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* Formation property annuity saving
* Formation property residential saving
* Formation property saving will well be combined
Interest of deposits and savings is 20% separate withholding taxation generally, but formation property annuity saving and formation property residential saving are to be exemption.Residential fund and the reserve for old age which are big goal of saving the life.Because it is something which is saved at long term, you can call exemption the highest gift.
Because there is a important matter at the time of utilization, first check!
Removing, when it becomes taxation treatment, it cries it cannot cry.
* Formation property annuity saving
With saving which designates the financial making in old age as purpose, it receives after 60 years old as annuity.Summing up with formation property residential saving, becomes exemption to 5,500,000 Yen.
basic important matter
Age important matter: At the time of the conclusion of a contract it is under 55 years old
Reserving period: 5 years or more
Discontinuance of reserving: Only 2 years discontinuance possibility
Drawer: It receives full after 60 years old and as annuity of 5 year or more.
Grace period: From reserving expiration date to annuity payment start within 5 years.
Ahead depositing: 1 human 1 contracts
exemption
From at the time of reserving period start capital 3,850,000 Yen) to it is exemption after the retiring via annuity payment period, 5,500,000 Yen in amount with interest added (postal savings, concerning life insurance or property and casualty insurance the premium and the mutual aid latch etc of life mutual aid.
if you subscribe to both the pension asset-building savings and property accumulation housing savings is, total550up to ten thousand yen care must be taken because it is tax-free treatment is.
savings-type if the, amount exceeds the credit limit has been declared reserve, the interest generated in subsequent20%will be taxed is. continuation is possible, however.
also, if the amount of tax-exempt fund has exceeded the limit due to changes in interest rates during the grace period is, occur at that point withdraw the entire amount tax-free interest you can.
insurance type case of, total insurance premiums paid385and the extent of ten thousand yen, system that has to be paid and this can not be over.
in parallel with the property accumulation pension savings, savings in property accumulation residence165million yen (=550million yen?385million yen) it is also possible to put aside. that way, tax-exempt full frame550ten thousand yen to take advantage of, can be prepared at the same time the cost of the renovation such as pension and retirement.
savings target
is similar to the general asset-building savings.
continuation of measures if i changed jobs
after tenshoku1if moshidere through the employer within a year job to the destination, can be sorted and transferred to the target property accumulation pension savings tenshoku.
property accumulation housing savings
purchase or new construction housing, savings is to make money, such as renovation. 550tax-free treatment up to ten thousand yen is.
if you are doing at the same time the property accumulation pension savings are, the total550up to ten thousand yen will be tax-exempt.
insurance type if the, you may have a function as insurance products (for example, advanced case of failure death in the disaster, amount equivalent to several times the premium paid will be paid) .
basic requirement
age requirements: at the time of concluding a contract55under the age of be
reserve period: 5years. but, if you want to get housing to meet the conditions, 5may be less than a year.
interruption of the reserve: 2can be suspended as long as a year
destination deposit: 1people1contract
savings target
is similar to the general asset-building savings.
continuation of measures if i changed jobs
after tenshoku1if moshidere through the employer within a year job to the destination, can be sorted and transferred to the target property accumulation housing savings tenshoku.
well the employees’ savings scheme will kumiawaseyo
as a case to take full advantage of asset-building savings is,
20generation~30in die general asset-building savings in marriage and self-innovation, childcare costs savings
30generation~40in their thirties property accumulation housing savings down payment made using
40from the die property accumulation pension savings of old age pension is to make private
general will is.
now it has become in late season start receiving public pension, for several years after retirement, private pension bridging was the need to prepare the growing. in this sense also, property accumulation pension savings tax benefits also continues at the stage of pensioners is, can say and can not be removed on creating life savings plan for retirement.
some companies, however your place of employment, there is also a general property accumulation savings that only employees’ savings scheme has been introduced. what companies have introduced asset-building savings is what your place of employment, be sure that the first financial products, such as the contents of financial institutions and operational agreement also.
on it, on the tax benefits and financing, assumes the use of such benefits, to fit your own life plan3a combination of types of asset-building savings, let’s take advantage.
Incoming search terms:
- property accumulation pension insurance insurance asset-building (1)
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