Taxation yesibambiso abantu '. Taxation yenzala kwiidipozithi zebhanki

needipozithi zebhanki zithathwa yenye yeendlela ezininzi eziqhelekileyo ekufumaneni kunye nolondolozo kubemi. Iidipozithi kwenza kube lula yokulondoloza nokwandisa imali yakho. Noko ke, ngokuhambelana nemithetho esebenzayo, inzuzo ngamnye ukwenza iintlawulo-mali. Malunga nendlela urhafiso yesibambiso yebhanki abathile, abemi andazi yonke into. Ngelo xesha, ulwazi malunga nesi senzo njengesiseko ukwenza izigqibo ezichanekileyo malunga ukubekwa mali zabo akhawunti kwiziko zemali. Makhe sihlolisise ngokweenkcukacha ngakumbi urhafiso yesibambiso ngaseludinini ngabanye.

Overview

Okugcina kwemali kwi iidipozithi kwimigangatho ibhekisela imali kwisixando sokwenziwa. Njengenye yezinto ezilungileyo ezi imisebenzi limi kwi izenzo ubuncinane zomnini wezeMali ngokunxulumene kwinkunzi yayo. Oku ngokulinganayo usebenza urhafiso yesibambiso of amaqumrhu asemthethweni kunye nabemi. iziko Financial ngokwayo uwugcinayo zonke ezibanjwayo eziyimfuneko.

Ukuhlobana umbuzo

Xa ukhetha i ibhanki idipozithi umnini indlela, njengoko umthetho, ibala ingeniso. Noko ke, yena uxhomekeke kubungakanani, ixesha, kwaye izinga idipozithi. Kulo mzekelo, urhafiso yengeniso iidipozithi idla azithathelwa ngqalelo. Oku kungenxa yokuba abemi abaninzi musa nokuba ucinge yokuba eli ingeniso ixhomekeke kwimiqathango ye-Code Tax. Le meko kuyaqondakala. Okokuqala, njengokuba kuthiwe, urhafiso bekelelo beka kumaziko zemali, kwaye ngokuqhelekileyo ngenxa ukubizwa isixa esithile kwemali eyifumana ngaphandle kwi ekuqa- wokugqibela. Ukongezelela, hayi zonke imfuneko idipozithi sisebenza NC.

iimpawu nokugcinwa

Ngokungqinelana nomthetho okhoyo namhlanje irhafu ukufakwa kwemali usebenza iidipozithi, vula kubemi - abahlali lizwe. Bamba wenziwe kwaye ne-akhawunti non-umhlali ukuba imithombo yabo yengeniso ezinxulumene imisetyenzana Russian Federation. Ngokuhambelana kunye neendidi ezahlukeneyo esekwe ubukhulu kubhejo ethile, kwakunye nemigaqo apho ulwabiwo lwabo ikhutshwa phandle.

Inkqubo zokubiza irhafu yengeniso

Taxation yesibambiso abantu bendalo 'yenziwa ngokomfuziselo lusekiwe. Ukuba abize lwenziwa kwi-akhawunti:

1. In lwemali kazwelonke. Urhafiso iminikelo eyenziwe apho izinga yabo ingaphezulu ekukhutshweni kwemali amanani CBR (ngaphezu kwe-8,25% ngoku) kunye ne-5%.
2. Yamanye amazwe. zenziwe zolwabiwo, ukuba izinga eliphezulu kwe-9%.

Isiseko lisebenza umahluko ingeniso kanye ukusuka idipozithi, kunye nemali efunyenwe ngesantya embundwini. Ngokusekelwe ingeniso abaliweyo - wesiqhelo kunokuba rate olusebenzayo. Oku kuthetha ukuba inkqubo le nto umahluko phakathi iidiphozithi ukuba capitalisation of iminikelo zesiqhelo.

