Likbez: benefits and allowances for the self-employed — what is required and how to get
Since 2019, reminds the portal
When registering in the My Tax app, self-employed people automatically receive a tax bonus of 10,000 rubles. This money covers part of the tax payments. While there is a bonus, the professional income tax (PIT) rates are 3% if the payment comes from an individual, and 4% from a company or individual entrepreneur. After the amount is exhausted, the rates rise to 4% and 6%, respectively.
Make-up artist Olga K. from Samara did a make-up for a client worth 5,000 rubles. At the normal tax rate, she would pay 200 rubles in tax (4%) for this service, but she has not yet exhausted the bonus, and therefore she will pay 150 rubles as a tax (3%).
The tax bonus cannot be cashed out and spent as you see fit. The money is provided as an incentive tax measure. You do not need to write an application and apply for a benefit — the application will independently take into account the bonus in the calculations.
The self-employed, whose income for the last three months is below the regional subsistence level, can conclude a social contract with the Department of Social Protection of the Population. The agreement provides for financial assistance in three areas:
- Training and education. You can get up to 30 thousand rubles from the state for these purposes. You can spend the amount on retraining or advanced training courses.
- Maintaining a private household. A self-employed person can count on assistance in the amount of up to 200 thousand rubles. Money can be spent on buying livestock, feed, seeds, farm equipment, etc.
- Opening a business. The maximum amount of material support in this area is up to 350 thousand rubles. Funds can be used to rent premises, purchase equipment for production, materials, etc.
The task of the state is to help the self-employed to start their own business and reach a stable income. If the money was spent for other purposes, for example, instead of the declared lease of the premises, he bought a car, then the material assistance will have to be returned. To conclude a social contract, you need to come with a package of documents to the MFC or the Office for Social Protection of the Population at the place of residence and submit an application.
Reduced fees when receiving payment via SBP
Self-employed citizens can accept payment through the fast payment system (FPS). The buyer of a product or service can send money using a phone number in a banking application, a QR code, or a payment link. For the self-employed, this payment method replaces acquiring (a terminal for accepting payments using bank cards), which is available only to companies and individual entrepreneurs.
For the self-employed, reduced commissions are provided when receiving payment through the fast payment system. The preferential commission is 0.4% of the payment amount, but not more than 1,500 rubles. To connect the service, you must conclude an agreement with the bank. An up-to-date list of financial institutions participating in the program can be found on the website of the Faster Payments System.
The self-employed can count on receiving preferential loans from entrepreneurship support funds. Interest rates vary by region, but average 3-5%. For a period of up to two years, you can borrow from 50,000 to 500,000 rubles.
Such loans are targeted — they are given for specific purposes. The money can become start-up capital, or it can be spent on the running costs of an existing business. In any case, it will be necessary to confirm the targeted spending of funds using documents: payment order, invoice for payment, sale and purchase agreement, etc.
Upon approval of a preferential loan, the credit history and credit rating of a potential borrower will be assessed. If they suffer, then the loan may be denied.
The state also provided for various measures to support the self-employed of a non-financial nature. In the My Business centers, you can consult for free on the registration of intellectual property, sales on marketplaces, participation in public procurement, etc.
There are business incubators in some regions of Russia. These are organizations that help start-up entrepreneurs grow their businesses. Often business incubators offer to rent premises on preferential terms. For example, in the Astrakhan region, the first year of rent will cost 40% of the standard price of the premises, the second year — 60%, and only in the third year will they be asked to pay all 100% of the rental rate.
Special co-working spaces have been created on the basis of My Business centers in a number of regions of Russia. Self-employed people can use a workplace with a computer, a meeting room or a conference room free of charge or at a small cost.
By the way!
The self-employed do not pay contributions to the Social Fund of Russia (SFR), which means they cannot claim temporary disability benefits. However, from July 1, 2023, everything can change. The Ministry of Labor proposed to include the self-employed in the updated program of voluntary social insurance. The self-employed will be offered to independently choose the amount that he wants to receive in case of illness:
- 32,484 rubles, i.e., two minimum wages (minimum wages), for a full month. In this case, the amount of the monthly contribution for the self-employed will be 1247.38 rubles per month.
- 48,726 rubles (three minimum wages for a full month). In this case, the amount of the monthly contribution for the self-employed will be 1871 rubles per month.
The right to disability benefits for the insured person arises after six months of paying contributions to the SFR.
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