Tātaitai Painga Mā
Tātauria tō painga mā (rawa − nama) me te whakatauritetanga ki te toharite kāinga NZ.
Mō tēnei tātaitai
Ka whakatinanahia e tēnei tātaitai te rangahau painga mā o te kāinga mai i Stats NZ + MoneyHub. Tirohia whakamutunga 18 Haratua 2026. Whakamanahia ngā tatauranga mā te whai i te hononga.
Ngā paerewa painga mā o te kāinga NZ
Stats NZ HES 2024- •Toharite kāinga: $397,000
- •Paepae 20% teitei: ~$1.55M
- •Paepae 20% iti: ~$45,000
- •Toharite painga whare: $510,000
- •Toharite KS (45-49): ~$54,000
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 tātai painga mā
Painga mā = rawa katoa − nama katoa.
- 1
Tāpiri ngā rawa katoa
Rawa = whare + KiwiSaver + haumi + moni + waka + ētahi atu
Whakamahia te uara mākete o te whare.
- 2
Tāpiri ngā nama katoa
Nama = mōkete + taurewa ākonga + kāri whiwhinga + ētahi atu
Tāpiri ngā HP me AfterPay.
- 3
Painga mā = rawa − nama
Painga_mā = rawa_katoa − nama_katoa
Aroturuki ia hauwhā.
- 4
Whakatauritehia ki te toharite NZ
vs_median = (your_net_worth − $397,000) ÷ $397,000 × 100%
Toharite Stats NZ.
Tauira
Tāuru: Whare $900k, KS $80k, mōkete $480k
Hua: Painga mā $520,000.
Ngā Pātai Auau
Me pēhea te tātai painga mā i NZ?
Me uru taku whare ki te painga mā?
Me pēhea te whakatauritetanga o te painga mā o ngā kāinga NZ?
E hia te wā me tātauria anō te painga mā?
Ka tāpirihia e te tātaitai painga-mā ō rawa katoa, ka tangohia ō nama katoa, ka whakatauritea te hua ki te painga-mā waenga a Stats NZ, $397,000 — te tino whakaahua o tō tūnga pūtea.
Me pēhea te mahi a tēnei tātaitai
Ko te painga-mā ko ngā rawa tango ngā nama. Mō ngā rawa, whakamahia ngā uara mākete o nāianei — te utu hoko o tō whare i tēnei rā (kaua ko tāu i utu ai), tō toenga KiwiSaver, ngā haumitanga, ngā penapena moni, me ngā waka i te uara hoko-anō tōtika. Mō ngā nama, whakaurua te toenga mōkete, te taurewa ākonga, ngā kāri nama, ngā taurewa waka me ngā taurewa whaiaro, me ngā toenga hoko-ināianei-utu-āmuri. He iti ake te tikanga o te tau kotahi i tōna ia: mā te aroturuki ā-hauwhā e kitea ai mēnā kei te tupu, kei te memeha rānei tō tūnga. Hei horopaki, e ai ki te Rangahau Ōhanga Whare a Stats NZ ko te whare waenga o Aotearoa he $397,000, ko te paepae o te 20% runga tōna $1.55 miriona, ā, ko te 20% raro kei raro i te $45,000 — ā, tōna haurua o te rawa waenga kei te tūtanga whare, koirā te take ka tino wehe ngā kairēti me ngā rangatira whare i te tekau tau.
Ngā paearu painga-mā (Stats NZ HES)
| Painga-mā waenga o te whare | $397,000 |
| Paepae 20% runga | ~$1,550,000 |
| Paepae 20% raro | ~$45,000 |
| Tūtanga whare waenga | ~$510,000 |
| Toenga KiwiSaver waenga (45-49 tau) | ~$54,000 |
Rangahau a Stats NZ; ka neke ngā waenga ia rangahau.
Ngā Tauira Mahia
Rangatira whare: whare $900k, KiwiSaver $80k, penapena $20k, mōkete $480k, kāore he nama kē
Painga-mā $520,000 — tōna 31% kei runga i te waenga o Aotearoa.
- Rawa: $900,000 + $80,000 + $20,000 = $1,000,000
- Nama: $480,000
- Painga-mā: $1,000,000 − $480,000 = $520,000
- Ki te waenga: ($520,000 − $397,000) ÷ $397,000 ≈ +31%
Kairēti: KiwiSaver $35k, penapena $12k, waka $15k, taurewa ākonga $28k, kāri nama $4k
Painga-mā $30,000 — he pai, ā, ko te ia te mea nui i tēnei wā.
- Rawa: $35,000 + $12,000 + $15,000 = $62,000
- Nama: $28,000 + $4,000 = $32,000
- Painga-mā: $62,000 − $32,000 = $30,000
I hangaia, i tiakina e Konstantin Iakovlev. Raraunga mai i te IRD me ngā puna kāwanatanga mana o Aotearoa.
Arotakehia whakamutunga: