2. Te whakarite i a koe me te tono
Rapu mōhio e hia te nui ka taea e koe te mino, te whakatipu i tō moni tāpui me te mārama ki te hātepe pūtea taurewa whare.
I mua i tō ruku tonu atu ki te kimi whare, me ako mō te whakaaetanga tōmua o te pūtea taurewa, te mōhio e hia te nui o te pūtea taurewa ka taea e koe te mino me te tirotiro huarahi hei whakatipu i tō moni tāpui.
Mō te nuinga o tātou, ko tā tātou utu i tētahi kāinga ko te moni tāpui me tētahi pūtea taurewa mai i te pēke, i tētahi atu kaituku rānei.
Ka whakamōhiotia atu koe e te pēke, e te kaituku rānei kia hia te nui o tō moni tāpui me ētahi atu here me whakatutuki i mua i tana whakaae ki te pūtea taurewa.
He whāiti ake pea ngā pēke mō te hunga ka tuku pūtea ai rātou. He nui ake pea te utu o te mino mai i ētahi atu kaituku. He utu tāpiri atu anō pea ā rātou ka mutu kāore pea ā rātou moni whakahoki. Me kī nā te pēke kē ēnei.
He aha te rerekētanga o te whakaaetanga tōmua ki te whakaaetanga tūturu?
E tohu ana te whakaaetanga whai here, te whakaaetanga tōmua rānei e hia te nui ka taea pea e koe te mino mēnā e ū ana te whare ki ētahi whakaritenga taurewa ake. Kei roto ko te awhe utu mō te kimi i tō whare i runga i te mōhio, engari ehara i te mea pūmau.
Ko te whakaaetanga tūturu ka whakaratoa e te pēke, kaituku rānei ina kitea e koe tō whare e hiahia ana koe ki te hoko ka mutu kua whakarite rātou kei te ū ki ō rātou here pūtea taurewa. I te nuinga o te wā, e whakaū ana te whakaaetanga tūturu i te rahinga mōrahi ka taea e koe te mino. Mai i konei, ka taea e koe te tuku tō tukunga ōkawa mō te hoko whare, te tono rānei i tētahi hoko kairapu rānei.
Hira!
Mēnā e hiahia ana koe ki te tuku tono i tētahi hoko kairapu, me mātua whakaae te katoa o tō pūtea taurewa i mua. Me kōrero koe ki tō rōia mō tēnei me tō pēke, tō kaituku rānei kia mātua mōhio ai kei ū koe ki ngā whakaritenga katoa. Ka kitea e koe ētahi mōhiohio anō mō te hoko i tētahi kairapu i te Mahi 4. Te hoko.
E hia te nui ka taea e au te mino?
Ko te tikanga ko te nui o tō pūtea taurewa ko te utu tapeke o te whare engari kaua tō moni tāpui (atu ki te nuinga pūtea taurewa mōrahi). Hei tauira, mēnā kei te hoko koe i tētahi whare mō te $650,000, ā, kei a koe te moni tāpui 20% o te $130,000, ko tō pūtea taurewa whare he $520,000. Kua rongo pea koe i tēnei e kīia ana ko te 'ōwehenga taurewa ki te wāriu' (loan-to-value ratio), te LVR rānei, ā, i te nuinga o te wā he 20% te rahi o te moni tāpui. Engari, ka whiwhi pea koe i tētahi mōkete iti iho e ai ki ngā whakaritenga āheitanga me te tuku pūtea a tō pēke, tō kaituku rānei. Me kōrero ki tō pēke, tō kaituku, tō kaitakawaenga mōkete rānei kia kitea ai he aha ngā tukunga ka taea e rātou.
Āwhina – te whai āwhina mā tētahi Pūtea Taurewa Whare Kāinga Ora Tuatahi
Ka taea e te Pūtea Taurewa Kāinga Ora Whare Tuatahi te whakaheke te moni tāpui mai i tōna rahinga noa o te 20% ki te 5% anake mō ngā kirihoko whare tuatahi. Whiwhi mōhio atu anō me te tirotiro i tō āheinga i Pūtea Taurewa Whare Tuatahi.
Āwhina – Te toro pūtea mā te Pūtea Taurewa Kāinga Whenua
He mea hanga te Pūtea Taurewa Kāinga Whenua hei Āwhina i ngā whānau Māori kia eke i a rātou ō rātou whāinga whare me te turaki i ētahi o ngā tauārai mō te toro pūtea. Ka taea te whakamahi hei hanga, hei hoko, hei neke rānei ki runga whenua Māori ariki maha. Whiwhi mōhio atu anō mā te tikiake i te mātārere Pūtea Taurewa Kāinga Whenua [PDF, 1.6 MB].
Kāore e kore ko āu ake penapena te nuinga o tō moni tāpui, engari kei reira ētahi atu āhuatanga hei whakapiki i ō penapena.
