The mutero pamusoro deposits evanhu: zvinofanira pakuverenga pauwandu hweavo

Vazhinji mipiro havafungi pamusoro mutero pamusoro deposits evanhu. By nokuvhura rubatso, kuti nemhosva anotarisira kugamuchira mari dzaona nemhaka yavo rokuti dhipoziti mubereko prices. Uye kazhinji vanoshamiswa kwaari, kuti Purofiti kubhadhara mitero.

About kuripwa basa vasingazivi zvose

Kuzarura okubhengi, vanoita kazhinji vasina chifungidziro kuti pamwe mari (yechimbadzo dhipoziti) chichaitwa kubhadhara mitero inodiwa. Izvi imhaka zvikonzero zvinoverengeka:

• Banking Masangano pachavo yezvinoitwa kwemari Contributor, kubhadhara mitero. The chikuru basa vashandi kubhangi ndechokudzivisa kukwezva vatengi, saka ivo kashoma taura kuti vanhuwo depositors. Somugumisiro, mashoko investor anodzidza nezvokukosha kubhadhara mari yomutero deposits chete kana kuvharwa uye risiti mhindu.
• Vazhinji mari akaisa nevanhu harwuwire pasi mutero.

Zvakakosha kunzwisisa kuti zvose zveminda zviri kugamuchirwa munyika ino, vari pasi mitero. Income chichiwanikwa pamusoro deposits muchimiro dzakava mubereko - uyewo way Rinobva Contributor. Izvi muripo mari mukana kuti inopiwa nehurumende.

Tax mari - rinokudzwa chamakarairwa mugari. Kunyange zvakadaro, vakawanda vane makambani havazivi kuti mubereko pamusoro deposits, sezvo kungotarisa mari mutero.

Chii murayiro unoti

The kubhadhara mari yomutero deposits kuitika mumamiriro ezvinhu akawanda:

• kana iwe uvhure rubatso mu rubles uye chimbadzo 5% pamusoro refinancing mwero (muna 2016 ichi zvazvingava kuenzaniswa kiyi kuti 11%);
• kana iwe uvhure rubatso iri mari iri kudiwa kubhadhara mutero pamusoro deposits evanhu vachatitaka, kana pamusoro kwazvo mwero 9% pa annum.

simba yematemu

Kana dhipoziti nguva isingadariki makore matatu, paavhareji pokuita kufarira kuti akanyorwa chibvumirano dhipoziti. Vamwe mabhanga kupa zvinoyangarara mubereko rates, izvo zvinowedzera pasi zvimwe ezvinhu.

Zvakakosha kuziva kuti mutero iri pamahombekombe dhipoziti unofanira vanobhadharwa kuripwa dzakava mubereko uye kwete pakupera rokuti. Kuti, kana dhipoziti mamiriro zvinopa nokuda kwokuripirwa dzakava kufarira mumwe mwedzi, mutero vacharaswa hwakatamisirwa bhajeti ose zuva 30/31.

Bank mu Kakawanda kacho uri mutero mumiririri uye anotarisira uye inobhadhara kuti depositor ndokuchiisa mitero. Uyezve, zvichaita kuti vazviise mutero mishumo (Declaration mari). Naizvozvo, bhengi anogona kukumbira rubatsiro 3-gomba, izvo zvichava kubatsira kuwana mutero mari mune ramangwana.

Chii chakanaka kuti pakavanda anotsigira yake yakawanda rubatsiro kusingajekeswi. It chinyatsotsanangurwa chete uwandu mubereko akabhadhara, iyo rinobatanidzwa kukarukureta kwemitero uye kubhadhara pachavo.

Chii chingava zvinobvira

Nyore Mupiro kunosanganisira dzemaitirwe uye kuripwa mubereko pakupera rokuti pakati chesungano unodiwa. Apo mari yomutero deposits zvichabviswa dzaona uye kubhadharwa pakupera rokuti.

