In 2014, Alexander Lukashenko signed Decree No. 493 "On the Development of Non-cash settlements". His goal is to increase the share of non-cash payments by individuals. One of the items is a partial cancellation of the income tax on the cachex. In 2017, the Decree was extended until January 1, 2021. And so far - silence, which is disturbing the banks.
In the National Bank, Onliner was told that the non-cash system still needs to be stimulated growth, therefore the draft decree, where, among other things, the benefits for the taxable of Kesbek are prescribed, is in the government. The exact time of signing is unknown - everyone is waiting. Banks seem to be believe that they will have time for January 1, and prepare their customers to new conditions. Namely: from January 1, 2021 (if Decree No. 493 will not be extended) from the entire amount of the accrued Kesbek (with the submission of the National Bank, banks use the term "Manibek", but in this case it does not change the essence) income tax 13%.
- As of this day, the beneficiation of Kesbek accrual to 2% is canceled, "said Onliner in one of the commercial banks. - So far, the participant / customer / recipient of the service pays 100 rubles, with 1% cacheke, 1 ruble is returned to it. In principle did not pay. Now you will have to pay 13% from this amount.
If your cachek is more than 2%, then the income (according to the rules current now) is paid with the amount that 2% exceeds.
- You paid 100 rubles, and if Keshbek, for example, 10%, then you "accrued" 10 rubles. Next, the Bank's policy depends on: he either took the income from 10 rubles and paid 8.7 rubles to the client, or took these expenses on himself, stating the client that he will receive 10% on his hands (in fact, accrual 11.3%, paying from this The amounts of 13%, and the client received 10).
Specify detailed conditions in your bank.
Even if the norm is changed and there will be a cancellation of benefits, in 99% of cases, the Bank is a tax agent and all calculations will be engaged in himself. The client does not have to go to tax.
Now there are several options for developing events:
1. Power has time to extend the state of the decree until January 1. 2. The government does not have time, but keeps the benefit of the rear date - then the question is what to do in the period. 3. The decree is not prolonged - we begin to get used to the new rules.
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