Tātaitai Tangohanga Whare Tuatahi KiwiSaver

I te hoko i tō whare tuatahi, ka taea e koe te tango i te nuinga o to tūranga KiwiSaver — ara ko o koha katoa, ngā koha kaituku mahi, me ngā whakahokinga haumi — engari me waiho e koe te $1,000 iti rawa ki roto i tō pūkete i ngā wā katoa. Kia mahara anō ko ngā koha kāwanatanga (tāpiritanga tāke mema) i whiwhi mai i te 1 o Hūrae 2019 me noho tonu ki roto i tō pūkete. Kāore he tepe nui mō te tapeke ka taea e koe te tango, nō reira menā he nui to tūranga i hangaia ake i roto i ngā tau maha ka taea te whakaiti nui i te mōkete e hiahia ana koe. Ko tēnei tangohanga ka pā anake ki te hokonga o tētahi nohoanga matua — kāore e taea mō ngā whare haumi, ngā whare rererangi rānei. Ko to kaiwhakarite KiwiSaver, ehara ko IRD, ka tiaki i te tangohanga, a ka roa a tikanga 10-15 rā mahi. Puna: Kāinga Ora (kaingaora.govt.nz); IRD (ird.govt.nz/kiwisaver).

Kāore he tūranga iti rawa i tohuhia mō te tangohanga whare tuatahi KiwiSaver, engari ka hiahia ngā tikanga kia waiho e koe te $1,000 iti rawa ki roto i tō pūkete i muri i te tangohanga. Ko tēnei tikanga me nui ake i te $1,000 o penapena i mua i te whaihua o tētahi tangohanga. He mea nui ake, me mema koe i KiwiSaver mō te 3 tau iti rawa a me penapena i taua wā — ko te roa o te mematanga ko te tātau matua o te otinga. Menaa i uru koe ki KiwiSaver katahi ka tango i tētahi hararei koha, ka taea pea to tiaki otinga menā ka tae to mematanga katoa ki ngā tau 3. Ko te $1,000 tūranga pupuri iti rawa ka whakaritea hei pupuri i tō pūkete kia ora tonu ai koe i ngā painga o KiwiSaver mō te peehi peehi. Ka whakaatu to kaiwhakarite i to tapeke tangohanga otinga i te wā e tono ana koe. Puna: IRD (ird.govt.nz/kiwisaver); Kāinga Ora (kaingaora.govt.nz).

Ae, ka taea te whakamahi i te tangohanga whare tuatahi KiwiSaver mō ngā whare hou me ngā whare tawhito — ko ngā paearu otinga he rite mō rua. Heoi anō, ko te rereketanga matua kei roto i te Tūranga Whare Tuatahi (he kaupeka Kāinga Ora wehe): ko ngā whare hou ka ahu mai i tētahi tūranga teitei neke atu tae atu ki te $10,000 ia tangata, ko ngā whare tawhito ka tae ki te $5,000. Ko ngā whare hou anō he taupae utu whare teitei ake i raro i te Tūranga Whare Tuatahi, ko te tikanga ka taea e ngā kaihoko i ngā rohe utu-teitei pērā i Tāmaki Makaurau me Te Whanganui-a-Tara te toro atu ki ētahi atu āwhina i te hoko i tētahi whare hou. Ko tētahi whare hou he whare i kāore anō kia noho tangata ki roto, kua rua whakatutukinga Tohu Ture kāore e neke atu ana i ngā marama 12 i mua i te rā hoko. Ko te tangohanga KiwiSaver ake kāore he tikanga rerekē i waenga i ngā whare hou me ngā whare tawhito — ko te kaupeka tūranga e hono ana anake e rerekē ana. Puna: Kāinga Ora (kaingaora.govt.nz).

Me mema koe i KiwiSaver mō te 3 tau iti rawa i mua i te tono tangohanga whare tuatahi. Ko tēnei hiahia mematanga haere-tonu 3-tau ko te tikanga me uru koe ki KiwiSaver (ahakoa kāore pea i koha i ngā wā katoa — kāore ngā horoi penapena, ngā hararei koha rānei e huri aunoa ana i te karaka engari i noho tonu koe hei mema). Ka tīmata te karaka 3-tau mai i te rā i uru tuatahi ai koe ki tētahi kaupeka KiwiSaver, ehara mai i te wā i tīmata ai o kaituku mahi ki te koha. Menaa i neke mai koe i tētahi kaupeka penihana tawahi ki KiwiSaver, kāore e taea a tikanga te tātau o taua wā ratonga tawahi ki te hiahia 3-tau. Ka tutuki i a koe te ture 3-tau me ētahi atu paearu otinga (whare tuatahi, kāinga matua, tangata whenua o Aotearoa, kāwanatanga tuturu rānei), ka taea te tono ma to kaiwhakarite KiwiSaver. Puna: IRD — KiwiSaver First Home Withdrawal; Kāinga Ora (kaingaora.govt.nz).