Irhafu iidipozithi ngabantu: inkqubo yokubala pesenti

Uninzi nabanikeli musani ukucinga malunga irhafu iidipozithi labantu. Ngokuvula idipozithi, umxhasi ulindele ukuba kufumana isixa ebalwe ngokusekelwe kumazinga abo dipozithi umdla elide. Yaye kudla isimanga kuye, ukuba iingeniso kufuneka ukuba ahlawule irhafu.

Malunga intlawulo umsebenzi ayengazi yonke

Ukuvula i idipozithi, abatyali-zimali ngokubanzi musa ukrokrela ukuba iinzuzo (inzala idiphozithi) kuya kufuneka ukuba ahlawule irhafu. Oku kungenxa yezizathu ezininzi:

• amaziko Banking ngokwabo ngenxa ingeniso onegalelo, ahlawule irhafu. Umsebenzi ophambili kubasebenzi ibhanki kukutsala abathengi, ngoko ke kunqabile ndinikhumbula ukuba abagcinisa eziqhelekileyo. Ngenxa yoko, umtyali-mali ufunda ngemfuneko ukuba ahlawule irhafu yengeniso iidipozithi kuphela xa ivaliwe yaye irisithi umdla.
• Uninzi mali ebekwe ngabantu angaweli phantsi irhafu.

Kubalulekile ukuqonda ukuba zonke iingeniso ezifunyenwe kweli lizwe, kuxhomekeke irhafu. Ingeniso ezuzwe iidipozithi ngohlobo umdla ethe - Kwakhona akundincedi sandla lithathwe. Eli thuba yengeniso imali enikwa ngurhulumente.

ukutsalwa kwerhafu - yi duty oHloniphekileyo we ngummi. Noko ke, uninzi abatyali abazi ukuba inzala iidiphozithi, njengokuba ingeniso UMSI lonke elimiweyo.

Yintoni umthetho uthi

Isinyanzelo sokuba uhlawule irhafu yengeniso iidipozithi zenzeka kwiimeko ezininzi:

• xa uvula esisibambiso engange kunye ngomyinge wenzala we-5% ngaphezu umlinganiselo mboleko (ngo-2016 eli zinga kubalwe isitshixo 11%);
• xa uvula esisibambiso lwemali imfuneko ukuba ahlawule irhafu kwiidipozithi of bantu, ukuba ngalo lidlula izinga-9% ngonyaka.

Izinto ngokoMthetho

Ukuba ixesha idipozithi esingadlulanga kwiminyaka emithathu, ngamnye umdla idweliswe kwidiphozithi contract inxaxheba. Ezinye iibhanki zinika ezidadayo kwenzala, leyo ukwandisa phantsi kweemeko ezithile.

Kubalulekile ukwazi ukuba irhafu ifakwe kwibhanki kufuneka ihlawulwe intlawulo umdla ethe hayi ekupheleni kwekota. Oko kukuthi, ukuba iimeko idipozithi ukulungiselela intlawulo inzala ethe nyanga nganye, irhafu kuya kutshintshelwa mali yonke imihla 30/31.

Bank kwi uninzi macala a arhente irhafu yaye ulindele kwaye uhlawulela abagcinisa ukuba lifake irhafu. Ukongeza, iya kuba ukuba iingxelo irhafu (Declaration of yengeniso) angenise. Ngoko ke, ibhanki unako ukucela uncedo-3-NGOBUCHULE, nto leyo eya kuba luncedo ukufumana kokuba kutsalwe irhafu kwixesha elizayo.

Yintoni kuhle ukuba Ukufihla ngegalelo lakhe umlinganiselo uncedo alukhankanywanga. Lipelwe ndikhupha nje kuphela imali umdla kuhlawulwa, nto leyo ebandakanyekileyo ekubaleni iirhafu kunye neentlawulo bona ngokwabo.

Yintoni lunokwenziwa

Igalelo ilula ibandakanya ukubala kunye nentlawulo umdla ekupheleni kwekota ye ye izinga contract. Apho irhafu yengeniso iidipozithi ziya kubalwa zize zihlawulwe ekupheleni kwekota.

Nanku umzekelo. Umntu ibeke idiphozithi ka-500 lamawaka. Engange iinyanga ezintandathu. Izinga igalelo-21%. Igalelo elula, ngaphandle capitalisation, ngaphandle kungenzeka iminikelo, intlawulo nenzala lokuvuthwa. Thina mazibale imali yerhafu.

