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消委會:年尾交稅感「頭痕」 睇晒四大貼士做足準備
15 Dec 2020


每到年尾交稅季節,不少市民都會借稅貸,而稅貸的利息或會較一般私人貸款低,但貸款人始終需承擔利息及/或手續費等開支。與其每逢稅季便要四出搜尋便宜稅貸,何不及早為未來的稅款作出準備,節省稅貸潛在的開支?


圖片來源:網絡

善用稅務局提供的稅款計算機(請按此)估算將要繳付的稅款,並均分12個 月,繼 而 從 每 月收 入中 儲 蓄 起 相 關 金額,作 為繳 稅儲備。

利用銀行帳戶清晰劃分不同用途的存款,每月支薪後將繳稅儲備即時從支薪帳戶轉帳至另一帳戶作儲蓄起來,避免日常生活消費耗掉本應儲蓄的存款。

考慮每月支薪後以儲備金額自行或設立銀行自動轉帳指示向稅務局購買儲稅券。儲稅券是由稅務局設立,協助納稅人儲蓄以應付未來繳納稅款的計劃。納稅人向稅務局購買儲稅券後,當稅款到期時稅務局會向納稅人贖回儲稅券並支付利息(現時為年利率0.15%)。

收入不穩定的納稅人更需要積穀防饑,因銀行就沒有固定收入人士的貸款申請,審批時會更為謹慎,獲批貸款的息率或會較高,或貸款額會較低,甚至未能成功申請。所以不論當月總薪金是多少,都必須將每月總收入的若干百分比儲蓄起作繳稅儲備,萬一到稅季時收入不足 又未能成 功貸款時,仍有一定資金應付生活及繳稅。

 

 

資料來源:星島日報

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