The msonkho pa miyala ya anthu: ndondomeko kuwerengetsa chiwerengero

Ambiri zothandizira sindikuganiza za msonkho pa miyala ya anthu. Potsegula gawo, kasitomala amafuna ndalama masamu pamaziko a mitengo awo akuti gawo chidwi. Ndipo nthawi zambiri anadabwa naye, phindu la kulipira misonkho.

Za malipiro a ntchito sankadziwa zonse

Inayambira gawo la, ndalama zambiri musati akuganiza kuti ndi phindu la (chidwi pa gawo la) adzafuna misonkho. Ichi ndi chifukwa zifukwa zingapo:

• mabungwe banki okha chifukwa cha gawo lochititsa ndalama, kulipira misonkho. The ntchito yaikulu ya antchito banki ndi kukopa makasitomala, kotero iwo kawirikawiri izo kwa depositors wamba. Chifukwa, ndi Investor amaphunzira za kufunika kulipira msonkho pa madipoziti kokha pamene yotsekedwa ndi chiphaso cha chidwi.
• Ambiri a ndalama anaika anthu asagwe pansi msonkho.

Nkofunika kuzindikira kuti revenues onse amene analandira mu dziko lino, imvera misonkho. Ndalama movutikira pa madipoziti mu mawonekedwe a chidwi accrued - komanso sindipindula anachokera gawo lochititsa. Izi mwayi amalipiritsa ndalama zimene amaperekedwa ndi boma.

Tax amachotsera - ndi wolemekezeka udindo wa nzika za. Komabe, ambiri a ndalama simukudziwa kuti chidwi pa madipoziti, monga ndalama chabe ndi zedi.

Kodi lamulo limati

The kukhoma msonkho pa madipoziti zimachitika zinthu zingapo:

• ngati inu kutsegula gawo mu rubles ndi chiwongola dzanja 5% pa mlingo refinancing (mu 2016 mlingo uwu ukugwira mfungulo kuti ndi 11%);
• pamene inu kutsegula gawo mu ndalama za kufunika msonkho pa miyala ya anthu atero, ngati pa kuposa mlingo wa 9% pa annum.

chikoka cha mawu

Ngati nyengo gawo osati choposa zaka zitatu, pa nawo chidwi kuti kutchulidwa ku gawo mgwirizano. Ena mabanki azipereka chiwongola dzanja akuyandama, omwe amaonjezera akamaziwononga.

Nkofunika kudziwa kuti msonkho pa gawo banki uyenera kulipiridwa mu malipiro chidwi accrued osati pa mapeto a mawu. Kuti, ngati zinthu gawo kupereka kwa malipiro chidwi accrued mwezi uliwonse, msonkho adzamva kunditumiza ku bajeti tsiku lililonse 30/31.

Bank mu ambiri a milandu ndi wothandizila msonkho ndipo amayembekezera ndipo amamvera kwa depositor mtsukowo misonkho. Komanso, kodi inu kuti malipoti msonkho (Declaration ndalama). Choncho, gombe akhoza kupempha thandizo 3-DZENJE, amene adzakhala zothandiza kupeza amachotsera msonkho m'tsogolo.

Chimene chiri chabwino kwa mobisa wa chopereka wake kuchuluka kwa chithandizo sizinafotokozedwe. Iwo alembedwa kokha kuchuluka chidwi analipira, zomwe zimafunika mu mawerengedwe a misonkho malipiro okha.

Kodi kungakhale kotheka

Chopereka Chophweka ikukhudza mawerengedwe ndi malipiro chidwi pa mapeto a mawu a pa mlingo mgwirizano. Kodi msonkho pa madipoziti adzakhala masamu ndipo analipira kumapeto akuti.

Pano pali chitsanzo. Kasitomala wayika gawo la 500 zikwi. Rubles kwa miyezi sikisi. Mlingo wa chopereka 21%. Athandiza yosavuta, popanda capitalization, popanda kuthekera zopereka, malipiro chidwi pa kukhwima. Ife kuwerengera ndalama za msonkho.

