Ngā utu hoko whare
Ngā utu tōmua o te hoko whare i runga ake i te moni tāpui: rōia, LIM, tirotiro whare, wāriutanga me te utu tāpiri First Home Loan, me ngā whānuitanga i kitea e mātou.
Te whakautu poto
Mā te hoko i tētahi whare $ 750,000 me te moni tāpui 20%, whakaritea he tahua tata ki te $ 2,163 ki te $ 4,025 mō te rōia, te LIM me te tirotiro whare, i runga i ngā whānuitanga i kitea e mātou. I runga ake i te 80%, i tētahi hoko tūmataiti rānei, tāpiritia tētahi wāriutanga rēhita tata ki te $700 ki te $1,500.
| Utu | Te whānuitanga i kitea e mātou (UNVERIFIED) | Tō tatauranga |
|---|---|---|
| Rōia, kaiwhakawhiti rawa rānei | $ 1,400 ki te $ 2,500, me te GST me ngā utu whakapau (disbursements) | $ 2,500 |
| Pūrongo LIM | Ngā tauira: $263 ki te $325 (Waimakariri), $304.56 (Queenstown Lakes) | $ 325 |
| Tirotiro whare | $ 500 ki te $ 1,200 | $ 1,200 |
| Te katoa | $ 4,025 |
Me te moni tāpui $ 150,000, me whai koe i te $ 154,025 pea hei moni: te moni tāpui me te $ 4,025 o ngā utu.
Nō te mātāpuna kotahi ia whānuitanga, ā, kua tohua ki te UNVERIFIED. Tonoa he utu tono. Me whai inihua whare i mua i te whakataunga; kāore i kitea e mātou he mātāpuna mō tōna utu.
Te rārangi arowhai
Ngā utu i runga ake i te moni tāpui, me ngā whānuitanga i kitea e mātou. Nō te mātāpuna kotahi ia mea, nō reira ka tohua e mātou ki te UNVERIFIED; ka rerekē ngā utu tono i ia rohe me ia whare.
- Rōia, kaiwhakawhiti rawa rānei: he $1,400 ki te $2,500 te nuinga o te wā, me te GST me ngā utu whakapau (Tremains, 16 o Pipiri 2026).
- Pūrongo LIM mai i te kaunihera: hei tauira, $263 hiko, $325 kape pepa rānei i Waimakariri mō 2026/27, me te $304.56 i Queenstown Lakes. Kāore i kitea e mātou te utu a Auckland.
- Tirotiro whare: tata ki te $500 ki te $1,200, e ai ki te rahi.
- Wāriutanga rēhita: tata ki te $700 ki te $1,500; ko te tikanga e hiahiatia ana i runga ake i te LVR 80%, mō tētahi hoko tūmataiti rānei (Sorted).
- Utu tāpiri First Home Loan: 1.2% o te taurewa, 1.00% rānei i Kiwibank.
- Utu tāpiri tūtanga iti: he utu ā-tau i runga ake i te LVR 80%, tirohia te tātaitai moni tāpui.
- Inihua whare: ka hiahiatia e ngā kaituku taurewa, engari kāore i kitea e mātou he mātāpuna mō tōna utu.
Tremains, 16 Jun 2026 · Sorted · Canstar, 24 Jun 2026 · Kāinga Ora premium FAQ · Kiwibank
Ētahi atu tātaitai
Ētahi atu pātai tono taurewa
Tātaitai moni tāpui
Moni tāpui i te 5%, 10%, 20% me te 30%, me te KiwiSaver.
Huakina →Nama ki te moni whiwhi
Tō ōwehenga DTI me te taurewa nui rawa i raro i te tepe.
Huakina →Kaihoko whare tuatahi
Moni tāpui, KiwiSaver me te First Home Loan i te mahere kotahi.
Huakina →Taurewa kaihaumi
Ka tatauria te rēti i te 75%, he moni tāpui 30% me te DTI o te 7.
Huakina →Reiti whakamātau
Te reiti whakamātau a ia pēke, whai rā, me tōna tikanga.
Huakina →E hia te nui ka taea e au te tono taurewa?
He tātaitai NZ kore utu.
Huakina →