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The second year of the personal tax reform survey shows that mortgages and rents are the most affordable tax deductions

来源: 证券日报 January 9, 2020, 07:15 Source: Securities Daily

Our trainee reporter Xu Mengzhang

According to the statistics of the State Administration of Taxation, in the first three quarters of 2019, new tax cuts for personal income tax reform amounted to 442.6 billion yuan, with a cumulative tax reduction of 1764 yuan per capita. The reduction in personal income tax has directly increased residents' income and enhanced their consumption power.

In the first three quarters of 2019, the sales revenue of the living service industry reflecting the vitality of residents' consumption increased by 16.2% year-on-year, and the revenue of Internet wholesale and retail sales increased by 16.8% year-on-year, which were 4.7 and 5.3 percentage points higher than the growth rate of the tertiary industry.

2019 is the second year of tax reform. During the special interviews conducted by reporters of the Securities Daily, representatives of people from different regions and occupations talked about their personal experience and relevant suggestions on tax reform.

In an interview with the Securities Daily reporter, Ms. Xia, an educator in East China, said that because she has a mortgage, she can deduct personal income tax, and she can obviously feel that the tax paid each month has become less, although it is currently impossible to query through the APP. Get a detailed statement of your tax credit. Ms. Xia hopes that the relevant responsible departments will strengthen the popular education of APP operation in the future so that everyone can find more detailed information on personal income tax payment on the APP.

In response to Ms. Xia's suggestion, a reporter from the Securities Daily learned from official channels that starting from January 1, 2020, the online tax bureau (including the mobile personal income tax app) launched four individual comprehensive income tax records for the country. Function, the taxpayer can inquire and understand his personal tax payment situation in time to prepare for the annual accounting. At the same time, the State Administration of Taxation is finalizing the verification of the relevant functions of the information system. When the annual accounting period begins, the system will provide taxpayers with pre-filled services related to the return data in accordance with certain rules, helping taxpayers to complete the year better and more conveniently. Accounting.

As Ms. Xia said, deducting a tax on a home loan is a real benefit to anyone with a home loan. In the field of housing, the mortgage interest deduction tax and the rent deduction tax benefit the people at the sandwich level, which can further reduce the pressure on mortgages, and the effect is equivalent to a "comprehensive interest rate cut."

Mr. Ma, a practicing lawyer in Beijing, told a reporter of the Securities Daily that the tax reform has alleviated everyone's financial burden to a certain extent, especially in terms of rent deduction. Friends around you can save about 500 yuan per month in taxes. This is very meaningful to the ordinary working class. In addition, the personal income tax app is easy to operate and the information statistics are reasonable. However, there are also shortcomings. The APP is constantly upgraded and cannot be loaded without upgrading. This APP, which is usually used only once a year, is easy to force users to uninstall.

"Securities Daily" reporter noticed that on December 14, 2019, the State Administration of Taxation drafted the "Statement of the State Administration of Taxation on Handling the Settlement and Payment of Individual Income Tax for 2019" (hereinafter referred to as the "Announcement") and solicited opinions, As of December 26th, solicitation of opinions has been completed, and a total of 937 people have submitted 998 effective opinions through the official website of the State Administration of Taxation, including 897 opinions directly related to the annual accounting, mainly involving handling methods, legal responsibilities, tax refunds, foreign exchange Calculation content, accounting services, processing time, etc. The State Administration of Taxation has adopted 699 opinions, or 78% of them.

A market person who has been in contact with enterprises for a long time told a reporter of the Securities Daily that the impact of the individual tax reform on enterprises is not large, and the individual taxes that are underpaid are limited. Enterprises should still increase their salary when they should be paid. Deductible items and so on increase the workload of the enterprise to a certain extent, and individuals still need to calculate again by themselves.

When answering a reporter's question on December 31, 2019, the person in charge of the income tax department of the State Administration of Taxation also mentioned the concerns and concerns of the financial staff of the withholding unit mentioned above. The person in charge said that the "Announcement" further revised and improved the relevant regulations to minimize the burden on withholding units.

Ms. Chen, a retired media practitioner in the Northwest Territories, told a reporter from the Securities Daily that the current unit does not need to pay her five insurances and one payment. She has a pre-tax salary of about 8,000 yuan per month and pays her personal income tax on time every month , Did not really pay attention to the actual changes after a tax deduction. Despite this, Ms. Chen still believes that the tax reform is definitely good for her income.

(Responsible editor: Wei Jingting)


China Economic Network statement: Stock market information comes from cooperative media and institutions, and is the author's personal opinion. It is for investor reference only and does not constitute investment advice. Investors do so at their own risk.
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The second year of the personal tax reform survey shows that mortgages and rents are the most affordable tax deductions

来源:证券日报 2020-01-09 07 : 15Source : Securities Daily
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