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%.
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 Takuhe Whare Tuatahi, ki te tangohanga whare-tuatahi a KiwiSaver hoki.
- Te Takuhe Whare Tuatahi: ka tukuna ki ngā kaihoko whare tuatahi e māraurau ana te takuhe o te tae atu ki te $5,000 mō ngā tāngata takitahi, me te tae atu ki te $10,000 mō ngā tokorua hei utu ki te hokotanga o tētahi whare kei te tū kē.
- 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 Takuhe Whare Tuatahi me 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. Tē taea te whakamahi i te Takuhe Whare Tuatahi hei utu i te moni tāpui kaihoko.
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: 13 Huitanguru 2024