Te āhua o tā mātou tātai
Te āhua o tā mātou tātai i ia tepe, ngā kōwhiringa i whakatauria e mātou i ngā wāhi kāore ngā pēke e whakaputa ana i ā rātou, ā mātou whakapae, me ia whakamātautau pūkaha me tōna otinga.
Ngā reiti e pānuitia ana i te 10 Noema 2026. I whakaūngia ngā reiti whakamātau i te 13 Hūrae 2026. I tirohia ngā ture i te 10 Noema 2026.
Ngā tikanga, me te take i kōwhiria ai e mātou
Te whakautu
Ka tātai mātou i ngā tepe e toru, ā, ka tango i te mea iti rawa: te kaha utu, te tepe nama ki te moni whiwhi me te tepe moni tāpui (LVR). Ka kī te otinga ko tēhea e here ana me te take. Mā ngā pēke e whakatau; he matapae noa tēnei.
Kaha utu (serviceability)
Te moni e toe ana ia marama = te utu ka riro mai + te wāhanga o te rēti ka tatauria − ngā utu noho − ētahi atu utu whakahoki nama − tētahi moni ārai. Ko te taurewa e tautokona ana ko te wāriu o nāianei o tētahi utu ōrite (annuity): loan = surplus × (1 − (1 + r)^−n) / r, ko r te reiti whakamātau ka wehea ki te 12, ā, ko n = 360 marama. Nō te pūkaha tiritahi e whakamahia ana e tō mātou pae utu whakahoki te tātai.
Ngā reiti whakamātau
Te reiti whakamātau kua whakaputaina e ia pēke, i whakaūngia i Hōngongoi 2026 e interest.co.nz me MPA. Mā te taunoa ka whakamahia e mātou te toharite o ngā pēke e rima (6.94%) kia kaua mātou e tautoko i tētahi pēke, ā, ka whakaatu i ia pēke i te raupapa arapū. Nō ngā mātāpuna tuarua anake te wā whakamātau 30 tau.
Ngā utu noho: tā mātou whakapae
Ka whakataurite ngā pēke i ō utu noho ki ngā paerewa ā-roto kāore e whakaputaina ana. Ka whakamahia e mātou te mea teitei ake o tō tatauranga me tā mātou ake papa: $1,600 ia marama mō te pakeke tuatahi, $800 mō ia atu pakeke me te $500 mō ia tamaiti e whakawhirinaki ana. He whakapae nā mātou ēnei, ehara i ngā tatauranga a ngā pēke. Ka taea e koe te whakaweto i te papa.
Tepe DTI
Te moni whiwhi i mua i te tāke (tae atu ki te rēti katoa) × 6 mō ngā kainoho rangatira, × 7 rānei mō ngā kaihaumi, ka tangohia ngā nama o nāianei, tae atu ki ngā tepe katoa o ngā kāri nama me ngā pūtea nama. Kei roto i te tepe te 6 tonu; ko te mea i runga ake i te 6 he teitei.
Tepe moni tāpui (LVR)
Loan = deposit × LVR / (1 − LVR): 80% mō ngā kainoho rangatira, 70% mō ngā kaihaumi, 95% mō te First Home Loan, te wāhanga rānei ka kōwhiria e koe mō tētahi taurewa moni tāpui iti, mō tētahi whare hou rānei. Kei roto i te ture te 80% tonu; ko te mea i runga ake i te 80% he teitei.
Ngā wehenga
Kāore ngā tepe LVR e pā ana ki ngā First Home Loan, ā, e ai ki ngā mātāpuna tuarua, kāore hoki te DTI; kāore ēnei e rua e pā ana ki ngā whare hou. Ka whakaaturia e mātou tētahi tepe kāore e pā ana hei "kāore e pā". Kāore i taea e mātou te whakaū i te kupu o nāianei i rbnz.govt.nz.
Rēti
Ka tatau mātou i te 75% o te rēti mō te kaha utu (e ai ki ngā mātāpuna e rua, 70% ki te 80%), ā, ko te katoa hei moni whiwhi mō te DTI, pērā i tā Kiwibank e whakamārama ai.
Whānuitanga utu
Te taurewa me te moni tāpui i te reiti whakamātau a ia pēke, mai i te mea uaua rawa ki te mea māmā rawa. Ko ngā utu whakahoki i te reiti 1 tau toharite e pānuitia ana puta noa i ngā pēke e rima, te tēpu whai rā ōrite e whakamahia ana e tō mātou pae utu whakahoki, kua whakaawhiwhia whakarunga ki te hēneti.