Kutanthauzira, msonkho idzakhala masamu ndi mlingo wa:

• 21 - (11 + 5) = 5%.
• (5 × 500 000 × 181: 365: 100) X 35% = 4339 rubles.

ndalamazo adzakhala deducted kwa kuchuluka kwa ndalama kuti Investor adzalandira pa kukhwima.

Onani kudziwanso wapangidwa pansi malamulo atsopano. M'malo mwake, monga wakale, amene kuyambira chiyambi cha 2016 inayambanso kachiwiri. Mu 2014, lamulo Analeredwa, amene anakhazikitsa mlingo watsopano ndalama pa madipoziti si zedi. Iye ankawonetsetsa kuwonjezeka mlingo refinancing ndi mfundo kuchuluka 10 mfundo kuchuluka m'malo 5 Ndiye kuti, ndi msonkho pa madipoziti pokhapokha malipiro owonjezera 18,25% pa annum.

lamulo limeneli ntchito kuyambira mochedwa 2014 mpaka December 31, 2015

Tax pa madipoziti banki mu ndalama zakunja kuchita masamu pa mlingo applicable pa tsiku la malipiro a chidwi accrued.

Mlingo wa chidwi akhoza kusintha pa mawu a gawo lapansi. Ndiye msonkho sati umene kokha pamene mlingo sanali kuposa 16% (11 + 5), ngati chopereka mu rubles, kapena 9% mu nkhani ya ndalama gawo.

A pang'ono mukamayesetsa kuwerengera msonkho pa miyala ya anthu, ngati amapereka capitalization. Palinso zimene mungachite kuti mitengo zimene zimadalira kuchuluka. Komanso, nthawi iliyonse adzakhala ndi maziko kuwerengetsa msonkho, chifukwa ndalama ya chopereka adzakhala m'gulu chidwi.

Ngati gawo ndi kutsazikana asanakalambe

Gawo pangano amapereka kuchotsa oyambirira, mmene muli kutembenuka mtima kwa chiwongola dzanja motsogozedwa lawo Ndikulichepetsa, ndipo noticeable kwambiri. Kenako bungwe ngongole recalculates kuchuluka chidwi kuti mawu onse a gawo lapansi.

Mogwirizana ndi ndalama izi atayika, ndiwo msonkho. Ndipo pali kufunika malipiro a msonkho accrued ndipo analipira munthu. Art. 231 ya Tax Code limasonyeza kuti wokhoma angachire kuchuluka kwa msonkho overpaid kufunsa ofesi msonkho pa malo okhala ndi mawu olembedwa.

Chofunika kudziwa ndi kumvetsa

Ngati gawo lakonzedwa kwa zaka zitatu, simunganditsate mlingo refinancing (ie, mlingo kiyi) CBR. Nkofunika yekha panthawi ya kusaina pangano zopereka. Ngati zinthu zonse, msonkho pa madipoziti sadzakhala ndi kulipira mabanki. Kupatulapo pano ndi kukula kugunda pa gawo lokha: kulipira chilango msonkho owonjezera a pamakomo izo.

Ngati Investor Kulemba gawo la zitsulo zamtengo wapatali adzakhala msonkho ndalama zonse analandira ndi Investor lapansi. Komabe, mawerengedwe adzapangidwa pa mlingo wa 13%.

Madipoziti ku Bank ndi ndalama

Imodzi mwa gombe wotchuka kwambiri mu dziko lilinso osiyanasiyana madipoziti. Iwo onse ndi makhalidwe awo:

• Kutalika kwa chopereka. Pali madipoziti akuti miyezi itatu. Pali nthawi yaitali zaka zitatu.
• Kukula kuchuluka gawo.
• Gawo ndalama (lero mukhoza kupanga gawo mu ndalama atatu: ruble, yuro kapena dola US).
• Capitalization. The chiwongola dzanja zikudalira kapena ayi pali capitalization.
• mwayi A kudzutsa mphamvu.
• Chopereka zotheka kudziletsa.

