Ina tae atu ki te moni, he pātai ā tātou katoa. Me pēhea te whakamahi i a KiwiSaver ki te hoko whare? Ka whakaaetia ahau mō tētahi mōkete whare? Ko tēhea nama hei whakaea i te tuatahi? Me uru atu ki tētahi tahua KiwiSaver? Rapua ngā whakautu ki ō pātai, me ngā whakaaro o ētahi atu.

When it comes to money, we’ve all got questions. How do you use KiwiSaver to buy a house? Will you get approved for a home loan? Which debt should you pay off first? Which KiwiSaver fund should you be in? Get answers to your questions and see what other people are wondering. 

Ngā Pātai Auau

Me pēhea au mōhio ai mēnā ka taea e au te utu mō tētahi kāinga?

Whakamahia te paetukutuku o Sorted.org.nz - Ki te hanga mahere pūtea e mārama ai ki tō whiwhinga me ō whakapaunga pūtea, ā, me te whakamahi hoki i te tātaitai Mōkete e āwhina i a koe kia mārama ai mēnā e taea e koe te utu i te mōkete

He aha te First Home Withdraw, ā, me pēhea au mōhio ai mēnā e māraurau ana au?

Ka taea e ngā mema māraurau te tango i ō rātou penapena KiwiSaver (tae atu ki ngā whiwhinga tāke). Engari me noho tonu te $1000, nui ake rānei ki tā rātou pūkete KiwiSaver. E māraurau ai koe ki tētahi first home withdrawal a KiwiSaver:

  • Me noho hei mema o te kaupapa KiwiSaver, tētahi atu tahua penihana e whakaaetia ana, mō te toru tau neke atu rānei,
  • Kāore anō i pupuri whare, whenua rānei i mua, (engari tērā ngā here mō te kaihoko kāinga),
  • Me hoko kāinga, whenua rānei i Aotearoa,
  • Me noho i roto i te kāinga, i runga rānei i te whenua e hoko ana koe mō te 6 marama,
  • Kāore i whiwhi i te first home withdrawal i mua.

Tēnā hihira mēnā he tahua kua whakaaetia, tō kaiwhakarato Kiwisaver, mō te First Home Withdraw.

Ngā whakaritenga tāpaetanga KiwiSaver.

  • Me auau tonu tō tāpae i te tapeke mōkito ki te KiwiSaver mō te 3 tau.
  • Ko te tāpaetanga mōkito he 3% o tō whiwhinga moni katoa.
  • Ehara i te mea me raupapa ngā tau e 3, engari hui katoa me eke ki te 3 tau tāpaetanga. Hei tauira, mēnā kua noho koe hei mema o KiwiSaver mō te 3 tau engari i whakatārewa koe i ō penapena pūtea mō te 6 marama, e kore koe e māraurau ake mō te First Home Grant, kia tāpae koe mō te 6 marama anō.
  • Ko ngā tāpaetanga me ahu mai i ō mātāpuna whiwhinga moni katoa, kaua i tō mātāpuna matua anake.

Mēnā ehara koe i te tangata whiwhi moni, me tūao tō tāpae moni, kia eke ki te 3% o te utu kaimahi mōkito rawa, i runga anō i te wiki mahi 40 hāora.

Mēnā ko koe tonu tō rangatira, kei runga rānei i te penihana, ā, e tuku ana i ngā tāpaetanga tūao, me tuku tāpaetanga koe i te wā kotahi, neke atu rānei, ia tau, mō te 3 tau, o te 3% neke atu rānei o tō whiwhinga moni ā-tau katoa.

Mēnā i tuku koe i te pahekotanga o ngā tāpaetanga aunoa, tūao hoki, me eke te tapeke ki te 3% neke atu rānei o tō whiwhinga moni ā-tau katoa.

Me pēhea au mōhio ai mēnā e māraurau ana au mō te First Home Loan, te First Home Grant hoki/rānei?

Tīmata i konei ki te kite mēnā e māraurau ana koe, ā, mō te aha hoki?

https://kaingaora.govt.nz/home-ownership/first-home-decision-tool/ 

E māraurau ai koe mō tētahi First Home Grant, First Home Loan hoki/rānei:

  • me pakeke ake i te 18 tau
  • me iti ake tō moni whiwhi ā-tau i ngā poki moni whiwhi o ngā marama 12 kua hipa
  • kāore ō puringa kāinga/whenua i tēnei wā, engari kāore te whenua Māori e uru atu
  • kua tāpae koe i te tapeke mōkito, neke atu rānei, ki a KiwiSaver (tētahi tahua e whakaaetia ana, tētahi kaupapa whakawātea kaituku mahi rānei) mō te toru tau, neke atu rānei
  • me hoko whare i runga anō i ngā poki utu whare ā-rohe
  • me whakaae koe ki te noho i roto i tō whare hou mō te 6 marama, neke atu rānei

Me whakarite hoki koe kia tutuki i tō whare, whenua rānei ngā whakaritenga puringa whare/whenua.

