I tētahi tau ko taku moni-whiwhi reti he $4,300, ko ngā utu he $18,000. Ehara i te hapa tāngia. He $14,430 ōku utu rōia mai i tētahi take whakapae hē hangahanga, i runga i ngā utu body corporate, ngā take kaunihera, me te inihua. I tirohia e au taku IR3R me te whakaaro he hē tāku. Kāore i te hē. Ka taea e te whare reti i Aotearoa te utu tino nui, ā, ko te whakamārietanga anake ko te nuinga o aua utu ka taea te tango ki te taake.

Kua roa au e tuku ana i ngā tukunga IR3R mō ōku whare e whā i Imperial Gardens ki te puku o Tāmaki Makaurau - he whare toru-rūma, e rua ngā whare kotahi-rūma me ngā tūnga waka, kotahi anō te whare kotahi-rūma. He nui ngā mea i ākona e au mā te ara uaua. Anei ngā mea i hiahia au kia kōrerotia mai ki a au i te tīmatanga.

Te IR3R: he aha tēnei, ā, āhea te rā tika

Mēna ka whiwhi moni reti koe i Aotearoa, ka whakapuakihia tēnei i tō tukunga taake takitahi (IR3) me te whakapiri i te puka āpiti IR3R. He mea motuhake te IR3R mō ngā moni-whiwhi reti me ngā utu.

Ngā rā tika: 7 o Hūrae mēna ka tuku ake koe, 31 o Maehe o te tau e whai mai ana rānei mēna ka whakamahi koe i tētahi māngai taake (ā, ko te nuinga o ngā kaikaute ka tuku atu i tērā mā te whakaroatanga).

Ka tuhia e koe te tapeke moni-whiwhi reti, ka tangohia ō tangohanga whakaaetia, ā, ka tāpiritia te nama o muri ki ō moni-whiwhi atu, ka taake i tō reti taake whakamua.

Kotahi te panonitanga hira hei mōhio: mai i te tau 2019, ka mōwhitihia ngā ngaronga reti whare nohonga. Ko te tikanga, mēna ka neke ngā utu reti i te moni-whiwhi reti (pēnei i taku tau o te moni-whiwhi $4,300 me te $18,000 ngā utu), kāore e taea e koe te whakamahi i tērā ngaronga hei whakaheke i tō utu mahi, ētahi atu moni-whiwhi rānei. Ka mauhia kē e koe te ngaronga ki mua, ka tangohia mai i ngā moni-whiwhi reti i te wā e tae mai ana. I tukuna e au tētahi tono kia mauhia te ngaronga ki mua, ka iti ake te taake mō te wā poto i te wā ka whiwhi tika ōku whare. He whakamārie pai mēna kua pā mai he tau kino ki a koe.

Ko ngā mea ka taea te tango

He māmā te ture nui: mēna i utua e koe he moni hei whiwhi i tō moni-whiwhi reti, ka taea pea te tango. Anei ngā mea i kerēmehia e au i ngā tau, he tika ngā mea katoa.

Ngā whakatikatika me te tiaki. Te whakatika i tētahi waahanga pakaru, te peita anō i muri o te wehe atu o tētahi kainoho, te whakakapi i te whāriki kua wero. Ko te whakamātautau matua mēna ka whakahoki mai te mahi i te whare ki tōna āhua o mua. Te peita i te paatu kua pakarutia e te kainoho? Ka taea te tango. Te whakahōu i te kīhini katoa ki tētahi tāhuhu nui ake? Ehara tērā, he utu whai rawa - he ture rerekē. He āhua wehe te raina i waenganui i te whakatikatika me te whakapai - ka kōrerotia atu i Te Ngaronga Heke o ngā Whare Reti i Aotearoa.

Inihua. Ka taea te tango katoa i ngā utu inihua rangatira whare. Ko te hipoki hangahanga, te hipoki uara, te hipoki ngaronga reti - katoa. Mēna ka hipokia e tētahi kaupapa here ai tō whare ake me tō whare reti, ko te wāhanga o te whare reti anake e tatau. Ko ngā momo hipoki e tika ana ki te hoko, ka kōrerotia i Inihua Rangatira Whare i Aotearoa.

Take kaunihera. Ka taea te tango katoa. He māmā.

