Tātaitai Komihana Rawa Tūturu

Ko te kaute raihana kaitoha whenua i Aotearoa kāore e whakaritea ana e te ture a ka taea te whiriwhiri katoa, engari ka huri i te 2.5% ki te 4% (me te 15% GST) o te utu hokonga o tētahi rawa. Ko te nuinga o ngā tari ka whakamahi i tētahi hanganga kaute-raina, hei tauira: 4% mō ngā $300,000 tuatahi o te utu hokonga, me te 2% mō te toenga. Ko tēnei tauira-raina e tino kitea ana i roto i ngā tari pērā i Harcourts, Ray White, me Barfoot & Thompson. Mō tētahi whare $900,000, ko tētahi hanganga raina o te 4% mō ngā $300,000 tuatahi me te 2% mō ngā $600,000 toenga ka tapeke ki te $12,000 me te $12,000 ara $24,000, katahi ka tapiria te 15% GST ka huri ki te $27,600. Ko ngā rēti kaute i roto i ngā tau katoa he teitei ake i Aotearoa i tērā o ētahi atu whenua rite, nā reira i ākiaki ai i te whakataetae mai i ngā tari utu-pūmau. Puna: Real Estate Institute of New Zealand (reinz.co.nz); Consumer NZ.

Ko te kaute kaitoha whenua o Aotearoa ka tātaihia tata i te wā katoa hei paerua o te utu hokonga, ahakoa hei rēti papatahi, ko te whakamahi i tētahi hanganga raina rānei. Ko te hanganga raina tino kitea ka utu i tētahi paerua teitei ake mō te wāhanga tuatahi o te utu hokonga me tētahi paerua iti ake mō te toenga. Hei tauira: 4% mō ngā $300,000 tuatahi me te 2% mō te toenga i runga ake i te $300,000. Hei tātau: mō tētahi hokonga $750,000, ko te kaute (4% o $300,000) + (2% o $450,000) = $12,000 + $9,000 = $21,000 (ex-GST). Ka tapiria te 15% GST ka huri ki te $24,150 katoa. Ka tuku ētahi tari i tētahi utu tāra pūmau (hei tauira, $9,000–$15,000 utu papatahi mō ngā tari tahua). Tono tonu i tētahi hoahoa kaute tuhi mai i to kaitoha a whakauu ko te rēti i korerohia he GST-uru, kore-uru rānei. Ka utua te kaute mai i ngā hua whakataunga i te rā whakataunga. Puna: REINZ; ngā tikanga tari takitahi.

Ae, ko te kaute kaitoha whenua i Aotearoa ka taea te whiriwhiri katoa — he rerekē ki ētahi atu whenua maha e pūmau ana, e whakaritea ana rānei ngā rēti kaute. Ko koe hei kaihoko, kāore he tikanga me whakaae ki te rēti kaute tuatahi ka korerohia e tētahi kaitoha. Ka taea e koe te whiriwhiri i te paerua, te hanganga raina, ngā utu hoko katoa, me ngā tikanga katoa o te kirimana tari. E hiahia ana te Ture Kaitoha Whenua 2008 kia whakamahi ngā kaitoha i tētahi kirimana tari tuhi, me tohu marama i roto i te kaute me ētahi atu utu katoa. Ko te taetae a-tari ka āwhina i ngā kaihoko i ngā wāhi rongonui kia nui ake o rātou mana whiriwhiri. Ko ētahi tari ipurangi-utu-pūmau (pērā i NZ Real Estate Online me ētahi atu papatahi rite) ka utu i tētahi utu pūmau o $5,000–$15,000 ahakoa te utu hokonga, ka taea te tohu i ngā penapena nui mō ngā rawa utu-teitei. Ka tuku te Mana Kaitoha Whenua (REA) i ētahi aratohu mō o rātou tika hei kaihoko. Puna: Real Estate Agents Authority (REA) — rea.govt.nz.

Ko te tangohanga o te kaute kaitoha whenua hei tapanga tāke i Aotearoa ka huri ki te āhua o te rawa e hokona ana. Mō ngā rawa whakangau-rēti, ko te kaute o te kaitoha whenua me ngā utu hoko pa (utu ture, hoko pānui) ka tangohia ana i te nuinga o te wā hei whakapaunga i roto i te mahi whiwhi moni rēti, ka heke ai i te moni whiwhi tāke a-whānui mai i te hokonga. Heoi anō, mō te hokonga o to kāinga tupu a-whānau (kāinga matua), ko te kaute kāore e tangohia ana, nā te mea kāore he moni whiwhi tāke mai i te hokonga mō te nuinga o ngā kaipupuri whare. Mēnā ka pā te whakamatau aho-marama ki te rawa (ka hokona i roto i te wā aho-marama — inaianei 2 tau mō te nuinga o ngā rawa i hokona i muri i te 1 o Hūrae 2024), ka taea te tango i te kaute me ngā utu hoko mai i ngā hua tāke. Tiakina ngā rihiti katoa me ngā pire mō ngā utu hoko. Rapua tonu tētahi kaitohutohu tāke mō tō āhuatanga motuhake. Puna: IRD — Property Sales and Tax (ird.govt.nz/property).