2014年10月10日星期五

Burget 2015

Budget 2015's Infographic from iMoney

Author: Tan KW   |   Publish date: Fri, 10 Oct 19:01

Budget 2015's Infographic from iMoney

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2015 财政预算案已经宣布完毕,来看看重点消息 :



1. RON95汽油、柴油和液化石油气(LPG)都会豁免消费税。 (注意哦,不包括RON 97)




2. 其他豁免消费税的,包括 :


(1)所有国内与入口水果;
(2)白面包和全麦面包;
(3)咖啡粉,茶叶和可可粉;
(4)黄面、粿条、叻沙和米粉;
(5)近2900种国家基本药物。这些药物用以治疗30种疾病,包括心脏衰竭、糖尿病、高血压、癌症和生育治疗;
(6)读物,如孩童绘本、练习和参考书、课本、字典和宗教书籍;
(7)报章。
(8)基本食品,如白糖,白米等
(9)医疗,教育,公共交通,运输业




3 .首300千瓦小时的用电量不用GST ,超过的就要


4 . BR1M 4.0


家庭收入3000以下 :650 增加至 950 (分3次派发)
家庭收入3K - 4K :450 增加至 750 (分3次派发)
单身,收入2K一下 :300 增加至 350 (明年初派发)




5,所有中小学生都会获得100令吉的援金,惠及540万名学生,总额是5亿4000万令吉。此外,政府也会继续一马书券计划,预料130万学生将获得250令吉的书券,总额3亿2500万令吉。




6. 为了改善公共交通,政府将为居住在吉隆坡之外,但是却在首都工作的人士提供城市之间的巴士服务,乘搭者将获得折扣30%的车费。作为开始,巴士将川行三个路线,即万绕至吉隆坡,巴生至吉隆坡,以及芙蓉至吉隆坡。




7. 配合实行消费税,政府宣布个人所得税税率调降1至3%,30万名纳税人无需再缴税。


此外,征收最高税率的收入门槛,将由现在10万令吉以来提高到40万令吉以上。现有的最高税率26%也会削减至24%、24.5%以及25%。这将让现有纳税人剩下至少5.3%的税务。   




8. 纳吉说,在列入消费价格指数的944项物品当中,有多达56%或532项物品将会降价高达4.1%。这包括药物、电器如冰箱和洗衣机、纺织品、鞋子和拖鞋、肉类、鸡蛋、食油等。


另外354项物品和物品则会面对涨价,不过幅度少过5.8%。


2015年财政预算案 重点宣布

Posted by ascii Lc on 16:40 with No comments
目前首相纳吉正在宣布2015年的财政预算案,在这里为你带来最新的相关重点新闻:(会持续更新)


2015 财政预算案 已经宣布完毕

6.14:纳吉宣布,政府将会展延到迟些时候才会检讨政府内阁成员的薪金,包括正副首相和正副部长。

6.13:纳吉建议提高国会议员津贴,将获得与Jusa C级公务员一样的薪金;而上议员则会获得介于54级和Jusa C级之间的薪金。

6.10:纳吉宣布提高给月入3000令吉以下家庭的一个大马援助金,从今年的650令吉增至明年的950令吉。这将分三次派发,1月和5月派发300令吉,以及9月派发350令吉。

至于月入介入3000令吉至4000令吉的家庭,他们所获得的一个大马援助金将从450令吉增至750令吉,同样分三次派发,头两次200令吉,最后一次是350令吉。

月收不超过2000令吉的年纪21岁以上的个人,则会获得350令吉一个大马援助金,比去年多50令吉。它将在明年初派发。


6.08:为了协助公务员购屋,纳吉宣布提高公务员可获的房屋贷款,最低从8万令吉增至12万令吉,最高则从45万令吉增至60万令吉。此外,政府也会废除100令吉的房贷申请处理费。这将在明年1月1日开始落实。

6.04:政府同意未来3年分别拨出3000万令吉,在布城建立一间世界第二大的可兰经印刷中心,位居沙地阿拉伯之后。

5.54:政府将拨出45亿令吉,来进行系列提升乡村设施的计划,特别是在沙巴和砂拉越。这包括拨款9亿4300万令吉兴建长达635公里的乡区道路、拨款11亿令吉为1万5000住家提供电工,以及拨款3亿9400万令吉为7500乡区住家提供干净水源。


5.52:政府也同意延长给予首次购屋者的50%印花豁免,并提高受惠的屋价顶限,从现有40万令吉至50万令吉。这项优惠将一直进行到2016年12月31日。

5.50:政府将拨款13亿令吉,在一马人民房屋计划(PR1MA)兴建8万间经济屋,而购屋者的收入顶限将从现有8000令吉提升至1万令吉。此外,政府也会为那些无法获得银行贷款的人士,提供先租后买配套。
国家房屋局也将获得6亿4400万令吉兴建2万6000间人民组屋。


5.46:为了照顾人民的卫生和健康,政府将拨出233亿令吉进行系列计划,包括在登州龙运和霹雳州斯里依斯干达建立两家医院,以及在全国各地兴建20间卫生诊疗所和4间牙科诊疗所。
此外,政府也会建立另外30间一个大马诊疗所。

5.44:政府将为橡胶小园主提供一次过的500令吉援金,同时也会通过大马橡胶局拨出1亿令吉来实行稳定价格机制。


5.42:为了改善公共交通,政府将为居住在吉隆坡之外,但是却在首都工作的人士提供城市之间的巴士服务,乘搭者将获得折扣30%的车费。作为开始,巴士将川行三个路线,即万绕至吉隆坡,巴生至吉隆坡,以及芙蓉至吉隆坡。


5.35:为了减轻家长的负担,所有中小学生都会获得100令吉的援金,惠及540万名学生,总额是5亿4000万令吉。此外,政府也会继续一马书券计划,预料130万学生将获得250令吉的书券,总额3亿2500万令吉。


5.34:为了协助年轻人购屋,政府将连同国民储蓄银行、公积金局和大马再抵押机构设立青年房屋计划。这项计划将提供不超过50万令吉的贷款,给介于25至40岁的年轻夫妇购买第一间屋子,他们的月薪不可超过10万令吉。贷款最高年限是35年。

不过,这项优惠仅限2万个单位,先到先得。


5.23:政府将启动全长1663公里的泛婆罗洲大道,总建筑成本270亿令吉。

5.21:为了培养土著人力资源,政府将拨款20亿令吉给人民信托基金(MARA)以赞助土著学生升学。

5.18:纳吉指出,我国土著在企业界的股权还未达到30%目标,目前实际股权只是大约10%。因此,国家股权公司将获得分配6亿令吉来提高土著在私人公司和官联公司的股权。


5.13:纳吉宣布,将检讨1955年雇佣法令和相关劳工法令,以确保工人获得更好的雇佣、委任和革职的条件、弹性工时,以及停职赔偿。此外,政府也会设立工人保险制度,协助被裁员的工人获得临时财政援助,以及再培训计划。

5.09:为了鼓励高等教育基金贷款者偿还债务,政府建议将为连续12个月偿还债务者提供10%的回扣,直到2015年12月31日。而在2015年3月31日之前一次过偿还所有债务的人,还可以享有额外20%折扣。

4.57:纳吉宣布,政府将为燃油津贴建立一个新的发放机制,以确保津贴更准确地发放到目标群,而他也将在短时间内宣布这项新机制。

4.55:合作社所得税税率明年将削减1至2%,而企业所得税则在2016年削减1%至24%。

4.54:配合实行消费税,政府宣布个人所得税税率调降1至3%,30万名纳税人无需再缴税。

此外,征收最高税率的收入门槛,将由现在10万令吉以来提高到40万令吉以上。现有的最高税率26%也会削减至24%、24.5%以及25%。这将让现有纳税人剩下至少5.3%的税务。    

4.53:纳吉说,在列入消费价格指数的944项物品当中,有多达56%或532项物品将会降价高达4.1%。这包括药物、电器如冰箱和洗衣机、纺织品、鞋子和拖鞋、肉类、鸡蛋、食油等。

另外354项物品和物品则会面对涨价,不过幅度少过5.8%。

4.50:纳吉宣布扩大豁免消费税物品名单,RON95汽油、柴油和液化石油气(LPG)都会豁免消费税。

政府扩大豁免消费税的商品范围包括:

(1)所有国内与入口水果;
(2)白面包和全麦面包;
(3)咖啡粉,茶叶和可可粉;
(4)黄面、粿条、叻沙和米粉;
(5)近2900种国家基本药物。这些药物用以治疗30种疾病,包括心脏衰竭、糖尿病、高血压、癌症和生育治疗;
(6)读物,如孩童绘本、练习和参考书、课本、字典和宗教书籍;
(7)报章。

政府也同意,调高豁免消费税的电费,从首200千瓦小时至首300千瓦小时的用电量,而这将造惠70%的家庭。

4.40: 政府将在2015年落实数项基建项目,包括53亿令吉的新街场淡江大道(SUKE)、50亿令吉的西海岸大道、42亿令吉的白沙罗沙亚南大道 (DASH)、1亿5000万令吉的提升东海岸火车铁道计划、230亿令吉的捷运第二条路线计划(士拉央至布城),以及90亿令吉的轻快铁第3路线计划。

4.33:在征收消费税后,销售税和服务税将会被废除,而让政府丧失138亿令吉的税收。这意味政府只会获得净56亿令吉的额外收入。

在这笔数目当中,49亿令吉将通过调高一个大马人民援金等援助计划回馈给人民,最终消费税的净收入只是6亿9000万令吉。

4.32:随着2015年落实消费税,政府收入估计是232亿令吉,不过政府将豁免数样物品无需征收消费税,豁免税额高达38亿令吉。

4.30:2015年财政预算案总预算为2739亿令吉,比2014年增加98亿令吉。其中,2234亿令吉为营运开销,505亿令吉为发展开销。

4.27:2015年经济成长预料将维持强劲,介于5至6%,而财政赤字将减至3%。

4.25:纳吉有信心,我国今年能取得强劲的经济成长,介于5.5%至6%,而财政赤字也将减少到3.5%。

4.20:纳吉强调,财政预算案必须注重平衡资本经济(Capital Economy)和人民经济(People Economy)。所谓资本经济就是指宏观经济政策和管理,而人民经济就是以民为本的经济,关注生活成本、家庭收入、教育机会等人民利益等课题。

他也拿人民经济的缩写开玩笑,强调这是“EKR”(Ekonomi Keperluan Rakyat),而不是“PKR”(公正党)。

4.15:政府将在明年5月推出第11大马计划,同时也会推出新的马来西亚全国发展策略(MyNDS)。

4.13:在推行消费税和更高的企业所得税后,将使税收增加至1833亿7000万令吉,比去年1717亿7000万令吉高出6.8%。

4.08:财政预算案的总开销是2739亿4000万令吉,比去年财政预算案2642亿令吉高。

3.50:纳吉在财政部高官的陪同下,抵达国会大厦。他和去年一样穿橙色马来服装提呈财政预算案。


 
Budget 2015 ends.
 
Half-month bonus with a minimum payment of RM500 to be paid in January 2015 for civil servants.
 
Ministers and Deputy Ministers will have a salary revision at another time.
 
Increase in allowance of MPs.
 
BR1M from RM300 to RM350 a year for single individuals aged 21 and above with a monlthy income not exceeding RM2,000. Assistance 2 be disbursed early next year.
 
BR1M to RM950 for households with a monthly income of RM3,000 and below paid in 3 instalments
 
Minimum price of houses will be reduced to RM90,000 per unit with a minimum floor area of 850 square feet.
 
Repair and maintenance for military, police, teachers' and medical staff's quarters nationwide for RM500 million.
18:13
 
Minimum eligibility for housing loans increased to RM120,000 and maximum eligibility for civil servants to RM600,000.

18:12
World Competitiveness Index ranking improved from 15th to 12th position in 2014.
 
Over 3 years with RM30 million, to build Al-Quran Printing Centre in Putrajaya; 2nd biggest after Saudi Arabia.
 
Staff of KEMAS, JASA, JPNIN, JAKIM and Seranta Felda who have served more than 15 years and have retired will receive a monthly assistance of RM300 benefiting 1,655 people.
 
One-off grant of RM50 million will be provided to NGOs, that are involved in community development programmes, unity, social welfare, consumerism, health and security.
 
RM117 million will be allocated to RELA for training and capacity building.
 
RM121 million for PDRM to implement various programmes under NKRA.
 
