Te Tāke Whare Rīhi o Aotearoa: Ngā Mea i Hiahia Au Kia Mōhio i Mua

I tētahi tau ko tōku moni whiwhi rīhi he $4,300, ko ōku utu he $18,000. Ehara i te hapa patopato. He $14,430 ōku utu ā-ture mai i tētahi kēhi hapa whare, i runga ake i ngā nama body corporate, ngā reiti kaunihera, me te inihua. I titiro au ki tōku IR3R e whakaaro ana kua hē rawa au i tēnei. Kāore. Ka taea e te whare rīhi i Aotearoa te tino utu nui, ā, ko te whakamarie anake ko te nuinga o aua utu ka taea te tango tāke.

Kua tuku au i ngā IR3R mō ōku whare noho e whā i Imperial Gardens i Tāmaki Makaurau CBD mō ngā tau — he whare toru-rūma, e rua ngā whare kotahi-rūma me ngā tūranga waka, me tētahi whare kotahi-rūma. Kua ako au i te maha o ēnei i te huarahi uaua. Anei ngā mea i hiahia au kia kōrerotia mai ki ahau i tōku tīmatanga.

Te IR3R: He Aha, Āhea Hoki

Ki te whiwhi moni rīhi koe i Aotearoa, ka whākī koe i runga i tō puka tāke takitahi (IR3) me te puka tāpiri IR3R. Ko te IR3R he mea motuhake mō te moni whiwhi rīhi me ngā utu.

Ngā rā tōmuri: 7 Hūrae ki te tuku māu anō, 31 Māehe o te tau e whai ake ana ki te whakamahi kaiwhakarite tāke (ā, ka panaia e te nuinga o ngā kaikaute ki muri atu anō mā ngā toronga).

Ka pūrongo koe i tō moni whiwhi rīhi katoa, ka tango i ō tangohanga e whakaaetia ana, ā, ka tāpiritia te moni toenga ki ō moni whiwhi kē, ka tāketia i tō reiti tāke taha.

He huringa nui hei mōhio: mai i te 2019, kua ring-fenced ngā ngaronga rīhi noho. Ko te tikanga o tēnei ki te nui ake ō utu rīhi i tō moni whiwhi rīhi (pēnei i tōku tau $4,300 moni whiwhi ki te $18,000 utu), kāore e taea e koe te whakamahi i taua ngaronga ki te whakaheke i tō utu mahi, i ō moni whiwhi kē rānei. Engari, ka kawea whakamua te ngaronga ka tangohia mai i ngā moni whiwhi rīhi ā muri ake. I tōku āhuatanga, i tono au ki te kawe whakamua i te ngaronga, ko te tikanga ina tīmata ōku whare ki te whiwhi moni tūturu anō, ka iti ake te tāke i taua moni mō tētahi wā. He taha pai tūturu ki te whai tau kino koe.

He Aha Ngā Mea Ka Taea te Tango

He māmā te tikanga whānui: ki te whakapau pūtea koe hei whiwhi i tō moni rīhi, tērā pea ka taea e koe te tango. Anei ngā mea kua tonoa e au i ngā tau, katoa he mea tōtika.

Ngā whakatika me te tiaki. Te whakatika i te element pakaru, te peita anō i muri i te nekutanga o te kainoho, te whakakapinga kapeti ngaro. Ko te whakamātautau matua ko te whakahoki rānei i te whare ki tōna āhua o mua. Te peita anō i te pakitara i kinongia e te kainoho? Ka taea te tango. Te whakahou i te kīhini katoa ki te taumata teitei ake? He utu whakapainga — he tikanga kē.

Inihua. Ka taea te tango katoa ngā moni inihua rangatira whare. Te uhi whare, te haepapa, te uhi ngaronga rēti — katoa. Ki te uhi tō kaupapahere i tō kāinga me tō whare rīhi, ko te wāhanga rīhi anake e kaute ana.

Ngā reiti kaunihera. Ka taea te tango katoa. He māmā.

Ngā utu body corporate. Ka taea te tango ngā utu auau. He nui tāku e utu ana i te body corp ia tau, katoa ka haere ki te puka tāke. Ko ngā utu motuhake mō ngā whakapainga pūtea tērā pea kāore e taea te tango — kōrero ki tō kaikaute.

Ngā utu ā-ture. He mea uaua ake tēnei i te nuinga o ngā aratohu e kī ana. Ko ngā utu tuku Tenancy Tribunal, te tohutohu ā-ture mō ngā take rīhi, te whakaritenga rīhi — ka taea ēnei te tango mai i te moni whiwhi rīhi. Engari he rerekē te take ture. I uru tōku whare ki tētahi kēhi High Court 11-tau mō ngā hapa wai. He nui rawa ngā utu ā-ture — kotahi te tau ko taua raina anake $14,430. Engari anei te mea: ki te tango koe i ngā utu ā-ture take ture, ko ngā moni whakahoki e whiwhi ana koe (mai i te kaunihera, te kamupene hanga, wai rānei) me whākī hei moni whiwhi. I kōwhiri mātou kia kaua e tango i ngā utu ā-ture, ko te tikanga kāore ngā moni whakatau i tāketia. Kōrero ki tō kaikaute mō te huarahi e pai ake ana mō tō āhuatanga.