Heuno muenzaniso. The yeGmail.END_STRONG akaisa dhipoziti 500 zviuru. Rubles kwemwedzi mitanhatu. Mwero mupiro 21%. Nomupiro nyore, pasina capitalization, pasina mukana mipiro, mubereko mubhadharo pa kukura. We ngaaverenge uwandu mutero.

Dudzira, mutero achaiswa dzaona ane mwero:

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

mari iyi zvichakurukurwa deducted kubva chitsama mari kuti investor achagamuchira panguva kukura.

Cherechedza kuti dzemaitirwe chinoitwa pasi mitemo mitsva. Asi, maererano yekare, uyo kubva pakutanga 2016 vakatanga kushandisa zvakare. Muna 2014, mutemo rakazoshandiswa, iyo yakasimbiswa kuvandudza mari pamusoro deposits vasiri mutero. Aiita nokuwedzera refinancing mwero kubudikidza 10 kubva muzana pfungwa panzvimbo 5 kubva muzana pfungwa Kureva, mutero pamusoro deposits vari chete vanobhadharwa zvinopfuura 18.25% pa annum.

mutemo uyu aiva nechisimba mukupera 2014 kusvikira December 31, 2015

Tax pamahombekombe deposits dzimwe mari rinowanikwa panguva mwero kushanda musi kuripwa dzakava mubereko.

Mwero mubereko kungachinja pamusoro izwi iri dhipoziti. Zvadaro mutero haringapiwi kuzviuru chete kana mwero haana kupfuura 16% (11 + 5), kana mupiro mukati rubles, kana 9% pana mari dhipoziti.

A zvishoma zvakaoma kuverenga mutero pamusoro deposits evanhu, kana zvinopa kuti capitalization. Panewo nzira nokuda prices kuti kuvimba uwandu. Uyezve, mune imwe neimwe nguva achava hwaro pakuverenga mutero, nekuti Verengai mupiro zvichabviswa muchikwata kufarira.

Kana dhipoziti iri wakagumiswa nguva isati yakwana

Deposit chibvumirano anopa mangwanani kugumiswa, umo Kutendeuka chimbadzo nenzira kwayo rutapudzo, uye zviri kuoneka chaizvo. Ipapo chikwereti sangano recalculates chitsama mubereko yose rokuti the dhipoziti.

Maererano neizvi kwemari wakarasika, inova taxable. Uye pane kudikanwa kudzorera uwandu dzakava uye akabhadhara pachavo mari mutero. Art. 231 of Tax Code rinoratidza kuti taxpayer anogona kupora uwandu mutero overpaid neZvapupu hofisi mutero panzvimbo yokugara ine mashoko akanyorwa.

Chii chakakosha kuziva uye kunzwisisa

Kana dhipoziti akagadzirirwa kwemakore anosvika matatu, haugoni kutevera refinancing mwero (kureva, chinoita mwero) CBR. Zvakakosha chete panguva yacho kusaina rwomupiro chibvumirano. Kana zvose ezvinhu, imwe mutero pamusoro deposits havazofaniri kubhadhara mabhanga. Kusara pano ndiyo kukura mwero iri dhipoziti pachayo; vachava kubhadhara mutero chirango zvinopfuura pazvikumbaridzo izvozvo.

Kana investor anogadzirira rubatso zvinokosha nesimbi achaiswa kunonyorwa mari zvose kwakaitwa investor. Zvisinei, kuverenga vachaitwa pa mwero 13%.

Deposits iri mari Bank

Chimwe chezvinhu dzakakurumbira mabhanga munyika anopawo-siyana deposits. Vose vane unhu dzavo:

• Ya romupiro. Pane izwi deposits kwemwedzi mitatu. Pane nguva refu kusvika makore matatu.
• Kukura dhipoziti uwandu.
• Deposit mari (nhasi unogona kuita rubatso mune mari vatatu: Ruble, euro kana US dhora).
• Capitalization. The chimbadzo zvinoenderana kana pane capitalization.
• A mukana recharge.
• The zvinobvira mupiro kuzvidzora.