Chaza, kwerhafu ziya kubalwa kunye rate of:

• 21 - (11 + 5) = 5%.
• (5 x 500 000 x 181: 365: 100) x 35% = 4339 engange.

Le mali iza kutsalwa kwi-mali yengeniso-mali ziya kufumana kwi lokuvuthwa.

Qaphela ukuba ubalo senziwe phantsi imithetho emitsha. Kunoko, ngokutsho endala, abathi ukususela ekuqaleni kuka-2016 waqalisa ukusebenza kwakhona. Ngo-2014, lo mthetho wamiswa, elathi laseka kwinqanaba elitsha yengeniso iidipozithi nje irhafu. Engqondweni ukunyuka kwezinga ekukhutshweni 10 ipesenti amanqaku endaweni 5 ipesenti iingongoma Oko kukuthi, werhafu kwiidipozithi ihlawulwa kuphela ngaphaya 18.25% ngonyaka.

Lo mthetho kusasebenza ekupheleni kuka-2014 ukuya kutsho kuDisemba 31, 2015

Irhafu kwi needipozithi zebhanki yamanye amazwe ibalwa ngomlinganiselo esebenzayo ngaloo mhla intlawulo nenzala.

Umyinge wenzala zingatshintsha ngokuhamba kwexesha yedipozithi. Ngoko tax aziyi kuhlawuliswa kuphela xa izinga wayengekho ngaphezulu kwe-16% (11 + 5), ukuba igalelo kwi engange, okanye 9% xa dipozithi lwemali.

A bit nzima ukuba ukubala irhafu iidiphozithi ngabantu, ukuba imisela capitalisation. Kukho iindlela irhafu ezixhomekeke imali. Ukongeza, ngethuba ngalinye liya kuba sokubala irhafu, ngokuba umdibaniso galelo mdibi inzala.

Ukuba idiphozithi sinqunyanyisiwe ngaphambi kwexesha

isivumelwano idipozithi unika yokuphelisa ekuqaleni, apho kukho ukuguqukela umyinge wenzala kwicala zokunciphisa wayo, kwaye buqapheleke kakhulu. Emva koko ke iziko lamatyala recalculates isixa umdla ikota yonke le dipozithi.

Malunga nalo ingeniso ilahlekile, leyo irhafu. Kwaye kukho imfuneko ukubuyisela imali ethe yaye kuhlawulwa irhafu yengeniso. Art. 231 i-Code Tax ibonisa ukuba werhafu unako kwakhona isixa serhafu ndibhatalwe ngokunxibelelana kwiofisi yerhafu kwi ndawo yokuhlala kunye nenkcazo ebhaliweyo.

Kubalulekile Yintoni ukwazi nokuqonda

Ukuba idiphozithi yenzelwe iminyaka emithathu, awukwazi ukulandela izinga ekukhutshweni kwemali (ukutsho oko, umlinganiselo iqhosha) CBR. Kubalulekile kuphela ngethuba wokutyikitywa kwesivumelwano igalelo. Xa zonke iimeko, werhafu kwiidipozithi akuyi kufuneka ukuba ahlawule neebhanki. Le ngaphandle apha izinga lokukhula kwi efihlwe: kuya kufuneka uhlawule isohlwayo irhafu ezingaphezu nemibundu yeminyango.

Ukuba ngaba umtyali-ulungisa idiphozithi of amatye anqabileyo, iya kutsalelwa irhafu yonke ingeniso efunyenwe yi-mali. Nangona kunjalo, le ndlela yokubala iza kwenziwa ngomlinganiselo we-13%.

Imali kwi-Savings Bank

Yenye yeebhanki athandwa kakhulu kweli lizwe ikunikeza uluhlu olubanzi iidipozithi. Bonke babe neempawu zabo:

• Ixesha igalelo. Kukho needipozithi zexeshana iinyanga ezintathu. Kukho ixesha elide ukuya kwiminyaka emithathu.
• Ubungakanani mali sedipozithi.
• Idiphozithi currency (namhlanje ungenza idipozithi ezimalini amathathu: engange, i-Euro okanye i-US dollar).
• Yimali. Umlinganiselo wenzala kuxhomekeke ukuba okanye hayi kukho capitalisation.
• A ithuba uyitshaje.
• Igalelo kunokwenzeka ukuzibamba.

