Suzhou Provident Fund withdrawalThere were many ways to withdraw the Suzhou Provident Fund:
* * 1. Common extraction types and methods **
1. * * Withdraw from purchase **
- When an employee purchases a self-occupied house, he, his spouse, and his immediate family members with the same household register can withdraw the housing accumulation fund. Each purchase of a house can only be withdrawn once from the accumulation fund. The withdrawal amount shall be based on the principle of "equal withdrawal (use)", which shall not exceed the total price of the house or the total price actually paid. When withdrawing, you need to bring the house purchase contract, ID card and other materials to the Suzhou housing accumulation fund management center to apply. After the review meets the requirements, the withdrawal balance will be transferred to the associated bank card.
2. * * Withdrawing rental commission **
- Requires the depository to continuously pay the housing accumulation fund in full in the city for three months, and the depository and spouse do not have their own house or rented house for self-occupation in the place of work (within the scope of Suzhou). You can search for "Provident Fund" through AliPay, click "Renting House Withdraw", enter the information (including your own and family members 'information) according to the prompt to submit the application, and it will arrive in a few minutes at the earliest; You can also apply through the "Suzhou Provident Fund" App. New citizens (not registered in the city) and young people (under 40 years old) do not need to provide a lease contract. In other cases, a lease contract is required.
3. * * Repayment Entrustment Withdrawing **
- It can be used to repay the principal and interest of the housing accumulation fund loan within the scope of Suzhou, the principal and interest of the housing accumulation fund and commercial combination loan, and the principal and interest of the commercial housing loan issued by the commercial bank signed with the Suzhou housing accumulation fund management center. I, my spouse, and the immediate family members of the same household register can sign a loan repayment commission withdrawal agreement.
4. * * Withdraw from the transfer of foreign household registration employees from the city **
- If the employee who had paid the deposit terminated or terminated the labor relationship with the unit, the personal account would be sealed first. After half a year of sealing, the foreign household registration employees who did not have normal employment in our city and did not continue to deposit in other places could go through the procedures of canceling the account and withdrawing it.
5. * * Withdraw from retirement account **
- After reaching the legal retirement age, after completing the retirement procedures and sealing the housing accumulation fund account, you can bring the relevant materials to the accumulation fund service hall to withdraw the full amount of the accumulation fund account. You can also use the "Suzhou accumulation fund app" channel and self-service in the "retirement withdrawal" in the "business processing".
6. * * Withdraw from flexible employment account **
- It can be processed through the "Suzhou Provident Fund" app or the "Su Zhou Zhou" app. You need to provide a normal bank card. You can withdraw it after you swipe your face and verify the mobile phone verification code reserved for the bank card in the flexible employment account withdrawal menu. There is no need to set a transaction password.
* * 2. Status of withdrawal limit **
1. * * When you can withdraw the full amount **
- Including those who purchase, build, renovate, or repair their own houses; Retired; Completely or partially lost their ability to work and terminated their labor relationship with the unit; Those who left the country to settle down; Repaying the principal and interest of the house purchase loan; Paying the rent of the rented self-occupied house; Those who have been identified by the competent department as the target of the minimum living security, the target of the minimum living security, and the target of the special hardship workers; Women over 40 years old, men over 50 years old laid-off and unemployed, and the housing accumulation fund account has been sealed for two years; Termination of labor relations with the unit, and the registered permanent residence is not in the city or the registered permanent residence has moved out of the city; other circumstances determined by the Provident Fund Management Committee.
2. * * Partial extraction possible **
- For the purchase of a new ordinary house, the withdrawal amount (if more than one person withdraws, the total amount shall be the same as below) shall not exceed the amount of the house purchase receipt provided.
- To purchase a house (second-hand house), the withdrawal amount must not exceed the total price of the house. The total price of the house refers to the house price agreed in the Contract for the Sales of Remaining Houses, the amount of the house sale (excluding the garage) in the Consolidated Real Estate Sales Receipt, and the tax amount in the deed tax payment receipt.
- For the purchase of relocation houses, the withdrawal amount shall not exceed the difference between the price of the relocation houses and the fixed sales houses and the compensation for the relocation.
The latest policy for the withdrawal of the Eados Provident FundThe Ordos Provident Fund withdrawal policy has the following latest adjustments:
1. Support the withdrawal of housing accumulation fund for "family life is particularly difficult due to major diseases". If the depository, spouse, children and parents of both husband and wife suffer from major diseases, causing family life to be particularly difficult, they can withdraw housing accumulation fund.