Te tiki āwhina i te whānau
I ētahi wā ka taea e te whānau te āwhina i a koe ki roto i tō kāinga tuatahi mā ngā mea pērā i te koha, te pūtea taurewa, te whakaoati rānei. Mēnā kei te āwhinatia koe e tētahi o te whānau, e tūtohua ana kia rapu tohutohu ture motuhake ngā tāngata katoa.
- Ngā moni koha - Koia tērā ko te hiahia a tētahi o te whānau ki te āwhina i a koe mā tētahi pūtea. Me whiwhi whakaū tō kaiwhakarato pūtea taurewa whare kāore koe e mate ki te utu.
- Ngā pūtea i minoa - Ko ngā pūtea i minoa he pūtea ērā ka tāpirihia ki tō moni tāpui, ā, kua whakaritea e koe kia utua tēnei. Arā, ina hokona atu te whare, ina taea rānei e koe te utu te moni.
- Ngā whakaoati - Koia tērā ko te whakamahi a te tangata (pērā i tētahi o te whānau) i tō rātou whare hei huarawa tāpiri hei whakaoati i tō pūtea taurewa. Ka noho ia hei kaiwhakaoati, ka herea ia mō tētahi wāhanga, te katoa rānei o tō pūtea taurewa ki te kore e ea i a koe.
- Te mino ngātahi - Ka tukuna e ētahi pēke, kaituku hoki i te mino ngātahi e whiwhi ai koe i tētahi pūtea taurewa mā ngā tautoko a tētahi o te whānau. Arā, neke atu i te kotahi kei runga i te pūtea taurewa kotahi. Me ea i a koe ngā pūtea taurewa e rua, ā, ka herea pea tō hoa mino ki te utu ki te kore e ea i a koe.
Te Takuhe Whai Whare a te Kaireti
Mēnā he kiritaki whare noho pāpori koe nō Kāinga Ora ināianei, ka taea pea e koe tētahi takuhe hei hoko i te whare kei roto koe. E hāngai ana ngā here, ā, ehara i te mea kei te wātea ngā kāinga katoa a Kāinga Ora ki te hoko, nō reira me kōrero ki a mātou i te tuatahi. Pānui atu anō mō Te Takuhe Whai Whare a te Kaireti.
Te tangohanga kāinga tuatahi a KiwiSaver
Ina hoko koe i tō whare tuatahi, ka taea pea e koe te tango mai i tō KiwiSaver mō tō moni tāpui. Ko te tikanga kua neke atu i te 3 tau koe e tuku pūtea ana ki KiwiSaver (tētahi atu kaupapa penapena māraurau rānei). Kia maumahara, $1,000 i te iti rawa me noho ki tō kaute i muri i tō tangohanga. Pānui atu anō mō Te Tahua Whare Tuatahi a KiwiSaver.
Āwhina – te whakamahi i ō penapena KiwiSaver
Mā mātua whakarite kua whakaritea kētia e koe ō pūtea KiwiSaver i mua i te noho herekore o te whakaaetanga hoko, ka mutu me utu koe i te moni tāpui.
Whiwhi mōhio anō mō ngā hua whai whare a Kāinga Ora i konei.
Ina whiwhi koe i tō moni tāpui, ka taea e koe te tono mō tētahi pūtea taurewa kua whakaaetia tōmuatia. Ka whakamōhiotia koe e tō pēke, tō kaituku rānei e hia te nui ka taea e koe te mino kia pai ai tō tīmata ki te kimi whare.
Ngā mea ka tonoa pea e ngā pēke me ngā kaituku
Ka tirotiro ngā pēke, ngā kaituku katoa rānei i tō tūnga pūtea whānui me tō hītori pūtea, ō nama me ō here katoa me tō kaha ki te utu i tētahi pūtea taurewa. I roto i tēnei, ka tonoa pea koe ki te whakarato:
- Tuakiritanga - Ko tō Raihana Taraiwa o Aotearoa pea tērā, ko tō uruwhenua, tiwhikete whānau, kirirarautanga, kainoho rānei o Aotearoa.
- Wāhi noho onāianei - Ko tētahi nama ratonga tūmatanui pea tērā, nama reiti, whakaaturanga pēke rānei kei roto tō wāhi noho onāianei.
- Tō moni tāpui - Ko tētahi whakaaturanga kaute, penapena rānei pea tērā e whakaatu ana i te moni tāpui tapeke e wātea ana me ngā penapena katoa, ngā tangohanga, ngā takuhe me ngā koha.
- Tō moni whiwhi - Ko ō pepa moni whiwhi o nā tata pea tērā (hei tauira, ngā moni whiwhi o ngā marama e 3 kua hipa). Mēnā he mahi ā-kiri koe, ka tonoa koe ki te tuku i tētahi whakamāramatanga moni whiwhi mai i Te Tari Taake, he kape rānei o ō whakaaturanga pūtea hou rawa mai i tētahi kaikaute.
Whiwhi mōhio atu anō mō ngā whakaaturanga pūtea, me pēhea rānei te whiwhi whakamāramatanga moni whiwhi i ird.govt.nz(external link).