Ngā utu kaute. Ko te moni e utu ana koe ki tō kaikaute hei whakaritenga i tō puka tāke ka taea te tango. He tangohanga whakamīharo tērā.

Te pānui. Ngā rārangi TradeMe, ngā pānui Facebook, ngā mea katoa e whakapau ana koe ki te kimi kainoho.

Te haere. Te taraiwa ki te whare mō ngā tirotiro, ngā whakatika, ngā whakaatu rānei. Hei te tūturu, ka tono au i te 20% o ōku utu waka katoa kaua ko te tātai i ia haere. Tae ki te 25% ka kore e pātai mai te IRD. Ki runga ake i tērā, me pupuri koe i te rēkene taipitopito me ngā rā, ngā tawhiti, me ngā take. Kāore au e pīrangi i taua taumata taipitopito — he pai ake te whakapau i tōku wā ki wāhi kē. Kōwhiria te huarahi e pai ana ki a koe.

Ngā utu whakahaere whare. Ki te whakamahi kaiwhakahaere koe, ka taea te tango katoa ō rātou utu. Ngā utu rīhi, ngā utu tirotiro, ngā mea katoa.

Te whakakore kīrearea, te horoi, me te whakamā. Te horoi ngaio i waenga o ngā rīhitanga, ngā mahi kīrearea — katoa ka taea te tango. I whai au i tētahi kainoho, nā tōna ngeru kāore i whakaaetia i kino i te kapeti me te tūru, ā, he mahi kīrearea anō hoki. Ko taua kainoho anō i momi, i tunu meth rānei i roto i te whare, kāore i kitea tae noa ki tōna nekutanga. Ko te utu whakamā a te body corporate tōna $2,400 me te GST. Katoa ka taea te tango, engari kāore au e hiahia anō ki taua wheako.

Ngā Mea Kāore e Taea te Tango

Ngā whakapainga pūtea. He raina mārama i waenga i ngā whakatika (ka taea te tango) me ngā whakapainga (kāore e taea). Ko te tikanga whānui: ko ngā mea i raro i te $1,000 ka kiia he utu ka taea te tango tonu. Ko ngā mea i runga ake i te $1,000 he pūtea whakapainga, me whakaheke i te wā. Te whakakapinga matapihi pakaru? Whakatika. Te whakakapinga katoa o ngā matapihi pane-kotahi ki te pane-rua? He whakapainga pūtea — ka whakaheke. He māmā ina mārama koe ki te taumata, engari tirohia ki tō kaikaute ki te kore koe e mōhio.

Te whakahekenga whare. Mai i te 2011-2012, kāore e taea te tono whakahekenga mō ngā whare noho ake. Ka taea tonu te whakaheke i ngā taonga pēnei i ngā mihini, ngā kapeti, me ngā kātene, engari ehara ko te hanganga whare.

Tō ake mahi. Ka taea e koe te tango i te utu peita me ngā rauemi, engari ehara ko te uara o tō Hatarei i whakapaua ki te peita. Kua maha ōku mutunga wiki i ōku whare, kāore tētahi o taua wā e taea te tono.

Ngā utu hoko. Ko ngā utu ā-ture, ngā uara, me ētahi atu utu hoko whare he wāhanga o tō tūāpapa utu, ehara i te tangohanga haere tonu.

Te Whakaeanga Moni Pūtea: Te Tūranga o te 2026

Koinei te mea kua peke haere mō ngā tau, ā, ka pōhēhē ngā tāngata katoa. Anei te tūranga ināianei.

I uru mai ngā ture whakamutu whakaeanga i te Oketopa 2021, ā, kua whakatikahia mō ngā wā maha mai i tērā. Kua whakahoki haere te kāwanatanga kotahitanga i te whakaeanga.

Mō te tau tāke 2025-2026, ka taea e koe te tango i te 80% o ō moni pūtea mōkete mai i te moni whiwhi rīhi. He pikitanga mai i te 60% o te tau o mua. E tūmanakohia ana te 100% whakaeanga katoa mai i te 2026-2027.

Ka pā ēnei tikanga ki ngā whare noho i hokona i te 27 Māehe 2021 me muri mai. Ki te hoko koe i mua i taua rā, tērā pea kua whai whakaeanga katoa koe. Tikina he tohutohu ngaio ki te kore koe e mōhio.

Mō ngā whare hou, kua taea te whakaeanga katoa o ngā moni pūtea i ngā wā katoa, ahakoa te rā hoko. Ko te "whare hou" ko te tikanga he code compliance certificate kua tukuna i roto i ngā tau 20 whakamutunga.

