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NBP
2018-11-20
USD
3.7900
0.16%
EUR
4.3314
0.17%
CHF
3.8171
0.59%
GBP
4.8643
-0.12%

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NBP
2018-11-19

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USD
3.7840
%

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EUR
4.3242
%

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CHF
3.7947
%

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GBP
4.8701
%

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NBP

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NBP
2018-11-15
USD
3.8074
-0.10%
EUR
4.2970
0.04%
CHF
3.7814
0.18%
GBP
4.8686
-1.49%

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NBP
2018-11-14
USD
3.8114
-0.40%
EUR
4.2954
-0.09%
CHF
3.7747
-0.30%
GBP
4.9424
0.20%

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Jak unikn膮膰 podatku Belki?Chcesz oszcz臋dza膰 nie p艂ac膮c Pa艅stwu 19% podatku Belki od odsetek uzyskanych z oprocentowania pieni臋dzy z艂o偶onych w banku? Dowiedz si臋 jak oszcz臋dza膰 i omin膮膰 podatek Belki czyli podatek od zysk贸w kapita艂owych. Oszcz臋dzanie bez podatku Belki.

S膮 cztery mo偶liwo艣ci unikni臋cia podatku Belki:
1) Unikni臋cie podatku dzi臋ki zaokr膮gleniu do 0
2) Oszcz臋dzanie na ksi膮偶eczkach mieszkaniowych
3) Oszcz臋dzanie powi膮zane z ubezpieczeniem
4) Oszcz臋dzanie w ramach indywidualnych kont emerytalnych

Unikni臋cie podatku dzi臋ki zaokr膮gleniu do 0 jest mo偶liwe w przypadku naliczenia odsetek nie wy偶szych ni偶 2,49 pln. Poniewa偶 19% z 2,49 pln to mniej ni偶 50 groszy. Je偶eli nasz zysk z oprocentowania wyniesie 2,50 pln podatek zostanie naliczony w wysoko艣ci 1 z艂otego.

W przypadku lokat i kont z kapitalizacj膮 miesi臋czn膮 zysk najcz臋艣ciej przekracza ustawowy pr贸g i podatek jest naliczany. Dla lokat i kont z kapitalizacj膮 dzienn膮 w zale偶no艣ci od oprocentowania, mo偶na utrzymywa膰 oko艂o 20.000z艂 zyskuj膮c nie wi臋cej ni偶 2,49 codziennie i unikaj膮c p艂acenia podatku Belki.

Oszcz臋dzanie na ksi膮偶eczka mieszkaniowych pozawala unikn膮膰 podatku Belki. Dodatkowo mog膮 pozwala膰 na uzyskanie preferencyjnych warunk贸w przy ubieganiu si臋 o kredyt mieszkaniowy. Ksi膮偶eczka mieszkaniowa mo偶e by膰 tak偶e przeznaczona dla dzieci.

Oszcz臋dzanie w postaci lokaty z ubezpieczeniem to r贸wnie偶 spos贸b na unikni臋cie podatku Belki. Cz臋sto kwoty minimalne dla lokat z ubezpieczeniem s膮 wysokie, a warunki skomplikowane.

Oszcz臋dzanie w ramach IKE, jest zwolnione z podatku belki pod warunkiem nabycia praw emerytalnych. Dobra forma oszcz臋dzania na dalek膮 przysz艂o艣膰 lub jako zabezpieczenie dla ma艂偶onka i dzieci, poniewa偶 spadek z IKE te偶 jest zwolniony z podatku Belki od zysk贸w kapita艂owych
 
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