Utu body corporate. Ka taea te tango i ngā utu auau. He nui taku utu body corp i ia tau, ā, ka uru katoa ki te tukunga. Ko ngā utu motuhake mō ngā whakapai whai rawa, kāore pea e taea te tango - kōrero ki tō kaikaute mō ēnei.

Utu rōia. He āhua wehe tēnei i te kōrero o te nuinga o ngā arataki. Ko ngā utu whakapae Tenancy Tribunal, ngā tohutohu ā-ture mō ngā take rīhi, te whakarite rīhi - ka taea te tango ki ngā moni-whiwhi reti. Engari he rerekē te whakawā. I uru taku whare ki tētahi take Kōti Teitei 11 tau te roa mō ngā wero-wai. He nui ngā utu rōia - i tētahi tau, ko tērā wāhanga anake he $14,430. Engari ko te mea: mēna ka tangohia e koe ngā utu rōia whakawā, kāhoki ngā moni i whiwhi (mai i te Kaunihera, te kamupene hangahanga, ahatia rā) me tuku hei moni-whiwhi. I whakatauhia e mātou kia kaua e tangohia ngā utu rōia, nō reira kāore ngā moni whakatau i te taake. Kōrero ki tō kaikaute mō te tikanga pai mō tō āhuatanga - kei ngā nama te tikanga. Hei mōhio: ko ngā utu ā-ture mō te hoko whare he wāhanga o tō papa utu, kaua he tangohanga tonu.

Utu kaikaute. Ka taea te tango i te aha tāu e utu ana ki tō kaikaute hei whakarite i tō tukunga taake. He tangohanga huri pai. Mēna kei te āta whiriwhiri koe i te kaikaute-anake me te kaikaute-me-te-rorohiko, ka takahia te whakawhitiwhiti i Rorohiko Kaute Rangatira Whare i Aotearoa.

Pānui. Ngā rārangi TradeMe, ngā pānui Facebook, ahatia tāu e utu ana hei kimi kainoho.

Haerenga. Te taraiwa ki te whare mō te tirohanga, te whakatikatika, te whakaaturanga rānei. E toru ngā tikanga IRD mō tēnei: he raarangi haerenga reti-kiromita, te kerēme 25% o ngā utu whakahaere kāore he raarangi, ko ngā utu tūturu me ngā rihiti katoa. Te tika, ka kerēme noa au i te 20% o ngā utu waka katoa, kaore i te whakarōpū i ia haerenga. Tae noa ki te 25%, kāore koe e pātaitia e te IRD. I runga ake i tērā, me pupuri koe i tētahi raarangi taipitopito me ngā rā, ngā mamao, ngā take. Kāore au e pīrangi ki tērā taumata taipitopito - kei wāhi kē pai ake taku wā. Kowhiria te ara e pai ana ki a koe - ko te whakatauritetanga tikanga me te whiriwhiri raru-tirotiro kei roto i Te Kerēme Utu Waka mō tō Whare Reti.

Utu whakahaere whare. Mēna ka whakamahia e koe tētahi kaiwhakahaere, ka taea te tango katoa i ana utu. Utu rīhi, utu tirotiro, te katoa. Ka nui ake te tapeke ā-tau i te ōrau ingoa - ko te tūhonohono i Te Utu Tūturu ā-Tau o tētahi Kaiwhakahaere Whare i Aotearoa.

Whakahaere ngārara, tiaki, me te whakawātea. Te tiaki mātanga i waenganui i ngā rīhi, te whakahaere ngārara - katoa ka taea te tango. He kainoho tāku, i pakaru tana ngeru kāore i whakaaetia te whāriki me tētahi tūru, ā, motuhake ki tērā i hiahia te wāhi ki te whakahaere ngārara. Ko taua kainoho anō nei i kai paipa, i tunu pātaka tinihanga rānei i te whare, ā, i kitea e mātou ka mutu i a rātou. I utua e te body corporate tata ki te $2,400 me te GST mō te whakawātea mātanga. Ka taea te tango katoa, engari kāore au e pīrangi ki te wheako anō.

