Tātaitai moni tāpui taurewa whare
Te nui o te moni tāpui e hiahiatia ana mō tētahi utu i te 5%, 10%, 20% me te 30%, me te rahi o ō penapena me tō tango KiwiSaver mō te whare tuatahi ina tāpiria.
Te whakautu poto
Mō tētahi whare $ 750,000, ko te moni tāpui 20% ko te $ 150,000, ko te moni tāpui 10% ko te $ 75,000, ā, ko te moni tāpui 5% o te First Home Loan ko te $ 37,500. Me whai ngā kaihaumi i te 30%, arā te $ 225,000. Ko ngā kaihoko tokorua kua penapena i te $ 60,000, ā, ko ō rāua toenga KiwiSaver ko te $ 30,000 me te $ 25,000, ka taea te tango i te $ 53,000, mō tētahi moni tāpui o te $ 113,000, arā te 15.07% o te utu.
| Ngā penapena | $ 60,000 |
| Tango KiwiSaver, kaihoko 1 (Te toenga o te $ 30,000, ka tangohia te $1,000 me noho tonu) | $ 29,000 |
| Tango KiwiSaver, kaihoko 2 (Te toenga o te $ 25,000, ka tangohia te $1,000 me noho tonu) | $ 24,000 |
| Tō moni tāpui | $ 113,000 |
| Te wāhanga o te utu | 15.07% |
| Te nui rawa ka taea e koe te utu me te moni tāpui 20% | $ 565,000 |
| Me te moni tāpui 10% | $ 1,130,000 |
| Me te moni tāpui 5% (First Home Loan) | $ 2,260,000 |
Te moni tāpui i ia ture
| Ture | Moni tāpui | Taurewa | Ko koe |
|---|---|---|---|
| First Home Loan, 5%Utu tāpiri $ 8,550 (1.2%), $ 7,125 rānei i Kiwibank (1.00%) | $ 37,500 | $ 712,500 | Kua ea |
| Moni tāpui iti, 10%Utu tāpiri tūtanga iti tata ki te 0.75% ki te 0.75% ia tau (UNVERIFIED) | $ 75,000 | $ 675,000 | Kua ea |
| Kainoho rangatira paerewa, 20% | $ 150,000 | $ 600,000 | E hapa ana te $ 37,000 |
| Kaihaumi, 30% | $ 225,000 | $ 525,000 | E hapa ana te $ 112,000 |
Ko te tango KiwiSaver, me 3 tau o te mematanga, me waiho te $1,000 i te pūkete, kotahi anake te wā, ā, ka utua ki tō rōia. Me penapena moni hoki mō ngā utu hoko.
Te whakamahi i te KiwiSaver mō tō moni tāpui
Ka taea e koe te tango i te nuinga o ō penapena KiwiSaver hei hoko i tō whare tuatahi. Ka tātai te KiwiSaver first home withdrawal calculator i tō mātou pae tuakana i tō ake tango kia hōhonu ake.
- Kia 3 tau te iti rawa mai i tō koha tuatahi.
- Me waiho e koe te $1,000 i te pūkete, ā, ka noho tonu hoki te moni i whakawhitia mai i tētahi kaupapa super o Ahitereiria.
- Kotahi anake te wā, mō tētahi whare ka noho koe, kaua mō tētahi whare rēti.
- Ka utua ki tō rōia, ki tō kaiwhakawhiti rawa rānei i te whakataunga.
- Ko te hunga kua whai whare i mua, tērā pea ka tika hei kaihoko tupono tuarua (second-chance buyers) me tētahi pānui a Kāinga Ora.
Te ara moni tāpui 5%
Ka whakaheke te Kāinga Ora First Home Loan i te moni tāpui ki te 5% mō ngā kaihoko whare tuatahi e tika ana, mā ngā kaituku taurewa e whai wāhi ana. Kāore ngā tepe LVR a Te Pūtea Matua e pā ana ki ngā taurewa Kāinga Ora. Tirohia tā mātou kaiwhakamahere kaihoko whare tuatahi mō ngā tepe moni whiwhi me te utu tāpiri.
He aha i hira ai te 20%
Me whai te nuinga o ngā taurewa kainoho rangatira i te moni tāpui 20%. Ka āhei ngā pēke ki te tuku me te iti iho mō te 25% o ā rātou taurewa kainoho rangatira hou (mai i te 1 o Hakihea 2025), ko te tikanga me tētahi utu tāpiri tūtanga iti me tētahi wāriutanga rēhita. Me whai ngā kaihaumi i te 30%, ā, ka whakaaetia te 10% o ngā taurewa i raro iho. I puritia e Te Pūtea Matua ēnei tautuhinga i tana arotake o Hereturikōkā 2026.
Reserve Bank, 14 Oct 2025 (Scoop) · interest.co.nz, 14 Aug 2026 · Canstar low equity premiums, 24 Jun 2026
Ētahi atu tātaitai
Ētahi atu pātai tono taurewa
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 →Utu hoko
Rōia, LIM, tirotiro whare, wāriutanga me ngā utu tāpiri.
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 →