Mēnā koe i te tāpae atu ki tētahi kaupapa penihana i tua atu i te KiwiSaver, waea mai ki a Kainga Ora i 0508 935 266 ki te hihira i te māraurautanga o tō tahua.

Tirohia hoki a www.kaingaora.govt.nz ki te whakarite mēnā e hou ana ēnei mōhiohio.

Ngā whakaritenga moni whiwhi

I ngā marama 12 i mua i tō tono, me whiwhi rawa koe i te:

$95,000 iti iho rānei i mua o te utu tāke, mō te kaihoko takitahi.

$150,000 iti iho rānei i mua o te utu tāke mō ngā kaihoko takirua, neke atu rānei.

Anei ngā poki utu ā-Rohe

Region Existing/older properties New properties
Auckland $625,000 $700,000
Queenstown-Lakes District $600,000 $650,000
Kāpiti Coast District, Porirua City, Upper Hutt City, Hutt City, Wellington City $550,000 $650,000
Hamilton City, Tauranga City, Western Bay of Plenty District, Waipa District, Hastings District, Napier City, Nelson City, Tasman District  $525,000 $600,000 
Waimakariri District, Christchurch City, Selwyn District   $500,000 $550,000 
Waikato District, Dunedin City   $425,000 $550,000 
Rest of New Zealand   $400,000 $500,000 
Ka hia te nui ka whiwhi pea au i te First Home Grant mēnā au e māraurau ana, ā, me whakahokia aua pūtea rā?

Ina hoko koe i tētahi kāinga kua tū kē, ka taea e koe te $1000 mō ia o ngā tau e 3 (neke atu rānei) kua utu koe ki te kaupapa. Ko te nui o te pūtea e taea ana e koe ko te $5000 mō te 5 tau, neke atu rānei.

Ina hoko koe i tētahi kāinga hou, whenua rānei hei whakatū whare, ka taea e koe te whiwhi i te $2000 mō ia o ngā tau e 3 (neke atu rānei) kua utu koe ki te kaupapa. Ko te nui o te pūtea e taea ana e koe ko te $10,000 mō te 5 tau, neke atu rānei.

Kāo, e kore koe e mate ki te whakahoki i aua pūtea, engari tērā ngā āhuatanga me whakamōhio koe i ngā panonitanga ki tō tono i muri mai i te tukutanga o tō tono, ka whai pānga pea ki tō māraurautanga.

He aha te First Home Loan, ā, e tukua ana e ngā pēke katoa?

E tukua ana ngā First Home Loan e ētahi pēke me ētahi atu kaituku moni, ā, e oatitia ana e Kāinga Ora. Ko te tikanga o tērā ka utu noa iho pea koe i te 5% moni kuhu kaua ko te 20%. Hei tauira, ko te kāinga e $500,000 te uara, ka whakarato noa iho pea koe i te moni kuhu o te $25,000 ka taea i te tapeke o tō KiwiSaver (tangohia te $1000 me noho ki tō pūkete KS) me ō pūtea penapena.

Me tutuki i a koe ngā paearu ōrite ki te First Home Grant, me tutuki hoki ngā whakaritenga mō te poki Utu Whare ā-Rohe. Anei te rārangi o ngā Kaituku moni e tuku ana i te First Home Loan i tēnei wā. Ka taea e koe te toha i ēnei taipitopito, te tohu rānei i ō kaiwhakauru ki https://kaingaora.govt.nz/home-ownership/first-home-loan

www.westpac.co.nz
Waea Kore-utu: 0800 177 277

www.tsbbank.co.nz
Waea Kore-utu: 0800 231 232

www.kiwibank.co.nz
Waea Kore-utu: 0800 272 278

www.nzcuemployees.co.nz
Waea: 09 579 0448

www.co-operativebank.co.nz
Waea Kore-utu: 0800 134 034

www.sbsbank.co.nz
Waea Kore-utu: 0800 727 2265

www.nzcubaywide.co.nz
Waea Kore-utu: 0800 BAYWIDE
Email: enquiries@nzcubaywide.co.nz

www.nbs.co.nz
Waea Kore-utu: 0200101700
Email: nelson@nbs.co.nz

www.nzhl.co.nz
Waea Kore-utu: 0800 332 837

E whakaaroaro tonu ana mō te moni?

Mēnā e hiahia ana koe ki te matapaki i tō ake āhuatanga, ki te kimi kupu āwhina rānei, me toro atu ki te tīma i MoneyTalks, ki tā rātou nama kore utu. He ratonga tūmataiti, ā, ka noho muna ngā kōrero katoa.

Kōrero tuihono

Waea 0800 345 123

Pātuhi 4029

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