Police force will be increased by 11,757 personnel, 14 Police Headquarters and Stations to address crime.
 
Construction of Air Langat 2 Water Treatment Plant will be expedited; costing RM3 billion to address water supply shortage.
 
Rural facilities & infrastructure to get RM4.6 million for upgrade.
 
Age of borrowers increased from 35 to 40 years.
 
For Skim Rumah Pertamaku.
 
Purchase limit increased to RM500,000 with 50% stamp duty exemption for first home.
 
For early childhood education, Ministry of Education will get RM711 million
 
Increase in tax relief for disabled child. RM5,000 to RM6,000
 
Financial assistance for poor families, children, senior citizens and disabled. RM1.2 billion
 
To address the dengue issue, RM30 million will be allocated.
 
If you have cancer, kidney failure and/or heart attack, you can get tax relief up to RM6,000. An increase from the original RM5,000.
 
Establish an additional 30 1Malaysia clinics.
 
RM41 million for planting and replanting for oil palm smallholders.
 
RM23.3 billion to improve health services and facilities.

 
RM100 million to protect smallholders from losses incurred, especially when the world market price falls. - Malaysian Rubber Board (MRB)
 
People working in KL and coming from outside KL will have a bus service with discounted monthly fare of 30%. Routes: Rawang-KL; Klang-KL; Seremban-KL.
 
Additional 20 KR1M in Peninsular Malaysia to ease burden of Malaysians.
 
Additional RM250 million for fishermen; to improve living condition.
 
Increase of living allowance for Zone A's fishermen to RM300, Zone B and C; increased to RM250.
 
RM100 million matching grant to Farmers’ Organisation Authority to enable the members to obtain loans to improve farm productivity and marketing channels.
 
Government will establish 65 new permanent farmers’ markets and 50 new fish markets that will operate daily in selected locations. To date, there are 526 farmers’ markets and 50 fish markets nationwide.
 
Government will also give a 50% stamp duty exemption on the instrument of transfer agreements and loan agreements.
 
RM200 incentive monthly for first two years of housing loan repayment.
 
RM100 mil for 1Malaysia Youth City in Sabah and Sarawak to boost employability and entrepreneurship skills in youth.
 
Child care holiday for 1 year for step child, adopted child, or special needs child.
 
RM320 million to revitalise youth programmes, including National Service and Rakan Muda.
 
"1 malaysia support" for housewives for professional women to return to employment.
 
RM 2.26 billion allocated for the Women, Family and Development Ministry to promote women entrepreneurship.
 
RM 2.26 billion for development of women's operations.
 
Women make up only 38% of work force. Government will take initiative to increase this.
 
Women are the backbone of a nation's development.
 
Lahad Datu airstrip will be extended to accommodate bigger planes.
 
RM27 billion for construction of 1,663km highway in Pan Borneo.
 
Construction of pan borneo highway at a cost of RM27 billion.
 
Various initiatives to promote bumiputera entrepreneurship.
 
Government hopes to make M'sia a prime location for start-ups in the region. MAGIC to create a conducive start-up eco-system to attract expatriates.
 
Labour laws to be revised to include benefits such as flexible hours to cater to an increasingly dynamic labour market.
 
Labour laws to be revised to include benefits such as flexible hours to cater to an increasingy dynamic labour market.
 
PTPTN: Rebate of 10% for individuals who has been consistently paying for the past 12 months till 31 Disember 2014 and 20% rebate for those who settles the full amount by 31 March 2015. 
 
TalentCorp to be allocated RM13 mil for internship programmes and industrial training & more.
 
Syllabus at higher learning institutions to be revised to include extra-curricular activities to combat "unemployability" among local graduates.
 
PTPTN, as of Aug 31, 2014, only 46% of debt collected. 174,000 have never repaid their student loan.
 
National schools will be allocated RM450 mil, Sek. Jenis Kebangsaan Cina gets RM50 mil, SJK Tamil RM50 mil, boarding schools RM50 mil, religious schools with government's aids RM50 mil, SRSM 50 mil, Sek pondok RM50 mil and RM25 mil for chinese schools using national syllabus.
 
RM258 million allocation for Ministry of Health.
 
RM800 million allocated for schools, which include national schools, and Chinese and Tamil vernacular schools.
 
2x tax relief for companies who offer internships for diploma and vocational students.
 
