Dear readers,

I wonder if there is a difference (e.g. financial/tax technical) if someone goes to live in Thailand with a residential address in Germany, Belgium or the Netherlands?

From the Netherlands I am not allowed to stay in another country for more than 8 months per year, otherwise this will have consequences. Is this also the case in Germany and Belgium?
Renting a home is cheaper in Germany and Belgium. That can affect my residential location as a retiree! What about health insurance if you come from these countries? These are matters that can influence my decision regarding temporary or permanent residence in Thailand.

Who has insight into this difficult matter?

Yours faithfully,

Hans

11 responses to “Reader question: Is there a difference (financial/tax) if someone goes to live in Thailand with a home address in Germany, Belgium or the Netherlands?”

  1. david h. says up

    In Belgium you can be temporarily absent from your Belgian home address for 1 year without being officially deregistered, by reporting this to your municipal administration,

    You also retain your right to social security (medical intervention, e.g. hospitalization) based solely on your Belgian identity, so there are no waiting times upon return, EVEN as a deregistered person.

    • david h. says up

      Here a link to a page of a Municipal website ( is a general administrative rule in Belgium )

      http://www.aartselaar.be/nl/321/product_catalog/785/tijdelijke-afwezigheid.html

    • david h. says up

      As a Belgian, I can only inform you that you still have to file a Belgian tax return if you have been deregistered, you are taxed on your Belgian income, movable or immovable, you can be taxed on your foreign income if you are not taxed anywhere else. on …., many lines and paragraphs …(!!)

      For wealthy smart people, a court can even rule that even if you have written out, there are still such ties with Belgium that you will still be taxed if you live in Belgium, (for this consult gov.be finance), too extensive to mention here.

      Received and completed the first year of written declaration, still no result and no new declaration form yet. received .

      • fons says up

        dear David

        As a deregistered Belgian you no longer pay taxes, only on property.
        You will receive a tax notice every year, but you must have been deregistered for at least 15 months. For example, if you are deregistered in June, you will pay taxes on your income for the first 6 months, after which nothing and nineteen refunds.

        • david h. says up

          There are several more and lengthy judgments from courts that deal with those still existing ties with tax money in Belgium, among other things it is called “Seat of fortune” still having a Belgian bank account in Belgium, for example... Legal terms, not mine...
          .Just type in that term and Google will give it to you ... you also like, well, to have different versions in the 2 comments ... ..

          http://www.minfin.fgov.be/portail2/nl/themes/declaration/non-residents.htm#A1

          http://www.belgium.be/nl/belastingen/inkomstenbelastingen/particulieren_en_zelfstandigen/internationaal/

  2. fons says up

    dear David

    Your explanation that you have to pay tax when you are deregistered is incorrect.
    if you, for example, have June deregistered, you will not pay any taxes for the first 6 months after that,
    this may be different for real estate' you will not receive a refund either.
    After approximately 15 months of deregistration, you will receive a notification of income
    You do not have to pay or withdraw anything, you must have been deregistered for at least 5 years otherwise you may receive a review.

    fons khon kaen (former Wilrijk)

    • david h. says up

      And just read…http://www.belgium.be/nl/belastingen/inkomstenbelastingen/particulieren_en_zelfstandigen/internationaal/

  3. Aad says up

    To be able to give better advice, it is essential to know why you want it. You remain tax-related to one of the countries you specify, which is quite disadvantageous and difficult.
    And when it comes to benefits I would be very careful!
    With regard to the ZKV, you will remain in NL at creepy high costs and to find out what the result would be if you stayed in D or B, it will be very complicated because then you will be stuck with the Dutch CVZ anyway with the necessary costs and administrative hassle. If you can free yourself from the listed countries, I would advise you to contact AA Insurance in Hua Hin (André/Matthieu) to help you with an International ZKV. If you are over 70, most ZKV insurers will throw you out, but André or Matthieu have a solution for that.

  4. Gerard Van Heyste says up

    I have been living in Thailand for 15 years and have been deregistered in Belgium for 5 years, but I still pay tax on my pension, social security and solidarity are also becoming aut. held off,! But I still withdraw a nice sum from the foreign tax department, I still have a dependent son and I pay alimony for my ex in Belgium. So all in all we are doing well with the Belgian system compared to neighboring countries, our Dutch friends are jealous of it?
    Dear David, where do you get this story that you don't pay tax in Belgium?

    • david h. says up

      I just say that you still owe taxes on Belgian income, even on foreign ones if no other tax authorities tax it, my 2 commentators say that after x time, (different versions) you are no longer liable to tax. , not me !
      I also thought it was stupid that I now suddenly even had to file a paper declaration , and was no longer allowed to taxon web .
      Wish they were right, makes everything much simpler.
      And hope for them that they are right, otherwise on return …..?

  5. Jack S says up

    If you receive your income from the Netherlands, you will also have to pay tax there. If you are going to “live” in Germany, you will also have to file a tax return there. Then you must file a return, in which you must also make it clear that you already pay tax in the Netherlands, in order to prevent double taxation.
    Then every year in the Netherlands you must have a confirmation made about your taxes in the Netherlands at the tax office in Heerlen. And probably the Dutch tax authorities also want proof of your German tax return.
    Health costs in Germany are many times higher than comparable costs in the Netherlands. And there too it is basically the same as in the Netherlands. If you leave for a longer period of time - so longer than 8 months - you will be thrown out of your insurance.
    I still receive my income from Germany and will later also receive my pension from that country (I am Dutch, but worked in Germany for a German company for practically my entire working life). Have lived in the Netherlands for the last 23 years, before I came to Thailand 3 years ago. I am neither registered in the Netherlands nor in Germany. In the Netherlands I am also no longer accountable for tax purposes. But unfortunately still in Germany.
    So that kite doesn't fly. Unless you have assets, then it probably looks different, but I can't give a sensible answer to that.


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