{"success":true,"timestamp":"2026-11-10T04:25:45.842Z","data":{"tax_rate":{"rate":10,"unit":"%","description":"Flat 10% on interest income (Capital Investment)"},"withholding_rules":{"business":{"deducted_at_source":true,"description":"Organization deducts 10% before paying interest. You receive net amount."},"personal":{"deducted_at_source":false,"description":"Individual borrower - you must self-declare and pay tax using Form 04/ĐTV-TNCN"}},"formula":"Interest = Principal × Rate% × (Months ÷ 12)","example":{"request":{"loan_amount":100,"interest_rate":12,"duration_months":12,"borrower_type":"business"},"description":"Calculate tax for 100M loan at 12%/year for 12 months to a business"}},"meta":{"version":"1.0.0","tax_year":2026,"source":"Finance Hub - Cú Thông Thái","legal_reference":"Personal Income Tax Law 2026, Capital Investment Income (10%)","citation":"https://thue.cuthongthai.vn/finance/tax/p2p-lending"}}