Hei whakaatu i ngā nama: ki te whai mōkete $600,000 koe i te 6%, ko tō moni pūtea ā-tau ko te $36,000. I te 80% whakaeanga, ka taea e koe te tono i te $28,800. I te 33% reiti tāke taha, ko te $7,200 kāore e taea te whakaeanga ka utu koe tōna $2,376 tāke anō. He moni tūturu tērā.

Te Pupuri Rekoata (Te Wāhanga Hōhonu Engari Nui)

E hiahia ana te IRD kia puritia e koe ngā rekoata mō ngā tau e whitu iti rawa. Ko te tikanga:

• Ngā tauākī pēke e whakaatu ana i te rēti kua whiwhi me ngā utu kua utua
• Ngā nama me ngā rīhīti mō ngā mea katoa e tango ana koe
• He rekoata o te utu hoko me ngā whakapainga pūtea
• Ngā kirimana rīhi
• Ngā tauākī pūtea e whakaatu ana i ngā moni pūtea kua utua
• Ngā rēkene haerenga waka

He pai ngā rekoata matihiko. Ngā rīhīti kua mataia, ngā tauākī pēke hiko, ngā PDF. Kāore e tukuna ēnei me tō puka tāke, engari me whakaputa e koe ki te tae mai te IRD.

Ngā Hapa Kua Mahia e Au (Me Kua Kitea e Au i Ētahi Atu)

Te wareware i te taumata $1,000. Ka mau tēnei i ngā tāngata ia tau. Ahakoa he whakatika mārama — te whakahoki ki tōna āhua o mua — ki te nui ake i te $1,000, me whakapainga me whakaheke i tōna wā oranga. I raro i te $1,000, ka taea te tango tonu. He $500 horoi kapeti? Tangohia ināianei. He $1,200 whakakapinga kapeti, ahakoa ko te kapeti ōrite? Whakahekehia.

Kāore i te aroturuki i ngā utu i te wā e pā ana. Ko tōku raru nui rawa mō ngā tau. Ka tae ki te Hune ka ngana au ki te whakatuhi anō i ngā utu o te tau katoa mai i ngā tauākī pēke me te maharatanga. I mahue tonu i ahau ētahi mea. He moni iti — he raka, he hua horoi, he utu tuku Tribunal, he moni mēra — engari ka nui haere.

Te hē o te whakaeanga moni pūtea. I te huringa o te ōrau ia tau, he ngāwari te tono i te moni hē. Tirohia rua i mua i tō tuku.

Kāore i te whakamahi pūkete pēke motuhake. I haere tōku moni rīhi mā tōku pūkete whaiaro mō te roa rawa. I tōku whakariteng i te pūkete motuhake, i māmā rawa atu te wā tāke. Ehara i te mea herea e te ture, engari e tūtohu kaha ana.

Te wareware ki te tono i ētahi mea. Te haere waka ki ngā toronga whare. Te tūnga waka i te taenga atu. Te utu tuku Tribunal $20.44. Te moni mēra mō te tuku pānui. Katoa ēnei he tangohanga tūturu e huri ana ngā tāngata nā te mea he iti rawa ia mea ki te pōhēhē.

Me Whakamahi Kaikaute Koe?

Ki te whai whare kotahi koe me ngā utu māmā, tērā pea ka taea e koe te whakahaere i te IR3R mā myIR. Ina whai whare maha koe, whakatau moni pūtea uaua rānei, he utu te kaikaute. Ā, ka taea te tango tō rātou utu, nō reira he iti ake te utu tūturu i te nama.

Koinei te Take i Hangaia ai e Au te Whakarāpopototanga Tāke i roto i a RentManager

Ko te mea i whakapōrearea i ahau ko te omaoma o te mutunga tau. Te tiki tauākī pēke, te whakarōpū whakawhitinga, te ngana ki te maumahara he aha taua utu $347 i Hepetema. I whakamahi au i a GnuCash mō tētahi wā, kātahi ko ngā ripanga, ā, ia tau ko taua mahi mamae anō.

Ka whakarōpū a RentManager i ō utu ki ngā kāwai IR3R i a koe e whakauruuru ana i te roanga o te tau. Ka tae te wā tāke, ka hanga koe i te pūrongo whakarāpopototanga e hono tōtika ana ki ngā āpure o te puka. Ka aroturuki aunoa te moni whiwhi rīhi katoa mā te tukutahi pēke. Kāore he pouaka hū rīhīti. Kāore he omaoma mutunga-tau.

I hangaia e au tēnei āhuatanga nā te mea ko au te tangata e noho ana i te tēpu kīhini i te 11pm i te Hune, e ngana ana ki te whakarōpū i ngā whakawhitinga 200. Ki te rongo ōrite tērā, ka tiaki a RentManager i ō hāora.

Whakamātauria utukore mō te marama kotahi i rentmanager.nz.