1. Any online loan needs to be charged first, such as cash withdrawal fee, packaging fee, production fee, membership fee, capital verification fee, insurance premium, deposit, certification fee, working capital, advance payment and unfreezing fee.

2. Under normal circumstances, it is not necessary to pay personal income tax to withdraw funds from personal accounts after investment in the platform, but only if the investment gains income. Moreover, according to different investment products, the personal income tax rate is also different, and not all investment income needs to be taxed. In addition, even if personal income tax is paid, it is generally paid by taxpayers through tax APP or tax bureau. The investment platform cannot forcibly deduct the tax funds of users.

3. The income from dividends obtained by creditors from general personal loans belongs to "income from interest, dividends and bonuses", and the applicable tax rate is 20%; Equity dividends, stock dividends and income from buying and selling stocks are also subject to the tax rate of 20%.

4. As mentioned above, not all income from investment and financial management needs to pay personal income tax. According to the regulations, national debt, special financial bonds, insurance wealth management products, fund income and RMB foreign exchange wealth management are exempt from personal income tax.

Applicable tax rate

Personal income tax has three different tax rates according to different tax items:

Income from wages and salaries is subject to 7-level progressive tax rate, which is calculated according to the monthly taxable income. The tax rate is classified according to the taxable income of individual monthly wages and salaries, with the highest level being 45%, the lowest level being 3%, and the ***7 level.

Income from the production and operation of individual industrial and commercial households and enterprises and institutions are subject to a progressive tax rate of 5 levels. The income from production and operation of individual industrial and commercial households and the annual taxable income from contracted operation and lease operation of enterprises and institutions are classified into grades, with the lowest grade being 5%, the highest grade being 35%, and the first grade being 5.

Proportional tax rate. Personal income tax is levied on income from remuneration for authors, remuneration for labor services, royalties, interest, dividends, bonus income, income from property leasing, income from property transfer, accidental income and other income, and the proportional tax rate of 20% is applicable. Among them, the proportional tax rate of 20% is applicable to the income from remuneration, and the tax payable is reduced by 30%; If the one-time income from labor remuneration is abnormally high, except for 20% tax, the part of taxable income exceeding 20,000 yuan to 50,000 yuan shall be calculated according to the provisions of the tax law, and then levied according to 50% of the taxable amount; More than 50,000 yuan, plus 100%. "