Kaiwhakamahere kaihoko whare tuatahi
Tō moni tāpui, tō tango KiwiSaver me tō tika mō te First Home Loan i te wāhi kotahi, me te utu tāpiri me tētahi whānuitanga matapae o ngā utu hoko.
Te whakautu poto
Ko ngā kaihoko whare tuatahi tokorua e whiwhi ana i te $ 130,000 i a rāua tahi, kei roto i te tepe o te First Home Loan o te $150,000. Mō tētahi whare $ 750,000 me whai rāua i te $ 37,500 mō te moni tāpui 5%. Me te $ 60,000 kua penapenatia me te $ 53,000 mai i te KiwiSaver, kei a rāua te $ 113,000. Ko te utu tāpiri First Home Loan i runga i tētahi taurewa $ 637,000 ko te $ 7,644 i te 1.2%, ko te $ 6,370 rānei i Kiwibank.
| Te moni whiwhi a ngā kaihoko katoa (tepe $ 150,000) | $ 130,000 |
| Kei roto i te tepe moni whiwhi o te First Home Loan | Āe |
| 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% |
| Moni tāpui mō te 5% | $ 37,500 |
| Moni tāpui mō te 20% | $ 150,000 |
| Te taurewa e hiahiatia ana (84.93% o te utu) | $ 637,000 |
| Utu tāpiri First Home Loan | $ 7,644, $ 6,370 rānei i Kiwibank |
| Ngā utu hoko, whānuitanga matapae (tae atu ki tētahi wāriutanga) | $ 2,863 ki te $ 5,525 |
| Te utu whakahoki i te reiti 1 tau toharite, 5.06% | $ 3,442.96 ia marama |
First Home Loan me te 5%. Kua tae tō moni tāpui ki te 5%, ā, kei roto tō moni whiwhi i te tepe o te $ 150,000. Ka puta te First Home Loan i tētahi kaituku taurewa e whai wāhi ana, kaua i a ANZ, i a BNZ rānei, me tētahi utu tāpiri o te 1.2% o te taurewa (1.00% i Kiwibank). Mā tētahi $ 37,000 anō e tae ai ki te 20%.
Mā ngā pēke e whakatau; he matapae noa tēnei. Ko ngā tango KiwiSaver, me 3 tau o te mematanga, ā, me waiho te $1,000 i te pūkete. I kati te First Home Grant i te 22 o Haratua 2024, ā, kāore te First Home Partner e whakaae ana ki ngā tono hou (e ai ki a Kiwibank).
Kāinga Ora First Home Loan
- He moni tāpui 5% mō ngā kaihoko whare tuatahi e tika ana.
- Te moni whiwhi i mua i te tāke i ngā marama 12 kua hipa: tae atu ki te $95,000 mō te kaihoko kotahi kāore he tamariki e whakawhirinaki ana, $150,000 mō te kaihoko kotahi he tamariki e whakawhirinaki ana, me te $150,000 hui tahi mō te tokorua, neke atu rānei.
- Kāore he tepe utu whare (e ai ki ngā pūrongo i tangohia mai i te 1 o Pipiri 2022; kāore i taea e mātou te whakaū i tēnei i tētahi whārangi a Kāinga Ora).
- He utu tāpiri o te 1.2% o te taurewa mō ngā tono i tae ki ngā kaituku taurewa i muri i te 1 o Hōngongoi 2025, i piki mai i te 0.5%. Ka tuku a Kiwibank i te 1.00%, ka taea te tāpiri ki te taurewa.
- Kei roto i ngā kaituku taurewa a ASB (mai i Huitanguru 2026), Westpac, Kiwibank, Co-operative Bank, SBS, Unity, Nelson Building Society me NZHL. Kaua ko ANZ, ko BNZ rānei.
- Me noho koe ki te whare; e kore e taea hei whare rēti.
HUD · Kiwibank · Kāinga Ora premium FAQ, 22 May 2025 · RNZ, 18 Feb 2026
Te tango KiwiSaver mō te whare tuatahi
I muri i ngā tau 3 o te mematanga te iti rawa, ka taea e koe te tango i ō penapena KiwiSaver, me te waiho i te $1,000 i te pūkete. Kotahi anake te wā, mō tētahi whare ka noho koe, ā, ka utua ki tō rōia.
Ngā kaupapa kua kati
First Home Grant: i kati ki ngā tono hou i te 22 o Haratua 2024. I kī a Kāinga Ora ka tukatuka tonu ia i ngā tono kua tae kē mai. Kāore i kitea e mātou he karāti whakakapi mō 2026.
First Home Partner: e ai ki a Kiwibank kua kī katoa te kaupapa, ā, kāore a Kāinga Ora e whakaae ana ki ngā tono hou. I whakaūngia tēnei e mātou i te whārangi a Kiwibank anake, nō reira uiuia a Kāinga Ora.
He panonitanga tērā pea
I oati a National i mua i te pōtitanga o te 7 o Whiringa-ā-rangi 2026 kia whakapikia te tepe moni whiwhi o te First Home Loan ki te $300,000 mō ngā kaitono katoa. Ko ngā otinga whaimana hei te 27 o Whiringa-ā-rangi 2026, ā, kāore anō kia hangaia he kāwanatanga, nō reira ehara tēnei i te ture.
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 →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 →