Tātaitai utu whati mōkete
He matapae o te utu mō te utu wawe i te reiti pūmau, mā te tātai tauranga haumaru (safe harbour) i ngā waeture nama. Ka whakamahi ngā pēke i ngā reiti rarawe, nō reira kia waiho hei aratohu noa.
Te whakautu poto
Mā te whati i tētahi taurewa $ 490,000 kua pūmautia ki te 6% me ngā marama 12 e toe ana, ina ko te reiti 1 tau o te pēke ko te 5.06%, ko te matapae tauranga haumaru ko te $ 4,455.63. Mēnā kua piki ngā reiti mai i tō whakapūmautanga, ko te tikanga ko te kore te matapae.
| Te reiti o te pēke ināianei mō te wā tata rawa (i) (te reiti 1 tau toharite e pānuitia ana, 10 Noema 2026) | 5.06% |
| Tō utu whakahoki (p) | $ 2,974.33 |
| Ngā utu whakahoki ia marama e toe ana i te wā pūmau (n) | 12 |
| Te huamoni hei utu i te toenga o te wā pūmau (IC) | $ 29,224.05 |
| Ngā utu whakahoki hei utu i te toenga o te wā pūmau (TP) | $ 35,691.96 |
| Te toenga i te mutunga o te wā pūmau (EB) | $ 483,532.09 |
| Te wāriu i tēnei rā o tāu ka utu (VFP) | $ 494,455.63 |
| Te toenga ināianei (u) | $ 490,000.00 |
| Matapae | $ 4,455.63 |
He matapae noa. Ka tātaihia e ngā pēke tā rātou utu tūturu i ngā reiti whakawhiti rarawe (wholesale swap rates) me ā rātou ake tikanga taurewa, kāore e kitea e mātou. Tonoa he tatau utu i tō pēke i mua i tō whati i te reiti pūmau.
Te mahi a te matapae
Ka whakarite ngā waeture nama i tētahi tātai e whakapaetia ana ka hua mai he matapae tika o te ngaronga o te kaituku taurewa ina utu wawe koe. Ka wāriuhia ngā utu whakahoki ka utua e koe mō te toenga o te wā pūmau, me te toenga ka nama koe i tōna mutunga, ki te reiti o te pēke ināianei mō te wā tata rawa, ā, ka whakatauritea ki tāu e nama ana ināianei.
Te tātai (CCCFR reg 11)
VFP = p × ((1 − v^n) / (i / f)) × (1 + i)^(d / 365) + v^n × (1 + i)^(d / 365) × EB, where v = 1 / (1 + i / f) and EB = u + IC − TP
LRE = VFP − u, and zero if that is negative
Ngā tauira ake a ngā waeture, kua whakaputaina anō
Ka whakaputa anō tā mātou pūkaha i ngā tauira kua mahia i ngā Credit Contracts and Consumer Finance Regulations 2004 kia tika ki te hēneti: he taurewa $5,000 i te 12% mō ngā marama 24, i utua wawetia i muri i ngā marama 6 me ngā rā 5.
| Tauira | Te reiti o te kaituku taurewa ināianei | Otinga |
|---|---|---|
| Pūmau mō te wā katoa (reg 9) | 10% | $ 58.57 |
| Pūmau mō te wā katoa (reg 9), he teitei ake ngā reiti | 15% | $ 0.00 |
| Pūmau mō te tau tuatahi anake (reg 11) | 10% | $ 31.79 |
Credit Contracts and Consumer Finance Regulations 2004, regs 9 and 11 (1 July 2026)
Te utu tūturu a ngā pēke
Ka āhei ngā pēke ki te nama i tētahi matapae tika anake o tō rātou ngaronga. E ai ki a BNZ, ka whakawhirinaki tana utu ki te nui o te hekenga o ngā reiti rarawe mai i te tīmatanga o tō wā pūmau, te rahi i utua me te wā e toe ana. E ai ki a Kiwibank, he rerekē te utu mō ia tangata, ā, ka panoni ia rā. E kīia ana e ANZ he early repayment recovery.
Nā te mea ka whakamahi ngā pēke i ngā reiti whakawhiti rarawe me ā rātou ake tikanga, tērā pea he rerekē te utu tūturu i tā mātou matapae. Mēnā kua piki ngā reiti rarawe mai i tō whakapūmautanga, ko te tikanga kāore he utu.
Ko wai e whakahaere ana i ngā utu whati
Mai i te 1 o Hōngongoi 2026, kua riro mā Te Mana Tātai Hokohoko (Financial Markets Authority, FMA) e whakahaere te Credit Contracts and Consumer Finance Act, hei whakakapi i Te Komihana Tauhokohoko (Commerce Commission). Me whakaatu tō kirimana taurewa i te āhua o te matapae a te pēke i tōna ngaronga, mēnā rānei ka whakamahia e ia te tātai o ngā waeture.
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 →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 →Tātaitai utu whakahoki
E hia ō utu whakahoki?
Huakina →