Ko ngā mea kāore e taea te tango

Ngā whakapai whai rawa. He raina mārama i waenganui i ngā whakatikatika (taea te tango) me ngā whakapai (kāore e taea). Te ture kōaro: ko ngā mea i raro o te $1,000 ka kīia he utu ka taea te tango i te wā tonu. Ko ngā mea i runga o te $1,000 he utu whai rawa pea, me whakaheke i te wā. Te whakakapi i tētahi matapihi pakaru? Whakatikatika. Te whakakapi i ngā matapihi katoa kotahi-karaihe ki ngā mea karaihe-rua? Whakapai whai rawa - whakahekehia. He māmā tonu i te wā ka mōhio koe ki te tāpapa, engari uiuihia tō kaikaute mēna kāore koe e tino mōhio.

Whakaheke whare. Mai i te 2011-2012, kāore e taea te kerēme whakaheke mō ngā whare nohonga ake. Ka taea tonu te whakaheke i ngā taonga pēnei i ngā taputapu, ngā whāriki, me ngā ārai matapihi, engari kaore i ngā hanganga whare. Ko te āhuatanga katoa - ko ngā mea ka taea te kerēme, ko ngā mea kua tangohia, me te āhua o te whakakapi raina-māmā - kei roto i Te Ngaronga Heke o ngā Whare Reti i Aotearoa.

Tō mahi ake. Ka taea te tango i te utu o te peita me ngā taputapu, engari kāore i te uara o tō Rāhoroi i peitatia ai e koe. He maha ngā wikinēhi i taku whakapau ki ōku whare, ā, kāore tētahi o aua wā e taea te kerēme.

Ngā utu hoko. Ngā utu rōia, ngā uara, me ētahi atu utu o te hoko whare he wāhanga o tō papa utu, kaua he tangohanga tonu.

Te whakaheke moni-pānga: kei hea i te tau 2026

Koinei te mea kua ekeeke noa mō ngā tau, ā, kua raruraru te katoa. Anei te āhuatanga o nāianei.

I tīmata ngā ture here moni-pānga i te Oketopa 2021, ā, kua whakatikahia he maha ngā wā. I whakatere te kāwanatanga whakakotahi i te whakahokinga o te tango katoa. Ko te rārangi e tika ana:

• Tau take 2023-24: 50% o te moni-pānga nama whare ka taea te tango
• Tau take 2024-25: 80% ka taea
• Tau take 2025-26 me ngā tau e whai ake: 100% ka taea

Nō reira mō te tau i mutu i te 31 o Maehe 2026 (te tau 2025-26 e tata ana ki te tukuna), ka taea anō te tango i te 100% o ō moni-pānga nama whare reti. He whakapiki tēnei i te 80% o te tau o mua. Kua tutuki te whakahoki ki te tango katoa.

Ko ēnei ture e pā ana ki ngā whare nohonga i hokona i te 27 o Maehe 2021, i muri rānei. Mēna i hokona e koe i mua i tērā rā, kei a koe pea te tango katoa mai i te tīmatanga. Tikina he tohutohu mātanga mēna kāore koe e mōhio ki tō wāhi.

Mō ngā hanganga hou, kua taea tonu te tango katoa i te moni-pānga, ahakoa te rā hoko. Ko te "hanganga hou" te tikanga ko tētahi whare i tukuna tētahi tiwhikete tika hangahanga i ngā tau 20 kua hipa.

Hei tauira tau: mēna he nama whare $600,000 tāu i te ōrau 6%, he $36,000 te moni-pānga ā-tau. I te 100% taea, ka tangohia te $36,000 katoa i tō moni-whiwhi reti taake. Ko te rerekētanga i waenganui i te ture 50% i mutu i te 2024 me te ture 100% e tika ana ināianei, i te 33% reti āpiti, tata ki te $5,940 ki tō pūkete ia tau i tērā tauira. He moni tūturu.

Te pupuri rekoata (te wāhanga hōhā engari tino hira)

Ka hiahia te IRD kia pupurihia e koe ngā rekoata mō te whitu tau, neke atu. Ko te tikanga:

• Ngā kōrero pēke e whakaatu ana i ngā reti i whiwhi me ngā utu i utua
• Ngā nama me ngā rihiti mō ngā mea katoa e tangohia ana e koe
• He rekoata o te utu hoko me ngā whakapai whai rawa
• Ngā whakaaetanga rīhi
• Ngā kōrero nama e whakaatu ana i te moni-pānga kua utua
• Ngā raarangi haerenga mō ngā utu waka

He pai ngā rekoata ā-mati. Ngā rihiti kua tāia, ngā kōrero pēke ā-hiko, ngā PDF. Kāore koe e tika ana ki te tuku i ēnei i te taha o tō tukunga, engari me whakaputa mēna ka tae mai te IRD ki te pātai. Ko te tāhua pupuri rekoata e whakatutuki ana i te IRD me te kore te tango i tō oranga, kei Te Pupuri Rekoata o ngā Rangatira Whare i Aotearoa.

