Published: September 16, 2014 | read 5.469 x
“In 2015 we are going to 0.5% in purchasing power forward”. This is the main conclusion of Budget Day. But what exactly does that mean? Growing our bank account or we will precisely backwards? What are the measures taken in 2015 or even in 2014, give an advantage and where is the pain? We have the most important measures that have put in a row on your wallet for your influence.
2015 health insurance premium increases by … € 9.50 per month?
According to the government rising health insurance premiums in 2015 with € 114 per year , or € 9.50 per month. Whether that increase is really so high, remains to be seen. 2014 gave the Ministry of Health that the health insurance premium would amount to € 102.17 per month. In reality, the premium fell to € 91.59. A miscalculation of the government of more than € 10 per month. Also previous years saw the government to pessimistic. The premium increase is also likely to fail than estimated. Lower in 2015
Excess in 2015 rising to € 375
The government has determined that the deductible in 2015 increased from € 360 to € 375 This increase of € 15 seems small, but in comparison, in 2010 amounted to only € 165 where average prices have risen since 2010 (inflation by 10.4% excess ), the increase in the deductible whopping 127.2%
Duidelijke make note of insurer
What does my hospital treatment? For many people this is a big question mark. Therefore, it has since June 2014 been commonplace that people through their insurer understand their claims. You can easily calculate whether you have earned back. Your premium that way This method is maintained in 2015, moreover, the government has already indicated more attention to transparency in health care.
More own savings needed when buying a home
If you buy a new home, you can still borrow 104% of your mortgage. With a home € 250,000, you can borrow up to € 260,000 mortgage. Which goes back to 2015 € 257,500 (103%). So you have more savings needed when buying a home.
20 instead of 15 years to finance tax outstanding debt
An exception to the previous point is if you are left with a residual debt when selling your old house. Including outstanding debt, you may be happy to borrow more than 103%. How much that is exactly, ultimately determines the bank that issued you the mortgage loan.
Furthermore you about this extra debt amount not 15 but 20 years entitled to mortgage interest relief. More tax so. Additional benefit: , the mortgage rate is now the lowest since the year 1540
Definitively not two but three years, double mortgage
Do you dare to take to buy when you have not sold the old house for a new risk If so, then the government gives final 3 instead of 2 years right mortgage.
The low VAT rate on labor in rebuilding remains 6%
This lower 6% rate applies until July 2015 After increasing the rate back to 21%. Please note that the 6% applies only to wages. About materials, you pay 21% tax.
Control extra duty pay for house purchase stops
The scheme allows you a maximum of € 100,000 for the buying a house may donate tax is not extended. Can benefit through December 2014 In 2015, the amount drops to € 51,407.
In 2015, everyone gets an energy label for his or her home
We wrote about it earlier: everyone gets in 2015 a preliminary energy for his or her home . The government hopes that everyone then converts this energy into a preliminary final label.
More and more easily rent out your own home
A year or five ago you had to be careful if you let your home a year. The tenant build rights so you could get into trouble. The government wants to temporarily let go make correctly. Easier That’s good for youngsters and beginners who want to rent first. Equally What the government measures in exactly go hold is not yet known.
First tax bracket down to 36% in 2015
that politicians are capable of negative news positively explain, according to the vision of the income tax. “The first tax decreased by 0.25%.” For a particle of € 49 per year. That seemed at least the message, but nothing is less true.
Earlier this year, was a tax increase of 36.25% to 36.76% communicated. This increase is so, and is becoming retrenched to 36.5%. The government therefore calls this a “windfall.” The reality is that we do not € 49 only deteriorate ahead.
How much tax you pay in 2015 is shown below.
Less income for people working
If you pay income tax, you also get a discount on these taxes. Two of those discounts are: the general tax and the employed. These discounts make sure you do not have to pay for it.
The general tax applies to everyone. Part of the income tax This discount increases slightly for incomes up to € 52,000, but it saves a few bucks a year. The government wants to encourage people to go to work. Therefore, the employed further increased by slightly less than € 500 for incomes from € 20,000 to € 80,000.
More power load for the elderly
Get your state pension, then you are entitled to in 2014 elderly allowance. Because of that extra you have to pay less. Wealth tax This surcharge disappears. The tax for the elderly with low monthly income, but a lot of money in the bank, can thus rise to € 300 per year.
Part-time work during WW-period wages goes back
Do you lose your job and you come into the WW right then it is not always profitable for the year 2014 a part-time job to get hold of. That changes in 2015, at which time the fee based on hours rather than income. So working part-time wages are
NB. Coming in WW right, keep you from 2015 for 6 months right to child allowance. At the moment this is still limited to 3 months.
We understand what it means if we have a few hundred dollars more or less per year received themselves or back. On Budget Day, it does not hundreds but billions or percentage points. Abstract concepts so. Below is an explanation.
Netherlands goes 13 billion overspend
Last year, the Queen’s speech about the change of our society. Our ‘welfare state’ was to be a private equity firm. If we look at the top three expenditure in the Netherlands who have to do with care: medical care + healthcare benefit, care for the elderly (AOW) and long-term care + nursing. Although it is a foundation of our social society, the government will want to cut this. However
in 2013 is that we still spend 13 billion more than we earn. Money we borrow the Netherlands with investors, investment funds and governments from other countries. Our total debt was last year’s € 454 billion (€ 27 000 per Dutch). Moreover, in 2015, so another 13 billion. The interest on this loan is government every year, € 8 billion, and is on place 10 of the largest government spending.
Koopkracht 2015 increased by 0.5% in 2015
Not so much a measure, but a consequence of all government measures combined, the purchasing power. The purchasing power in 2015 increased by 0.5%. For every € 1000 we now have to stand on the bank account is there in 2015, more or less at € 5. This has, among other things due to the increase in our income versus inflation. We get it, so a little bit better; a marginal difference of 0.5% in purchasing power.
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