2. Support the withdrawal of housing accumulation fund for "family life is particularly difficult due to emergencies". If the depository, spouse, children and parents of both husband and wife suffer heavy losses of family property due to emergencies, resulting in family life being particularly difficult, they can withdraw housing accumulation fund.
3. Supporting the withdrawal of housing accumulation fund to pay the down payment for the purchase of houses. The depository, spouse, children and parents of both husband and wife can purchase new commercial housing in Ordos City (the real estate development enterprise has gone through the real estate admission procedures in the housing accumulation fund center of Ordos City), and the real estate development enterprise has signed the "Commercial House Registration Agreement" and "Real Estate Development Enterprise Letter of Promise". The housing accumulation fund can be withdrawn to pay the down payment for the purchase of houses.
4. Reduce the down payment ratio of housing accumulation fund loans. For those who use housing accumulation fund loans to purchase the first or second self-occupied houses in Ordos City, the down payment ratio shall not be less than 20%; for those who use housing accumulation fund loans to purchase affordable housing in Ordos City, the down payment ratio shall not be less than 15%.
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Royalty income, personal income taxRoyalty income personal income tax calculation method. According to the tax law of our country, the personal income tax rate for royalties or royalties is 20%, and the tax amount is reduced by 30%. The specific calculation method is as follows: Individual income tax to be paid each time = the amount of income tax to be paid ×20%× (1-30%). The amount of income that should be paid tax = the amount of income (4000)-800, and the amount of income (>4000) × (1-20%). As for the income from the author's remuneration, if the income does not exceed 4000 yuan each time, 800 yuan will be deducted from the expenses; if the income exceeds 4000 yuan, 20% of the expenses will be deducted, and the balance will be the amount of tax. Therefore, the personal income tax of royalty income was calculated based on the amount of income each time. The tax rate was 20%, and the tax amount was reduced by 30%. The specific calculation formula is: Individual income tax to be paid = amount of income tax to be paid x 20% x (1-30%).
Provident fund loan limit for husband and wife in Shen ZhenThe husband and wife of a couple in Shen Zhen applied for a common reserve fund loan. If the co-applicants participated in the calculation of the quota, the maximum amount of the common reserve fund loan for a single house was 900,000 yuan. However, under one of the following circumstances, the maximum amount of the accumulation fund loan can be increased by a certain percentage:
1. For those who used the Provident Fund loan to purchase their first home, the maximum amount of the Provident Fund loan could be increased by 20%;
2. If you use the accumulation fund loan to buy the first house, and the house you buy is a green building with a green building evaluation standard of two-star or above, the maximum amount of the accumulation fund loan can be increased by 30%;
3. Families with two or more children (at least one child is underage, the same below) who use the accumulation fund loan to buy the first house can increase the maximum amount of the accumulation fund loan by 30%;
4. Families with two or more children use the accumulation fund loan to purchase the first house, and the house purchased is a green building with a green building evaluation standard of two-star or above, the maximum amount of the accumulation fund loan can be increased by 40%.
5. If the applicants and the co-applicants who calculate the loanable amount have not withdrawn the accumulation fund for more than three consecutive years before applying for the accumulation fund loan, the loanable amount of the accumulation fund loan calculated according to the multiple of the housing accumulation fund account balance can be increased by 10%(that is, the eligible employee family accumulation fund loan can be increased from the original 900,000 yuan to 1.26 million yuan).
At the same time, the following conditions had to be met:
1. The monthly loan repayment amount calculated according to the loan amount (the principal and interest calculated according to the equal principal and interest repayment method) does not exceed 50% of the sum of the husband and wife's accumulation fund base;
2. It shall not be higher than the difference between the total purchase price and the down payment. The down payment ratio shall comply with the relevant requirements of the national, provincial and municipal real estate regulation and control; if the purchased house is a stock commodity house (second-hand house), the total purchase price shall be the lower of the contract price signed online and the evaluation price made by the real estate appraisal agency approved by the Provident Fund Center.
In addition, starting from September 18,2024, if the deposited employee purchases the first home to apply for a housing accumulation fund loan, the loan amount can be calculated by combining the rental withdrawal amount within one year with the account balance.
