{"id":24,"date":"2025-08-28T03:37:46","date_gmt":"2025-08-28T03:37:46","guid":{"rendered":"https:\/\/usapangpera.com\/?p=24"},"modified":"2025-08-28T06:05:48","modified_gmt":"2025-08-28T06:05:48","slug":"20-tax-sa-kita-ng-savings-alamin-ang-totoong-apekto-ng-ra-12214-sa-yo","status":"publish","type":"post","link":"https:\/\/usapangpera.com\/?p=24","title":{"rendered":"20% Tax sa Kita ng Savings? Alamin ang Totoong Apekto ng RA 12214 sa \u2018Yo"},"content":{"rendered":"\n<p>Pag-usapan muna natin ang&nbsp;<em>mainit na balita<\/em>&nbsp;ngayon\u2014ang&nbsp;<strong>RA 12214<\/strong>, or&nbsp;<strong>Capital Markets Efficiency Promotions Act<\/strong>.<\/p>\n\n\n\n<p>Ang batas na ito ay nagpapataw ng&nbsp;<strong>standardized 20% tax<\/strong>&nbsp;on all bank&nbsp;<strong>interest earnings<\/strong>. Emphasis po\u2014<strong>interest lang<\/strong>, hindi \u2018yung mismong savings mo ang tinatax. Hindi nababawasan ang principal mo\u2014yung kita lang mula sa interest ang may tax.<\/p>\n\n\n\n<p>Starting&nbsp;<strong>July 1<\/strong>,&nbsp;<strong>2025<\/strong>&nbsp;uniform na ang 20% withholding tax sa lahat ng klase ng&nbsp;<strong>interest income<\/strong>\u2014Pesos man \u2018yan o Dollars, savings, time deposits, bonds, etc.<\/p>\n\n\n\n<p>May mga nagtatanong, \u201cSir Vince, di ba may withholding tax na talaga noon?\u201d Tama! Meron na noon. Ang pagbabago ngayon ay sa uniformity ng rate.<\/p>\n\n\n\n<p>Before RA 12214, ganito ang setup:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kapag&nbsp;<strong>less than 3 years<\/strong>&nbsp;ang term ng deposit, 20% talaga ang tax.<\/li>\n\n\n\n<li>Kapag&nbsp;<strong>3 to &lt;4 years<\/strong>, 12% lang.<\/li>\n\n\n\n<li><strong>4 to &lt;5 years<\/strong>, 5% lang.<\/li>\n\n\n\n<li>At kung&nbsp;<strong>5 years and up<\/strong>,&nbsp;<strong>0% tax<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p>Kaya marami ngayon ang umaangal\u2014lalo na yung mga merong time deposits na&nbsp;<strong>5 years and above<\/strong>. Noon kasi, tinuturo ko pa nga, \u201cMag-5 years + 1 day kayo para 0% ang tax!\u201d Pero ngayon, flat 20% na.<\/p>\n\n\n\n<p><strong>Kung nag-deposit kayo before July 1,2025<\/strong>&nbsp;<em>hindi kayo kasama sa bagong tax rates<\/em>. So kung meron kayong 5-year time deposit na naipasok bago July 1, 2025,&nbsp;<strong>0% pa rin ang tax until maturity<\/strong>. Hindi ito retroactive.&nbsp;<em>Fair pa rin naman<\/em>.<\/p>\n\n\n\n<p>Ang effect ng batas?&nbsp;<strong>Lower net interest<\/strong>&nbsp;para sa mga long-term savers.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pag-usapan muna natin ang&nbsp;mainit na balita&nbsp;ngayon\u2014ang&nbsp;RA 12214, or&nbsp;Capital Markets Efficiency Promotions Act. Ang batas na ito ay nagpapataw ng&nbsp;standardized 20% tax&nbsp;on all bank&nbsp;interest earnings. Emphasis po\u2014interest lang, hindi \u2018yung mismong savings mo ang tinatax. Hindi nababawasan ang principal mo\u2014yung kita lang mula sa interest ang may tax. Starting&nbsp;July 1,&nbsp;2025&nbsp;uniform na ang 20% withholding tax sa [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":123,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[12,11],"class_list":["post-24","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-pag-ibig","tag-philhealth"],"_links":{"self":[{"href":"https:\/\/usapangpera.com\/index.php?rest_route=\/wp\/v2\/posts\/24","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/usapangpera.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/usapangpera.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/usapangpera.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/usapangpera.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=24"}],"version-history":[{"count":4,"href":"https:\/\/usapangpera.com\/index.php?rest_route=\/wp\/v2\/posts\/24\/revisions"}],"predecessor-version":[{"id":170,"href":"https:\/\/usapangpera.com\/index.php?rest_route=\/wp\/v2\/posts\/24\/revisions\/170"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/usapangpera.com\/index.php?rest_route=\/wp\/v2\/media\/123"}],"wp:attachment":[{"href":"https:\/\/usapangpera.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=24"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/usapangpera.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=24"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/usapangpera.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=24"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}