Te āhua o tā mātou tātai
Ngā tātai, ngā kōwhiringa i whakatauria e mātou i ngā wāhi e rerekē ana ngā pēke, tā mātou whakaawhiwhi, te pūtake o ngā reiti, me ia whakamātautau pūkaha me tōna otinga.
Ngā reiti i te 10 Noema 2026. I tirohia ngā ture i te 10 Noema 2026.
Ngā tikanga, me te take i kōwhiria ai e mātou
Utu whakahoki matua
Te tātai utu ōrite (annuity formula) paerewa, repayment = P × r / (1 − (1 + r)^−n), ko r te reiti ā-tau ka wehea ki te maha o ngā utu whakahoki i te tau (12, 26, 52 rānei). He pērā anō te mahi a te tātaitai a BNZ mō ngā taurewa ā-marama, ā, ka whakaputa anō i te tauira $235.37 a ngā waeture.
Ia wiki, ia rua wiki
Ko te utu whakahoki ia wiki, ia rua wiki tūturu rānei ko te utu ōrite ka tātaihia anō me ngā utu whakahoki 52, 26 rānei i te tau, ā, koinā tā te pēke e whakarite ai. Ka whakaatu motuhake mātou i te haurua (te hauwhā rānei) o te utu ā-marama, nā te mea he mea rerekē: ka utu i ngā utu ā-marama 13 i te tau.
Huamoni ia rā
Ka kohi ngā pēke i te huamoni ia rā, ā, ka nama ia marama. Ka hīkoi tā mātou kōwhiringa ia rā i te taurewa i ia rā, ki te reiti ā-tau ka wehea ki te 365, ka tāpiri i te huamoni ki te taurewa i te rā ōrite ia marama, ā, ka tango i ia utu whakahoki i tōna ake rā. Kāore he whārangi pēke e kī ana mēnā ka whakamahia ngā rā 366 i ngā tau lipa, nō reira ka whakamahia e mātou te 365 i ia tau.
Ngā wāhi e rerekē ana ngā pēke
Mai i te 5 o Haratua 2024 kua tātaihia e BNZ te huamoni i runga i ngā rā tūturu i ia wā utu whakahoki (28 ki te 31 rā i te marama); ka ōrite tonu tana utu whakahoki moni taketake me te huamoni, engari ka rerekē ngā utu whakahoki huamoni anake i ia marama. Kāore ētahi atu pēke e whakaputa ana i tā rātou tikanga tika, ā, kāore ngā tatauranga i te pukapuka a ANZ ($877.67 ia rua wiki) e whakaputaina anō e tētahi tikanga paerewa i whakamātauria e mātou.
Whakaawhiwhi
Kāore he pēke e whakaputa ana i tana ture whakaawhiwhi. Ka mau mātou i te tika katoa, ka whakaatu i ngā utu whakahoki kua whakaawhiwhia whakarunga ki te hēneti kia ea tonu ai te taurewa i roto i tōna wā, ā, ka tuku kia iti iho te utu whakahoki whakamutunga. Ko ngā tatauranga rangahau e whakamātauria ana e mātou ka whakaawhiwhi i te haurua whakarunga, nō reira tērā pea kotahi hēneti te nui ake o te utu whakahoki e whakaaturia ana.
Ngā utu whakahoki tāpiri me ngā moni rahi
He ōrite te utu whakahoki auau i ngā tātai e rua. Mā te taunoa, ka waiho ōrite e te moni rahi tō utu whakahoki, ā, ka whakapoto i te taurewa; ka taea kē e koe te kōwhiri i te utu whakahoki iti iho mō te wā ōrite.
Te whakapūmau anō me ngā taurewa wehewehe
I te whakapūmau anō, ko te utu whakahoki hou ko te utu ōrite i runga i te toenga, mō ngā tau e toe ana, i te reiti hou. Ka tātaihia te taurewa wehewehe ia wāhanga, ia wāhanga.
Ngā utu whati
Te tātai tauranga haumaru (safe harbour) i ngā waeture 9 me te 11 o ngā Credit Contracts and Consumer Finance Regulations 2004, me te reiti o te pēke ināianei mō te wā e tata rawa ana ki tō wā e toe ana (te reiti teitei ake mēnā e rua e ōrite ana te tata). Ka whakamahi ngā pēke i ngā reiti whakawhiti rarawe, nō reira he matapae tā mātou tatauranga.
