Pūmau, tere rānei? Whakatauritea ngā wā me te whakapūmau anō
Tō utu whakahoki i ia wā pūmau me te tere, mā te toharite whai rā o ngā reiti e pānuitia ana e ngā pēke nui e rima, me tētahi kaihanga taurewa wehewehe mō ngā taurewa kua wāhia.
Ngā reiti i te 10 Noema 2026
Te whakautu poto
I te 10 Noema 2026, ko te reiti toharite e pānuitia ana ko te 6.31% tere, ko te 5.06% mō te 1 tau, ko te 5.35% mō ngā tau 2, ko te 5.93% mō ngā tau 5. Mō te $ 500,000 mō ngā tau 30, ko te $ 3,098.13 tēnā ia marama mō te tere, ki te $ 2,702.48 ia marama mō te pūmau 1 tau.
| Wā | Reiti toharite | Ia marama | Panoni | Huamoni i te roanga o te wā | E nama ana i te mutunga |
|---|---|---|---|---|---|
| Tere | 6.31%6.25% ki te 6.39% | $ 3,098.13 | Ōrite | $ 31,384 | $ 494,207 |
| 6 marama | 4.82%4.79% ki te 4.89% | $ 2,629.38 | -$ 468.75 | $ 12,012 | $ 496,236 |
| 1 tau | 5.06%4.99% ki te 5.19% | $ 2,702.48 | -$ 395.65 | $ 25,132 | $ 492,703 |
| 18 marama | 5.27%5.19% ki te 5.29% | $ 2,767.22 | -$ 330.91 | $ 39,132 | $ 489,322 |
| 2 tau | 5.35%5.29% ki te 5.39% | $ 2,792.07 | -$ 306.06 | $ 52,784 | $ 485,774 |
| 3 tau | 5.59% | $ 2,867.25 | -$ 230.88 | $ 82,184 | $ 478,963 |
| 4 tau | 5.83%5.65% ki te 6.39% | $ 2,943.33 | -$ 154.80 | $ 113,560 | $ 472,281 |
| 5 tau | 5.93%5.75% ki te 6.49% | $ 2,975.29 | -$ 122.84 | $ 143,385 | $ 464,867 |
Ko ia reiti te toharite o te reiti iti rawa e pānuitia ana e ANZ, ASB, BNZ, Westpac me Kiwibank mō taua wā, i te 10 Noema 2026, me te whānuitanga i waenga i ngā pēke i raro iho. Ka whakaaturia te reiti tere mō ngā marama 12. Ko te huamoni me te moni e nama ana mō te roa o ia wā, me te whakapae ka mau tonu te reiti. Ina whakapūmau anō koe, ka tātaihia te utu whakahoki hou i runga i te toenga, mō ngā tau e toe ana, i te reiti hou.
Kaihanga taurewa wehewehe
He maha ngā taurewa kua wāhia ki ngā wāhanga i ngā wā rerekē, kia kaua te katoa o te taurewa e whakapūmau anō i te wā kotahi. Whakaritea kia toru ngā wāhanga te nui rawa; ka tīmata ia wāhanga ki te reiti toharite mō tōna wā.
| Wāhanga 1: $ 250,000 i te 5.06%, 1 tau | $ 1,351.24 |
| Wāhanga 2: $ 250,000 i te 5.35%, 2 tau | $ 1,396.04 |
| Reiti kōtuitui (blended rate) | 5.21% |
| Te huamoni katoa mēnā kāore ngā reiti i panoni | $ 489,013 |
| Ia marama | $ 2,747.28 |
Ka tātaihia motuhaketia ia wāhanga mō te wā ōrite, pērā i te tohutohu a Sorted. Ka tae ia wāhanga pūmau ki te whakapūmau anō i tōna ake rā, ā, ka tātaihia anō tana utu whakahoki i taua wā.
Te mea ka pā ina whakapūmau anō koe
Ina mutu te wā pūmau, ka tātaihia e te pēke he utu whakahoki hou i runga i te toenga, mō ngā tau e toe ana, i te reiti hou. Mēnā kua piki ngā reiti, ka piki hoki tō utu whakahoki.
Ka whakapae ngā tātaitai, tae atu ki tā mātou, ka ōrite tonu te reiti mō te toenga o te taurewa. Kāore tētahi e mōhio ana ki ngā reiti o āpōpō: ka whakapūmau anō wawe te wā poto ki ngā reiti o taua wā, ā, ka mau roa ake te wā roa i te reiti o tēnei rā.
Te Reiti Moni Whaimana (Official Cash Rate)
Ko te OCR ko te 2.75%. I puritia e Te Pūtea Matua (Reserve Bank) i te 28 o Whiringa-ā-nuku 2026, mā te pōti 4 ki te 3, i muri i tana whakapiki mai i te 2.50% i te 2 o Mahuru 2026. E ai ki ngā pūrongo, ko te whakatau e whai ake ana hei te 9 Tīhema 2026 (nō ngā pūrongo rapu o te whārangi takahanga a Te Pūtea Matua; kāore i taea e mātou te pānui i a rbnz.govt.nz hei whakaū).
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 →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 →Tātaitai utu whakahoki
E hia ō utu whakahoki?
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