Hoki ki Mokete & Rawa
Tātaitai Moni Tuku
Whakamāheretia te wā ki te penapena moni tuku whare 20% i Aotearoa. Whakaarohia te tangohanga KiwiSaver, Pūtea Āwhina Whare, me ngā takoha penapena.
Ka noho ngā raraunga ki tō pūrereRaraunga whare
Mō tēnei tātaitai
Ka whakatinanahia e tēnei tātaitai ngā paerewa tāpui LVR mai i Reserve Bank of New Zealand. Tirohia whakamutunga 15 Māehe 2026. Whakamanahia ngā tatauranga mā te whai i te hononga.
Ngā hiahiatanga tāpui
FY 2026-27- •Kainoho paerewa: 20% (tepe LVR 80%)
- •First Home Loan: 5% pute tāpui āheitia
- •Kaihaumi: 30% (tepe LVR 70%)
- •Tepe moni kotahi: $95,000
- •Tepe moni hoa: $150,000
- •Tepe utu whare: Ka rerekē ki te rohe ($500k - $875k)
Whakatūpato
He whakatau tata nō tēnei tātaitai, hei whakamōhio noa iho. Kaua e whakawhirinaki ki ēnei hua hei tohutohu pūtea, tāke, ture rānei. E ai ki ngā raraunga tūmatanui a te IRD, ā, ka huri pea. Me kōrero ki tētahi kaitohutohu pūtea tohu mō ōu āhuatanga ake.
He aha te rahi o te tāpui e hiahiatia ana?
Ko te tāpui paerewa ko te 20% o te uara whare.
- 1
Tāpui paerewa
Deposit_20% = property_value × 0.20
Ka karo i te LEP.
- 2
Tāpui mōrahi
Min_deposit = property_value × 0.05 (via Kāinga Ora FHL)
Ka pā ngā tepe moni whiwhi.
- 3
Marama ki te penapena
Months = (deposit_needed − current_savings) ÷ monthly_savings
Tāpirihia te 5% mō ngā utu kē.
Tauira
Tāuru: $700k, 20%, $1,500/marama, $15k
Hua: Hiahia $140k. Toe $125k. 7 tau.
Ngā Pātai Auau
He aha te tapeke tapuinga e hiahiatia ana maaku mō tētahi whare i Aotearoa?
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 35% 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.
He aha te here LVR mō ngā kaihoko whare tuatahi?
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).
Ka roa pēhea te tiaki tapuinga?
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.
He aha te First Home Loan a ka pēhea tōna āwhina?
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).
Me pēhea te mahi a tēnei tātaitai
Ka whakamahia e tēnei tātaitai ngā raraunga hou rawa mai i ngā puna kāwanatanga o Aotearoa. Ka mahia ngā tātaitai katoa ki tō pūtirotiro — kāore tō raraunga e wehe i tō pūrere.
Ka mahia ngā tātaitai katoa ki tō pūtirotiro — kāore tō raraunga e wehe i tō pūrere. Ko ngā hua hei ārahi noa iho, ehara i te tohutohu pūtea ngaio.
I hangaia, i tiakina e Konstantin Iakovlev. Raraunga mai i te IRD me ngā puna kāwanatanga mana o Aotearoa.
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