Royal road reserve of savings property accumulation savings and is

From allowance formation property saving will be utilized with deposit through deduction from monthly pay

As for salary deposit through deduction from monthly pay kingcraft of saving

Unlike the individual proprietor and the free trader, many workers receive the allowance of every month almost one fixed amount, among those take the balance of saving and consuming and live.From among such property is formed piece by piece, it is most secure to utilize advance deduction saving and automatic transfer saving from allowance.

If you mention representation of allowance advance deduction saving, “intra-company deposit” and “worker building-up of personal financial assets saving” (you call below “formation property saving”) probably will be.In regrettable thing, recently it seems that the company that increases it is not the intra-company deposit system, but n/a

It is saving where formation property saving where the worker can join in addition to being reliable saving of the time not needing, advance deduction from allowance and bonus, is favorable treatment and various financing systems in the tax aspect and is superior.However, if enterprise ahead working has not introduced this system, it is not possible to join.

Ahead saving and because the operational commodity is limited to the financial institution and the operational financial products which enterprise has made a contract, before joining, it is necessary to verify the contents of formation property saving.

Mechanism feature of formation property saving

savings and asset-building is, 1971was established on the basis of the act for the promotion of workers’ property ownership was established in the year workers’ property accumulation savings stands for, next72years1was launched in may monthly from the wages or with the cooperation of the employer for workers, savings done by every bonus deduction on a regular basis (=employer to act for the payment) is that of.

and workers’ here refers to, regardless of the type of occupation, person employed by the employer refers to, employees of private companies, public service is the subject. of course, temporary staff and part-time employment is expected to continue, you can also participate in part-time job. company executives and the self-employed, free trader such as can not join because it is not the employer.

to employees’ savings scheme is, general asset-building savings, property accumulation pension savings, of property accumulation housing savings3there is a kind. also, by financial institutions and financial products to which deposit, savings-type and insurance type can be broadly divided into.

• savings-type: deal with banks and securities companies, etc.. investment trusts and savings bond, accumulate investment trusts, etc.
• insurance type: handled by insurance companies. accumulate in the insurance product

savings-type case of, payoff (principal1and its interest to protect the ten million yen) care must be taken to. if you have a personal financial assets of financial institutions to asset-building savings deposits, balance will be combined. let’s check the balance on a regular basis.

interest and taxes of property accumulation savings will be if?

the difference between savings and asset-building savings and pension savings and asset-building housing the general asset-building, tax will appear in the surface. the interest and dividend to general principles of financial products20%of separate withholding tax will be applied. in the same general asset-building savings, 20%separate withholding tax is the handling of.

however, property accumulation housing savings for pension savings and asset-building is, the total principal and interest550million yen (the case of property accumulation pension savings, insurance premiums for property and casualty insurance and life insurance, such as mutual aid mutual aid premiums for the life of the principal385million yen) interest, etc. will be treated as tax-exempt up to.

but, if each haraidasu for purposes other than savings is taxed. savings-type the past5against the interest of the year20%separate withholding tax of, insurance type the full amount of interest accumulated from the start will be treated as temporary income.

description of the loan system is available in the asset-building savings on the next page

be received in the use of asset-building savings loan

hey~, soon home that, do you want to think seriously……

if you did asset-building savings, you can get a loan, etc. during the renovation and construction education and housing purchase. there are no related to the type of asset-building savings and loan types. you will receive educational loan even though the property accumulation housing savings made.

the way, loan interest rate of home ownership is asset-building1.52% (heisei23years4month1from the date of) . sumikin flat goods35interest rate is2.28%~3.58% (however, the initial10year years1.0%rate cut heisei23years4month1from the date of) is. also, interest rate education loan asset-building is2.07% (heisei23years4month1from the date of) . education loan interest rates of certain incidentally megabank6.475% (fixing heisei23years5month28the date of) is.

owner-occupied housing loan asset-building
the asset-building savings1continues more than a year, savings balance50workers are more than ten thousand yen, you can get a loan under the following conditions:.

• the loan amount : asset-building savings balance×10double and4,000smaller amount of one of the ten thousand yen
• interest rates : 5year fixed
• redemption period : the longest35year

still, when borrowing is, repayment amount for the income tax year of all (residential mortgage loans and education loans, including owner-occupied property accumulation, the total amount of credit card repayment other caching) must be cleared the following criteria: the percentage of.

• annual income400less than ten thousand yen 30%below
• annual income400more than ten thousand yen 35%below

education loan asset-building
the funds necessary for that person or a family member to receive education (examination fee, enrollment fee, tuition, textbooks, the expenses necessary for the initial admission, such as initial cost, such as boarding) you will receive financing of.

• loan amount : balance of asset-building savings5within a factor of (10more than ten thousand yen450up to ten thousand yen)
• interest rates : fixing
• redemption period : 10years. the principal4year can be deferred.

still, employment and human resources development organization of independent administrative corporations are doing the lending operations of these, heisei23years4month27day legislation to abolish the employment and human resources development organization of independent administrative institution the same year by the promulgation of10month1will be discontinued as of sun. lending operations along with it, will change as follows:.

• owner-occupied housing loan asset-building business survival mechanism, transferred to the workers’ retirement allowance mutual aid incorporated administrative agency
• education loan asset-building business abolition

financial institutions handling of asset-building savings

asset-building savings is savings made through employer payroll deductions. workers will be savings in the financial products of financial institutions and therefore the employer has contracted. applicable interest rate will be different limits and savings by financial institutions and financial products, confirmation of the contents is essential before you start the savings.

financial institutions are dealing is, post bank, city bank, regional bank, long-term credit banks, trust bank, chiginkyo second regional banks, credit union, credit union, labor, federation of agricultural cooperatives shadow (JA) , federation of fisheries cooperative shadow, securities company, life insurance company, casualty insurance company, norinchukin bank, shoko chukin bank etc..

was found in more than basic. pension savings for each asset-building savings and asset-building savings and asset-building general education

• consider the benefits of general employees’ savings scheme
• asset-building savings and property accumulation housing savings pension is tax-free deals

allow me to explain in.

housing and property accumulation savings terminate the pension at that time, tax
surprisingly do not know? perspective of payslips
what salary%if you turn into a good savings?
accumulate! automatic bank reserve, take advantage of law
regular use of net art deposits
this bank tsukaiwakeru!

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