General information for preparation, not a lending decision.帮助您准备问题的一般信息，不是贷款决定。
KiwiSaver first-home withdrawalKiwiSaver 首次购房提取
KiwiSaver members who meet the eligibility criteria can withdraw most of their savings: excluding the $1,000 kick-start contribution and any Government subsidy contributions such as the early childhood education payment: to help purchase their first home. These rules are set by the New Zealand Government via the KiwiSaver Act 2006 and administered by each provider.
To be eligible you must have been a KiwiSaver member for at least three years and never owned a property before. If you have previously owned a home, you may still qualify under limited reinstatement provisions: for example, after a separation or if you have been out of the property market for a significant period. Each provider assesses reinstatement differently.
The maximum withdrawal is the full balance of your member contributions and employer contributions, plus investment returns. You cannot withdraw funds that came from the Government's contribution. Most providers process a withdrawal request within 10 to 15 working days, though some take longer if documentation is incomplete.
You will need a solicitor's confirmation that you have an agreement to purchase a property or that you are a first-home buyer intending to purchase. Lenders typically require the KiwiSaver withdrawal to be applied towards the deposit before or at settlement. The funds are usually paid directly to your solicitor's trust account.
An important practical point: your KiwiSaver balance is not guaranteed. Market movements can reduce the balance between the time you check it online and when the withdrawal is processed. If your provider's default fund has a conservative or balanced investment mix, this risk is lower but not zero. It is advisable to request an official balance statement from your provider no more than one month before your planned purchase.
The withdrawal counts towards your deposit but not as equity for lending purposes: lenders still require genuine savings or other evidence of deposit capacity before they issue pre-approval. A mortgage adviser can confirm which combination of KiwiSaver, savings, and gifted funds works best for your lender shortlist.
符合资格条件的 KiwiSaver 会员可提取大部分储蓄（不包括 $1,000 启动金和任何政府补贴缴款，如早期幼儿教育补助），用于购买首套住房。这些规则由新西兰政府通过《KiwiSaver 法案 2006》制定，由各 providers 执行。
要符合资格，您必须已是 KiwiSaver 会员至少三年，且从未拥有过房产。如果您曾经拥有过房屋，在某些有限恢复条款下仍可能有资格: 例如分居后，或您已长时间离开房地产市场。各 providers 对恢复资格的评估标准不同。
最高可提取金额为您个人缴款和雇主缴款的全部余额，加上投资收益。您不能提取来自政府补贴的部分。大多数 providers 在 10 到 15 个工作日内处理提取申请，如果文件不齐全，部分可能需要更长时间。
您需要律师确认您已签署购房协议或您是计划购房的首次购房者。贷款机构通常要求 KiwiSaver 提取款在交割前或交割时用于首付。资金通常直接支付到您的律师信托账户。
一个重要实际操作点：您的 KiwiSaver 余额并非保证不变。从您在线查看余额到提取处理完成之间，市场波动可能使余额减少。如果您的 providers 默认基金属于保守型或平衡型投资组合，这一风险较低但并非为零。建议在计划购房前一个月内向您的 provider 索取官方余额证明。
提取款计入您的首付，但不作为贷款用途的股本: 贷款机构在发放预批前仍要求真实储蓄或其他首付能力证明。贷款顾问可以确认哪种 KiwiSaver、储蓄和赠与资金的组合最适合您的贷款机构候选名单。
Points to keep in mind需要留意的事项
- Read the details alongside your own figures, timing, and documents.请结合自己的数字、时间安排和材料阅读这些内容。
- Use this article to prepare questions. Current lender criteria and personal circumstances still need to be checked.把文章当作准备问题的起点，具体贷款机构政策和个人情况仍需进一步确认。
Questions people often ask常见问题
No. This is general information from an existing service-page article. Approval, eligibility, cost, and suitability depend on your circumstances and the relevant lender criteria.
不能。这是从现有服务页面整理的一般信息。资格、审批、成本和适合性仍取决于您的实际情况以及相关贷款机构的评估标准。
Use it to identify the questions and documents that matter to your situation before deciding whether to start a conversation.
您可以把它作为整理问题和准备材料的起点，再决定是否需要结合自己的情况进一步沟通。
Source context来源背景
These public sources provide context for the general information in this article.以下公开来源为本文的一般信息提供背景。