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 ~$998k.
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?
Me pēhea te mahi a tēnei tātaitai
Ka whakamahia e tēnei tātaitai ngā raraunga hou rawa mai i ngā puna kāwanatanga o Aotearoa. Ka mahia ngā tātaitai katoa ki tō pūtirotiro — kāore tō raraunga e wehe i tō pūrere.
Ka mahia ngā tātaitai katoa ki tō pūtirotiro — kāore tō raraunga e wehe i tō pūrere. Ko ngā hua hei ārahi noa iho, ehara i te tohutohu pūtea ngaio.
I hangaia, i tiakina e Konstantin Iakovlev. Raraunga mai i te IRD me ngā puna kāwanatanga mana o Aotearoa.
Arotakehia whakamutunga: