Cukai Pengeluaran Awal KWSP Tidak Patut Dikenakan
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Pihak pencarum ingin mendapatkan penjelasan dari pihak kerajaan adakah cukai lapan peratus juga dikenakan keatas pengeluaran mengurang / menyelesaikan baki pinjaman perumahan, pelaburan dan pengeluaran penuh Akaun 2 bila mencapai had umur 50 tahun? Pengeluaran ini membolehkan ahli mengeluarkan kesemua atau sebahagian simpanan dalam Akaun 2 apabila mencapai umur 50 tahun sebagai persediaan awal sebelum bersara. Pencarum ketika ini boleh membuat pengeluaran separa KWSP pada usia 50 tahun sementara pengeluaran penuh hanya dibenarkan selepas pencarum bersara iaitu 55 tahun. Pihak kementerian harus memberi penjelasan tentang masalah ini agar ianya tidak mengelirukan pencarum.
Sekiranya pihak kementerian kewangan mengenakan cukai keatas pengeluaran seperti yang tersebut sudah tentu ini akan mengurangkan hasil pendapatan pencarum. Sepatutnya pencarum diberi kebebasan mengeluarkan wang simpanan mereka dalam dalam KWSP dengan syarat tidak melebihi keperluan yang dibenarkan bukannya dengan menyekat serta mengenakan cukai keatas pengeluaran yang dibuat sebelum mencapai umur 55 tahun.
Walaupun tujuan pihak kerajaan memastikan agar wang tabungan pencarum mencukupi setelah bersara tetapi dengan mengenakan cukai keatas pengeluaran pencarum secara tidak langsung menyebabkan tabungan pesara tidak mencukupi untuk kegunaan selepas bersara. Katanya lagi “Oleh itu, pengeluaran awal sebelum mencapai umur persaraan 55 tahun akan menyebabkan objektif asal bagi memastikan rakyat Malaysia mempunyai tabungan mencukupi ketika bersara tidak dapat dicapai,” katanya kepada pemberita di lobi Parlimen baru-baru ini.
Kalau pihak kerajaan mahu rakyat Malaysia mempunyai tabungan mencukupi ketika bersara, maka pihak kerajaan jangan menaikkan harga barangan keperluan, PTPTN hendaklah dimansuhkan, Cukai Barangan dan Perkhidmatan (GST) jangan dilaksanakan sehingga pendapatan per kapita rakyat melebihi taraf kemiskinan. Jangan mengenakan cukai kepada pesara yang tidak mempunyai pendapatan tetap. Dengan cara ini sekurang-kurangnya para pesara yang tidak mempunyai pendapatan tetap akan hidup lebih aman dan tenang tanpa memikirkan cukai dikenakan keatas mereka.
Kita harap pihak kerajaan mempertimbangkan serta mengkaji semula cadangan tersebut agar ianya tidak menyusahkan dan membebankan rakyat terutama golongan yang berpendapatan rendah dan sederhana. Kerjasama dengan pihak yang berkenaan amat dihargai.
Jofri Jaraiee
PAS Miri. Sarawak
English version
Early Withdrawal Taxes of EPF Should Not be Imposed
Deputy Finance Minister Datuk Ahmad Maslan in a press release recently said the government would not impose any tax on withdrawals Private Retirement Scheme (PRS) after reaching the retirement age of 55 years but eight per cent withholding tax is only imposed if the withdrawal is made before the age of 55 years and it aims to curb the tendency to withdraw their savings before they fall due. Introduction of PRS in effect from Year of Assessment 2012 is to encourage savings among the people after the age of retirement.
The contributors would like to get a clarification from the government is eight per cent tax is also imposed on withdrawal to Reduce/Redeem Housing Loan, investment and full withdrawal of accounts 2 when reach the age limit of 50? This release allows members to withdraw all or part of their savings in Account 2 at the age of 50 years for early preparation prior to retirement. Contributors to this point can make a partial withdrawal of EPF at the age of 50 years, while a full withdrawal is only allowed after the contributor retires at 55 years. The finance ministry should provide clarification on this issue so as not to confuse contributors.
If the finance ministry to impose such a tax on the withdrawal, this of course will reduce the revenue of the contributors. Contributors should be given the freedom to withdraw money from their savings in the EPF provided that the requirement does not exceed the permissible limit and not to impose a tax on withdrawal made before the age of 55.
Although the purpose of the government to ensure that sufficient savings upon retirement of contributors but by imposing a tax on the withdrawal of contributors indirectly cause insufficient pension savings for use after retirement. He added that "Thus, early withdrawal before retirement age of 55 years will lead to the original objective of ensuring that Malaysians have sufficient savings at retirement cannot be achieved," he told reporters at the Parliament lobby recently.
If the government wants the people of Malaysia have sufficient savings when retirement, then the government should not raise the price of goods, PTPTN to be abolished, Goods and Services Tax (GST) should not be implemented until per capita income exceeds the poverty level. Do not impose a tax on pensioners who do not have a fixed income. By doing this at least the pensioners who have no fixed income will live in peace and calm without thinking about taxes on them.
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