻo e maʻuʻanga moʻui (pepa totongi/pepa ʻakauni pangike).
- Foomu ʻiloʻanga kasitoma (ʻi he palani pe ʻi he ʻinitaneti).
Ko e founga ʻa e ANZ ki he fakaʻuhinga kolua (Underwriting Methodology) ʻoku ne fakaʻaongaʻi ha founga fakaikiiki, ʻo kau ai ʻa e tuʻunga maʻu ngāue ʻo e taha, lahi ʻo e moʻua ki he maʻuʻanga moʻui, mo e ngaahi fakamatala mei he ofisi fakakolotiana. ʻE fai ha vakaiʻi fakataautaha ki he ngaahi kolua ʻoku laka hake ʻi he 100,000 TOP.
Ko e ngaahi founga tufa paʻanga ʻoku kau ai ʻa e fakahu ki ha ʻakauni ANZ, toʻo paʻanga ʻi he palani, pe fakahu ki ha ʻakauni paʻanga telefoni (ʻo fakafou ʻi he Digicel/Peoples). Ki he fakatonutonu mo e tanaki moʻua, ʻoku ngāue ʻa e ANZ ʻaki ha ngaahi totongi ʻauto-debit, ngaahi fakamanatu SMS mo e ʻīmeili, pea mo e ngaahi fakaʻuhinga fakalao ki he faingataʻaʻia fakapaʻanga.
ʻOku puleʻi ʻa e ANZ ʻe he Pangike Pule Lahi ʻo Tonga ʻi he malumalu ʻo e Lao ki he Ngaahi Pangike. ʻOku ne fai ki he ngaahi sivi fakapaʻanga fakataimi pea mo e ngaahi fiemaʻu lahi ʻo e paʻanga. ʻOku ʻikai ha ngaahi tautea fakapuleʻanga ʻoku lekooti ʻi Tonga, neongo naʻe tauteaʻi ʻa e ANZ Group ʻi ʻAositelēlia ʻi he 2023. Ki he maluʻi ʻo e kau kasitoma, ʻoku fakahaaʻi fakapuleʻanga ʻe he ANZ ʻa e ngaahi tōtō pea ʻoku malava ke fai ha fakafeʻatungia ʻi he Komisoni Fakafeʻatungia Fakapaʻanga.
Tuʻunga ʻi he Maketi ʻo e ANZ mo e Fakahoa ki he Kau Fakafeʻao
ʻI he maketi fakapaʻanga ʻo Tonga, ko e ANZ ko ha taha ia ʻo e pangike fakapisinisi ʻe fā, ʻo ne puleʻi ʻa e tōtō ʻe 25% ʻo e kolua ʻa e sekitoa taautahá. Ko hono kau fakafeʻao mahuʻinga ʻoku kau ai ʻa e Bank of South Pacific (BSP), Tonga Development Bank (TDB), mo e MBf Bank.
Ko e ngaahi meʻa ʻoku kehekehe ai ʻa e ANZ mei heʻene kau fakafeʻao ʻoku kau ai ʻa e:
- Palani Fakaʻata Malohi mo e Netiueka Fakavahefonua: Ko e ANZ Pasifiki App mo ʻene ngaahi ngāue ʻinitaneti ʻoku ne ʻomi ha founga vave mo faingofua ki he kau kasitoma ke fai ʻenau ngaahi ngāue fakapaʻanga.
- Tuʻunga Fetuʻutaki Lelei ʻi he Fetongi Paʻanga mei he ANZ Nuʻusila: ʻOku fakaʻatā ʻe he ANZ ha ngaahi tuʻunga fetongi paʻanga lelei ki he fetongi paʻanga mei Nuʻusila ki Tonga, ʻo tokoni ki he kakai ʻoku fekauʻaki mo e ngaahi famili ʻi Nuʻusila. Kuo fakasiʻisiʻi foki ʻe he ANZ ʻa e ngaahi tōtō ki he fetongi paʻanga mei Nuʻusila-Tonga ʻi heʻene ngāue fakataha mo e ANZ Nuʻusila.
ʻOku ʻi ai ʻa e palani ʻe taha ʻo e ANZ ʻi Nukuʻalofa pē, ka ʻoku ne aʻu ki he ngaahi ʻotu motu mamaʻo ʻaki ʻa e ngaahi ATM ʻoku fakataha mo e BSP mo e TDB, pea mo e ngaahi ngāue fakapangike fakafou ʻi he ngaahi ʻofisi pōsiti. Ko e kau kasitoma ʻo e ANZ ʻoku fakafuofua ki he 20,000 taha, pea mo e 500+ ʻakauni pisinisi iiki mo e lahi.