10,000 students will be placed in private vocational institutions. 
 
By 2020, 46% jobs will need technical and vocational qualifications. To increase enrollment in technical and vocational schools RM1.2 billion to be allocated.
 
Principals will be given autonomy to administrate their respective schools.
 
RM56 billion will be allocated for the Ministry of Education for various programmes.
 
1Malaysia Training Centre has been established for the private sector.
 
Urban Transformation Centre to be established in Kelantan, Terengganu and Perlis  to promote skills and employability.
 
A new subsidy scheme will be announced soon.
 
To improve the country's budget - subsidy rationalisation has been implemented. An example is the fuel subsidy. We will ensure this is done in gradually and in stages to reduce the burden on the rakyat.
 
Grant of RM100 million for companies who send staff for GST training.
 
YA 2016, SMEs and small businesses will be reduced from 20% to 19%.
 
Highest income tax rate to be reduced from 26% to 24%. 
 
Personal income reduced by 1% - 3% , 300,000 taxpayers will be exempted from income tax. 
 
532 items, 56% price will be reduced such as medical products, electronic products, furniture, diapers, seafood and vegetables. 
 
Groceries, RON95, diesel and LTG exempted as well.
 
GST exempted on essential items. To increase the number of items: 1) all local and imported fruits, white and wholemeal bread, coffee and tea, cocoa powder, mee kuning, laksa and mihun.

Also 290 types of medicine for 30 types of illness such as heart diseases, and diabetes will be exempt.

Reading magterials such as colouring books, dictionary, and others.

There will be an increase in the exemption for electricity consumption from first 200 units to 300 units.

 
To trim fiscal deficit to achieve a balance budget. 
 
RM1.3 billion for Ministry of Science, Technology and Information - rebrand SIRIM, introduce a new initiative Public Private Research Network.
 
RM50 million to Ex-army Programme, benefitting 50,000 ex-army personnels.
 
RM50 million to Professional Young Women Development programme, benefitting 50,000 professionals.
 
RM50 million to Indian entrepreneurs.
 
RM350 million to Bumiputera entrepreneurs.
 
Tekun has been providing loan amounting to RM3.1 billion.
 
High speed broadband to be implemented in high impact areas in the nation. RM2.7 billion will be allocated in 3 years including additional 1,000 base stations and undersea cable construction. 
 
These developments will create at least 1,000 employment opportunities.
 
Project LRT 3rd phase, from Bandar Utama to Shah Alam to Klang will begin soon.
 
MRT second phase, 56 km, from Selayang to Putrajaya with RM23 billion allocated.
 
Allowance automation modal expenditure of 200% on the first RM4 million. From 2015 - 2017. 
 
100% tax exemption for 5 years to encourage private sectors to develop industrial areas in rural and less developed locations.
 
Encourage investments in less developed areas in the country, with specific programmes.
 
Malaysia is now the biggest sukuk provider, taking up 60% globally.
 
Research Incentive Scheme with RM10 million for SMEs in ICT and information industry.
 
Introduce the blueprint for the service sector with RM5 billion allocated for SMEs in the service sector.
 
With GST, SST will be abolished, causing the government a loss of RM13.8 billion
 
Total revenue last year is RM235.2 bil, additional of RM10.2 bil compared to the year before. 
 
RM4.9 bil allocated for security sector
 
Revenue from GST expected to hit 23.2 billion. With GST, SST will be abolished. 
 
Deficit fiscal trimmed from 6.7% (2009) to 3.9% (2013), and 3.5% by end of 2014. 
 
We are now ranked the highest economic growth in South East Asia. 
 
Budget 2015 is a budget of economy based on the rakyat's needs. 
 
"People economy and capital economy cannot be separated. They exist in a symbiosis relationship," said PM. 
 
The biggest challenge we face in administrating the country is balancing policies that are populist in nature with policies that are based on economic health of the country. 
 
With the aim to achieve high-income nation in 2020, such as Japan and Korea. All these countries started with agriculture, just like us. 
 
Opening address by Prime Minister: Government is still committed to develop Malaysia, with the 11th Malaysian Plan starting May 2015 with the Malaysia National Development Strategy (MyNDS). 
 
And we're off! Malaysians, are we ready for Budget 2015?

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