Tātaitai Whāinga Penapena

Hei tātai i te roa ka tae ki tētahi whāinga penapena me ngā takoha auau me te huamoni, ka whakamahia e koe te tatauranga uara muri o tētahi āhuatanga-reri ka huri mō te wā. Ko ngā taurangi matua ko: te moni whāinga (FV), te rahinga takoha auau (PMT), te reiti huamoni a-wā (r = reiti ia tau / 12 mō ia marama), me te maha o ngā wā (n). Ko te tatauranga: n = log(1 + (FV * r / PMT)) / log(1 + r). Hei tauira, ki te $500 ia marama te penapena i te huamoni ia tau o te 4% (0.333% ia marama) mō tētahi whāinga $20,000: n = log(1 + (20,000 * 0.00333 / 500)) / log(1.00333) = tata ki te 37 marama. Ka tere ake i te huamoni te ara, inā koa i roto i ngā wā roa. Ka ngawari ake ēnei kaika ma ngā tataihanga penapena ipurangi penei i te Sorted.org.nz. Puna: Sorted NZ sorted.org.nz; pangarau ahumoni whānui.

I te tau 2025, ka rerekē ngā reiti huamoni pūtea penapena o Aotearoa e ai ki te momo hua me te pēke. Ko ngā pūtea penapena ipurangi (ā-tukutuku) ka tukuna ana i te 2.5-4% ia tau. Ko ngā pūtea penapena mōhio e hiahia ana ki te 32-90 ra mōhio ki te tango ka tukuna ana i te 4-5% ia tau. Ko ngā penapena-wā kotahi-tau i ngā pēke matua o Aotearoa kei roto inaianei i te 4.5-5% ia tau. Ko ngā pūtea penapena painga penei i te Savings On Call a ASB, te Serious Saver a ANZ rānei ka taea te tuku i te 4-5% ka tutuki ngā tikanga penei i te takoha ia marama me te kore tango. Ko te OCR (Reiti Moni Tika) ka whakaritea e te Pēke Matua o Aotearoa ka tino pa ana ki ēnei reiti; i te heke o te OCR i roto i te 2024-25, ka heke ngā reiti penapena-wā me ngā penapena mai i ngā taumata teitei o te tau 2023. Mō ngā reiti o nāianei, tirohia te interest.co.nz e kohikohi ana i ngā reiti pēke o Aotearoa ia rā. Puna: interest.co.nz; Sorted NZ sorted.org.nz.

Ka whiwhi huamoni ana ngā pūtea penapena me ngā penapena-wā, engari ka rerekē i roto i te ngawari me te reiti. Ko ngā pūtea penapena he ā-tukutuku, he poto-mōhio rānei, ko te tikanga ka taea e koe te uru ki tō moni i tētahi wā (me te mōhio poto rānei), ka pai mō ngā pūtea ohotata, mō ngā whāinga hoki he rerekē ana te wā. Ko ngā reiti huamoni he iti ake i ngā penapena-wā. Ka utua e ngā penapena-wā tō moni mō tētahi wā pūmau (hei tauira 30 rā ki te 5 tau) hei utu mō tētahi reiti nui ake, pūmau rānei. Ki te hiahia koe ki te pakaru i tētahi penapena-wā wawe, ka taea e ngā pēke te utu whakamutua utu rānei ki te whakaheke i te huamoni i utua. Mō te penapena whāinga o Aotearoa, whakaritea te hua ki tō wā: whakamahia tētahi pūtea penapena mō ngā whāinga i roto i te 1-2 tau ka hiahia ana ki te ngawari, me te whakaaro ki ngā penapena-wā mō ngā whāinga he ra pūmau 1-5 tau ake. Puna: interest.co.nz; Sorted NZ sorted.org.nz.

Ko te KiwiSaver ehara i te mea tika hei waka penapena mō ngā whāinga poto, waenga rānei ehara i te hoko whare tuatahi. Ka utua ngā tahua KiwiSaver a ka tangohia anake i roto i ngā āhuatanga e toru: ka tae ki te pakeke motuhake mō te Superannuation o Aotearoa o te 65 tau; te hoko i tō whare tuatahi (e ai ki ngā paearu motuhake me tētahi mema o 3 tau iti rawa); rānei te pa o te hononga ahumoni tino e tohua ana e IRD. Ko ngā tangohanga heke neke-atu ki tētahi whenua kē me te mate tino ka wātea anō i roto i ngā āhuatanga iti. Mō tētahi whāinga he wā iti iho o te 5-10 tau kāore e pa ana ki te hoko whare tuatahi, kāore e tika ana te KiwiSaver nā ngā aukati utua. Mō ēnei whāinga, ko ngā pūtea penapena, ngā penapena-wā rānei he pai ake. Ka pai te mahi a KiwiSaver hei taputapu penapena penihana roa-roa me te whare tuatahi. Puna: Ture KiwiSaver a IRD; Sorted NZ sorted.org.nz.