Mu 2021, okhala ku Russia adzayamba kulipira misonkho yatsopano kuchokera ku mabanki. Momwe msonkho udzawerengedwa, ndi kuchuluka kwa zomwe muyenera kulipiridwa, ndipo ndizotheka kupeza kuchotsera - zambiri muzomwezo.
Malinga ndi malamulo akale, ndiye kuti, msonkho usanachitike Januware 1, 2021, msonkho wa madongosolo umangopita ku Horeucain Pokhapokha ngati chiwongola dzanja chopitilira muyeso cha Central Bank (CB) kuphatikiza 5 peresenti. Misonkho ya 35% idalipira ndendende kuchokera mopitilira izi. Ndi icho, ngati munthu siwokhala, ndiye kuti, amalipira misonkho kudziko lina, ndalamayo inali 30% yokha. Dziwani kuti wokhalamo akhoza kuonedwa kuti ndi amene anali ku Russia masiku 183 m'miyezi 12 Kenako.
Komabe, ndi zoperekazo, misonkho sizingachite, monga momwe ziliri ku Central Bank of 4.25%, maziko amsonkho amayamba ndi 9.25% ndi apamwamba. Tsopano Banks siwosangalatsa kwambiri pazinthu zomwe sizingaperekenso, chifukwa chake eni misonkho a madongosolo sanalandire.
Kodi chidzasintha chiyani?Betilo linasinthidwa, lomwe limawerengera maziko a msonkho. Tsopano zidzakhala chimodzimodzi kwa anthu omwe amadziwika ndi okhala, komanso kwa iwo omwe alibe mawonekedwe. Izi ndi 13% NDFL. Nthawi yomweyo, lamulo "kuphatikiza 5" silikugwiritsidwanso ntchito.
Kuti mupeze chidwi chokhacho chifukwa chosunga ndalama, boma lawerengetsa ndalama zambiri, zomwe zimawerengedwa motere: kuchuluka kwa banki yayikulu pa Januware 1 imachulukitsidwa ndi kuchuluka kwa ma ruble 1 miliyoni. Ngati kuchuluka kwa gawo ndi ndere za ma ruble 1 miliyoni, kapena zochepa, msonkho sikofunikira.
Chitsanzo cha kuwerengera: Pa Januware 1, 2021, chofunikira ndi 4.25% pachaka. Zikutanthauza kuti msonkho udzalipidwa kuchokera ku zoperekazo, zomwe zimaposa ma ruble 1 miliyoni 42.5.
Tiyerekeze kuti muli ndi 1.1 miliyoni muakaunti yanu, zimatanthawuza maziko a msonkho - 13% ya ndalama zomwe mumachokera ku ma ruble 57.5. Ngati kuchuluka kwa zopereka zanu ndi 5% pachaka, ndiye kuti msonkho womwe mumalipira adzakhala 373 ma rubles 75 kopecks (13% ya ndalama za 2000,5 zikwi, zomwe mumathandizira 5%).
Ndikofunika kukumbukira kuti ngati ndalama zandalama zimapereka ndi chiwongola dzanja pamwamba pa mitengo yofunikira ya Central Bank, ndalama zomwe zili pamasidi omwe siakuluwa.
Mu Service Service Service (FTS), zimadziwika kuti msonkho pachotsa uyenera kulipira pawokha, koma chilengezo sichiri chofunikira. Izi zitenga banki pomwe zoperekazo zimapangidwa. Ngati ikupezeka kuti ndalama zidapitilira maziko osakhazikika, ndiye kuti msonkho uzizindikira.
Dziwani kuti chaka chamawa, malamulo atsopano sapereka misonkho, monga momwe amalipirira chaka chatha. Ndiye kuti, chifukwa cha 2021 tidzalipira kokha mu 2022 kokha.