the Government intends to apply a load of 500 rubles per child more money. The Finance Minister presented on Friday an offer to use a Family of 500+. This family-run Treasury Bonds for people who don’t want to spend the extra money for current purposes, but they want to save for their children’s future. Their interest rate will be slightly higher than you can get in banks, but the government and so on this will save.
since October, the Ministry of Finance to program beneficiaries 500+ will offer a new type of bonds, announced on Friday by Finance Minister Paul Szałamacha.
running the 500+ will be able to purchase Treasury securities in the monthly cycles in savings Bank branches and via the Internet in the amount of the benefit.
the Government intends to offer the bonds six – and dwunastoletnie. Their interest rate would be 1.75 percent. and 2.00 percent. above inflation, but in the first year will be higher because those who decide to buy them, get consistently of 2.60 and 3.00 per cent. In the event of deflation (falling prices of consumer goods) interest rate will not be reduced, that is, the deflation is calculated as zero.
the Rules of withdrawal from the Family 500+ determines the law which does not provide for the disbursement of funds, in the form of bonds. The proposal to rely on, so there will be the usual sale of these bonds, and the number of people who can buy them will be limited to beneficiaries 500+.
- the Family Treasury Bonds is aimed at people who, the funds received from the program Family 500+ want to save towards future needs of their children, ” said the Deputy Finance Minister Piotr Nowak.
Resort calculate
If the state is to Finance 500+ and have to take so long, it may immediately pay the money instead of debt. This is probably the idea led pomysłodawcom new project of the Ministry of Finance. Moreover, it is not known that in the future foreign investors Treasury bonds will buy with such enthusiasm as now.
Also, interest rates on bonds should be much lower than can be achieved in recent times at public auction for bonds of 10-year-old. In the last tender it was almost 2.8 percent.
the Proposal does not knock, also compared to the current interest rate on Bank deposits. There are several proposals that present more than 2 per cent., and sometimes even 3 percent. for deposits and this in a shorter period of time.
Officially, of course, only a way of saving for your child’s future, and the exchange of money for the securities is not mandatory. But in practice, it may provide savings to the state budget.
Instead of to the banks 500+ can get into the government
the First payment from the program came to the accounts of families in April. Payments are 3.6 million children, i.e. about 1.8 billion rubles. per month.
As shown by the data of the national BANK from April to July, the individuals ‘ deposits in the banking system increased to UAH 17 billion. This is almost two times greater than the maximum growth in these months in history. Part of the new deposits is the effect of the 500+, and the trend could worsen as soon as poorer families spłacą debts in chwilówkach and will have their available funds for savings.
Offering instead of money bonds, the government wants to divert some of the money that instead expected to buy in stores, hit on the Bank account and credited to the economy indirectly, but due to the increase in credit banks. In other words, while shopping in the store, you automatically receive a VAT. If the money gets into the banking system, and then in the form of a loan, for investment, are also displayed in the system but with some delay.
According to forecasts of the state next year dofinansowywanych children will be 170 thousand more. As indicated in the project budget, costs 500+ is 22.6 billion rubles, and the same amount in the state budget will have asygnować annually. It is about 5.5 billion rubles more than in 2016.
the money in the state budget has no tax and needs to take out a loan. The proposal of the Ministry is not only an economical product but also to reduce the percentage of debt that must pay you.
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