《2025年财政预算》对我的影响
昌明经济 国家繁荣 人民幸福
Annie 觉得对个人&企业重要的重点
1) 2025 年个人税：
- 教育&医药保险减免从 RM 3000 提高至 RM 4000
- Childcare Allowance 包括老人家的 Elderly Care Allowance
- 首次购买房产(SNP 日期为1/1/25 – 31/12/2027) 可享有连续3年高达 RM 5,000 – RM7,000 的利息减免
- 若年股息超过RM 100,000, Dividend Tax 2% （EPF, ASNB, Unit Trust, Foreign Dividend Income 除外）
- I-Saraan 的政府津贴从15%升到20%，自雇人士注意啦！
- 2025年起，血液检查、Ultrasound、mammogram、Pap Smears 可以扣高达 RM 1,000
- 外国进来的收入(FSI) 受豁免至2036
- PRS 私人退休基金减免延长到 2030
- SSPN 高等教育基金减免延长到2027
- RON95 汽油，在2025年中实行针对性补贴
2) 2025年企业的影响：
- 最低薪金从 RM 1500 升至 RM 1700
- 50Million 的电子转型津贴（要Upgrade E-invoice系统的中小型企业注意了！）
- IA20%+AA40%, 实施电子发票所用的相关费用，可以在2年内扣除完资本减免
- 实行弹性工作时间的雇主能够享有多50%的税务减免
- Halal Certification 申请者可从SJPP申请高达80%的贷款担保
- G1-G4 的承包商可从SKIM CAKNA 2 获取贷款
- 逐步实行非公民员工，也必须缴纳 EPF
- 聘请残疾人与前罪犯，可享有连续3个月的 RM 600津贴
还有很多！想要报名上课Annie 老师的2025年财政预算案重点解说，请报名，位置有限！
- iFAST
- Crowe
- PWC
Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs.
Published By:
Annie Wong 黄如金
Annie is a passionate trainer who was inspired by her idol to teach what she learned and to give what she earned. She has more than 10 years of experience in the field of training and SME business consulting.
She graduated with a Bachelor in Science from Campbell University Summa cum laude (First Degree Distinction). She was awarded book prizes and Matthew Bailey Prize Award due to her distinguished academic performance. She then pursued her career switch from a Pharmaceutical Regional Manager to a Financial Consultant.
Currently, Annie is an internationally recognized Certified Financial Planner (CFP Professional) cum International Certified Professional Trainer (ICPT, IPMA, UK). She is a CMSRL Financial Planner (Licensed by Securities Commission Malaysia) and has impacted people financially. She is now one of the core trainers in the Certified Financial Coach Program and is the only accredited Color Accounting Trainer, who can train in both English and Mandarin.
