Pūtea Taurewa Whare Tuatahi
Ka whakamāmāhia ake pea te Pūtea Taurewa Whare Tuatahi kia uru atu koe ki tō kāinga tuatahi mā te whakaheke i te moni tāpui e herea ana ki te 5%.
Changes are coming to the First Home Loan insurance premium - 22 May 2025
From 1 July 2025, the insurance premium for new First Home Loan borrowers increases from 0.5% to 1.2% of the loan value. Borrowers can choose to pay this upfront or across the lifetime of the loan.
This change only applies to new First Home Loan applications submitted after 1 July 2025 and does not affect earlier applications. This means existing First Home Loan borrowers stay at the 0.5% premium rate.
For people partway through the application process, the premium will remain at 0.5% if the application is submitted before or on 1 July 2025 and an offer is made on a property before the application approval expires.
If you have further questions about the First Home Loan, please call the Kāinga Ora Customer Support Centre on 0800 801 601 or get in touch with your bank. Or read the First Home Loan Insurance Premium Changes FAQs.
He wero pea te rapu i te moni tāpui mō tō whare tuatahi, ā, e herea ana e te nuinga o ngā kaituku kia 20% i te itinga iho te moni tāpui. Engari mō te Pūtea Taurewa Whare Tuatahi me whai koe i te moni tāpui e 5% noa iho, nō reira he māmā ake te uru atu ki tō whare tuatahi.
Ka tukuna ngā Pūtea Taurewa Whare Tuatahi e ngā pēke, e ērā atu kaituku kua tīpakohia, ā, e taurangitia ana e Kāinga Ora. Nā konei e tukuna ana te kaituku ki te whakarato pūtea taurewa ka noho kē i waho i ā rātou paerewa pūtea taurewa.
Ki te aro mai koe ki te Pūtea Taurewa Whare Tuatahi, kōrerohia ō here, ō āhuatanga takitahi hoki ki tētahi kaituku e whai wāhi mai ana.
I tua atu i te whai moni tāpui o te 5%, me whakatutuki koe i ngā paearu māraurau mō te Pūtea Taurewa Whare Tuatahi. Me whakatutuki hoki koe i ngā paearu taurewa o te pēke, o te kaituku rānei e whai wāhi mai ana.
Kia māraurau ai koe ki te Pūtea Taurewa Whare Tuatahi, me pēnei koe:
- Me kirirarau nō Aotearoa, me kainoho tūturu, me kaipupuri kōkota kainoho e "noho ana i Aotearoa i te nuinga o te wā" rānei
- Me kaihoko whare tuatahi, me kaihoko whare o mua i te tūnga pūtea e ōrite ana ki te kaihoko whare tuatahi rānei
- Me whai i te moni whiwhi i mua i te tāke i te 12 marama kua pahure ake nei o te:
- $95,000 iti iho rānei mō te kaihoko takitahi karekau ngā tāngata e whirinaki mai ana, tērā rānei
- $150,000, iti iho rānei mō te kaihoko takitahi, kotahi, neke atu rānei ngā tāngata e whirinaki mai ana; tērā rānei
- $150,000, iti iho rānei mō te tokorua kaihoko, neke atu rānei, ahakoa e hia ngā tāngata e whirinaki mai ana.
Ērā atu paearu
Hei tāpiri ki tērā, me pēnei koe:
- Me whai moni tāpui kia 5% i te iti iho o te utu hokotanga o te whare e aro ake ana koe ki te hoko (i roto nei ko ngā penapena, ko ngā takuhe, ko ngā tangohanga whare-tuatahi, ko ngā koha katoa)
- Me hoko i te whare hei kāinga mōu hei tō nohoanga matua
- Me kaua e whai papanoho kē, whenua kē rānei, kāore te whai whenua Māori i te noho ki roto nei
- me hoko i te papanoho he iti iho i te 1 heketea te rahi
- Me utu i te utu Rīanga Mōkete a te Kaituku e 0.5% me te utu tono moni taurewa
(mēnā ka whakahāngaihia e te kaituku)
Ngā paearu taurewa a te pēke
Me whakatutuki hoki koe i ngā whakaritenga taurewa a te pēke, a te kaituku rānei e whai wāhi mai ana hei utu i te pūtea taurewa whare.
Kei tēnā pēke, kei tēnā kaituku āna ake paearu taurewa ka aromatawaihia koe e rātou mō ērā hei wāhanga o te tukanga tuku pūtea taurewa, ā, ka taea te whakauru i tō āheinga ā-pūtea ki te utu anō i te pūtea taurewa, i te nui o tō nama o nāianei, i tō hītori taurewa hoki.