Ngā mea ka waiho e mātou ki waho
Tāke: ka tāurua koe i te utu ka riro mai. Ngā tepe kāri nama: ka tatauria mō te DTI, engari kaua hei utu ā-marama, nā te mea kāore ngā pēke e whakaputa ana i te wāhanga e whakamahia ana e rātou. Ka tangohia ngā utu hoko i te moni tāpui ka tāurua e koe.
Nō hea ngā reiti
Nō interest.co.nz ngā reiti whakamātau a ngā pēke, i whakaūngia i te 13 Hūrae 2026. Nō te tēpu ā-wiki ōrite ki tō mātou pae utu whakahoki ngā reiti e pānuitia ana, ko tōna rā ko te 10 Noema 2026. Kāore rawa he reiti e puta i tēnei pae me te kore rā.
Ngā whakamātautau pūkaha
Ka rere ia take tono taurewa i tā mātou kōnae rangahau (HL-01 ki te HL-14) i mua i ia hanganga, me ā mātou arowhai pūkaha, ā, ka mutu te hanganga mēnā ka hapa tētahi. I te 10 Noema 2026: 58 i angitu, 0 i hapa.
| Arowhai | Pūtake | Otinga | Taipitopito | Mātāpuna |
|---|---|---|---|---|
| HL-01 DTI ratio | sourced | Angitu | expected 6.25, got 6.25 | Mātāpuna |
| HL-01 owner-occupier high DTI | sourced | Angitu | expected true | Mātāpuna |
| HL-02 DTI 600000/100000 | computed from sourced rule | Angitu | expected 6, got 6 | Mātāpuna |
| HL-02 high DTI flag at 6 (owner-occupier) | computed from sourced rule | Angitu | expected false, got false | Mātāpuna |
| HL-02 DTI 601000/100000 | computed from sourced rule | Angitu | expected 6.01, got 6.01 | Mātāpuna |
| HL-02 high DTI flag at 6.01 (owner-occupier) | computed from sourced rule | Angitu | expected true, got true | Mātāpuna |
| HL-03 investor DTI | computed from sourced rule | Angitu | expected 7, got 7 | Mātāpuna |
| HL-03 investor at 7 is not high | computed from sourced rule | Angitu | expected false | Mātāpuna |
| HL-04 max total debt at DTI 6 | computed from sourced rule | Angitu | expected 720000, got 720000 | Mātāpuna |
| HL-04 max new home loan after the card limit | computed from sourced rule | Angitu | expected 710000, got 710000 | Mātāpuna |
| HL-05 LVR 640000/800000 | computed from sourced rule | Angitu | expected 0.8, got 0.8 | Mātāpuna |
| HL-05 high LVR flag at 0.8 (owner-occupier) | computed from sourced rule | Angitu | expected false, got false | Mātāpuna |
| HL-05 LVR 640080/800000 | computed from sourced rule | Angitu | expected 0.8001, got 0.8001 | Mātāpuna |
| HL-05 high LVR flag at 0.8001 (owner-occupier) | computed from sourced rule | Angitu | expected true, got true | Mātāpuna |
| HL-06 investor LVR | computed from sourced rule | Angitu | expected 0.7, got 0.7 | Mātāpuna |
| HL-06 investor at 70% is not high | computed from sourced rule | Angitu | expected false | Mātāpuna |
| HL-06 investor deposit for standard lending | computed from sourced rule | Angitu | expected 270000, got 270000 | Mātāpuna |
| HL-07 deposit firstHomeLoan5pct | computed from sourced rules | Angitu | expected 35000, got 35000 | Mātāpuna |
| HL-07 deposit standard20pct | computed from sourced rules | Angitu | expected 140000, got 140000 | Mātāpuna |
| HL-07 deposit investor30pct | computed from sourced rules | Angitu | expected 210000, got 210000 | Mātāpuna |
| HL-08 First Home Loan premium1_2pct | computed from sourced rule | Angitu | expected 6840, got 6840 | Mātāpuna |
| HL-08 First Home Loan kiwibankFee1_0pct | computed from sourced rule | Angitu | expected 5700, got 5700 | Mātāpuna |
| HL-08 First Home Loan oldRate0_5pct | computed from sourced rule | Angitu | expected 2850, got 2850 | Mātāpuna |
| HL-09 First Home Loan eligibility: 1 buyer(s), 0 dependant(s), $95000 | computed from sourced rule | Angitu | expected true, got true | Mātāpuna |
| HL-09 First Home Loan eligibility: 1 buyer(s), 0 dependant(s), $95001 | computed from sourced rule | Angitu | expected false, got false | Mātāpuna |
| HL-09 First Home Loan eligibility: 1 buyer(s), 1 dependant(s), $150000 | computed from sourced rule | Angitu | expected true, got true | Mātāpuna |
| HL-09 First Home Loan eligibility: 2 buyer(s), 0 dependant(s), $150000 | computed from sourced rule | Angitu | expected true, got true | Mātāpuna |
