Tātaitai Whakatakoto Mōkete Pūmau
Whakatauritehia ngā wā pūmau 1, 2, 3, 5 tau o te mōkete.
Mō tēnei tātaitai
Ka whakatinanahia e tēnei tātaitai ngā reiti mōkete a RBNZ mai i Reserve Bank of New Zealand. Tirohia whakamutunga 18 Haratua 2026. Whakamanahia ngā tatauranga mā te whai i te hononga.
Ngā reiti mōkete NZ
Tohu ki ngā pēke nui- •1-tau pūmau: ~6.40–6.55%
- •2-tau pūmau: ~6.15–6.35%
- •3-tau pūmau: ~6.10–6.30%
- •5-tau pūmau: ~6.30–6.50%
- •Maunu: ~7.85%
- •RBNZ OCR: 2.25%
Puna: RBNZ — Ngā reiti 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 whakatakoto whakapūmau
Whakatauritehia ngā utu o ngā wā pūmau rerekē.
- 1
Utu pūmau tuatahi
P_pūmau = P × r ÷ 12 × ...
Tauira utu paerewa.
- 2
Tapeke i muri o te wā
Tapeke = ...
k = marama o te wā pūmau.
- 3
Utu i muri
P_muri = ...
m = marama e toe ana.
- 4
Utu oranga katoa
Utu_katoa = P_pūmau × k + P_muri × m
Whakatauritehia 1/2/3/5 tau.
Tauira
Tāuru: $650k, 25t
Hua: Tapeke ~$1.27M.
Ngā Pātai Auau
Ko tehea wā pūmau te pai mō te mōkete NZ?
Ka taea te wehe i te mōkete ki ngā wā maha?
He aha te refix, ā āhea ka pā?
Ka taea te whati i te mōkete pūmau hei whiwhi reiti iti ake?
Ka whakataurite tēnei tātaitai i te whakapūmau i tō taurewa whare mō te 1, 2, 3, 5 tau rānei, me te matapae i te utu katoa o ia rautaki mō te wā taurewa katoa, tae atu ki te reiti e tūmanakohia ana i muri i te whakapūmautanga.
Me pēhea te mahi a tēnei tātaitai
Ko te kōwhiri i te wā pūmau he petipeti mō te anga o ngā reiti, ā, ko te reiti iti rawa kāore i te tino rautaki iti rawa. Mō ia wā ka tātaihia e te tātaitai te utu whakaea arowhānui i te reiti o taua wā, ka whai i te toenga tae ki te mutunga o te whakapūmautanga, kātahi ka tātai anō i te toenga ki tō reiti matapae mō ngā tau e toe ana. Mā te whakataurite i ngā tapeke oranga-katoa e kitea ai te uara pono o te reiti poto iti ki te pūmautanga o te wā roa. Hei aratohu: ka toa te wā poto mēnā ka heke ngā reiti mā te nui ake i te āputa i waenga i ngā reiti e rua i mua i tō whakapūmau anō; ka toa te wā roa mēnā ka piki, ka papatahi rānei. Ka wehea e te nuinga o Aotearoa te taurewa ki ngā wāhanga e rua, e toru rānei me ngā rā mutunga rerekē hei whakangāwari i te mōrea.
Ngā reiti mōkete tohu (waenga-2026)
| Pūmau 1-tau | ~6.40 - 6.55% |
| Pūmau 2-tau (rongonui rawa) | ~6.15 - 6.35% |
| Pūmau 3-tau | ~6.10 - 6.30% |
| Pūmau 5-tau | ~6.30 - 6.50% |
| Maunu | ~7.85% |
| OCR a Te Pūtea Matua | 2.25% (arotakea ia 6 wiki) |
Ka huri ngā reiti ia wiki; whakamahia ngā utu tūturu a tō pēke.
Ngā Tauira Mahia
$650,000 mō te 25 tau: pūmau 2-tau i te 6.25%, me te matapae ~6.20% i muri
Utu oranga-katoa ≈ $1.27M; he tata ōrite te pūmau 3-tau — he iti te utu o te pūmautanga.
- Utu i te 6.25%: ≈ $4,288/marama
- Toenga i muri i te 2-tau: ≈ $625,000
- Tātai anō i te 6.20% mō te 23 tau: ≈ $4,270/marama
- Tapeke ≈ $1.27M mō te oranga o te taurewa
$500,000 mō te 30 tau: pūmau 1-tau i te 6.45%, ki te pūmau 2-tau i te 6.25%
He $780 nui ake te pūmau 1-tau i te tau tuatahi — ka toa anake mēnā ka heke ngā reiti mā te ~0.2% neke atu.
- Utu i te 6.45%: ≈ $3,144/marama
- Utu i te 6.25%: ≈ $3,079/marama
- Rerekētanga tau-tuatahi: ($3,144 − $3,079) × 12 ≈ $780
- Whakataurite: me heke te reiti hou mā te ~0.2%+ i raro i te 6.25%
I hangaia, i tiakina e Konstantin Iakovlev. Raraunga mai i te IRD me ngā puna kāwanatanga mana o Aotearoa.
Arotakehia whakamutunga: