If you win 100 million in the lottery, how long will it take to get it safely?

Although I haven't won the grand prize of 1 100 million yuan, as a ten-year-old lottery player, I have a clear understanding of the redemption process, and the day of winning the prize is just right.

If you win 100 million in the lottery, how long will it take to get it safely?

Actually, the answer is simple. It may take a few seconds or days. The key depends on the bonus distribution method of the redemption center and the winner's own arrangement.

Having said that, we have to talk about the redemption process after winning the lottery:

First, the exchange process is actually not as complicated as everyone thinks. Generally speaking, it can be summarized into five steps, namely, registration, ticket inspection, system exchange, tax payment and award.

Here is a topic, lottery or sports lottery. According to Article 41 of the Regulations on Lottery Management, the winner shall redeem the prize within 60 natural days from the date of drawing the lottery. If it is overdue, it will be deemed invalid and will not be exchanged. So once you confirm the winning prize, don't miss the redemption time, otherwise everything mentioned below will be out of the question.

Take the sports lottery as an example, briefly describe the redemption steps and required information:

First of all, it is clear that the award-winning level is related to the award-winning location, and local regulations are different. Take the sports lottery as an example. In some areas, it is stipulated that the single-note bonus of less than 5,000 yuan should be paid at the betting site, 5,000 yuan-65,438+10,000 yuan should be paid at the municipal sports lottery center, and more than 65,438+10,000 yuan should be paid at the provincial sports lottery center. For the grand prize of 1 100 million yuan, no matter which province you win, you need to pay it. Don't forget to check the address of the provincial sports lottery center in advance.

Closer to home, winning 1 100 million, what steps do you need to take to win?

First, the first step is to "register". The winner takes the ID card and the winning lottery ticket to the redemption center, and fills in the color variety, issue quantity and personal related information according to the regulations;

The second step is to "check in". The process of "checking tickets" is actually the process of checking the authenticity of lottery tickets. Enter the barcode of the lottery ticket into the database, and if the lottery ticket is genuine, a receipt will be automatically generated.

The third step is "systematic payment and fund transfer", which can be regarded as "manual audit". The staff will input the winning information into the computer, confirm the total winning amount, and then enter the next process-"paying taxes".

The fourth step is "paying taxes". According to the individual tax law, 20% personal accidental income tax is required for lottery winning tickets with a bet of 654.38+10,000 yuan or more, that is, 20 million yuan is required for the total winning amount of 654.38+100 million yuan, and the remaining 80 million yuan is owned and controlled by the winner.

The process of "paying taxes" is complicated. First, the staff is required to withhold and pay after calculation and confirmation, and issue a "tax withholding certificate". The tax authorities need to stamp the withholding certificate, and the winners need to sign the tax payment certificate for confirmation.

The fifth step is "receiving the prize". After paying taxes, the remaining 80 million yuan belongs to the winner, and the redemption center issues a "redemption check", usually a "cash check", because Article 26 of the Lottery Management Regulations clearly stipulates that the winning prize should be paid to the winner in the form of cash or cash check.

Getting a check does not mean that the winner's 80 million yuan will be "received". According to the use of cash checks, cash checks can only be used for cash withdrawal, not for transfer. At this time, the winner needs to bring the cash check, ID card and a bank card of the corresponding bank to the bank to complete the cash withdrawal, and deposit the money in the cash check into the bank card of the same name.

Second, some "episodes" in the redemption process are the whole redemption process. It seems simple, but there are actually some "episodes":

For example, before winning the prize, does the winner need to prepare sunglasses or some "doll clothes" to keep it secret? Actually, it's not necessary The award-winning center always keeps some sunglasses and doll clothes. The prize center will provide it free of charge after the winner requests it.

For another example, do winners need to "donate"? This problem is the most discussed by everyone. In practice, there will be some journalists and welfare workers in the exchange center. They may "beat about the bush" and suggest the winners to donate, but the decision whether to donate or not is entirely in the hands of the winners. Even if they don't donate, they won't delay redemption. You can rest assured.