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10,000 yuan fund, a month's incomeThe income of the fund depended on many factors, such as the type of fund (net worth type, cash management type, fixed income type, etc.), market conditions, etc. Therefore, the monthly income of 10,000 yuan could not be directly determined.
For a net worth fund, the return is calculated based on the change in the fund's net worth. You need to know the net value of the fund when buying and selling to calculate the return. For example, if the net value of the fund was 1 when buying, and the shares were 10000 shares when buying 10000 yuan, the net value of the fund would become 1.05 after one month, then the income would be 10000×(1.05 - 1)=500 yuan.
The income distribution index of the cash financial management fund included "income per 10,000 shares" and "seven-day annual rate of return." The income per 10,000 units referred to the income that could be obtained for every 10,000 units of fund shares on the same day. The income for a month could be calculated according to the income per 10,000 units per day. The seven-day annual rate of return referred to the annual rate of return converted from the net income per 10,000 units of fund shares in the past seven days. This data could only be used as a rough reference.
Theoretically, fixed-income funds were settled according to the agreed rate of return. The return = purchase amount x agreed annual rate of return x number of days of interest/365. However, there were no fund products that guaranteed principal and interest on the market at present.
In addition, the investment process of the fund also involved a variety of fees (such as manager fees, guardian fees, etc.), which would affect the final income and also needed to be considered when calculating the income.
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Individual income tax anti-tax evasion caseThe following conclusion: The search results currently provided do not specifically list detailed information on individual income tax anti-tax evasion cases. Therefore, no specific case could be provided.
Royalty refers to the author's pre-tax income, after-tax income, or other things.Royalty was usually calculated based on the number of words, the price, and the royalty ratio. Royalty was usually calculated by multiplying the word count of the work by the price and then multiplying by the royalty ratio.
However, in the real world, it could be affected by many factors, such as the sales volume of the work, advertising, copyright transfer, etc. Therefore, it might be different due to various factors.
In addition, it was important to note that royalties were not after-tax income. After paying taxes, the necessary taxes would be deducted to obtain the remaining income. Therefore, it was easier to pay taxes correctly.
What are the top stories in income tax?One top story could be changes in tax brackets. For example, if the government decides to adjust the income levels for different tax rates, it can have a big impact on taxpayers. High - income earners might see an increase in their tax liability if the top bracket is lowered or the rate for it is raised.
3 answers
2024-12-04 00:05
How to pay personal income tax on the income of short story auctionsThe income from the short story auction was considered to be income from the transfer of property, and it was subject to personal income tax. To be specific, the amount of personal income tax that should be paid depends on the specific form of the auction income and the applicable tax rate.
If the short story auction income was sold through the auction company, then the applicable tax rate needed to be determined first. Under normal circumstances, the comprehensive tax rate applicable in our country is 45%.
If the income from the short story auction was auctioned through the auction platform, then it would be subject to personal income tax of 20% according to the applicable tax rate of "accidental income".
In addition, if the author of the short story is also the copyright owner of the short story, the copyright and personal rights belong to the author, but the copyright and property rights, including adaptation, translation, annotation, adaptation rights, etc., can be transferred. If the author of a short story transferred the copyright property rights to others through auction, he would have to pay personal income tax at 20% of the "income from property transfer".
It should be noted that if the short story auction income obtained by the short story author does not meet the above requirements, such as through illegal means or without legal copyright, personal income tax may be paid according to other applicable tax rates.
The income from the auction of short stories required personal income tax. The specific calculation method and applicable tax rate needed to be determined according to the specific situation.
Individual income tax can be deducted by 70% of the amount of income that should be paid.Individual income tax can be deducted by 70% of the amount of income that an individual obtains from the remuneration. This refers to the individual income tax that an individual obtains from literary creation, music, art creation and other activities. When paying individual income tax, 70% of the actual tax paid can be deducted.
For example, if an author's remuneration income is 1 million yuan and 70% of the actual tax paid is deducted according to the regulations, the amount of personal income tax that should be paid is:
- The actual tax paid = 1 million yuan x 3%(levy rate) = 30,000 yuan
- Deducted tax income = 1 million yuan × 70% × 3% = 730,000 yuan
- Individual income tax to be paid = 30,000 yuan +730,000 yuan = 1 million yuan
Therefore, the final amount of personal income tax that the author had to pay was 1 million yuan instead of 1 million yuan x 20%(levy rate). This was because after deducting the amount of tax, the personal income tax that the individual should pay for the remuneration income had been reduced.