Tātaitai utu whakahoki mōkete NZ
E hia ō utu whakahoki? Ngā tatauranga ia wiki, ia rua wiki, ia marama hoki mō tō taurewa whare, te huamoni katoa, te rā ka wātea koe i te mōkete, me te wāhi ka tae ia tāra.
Te whakautu poto
Mō te taurewa $ 500,000 i te 5.06% (te reiti pūmau 1 tau toharite e pānuitia ana, 10 Noema 2026) mō ngā tau 30, ko ngā utu whakahoki ko te $ 2,702.48 ia marama, ko te $ 1,246.70 ia rua wiki, ko te $ 623.22 rānei ia wiki. I te roanga katoa o te wā, ka utu koe i te $ 472,887 huamoni, me te whakapae ka ōrite tonu te reiti.
| Utu whakahoki ia wiki | $ 623.22 |
| Utu whakahoki ia rua wiki | $ 1,246.70 |
| Utu whakahoki ia marama | $ 2,702.48 |
| Te maha o ngā utu whakahoki ia marama | 360 |
| Te huamoni katoa | $ 472,887 |
| Te katoa i utua | $ 972,887 |
| Ka ea hei te | 10 Noema 2056 |
Te wāhi ka tae ō utu whakahoki, ia tau, ia tau
- Moni taketake i utua (principal)
- Huamoni i utua
- Toenga nama
Ia tau, ia tau
| Tau | Moni taketake i utua (principal) | Huamoni i utua | Toenga nama |
|---|---|---|---|
| 1 | $ 7,297 | $ 25,132 | $ 492,703 |
| 2 | $ 7,675 | $ 24,754 | $ 485,027 |
| 3 | $ 8,073 | $ 24,357 | $ 476,954 |
| 4 | $ 8,491 | $ 23,939 | $ 468,463 |
| 5 | $ 8,931 | $ 23,499 | $ 459,532 |
| 6 | $ 9,393 | $ 23,036 | $ 450,139 |
| 7 | $ 9,880 | $ 22,550 | $ 440,259 |
| 8 | $ 10,391 | $ 22,038 | $ 429,868 |
| 9 | $ 10,930 | $ 21,500 | $ 418,938 |
| 10 | $ 11,496 | $ 20,934 | $ 407,443 |
| 11 | $ 12,091 | $ 20,339 | $ 395,352 |
| 12 | $ 12,717 | $ 19,713 | $ 382,635 |
| 13 | $ 13,376 | $ 19,054 | $ 369,259 |
| 14 | $ 14,069 | $ 18,361 | $ 355,190 |
| 15 | $ 14,797 | $ 17,633 | $ 340,393 |
| 16 | $ 15,564 | $ 16,866 | $ 324,829 |
| 17 | $ 16,370 | $ 16,060 | $ 308,460 |
| 18 | $ 17,217 | $ 15,212 | $ 291,243 |
| 19 | $ 18,109 | $ 14,321 | $ 273,134 |
| 20 | $ 19,047 | $ 13,383 | $ 254,087 |
| 21 | $ 20,033 | $ 12,396 | $ 234,053 |
| 22 | $ 21,071 | $ 11,359 | $ 212,982 |
| 23 | $ 22,162 | $ 10,268 | $ 190,820 |
| 24 | $ 23,310 | $ 9,120 | $ 167,510 |
| 25 | $ 24,517 | $ 7,913 | $ 142,993 |
| 26 | $ 25,787 | $ 6,643 | $ 117,206 |
| 27 | $ 27,122 | $ 5,307 | $ 90,084 |
| 28 | $ 28,527 | $ 3,903 | $ 61,557 |
| 29 | $ 30,004 | $ 2,425 | $ 31,552 |
| 30 | $ 31,552 | $ 871 | $ 0 |
Ia rua wiki, e rua ngā huarahi
| Ia rua wiki tūturu | Te haurua o te utu ā-marama | |
|---|---|---|
| Ia rua wiki | $ 1,246.70 | $ 1,351.24 |
| Ka ea i roto i | 30 tau | 25 tau 2 marama |
| Te huamoni katoa | $ 472,413 | $ 385,035 |
Ki te kōwhiri koe i te ia rua wiki, ka whakaritea e te pēke he utu whakahoki ia rua wiki tūturu o te $ 1,246.70. Ki te utu kē koe i te haurua o te utu ā-marama ($ 2,702.48 ka wehea ki te 2, ko te $ 1,351.24), ka utu koe i te $ 104.54 anō ia rua wiki. E 26 ngā haurua ka rite ki ngā utu ā-marama 13, nō reira he marama tāpiri kotahi tēnā, $ 2,702, ia tau. Ka ea te taurewa i te 4 tau 10 marama i mua atu, ā, ka penapena i te $ 87,378 huamoni.