However, it should be emphasized that if you choose to donate, you don't need to pay personal income tax on the donation. For example, if you win the 1 100 million prize and donate 20 million yuan, the actual tax payment is 80 million * 20% = 1 60,000, not1100 million * 20% = 20 million.

Third, how long will it take to arrive safely? Anyway, "How long will it take to get there safely?"

We have mentioned the five steps of redemption above, which can be completed in an hour or two. According to the regulations on lottery management, bonuses are paid in the form of cash or cash checks, but in practice, the redemption center will definitely not pay 654.38 billion yuan in cash. After all, it is not safe to put such a large amount in the exchange center, and 99.99% may pay a cash check.

After receiving the cash check, the winner can pay cash at the designated bank counter.

Of course, there will be some "episodes" in the process of paying cash. For example, the counter staff will ask you if you need to buy some bank wealth management. Or some winners will worry that the bank will mistakenly think that the money is "unknown". After all, such a large amount does not match the income level of most people, so there is no need to worry. Information such as "lottery winning income" has been indicated in the column of "the purpose of cash check". After seeing this project, the bank teller can confirm that the source of funds is legal, and will not "refuse to pay", and will not report to PBOC anti-money laundering system.

By the way, what needs to be emphasized here is that after you get the cash check, you should withdraw the cash from the corresponding bank in time, because the payment term of the "cash check" is 10 days, and if the cash check written by the customer exceeds the payment term, the bank that opened the account will not accept it.

To sum up, winning 1 100 million is a small probability event, but once winning 1 100 million, it won't take long to "arrive safely". If it is fast, it can basically take "seconds" and complete the whole process from redemption to cash payment in half a day. Of course, if the winner is not in a hurry to pay cash, he can also put the "cash check" in his hand for a few more days, as long as he goes to the bank to pay cash within the prompt payment period of 10.

Arrive at the account immediately

If you win 1 100 million yuan in the lottery, you need to go to the lottery center to receive the prize with the original lottery ticket and ID card. 1 100 million yuan, you need to pay 20% income tax, that is, you need to pay 20 million yuan income tax, leaving 80 million yuan. If you want to donate more, you can donate some, and many big winners will donate180,000, and then you will wear a mask to take pictures, and then there will be staff to take pictures.

Of course, some people say that a large amount of funds in and out of the account may be frozen. This is too much to consider. This money is legal income and has a legal source. When you receive the prize, the lottery center has deducted the income tax. Money is transferred from the legal account in the lottery center to your personal account. Obviously, the source is very clear, and banks and other institutions are also very clear about these things. So your bank account will be very safe and confidential, so don't worry about it at all.

79.9 million yuan, which is a very large number, enough for a family to eat and drink for a lifetime. If you deposit money in the bank, considering the three-year certificate of deposit, the annual interest rate can reach 4%, which is 3196,000 yuan a year, with an average of 266,300 yuan per month, which is enough for a family to spend several generations normally.

To sum up, if you win 1 100 million yuan in the lottery, take the original lottery ticket and ID card to the lottery center to redeem the prize, and pay 20% of the income tax, then the staff will basically go to your bank account in seconds after the transfer is successful, and 80 million yuan will basically become your personal property.

If you win 1 100 million dollars, people will not directly transfer it to your account, because your bank card will be frozen, because your bank card usually runs thousands of dollars a month. Even if you run $10,000 and suddenly transfer $100 million into your account, the banking system will judge that you are laundering money or cheating, so it will temporarily freeze your account. Only when you take the lottery ticket, personal ID card and bank card to the bank to unfreeze can you unfreeze successfully.

So how will this billion-dollar lottery redemption center give it to you? They will give you a bank card or passbook directly, and then you can go to the bank to handle the transfer business yourself. With the winning certificate issued by the lottery center, this huge sum will arrive in your account in a few minutes, and then the original card will be invalidated.

Off-topic, don't say 1 100 million dollars now, that is, if you go to the bank to withdraw1100 million dollars a day, the bank will report it for registration.

Pay the tax and arrive safely!

It won't be long. There is a check for such a large amount. The staff of several major banks are here.

If you win 100 million, 200 million or 300 million, you will receive it immediately after completing the formalities. I'm afraid I can't win!