Tātaitai Moni Tuku

I Aotearoa, ko te tapuinga tikanga e hiahiatia ana ki te hoko whare ko te 20% o te utu hoko, i raro i ngā here āhuatanga taurewa-ki-uara (LVR) a te Pūtea Reehia o Aotearoa (RBNZ). Mō tētahi whare $700,000, ko tēnā ko tētahi tapuinga $140,000. E āhei ana ngā kaipupuri e noho ana ki te tāruarua kia hiki me ngā tapuinga iti rawa 10%, engari ko tētahi wāhanga iti o ngā tāruarua hou anake (ko nāianei ko te 15% o ngā tāruarua kainoho hou) e taea ana te LVR i runga ake i te 80%. Ko te hua, he tino nui te whakataetae mō ngā tāruarua tapuinga iti. Engari, mō ngā kaihoko whare tuatahi e whakamahi ana i te First Home Loan (e tautokona ana e Kāinga Ora), ka taea te hoko me ngā tapuinga iti rawa 5%, e ai ki ngā taupae moni whiwhi me ngā utu whare. Ka taea hoki ngā tiaki KiwiSaver te tango mō tētahi tapuinga whare tuatahi (whai muri i ngā tau e toru o te mema). Mō ngā rawa haumitanga, ko te 30% te tapuinga iti rawa e hiahiatia ana i raro i ngā ture LVR a RBNZ. Puna: RBNZ — LVR Restrictions (rbnz.govt.nz); Kāinga Ora — First Home Loan.

Mā ngā here āhuatanga taurewa-ki-uara (LVR) a te Pūtea Reehia o Aotearoa (RBNZ) e here te ōrau o ngā tāruarua LVR-teitei ka taea e ngā pēke. Mō ngā kaipupuri noho — tae atu ki ngā kaihoko whare tuatahi — e āhei ana ngā pēke ki te tāruarua kia eke ki te 90% LVR (arā, 10% tapuinga) mō te 15% noa o ā rātou tāruarua mōkete noho hou. Heoi anō, i te mahi tonu, ko te 20% neke atu te tapuinga e tūmanakohia ana mō te nuinga o ngā kaihoko whare tuatahi, ahakoa ka wātea ētahi tāruarua tapuinga-iti. Engari mō ngā kaihoko e whakamahi ana i te First Home Loan, e tautokona ana e te kāwanatanga mā Kāinga Ora, kāore ngā here LVR e pā mai. Ka taea te hiki ki te 5% noa te tapuinga, e ai ki ngā taupae moni whiwhi whānau — arā, $95,000 mō tētahi kaihoko, $150,000 mō ngā kaihoko e rua, neke atu rānei — me ngā taupae utu whare ā-rohe. Kua whakakapia te Welcome Home Loan ki te First Home Loan. Hei tāpiri, ka arotakehia ngā ture LVR i ia wā, ā, ka taea te huri. Puna: RBNZ — LVR Restrictions (rbnz.govt.nz); Kāinga Ora — First Home Loan (kaingaora.govt.nz).

Ko te tiaki i tētahi tapuinga whare i Aotearoa tētahi o ngā wero pūtea nui rawa atu mō ngā kaihoko whare tuatahi. I tētahi utu whare motu-orite tata ki te $750,000 (2025), ko tētahi tapuinga 20% e hiahia ana i te $150,000. Ko te tiaki ki te $1,000 ia marama (he rēti tiaki tikanga mō tētahi kaimahi i muri i ngā rēti noho me ngā utu oranga i Taamaki Makaurau, Pooneke rānei) ka roa 12.5 tau me te kore tipu haumitanga. Me ngā takoha KiwiSaver 3% mō tētahi utu $70,000 ($2,100/tau kaimahi + $2,100/tau kaituku mahi + tapiri kāwanatanga $260.72), ka pai haere te rēti tiaki taupanga. Ma te whakamahi i te tātaitanga tapuinga a Sorted me te takoha ki tētahi pūtea KiwiSaver ōkawa e whiwhi ana i te 4–5% ia tau, ka taea i te nuinga o ngā wā e ngā kaihoko whare tuatahi te whainga ki tētahi tapuinga 10% i roto i ngā tau 5–8 mō ngā rawa i ngā rohe utu māmā ake. Ka taea anō te whakaiti i te wā tiaki ma te whakamahi i te Takoha Tiaki KiwiSaver HomeStart (ki te $10,000 mō tētahi whare o mua). Puna: Kāinga Ora — KiwiSaver HomeStart Grant; CoreLogic NZ House Price Index.

Ko te First Home Loan (i kiia ko te Welcome Home Loan) he kaupeka mōkete ka tautokona e te kāwanatanga, ka whakahaerea e Kāinga Ora, ka wātea ma ngā kaiwhakarato kowhiri tae atu ki te nuinga o ngā pēke nui me ngā pūtea hohona. Ka taea e ngā kaihoko whare tuatahi toopuutia te hoko me ngā tapuinga iti rawa 5% i to tikanga 20%, ka whakarite ake i te noho-rawa ki te whare i tomua ake. Hei tohu, me he kaihoko whare tuatahi koe (me he orite ki tēnā āhuatanga rānei), me tutuki ngā taupae moni whiwhi whānau ($95,000 mō tētahi kaihoko takitahi, $150,000 mō ngā kaihoko e rua, neke atu rānei), me tutuki ngā taupae utu whare a-rohe (ka rerekē mai i te $500,000 i ētahi rohe ki te $875,000 i Taamaki Makaurau), me te hiahia ki te noho i roto i te whare. Ka tuku te kāwanatanga i tētahi haumaru ki te kaiwhakarato e aarahina ana i te 15% o te utu hoko, ka whakaheke i te tūraru o te kaiwhakarato a ka taea ai te tapuinga iti ake. Kāore e hiahiatia ana te inihua mōkete kaiwhakarato (LMI) pērā ki ngā tāruarua tapuinga-iti tikanga. Puna: Kāinga Ora — First Home Loan (kaingaora.govt.nz).