Tātaitai Whakataurite Nama

I te wā e whakatairitea ana ngā taurewa i Aotearoa, ko te mahi tino nui ko te titiro atu i tua atu o te rēti pānuitia, me te aro ki ngā utu katoa o te taurewa i roto i tōna wā katoa. Tuatahi, kohikohia ngā tono mai i ngā kaiwhakarato maha — ngā pēke, ngā uniana whiwhinga, me ngā kaiwhakarato kore-pēke — me te tono whakamāramatanga e whai ana i te rēti hua, ngā utu katoa (whakatūnga, marama, whakahoki tōmua), me ngā tapeke whakahokinga katoa. Tuarua, whakamahia te rēti paerua a-tau (APR) ko te rēti whakatairite rānei, e whakauruhia ana ngā utu ki roto i tētahi tatauranga kotahi, hei whakatairite ōrite. Hei āwhina, kei reira ngā taputapu whakatairite taurewa ipurangi me te tataihanga sorted.org.nz. Tirohia hoki te ngāwari o te taurewa: ka taea rānei e koe te utu nui ake? He āheinga tango anō? Whakaaro hoki ki ngā utu whakamutunga mō ngā taurewa rēti pūmau. E hiahia ana te Ture Kirimana Whiwhinga me ngā Pūtea Kaihoko (CCCFA) kia whakaaturia e ngā kaiwhakarato taurewa o Aotearoa ngā utu katoa i mua. Puna: Commerce Commission NZ; sorted.org.nz.

Ko te rēti whakataurite (ko te APR, ko te rēti paerua a-tau rānei) he rēti hua paerua e hono ana i te rēti pānuitia o tētahi taurewa me ona utu me ona whakapaunga katoa, ka whakaaturia hei paerua a-tau kotahi. Ka ngawari ake ai te whakataurite i ngā utu tino o ngā taurewa mai i ngā kaiwhakarato maha i runga i tētahi turanga rite. Hei tauira, ko tētahi taurewa pānuitia ki te 8.5% me ngā utu whakatūnga teitei pea he 10.2% tōna rēti whakataurite, ko tētahi taurewa ki te 9% me ētahi utu kāore pea he 9% tōna rēti whakataurite. Ko te nui ake o ngā utu, ko te nui ake o te rereketanga i waenga i te rēti ingoa me te rēti whakataurite. I Aotearoa, e hiahia ana te CCCFA kia whakaaturia e ngā kaiwhakarato te utu katoa o te whiwhinga, ahakoa ko te "rēti whakataurite" hei kupu motuhake he nui ake tōna whakamahinga i Ahitereiria. Pataia tonu to kaiwhakarato taurewa o Aotearoa mō ngā hua katoa ka utua me ngā tapeke whakahokinga katoa i roto i te wā taurewa. Puna: Commerce Commission NZ — CCCFA; sorted.org.nz.

Ko te kowhiri i waenga i tētahi wā taurewa poto, roa rānei i Aotearoa he hurihanga i waenga i te utu marama me ngā hua katoa i utua. Ko te wā taurewa poto ko ngā utu marama teitei ake engari he iti ake ngā hua katoa i roto i te oranga o te taurewa. Ko te wā roa ka whakaiti i ngā utu marama, ka ngawari ake ai te taurewa ia wiki ia wiki, engari ka tino whakanui i te tapeke katoa e whakahokia ana. Hei tauira, ko tētahi taurewa a-tangata $20,000 ki te 12% i roto i ngā tau 3 ka utu tata ki te $6,640 i ngā hua katoa me ngā utu $664/marama; ko te taurewa orite i roto i ngā tau 7 ka utu tata ki te $16,200 i ngā hua katoa engari $431/marama anake. Mēnā ka taea wawe e koe ngā utu teitei ake, ko te wā poto ake ko te kowhiringa pūtea pai ake i te wā katoa. Whakamahia tētahi tataihanga whakataurite taurewa hei āhua i ngā kaupeka rerekē i mua i to herenga. Puna: sorted.org.nz — Loan Calculator.

Ko ngā utu hua katoa i roto i te oranga o tētahi taurewa ko te tapeke o ngā utu hua katoa e utua ana e koe mai i te utu tuatahi ki te mutunga — ko te rereketanga i waenga i te tapeke katoa i whakahokia me te matua taurewa i taurewa ai. Ko tēnei tatauranga te nama tino nui i te wā e whakataurite ana i ngā taurewa, he hua nui ake i te utu marama anake. Hei tauira, ko tētahi taurewa waka $30,000 ki te 10.95% i roto i ngā tau 5 he tata ki te $649 ngā utu marama, engari ko ngā hua katoa i utua ko tata ki te $8,940 — tata ki te 30% o te tapeke taurewa tuatahi. Hei whakaheke i ngā hua katoa i utua, whakaaro ki te utu nui ake inā ka taea, ko te kowhiri i tētahi wā poto ake mēnā ka taea, me te kowhiri i te rēti iti rawa atu e wātea ana mō to āhua tūraru. E hiahia ana ngā kaiwhakarato taurewa o Aotearoa i raro i te CCCFA kia whakaaturia te utu katoa o te whiwhinga i roto i te kirimana taurewa i mua i to waitohu. Pataia tonu tēnei tatauranga a whakaaro ki roto i to whakataurite. Puna: Commerce Commission NZ — CCCFA.