17/07/2025
🛑 BANKS SLAP 20% TAX?
Kalma lang… ‘wag muna himatayin, himayin muna natin.
📌 Starting July 1, 2025, all interest income from your bank deposits will be taxed uniformly at 20%.
Pero teka, hindi ito bagong parusa. Basahin mo muna 'to bago ka mag-react. 👇
💸 BEFORE July 1, 2025:
Kapag may pera ka sa bank, kumikita ito ng interest income pero may bawas na agad:
Example:
🔹 Savings: ₱100,000
🔹 Interest (0.0625%) = ₱62.50
🔹 After 20% tax = ₱50 lang talaga ang tubo mo
📊 Tax Rates Noon:
✔️ Regular savings = 20%
✔️ Time deposit < 5 years = 20%
✔️ Time deposit > 5 years = 0%
✔️ Foreign currency deposits = 15%
🆕 AFTER July 1, 2025:
Lahat ng yan? 20% na! Uniform rate.
➡️ So, apektado ka ba?
Kung hindi ka naglalagay sa long-term time deposits, wala halos epekto sayo.
🙃 Matagal nang 20% ang tax sa regular savings, pati sa digital banks.
💔 Pero kung plano mong mag-time deposit ng ₱100,000 for 5 years or more?
Dati: Walang tax
Ngayon: May ₱860/year na tax cut sa interest mo (based on 4.3% rate)
🧠 Good news kung may existing time deposit ka ngayon ,
0% tax pa rin 'yan until maturity.
This is for new deposits only (prospective application).
💬 Bakit ginawa 'to?
✔️ Para ma-encourage tayong mag-invest, hindi lang mag-ipon.
✔️ Kasabay ito ng pagbaba ng Stock Transaction Tax, para mas maraming Pinoy ang pumasok sa stock market.
📣 Moral of the story:
Savings ≠ Investment.
Kung gusto mong lumago ang pera mo, DIVERSIFY.
👨💼 Need help understanding where to put your money? Let’s talk.
I’m here to help you grow and protect your hard-earned income. 💼
🔗 Source articles:
📌 20% Bank Deposit Tax
https://www.google.com/amp/s/www.philstar.com/business/2025/07/14/2457715/banks-slap-uniform-20-tax-interest-income/amp/
📌 Lower Stock Tax Start
https://www.google.com/amp/s/business.inquirer.net/533388/lower-stock-transaction-tax-takes-effect-today/amp
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