Helu moraki nani
ʻO nā kumukūʻai hale ʻo New Zealand ka mea kiʻekiʻe loa ma ka ʻāina ʻo Auckland i Malaki 2022, me ke kumu kūʻai kūʻai waena ma kahi o NZ $1,2 miliona. E like me ke kūlanakauhale nui loa o ka ʻāina, ua ʻike mau ʻo Auckland i nā kumukūʻai kiʻekiʻe o nā hale i hoʻohālikelike ʻia i ka hapa nui o nā wahi ʻē aʻe. ʻO ke kūʻai ʻana i home ma New Zealand, ʻoi aku hoʻi ma kona mau kūlanakauhale nui, he pipiʻi. ʻO ka ʻāina kekahi o nā kumu kūʻai hale kiʻekiʻe loa i nā ratio kālā ma ka honua.
He hoʻokūkū ka mākeke hale noho ma Auckland. Ua piʻi nā kumukūʻai; Ua ʻike ka ʻāina ʻo Auckland i ka piʻi ʻana o nā kumukūʻai hale noho ma waena o ka mahina hoʻokahi i ka makahiki i hala. ʻO nā kumukūʻai hale noho ma Auckland ka mea kiʻekiʻe loa ma North Shore City a me ka Rodney District i ka mahina hoʻokahi, me ke kumu kūʻai kūʻai waena o NZ $ 1,35 miliona.
Ma muli o ka piʻi ʻana o ke kumukūʻai o ka waiwai paʻa, ʻoi aku ka nui o nā poʻe New Zealand e makemake ana e loaʻa i kā lākou waiwai ponoʻī ke lawe nei i nā moraki. ʻO ka hapa nui loa o nā hōʻaiʻē moraki noho ma New Zealand i hele i ka poʻe ʻaiʻē hale, a ukali ʻia e nā mea kūʻai hale mua. Ma waho aʻe o nā hōʻaiʻē moraki, ma lalo o ka KiwiSaver HomeStart initiative, hiki i ka poʻe kūʻai home manawa mua ma New Zealand ke noi e hoʻihoʻi i ka pau a i ʻole kekahi hapa o kā lākou waihona hoʻomaha KiwiSaver e kōkua i ke kūʻai ʻana i home mua. Eia nō naʻe, ʻoiai me ka uku hoʻohaʻahaʻa nui, hiki i nā mea hōʻaiʻē he mau makahiki ke uku i kā lākou moraki.
Helu moraki Asb
Hoʻokahi hōʻailona: Nui nā hale i kūkulu ʻia i nā makahiki 1990 a me nā makahiki 2000 i loaʻa i nā pilikia leak ma muli o ka lāʻau mālama maikaʻi ʻole ʻia. Inā ʻoe e noʻonoʻo nei e kūʻai i hale mai kēia au, e nānā pono iā ia no ka pōʻino o ka wai a ʻike inā ua hoʻoponopono ʻia.
Ma New Zealand, hoʻonohonoho ʻia nā kumukūʻai hale ma ke kūkākūkā ʻana ma waena o ka mea kūʻai aku a me ka mea kūʻai aku, a i ʻole ma ke kūʻai ʻana a i ʻole ke kūʻai ʻana (e pono ai nā mea kūʻai aku e hāʻawi i nā makana ma ke kākau ʻana i kekahi lā). No ka laʻana, ʻo BBO $320.000 ʻo ia hoʻi ka waihona kālā o ka mea kūʻai aku ma mua o $320.000. ʻO kahi hōʻailona ʻē aʻe o ke kumukūʻai ʻo ke Aupuni Valuation (GV) a i ʻole Appraised Value (RV). Hiki iā ʻoe ke uku no ka hōʻike loiloi mai ka mea loiloi i hoʻopaʻa inoa ʻia a i ʻole e kiʻi i ka ʻike waiwai ma ka pūnaewele mai ka hui aupuni Quotable Value.