Kule abagcinisa Savings Bank banethuba ukuvula idipozithi kwi amatye anqabileyo, banayo eziluncedo zilandelayo:

• imali emiselwe ixabiso lwezi methali kwi emarikeni;
• akukho ntlawulo ukuvulwa kunye nokugcinwa akhawunti;
• akukho kufuneka ahlawule VAT;
• Isantya wenkonzo - malunga 10 imizuzu.

Yeyona ndlela kakhulu namhlanje - a isiqinisekiso lokonga, apho izinga yi-11.5% ngonyaka. Nangona kunjalo, akukho phantsi inshorensi yesinyanzelo.

Enye imveliso, ekufuneka sinikele ingqalelo - "Hlalani", ukuba 9,07%. Uyakwazi ukuvula ukuya kwiminyaka emithathu, akabakhathalele wemvula.

Sithi: irhafu iidipozithi kwi Savings Bank ukuba ahlawule akuyomfuneko. Weerhafu kubo musa ukudlula imida kuvumelekile. Nangona kunjalo, khumbula ukuba oku akusebenzi bekelelo kunye amatye anqabileyo: ukuba luhlawulwe kwingeniso iyonke.

e Ukraine

Hayi kudala e Ukraine laqalisa werhafu ezilinganayo iidipozithi, emcela ukuba ngaphambili, nto leyo progressive.

Ngubani tax iminikelo e Ukraine yi-15%, kwaye ihlawulwe ngabo bonke abatyali, enoba yintoni. Ngaphambili, i-repo rate inkqubela, yaye irhafu ihlawulwa, ukuba loo mali sedipozithi idlula 20 lamawaka. Hryvnia. Nemali yokwanda wakhula kunye nenzala (ingeniso kwiidipozithi engaphezulu kwesigidi esi-1 hryvnia kwafuneka ukuba ahlawule-25%).

Kungenzeka, oku kwenziwa ukuze kuthintelwe ukusasazeka mali lolondolozo lezabelo ezincinane ukuze nokubaleka.

arhente Tax, kwakunye eRashiya, i ibhanki. Iya ukubala ubungakanani irhafu abagcinisa, ukwenza izinikezi eyimfuneko zobuncwane. Ezi zenzo ibhanki wenza ngexesha accrual kunye nokuhlawulwa umdla. Kuba vu iziko idipozithi ayibonisi kwi kwisibhengezo yerhafu data abagcinisa, isixa-mali sedipozithi, ukuba nenzala.

Qaphela ukuba ezi zinto aziyi kuchaphazela ikhadi kunye akhawunti ngoku, iiprojekthi kwemivuzo.

Sinqwenela ukutsalela iziphetho

Makhe kukuqulunqa izinto eziphambili okhankanywe ngaphambili:

• Inzala iidipozithi ziya kusekwa liziko ngetyala kwaye kuchaziwe kwisivumelwano. Abagcinisa ukhetha yokubheja ngokusekelwe iminqweno yabo, amathuba kunye neziphakamiso iidipozithi.

• rate mboleko kugqiba Central Bank of the Russian Federation. Inika izinga lenzala inika mboleko kwiibhanki zorhwebo. Kwakhona, oko kuchaphazela emali.
• Irhafu iidipozithi abantu esekwe ngurhulumente. I-Code Irhafu icacisa inkqubo ukubala. Isixa serhafu kubahlali yelizwe iya kubalwa ngokususela-35%, non-abahlali (abemi kwamanye amazwe) ahlawule-30%.

Phantsi kwawo irhafu ayikho phantsi iminikelo ukuba babe ngexesha ukusayina okanye ukwandisa izinga isivumelwano umdla ayidluli izinga mboleko ye-Central Bank of the Russian Federation + ezintlanu ipesenti amanqaku Noko ke, kukho igatya ukuba ngexesha laso ingeniso accrual isixa inzala imali akuthethi kuvuka. Ke ukuba umhla xa umyinge wenzala kwi idipozithi lwalulude ireyithi mboleko lenyuke nge-5 ipesenti amanqaku, kwaqengqeleka ukuya kwiminyaka emithathu.