Tātaitai Mōkete Whakahoki
Whakaatu i te mōkete whakahoki rite ki Heartland.
Mō tēnei tātaitai
Ka whakatinanahia e tēnei tātaitai ngā LVR mōkete whakahoki Heartland mai i Heartland Bank NZ. Tirohia whakamutunga 18 Haratua 2026. Whakamanahia ngā tatauranga mā te whai i te hononga.
Ngā tāwhanga Heartland
Tohu 2026- •Reiti huamoni: ~9.25% ia tau
- •Whakawhānui: Ā-marama
- •Mōrahi LVR 60: 20%
- •Mōrahi LVR 70: 30%
- •Mōrahi LVR 80: 45%
- •Iti rawa uara whare: $200,000
- •Te whakaaetanga NNG: Āe
Puna: Heartland Bank NZ
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 whakawhānui
Taurewa ki te painga whare. Kāore he utu auau.
- 1
Mōrahi taurewa
Mōrahi = uara × LVR(pakeke)
Pakeke = LVR teitei.
- 2
Tapeke whakawhānui
Tapeke = ... × (1 + r ÷ 12)
r ~9.25% ia tau.
- 3
Uara whare ki te wā
Whare = ... × (1 + tipu)^t
Whakapae 3-4% NZ.
- 4
Painga taonga
Painga = max(0, Whare − Nama)
NNG: kāore e neke.
Tauira
Tāuru: $900k, 70t, 15y
Hua: Painga ~$844k.
Ngā Pātai Auau
Me pēhea te mahi a te mōkete whakahoki i NZ?
He whakaaro pai te mōkete whakahoki?
Ka pā pēhea te mōkete whakahoki ki te wira me te tuku iho?
He ētahi atu kōwhiringa hei utu i te mōkete whakahoki?
Ka whakatauira tēnei tātaitai i te tuku tūtanga whare momo-Heartland o Aotearoa: te rahi ka taea te nama i tō pakeke, te tupu o te nama piki-huamoni kāore he utunga, me te toenga tūtanga mō te whare i muri i ngā tau tango moni.
Me pēhea te mahi a tēnei tātaitai
Mā te mōkete whakahoki ka taea e ngā rangatira whare 60+ te nama ki tō rātou whare kāore he utunga auau — ka tāpirihia te huamoni (tōna 9.25% hurihuri) ki te toenga ia marama, ā, ka utua te taurewa ina hokona te whare, ina mate rānei ngā rangatira. Ka piki tō LVR mōrahi me te pakeke: tōna 20% i te 60, 30% i te 70, 45% i te 80. I te kore utunga, ka piki-huamoni te nama: i te 9.25%, ka rearua te toenga ia waru tau pea. Ka whakatupuria e te tātaitai ō tangohanga (moni tōpū me ngā moni ā-marama) i te reiti huamoni, ka whakatupu i te whare i tō matapae pikinga utu (3-4%), ka pūrongo i te tūtanga e toe ana mō tō whānau ia tau. Kei ngā kaiwhakarato o Aotearoa te Kī Taurangi Kore-Tūtanga-Kino — e kore rawa te nama e nui ake i te uara hoko o te whare. Ko ngā mōrea matua ko te memeha o te taonga tuku iho me te pānga ki te whakamātau rawa mō te tiaki kaumātua, nō reira me mātua whiwhi tohutohu ā-ture motuhake i mua i te haina.
Ngā tawhā mōkete whakahoki momo-Heartland
| Reiti huamoni | ~9.25% ia tau, piki-huamoni ā-marama |
| LVR mōrahi i te 60 | ~20% |
| LVR mōrahi i te 70 | ~30% |
| LVR mōrahi i te 80 | ~45% |
| Uara whare iti rawa | $200,000 |
| Kī Taurangi Kore-Tūtanga-Kino | E kore te nama e nui ake i te uara hoko |
| Aratohu | Ka rearua te nama ia 8 tau i te 9.25% |
Ngā Tauira Mahia
Whare $900,000, 70 tau: $50,000 moni tōpū me te $1,200/marama mō te 15 tau, 3.5% tupu whare
I muri i te 15 tau: nama ≈ $664,000, whare ≈ $1.51M — tūtanga ≈ $844,000.
- Mōrahi i te 70: $900,000 × 30% = $270,000 — ka uru te mahere
- Ka piki ngā tangohanga i te 9.25%: toenga i muri i te 15 tau ≈ $664,000
- Ka tupu te whare: $900,000 × 1.035^15 ≈ $1,508,000
- Tūtanga: $1,508,000 − $664,000 ≈ $844,000
Whare $700,000, 65 tau: $100,000 moni tōpū kotahi, 10 tau te waiho, 3.5% tupu
Ka tupu te nama ki te ≈ $251,000; whare ≈ $987,000 — tūtanga ≈ $736,000.
- $100,000 e piki ana ia marama i te 9.25% mō te 10 tau: ≈ $251,000 (2.5×)
- Whare: $700,000 × 1.035^10 ≈ $987,000
- Tūtanga: ≈ $736,000
- Neke atu i te rearua te nama — ko te wā te tino tāwhiri
I hangaia, i tiakina e Konstantin Iakovlev. Raraunga mai i te IRD me ngā puna kāwanatanga mana o Aotearoa.
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