E hoʻomanaʻo i ka ʻoiaʻiʻo: ʻoi aku ke kumukūʻai o nā hale ma Aotearoa i kēia manawa. He ʻoiaʻiʻo loa kēia ma nā wahi ulu e like me Auckland a ma nā wahi me ka hemahema o ka hale e like me Christchurch. ʻAʻole hiki iā ʻoe ke kūʻai koke i kou home moeʻuhane. E noʻonoʻo e hoʻolimalima a kūʻai paha i kahi mea ʻoi aku ka liʻiliʻi ma mua a neʻe i kahi hale ʻoi aku ka pipiʻi ma hope. ʻO nā hale noho a me nā hale kaona hiki ke lilo i ala haʻahaʻa e hoʻomaka ai. Eia hou, e kōkua lākou iā ʻoe e hoʻomaikaʻi i kāu helu hōʻaiʻē ma New Zealand.
helu moraki nz
Holo i ka maʻiʻo nui E hoʻopaʻa inoa. Inā ʻike ʻoe pehea e hoʻokele maikaʻi ai i kāu kālā, hiki i kēia koho ke kōkua iā ʻoe e hōʻemi i nā lilo ukupanee a i ʻole e uku koke i kāu hōʻaiʻē moraki, ʻoiai e hāʻawi iā ʻoe i ka ʻaiʻē inā pono ʻoe.
E hoemi i ka uku panee e uku koke aku i kou aie. Inā hoʻopaʻi ʻia nā mea kūʻai aku me kā lākou kālā, koho pinepine lākou e loaʻa kahi hapa o kā lākou hōʻaiʻē ma ke ʻano he Flexible Home Loan. Hoʻokomo lākou i kā lākou loaʻa kālā i kā lākou Flexible Home Loan account e hōʻemi i ka nui o ka hōʻaiʻē i kēia manawa, e hoʻohaʻahaʻa i ka nui o ka ukupanee a lākou e uku ai a kōkua iā lākou e uku koke.
awelika uku moraki nz
ʻO ke kūʻai ʻana i hale no ka manawa mua hiki ke lilo i mea hoihoi a paʻakikī. Nui nā mea e aʻo ai ma mua o kou hiki ke kamaʻilio me ka hilinaʻi me nā mea hoʻolako moraki a me nā mea kūʻai waiwai, nui ka hoʻomākaukau ʻana e hana ai, a me ka nui o nā pōʻino e pale aku ai.
Na kēia alakaʻi lima e haʻi iā ʻoe i nā mea āpau e pono ai ʻoe e ʻike ma ke ʻano he mea kūʻai hale mua ma New Zealand, e hele ana iā ʻoe i kēlā me kēia pae o ke kaʻina hana, mai ka mālama ʻana i kāu waihona a hiki i ka hāʻawi ʻana i nā kī i kou home ponoʻī.
He mea paʻakikī paha ke kau ʻana i kou wāwae ma ke alapiʻi waiwai, akā makemake nui ke Aupuni New Zealand e kōkua iā Kiwi e loaʻa ka home. No kēia hopena, ua hoʻokumu ʻo Housing New Zealand i kekahi mau hana e hiki ke maʻalahi ke kūʻai ʻana i kou home mua.
ʻOiai hiki iā ʻoe ke noi no kēlā me kēia ʻano o ka hōʻaiʻē home inā e hoʻokō ʻoe i nā koina hōʻaiʻē kumu o nā panakō, ma ke ʻano he mea kūʻai home no ka manawa mua, ua kūpono ʻoe i kahi hōʻaiʻē Home Mua, kahi hana kūikawā i kākau ʻia e New Zealand Housing e kōkua i nā ʻohana e komo i kā lākou hale mua. home.
ʻOiai ʻo ka hapa nui o nā mea hāʻawi kālā e koi i kahi waihona o ka liʻiliʻi he 20% o ka waiwai o ka home ma mua o ka noʻonoʻo ʻana i kahi noi moraki, ʻo kahi hōʻaiʻē home no ka manawa mua e koi wale i kahi waihona 5% (ma mua he 10%):