Reiti taunoa
Mō ia wā ka tango mātou i te reiti iti rawa e pānuitia ana e ia pēke puta noa i ōna hua, ā, ka toharite i ngā pēke e rima, ki ngā ira ā-ira e rua. Ko ngā pēke kāore he wā (kāore he reiti 18 marama a Kiwibank) ka waiho ki waho i te toharite o taua wā.
Te tātai utu whati
Te wāriu o ngā utu whakahoki e toe ana (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
Te matapae o te ngaronga o te kaituku taurewa
LRE = VFP − u, and zero if that is negative
Nō hea ngā reiti
Ka pānuitia te tēpu reiti i interest.co.nz, ā, ko tōna rā ko te 10 Noema 2026. Ka whakatika mātou i tētahi kōnae kotahi ia wiki, ka hanga anō, ka tuku anō. Kāore rawa he reiti e puta i tēnei pae me te kore rā.
Ngā whakamātautau pūkaha
Ka rere ia take i tā mātou kōnae rangahau i mua i ia hanganga, ki tōna taumata ārai kua kīia, ā, ka mutu te hanganga mēnā ka hapa tētahi. I te 10 Noema 2026: 68 i angitu, 0 i hapa, 1 hei tohutoro anake (kua pūrongotia, kāore i tatauria), 12 ngā take tono taurewa i whakamātauria i tā mātou pae taurewa whare.
| Arowhai | Pūtake | Otinga | Taipitopito | Mātāpuna |
|---|---|---|---|---|
| MR-01 repayment | sourced | Angitu | expected 235.37, got 235.3674 | Mātāpuna |
| MR-02 VFP | sourced | Angitu | expected 3924.23, got 3924.2252 | Mātāpuna |
| MR-02 break fee (LRE) | sourced | Angitu | expected 58.57, got 58.5652 | Mātāpuna |
| MR-03 VFP | sourced | Angitu | expected 3780.11, got 3780.1052 | Mātāpuna |
| MR-03 loss before the floor | sourced | Angitu | expected -85.55, got -85.5548 | Mātāpuna |
| MR-03 break fee (LRE) | sourced | Angitu | expected 0, got 0.0000 | Mātāpuna |
| MR-04 EB | sourced | Angitu | expected 2649.11, got 2649.1100 | Mātāpuna |
| MR-04 break fee (LRE) | sourced | Angitu | expected 31.79, got 31.7875 | Mātāpuna |
| MR-05 repayment | computed | Angitu | expected 2681.05, got 2681.0532 (displayed rounded up: 2681.06) | Mātāpuna |
| MR-05 total interest (repayment x n less loan) | computed | Angitu | expected 465178, got 465178.00 | Mātāpuna |
| MR-06 true fortnightly | computed | Angitu | expected 1236.81, got 1236.8120 | Mātāpuna |
| MR-06 true weekly | computed | Angitu | expected 618.28, got 618.2780 | Mātāpuna |
| MR-06 half the monthly, fortnightly | computed | Angitu | expected 1340.53, got 1340.5250 | Mātāpuna |
| MR-06 quarter of the monthly, weekly | computed | Angitu | expected 670.26, got 670.2625 | Mātāpuna |
| MR-06 monthly x 12 / 26 (no saving) | computed | Angitu | expected 1237.41, got 1237.4077 | Mātāpuna |
| MR-06b fortnights to repay | computed | Angitu | expected 657, got 657 | Mātāpuna |
| MR-06b total interest (within $1) | computed | Angitu | expected 379692.97, got 379692.97 | Mātāpuna |
| MR-06b interest saved against monthly (within $1) | computed | Angitu | expected 85485.03, got 85485.03 | Mātāpuna |
| MR-07 interest only, rate / 12 | computed | Angitu | expected 2495, got 2495 | Mātāpuna |
| MR-07 interest only, 31-day month (BNZ actual days) | computed | Angitu | expected 2542.85, got 2542.8493 | Mātāpuna |
| MR-07 interest only, 30-day month (BNZ actual days) | computed | Angitu | expected 2460.82, got 2460.8219 | Mātāpuna |
| MR-07 interest only, 28-day month (BNZ actual days) | computed | Angitu | expected 2296.77, got 2296.7671 | Mātāpuna |
| MR-08 reducing loan principalPerPayment | computed | Angitu | expected 1000, got 1000 | Mātāpuna |
| MR-08 reducing loan firstPayment | computed | Angitu | expected 2500, got 2500 | Mātāpuna |
| MR-08 reducing loan secondPayment | computed | Angitu | expected 2495, got 2495 | Mātāpuna |
| MR-08 reducing loan lastPayment | computed | Angitu | expected 1005, got 1005 | Mātāpuna |
