Tātaitai Sum-Insured Whare
Whakatauria te utu hanga whare mā ngā reiti ā-rohe NZ.
Mō tēnei tātaitai
Ka whakatinanahia e tēnei tātaitai ngā raraunga utu hanga whare BRANZ mai i Cordell / BRANZ. Tirohia whakamutunga 18 Haratua 2026. Whakamanahia ngā tatauranga mā te whai i te hononga.
Ngā paerewa utu hanga whare
Raraunga 2026- •Tāmaki kotahi tieri: ~$3,500/m²
- •Tāmaki rua tieri: ~$3,900/m²
- •Waitaha paerewa: ~$3,100-3,500/m²
- •Whakareatanga teitei: +20%
- •Wāwāhi: 10% o te tūāpapa
- •Utu ngaio: 12% o te tūāpapa
- •Tepe EQC: $300,000 + GST
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.
Me pēhea te whakatau utu hanga whare
Reiti $/m² × horahanga × whakatika + wāwāhi + utu ngaio.
- 1
Utu tūāpapa ia m²
Reiti_tūāpapa = reiti-ā-rohe
Teitei ake mō te rua-tieri, kounga teitei.
- 2
Utu hanga tūāpapa
Tūāpapa = m² × reiti × whakareatanga
Kounga: 0.85-1.45×.
- 3
Tāpiri wāwāhi
Wāwāhi = tūāpapa × 10%
Whakapaipai i muri o te wāwāhi.
- 4
Tāpiri utu ngaio
Utu_ngaio = tūāpapa × 12%
Whakaae, kaihoahoa, miihini.
- 5
Tāpiri āhuatanga
Tapeke = tūāpapa + wāwāhi + ngaio + tāpiri
Tāpiri: puna ~$60k, whare iti ~$30k.
Tauira
Tāuru: Tāmaki 180m² + puna
Hua: Tapeke ~$799k.
Ngā Pātai Auau
He aha te take o te sum-insured?
Me uru te EQC ki taku sum-insured?
Ka whakatau tēnei tātaitai i te utu hanga-anō katoa o tō whare mā ngā paearu tāra-ia-mita-pūrua ā-rohe o Aotearoa, me te turakanga, ngā utu ngaio, me ngā āhuatanga o te wāhi — koinei te tau e tika ana mō tō inihua whare.
Me pēhea te mahi a tēnei tātaitai
Mai i te huringa ki ngā kaupapa here sum-insured, ka utu tō kaiinihua i te tau i tohua e koe — kaua ko te utu tūturu — nō reira ko te inihua-iti te tino mōrea o te inihua whare i Aotearoa. Ka whakareatia e te tātaitai tō horahanga papa ki te reiti hanga-anō ā-rohe (ko te whare papa-kotahi arowhānui o Tāmaki tōna $3,500/m²; ka tāpiri te whare papa-rua i te 10%, ngā whakaoti taonga i te 20-45%), kātahi ka tāpiri i ngā utu ka warewaretia: te turakanga me te whakawātea i te wāhi (tōna 10% o te hanga tūāpapa), me ngā utu ngaio — whakaaetanga, kaihoahoa, kaipūkaha, kairūri utu — tōna 12%. Ka tāpirihia ngā āhuatanga pērā i te puna kaukau (~$60k), te whare moe iti (~$30k), te wharau nui (~$25k). Kia mahara ko te tepe a te EQC mō ngā aituā taiao he $300,000 + GST; mā tō kaiinihua tūmataiti te hanga i runga ake, koirā te take me tōtika te tau. Whakahōutia i muri i ngā whakahoutanga, ā, ia whakahōunga hoki.
Ngā paearu utu hanga-anō ($/m², 2026)
| Tāmaki papa-kotahi arowhānui | ~$3,500/m² |
| Tāmaki papa-rua arowhānui | ~$3,900/m² |
| Waitaha arowhānui | ~$3,100 - $3,500/m² |
| Whakarea whakaoti taonga | +20-45% |
| Tahua turakanga | 10% o te hanga tūāpapa |
| Ngā utu ngaio | 12% o te hanga tūāpapa |
| Tepe EQC mō ngā aituā taiao | $300,000 + GST |
Mai i ngā raraunga BRANZ; mā te kaiwhakatau rēhita he whakatau tūturu.
Ngā Tauira Mahia
Tāmaki Makaurau, whare 180 m² papa-kotahi arowhānui me te puna kaukau
Uara inihua e tūtohua ana ≈ $799,000.
- Hanga tūāpapa: 180 m² × $3,500 = $630,000
- Turakanga (10%): $63,000
- Utu ngaio (12%): $75,600
- Puna kaukau: $30,000
- Tapeke: ≈ $799,000
Waitaha, whare 140 m² papa-kotahi arowhānui, kāore he tāpiri
Uara inihua e tūtohua ana ≈ $564,000.
- Hanga tūāpapa: 140 m² × $3,300 = $462,000
- Turakanga (10%): $46,200
- Utu ngaio (12%): $55,400
- Tapeke: ≈ $564,000
I hangaia, i tiakina e Konstantin Iakovlev. Raraunga mai i te IRD me ngā puna kāwanatanga mana o Aotearoa.
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