Ngā hapa kua mahia e au (kua kitea hoki i ētahi atu)

Wareware ki te tāpapa $1,000. Ka mau te tangata i konei ia tau. Ahakoa he mea mārama ko te whakatikatika - te whakahoki i tērā i mua - mēna ka utu i runga i te $1,000, me whakawhairawa, ā, me whakaheke i tōna oranga whaihua. I raro i te $1,000, ka taea e koe te utu i te wā tonu. He $500 te tiaki whāriki? Tangohia ināianei. He $1,200 te whakakapi whāriki, ahakoa he whāriki ōrite? Whakahekehia.

Kaore i te aroturuki i ngā utu i te wā ka puta mai. Koinei taku raruraru nui mō ngā tau. Ka tae au ki Hune ka ngana ki te whakaara anō i ngā utu o te tau katoa mai i ngā kōrero pēke me te mahara. Ka warewaretia tonutia e au ētahi mea. He moni iti - he raka, he taputapu tiaki, he utu whakapae Tribunal, he utu meera - engari ka tāpiri tonu.

Ka hē te whakaheke moni-pānga. Nā te panonitanga o te ōrau ia tau i te wā o te whakahokinga, he māmā te kerēme i te nama hē. Mai i te tau 2025-26, kua māmā ake te ture (100%), engari ka mau tonu ngā tāngata kei te tuku rōroa.

Kāore i te whakamahi i tētahi pūkete pēke motuhake. I roa rawa ahau e tuku ana i ngā moni-whiwhi reti ma roto i taku pūkete whaiaro. I te wā i whakaritea e au tētahi pūkete motuhake, ka māmā rawa atu te wā taake. Kāore i te here ā-ture, engari e tino tohutohu ana.

Wareware ki te kerēme i ngā mea. Ngā kiromita mō ngā toronga whare. Te paaka i te wā ka tae ki reira. Ngā utu whakapae Tribunal. Te utu meera mō te tuku panui. He tangohanga tika ēnei katoa, e mahuetia ana e te tangata nā te mea he iti rawa ki te whakaaro.

Me whakamahi koe i tētahi kaikaute?

Mēna kotahi tō whare me ngā utu māmā, ka taea pea e koe te whakahaere i te IR3R mā myIR. Ka neke koe ki ngā whare maha, ki ngā tatauranga moni-pānga raruraru rānei, ka tika te kaikaute. Ā, ka taea te tango i tana utu, nā reira he iti ake te utu tūturu i te puka utu.

Koinei te take i hangaia e au te whakarāpopototanga taake i RentManager

Ko te mea i pōrearea ai au ko te whaki ā-tau. Te kume kōrero pēke, te whakarōpū whakawhitinga ki ngā kāwai, te ngana ki te mahara he aha tērā utu $347 i Hepetema. I whakamahia e au a GnuCash mō te wā poto, kātahi ko ngā ripanga rorohiko, ā, i ia tau ko taua rangahau mamae anō.

Ka whakarōpūhia e RentManager ō utu ki ngā kāwai IR3R i a koe e whakauru ana puta noa i te tau. Kā tae te wā take, ka whakaputa koe i tētahi puurongo whakarāpopoto e hāngai tonu ana ki ngā āpure o te puka. Ka aroturukihia auto-māori ō moni-whiwhi reti katoa mā te tukutahi pēke. Kāore he pouaka rihiti. Kāore he whaki ā-mutunga-tau.

I hangaia e au tēnei nā te mea ko au te tangata e noho ana i taku tēpu kīhini i te 11 i te pō i Hune, e ngana ana ki te whakarōpū i ngā whakawhitinga 200. Mēna ka rite tēnei ki a koe, ka whakaorangia e RentManager ngā haora. Mēna kei te whakataurite koe ki te "whakamahi noa i a Xero me tō kaikaute", kei roto i Rorohiko Kaute Rangatira Whare i Aotearoa te whakawhitiwhiti.

Whakamātauria utukore mō te marama i rentmanager.nz.