Ko e ngaahi fakamatala ʻa e kau kasitoma ʻoku lelei ʻi he faingofua ʻo e kole ʻi he ʻinitaneti, neongo ʻoku ʻi ai ha ngaahi taimi ʻoku faingataʻa ai ʻa e polokalama telefoni. ʻOku fuofuaʻi ʻa e ngāue ʻi he palani ʻo e pangiké ʻi he 4/5 ʻi he ngaahi nusipepa fakalotofonua. Ko e ngaahi fakafepaki angamaheni ʻoku kau ai ʻa e toloi ʻi he fuofuaʻi ʻo e koloa fakamoʻoni mo e ngaahi tōtō lahi ki he ngaahi kolua fakamoʻoni. ʻOku ʻi ai ʻa e ANZ ha telefoni tokoni ki he kau kasitoma pea mo e houa lōloa ki he tokoni ʻi he pangike ʻinitaneti.
Fakaʻuhinga ʻAonga ki he Kau Kolotiana Fakafeʻao
Ki he kakai ʻoku nau fakakaukau ke kole ha kolua mei he ANZ, ʻoku ʻi ai ha ngaahi fakaʻuhinga ʻaonga ʻe lava ke tokoniʻi ai koe ke ke fai ha fili poto mo fakapotopoto:
- Teuteu Kakato ʻo e Ngaahi Pepa: Ki muʻa pea ke fai hoʻo kole, fakapapauʻi ʻoku kakato kotoa hoʻo ngaahi pepa fiemaʻu (kāati ʻiloʻanga, pepa totongi, pepa ʻakauni pangike). Ko e teuteu lelei ʻe lava ke fakavaveʻi ai ʻa e founga kole mo hono fakaʻuhingá.
- Fakaʻuhinga lelei ki he Ngaahi Tuʻunga mo e Tōtō: Fakamaama lelei ʻa e tuʻunga tupu, ngaahi tōtō kotoa pē (kau ai ʻa e tōtō kole, tōtō fakaleleiʻi, mo e tōtō tōmui totongi), mo e vahaʻataimi ʻo e koluá. ʻOua naʻa teitei fakamoʻoni ki ha kolua kae ʻoua kuo ke ʻilo kakato ʻa e kotoa ʻo e ngaahi fakaikiiki. ʻE lava ke fakaʻaongaʻi ʻa e toliʻanga kolua ʻi he ʻinitaneti ʻo e ANZ ke ke maʻu ai ha fakafuofua.
- Fakahoa ki he Ngaahi Pangike Kehe: ʻOua ʻe tō ki he pangike ʻe taha pē. Fai ha fekumi ki he ngaahi kolua ʻoku ʻomi ʻe he BSP, TDB, mo e MBf Bank ke fakahoaʻi ʻaki ʻa e ngaahi tuʻunga tupu mo e tōtō ke ke maʻu ai ʻa e alea lelei taha ʻoku feʻunga mo hoʻo fiemaʻu.
- Fakatotongi Fakapotopoto: Fakapapauʻi ʻe lava ke ke totongi maʻu pē ʻa e koluá ʻo fakatatau ki he alea kuo fai. Fakaʻuhingaʻi lelei hoʻo ngaahi ngāue fakamahina mo hoʻo maʻuʻanga moʻui ke ʻoua naʻa ke lōmekina ʻi he moʻua. Ko e vahevahe ʻo e ngaahi kolua ko ha fatongia ia ʻoku fiemaʻu ai ha puleʻi lelei fakapaʻanga.
- Fakaʻaongaʻi ʻa e Polokalama Telefoni: Kapau ʻoku ke fie maʻu ha founga faingofua ke puleʻi ʻaki hoʻo kolua, fakaʻaongaʻi ʻa e ANZ Pasifiki App. Ka ʻoku totonu ke ke ʻiloʻi ʻa e ngaahi taimi ʻe taha ʻoku faingataʻa ai ʻa e polokalama.
- Fetuʻutaki mo e Pangike: Kapau ʻoku ke fehangahangai mo ha palopalema pe ʻoku ʻi ai haʻo ngaahi fehuʻi, ʻoua ʻe toe toloi ke fetuʻutaki ki he kautaha telefoni tokoni ʻa e ANZ pe ʻaʻahi ki he palani. Ko e fetuʻutaki vave ʻe lava ke fakasiʻisiʻi ai ʻa e ngaahi palopalema.
ʻI he fakaʻaongaʻi ʻo e ngaahi fakaʻuhinga ko ʻeni, ʻe lava ke ke maʻu ai ha tuʻunga lelei ange ʻi he ngaahi kolua ʻa e ANZ, ʻo fakapapauʻi ʻoku ke fai ha fili fakapaʻanga ʻoku feʻunga mo hoʻo ngaahi taumuʻa.
