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Maori (and only Maori) have been offered no deposit home loans as New Zealanders have been told to save for a deposit. It may look like I am discriminating with that comment as aren’t we all New Zealanders but I ask you, who is doing the discriminating?
Housing spokesperson and Māori Party co-leader, Tariana Turia, is proud that another key milestone in the Māori Party's policy manifesto has been achieved with the Housing Minister's announcement of a new home ownership product called Kāinga Whenua (and why won’t she be).
"Our policy priority was to resource iwi and Māori organisations to develop sustainable housing initiatives" said Mrs Turia. "This came from our recognition that Māori often have the land but not the income to service borrowing" said Mrs Turia. "We were particularly keen to encourage investment in multiply owned land, so that Māori would be able to experience home ownership on their own papakāinga".
I guess as the Crown will guarantee the loans that will be in partnership with Kiwibank and Housing New Zealand (which we as New Zealanders have an interest in) our investment will be safe. Remember they will be building single storey homes on wooden piles so if, and I say if, they don’t pay, the house will be taken away.
Can you see it, hey Bro’ we are here to take your house, get your gear out and unplug the power.
The government played a similar Maori / Polynesian card back in the 90’s which didn’t come to anything apart from all the racist remarks I received for marketing the offer. As I said to the irate people at the time and there were a few, I didn’t make the policy and if I did any proposal would be targeted at the majority rather than the minority.
With this new initiative, it was reported that 180 loans are expected to be offered under the scheme in its first year however, it was also reported that there are 10,000 people on Housing New Zealand’s waiting list.
Fundamentally flawed? Looks that way doesn’t it.
I am not Maori bashing here but come on, constantly singling Maori out for special treatment does wear a little thin at times especially when there are so many others in a similar position.
Sure the Maori have their own land and the Pakeha doesn’t but couldn’t the government change that.
It has been well document that I am an advocate for leasehold land to make housing more affordable. I am not asking for a hand out, rather a helping hand for all New Zealanders that need assistance.
Housing would be much more affordable, for a lot more than 180, if the government and or councils worked in tandem with developers.
To those that wrote to me asking me to make their feelings known, thank you for contacting me. I can assure you I will never be silenced when it comes to righting the wrong or at least bringing the facts to people’s attention and I do feel an injustice as happened here.
It is only by working together that we can make things happen and absurd Brownie-point gathering such as this ridiculous package is not going to benefit anyone in the end. If history is anything to go by, I believe this is doomed for failure.
All one needs to do is look over their shoulder at the carnage caused throughout the world when people had little to no equity (hurt money) in projects. I am talking of those that had up to 100% lending who simply handed their keys back to the Banks and moved on when the going got tough. Yet before the dust has settled, we are at it again.
Brian Dalley is a leading Property Consultant | former NZMBA Mortgage Broker, and Real Estate Agent. You can read more of his views and opinions on his website www.propertyprofit.co.nz.
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Comments
What an ill-informed blog
What an ill-informed blog post. The Kainga Whenua initiative is based on one that the Government already offers to all New Zealanders, the Welcome Home Loan package. Those who utilise the Kainga Whenua are able to borrow up to $200,000 without needing a deposit similarly under the Welcome Home loan package home buyers can also borrow up to $200,000 without needing a deposit. The only difference is that the Kainga Whenua offers is that it gives those who own shares in Maori land a resource to be able to build their own home. I suggest the reason why the Government would guarantee thse loans is because mainstream banks are often reluctant to lend on these sorts of properties because of the concept of communal ownership and the lack of security this offers. Fair call by the banks but Maori owned land equates to 5 per cent of all the land in New Zealand and surely isn't it better if these people are given the opportunity their own home on land which belongs to them particularly if it alleviates some of the demand for Government welfare such as state housing.
My understanding is the
My understanding is the money is coming from Kiwibank
Being a former Kiwibank
Being a former Kiwibank staff member up until approx 4 weeks ago I can confirm that everything you haven't written is correct (particularly the point about Brian Dally being ill informed!) and yes Kiwibank is "piloting" the scheme just as it did when Welcome Home loans were introduced.
Rights and Privileges !! I
Rights and Privileges !!
I totally understand your take on the above's comments. Often Maori are unaware that they can apply for a mortgage using land owned by multiple Maori owners. It's a good thing and I'm not knocking it.
What is upsetting is the tipping-point in he bigger picture that seems to be leaning heavily in the Maori direction.
This actually breaches Treaty Of Waitangi.
"Article the third [Article 3]
In consideration thereof Her Majesty the Queen of England extends to the Natives of New Zealand Her royal protection and imparts to them all the Rights and Privileges of British Subjects."
This swings BOTH WAYS!