He pērā anō te ia wiki: ko te utu whakahoki ia wiki tūturu ko te $ 623.22, engari ko te hauwhā o te utu ā-marama, $ 675.62, ka oti i te 4 tau 10 marama i mua atu, ā, ka penapena i te $ 87,608.
Ka tātaihia te huamoni ki te reiti ka wehea ki te maha o ngā utu whakahoki ia marama i te tau, pērā i ngā tātaitai a ngā pēke. Mēnā ka kohia te huamoni ia rā, ā, ka nama ia marama i runga i ngā rā tūturu, pērā i tā BNZ mai i Haratua 2024, ko te huamoni katoa ko te $ 473,640. Ka whakaawhiwhia whakarunga ngā utu whakahoki ki te hēneti (kāore ngā pēke e whakaputa ana i tā rātou tikanga whakaawhiwhi), nō reira he iti iho te utu whakahoki whakamutunga. E whakapaetia ana ka ōrite tonu te reiti mō te wā katoa.
Te mahi a ngā utu whakahoki
Ko te nuinga o ngā utu whakahoki tōmua he huamoni.
Ko te taurewa tēpu (table loan), te mōkete noa o Aotearoa, he ōrite te utu whakahoki i ia wā. Ka utu tuatahi ia utu whakahoki i te huamoni o tāu e nama ana, ā, ka whakaiti te toenga i te taurewa. I te tīmatanga, ko te nuinga he huamoni; i te mutunga, tata katoa he moni taketake.
Ka tātaihia e mātou te utu whakahoki mā te tātai utu ōrite (annuity formula) paerewa, ki te reiti ka wehea ki te maha o ngā utu whakahoki i te tau, pērā i ngā tātaitai a ngā pēke. Kōwhiria te ia wiki, te ia rua wiki rānei, ā, ka tātaihia e mātou he utu whakahoki ia wiki, ia rua wiki tūturu rānei, ehara i te tatauranga ā-marama kua wāhia.
Ngā reiti i te 10 Noema 2026
Ngā reiti toharite e pānuitia ana
Te toharite o te reiti iti rawa e pānuitia ana e ANZ, ASB, BNZ, Westpac me Kiwibank mō ia wā. Ka tīmata ā mātou tātaitai i ēnei.
| Hua | Tere | 6 marama | 1 tau | 18 marama | 2 tau | 3 tau | 4 tau | 5 tau |
|---|---|---|---|---|---|---|---|---|
| Te toharite o te reiti iti rawa a ia pēke | 6.31% | 4.82% | 5.06% | 5.27% | 5.35% | 5.59% | 5.83% | 5.93% |
Ētahi atu tātaitai
Ētahi atu pātai utu whakahoki
Utu whakahoki tāpiri
Te wā me te huamoni ka penapenatia mā te utu nui ake, mā te moni rahi kotahi rānei.
Huakina →Pūmau, tere rānei
Tō utu whakahoki i ia wā, te whakapūmau anō me ngā taurewa wehewehe.
Huakina →Utu whati
He matapae o te utu mō te wehe wawe i te reiti pūmau.
Huakina →Huamoni anake
Te utu o te huamoni anake, ki te taha o ngā taurewa tēpu me ngā taurewa heke.
Huakina →Ngā reiti mōkete
Ngā reiti e pānuitia ana e ia pēke nui, whai rā, me te OCR.
Huakina →Ngā pātai a te tangata
E hia te utu whakahoki mō tētahi mōkete $ 500,000 i NZ?
I te 5.06%, te reiti pūmau 1 tau toharite e pānuitia ana i te 10 Noema 2026, ko te taurewa $ 500,000 mō ngā tau 30 ka utu i te $ 2,702.48 ia marama, i te $ 1,246.70 ia rua wiki, i te $ 623.22 rānei ia wiki.
He iti iho te utu ia rua wiki i te utu ia marama?
Mēnā anake ka nui ake tāu e utu ana. Ka penapena iti te utu whakahoki ia rua wiki tūturu nā te mea ka whakaitia wawetia te taurewa ia marama. Ka nui ake te penapena mā te utu i te haurua o te utu ā-marama ia rua wiki, nā te mea e 26 ngā haurua ka rite ki ngā utu ā-marama 13 i te tau: he marama tāpiri kotahi ia tau.
He aha i nui ai te huamoni i taku utu whakahoki?
Ka nama te huamoni ki tāu e nama tonu ana, ā, i te tīmatanga ko reira koe e nama nui rawa ana. I te taurewa 30 tau, ko te nuinga o ngā utu whakahoki tuatahi he huamoni; ka tupu te wāhanga moni taketake ia tau.
Ka nama ngā pēke i te huamoni ia rā, ia marama rānei?
Ērā e rua: ka tātai ngā pēke i te huamoni i tō toenga ia rā, ā, ka nama ki te taurewa ia marama. Ka wehe ōrite tonu ngā tātaitai a ngā pēke i te reiti ā-tau, ā, koinā te mahi a tā mātou tatauranga matua.