Current, attune of tax rate of income tax of deposit deposit accrual decreases policy to carry out " of half moon of full already " formally. Chief expresses Wei of " of orgnaization of service of major of capital individual loan related Jia Anjie " , implement 5% tax rate formally from interest duty up to now, beijing individual room borrows the market to trade " as always " , loan buys room crowd very active still, consumer maintains a relatively gentle state of mind, market reaction is very calm.
According to the capital each bank is mirrorred, after interest tax tax rate adjusted policy to be carried out formally on August 15, outside small disturbance that except partial bank occurrence depositor queues up to conduct business, in a few days of time later, restored sleek at ordinary times situation already. Especially this interest duty attune decreases policy is section plan duty, self-correcting, depositor need not deal with any formalities to be able to enjoy new tax rate policy, went to the lavatory greatly the conduction of depositor, so market reaction also is flatly in reason.
In fact, after interest duty is reduced formally, also be only come by original 20% fall after a rise 5% , current for interest rate of bank deposit saving, even if adds interest rate of the bank deposit after breath to rise somewhat, but the return rate that compares other investment product is inferior still. As we have learned, current, one year period deposit is fiducial interest rate is adjusted for 3.6% , 5 years period deposit is fiducial interest rate is adjusted for 5.49% . From the point of angle of common people conduct financial transactions, although interest duty is reduced hind rise the saving interest rate that causes them, but they are not met throw into confusion because of " of these Xiaoli of " small as the head of a fly the plan of conduct financial transactions that oneself buys a room to perhaps devote into the stock market, fund.
Not express an opinion, the part was inducted really after interest duty attune is decreased ten yuan the following small bank of deposit fund circumfluence, because adjust the saving interest rate after after all,want tower above than before a lot of. But what house property trades to differ to it is, its trade amount amount of bigger, loan is more, people is won't lift because of bank deposit interest rate and the fund in the hand all " returns " deposit market. Additional, the consumptive demand that shifts the market from individual room will tell, the main purpose that consumer loan buys a house is to be understanding to live basically definitely demand. So, "Expert of Wei Jia Anjie " points out, pure interest duty is reduced, lift more impossibly to this part crowd how old " dimple " , borrow market whole to affect to individual room also too won't big.
"Expert of Wei Jia Anjie " thinks, passed several times add breath hind, people is low to interest rate extent lifts or going, right all sorts of tax cost include increase of interest rate tax or decrease and won't resemble that kind is sensitive before. Especially the following and small to having ten yuan for the consumer of capital, the deposit interest that after duty of even if interest decreases, generates is higher, but also not as good as the stock market that " ox enrages towering " that kind short-term change to appreciate now relatively " fast " . So, from this angle for, the " prosperous " of the bond market such as the stock market, fund is diluent the " to deposit deposit yearns for people indefinitely " , same, also dispersed the influence that the market lends to individual room after interest duty attune is decreased.
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