- Hītori pēke, taurewa rānei - Me kī ko ētahi whakaaturanga kaute mō tētahi wā whāiti (hei tauira, 3-6 marama).
- Ō nama me ō whakapaunga - Kei roto pea ko ngā whakaaturanga mō ngā whakapaunga haere tonu pērā i te inihua, ngā kāri nama, ētahi atu tapeke taurewa me ngā whakaritenga rīhi.
Hira!
Ko te tikanga ka pau te wā o tō whakaaetanga tōmua i te ekenga o tētahi wā whāiti, nō reira me mātua whakarite kei te mana tonu i mua i tō tuku tono mō tētahi whare. Ki te rerekē tō āhuatanga, he poto rānei te wā ki te kimi i te whare tika, me tono atu ki tō pēke, kaituku rānei kia whakahoutia tō whakaaetanga tōmua i mua i tōna paunga.
Te Whai Whare Tauwhiro
He kaupapa nā te kāwanatanga te Whai Whare Tauwhiro (PHO) ko tōna whāinga he āwhina i te hunga kāore e taea te hoko whare i te mākete o tēnei wā nā ngā uauatanga ā-pūtea.
Ka āhei atu pea koe ki tētahi whakaritenga rēti-hoko, rangatira ngātahi, rīhi rānei i raro i tētahi o ngā kaupapa PHO maha.
E whakahaerehia ana ēnei kaupapa e ngā kaiwhakarato kua whakaaetia pērā i a Habitat for Humanity New Zealand(external link) me Housing Foundation(external link) me ētahi atu.
Mō te rārangi whānui o ngā kaiwhakarato PHO kua whakaaetia me ngā whakaritenga āheitanga, haere ki Ministry of Housing and Urban Development.(external link)
Te Ratonga Whenua Māori
Tukuna ai e Tupu.nz(external link) Te Ratonga Whenua Māori hei āwhina i ngā wawata o ngā whānau mō ngā whenua herekore Māori. Ka āwhina ōna kaitohutohu ki te tūhono, te waihanga me te whakamahi i ō whenua, te tuku tautoko kia eke i a koe ō whāinga ahakoa te wā o tō hīkoi.
Koinei te wā hei whakawhānui i tō rōpū mā tētahi atu mema kotahi, e rua rānei.
Rōia, mātanga whakawhiti rānei – Mā tētahi rōia, mātanga whakawhiti rānei koe e āwhina mō te taha ture e pā ana ki te hoko whare. Ka tuku tohutohu hira ia mō ō huarahi. Māna hoki e whakarite te whakawhiti i te whare, te whenua rānei mai i tētahi tangata ki tētahi kē.
Kei propertylawyers.org.nz(external link), kei nzsconveyancing.co.nz(external link) rānei tētahi rārangi o ngā rōia me ngā mātanga whakawhiti o tō rohe.
Kaiinihua, kaiwhakarite inihua rānei - Kāore e kore ko tētahi here o tō pūtea taurewa ko te inihua whare, nō reira he pai tonu kia kakama tonu te whakaaro mō ō kōwhiringa. Ka kitea e koe ētahi mōhiohio whaitake mō te inihua whare i sorted.org.nz(external link).
Hira!
E matatau ana ngā rōia me ngā mātanga whakawhiti ki te āwhina me ngā whakawhitinga papanoho. Engari, e tino matatau ana ngā mātanga whakawhitinga ki ngā whakawhitinga anake. Ina kōwhiri ana i tētahi rōia, mātanga whakawhiti rānei, he pai tonu te whiwhi utu āwhiwhi mō ā rātou mahi. He pai tēnei kia kore ai koe e ohorere ki ngā nama.
Anei ētahi hono paetukutuku whaikiko hei āwhina i a koe me te mahi "Te whakarite i a koe me te tono".
- Rārangi arowhai - Te whakarite i a koe me te tono [PDF, 148 KB]
- Tupu.nz(external link) – Te Ratonga Whenua Māori
Ngā hua pūtea hei āwhina i a koe te hoko whare:
- Pūtea Taurewa Whare Tuatahi
- Pūtea Taurewa Kāinga Whenua
- Te tangohanga kāinga tuatahi a KiwiSaver
- Te takuhe whai whare a te kairēti
Ngā rauemi a Sorted hei āwhina me tō moni tāpui me ō moni penapena:
- Sorted.org.nz(external link)
- Utauta tiaki moni(external link)
- Rapu e hia nui o te mōkete ka taea e koe(external link)
- Kaiwhakarite whāinga(external link)
- Me pēhea te penapena mō tētahi moni tāpui(external link)
- Me pēhea te penapena i ō moni(external link)
- Tātaitai mōkete(external link)
- Tātaitai pūtea penapena(external link)
Ngā wāhi hei kimi rōia, mātanga whakawhiti rānei:
IRD:
Kua whakahoungia te whārangi: 15 Hōngongoi 2026