Mu ndalama Bank depositors ndi mwayi kutsegula gawo mu zitsulo zamtengo wapatali, amene ubwino izi:

• ndalama waba tikaona mtengo wa zitsulo izi pa msika;
• palibe malipiro kwa kutsegula ndi kusamalira nkhani;
• palibe ayenera kulipira VAT;
• liwiro la utumiki - pafupifupi mphindi 10.

Ndi njira yabwino lero - ndi satifiketi ndalama, limene mtengo 11,5% pa annum. Komabe, si nkhani inshuwalansi mokakamizidwa.

mankhwala wina, amene ayenera kulabadira - "Khalani", ndi 9,07%. Mukhoza kutsegula kwa zaka zitatu, sasamalira kubwezeretsa.

Tinganene: misonkho pa madipoziti ku Bank ndi ndalama kulipira Sikuti. Mitengo pa iwo musalumphe Malire chovomerezeka. Komabe, tizikumbukira kuti siligwira ntchito kwa madipoziti ndi zitsulo zamtengo wapatali: izo linaperekedwa kwa ndalama zonse.

mu Ukraine

Si kale mu Ukraine anayambitsa msonkho lathyathyathya pa madipoziti, zochotsa kale, limene linali patsogolo.

Amene zopereka msonkho mu Ukraine ndi 15%, ndipo lolipiridwa ndi ndalama zonse, zivute zitani. Poyamba, mlingo anali mwapang'onopang'ono, ndi msonkho linaperekedwa, ngati ndalama kuposa 20 chikwi. Hryvnia. Ndi kuchuluka kuwonjezeka anakula chidwi (ndalama pa miyala ya hryvnia oposa 1 miliyoni alipire 25%).

Ambiri mwina, zimenezi pofuna kupewa kugawikana kuchuluka ndalama m'magulu ang'onoang'ono kuti kuzemba.

Tax wothandizira, komanso mu Russia, ndi banki. Izo kuwerengera ndalama za msonkho pa depositors, kupanga kusintha kofunika thumba. Zimenezi ndi banki akuchita mu nthawi ya accrual ndi malipiro chidwi. Pakuti mobisa bungwe gawo silimanena ndi mawu msonkho wa deta depositor, kuchuluka gawo chiwongoladzanja accrued.

Onani kuti zimenezi sikungawononge khadi ndi nkhani panopa, ntchito malipiro.

Ife kutengapo maganizo

Tiyeni zopanga apeza zomwe zimatchulidwa kale:

• Chidwi pa madipoziti udzakhazikika ndi bungwe ngongole ndipo zotchulidwa mu mgwirizano. Depositor amasankha ndalama zochokera zilakolako zawo, mwayi ndi maganizo pa madipoziti.

• Refinancing mlingo Mzimuyo Bank ku Central la Chitaganya cha Russia. Izo zimatengera ndi chiwongola dzanja limene lili ngongole kwa mabanki malonda. Komanso, sukhala kufufuma.
• The msonkho pa miyala ya anthu anakhazikitsa ndi boma. The Tax Code ikuti ndondomeko mawerengedwe. Kuchuluka kwa msonkho kwa anthu a m'dzikoli ndi kuchita masamu zochokera 35%, si anthu (nzika za maiko ena) kulipira 30%.

Mu misonkho thereunder kosamugonjera zopereka kuti ndi nthawi ya kusainira kapena nthambi ya mtengo mgwirizano chidwi si upambana mlingo refinancing wa Bank ku Central la Chitaganya cha Russia + mfundo kuchuluka zisanu Komabe, pali mzera kuti pa nthawi ya accrual zasungidwa kuchuluka chidwi pa gawo si adzauka. Ndipo ngati tsiku pamene chiwongola dzanja pa gawo la anali wapamwamba refinancing mlingo chinawonjezeka ndi mfundo kuchuluka 5 panapita zaka zitatu.