Tātaitai Offset Mōkete
Tātauria te penapena mai i te pūkete offset i tō mōkete.
Mō tēnei tātaitai
Ka whakatinanahia e tēnei tātaitai te mahi pūkete offset NZ mai i Kiwibank + Westpac NZ. Tirohia whakamutunga 18 Haratua 2026. Whakamanahia ngā tatauranga mā te whai i te hononga.
Ngā pēke offset NZ
Mākete 2026- •Kiwibank Offset: Maunu ~7.85%
- •Westpac Choices Floating: Maunu ~7.85%
- •Kāore he tāke: Penapena katoa
- •Tūāpapa taurite: ~30% o te taurewa
- •vs 2-tau pūmau: ~6.25%
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 mahi a te offset
Ka tangohia te tapeke offset mai i te taurewa.
- 1
Tūāpapa huamoni
Tūāpapa = (Taurewa × r) ÷ 12
Huamoni mō te tapeke katoa.
- 2
Tapeke whaihua offset
Taurewa_whaihua = Taurewa − Offset
Huamoni mō tēnei tapeke iti ake.
- 3
Huamoni penapena ā-marama
Penapena = (Offset × r) ÷ 12
Kore-tāke.
- 4
Whakatauritehia ki te penapena tāke
Penapena_kē = Offset × 4.5% × (1 − RWT)
Ka toa te offset mēnā reiti maunu > reiti penapena.
Tauira
Tāuru: $500k @ 7.85%, $40k offset
Hua: Penapena $3,140/tau.
Ngā Pātai Auau
Me pēhea te mahi a te mōkete offset i NZ?
He pai ake te offset i te reiti pūmau?
Ka taea te hono i ngā pūkete o te whānau ki te mōkete kotahi?
Ka ngaro te huamoni i te pūkete offset?
Ka whakaatu te tātaitai offset i te huamoni ka penapenatia e te pūkete offset i runga i te taurewa whare maunu o Aotearoa, ka whakataurite hoki ki te waiho i taua moni ki te pūkete penapena e tākehia ana te huamoni ki tō reiti RWT.
Me pēhea te mahi a tēnei tātaitai
Mā te mōkete offset, ka tangohia ngā toenga o ō pūkete honoa i te toenga o tō taurewa i mua i te tātai huamoni — kāore koe e utu huamoni mō te wāhanga offset. E rua ngā mea e kaha ai tēnei i Aotearoa. Tuatahi, ka puta te penapena i tō reiti mōkete maunu (tōna 7.85%), he nui ake i tā ngā pūkete penapena. Tuarua, he kore-tāke te penapena: ko te huamoni kāore e utua ehara i te moni whiwhi, engari ko te huamoni o te pūkete penapena ka ngaro te 10.5-39% ki te RWT. Nō reira ko te $40,000 offset ki te taurewa 7.85% ka "whiwhi" i te $3,140 ia tau — me nui ake tō reiti penapena i te 11% i mua i te tāke kia rite, i te reiti 33%. Ko Kiwibank me Westpac ngā kaiwhakarato matua; ko te whakawhitinga ko te mahi o te offset i runga anake i ngā reiti maunu, he utu nui ake i ngā reiti pūmau, nō reira he pai mō te hunga whai moni tōpū.
Te mākete mōkete offset o Aotearoa
| Kiwibank Offset | Maunu ~7.85%, tae ki te 8 pūkete honoa |
| Westpac Choices me te Offset | Maunu ~7.85%, pūkete kotahi |
| Penapena offset | Kore-tāke, i te reiti maunu katoa |
| Pūkete penapena kē | Ka tākehia te huamoni ki te RWT 10.5-39% |
| Reiti pūmau 2-tau (kāore he offset) | ~6.25% |
| Whakataurite rautaki | Ka pai te offset mō ngā moni tōpū nui |
Ngā Tauira Mahia
Taurewa maunu $500,000 i te 7.85%, $40,000 kei ngā pūkete offset, 30% RWT
Ka penapena te offset i te $3,140/tau kore-tāke — 2.5× te $1,260 o te pūtea wā-pūmau 4.5% i muri i te tāke.
- Huamoni i karohia: $40,000 × 7.85% = $3,140/tau, kore-tāke
- Te kēhi kē: $40,000 × 4.5% = $1,800 huamoni tōpū
- I muri i te RWT 30%: $1,800 × 0.70 = $1,260
- Painga offset: $3,140 − $1,260 = $1,880/tau
Taurewa maunu $300,000, $15,000 offset, 17.5% RWT
Ka penapena te offset i te $1,178/tau, ki te $557 i muri i te tāke — he painga 2.1× tonu.
- Huamoni i karohia: $15,000 × 7.85% = $1,178/tau
- Pūkete penapena: $15,000 × 4.5% × (1 − 0.175) = $557
- Painga offset: ≈ $621/tau
I hangaia, i tiakina e Konstantin Iakovlev. Raraunga mai i te IRD me ngā puna kāwanatanga mana o Aotearoa.
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