Izvestia: the authorities want to receive 312 billion rubles from the tax on interest on deposits
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The authorities expect to receive 312 billion rubles over three years. from the tax on interest on deposits of Russians. About it write Izvestia with reference to materials for the draft budget for 2024–2026.
It is expected that in 2024 the budget will receive 101 billion rubles from the tax on interest on deposits, in 2025 – 104 billion rubles, and in 2026 – 107 billion rubles.
In 2021 and 2022 The government canceled the levy amid the crisis and sanctions, but this measure was not extended into 2023; Russians will have to pay tax on interest income this year. When calculating it, the amount of income on all deposits and accounts is taken into account. Next, 1 million rubles are multiplied. to the maximum value of the Central Bank key rate for the year (currently it is 13%). The tax is paid on income exceeding this amount, the newspaper writes.
If the Central Bank maintains the current key rate until the end of the year, then in 2023, income from interest on deposits up to 130,000 rubles will be exempt from tax, Izvestia explains. If the key rate increases, the amount of tax-free income will also increase. Depositors will have to pay the fee for 2023 by December 1, 2024.
The average return on deposits for individuals in 2023 will be about 9%, and in 2024 – approximately 11%, says Dmitry Gritskevich, manager for analysis of the banking and financial markets of PSB. According to his estimates, the tax-free volume of deposits will be about 1.5 million rubles. and 1.3 million rubles. respectively.
Stock market expert “BKS World of Investments” Mikhail Zeltser noted that in 2023 more than 96% of deposits will not exceed 1 million rubles. According to him, if the annual bank profitability coincides with the current key rate of the Central Bank, most Russians will not be affected by the tax. If the rate is increased by the end of the year, for example, to 14%, Zeltser added, then the amount of tax-free income will increase to 140,000 rubles. He added that in this case, approximately 3% of depositors will pay the fee by the end of 2023.
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