| HL-09 First Home Loan eligibility: 2 buyer(s), 0 dependant(s), $150001 | computed from sourced rule | Angitu | expected false, got false | Mātāpuna |
| HL-10 KiwiSaver withdrawal from $25000 | computed from sourced rule | Angitu | expected 24000, got 24000 | Mātāpuna |
| HL-10 KiwiSaver withdrawal from $800 | computed from sourced rule | Angitu | expected 0, got 0 | Mātāpuna |
| HL-10 KiwiSaver withdrawal from $30000 ($5000 from Australia) | computed from sourced rule | Angitu | expected 24000, got 24000 | Mātāpuna |
| HL-11 loan $3000 a month supports at 6.85% | computed | Angitu | expected 457834.08, got 457834.0814 | Mātāpuna |
| HL-12 loan $3000 a month supports at 7.1% | computed | Angitu | expected 446407.34, got 446407.3408 | Mātāpuna |
| HL-13 low equity premium rate (UNVERIFIED rates) | computed from single-source rates | Angitu | expected 0.0075, got 0.0075 | Mātāpuna |
| HL-13 low equity premium a year | computed from single-source rates | Angitu | expected 4500, got 4500 | Mātāpuna |
| HL-14 gross rent a year | computed (default is a choice, see research s 3.4) | Angitu | expected 33800, got 33800 | Mātāpuna |
| HL-14 rent counted at 75% | computed (default is a choice, see research s 3.4) | Angitu | expected 25350, got 25350 | Mātāpuna |
| engine: DTI thresholds and speed limits match the rules file | engine | Angitu | 6 and 7, 20% each | Mātāpuna |
| engine: LVR thresholds and speed limits match the rules file | engine | Angitu | 80% and 70%, 25% and 10% | Mātāpuna |
| engine: bank test rates match the rules file | engine | Angitu | ANZ 6.85%, ASB 6.85%, BNZ 7.1%, Kiwibank 6.95%, Westpac 6.95% | Mātāpuna |
| engine: First Home Loan deposit, caps and premiums match the rules file | engine | Angitu | 5%, $95,000 / $150,000, 1.2% and 1.00% | Mātāpuna |
| engine: KiwiSaver, low equity premiums, rent share and cost ranges match the rules file | engine | Angitu | 3 years and $1,000; Canstar bands; 75% (70 to 80%); cost ranges | |
| engine: principalForPayment and tablePayment round trip to the cent | engine | Angitu | loan 485506.99 back to 3210.5500 a month | |
| engine: at a 0% rate the surplus supports surplus x months | engine | Angitu | got 1800000 | |
| engine: serviceability binds when it is the lowest limit, and the loan equals it | engine | Angitu | loan 710745.16; DTI 755000; LVR 800000.0000000002 | |
| engine: LVR binds with a small deposit (loan = deposit x 4 at 80%) | engine | Angitu | loan 400000.0000000001, LVR 0.8 | |
| engine: DTI binds with high take-home and a big deposit (6 x income less debts) | engine | Angitu | loan 575000, DTI after 6 | |
| engine: First Home Loan path lends to 95% and is DTI exempt | engine | Angitu | LVR limit 759999.9999999993 | |
| engine: investors use 7 x income and a 30% deposit (no First Home Loan) | engine | Angitu | DTI limit 885000, LVR limit 699999.9999999999 | |
| engine: our living-cost floor applies when entered costs are lower (our assumption, labelled) | engine | Angitu | used 2400 | |
| engine: no surplus means no serviceability, and serviceability binds | engine | Angitu | surplus -600 | |
| engine: banks listed alphabetically, and a higher test rate never lends more | engine | Angitu | ANZ 717273, ASB 717273, BNZ 699372, Kiwibank 710026, Westpac 710026 | |
| engine: average of the five test rates is 6.94% | engine | Angitu | got 6.94 | |
| engine: borrowing exactly the DTI limit leaves DTI at 6, which is not high | engine | Angitu | limit 600000 | |
| engine: the LVR limit loan sits exactly at 80%, not above it; a dollar more is high | engine | Angitu | loan 640000.0000000001 | |
| engine: low equity bands split at 80%, 85%, 90% and 95% | engine | Angitu | bands -1, 0, 1, 2, 3 | |
| engine: KiwiSaver first-home withdrawal needs 3 years of membership | engine | Angitu | 2.9 years no, 3 years yes | |
| engine: debts reduce the DTI limit dollar for dollar, including card limits | engine | Angitu | never below zero |