into ebaluleke

Kwimeko yesivumelwano kwithuba leminyaka ubuncinane emithathu ixabiso iya kuba kuphela ngeqondo luyasebenza ngomhla yobhaliso (iyaqhubeka) akhawunti. Ukuqokelelwa iintlawulo mandatory ezenziwa ngexesha ukuhlawulwa kwenzala. iziko Financial liqhuba ukuphendula engqongqo. Thathela ingqalelo yonke ingeniso inzala abantu bendalo, kwangaxeshanye wenziwe ukudluliswa irhafu yengeniso yabo. Ulawulo kwezi imisebenzi sabelwe ngamaziko afanelekileyo: i-Central Bank, i-Federal Service Tax, umbutho zophicotho. Izixa-mali kufuneka ziboniswe kwi mmiselo ngexesha i-NGOBUCHULE 3. Kuyimfuneko ekulungiseleleni kokuba kutsalwe irhafu nezinye izinto.

imisebenzi zemali yenkampani

Taxation iidipozithi abantu yendalo kwenziwa nyanga nganye okanye ekupheleni kwethuba elithile (ngokuhambelana contract). Kuba abahlali ezibanjwayo - 35% for non-abahlali - 30%. Company Financial yenza ukubala, imali ebanjwayo kanye kokutsalwa kweentlawulo ezinyanzelekileyo mali. Kwezinye iimeko, umbutho zinika abathengi kunye zokubala ezikhethekileyo. Ngoncedo lwabo abanini abangathathi Ungabala iingeniso zabo kunye irhafu ukuba kunyanzelekile ukuba ukuhlawula imali. Kuba umthengi ngamnye ofumana ingeniso evela kutyalo-mali, inkampani mali isiqinisekiso. Ithi isiseko berhafu mali lokugcina. Ubungakanani imali yakho ifakwe kwi isiqinisekiso akangenanga. Olu xwebhu ukhutshwa yinkampani zemali ngesicelo esibhaliweyo client.

iimeko ezizodwa

Abemi uyakwazi ukubeka iimali zabo akhawunti zamaziko mali ibekwe amazwe. Kulo mzekelo, kufuneka ubone enoba kukho phakathi lizwe ise ibhanki apho, kunye nesivumelwano Russian ephelisa ukugcinwa okuphindwayo inzuzo. Kwimeko kwesi sivumelwano, umxhasi ungakhetha ilizwe kuhlahlo lwabiwo-mali apho uya kukuphumeza nemirhumo yogunyaziso. Ukuba abanikazi imali musani ukubonisa kuyo, iidiphozithi yebhanki irhafu ngokungqinelana nemithetho zikaRhulumente kubekwe apho iziko lemali. Emva koko, ke, abathengi ungenza ibango isamba semali ezihlawulwe ukugqithisela ukuba le mali Russian. Ukuba oku kungasentla kwisivumelwano, ntonje urhafiso iidiphozithi kumaziko ezemali amazwe yenziwa kabini.

Ingase xaka

Taxation yesibambiso nebhanki ingathinteleki, ukuba ngexesha apho isivumelwano isemthethweni, ukuba kubekho utshintsho isiseko ezibanjwayo mandatory. Le meko kungenzeka ngenxa yezinto ezininzi:

1. Xa angafaniyo ubungakanani dipozithi ngenxa namandla wayo nizalise nayiphi capitalisation.
2. amazinga okugqitywa kwezifundo ukuzivumelanisa le mali kwi-akhawunti (ukuba uvunyelwe imiqathango yesivumelwano kunye neziko-mali).
3. Tshintsha ubungakanani ekukhutshweni kwemali Izinga Central Bank.

Kwiimeko ezinjalo, iidiphozithi irhafu (okanye uphelele) iqala ngqo emva ngokulungelanisa imeko-bid zabo. Isixa utsalo, yena, iyahluka ngotshintsho base. Kwimeko yokuphelisa yokuqala kwimvumelwano yedipozithi kunye nokudluliselwa kwemali kudidi "on ukufuna" kunye ubungakanani yehlise le umdla yentlawulo khomiwa yerhafu wayeka. Ithunyelwe ku ibhajethi zingabuyiswa ngokwesicelo umthengi waza wathunyelwa yakhe akhawunti ekuhloleni.