| MR-08 reducing loan totalInterest | computed | Angitu | expected 225750, got 225750 | Mātāpuna |
| MR-09 balance after 12 repayments | computed | Angitu | expected 492609.9, got 492609.9019 | Mātāpuna |
| MR-09 repayments with the lump sum | computed | Angitu | expected 331, got 331 | Mātāpuna |
| MR-09 interest saved (within $1) | computed | Angitu | expected 59798.66, got 59798.66 | Mātāpuna |
| MR-09 or a lower repayment, same term | computed | Angitu | expected 2572.2, got 2572.2024 | Mātāpuna |
| MR-10 repayments with $100 extra | computed | Angitu | expected 332, got 332 | |
| MR-10 interest saved (within $1) | computed | Angitu | expected 42465.87, got 42465.87 | |
| MR-11 months at $2,400 | sourced (approximate) | Angitu | expected 244, got 244 | Mātāpuna |
| MR-11 fortnights at $1,200 | sourced (approximate) | Angitu | expected 468, got 468 | Mātāpuna |
| MR-11 ANZ: interest saved within 5% of about $23,000 | sourced (approximate) | Angitu | ANZ about 23000, ours 23496.00 | Mātāpuna |
| MR-11 ANZ: about 2 years sooner (within half a year) | sourced (approximate) | Angitu | ANZ about 2 years, ours 2.33 | Mātāpuna |
| MR-12 ANZ: total interest within 0.5% (monthly) | sourced (approximate) | Angitu | ANZ 286627, ours 287475.08 | Mātāpuna |
| MR-12 ANZ: total interest within 0.5% (fortnightly) | sourced (approximate) | Angitu | ANZ 286627, ours 287154.67 | Mātāpuna |
| MR-12 ANZ: total interest within 0.5% (weekly) | sourced (approximate) | Angitu | ANZ 286627, ours 287021.60 | Mātāpuna |
| MR-13 weeks to repay | sourced (approximate) | Angitu | expected 1381, got 1381 | Mātāpuna |
| MR-13 ANZ: same years and months | sourced (approximate) | Angitu | ANZ 26 years 7 months, ours 26 years 7 months | Mātāpuna |
| MR-13 ANZ: interest within 0.5% | sourced (approximate) | Angitu | ANZ 248900, ours 249456.52 | Mātāpuna |
| MR-14 weeks to repay | sourced (approximate) | Angitu | expected 1438, got 1438 | Mātāpuna |
| MR-14 ANZ: same years and months | sourced (approximate) | Angitu | ANZ 27 years 8 months, ours 27 years 8 months | Mātāpuna |
| MR-14 ANZ: interest within 0.5% | sourced (approximate) | Angitu | ANZ 272199, ours 272670.02 | Mātāpuna |
| MR-15 rounding $877.67 up to $900 (reference only) | sourced (approximate) | Tohutoro | ANZ: about 15000 saved and 1 year 4 months sooner from $877.67. Our true fortnightly is 880.97; at $900: 749 fortnights, 13159.17 saved. ANZ's method is not stated, so this is not counted. | Mātāpuna |
| MR-16 fortnightly at rate / 26 | computed | Angitu | expected 880.97, got 880.9735 | Mātāpuna |
| MR-16 fortnightly at 14 days / 365 | computed | Angitu | expected 879.81, got 879.8084 | Mātāpuna |
| MR-17 monthly repayment | computed | Angitu | expected 2838.95, got 2838.9450 | |
| MR-17 fortnightly repayment | computed | Angitu | expected 1309.65, got 1309.6490 | |
| MR-17 weekly repayment | computed | Angitu | expected 654.69, got 654.6888 | |
| MR-17 total interest, monthly | computed | Angitu | expected 522022, got 522022.00 | |
| MR-18 repayment | computed | Angitu | expected 2997.75, got 2997.75 | Mātāpuna |
| MR-18 balance after 12 repayments (u) | computed | Angitu | expected 493859.97, got 493859.9738 | Mātāpuna |
| MR-18 interest in the rest of the fixed period (IC) | computed | Angitu | expected 29454.27, got 29454.2704 | Mātāpuna |
| MR-18 repayments in the rest of the fixed period (TP) | computed | Angitu | expected 35973, got 35973 | Mātāpuna |
| MR-18 EB | computed | Angitu | expected 487341.24, got 487341.2443 | Mātāpuna |
