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Research: taxes on deposits will not lead to abandonment of deposits

Research: taxes on deposits will not lead to abandonment of deposits
Photo: pixabay.com

Otkritie Bank specialists conducted a study among Russians, and found that the majority of the country's residents do not plan to abandon their deposits even after the introduction of taxes on deposits. At the same time, only 1% of respondents do not know about the tax on deposits of more than one million rubles, which was introduced on January 2021, 44.

According to the press service of Otkritie Bank, the survey was conducted among one thousand Russians from cities with a population of over 100 thousand people. The age of the respondents ranged from 18 to 65 years old.

According to the results of the study, it turned out that bank deposits are considered by the majority to be the most reliable instrument for personal financial investments. Therefore, they are not going to give it up.

Among those surveyed, 56% are aware of the introduction of a tax on deposits. But only 23% of the study participants know about the methodology for calculating it. According to the adopted law, 13% of taxes will have to be paid on interest income, which will be more than one million rubles multiplied by the rate of the Central Bank of the Russian Federation. The first tax period will be 2021; the tax payment deadline will be December 1, 2022.

Most are aware of the innovations in Moscow, St. Petersburg and the regions - 29% each. In the Far East, this share is lower - 21%. The lowest indicator is in the North Caucasus - 8%.

17% of the respondents are not interested in this issue, since they have no deposits. Another 27% of respondents would like to know the details of the law. But in any case, 74% will not refuse deposits. And another 20% have already taken measures to reduce the taxable base: they took part of the funds (13%) or received interest on the deposit before January 1, 2021 (7%).

Another 47% said that the profitability of deposits is low, interest rates are satisfied with only 15%. Therefore, some of the respondents are ready to consider alternative tools. True, these are the least of all in the Far East - only 33%. For comparison: 53% of residents in the Southern Federal District are ready to look for other sources. Another 26% of Russians generally consider alternatives to deposits as risky and do not consider them.

Most often, residents use deposits to buy real estate for rent (19%). 12% of respondents are ready to open a brokerage account, 6% - to buy precious metals, 4% - to purchase mutual funds and shares, and only 3% of the survey participants could transfer funds to individual trust management.

 

 

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