Raising the tax collection point is really a good thing for many people, and their income has increased. However, not only the changes in wages, but also the tax collection points will rise, which may have a great impact on buying a house, buying a car and investing.
What is the impact of tax increase?
In terms of personal income tax rate, China implements seven levels of excessive progressive tax rate, and different taxable income ranges correspond to different tax rates, ranging from 3% to 45%.
The personal income tax exemption standard has been raised from 3,500 yuan to 5,000 yuan. Considering that the monthly taxable income and tax rate remain unchanged, the personal income tax in 45 yuan is (5000-3500)* 3%. People with a monthly tax income of 3,500-5,000 yuan have the biggest profits.
However, from different regions, the average wage level in the eastern region is significantly higher than that in the central and western regions and the northeast region, and the working level of middle and senior managers and professional and technical personnel is significantly higher than that of ordinary employees. Therefore, the increase of personal income tax exemption has a greater impact on the boundaries between low-income areas and personnel, and is insensitive to the impact of high-income groups. From the picture below, we can see which city has the greatest tax pressure.
In addition, due to the different payment of five insurances and one gold in different regions, we can see the influence of five insurances and one gold on the taxable income by comparing the same wage level in Beijing, Shanghai and Shenzhen (10000 yuan).
After the personal income tax collection point is raised, the after-tax income changes (calculated by income 1000 yuan).
After the threshold of personal income tax was raised, wages did not seem to increase as much as expected. However, the adjustment of personal income tax will also optimize the level of some tax rates. Specifically, the horizontal distance of 3%, 10% and 20% will be expanded, and the horizontal distance of 3% tax rate will be expanded, which is twice that of the current income tax rate of 10%. Significantly expand the tax rate range of 10%. The current tax rate is 20%, the current tax rate is 20%, and the current tax rate is 25%, which means that most office workers will benefit from this tax adjustment.
Matters needing attention in buying a house and buying a car by shaking the number
At present, due to the restrictions on the purchase of real estate in many cities, there are fewer restrictions on local registered buyers, but for foreign buyers, they generally need to pay taxes and social security certificates for a certain period of time. However, most of the restrictions on purchases in various places are to provide proof of social insurance and tax. If there is no tax, if there is a social insurance record, it will not affect the purchase, so the increase of tax collection points has little effect on the purchase. The price difference between new and second-hand houses in Nanjing is about 1.5 million yuan/_. According to the minimum apartment size of 86_, the lucky winner can earn at least 1.232 million yuan. If he can buy the largest apartment of 200_, he can make a room with a floating profit of more than 3 million.
The reason for buying a car is that some cities need to shake the number to buy a car, which has certain restrictions on household registration personnel outside the local area. Taking Beijing as an example, non-Beijing citizens have to pay personal income tax in this city for more than five years, so the tax payment will be interrupted after the personal collection point rises, which may affect the subsequent lottery to buy a car.
With the increase of tax exemption point, after-tax income may increase. However, for cities with purchase restriction policies, non-residents of this city may affect their right to purchase houses and cars because of the increase of tax exemption quota. There is no time frame for tax reform, which depends on the legislative process and social expectations, as soon as the second half of this year. However, if you have friends in need in these areas, your actions will be advanced. If you should prepare money, you must plan ahead.
The original intention of raising the tax collection point is to improve the consumption power of middle-income groups and expand domestic demand. If the tax collection point is slightly higher, you will pay less money and get more money. What should you do with the money? Buying things on Jinyingjia platform can not only make money, but also save a lot of money, and move towards the correct posture of high netizens.