Ngā meka utu whakahoki mōkete NZ

1. Ko te Reiti Moni Whaimana (Official Cash Rate) ko te 2.75%. I puritia e Te Pūtea Matua i te 28 o Whiringa-ā-nuku 2026, mā te pōti 4 ki te 3.

   Mātāpuna: The Spinoff, 29 o Whiringa-ā-nuku 2026

2. Ko te panonitanga whakamutunga o te OCR he pikinga 0.25 ōrau (percentage point), mai i te 2.50% ki te 2.75%, i pānuitia i te 2 o Mahuru 2026.

   Mātāpuna: interest.co.nz, 2 o Mahuru 2026

3. E ai ki ngā pūrongo, ko te whakatau OCR e whai ake ana hei te 9 Tīhema 2026; kāore i taea e mātou te whakaū i te rā i te pae ake a Te Pūtea Matua.

   Mātāpuna: Whārangi takahanga a Te Pūtea Matua, i kitea i ngā otinga rapu, 10 o Whiringa-ā-rangi 2026

4. I te 10 Noema 2026, ko te reiti taurewa whare pūmau 1 tau toharite e pānuitia ana e ANZ, ASB, BNZ, Westpac me Kiwibank ko te 5.06%, mā te reiti 1 tau iti rawa a ia pēke.

   Mātāpuna: Ngā reiti taurewa whare a interest.co.nz, i pānuitia 10 Noema 2026

5. I te 10 Noema 2026, ko te reiti taurewa whare tere toharite e pānuitia ana e aua pēke e rima ko te 6.31%.

   Mātāpuna: Ngā reiti taurewa whare a interest.co.nz, i pānuitia 10 Noema 2026

6. Ka tātai ngā pēke o Aotearoa i te huamoni taurewa whare i runga i te toenga ia rā, ā, ka nama ki te taurewa ia marama.

   Mātāpuna: ASB, Shaping your loan payments, i tirohia i te 10 o Whiringa-ā-rangi 2026

7. Mai i te 5 o Haratua 2024 kua tātaihia e BNZ te huamoni i runga i te maha tūturu o ngā rā i ia wā utu whakahoki; i ōrite tonu ngā utu whakahoki moni taketake me te huamoni, engari ināianei ka rerekē ngā utu whakahoki huamoni anake i te roa o te marama.

   Mātāpuna: Pānui tūmatanui a BNZ, i tirohia i te 10 o Whiringa-ā-rangi 2026

8. Ka tātai te tātaitai taurewa whare ake a BNZ i te huamoni ā-marama me te mea he ōrite te maha o ngā rā i ia marama.

   Mātāpuna: Tātaitai taurewa whare a BNZ, i tirohia i te 10 o Whiringa-ā-rangi 2026

9. Mā te utu i te haurua o te utu ā-marama ia rua wiki ka rite ki ngā utu ā-marama 13 i te tau; ko te tauira a ANZ ko te $1,200 ia rua wiki hei utu kē i te $2,400 ia marama mō te $400,000 i te 4.00%, ka penapena tata ki te $23,000, ā, ka oti i ngā tau e rua i mua atu.

   Mātāpuna: ANZ, Paying off your home loan faster (2015)

10. I runga i te reiti pūmau, ka whakaae a ANZ kia whakapikia e koe ngā utu whakahoki auau tae atu ki te $250 ia wiki, ā, kia kotahi te moni rahi ia tau tae atu ki te 5% o te rahi o te taurewa o nāianei.

    Mātāpuna: ANZ, Fixed rate home loan, i tirohia i te 10 o Whiringa-ā-rangi 2026

11. I runga i te taurewa whare Standard pūmau, ka whakaae a BNZ ki te 5% tāpiri o te toenga taurewa ia tau, me te kore utu whakahoki wawe (early repayment charge).

    Mātāpuna: BNZ, Explaining early repayment charges, i tirohia i te 10 o Whiringa-ā-rangi 2026

12. I runga i te reiti pūmau, ka whakaae a Kiwibank ki ngā utu whakahoki tāpiri tae atu ki te 5% o te rahi o te taurewa i te tīmatanga o te wā pūmau i ia tau.

    Mātāpuna: Kiwibank, Fixed rate home loans, i tirohia i te 10 o Whiringa-ā-rangi 2026

13. Ka āhei te kaituku taurewa ki te nama i tētahi matapae tika anake o tōna ngaronga ina utu wawetia te taurewa, ā, ko te utu i tātaihia mā te tātai o ngā waeture e whakapaetia ana he tika.

    Mātāpuna: Te Komihana Tauhokohoko (Commerce Commission), 11 o Haratua 2010

14. I te tauira ake a ngā waeture nama, ko te taurewa $5,000 i te 12% mō ngā marama 24 he $235.37 ōna utu whakahoki, ā, mā te utu wawe i muri i ngā marama 6 me ngā rā 5 ka hua mai he utu tauranga haumaru o te $58.57 ina ko te reiti o te kaituku taurewa ināianei ko te 10%.

    Mātāpuna: Credit Contracts and Consumer Finance Regulations 2004, reg 9 (te putanga i te 1 o Hōngongoi 2026)

15. Mai i te 1 o Hōngongoi 2026, ko Te Mana Tātai Hokohoko (Financial Markets Authority), ehara ko Te Komihana Tauhokohoko, te kaiwhakahaere o te Credit Contracts and Consumer Finance Act.

    Mātāpuna: FMA, Changes to credit laws, i whakahoutia i te 1 o Hōngongoi 2026

16. I runga i te mōkete whakaea (offset) a Kiwibank, ka whakaea ia $1 i tētahi pūkete whakaea hono i te $1 o te taurewa ina tātaihia te huamoni.

    Mātāpuna: Ngā reiti me ngā utu a Kiwibank, i tirohia i te 10 o Whiringa-ā-rangi 2026

E wātea ana koe ki te whakahua i ēnei meka me tētahi hononga ki tēnei whārangi.