得する人損する人|実質2000円で豪華な特産品がもらえる「ふるさと納税」!

※あのニュースで得する人損する人 2012年12月19日放送分より

2014年春から実施される消費税の増税。

その制度によって、
家計はより圧迫されるという見方もある。

しかし国や自治体が行っている制度には、
家計を苦しめるどころか得する制度がある。

そこで今回は国や自治体の行っている、
全国の得する制度を紹介する。

実質たった2000円で何倍もする値段の
豪華な特産品が続々届く制度

番組が訪れたのは、
実質2000円支払うだけで、
豪華な特産品が続々届くという山田祐介さんファミリー(仮名)。

山田さん一家は4人家族。

すると早速宅配便が届いた、

中身を確認するとなんと、
山形のブランド牛「尾花沢牛500g」。

実際に取り寄せたら定価約5000円の豪華特産品である。

更に大分県のブランド牛「豊後牛 花房姫500g」、
衣がついてあとは揚げるだけの「中津からあげ720g」が届き、
豊後牛とセットでお取り寄せしたら、
定価約5000円の特産品。

しかし、山田家に届いた特産品はこれだけではなかった。

奥様が冷蔵庫から取り出したのは、
宮崎県の「綾ぶどう豚600g×3パック」。

こちらも取り寄せたら定価約5000円相当。

これらを合わせる合計約1万5000円のお肉である。

実質2000円で手に入るとは到底思えないが、
ある制度を使えばそれが可能になるという。

得する制度「ふるさと納税」

その得する制度とは「ふるさと納税」である。

ふるさと納税とは、
2008年に始まった制度で、
税と名前はついているが、
実は地方自治体への寄付金の事である。

この「ふるさと納税」を使って、
応援したい地方自治体に寄付をすると、
お礼の品としてその自治体の特産品が貰える場合がある。

しかしたった2000円で、
こんな豪華な特産品を贈っていては、
地方自治体の財政が破綻してしまうのではないか、
という懸念もある。

実はふるさと納税に関しては、
2000円を超える分に関しては、
確定申告の際に控除されて戻ってくる。

例えば上述したお肉の場合、
1つの品につき寄付金は1万円である。

3つであると3万円が必要である。

しかし確定申告をすると、
自分の住んでいる自治体から2万8000円が控除され、
戻ってくる為、
実質2000円の負担になるのである。

実際に山田一家がふるさと納税をする模様を見せてもらう。

ネットでまずは「ふるさとチョイス」という、
ふるさと納税ポータルサイトにアクセス。

ふるさと納税の特産品の数は、
全国で1万以上と言われているが、
このサイトではその特産品をジャンルごとに閲覧でき、
気に入ったものをクリックするだけである。

但しこれらの特産品が、
実質2000円で無限にむらえる訳ではない。

寄付金の上限額

実は寄付金の上限があり、
その金額は家族構成と年収で変わる。

例えば夫がサラリーマン、
妻が専業主婦、15歳以下の子どもが2人いる場合。

給料収入が300万円なら寄付上限1万2000円、
給料収入が400万円なら寄付上限2万円、
給料収入が500万円なら寄付上限3万円、
給料収入が700万円なら寄付上限5万5000円、
給料収入が1000万円なら寄付上限9万円となっている。

どの自治体に寄付するのが得?

ではどの自治体に寄付するのが得になるのか、
「ふるさとチョイス」サイト運営者の須永珠代さんによると、
注目の地域は鳥取県だという。

その他の自治体では、
1万円の寄付金に対して、
3000~5000円程度の特産品を贈る所がほとんどだが、
鳥取県庁は7000円相当の特産品を贈っている。

鳥取県の特産品は本当にお得なのか?

しかし鳥取県といえば砂丘。

特産品が豊富なイメージとは程遠い。

本当に鳥取県の特産費はお得なのだろうか。

という事で、
番組は鳥取県庁を取材。

鳥取県はここ最近寄付金の額が増加しており、
2013年度は約5683万円も集まり、
最終的に2013年度は1億円集まる見込みがたっている。

そして鳥取県の特産品として、
松葉ガニ」が紹介され、
松葉ガニを1匹丸ごと贈られる事が明かされた。

普通にお取り寄せすれば定価約1万4000円相当の品だが、
ふるさと納税を利用すれば、
実質たったの2000円で贈られてくるのである。

更に定価約7000円のステーキ肉、
米そだち牛150g×5」も、
ふるさと納税によって実質2000円で贈られてくる。

寄付金を多く集める自治体「米子市」

そんな豪華な特産品で人気の鳥取県庁だが、
身近にふるさと納税の寄付金を、
多く集める自治体があるという。

それは米子市である。

実は県と市区町村は別々に寄付金を集めている為、
例え同じ県でも互いに切磋琢磨するライバル関係にあたる。

という事で番組は米子市へと向かった。

米子市は2013年度は10月の時点で既に、
寄付金の額が1億円を超えていた。

米子市では図書館の立て直し費用の一部と、
本の購入をふるさと納税で、
更に米子市内に誰でも入る事の出来る足湯を設営。

寄付した人だけでなく米子市民もしっかり得していた。

レビュー

前々から耳にしていた「ふるさと納税」。

特産品が贈られてくる事も、
知っておりましたが、
正直舐めておりました。

日頃から地方の特産品をお取り寄せする、
食通には非常に嬉しい情報ですね。

オススメ関連記事

人気記事TOP5

              

    

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