Tātaitai Pokanga Tūmatanui ki te Motuhake
Whakatauritehia te utu o te tatari tūmatanui ki te utu motuhake.
Mō tēnei tātaitai
Ka whakatinanahia e tēnei tātaitai ngā wā tatari pokanga tūmatanui mai i Te Whatu Ora + Policywise. Tirohia whakamutunga 18 Haratua 2026. Whakamanahia ngā tatauranga mā te whai i te hononga.
Ngā utu me ngā wā pokanga
Te Whatu Ora- •Hip motuhake: ~$28,000
- •Turi motuhake: ~$26,500
- •Karu motuhake: ~$4,800
- •Tatari >4 marama: 37,000+
- •Tatari hip tūmatanui: 6-18 marama
- •Inihua hauora: ~$300-450/marama
Whakatūpato
He whakatau tata nō tēnei tātaitai, hei whakamōhio noa iho. E ai ki ngā tātai paerewa, ā, kāore pea e whakaata i ōu āhuatanga ake. Me kōrero ki tētahi mātanga tohu mō ōu āhuatanga ake.
Me pēhea te whakataurite tūmatanui ki te motuhake
Utu mā = utu motuhake i mua, ki te ngaro whaihua + inihua.
- 1
Utu motuhake i mua
Motuhake = utu pokanga
Mai i te pūkete, mā te inihua rānei.
- 2
Utu tatari
Utu_tūmatanui = utu ā-marama × ngaro × tatari
Ngaro whaihua (hei tauira 30%).
- 3
Utu inihua
Inihua = ā-marama × 60
Tapeke 5 tau.
- 4
Ture whakatau
Motuhake mēnā tūmatanui > motuhake
Tirohia hoki te kounga oranga.
Tauira
Tāuru: Hip $28k, tatari 12m
Hua: Tūmatanui ($21.6k) < Motuhake ($28k).
Ngā Pātai Auau
E hia te roa o ngā tatari mō te pokanga whiriwhiri?
Āhea te inihua hauora e whaihua ai?
He aha ngā mate KĀORE i kapi e te hauora tūmatanui?
Ka kapi i te inihua hauora NZ ngā mate o mua?
Ka whakataurite tēnei tātaitai i te utu pūtea o te tatari mō te pokanga tūmatanui i Aotearoa ki te utu i taua pokanga anō i te taha tūmataiti, me te whai whakaaro ki te ngaronga hua i te wā tatari me ngā utu inihua hauora.
Me pēhea te mahi a tēnei tātaitai
Neke atu i te 37,000 tāngata o Aotearoa e tatari ana i tua atu i te whā marama mō te pokanga whiriwhiri i te tīmatanga o 2025, ā, ka 6-18 marama pea te rārangi tūmatanui mō te whakakapinga hope, turi rānei. He kore-utu te tatari i te wāhi tiaki, engari he utu tūturu tōna: ka whakaiti te mamae i tō kaha mahi, nō reira ka whakatauria e te tātaitai tō utu ōhanga o te tatari ko te moni whiwhi ā-marama × % ngaronga hua × ngā marama e tatari ana. Ka whakatauritea ki te ara tūmataiti — he $28,000 te whakakapinga hope, $26,500 te turi, $4,800 te karu — ki te utu 5-tau rānei o ngā utu inihua hauora. He māmā te ture whakatau: ina nui ake te utu tatari i te utu tūmataiti, he whai take te utu (te inihua rānei i mua), i mua tonu i te whakaaro ki te mamae me te kounga oranga. He taputapu whakamahere tēnei, ehara i te tohutohu hauora.
Ngā utu me ngā wā tatari pokanga
| Whakakapinga hope (tūmataiti) | ~$28,000 |
| Whakakapinga turi (tūmataiti) | ~$26,500 |
| Pokanga karu kotahi (tūmataiti) | ~$4,800 |
| Hunga tatari >4 marama (Hān 2025) | 37,000+ |
| Tatari tūmatanui — hope | 6 - 18 marama |
| Inihua hauora (tokorua, 45 tau) | ~$300 - $450/marama |
He utu tohu; nā Te Whatu Ora ngā raraunga wā tatari.
Ngā Tauira Mahia
Whakakapinga hope: tūmataiti $28,000, tatari 12 marama, moni whiwhi $6,000/marama, 30% ngaronga hua
Utu tatari ≈ $21,600 < tūmataiti $28,000 — ā-pūtea, ka toa te tatari (i mua i te kounga oranga).
- Utu tatari: $6,000 × 30% × 12 = $21,600
- Utu tūmataiti: $28,000
- $21,600 < $28,000 → he iti ake te utu o te tatari
- Ka huri te whakautu mēnā ka roa ake te tatari, ka nui ake rānei te moni whiwhi
Pokanga karu: tūmataiti $4,800, tatari 8 marama, moni whiwhi $5,000/marama, 20% ngaronga
Utu tatari ≈ $8,000 > tūmataiti $4,800 — mā te tūmataiti ka penapena ≈ $3,200.
- Utu tatari: $5,000 × 20% × 8 = $8,000
- Utu tūmataiti: $4,800
- $8,000 > $4,800 → he whai take te pokanga tūmataiti
I hangaia, i tiakina e Konstantin Iakovlev. Raraunga mai i te IRD me ngā puna kāwanatanga mana o Aotearoa.
Arotakehia whakamutunga: