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Home » Reader question » Reader question: Can I emigrate to Thailand with only state pension?
Dear readers,
Am 65 and want to emigrate to Thailand and get married. Between now and October 2014. Want to live there permanently.
Get information from the embassy. But you must have an income of 65.000 bth per month or 800.000 per year. Seems high to me for a pensioner?
Is there another way to do this?
With kind regards,
Aloys
Dear Aloys,
It concerns a combination of 65000 income or 800000 in the bank, but also a combination of both, for example 400000 in the bank and an income of 650000 (but both are broadly speaking, I didn't feel like breaking it down to the cent). to calculate.)
So if you put an amount, say 400000 in a bank account in Thailand, then your income of 65000 is enough, but you must be able to demonstrate this amount or combination of both each year, when applying for or extending a visa.
Now about the income; 65000 a month is not a lot of money, not even in Thailand, but it is doable, but you cannot afford jumping jacks, a normal apartment, meals and 2 beers should work, but you cannot afford unexpected large expenses
I just read that you are planning to get married, then you get a completely different story, for that it is important to know whether or not she has an income before I try to explain that.
Greetings and good luck and wisdom
Lex K.
With an income of 65 thousand baht you do not have to have 400 or 800 thousand in the bank. Either you have 800 thousand in the bank, or you have 65 thousand months income. Or you combine both up to 800 thousand baht on an annual basis.
The amount of 400 thousand baht applies to a “married” visa. You can keep an eye on that, because you want to marry paln.
In terms of exchange rate, a single person's state pension is currently about 44 thousand baht per month, so all in all 450 thousand baht annually. If you still have 350 baht in the bank, you can consider a retirement visa. Save another 50 thousand together and you will have your 'married' visa, which will make you less dependent on exchange rate fluctuations.
Your monthly amount to be spent is of course less due to the health insurance premium, but is separate from the income requirement. The application concerns gross amounts, not what remains net. Whether you can do it with little depends on yourself and, of course, how things are with your future partner. Don't be fooled: one has enough to live with 25 thousand baht a month, the other does not have enough with 100 thousand baht.
If you get married after 1-1-2015, you will no longer receive a partner allowance, and your AOW amount will fall back to approximately 750 euros per month/33 baht. You have to compensate for this with more money in the bank.
What nonsense.
With 65000 bath one can live well, jumps?, Just bought a psi d180 and also a new one
Computer and I do that with 40000Bath per month
Greetings
It is also my complete conviction that as an individual (so not a family) you can live VERY WELL in Thailand with 65.000 Baht per month.
In addition to the aforementioned and the two beers, I believe that a massage can be done at least every day and a good shopping session every month ...
With more than 1.600 euros (65.000 Baht) you can even live more than decently in Flanders and the Netherlands, so that is even more possible in Thailand.
More is always better, just to be clear.
Dear A Zoeteweij,
Perhaps a bit of a personal question, but could I also see a list of your other fixed costs, because a one-off expenditure of 40.000 means nothing at all, of course.
This gentleman asks whether the requirement of 65.000 is not a bit too high for an AOW pensioner, my answer is: the Thai government sets that requirement and you will simply have to meet it, if you have less income than the stated 65.0000. you just don't get your desired visa, because let's be honest, we not only have to deal with income but also with expenses and what if the gentleman falls short, or does not have health insurance but does get sick? who will help him then? the embassy? didn't think so, the Thai government hardly helps its own citizens, the question is not whether 65.000 is enough to live on, the question, as I understand it at least, is the income requirement that the Thai government sets, not to high for a state pensioner and that requirement is too high because with just the state pension you will never reach 65.000.
with kind regards,
Lex K.
Dear Lex.K.
Be my regular dependant3.
Rental house 3500 for 3 rooms a spacious patio and an outdoor kitchen together 100 square m.
Elec less than 1000
Water less than 100
Internet for 2 computers 960.
I have a psi dish with I don't know how many channels, but BVN.
I live in Phitsanulok which is not expensive.
Am in possession of a health card Hospital, in addition I also maintain one
young man 17 years old who still goes to school, and that is my biggest expense.
Sincerely:
Anthony Zoeteweij.
Dear Lex,
I wouldn't want to give them a living in the Netherlands, who have to live on about 1400 euros net per month. If you sit at the bar every day in Pattaya or you have a condo on Sukhumvit, it becomes difficult.
In Belgium they call that: "having a thick neck"
Greetings,
Dear Puwadech,
That's what I mean by leaps and bounds, 65000 per month seems like a lot of money, but the placer of the question gives very little information, health insurance, rent or buying a house, children of an expectant wife who may need to be maintained and you have to keep a reserve, if you have to go back to Europe once a year, that is already a major blow to your budget, and don't forget your medical expenses, if you don't have insurance and you get sick, you're good Sjaak. (sorry Sjaak, not meant personally, just an expression)
I also know that you can live with 30000 a month, I did it myself for 4 months, but I had no housing costs and I was alone and I could just eat and drink a beer, but the things that make it so nice for tourists I really couldn't afford to make in Thailand.
Pat says it's his absolute belief that 65.0000 is a very good life but it's just his belief not his experience at least if I take what he writes literally but just make a nice list of your fixed costs if you must rent, electricity, water and add everything together, you are shocked by the amount that will come out, Thailand is not as cheap as it once was and it certainly depends on the location where you settle.
You understand me well, dear Lex. It is indeed not my experience, but an objective attempt to estimate whether 65.000 Baht is feasible to simply live well in Thailand.
I certainly cannot make do with 65.000 Baht per month, I am not a person who can budget well and I probably need 100.000 Baht per month because I am more ambitious than eating meals and drinking a beer...!
It is rightly said here that you may not be able to make a statement about that 65.000 Baht without listing the things that you have to depend on (a house?, a car, etc.).
But even if all these things still have to be paid every month, I think you can live decently in Thailand. So more than meals and two beers a day.
You certainly can't live like Big Jan in Thailand with 65.000 Bath, but I think you can live decently.
65.000 Baht is plenty. . .Enough. It depends on how you want to live. Remember, most average Thais only earn 10.000 to 20.000 per month. He also drives a car, goes to dinner, has a house and drinks a beer. I don't know how you arrived at that figure of 65.000 Baht (= equal state pension??). At the current rate (44 BHT) you will have to pay approximately € 1450 NET!! . Receive AOW? Not bad.
I think a previous poll has established that you cannot or should not compare the standard of living of a Thai and Westerner, there has been a whole article about it on TB, why can a Thai survive from 30.000 and a Westerner cannot and whether the Thai was not entitled to the same standard of living as the Westerner, you cannot say; because a Thai can survive on 20.0000 a month, a Westerner can too, that is impossible, we might last for a month, maybe half a year, but not longer, we just lack something for that, we refuse to deny ourselves certain things and in unlike a Thai, We don't have a social safety net there, like family and neighbors.
With kind regards,
Lex k.
If you go for a retirement extension of the visa with which you enter, the requirement is 8 baht in the bank here OR 65.000 b income per month OR a combination of the two together 2 baht.
If you are married, lower amounts apply, but more papers are required. Consult the Immigration site for this.
You are now 65, so you are entitled to a partner allowance, which depends on the partner's age and own income. Please note, the rules for partner allowance will change radically on 1-1-15, also for people who already have that allowance. Your AOW remains taxed in the Netherlands, but you can request an exemption from national insurance and health insurance contributions.
Getting around should work as indicated above. You are there yourself.
But the biggest concern for you is the health care policy. If you have it and if you keep it, that is a bite out of your budget, but that risk is covered. If you have to pay the healthcare costs yourself, your AOW may be too small. I especially want to draw your attention to this point.
Erik that is not correct. I have a letter from SVB stating that for existing cases regarding partner allowance nothing will change for me on 1-1-2015.
Or also something to think about, health card for foreigner in a hospital in the place where you are going to live
that costs 2200 baht per year.
Greetings.
Aloys@ I can tell you this from my own experience. Just do it. If, like me, you just have a state pension and you report that you are going to live together, you deregister from the pick-me-bald country, nothing more is necessary. You will then receive an allowance for your partner if she is younger than you, which lasts until 2015, after which the scheme will end. So then together you collect approximately 1020 euros net. If you calculate that life in Thailand is 50% cheaper than in the Netherlands, you are in the right place. You have to pay close attention to one thing, check if she has debts elsewhere. Is she in the house and has that been paid for? Then don't go to the pubs, buy a cool Vigo or finance a house. And agree that you will come to Thailand purely for her alone, so that you do not want to share in her family's financial worries. If you succeed, you will live like a prince in this beautiful country. If she has school-age children, you will of course take that care. If you show mutual respect, even language is no problem. Your state pension, if it is 1000 euros net, is sufficient to come here. Many know everything better, but I speak only for myself and from experience. Ps You do have to arrange something with your health insurance in Thailand. There is also a good Dutch-speaking insurance agent in Hua.
If you can't figure it out, you can email me.
If you're lucky they'll post my comment.
[email protected]
Editorial: I've added spaces after periods and commas to make your response easier to read. Don't mention it.
A thank you is really in order here, posted by this semi-illiterate.
Thanks anyway, I'll have to pay more attention to it. bye.
Jan, your message is appreciated! By placing some periods and commas, you simply make even more readers happy, and things are more clear! Nice of the moderator to do that for you.
Dear Jan good luck
If you were born before 1950, you will receive a partner allowance. Nothing will change in 2015
You will continue to do so until your partner is also 65. Then she must have lived in the Netherlands
Your state pension will count from the age of 15 for every year that she has not lived in the Netherlands, there will be 2%
Off. You have often said that if you get married in Thailand you are entitled to a Partner Allowance. How on earth do you get to that
If he marries a Thai who has never lived in the Netherlands, he will receive NONE for her
partner allowance. And it falls back to 708,51 euros. Provided he gives up in the Netherlands that he is married
He also receives a holiday allowance of 49,81 euros per month.
SO YOU MARRY IN THAILAND THEN YOU GET NO PARTNER ALLOWANCE FOR HER
Jan Geluk writes: “If she has school-going children, you naturally have to take care of that. If you show mutual respect, even the language is not a problem.”
That is absolutely not true if you only have an income of 1000 euros a month….
After all, don't you want to give young children a reasonably good education when they are 18 years old?
You want to send them to a Thai university, don't you?
ok the semesters (2x 5 months per year can cost about 6400 baht per semester.
But then the apartment where they have to live….
Those costs on average around 20.000 baht per semester…
Then you also want to let the child eat or should she scrape the food off the street?
Then the little things for living that also cost money, don't they?
So 10.000 baht per month for that is not a lot of money, is it?
In other words, for a child studying at the university in another place where you live, you have lost an average of around 17.000 baht, which is now about 400 euros.
Ie if you have an income of 1000 euros per month, then there will certainly be 400 euros off per month and you will have 600 euros (26.000 baht left over per month to be able to pay everything yourself in rent, etc… ..
We are talking about 1 child studying…
Do you really want that?
I don't think so because to live on 26.000 baht per month for 2 people is really too little and you will go crazy here in Thailand with misery ...
Dear m.mali
Then I'm glad I live in the Netherlands, which you think is much cheaper than Thailand
wall ex the rent, I can live here just the two of us with 600 euros. With our youngest son who still lives at home. For the record
Jan luck has his own house so he doesn't pay rent.
There are plenty of expats in Thailand who manage just fine with their state pension
I don't understand one thing, we 2 people live together including the partner allowance together of 1020 euros. And from this we save 20.000 bats in monthly costs. That is gas, water, electricity, cleaning rights, internet, and TV connection. And food that we prepare a lot ourselves, even in the Netherlands I didn't eat out every day, so not here either.
We are not night-goers or pub-goers or own an expensive Vigo. If you still have more than 20 baths left per month, you can safely send your child to study in Thailand. We are fortunate that we do not have any rental costs, we do have 2 houses of our own that the woman has earned by working hard in the past and to live frugally. And your partner, if he or she is younger, does not really have to have lived in the Netherlands to be eligible for a partner allowance if she lives with you or is married to you. I am married in Thailand, so I do not understand why Kees 1 says that you will not receive a partner allowance. So what?
So in Mali, if you have 24.000 baths left per month from your 44.000 income, you can still let your child learn from the remaining 250.000 baths if necessary. In addition, there are also many students who earn extra income or simply live at home. The daughter of My wife lived at home during her studies at the University of Udonthani. The result is that she now has a top job at a bank in Bangkok.
Every bird sings as it beaks, and every house has its cross. The art is mainly to live according to your income, and to be happy and satisfied with it. Sometimes a child needs a good father, the wife needs a good family man and husband. And that is priceless.
However, a visa is bound by financial requirements, and hopefully the questioner of the topic will comply with this. A society can become richer from an immigrant, without having to pay or prove themselves blue.
Jan makes us think that it is possible .
His wife has extra income with which he is lucky .
I don't think Jan tells everything completely honestly, or am I wrong.
He writes himself?
His wife has 2 houses, mine too since I was 65, they are work houses.
Bloggers simply do not mislead people by not mentioning certain income that you have.
Jan Geluk, we are both right. If on or after 1-1-15 your partner dies or leaves and you find a new partner, you will no longer receive a partner allowance for her and you will continue to receive the 50% benefit. But as long as nothing changes, indeed, nothing changes for existing cases on 31/12/14.
Mr. or Mrs. A. Zoeteweij, that plan has been withdrawn. Existing rights may be respected, but new applicants are no longer eligible.
A few years ago, the tax legislation in the Netherlands changed with regard to tax partner, so registering with a friend is an option and you keep your health insurance, the disadvantage is that you have to be in the Netherlands every now and then,
I know from experience that if you report it to the health insurance company and ask how long you can stay away, the answer can be very different.
You can book travel insurance through the health insurance that covers you for 1,5 years, in my case this was DSW who offered this.
Officially you have to stay in the Netherlands for 4 months.
The cheapest provider in Thailand is a French company ACS and the cheapest premium is 65 to 70, namely $ 2110 is converted to 106 euros per month outpatient and all existing diseases are excluded
more than 4 months and you must then register with the municipality. Then all the tax nonsense starts again and you can bleed a lot financially. BUPA for 49.000 baht per year and if you don't claim you get 10% back the following year. This comes down to 100 euros per month, but outpatient, so medicines, pay yourself. That is not such a problem because medicines in Thailand are much cheaper than via the Dutch scam system
Those costs for that visa are PER YEAR!
and you do not have to “stay” in the Netherlands for 4 months: you must have been living in the Netherlands for at least 4 months! So all social security costs are also deducted from your income. So with an AOW, more than 2200 euros per year is deducted. You don't pay that if you just stay in Thailand according to the rules. An AOW is 1040 euros per minute + 50 euros holiday allowance per minute (paid out in May). that is about 49000 TBT (with a favorable exchange rate). With your method that is 39000 TBT per month. And then you can hope that you will never end up in the hospital, because you are not insured for that.
I read and always hear amounts of those 65.000 bt / 800.000 bt savings, but when I look at the site of the Thai consulate, it says a lot different (with a Non-Immigrant type 0 ) what this is about I think?)
Here the consulate talks about 600 euros per month as a single person or 1200 as a married person (or 20.000 euros in a savings account)
Here's a snippet of it:
*****
Requirements for a Non-Immigrant type O (other), single and multiple entries.
You must be 50 years or older to be eligible for this visa.
The following forms/documents are required for this;
-Your passport, copy of the passport, copy of the airline ticket/flight details, fully completed and signed application form, copy of your recent income details, no annual statement (minimum €600 per month per person in income or €20.000 in a savings account),
-If you are officially married or cohabiting and one of the partners has no income, the monthly amount must be 1 per month.”
*******
Is this correct or is the official site wrong information? Now it will take me a while before the time comes, so I'm not going to call there, but for those interested I'll give the link to the site:
http://www.royalthaiconsulateamsterdam.nl/index.php/visa-service/visum-aanvragen
Kid
These are indeed the amounts that the consulate asks to obtain the visa.
In Thailand it is 65.000t / 800.000 or combi.
Those are the amounts that Immigration asks to prove in order to obtain an extension in Thailand.
I don't quite understand all those stories about partner allowance. The allowance is calculated, among other things, according to the number of years that the partner has lived in the Netherlands. There is therefore no allowance if the partner has never lived in the Netherlands. Read the conditions of the SVB.
Can you get by in Thailand on a state pension alone? As long as you keep an eye on those 800.000, I think so. Sobertjes it will be, but well, that's it in NL too. Considering age, you should still think about good health insurance. Traveling to the Netherlands will be very difficult with only a state pension. Also remember that you are seen as a rich farang and you really are not. Wife and family will want to enjoy your "wealth". You can't live up to that. How do you and do they deal with it?
Another Ko@ who says that your younger partner must have lived in the Netherlands to be eligible for the partner allowance. Where do they get this information from hearsay, perhaps in the pub? I also receive my state pension from the SVB, so I don't know which SVB he means that says that your younger partner must have lived in the Netherlands.
That sweet darling of mine has never been outside the isaan. Yes, she picked me up in Bangkok once. We flew back together. It was her first flight and the darling spent 1 hour staring out and marveling that the plane's wings didn't move like a bird's.
I have been living in Thailand for over 7 years and have also been deregistered in NL for years and have been receiving a partner allowance for my 20 years younger sweet darling for years.
So we live very well together on 1020 euros.
If I had to live on 10.20 euros in NL and take care of her, it would be poor.
Think of house rent / gas, water, electricity and all kinds of costs and rules from the picking country.
Dear Jan good luck
Why don't you just google the site of the SVB. Then you can read it yourself
You are not entitled to a partner allowance. The amount you receive is for a single person
1025, 51 euros net per month. If you state that you are married, you lose that
and that will be 708,51 euros net
If you do have a partner allowance, that would be 1228,88 euros.
I'm retiring in August. And know exactly what I get and what I am entitled to
Pon my Thai wife
Who I married when she was 18 years old and then went to win in the Netherlands
I receive a 6% less allowance because she has not lived in the Netherlands since she was 15 years old
I assume that Jan Geluk is not your real name. And that's a good thing, I'm not the only one reading this. Wand you are not entitled to the amount you receive now
There's nothing I can do about that. So don't get mad at me
Well my clog breaks
I have been living in Thailand for over 7 years. I have also received a partner allowance from the SVB for 7 years because my partner is younger. Received a message that nothing will change financially for me as of January 1, 1. And then a certain Mr. Kees 2015 first comes and tells me that my name is not Jan Lucky and then he responds with the words You are not entitled to a partner allowance. The amount you receive is for a single person
1025, 51 euros net per month. If you state that you are married, you lose that
and that will be 708,51 euros net. I am glad that this man does not work for the SVB, because then all my 12 Dutch friends who are in the same situation would all receive an unfair partner allowance from the SVB. If this Mr. Kees 1 claims that it is on the SVB website, then it is a complete lie or he reads something that is not there. I have Digid and my own SVB account through that data and I don't understand what this man is talking about. No one here really understands that if I live abroad as a cohabitant or married person, I receive 708,51 euros from the SVB and also for my 20 years. younger partner has been receiving an allowance for years, so that together we receive 1025,51 euros from the SVB, which is a given? My wife is even registered with the SVB with her name, passport number, etc. as being my younger partner and she is therefore entitled on that surcharge through me.
It's really time that someone clearly states that the SVB has nothing on the site that means you are not entitled to a partner allowance. And the allowance also depends on how old your wife is, the younger the more allowance you get, but this applies up to December 31, 2014 after that it's over for newcomers.
The amount of the benefit is correct and you therefore do NOT receive a partner allowance. You just no longer pay social security contributions in Thailand because you have been deregistered. With a partner allowance you should receive almost 300 euros more per month. Just look at the website of the SVB. It's not a pub story! I just looked it up on their site. I can't make anything else out of it!
Dear Aloys,
With your AOW you can live better here than in the Netherlands.
If you now arrive here with a Year visa that you had made in the Netherlands at the Thai Consulate in Amsterdam, then you go here to the immigration and immediately apply for a retirement visa, and if you cannot submit enough income to the official , then you go to an office that will arrange everything if you pay them 15000 bath.
If you have any questions, you can ask me via the blog.
Greetings and good luck and fun in Thailand.
Hi,
could you give me information where that is done for 15000 bath, sounds very interesting
that 15000 (have also heard much higher amounts) tbt is therefore per year. After all, you have to prove that income every year. That is a lot of money with only an AOW. And it takes just as long until someone puts a stop to that and then you can leave the country! It is of course a form of: borrowing money for 1 day and paying a ridiculous amount of interest! or “tolerated corruption”.
