Tātaitai Pūtea Wā-Pūmau
Tātauria te uara pakari me te reiti whaihua mō te pūtea wā-pūmau NZ.
Mō tēnei tātaitai
Ka whakatinanahia e tēnei tātaitai ngā raraunga reiti RBNZ me ngā ture RWT a IRD mai i RBNZ + IRD (RWT). Tirohia whakamutunga 18 Haratua 2026. Whakamanahia ngā tatauranga mā te whai i te hononga.
Ngā reiti pūtea wā-pūmau o nāianei
Tohu — ka rerekē ki te pēke- •3-marama: ~4.40–4.80%
- •6-marama: ~4.85–5.20%
- •12-marama: ~5.10–5.50%
- •2-tau: ~5.00–5.30%
- •Ka pā te RWT: 10.5%-39% (tō taupae)
- •Kāore he tau IRD: 45% taunoa
Puna: RBNZ — Ngā reiti huamoni
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 tātai whiwhinga pūtea wā-pūmau
Tauira huamoni whakawhānui, ka tangohia te RWT.
- 1
Tauira huamoni whakawhānui
Tapeke = P × (1 + r ÷ n)^(n×t)
P = tūāpapa, r = reiti.
- 2
Huamoni katoa
Huamoni_katoa = Tapeke − P
Te huamoni tāke.
- 3
Tangohanga RWT
RWT = huamoni_katoa × tō_reiti_RWT
Ka tangohia e te pēke.
- 4
Reiti whaihua muri-tāke
Effective_rate = ((P + Net_interest) ÷ P)^(1÷t) − 1
Whiwhinga ā-tau i muri o te tāke.
Tauira
Tāuru: $10,000 i te 5.20%
Hua: $10,532 i te mutunga. Mā $372.
Ngā Pātai Auau
He pēhea te tāke RWT i te pūtea wā-pūmau?
Ka āhei te whakawhānui i te pūtea wā-pūmau?
He aha ngā utu whatianga mō te pūtea wā-pūmau NZ?
Me wehe taku pūtea wā-pūmau ki ngā pēke maha?
Ka tātai tēnei tātaitai i te uara whakatutuki, te huamoni tōpū, te tangohanga RWT, me te hua pono i muri i te tāke mō ngā pūtea wā-pūmau o Aotearoa, me te piki-huamoni ā-marama, ā-hauwhā, ā-tau, i te whakatutuki rānei.
Me pēhea te mahi a tēnei tātaitai
Ka rakaina e te pūtea wā-pūmau ō moni i te reiti pūmau mō te wā pūmau. Ka whakamahi te tātaitai i te tātai piki-huamoni — tūāpapa × (1 + reiti ÷ wā)^(wā × tau) — ki tō auautanga piki-huamoni, kātahi ka tango i te tāke pupuri kainoho (RWT) i te huamoni ki tō reiti i kōwhiria: 10.5%, 17.5%, 30%, 33%, 39% rānei kia rite ki tō taumata moni whiwhi, he 45% whiu rānei mēnā kāore he tau IRD i te pēke. Ko te hua nui ko te reiti whaihua i muri i te tāke, nā te mea ka heke te 5.20% tōpū ki te 3.6% pea mō te kaitāke 30% — me whakataurite ki te pikinga utu i mua i te raka. E rua ngā tohu: ka piki-huamoni anake mēnā ka waiho te huamoni ki roto (kāore te huamoni i utua ki waho e whiwhi anō), ā, ko te wāwāhi wawe i te pūtea ka ngaro te nuinga o te huamoni, nō reira mā te arawhata i ngā rā whakatutuki e mau ai te ngāwari.
Ngā reiti pūtea wā-pūmau me te tāke (waenga-2026)
| Reiti 3-marama | ~4.40 - 4.80% |
| Reiti 6-marama | ~4.85 - 5.20% |
| Reiti 12-marama | ~5.10 - 5.50% |
| Reiti 2-tau | ~5.00 - 5.30% |
| RWT mō te huamoni | 10.5% / 17.5% / 30% / 33% / 39% |
| Kāore he tau IRD | 45% te tangohanga taunoa |
He awhe tohu; ka huri ngā reiti ia wiki.
Ngā Tauira Mahia
$10,000 i te 5.20% mō te 12 marama, piki ā-marama, 30% RWT
Whakatutuki $10,533 tōpū; huamoni toenga $373 — reiti whaihua ≈ 3.73%.
- Whakamutunga: $10,000 × (1 + 0.052 ÷ 12)^12 = $10,532.60
- Huamoni tōpū: $532.60
- RWT: $532.60 × 30% = $159.80
- Huamoni toenga: $372.80 → hua whaihua ≈ 3.73%
$25,000 i te 5.35% mō te 6 marama, huamoni i te whakatutuki, 17.5% RWT
Huamoni tōpū $668.75; RWT $117.03; toenga $551.72 i te whakatutuki.
- Huamoni māmā mō te 6 marama: $25,000 × 5.35% × 0.5 = $668.75
- RWT: $668.75 × 17.5% = $117.03
- Huamoni toenga: $551.72
- Ka whakahokia: $25,551.72
I hangaia, i tiakina e Konstantin Iakovlev. Raraunga mai i te IRD me ngā puna kāwanatanga mana o Aotearoa.
Arotakehia whakamutunga: