consider the benefits of general employees’ savings scheme

As for formation property saving allowance advance deduction

Demolishing formation property, probably will go to travelling the kana n/a which.

It is the welfare system which as for formation property saving you called to proper form “worker building-up of personal financial assets saving”, was made on the basis of “worker building-up of personal financial assets promotion method”.It can utilize “the worker” of the office where this system is introduced just.The worker referred to here, with the office worker, the government employee and the crew etc who are employed, continuing, the part timer and the part-time job where employment is anticipated, also the dispatch employee becomes the object.

It deducts periodically from allowance and the bonus and, there are 3 types of general formation property saving formation property residential saving formation property annuity saving in formation property saving which is accumulated, utilization important matter differs respectively.This time, general formation property saving is picked up.

Feature of general formation property saving

As for general formation property saving, it is saving the allowance advance deduction which can make the part drawer and the cancellation etc which do not question the purpose of reserving free.Because degree of freedom is high, there is no incentive on the tax system like formation property annuity saving and formation property residential saving.As for important matter of general formation property saving

• Joining age There is no restriction
• Purpose for funds Freedom
• Reserving period 3 years or more
• Contract It can make a contract with the plural financial institutions
• Upper limit of reserving amount It is not
• Tax 20% separated taxation

Is.

The point of caution when it utilizes is as mentioned below.

• Due-out within 1 years is not possible
• Formation property annuity and it is possible to jointly use with the formation property residence
• 3if you have held for more than a year, change can be entrusted to other financial institutions, place of employment has specified
• if you are changing jobs, after retirement2if you take a continuation procedure within a year, be able to continue to fund in the destination tenshoku.

investment products and financial institutions handling

financial institutions are dealing with the general asset-building savings, bank (postal savings trusts and two local, urban and rural areas die) , credit union, labor, cooperative credit, norinchukin bank, shokochukin, agricultural cooperative, life insurance company, property and casualty insurance company, etc..

investment products are, savings, money in trust, loan trust, bonds and debentures, financial bonds, equity investment trust, life insurance, property and casualty insurance, mutual life, etc..

benefits that1 (favorable interest rates)

general asset-building savings, from deposit1year does not withdraw, this item is then highly liquid savings that can be some withdrawal at any time. the bank which is equivalent to savings, general property accumulation savings, such as a slightly higher interest rate and date designated periodic super regular has been applied. chitin in payroll deductions and tamari, and withdraw the amount you need when you need, be operated at favorable interest rates, product design has become happy.

benefits that2 (reward)

as savings incentives asset-building benefits (fund) system there is a reward that. but, that there is this system just because there is a system does not necessarily asset-building. you need to check the company work rules and labor agreements have created.

· based on the agreement of employers and workers property accumulation benefit provision to formulate
obtain the approval of the minister of health, labour and welfare
employer-worker is doing asset-building savings1person per year10to contribute to a maximum of ten thousand yen
· contributions to operational handling agency contract
-7asset-building benefits to be paid as the total amount of principal and interest of workers’ contributions every year after

lucky! of company, even not available benefit system.

· to establish a fund asset-building with the permission of the minister of health, labour and welfare
– contract workers’ property accumulation fund period and tie handling a
worker-employer to perform asset-building savings1per capita10to contribute to a maximum of ten thousand yen
· contributions to fund operational
-7be paid as the amount of the total maturity benefit fund contributions to principal and interest every year after

handling agency, trust bank, life insurance company, federation of agricultural cooperatives, casualty insurance company, securities investment trust company.

workers will have an asset-building savings7receive benefits every year, the temporary income is taxed as, temporary income 50tax-free up to ten thousand yen, it is in excess of that1/2taxation to there are tax incentives that. if you receive the same amount as wages are temporarily, it is taxed as salary income, can say to be received fairly favorable tax treatment.

benefits that3 (low-interest loan)

you can get a loan asset-building education and home ownership loan asset-building. asset-building savings loan amount is determined by the balance, interest rates are fairly low. incidentally heisei22years4month1applicable interest rate of the day
loans and home ownership 1.43% (5year fixed-rate)
education financing and 1.98% (fixed interest rate)
is.

merit2, 3there are also other benefits of asset-building savings.

general asset-building savings, 2007years3take advantage of asset-building benefit system has been abolished in may, it is said there is no benefit savings too. but, in time of need while making the money prudently species is immediately draw, i think of savings as there is a surprising advantage…….

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