Ingakumbi notsalo inzuzo lwamashishini

Nceda qaphela ukuba imibutho iminikelo yorhafiso eqhutywa ngaphandle kubemi le iidiphozithi. Inzuzo ukuba iinkampani bafumana xa imali akhawunti kwiziko zemali, ibhekisela udidi ingeniso evela kwimisebenzi non-intengiso, ngokuxhomekeke kuzo amabango imo enikwa le nkampani: a lula okanye jikelele.

Taxation yenzala kwiidipozithi

Amatyala ezilula zithathwa iintlawulo ngaphandle capitalisation ekupheleni kwale mvumelwano. Noko ke, ubhaliso needipozithi zexeshana eyenziwe imeko sokuhlawula kwenzala qho ngekota okanye nyanga zonke. Kule meko, iziko zemali ubamba irhafu yengeniso ngokungqinelana nale Shedyuli. Ngenxa yoko, urhafiso inzala iidipozithi ezenziwe ngesingqi esifana isigxina wabo. Ngake xaka olukhulu belusenziwa yerhafu yengeniso kokutsalwa lobuqu zophuculo (ukusetyenziswa kwe compound interest), okanye ubukho wemvula kuloo dipozithi yakho. Kwiimeko ezinjalo:

• Ngokwandisa ubukhulu yedipozithi ixesha ngalinye ukutshintsha ixabiso isiseko serhafu kunye nemali kweentlawulo imbopheleleko le mali.
• Ukuba enikiweyo amazinga kwezidalwa ngokungqinelana ubungakanani mali kwi-akhawunti, esebenza umthetho ethile. It sikuko into yokuba, xa ngomhla lwamaxabiso yaba ngaphantsi umlinganiselo mboleko dibanisa 10 p. P. Kuba iidipozithi e lwemali kazwelonke, okanye ngaphantsi kwe-9% kunokongiwa imali yelinye ilizwe, iintlawulo kwi-mali ayenziwa. Ukuba umxhamli esongezelelwe esisixa wongezwa umyinge wenzala kunye, ukufukuka, iye yaba elingana nexabiso, emva koko ingeniso kuxhuzulwa irhafu, le nkampani zebhanki kufuneka ukuba agcine umhadi kuba ixesha apho waqalisa ukusebenza ngendlela ukwanda.

deposit ukupheliswa

Xa ukupheliswa yokuqala imiqathango yesivumelwano kunye amazinga ngamazinga nokuphungulwa (njenge ngenxa needipozithi imfuno yona ayikho ngaphezulu kwe-1%) kwanokuba ngaphambili Irhafu yengeniso umdla yabonelelwa NGOBUCHULE akayi kuhlawuliswa. Ukuba ngomhla ngokunqunyanyiswa kwesivumelwano ehlawulwa ngaphambili, uye sele bagxothwa, umthengi unako ukubuyela kwi isicelo sakho esibhaliweyo. Xa unzima inzala kufuneka ithathele ingqalelo utshintsho ukufumene yi-Central Bank izinga ekukhutshweni kwemali (kwicala ngokunciphisa kunye nokwandisa). Nokuqokelelwa khomiwa irhafu yengeniso okanye kokupheliswa ngaphandle bayithwala ukususela kumhla uhlengahlengiso lweerhafu esemthethweni. Ukongeza, kufuneka kukhunjulwe, kunye needipozithi zeemali ezikhuphekayo xa amatye anqabileyo. Kulo mzekelo, ngokuxhomekeke ngokuhlahliswa yonke ingeniso, kodwa izinga irhafu yengeniso lobuqu iidipozithi ezinjalo - 13%.

isiphelo

Urhafiso iminikelo engamelanga ithathwe njenge njenge inkalo elibi lomsebenzi mali abantu emzimbeni. Kufuneka kuchaphazela ezikhethiweyo mbutho apho akhawunti ivulwe. Njengoko yokusebenza ibonisa, nangona ukurhafa ukucutha ubuninzi enokubakho bengeniso ngabanye, idiphozithi ihlala namhlanje yenye yeendlela ezininzi enomtsalane nethembekileyo utyalo-mali.