| MR-18 break fee estimate (within $0.05) | computed | Angitu | expected 4826.95, got 4826.9453 | Mātāpuna |
| MR-19 balance charged interest | sourced (balance) and computed (interest) | Angitu | expected 60000, got 60000 | Mātāpuna |
| MR-19 monthly interest | sourced (balance) and computed (interest) | Angitu | expected 322, got 322 | Mātāpuna |
| HL-01 DTI ratio | sourced | Pae taurewa whare | Borrowing rule for homeloancalculator.co.nz; tested there. | Mātāpuna |
| HL-02 DTI boundary for owner-occupier (high if above 6) | computed from sourced rule | Pae taurewa whare | Borrowing rule for homeloancalculator.co.nz; tested there. | Mātāpuna |
| HL-03 Investor DTI threshold 7 | computed from sourced rule | Pae taurewa whare | Borrowing rule for homeloancalculator.co.nz; tested there. | Mātāpuna |
| HL-04 Max total debt under DTI 6 including credit card limit | computed from sourced rule | Pae taurewa whare | Borrowing rule for homeloancalculator.co.nz; tested there. | Mātāpuna |
| HL-05 LVR and high-LVR flag, owner-occupier (high if above 80%) | computed from sourced rule | Pae taurewa whare | Borrowing rule for homeloancalculator.co.nz; tested there. | Mātāpuna |
| HL-06 LVR and high-LVR flag, investor (high if above 70%) | computed from sourced rule | Pae taurewa whare | Borrowing rule for homeloancalculator.co.nz; tested there. | Mātāpuna |
| HL-07 Deposit needed | computed from sourced rules | Pae taurewa whare | Borrowing rule for homeloancalculator.co.nz; tested there. | Mātāpuna |
| HL-08 First Home Loan insurance premium | computed from sourced rule | Pae taurewa whare | Borrowing rule for homeloancalculator.co.nz; tested there. | Mātāpuna |
| HL-09 First Home Loan income eligibility | computed from sourced rule | Pae taurewa whare | Borrowing rule for homeloancalculator.co.nz; tested there. | Mātāpuna |
| HL-10 KiwiSaver first-home maximum withdrawal (leave $1,000) | computed from sourced rule | Pae taurewa whare | Borrowing rule for homeloancalculator.co.nz; tested there. | Mātāpuna |
| HL-11 loan a repayment supports (engine, for homeloancalculator) | computed | Angitu | expected 457834.08, got 457834.0814 | Mātāpuna |
| HL-12 loan a repayment supports (engine, for homeloancalculator) | computed | Angitu | expected 446407.34, got 446407.3408 | Mātāpuna |
| HL-13 Low equity premium cost, Westpac 85.01 to 90% band (UNVERIFIED rates) | computed from single-source rates | Pae taurewa whare | Borrowing rule for homeloancalculator.co.nz; tested there. | Mātāpuna |
| HL-14 Rental income shaded at 75% for servicing (default, adjustable) | computed (default is a choice, see research s 3.4) | Pae taurewa whare | Borrowing rule for homeloancalculator.co.nz; tested there. | Mātāpuna |
| consistency: the rounded-up repayment clears the loan within the term | consistency | Angitu | 360 repayments, last 2675.38 | Mātāpuna |
| consistency: displayed repayment is never below the exact figure and at most a cent above | consistency | Angitu | exact 2681.0532, shown 2681.06 | Mātāpuna |
| consistency: half the monthly each fortnight pays one extra monthly repayment a year | consistency | Angitu | extra a year 2681.06, monthly 2681.06 | Mātāpuna |
| consistency: break fee rate uses the nearest term, the higher rate on a tie (9 months: 1 year) | consistency | Angitu | chose 1y | Mātāpuna |
| consistency: no interest-only period gives the same interest as a table loan | consistency | Angitu | difference 0.0000 | Mātāpuna |
| consistency: daily method keeps the same monthly repayment (BNZ since May 2024) | consistency | Angitu | daily 2681.06, simple 2681.06 | Mātāpuna |