Ka tukuna pea koe e ētahi pēke, e ētahi kaituku e whai wāhi mai ana kia hanga koe i tētahi whare hou ki te Pūtea Taurewa Whare Tuatahi. Tonoa tō kaituku mariu mēnā kei te pērā rātou, ā, he aha ā rātou paearu.
Hei tono i tētahi Pūtea Taurewa Whare Tuatahi, me kōwhiri e koe tētahi kaituku e whai wāhi mai ana me te whakaoti i tā rātou puka tono moni taurewa.
Ka kitea tētahi rārangi o ngā kaituku e whai wāhi mai ana i te wāhanga i raro nei. Kei ia kaituku āna ake paearu taurewa me whakatutuki e koe, tahi ki ngā paearu māraurau Pūtea Taurewa Whare Tuatahi hoki. Whāia ngā nekehanga i raro nei ka ārahi ake i a koe mā roto i te tukanga.
- Whakatutukihia ngā paearu - Whakaritea kia whakatutuki koe i ngā paearu māraurau katoa e whakatakotoria ana i runga ake.
- Kōwhiritia tētahi kaituku - Mai i tā mātou rārangi o ngā kaituku e whai wāhi mai ana i te wāhanga i raro nei.
- Kia whiwhi i te moni tāpui e 5% - Mēnā e hiahia āwhina ana koe ki te whakarite i te moni tāpui he kōwhiringa e wātea ana.
- Whakaotihia te tono moni taurewa a te kaituku - Ahakoa e whakatakotoria ana e te kāwanatanga ngā paearu māraurau mō te Pūtea Taurewa Whare Tuatahi, kei ia kaituku ā rātou ake paearu taurewa me whakatutuki.
Ngā whakaae
Ka taea te tono i te whakaae-tōmua, i te whakaae whakamutunga rānei mō te Pūtea Taurewa Whare Tuatahi.
- Te Whakaae-tōmua - Mā te tono i te whakaae-tōmua e tuku koe ki te whakaū ka tau koe ki ngā paearu taurewa me ngā paearu taurewa a te kaituku. Ka taea e te kaituku te tohutohu ki a koe te nuinga e pai ana ki a rātou hei tuku taurewa ki a koe. Kātahi ka taea e koe te rapu i tētahi papanoho tōtika i taua whānui utu whare. Oti ana tō rapu i tētahi papanoho, ka hoki atu koe ki te kaituku kia whiwhi i te whakaaetanga pūtea taurewa whakamutunga.
- Te Whakaae Whakamutunga - mēnā kua kite kē koe i tētahi papanoho e hiahia ana koe ki te hoko ki te Pūtea Taurewa Whare Tuatahi, ka taea te tono i te whakaaetanga whakamutunga. I tēnei āhuatanga, ka aromatawaihia e te kaituku e tau ana ō āhuatanga, te papanoho hoki ki ngā whakaritenga pūtea taurewa.
Te āwhina ki tō moni tāpui
He āwhina e wātea ana mēnā e raru ana koe ki te penapena i tō moni tāpui:
- E pai ana mēnā he koha tō moni tāpui nā tētahi whanaunga
- Ka taea hoki e koe te whakamahi i ngā āhuatanga e rua e tukuna ana e KiwiSaver mēnā kua takoha auau koe mō te toru tau i te itinga iho, ka māraurau pea koe ki te tangohanga whare-tuatahi a KiwiSaver hoki.
- Te tangohanga whare-tuatahi: ka taea e ngā mema māraurau te tango i ā rātou takoha KiwiSaver (tae atu ki ngā whiwhinga tāke). Heoi anō me noho tonu te $1,000 i te itinga iho ki tā rātou pūkete KiwiSaver.
Rapua ētahi atu mōhiohio mō te te tangohanga whare-tuatahi a KiwiSaver
Kāore anō koe kia uru hei mema a KiwiSaver? Haere ki www.ird.govt.nz/kiwisaver(external link) kia whai mōhio ki te uru atu.
Ngā rauemi
Anei ētahi hono hei āwhina pea i a koe
Ahakoa e whakatakotoria ana e Kāinga Ora ngā paearu māraurau, ko te pēke, ko te kaituku rānei tērā ka aromatawai i ngā tono Pūtea Taurewa Whare Tuatahi, kātahi māna te whakatau pūtea taurewa whakamutunga.
