Kaiwhakamahere Tahua Pūtea

Ko te ture 50/30/20 he anga tahua ngawari e tohu ana ki te toha i te 50% o moni whiwhi i muri i te tāke ki ngā hiahia (whare, utauta, kai, waka, inihua), 30% ki ngā hiahia kōhirangi (kai i waho, ngahau, ohaurunga, haakari), me te 20% ki ngā penapena me te whakahoki nama. I roto i te horopaki o Aotearoa, ko te ture he tīmata whai hua tonu, ahakoa ko ngā utu whare teitei i Tāmaki Makaurau me Te Whanganui-a-Tara ka tere neke ake i te 50% te wāhanga "hiahia" mō ngā kāenga maha. Me ngā renti o Tāmaki Makaurau tata ki te $600-700 ia wiki me te moni whiwhi kāenga waenganui o Aotearoa tata ki te $110,000, ko te whare anake ka kai i te 30-40% o te utu-roto. Ka tohu a Sorted NZ ki te whakarite i te anga ki o āhuatanga ake me te kore e mau ki te ture Pākehā. Ko te mātāmua matua — te toha waiwaia o ngā moni whiwhi ki ngā hiahia, ngā hiahia kōhirangi, me te haumaru ā-muri — ka pā ki ia tangata. Puna: Sorted NZ (sorted.org.nz); Statistics NZ (stats.govt.nz).

Ko Tāmaki Makaurau te taone me te utu tino nui rawa atu o te ora i Aotearoa, ka whakapau a tikanga ko tētahi tokorua i te $3,500 ki te $5,000 ia marama mō ngā mea matua (renti, kai, utauta, waka, inihua). Ko Te Whanganui-a-Tara he rite tonu te utu nui ki te $3,000 ki te $4,500 ia marama mō tētahi tokorua, ko Otautahi he ngawari ake ki te $2,500 ki te $3,800 ia marama. Ko Kiingitanga, Tauranga, me ētahi atu taone rohe ka iti ake anō te utu. Ko te kaupeka nui rawa atu o ngā rereketanga utu ko te whare: ko te renti waenganui o Tāmaki Makaurau tata ki te $600-700 ia wiki mō tētahi whare ruma moe 2-3 ki te $500-620 i Te Whanganui-a-Tara me te $420-550 i Otautahi. Ko ngā utu kai, utauta, me waka he rite tahi whānui i roto i te motu. Ka homai e te Rangahau Whakapaunga Kaaenga a Stats NZ ngā whakawehewehe a-rohe taipitopito. Hei tahua tika, whakamahia te taputapu tahua rorohiko kore-utu a Sorted NZ i sorted.org.nz, ka taea te whakarite mō to wāhi me te rahinga o to kāenga. Puna: Stats NZ; Sorted NZ (sorted.org.nz).

Ka tohu te tikanga e ngā kaiwhakaahua pūtea i Aotearoa kia tiakina ngā 3 ki ngā 6 marama o ngā whakapaunga oranga matua ki roto i tētahi pūkete penapena wātea, hei tahua ohotata. Mō tētahi kāenga o Aotearoa e whakapau ana i te $4,000 ia marama mō ngā mea matua, ko tēnā ko te $12,000 ki te $24,000 i tāpaehia. E tohu ana a Sorted.org.nz, ahakoa ko tētahi tahua ohotata tīmata $1,000, ka homai he tiakitanga whai hua ki ngā ohotata tikanga pērā i ngā whakatikatika waka, ngā pire ohore rānei. Heoi anō, ka whakawhirinaki te tapeke tika ki ō āhuatanga: ko ērā i roto i ngā mahi pūmau, ka pai ki te 3 marama; engari ko ngā kirimana, kaimahi, me ērā me ngā mate, ngā tamariki rānei, me aro ki te 6 marama neke atu. Me noho tō tahua ohotata ki roto i tētahi pūkete penapena hua-teitei ka ngāwari te uru, engari he wehe ake i tō pūkete o ia rā, kia kore ai e whakapauhia noa. Kaua e haumia ō tahua ohotata ki KiwiSaver, hea rānei, nā te mea kāore pea e taea te uru tere, ka iti ake rānei te uara i te wā e hiahia ana koe. Puna: Sorted NZ (sorted.org.nz).

Hei tahua hua i Aotearoa, ko ngā wāhanga whakapaunga matua hei arotahi ko: Whare (renti, mōkete rānei, utu whakahaere, reiti, inihua kāinga, me ngā tiaki — a tikanga 30-40% o ngā moni whiwhi mō ngā kāenga o Aotearoa); Waka (taurewa waka, penehini, rēhitatanga, WOF, inihua, utu waka-turanga tumatanui rānei); Kai me ngā rawa kai (ka whakapau a tikanga ko ngā kāenga o Aotearoa i te $250-400 ia wiki mō tētahi whānau tokowha); Utauta (hiko, kapura, ipurangi, waea); Inihua (hauora, oranga, tiaki moni whiwhi, ngako whare); Ake (kakahu, tiaki ake, roto haumaru); Ngahau me te kai i waho; Penapena me ngā koha KiwiSaver; me ngā whakahokinga nama. Ka homai e te taputapu tahua a Sorted NZ i sorted.org.nz ngā iriiri wāhanga ake mō Aotearoa, ka tohu anō ki te āhua o whakapaunga e whakataurite ana ki ngā toharite o Aotearoa. Ko te whai muri ma tētahi taupanga, ripanga tātai rānei mō te 3 marama iti rawa ka whakaatu i ngā āhua ka kore pea e marama mai i te mahara anake. Puna: Sorted NZ (sorted.org.nz); Stats NZ.