In mumari Bank depositors vane mukana kuvhura rubatso inokosha nesimbi, vane zvinotevera zvazvakanakira:

• mari pakutsvaga kukosha nesimbi izvi pamusoro pamusika;
• hapana mazai kuvhurika uye kugadzira nhoroondo;
• kwete vanofanira kubhadhara VAT;
• kumhanya basa - vanenge 10 maminitsi.

Ndiro chingaitwa nhasi - mumwe mari tsamba, hwaakange mwero iri 11.5% pa annum. Zvisinei, hazvina pasi inishuwarenzi zvairayirwa.

Chimwe chigadzirwa, izvo zvinofanira kuteerera - "Rambai", kuva 9,07%. Unogona kuzviudza makore matatu, asingagoveri replenishment.

Tingati: mitero iri deposits iri mari Bank kubhadhara kwete zvakakodzera. Rates kwavari haapfuuri bvumidzwa nemiganhu. Zvisinei, yeuka kuti izvi hairevi deposits zvinokosha simbi: riri kubhadharwa kubva yemari.

In Ukraine

Handizvo kare Ukraine akatanga sandara mutero pamusoro deposits, vaizoitwazve yapfuura, yaiva mberi.

Ndiani Mipiro mutero muUkraine ndiyo 15%, uye vaibhadhara makambani zvose, zvisinei chii. Kare, mwero aiva mberi, uye mutero, kana dhipoziti huwandu kwazvo zviuru 20. Hryvnia. Pamwe raiwedzera akakura uye mubereko (mari pamusoro deposits vanopfuura mamiriyoni 1 Hryvnia aifanira kubhadhara 25%).

Ungangove, izvi zvinoitwa kuti kudzivisa kusabatana mumari uwandu muzvikamu zviduku kuti kunzvenga.

Tax mumiriri, uyewo Russia, ndiyo mubhengi. Zvichava ngaaverenge uwandu mutero pamusoro depositors, kuita zvakakodzera anotamisa kusvika muchivigiro. Zviito izvi ndizvo kubhangi kuita panguva accrual uye kubhadhara mubereko. Nokuti pachivande dhipoziti sangano hariratidzi mutero Kuziviswa depositor data, ari dhipoziti mari, zviri dzakava kufarira.

Ona kuti zviitiko izvi hakumbokanganisi kadhi uye iyezvino nyaya, muhoro zvirongwa.

We vafunga

Ngationei kuronga huru zvakawanikwa ambotaurwa:

• Kufarira pamusoro deposits inofanira kusimbiswa kadhi sangano uye vari nezvaro kondirakiti. Depositor anosanangura bheji kunobva zvishuvo zvavo, mikana uye vaitaura pamusoro deposits.

• Refinancing zvazvingava anosarudza Central Bank of Russian Federation. It anosarudza kuti chimbadzo panguva iyo inopa zvikwereti rokutengesa mabhanga. Uyewo, zvinokanganisawo mitengo.
• The mutero pamusoro deposits evanhu yakatangwa hurumende. The Tax Code iroro zvinofanira kukarukureta. Huwandu mutero kuti vagari munyika rinowanikwa yakavakirwa 35%, vasiri vagari (vagari dzimwe nyika) kubhadhara 30%.

Pasi mitero thereunder haritorwi mipiro kuti vane panguva nemasaini kana kuwedzera chibvumirano mwero mubereko hakurevi kusapfuudza refinancing mwero Central Bank of Russian Federation + shanu kubva muzana pfungwa Zvisinei, pane chibvumirano kuti panguva rokuti accrual zvakaoma chitsama yechimbadzo dhipoziti rukasafashukira. Uye kana zuva kana interest pamusoro dhipoziti yakanga yakakwirira refinancing zvazvingava yakawedzera 5 kubva muzana pfungwa, zvakatora makore matatu.