Yes, you've all got it right, I just want to say one thing, if you have a PC, go to the SVB.nl side and read everything you want to know about AOW, including about partner allowances and tax deductions or whether or not to be deregistered in the Netherlands, and I take that story about immigration with a grain of salt, because that is certainly not an issue in HUA HIN.
I have only been living in Thailand for 9 years and I am well known there.
Kind regards to all bon vivants.
Dear people, all stories, I have and O immigration valid for 1 year, no hassle, you go and get an income statement at the embassy of your country, you need 65000 bath, then you go and get a medical certificate 100 bath. local hospital, you make of a copy of all the stamps in your passport, you pay 1900 bath at the immigration office and that's it, walking in every three months costs nothing, every three months are free, the only problem is that if you leave Thailand you have to provide proof declaration upon immigration questions
greetings from kanchanaburi.
The cheapest health fare is prime pacific in singapore
deductible 1000 euros
and costs $1800
depends on where you are going to live in thailand bangkok pattaya a lot more expensive than isaan.
but there is money to be made here. It is just what is said, one lives on 30.000 bath a month, and another is short of 60.000 bath. just do it. and after getting married apply for a visa on marriage 400.000 baht demonstrable per year in income or in the bank account
In my view, 65.000 per month can only be done if you want to live there as a poor man. But if you sell your house in Holland and buy housing in Thailand, then a reasonable part of the monthly costs will disappear. If I look around and listen like this, 100.000 baht per month is more the rule, although I wouldn't be able to get by with that. If you want a good house, not perishing from the heat, reasonable food, a car, then it all adds up. And if you belong to the "on the rattle even", then you will see that it is not that easy in Thailand and if you manage to pay high interest rates.
I'm not going to give examples, otherwise the list of arguments will be too long.
Think about what you can spend here with your state pension or in that wonderful Netherlands.
In any case, I am glad that my Dutch ex-sex mates made me decide to live in Thailand.
As a young senior, I feel 20 years younger despite the tropics.
I don't have to pay € 2.50 for my cup of coffee.
1 nice party is also possible because visitors do not have to pay parking fees.
The stove is never on, while we can also enjoy a freshly cleaned herring in between.
My income here in Thailand is about 50.000 baht per month.
we man woman and school going child 6 years old can live well on that.
Living in the isaan and not going out.
Do drive a car and have internet, and go on average 2 or 3 times per
year for a short vacation.
We eat out 2 to 3 times a month, otherwise I or my wife cook
just nice at home.
So we have a great time here, and if there are major expenses
then we will look at how we can solve it.
And that's how we've been doing it here in Thailand for 10 years and we like it.
Greetings
Chose
Hello dear Kos,
I plan the same when my house is sold! I have been 2008% incapacitated for work since April 100 and have already been re-examined. I still have to undergo a few operations, and I have an IVA benefit from the UWV.
It is no problem to take this benefit with you to Thailand .
I have quite a good benefit from the UWV, I get 1557,45 euros, and I think that is a good way to get by in Thailand. Plus you don't have to pay taxes here anymore!
I don't know how high your AOW is? you just have to convert it, it is always cheaper in Thailand than here.
And I'm going to rent something first and then I'll see further.
Greetings Jack
very concretely once again: an old-age pension alone is not enough. You do not meet the standard for a visa. If you do get it with a savings account, you will have per month (only AOW) at the current good rate: 46000 Bath per month. Last year also had a rate of 39000 baht per month. So go for it, then it can never be disappointing. Despite all the stories around 65000 baht per month, in the worst case you have more than 25000 baht per month less.
For those who doubt or know better.
This message is from the SVB
My SVB
important to you
Your state pension allowance
In 2015, the AOW supplement will lapse for persons who reach state pension age on or after 1 January 2015. Nothing changes for you. Your supplement will continue until your partner reaches state pension age and receives state pension himself. Until then, you must notify us of changes in your partner's income.
Your annual statement
The annual statement for the past year is now available on MijnSVB.
residential address
J.Happiness
41000 MUENG UDON THANI
THAILAND
Payments
for AOW pension
expected 15-04-2014 1020,42
Ko is just right, you will not get there with only AOW.
I think it is time now to put an end to this discussion because one knows it even better than the other .
You simply need 1 supplementary pension.
You can insure against medical expenses, provided you pass the medical examination at that age.
Finished .
The moderator could use his time better.