Brew 11 years, the individual revenue that gets attention fully is given delay model commercial endowment insurance is pilot, eventually be born. Today, net of official of Ministry of finance releases " delay about beginning individual taxation to give model the announcement with commercial pilot endowment insurance " , announce to rose on May 1 from this year, in Shanghai, Fujian Province (the retail sales that contain mansion) with area of Suzhou industry garden executive individual taxation is given delay model commercial endowment insurance is pilot. Pilot time is provisional a year.
Regulation of Ministry of finance, be in pilot area, the individual buys the defray of the product of commercial endowment insurance that accords with a regulation through account of capital of individual business provide for the aged, allow to be deducted before the duty inside certain level; Plan the yield that enters account of capital of individual business provide for the aged, of short duration does not impose individual income tax; The individual imposes individual income tax again when annuities of the commerce that get.
To the individual character, the standard is being deducted before individual capture expends duty is that month of income of pay of pay pay, successional service 6% or 1000 yuan, by what small measure decides. Same, individual and industrial and commercial door, the individual is solely invested company investor, also be according to answer in those days of tax income 6% or 12000 yuan, according to what small measure decides. Jin Ye explains vise general manager of branch of Chinese birthday Shanghai: "Namely from that month among pay according to 6% spend as the forehead, highest do not exceed 1000, as you this tax-exempt specified amount is spent. Until you get old-age pension, still should pay tax. Still should pay tax..
Should reach emeritus age, the citizen can press a month or press annuities of year of the commerce that get, in principle of the deadline that get is lifelong or not less than 15 years. The individual die, total damage that produces insurance contract agreement or meet with contract major disease, can annuities of the one-time commerce that get. At the appointed time, the 25% parts in commercial pension income give duty-free, the others 75% parts pay tax according to the tax rate of 10% , by insurance company era deducts acting pay.
"Future still has call commercial endowment insurance account, account of our commercial annuities insurance serves as future give the special account that extends a place difficult of access of provide for the aged, our everybody the Id number according to oneself, next you accord with bought qualification, can establish account of endowment insurance of a business technically to you. " Jin Ye tells a reporter.
Does duty extend endowment insurance after all can favourable how many taxation? Cite a case, assume 40 one full year of life begin pay, if progressive taxation is led for 45% , lunar capture insurance cost is 1000 yuan, duty of every months of section 450 yuan. If will delay 450 yuan of duty to be used at investing conduct financial transactions, if press year change the market yield of 5% , one hundred and eighty-two thousand six hundred yuan can be taken when 60 one full year of life reaching below good case. And after 60 one full year of life can get commercial insurance pension every months 1050.13 yuan, need 78.76 yuan to hand in ＝ of ％ of *10 of duty 1050*75 ％ , if the client gets deadline to be 15 years, if taxation of these 15 years takes investment economy likewise, criterion tot 10 thousand yuan. Both balance is buckled, in all section Die 172579.15 yuan.
Xia Mingyan of assistant of general manager of center of career of provide for the aged of health of Pacific Ocean insurance expresses: "In taxation current, in our young period, the scot relative to us is a few taller. And after entering old age when us, our scot will be corresponding a few lower, pass such taxation give delay, the common people that can let us has greater desire to do the reserve of individual annuities to plan. The common people that can let us has greater desire to do the reserve of individual annuities to plan..
As we have learned, product of individual business endowment insurance will with dovish model the product is given priority to. The individual buys the product of commercial endowment insurance that accords with a regulation, enjoy give when extending pay taxes privilege, will believe platform to issue duty to delay provide for the aged to deduct a proof by middleman and guarantor, as the credential that deduct tax.
Inside course of study the pace is calculated first, lend force duty actor policy, the enthusiasm of insurance cost of pay of pilot can direct exciting individual, thereby the demand of insurance cost increment with huge market of danger of provide for the aged of prize home business. Did not come 5 years, the insurance cost dimensions of danger of commercial provide for the aged will exceed 3 trillion yuan, hopeful becomes the source of the biggest increment of insurance market.