Ngā paearu taurewa a ngā kaituku e whai wāhi mai ana
Hei tāpiritanga, me whakatutuki koe i ngā paearu taurewa a tētahi pēke, e tētahi kaituku rānei e whai wāhi mai ana, i mua i te tukunga o tētahi Pūtea Taurewa Whare Tuatahi. I roto pea i tēnei ko tō āheinga ā-pūtea ki te utu anō i te pūtea taurewa, ko te nui o ō nama o nāianei, ko tō hītori taurewa anō hoki.
www.westpac.co.nz(external link)
Waea Utukore: 0800 177 277
www.kiwibank.co.nz(external link)
Waea Utukore: 0800 272 278
Whakapā mai(external link)
www.co-operativebank.co.nz(external link)
Waea utukore: 0800 134 034
www.sbsbank.co.nz(external link)
Waea Utukore: 0800 727 2265
www.unitymoney.co.nz(external link)
Waea Utukore: 0800 229 943
Īmēra: enquiries@unitymoney.co.nz
www.nbs.co.nz(external link)
Waea Utukore: 0800 101 700
Īmēra: nelson@nbs.co.nz
www.nzhl.co.nz(external link)
Waea Utukore: 0800 332 837
Ki te whakanaua au e tētahi kaituku, ka whakanaua anō au e tētahi atu kaituku?
He paku rerekē pea ngā paearu taurewa a tēnā, a tēnā kaituku. Me kōrero koe ki ngā kaituku e whai wāhi mai ana mō ō āhuatanga takitahi.
He aha te rerekētanga i waenga i te moni tāpui 'kaihoko' me te moni tāpui 'ā-pūtea'?
Ko te moni tāpui ā-pūtea ko te nuinga me utu e koe ki te hokotanga o te papanoho. E herea ana e te nuinga o ngā kaituku te moni tāpui o te 20% i te itinga iho. Ki te Pūtea Taurewa Whare Tuatahi, me whai koe i te moni tāpui e 5%. Ko te moni tāpui kaihoko ko te nuinga ka tonoa pea e te kaihoko o te papanoho hei whakamau i te papanoho i mua i te whakataunga. I te nuinga o te wā ka noho tēnei ki te kaihoko papanoho tae atu ki te rā whakataunga.
Ko te Pūtea Taurewa Whare Tuatahi ko te rīanga mōkete?
Kāo. Ko te Pūtea Taurewa Whare Tuatahi ko tētahi momo o te 'Rīanga Mōkete Kaituku' e inihua ana i ngā kaituku ki te ngarotanga mēnā ka huri ki te korenga i utu te utu anō i tētahi pūtea taurewa. He momo rīanga anō te 'Rīanga Mōkete', ka whakahaumaru i ngā kaimino mēnā ka huri ō rātou āhuatanga, ā, ka huri ki te korenga i utu te utu anō i te pūtea taurewa.
He aha te utu kei ahau o tētahi Pūtea Taurewa Whare Tuatahi?
Kei ia kaituku e whai wāhi mai ana ā rātou ake pāpātanga huamoni, utu hoki. Ko tētahi o aua utu ko te utu anō ki te kaituku te utu Rīanga Mōkete Kaituku ka namahia e Kāinga Ora hei inihua i ia Pūtea Taurewa Whare Tuatahi. Ko te nuinga o tēnei utu ko te 0.5% o te nuinga moni tārewa. Ka taea te tāpiri i tēnei nuinga ki te pūtea taurewa.
He herenga ōrite ā te katoa o ngā kaituku Pūtea Taurewa Whare Tuatahi mō te Pūtea Taurewa Whare Tuatahi?
Kāore pea. Ka whakatakotoria e Kāinga Ora ngā paearu mōkito me whakatutuki e ngā kaituku e whai wāhi mai ana, engari ka taea e ngā kaituku te whakahāngai i ngā paearu taurewa he paku rerekē, mēnā ka whakatutukihia ā mātou paerewa hei mea mōkito.
Ka ahatia mēnā ka huri aku āhuatanga ā muri i taku whiwhi i te pūtea taurewa?
Mēnā ka huri ō āhuatanga ā muri i tō tango i te pūtea taurewa me kōrero atu koe ki tō kaituku mō ō āhuatanga kua huri. Ka mahi tahi rātou ki a koe hei āwhina i a koe ki te utuutu anō i te pūtea taurewa.
Kua whakahoungia te whārangi: 22 Haratua 2025