Yes Kiwibank is the lender,
Yes Kiwibank is the lender, just as they are under the Welcome Home loan scheme. The Government, however, will act as guarantor for those Kainga Whenua loans because a loan from a mainstream to improve the property can rarely be raised against Maori owned land.
so much for one nation! New
so much for one nation! New Zealand should have been taken by force from the outset.. guns should never have been traded with Maoris. All land should have been taken by force by the crown and we wouldnt have the problems we do today trying to straighten out the treaty. When ever you have two different interpretations of the treaty at the time of signing, you have prolong trouble... especially by some Maori who want everything under the sun for nothing. If they got proper educations and jobs, then they wouldn't have to worry about free handouts. Sounds Racist? Well it's just reality folks!
Education? you need it,
Education? you need it, jobs, youll need one soon, you might even need a house,i dont want your name on the dole cue but it will be there, so miss mrs or mr smug get a life after all its just relity folks
Going by your response it is
Going by your response it is obvious you're the one who needs education. Gads, can't even spell properly. Let alone string together a cohesive sentence.
Dear kiwis why dont you stop
Dear kiwis why dont you stop Maori bashing and stop generalizing not all Maori need your hand out, most of us (kiwi maori)have pakeha, chinese,American, Irish, scotish, nuie,german, samoan, indian and a mixture of other races to many to mention, so why are these mixed bloods still called maori? is because they have olive skin or because sociatie has decided be cause they take there MAORI culture they classed as Maori, well yes the are and they have another side that which is not mentioned in any court or the media dose the same ie ( a Maori youth was caught etc etc but that youth was part pakeha so why didnt it read a european youth was caught etc etc that is what i call down right Maori bashing, so kiwiians lets not bash the tangata whenua because, you never know, you might be part Maori and dont know it, look back into you ancestary you might be surprised. wouldnt that be wonderful. hmmm
Maybe it's because so many
Maybe it's because so many "so called" Maori claim everything under the sun as Maori, yet have any number and/or percentage of other blood in them. Ken Mair comes rapidly to mind. 90% Honky but says he's "a Maori and proud of it."
Yeah, there's many people with Maori blood in them. Many of them accept that they are NZ'ers first, and Maori a long way bloody second. That's a quote I've heard from a number of part Maori. And most of them don't push for a hand out. Unfortunately, so many so called Maori do.
If a part Maori (who is also part Pakeha) is caught offending why don't they call him part European? Well for one thing you need to define exactly what Pakeha means. I have heard several contradictory meanings. All from self described Maori. And if a white person doesn't come from Europe why would you call him European, or part thereof. While we are at it why don't we just call them half breeds. Just as offensive to me as calling me European. I'm not. Born and bred in New Zealand. White as. What does that make me apart from a New Zealander? A Caucasian. That's what. Do I sound angry? Well I'm not, rather I'm pissed off at all the antagonism abounding with racist overtones. Quite frankly, why can't we all just get along?
Hey are we kiwi or what ,the
Hey are we kiwi or what ,the last time i looked kiwis were good caring people lets help each other ,rather than shoot each other .Come on folks , i logged on to look at imformation about housing and ........i thought i was in a slangging match.If the Goverment can help maori to get into their own homes on their own land ,rather than paying rent to them for the rest of their lifes.Then good on them .We are people not a thing ,and each one has their own story,My ten cents worth is ,Good on ya Kiwi bank ,Go the government ,They need to be in the business of empowering people not the opposite ,what ever happens they have to pay the bank anyway , so its not a hand out its a hand up.
What is left when your land
What is left when your land and family have been taken from you? It's like having your legs cut off and yet your still being told to walk.
How would you like it if some one came in and took your house, messed with your family and then just told you to deal with it I wonder?
That kind of violation does damage to the soul. It has caused mistrust, low self esteem, and hurt, hurt that has been handed down from generation to generation.
The damage was caused by Pakeha and can only be fixed by pakeha.
Instead of thinking about this housing initiative or any maori initiative for that matter in the context of a hand out, think of it as helping us to restore our mana so that we can walk again and contribute to our beautiful country once more.
hmmm I would love to see who
hmmm I would love to see who these Maori are that are benefiting from all the "slinging out of Maori for special treatment". and who these Maori are that have land. I can show you iwi's that have land but cant use and I can show you a whole lot of pakeha that do have land and can use.
Perhaps more focus should not be given on what Maori are supposedly recieving but perhaps how it is being distributed. As currently with all these "special treatments" Maori supposedly have, Maori are yet still to recieve these individually.
In answer to hmmm I would
In answer to hmmm I would love to see who ... maybe this is something you should be shouting from the hilltops ... not sure who you are pointing the finger at as I thought it was being distributed by Maori ... or are pakeha ( and I find that word offensive ) being blamed for that as well???
if your not happy with being
if your not happy with being with white man, take off those shoes, make some bone hooks and a waka and piss of, help save my taxes thats for sure
if your happy to live with white man, ^white man has to live with you^
then your welcome to use everything we have provided even the dole, just stop segragating yourselves from us. and use 1 flag because we are 1 country.