Tātaitai Moni Tahi Mōkete
Tirohia te penapena huamoni me te utu wawe mā te moni tahi i tō mōkete NZ.
Mō tēnei tātaitai
Ka whakamahia e tēnei tātaitai te tikanga utu mōkete a Sorted. Tohutoro: Standard amortisation formula. Tirohia whakamutunga 18 Haratua 2026.
Ngā ture moni tahi mōkete
Ngā ture pēke noa- •Tepe pūmau: 5% o te tūāpapa ia tau
- •Tepe maunu: Kāore he tepe
- •Utu whatianga noa: $0–$20k+
- •Pai rawa: I te rerekētanga reiti
- •Tāke: Kāore he GST
Puna: Sorted — Tikanga mōkete
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 penapena mā te moni tahi
Ka whakaiti i te tūāpapa, ā ka penapena huamoni ka mutu.
- 1
Tūāpapa
Tūāpapa_huamoni = utu × n_marama − tūāpapa
Kāore he utu tāpiri.
- 2
Tāpiri moni tahi
Tapeke_hou = tūāpapa − moni_tahi
Utu ōrite, tapeke iti ake.
- 3
Tātai anō ngā marama
Marama_hou = log(P ÷ (P − tapeke × r ÷ 12)) ÷ log(1 + r ÷ 12)
P = utu ā-marama.
- 4
Huamoni penapena
Penapena = tūāpapa − utu hou
Pai mō te tīmatatanga.
Tauira
Tāuru: $450k @ 6.25% × 20t, moni $20k
Hua: Penapena ~$46k, ~1t 8m moata.
Ngā Pātai Auau
Ka taea ngā utu tāpiri ki te mōkete pūmau?
He aha te pai — moni tahi, utu nui ake auau rānei?
Āhea te wā pai rawa ki te utu moni tahi?
Kei te whai painga tāke i te utu wawe o te mōkete?
Ka whakaatu te tātaitai moni-tōpū mōkete i te huamoni ka penapena koe me te tere ake o tō wātea mōkete mā te utu tāpiri kotahi ki tō taurewa whare.
Me pēhea te mahi a tēnei tātaitai
Ka pau katoa te moni tōpū ki te tūāpapa, nō reira ka utua te huamoni o ngā marama katoa e whai ake i runga i te toenga iti ake — ka piki haere ngā penapena mō te toenga o te taurewa. Ka tātai rua te tātaitai i tō taurewa: kotahi me pēnei tonu, kotahi me te toenga kua hekea e te moni tōpū me te utu ā-marama ōrite. I te mea ka mau tonu te utu ki te toenga iti ake, ka oti wawe te taurewa, ā, ko te huamoni i penapenatia ko te rerekētanga i waenga i ngā rārangi e rua. He mea nui te wā: ko te utu wawe ka nui ake te whakarea. Kia tūpato ki ngā ture pēke: mō ngā taurewa reiti-pūmau ka whakaaetia e te nuinga o ngā pēke o Aotearoa tōna 5% noa o te tūāpapa taketake ia tau, engari mō ngā taurewa maunu kāore he tepe — ko te wā pai rawa ko te rā whakapūmau anō.
Ngā ture utu moni-tōpū o Aotearoa
| Tepe utu tāpiri reiti-pūmau | ~5% o te tūāpapa taketake ia tau |
| Utu tāpiri reiti-maunu | Kāore he tepe |
| Utu wāwāhi mō ngā taurewa pūmau | $0 ki te $20,000+ — pātai i mua |
| Wā pai rawa mō te moni tōpū | I te rā whakapūmau anō |
| Tāke mō te huamoni i penapenatia | Kāore — he hua kore-tāke |
Ngā Tauira Mahia
Taurewa $450,000 i te 6.25% mō te 20 tau, me te moni tōpū $20,000
Ka penapena ≈ $46,000 huamoni, ka oti te taurewa i te 1 tau 8 marama wawe.
- Utu ā-marama: ≈ $3,289
- Huamoni tūāpapa: ≈ $339,400
- I muri i te $20,000, ka oti te taurewa i te ≈ 220 marama, kaua i te 240
- Huamoni hou: ≈ $293,300 → penapena ≈ $46,000 (2.3× te moni tōpū)
Taurewa $600,000 i te 6.25% mō te 25 tau, me te moni tōpū $30,000 i te tau tuatahi
Ka penapena ≈ $100,000 huamoni, ka oti i te 2 tau 9 marama wawe.
- Utu ā-marama: ≈ $3,958
- Huamoni tūāpapa: ≈ $587,400
- Ka heke te toenga ki te $570,000, ka oti i te ≈ 267 marama, kaua i te 300
- Huamoni i penapenatia: ≈ $100,000 — 3.4× te moni tōpū, he roa hoki te wā
I hangaia, i tiakina e Konstantin Iakovlev. Raraunga mai i te IRD me ngā puna kāwanatanga mana o Aotearoa.
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