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Gida » Tambaya mai karatu » Shin an saka AOW ɗin ku kai tsaye zuwa bankin Thai?
Shin an saka AOW ɗin ku kai tsaye zuwa bankin Thai?
Yan uwa masu karatu,
Shin yana da hikima a sanya kuɗin shiga daga AOW kai tsaye zuwa bankin Thai? Shin akwai wanda ke da kwarewa da wannan?
Gaisuwa,
Bert
Editoci: Shin kuna da tambaya ga masu karatun Thailandblog? Yi amfani da shi hanyar sadarwa.
Bert, mai hikima don me? Darajar musayar, haraji, tsaro na banki, tsarin garantin ajiya? Kuna da shakku game da wani abu domin in ba haka ba ba za ku yi wannan tambayar ba. A wace kasa kuke zama?
Idan kawai kuna biyan kuɗi a Thailand tare da wannan AOW, wannan shine kawai mafi sauƙi a gare ni. Amma… Na koyi cewa kada ku taɓa tsayawa da ƙafa ɗaya. Idan kana da wani fensho, da ba zan aika da shi zuwa asusunka na Thai ba.
Ina da asusu tare da Wise. Za a ƙara kuɗin fensho na kamfani kuma za a tura AOW zuwa bankin Thai na. Wannan yana nufin cewa, a matsayin mai mulkin, Ina karɓar fansho na kamfani a baya.
Wannan ba shine ainihin dalilina ba. Har yanzu dole in biya alimony sannan ina buƙatar asusu a Turai. Daga Wise, Zan iya aika wannan cikin sauƙi ga tsohona, har ma a duniya. Idan na yi shi daga Tailandia, ba kawai zan sami matsala ba, amma zai zama kuɗaɗen da ba dole ba.
Yana da sauƙi don canja wurin kuɗi zuwa Netherlands tare da DeeMoney daidai da Wise.
Idan baku buƙatar kuɗin AOW ɗinku nan da nan, jira har zuwa shekara ta gaba sannan ku duba ku canza kuɗin AOW ɗinku akan farashi mai kyau, to ba kuɗin AOW bane amma tanadi. Wannan yana nufin biyan ƙarin haraji.
Sjaak, kuna ba da shawarar Bert don adana fa'idodin AOW a cikin Netherlands sannan ya kawo shi cikin Tailandia a matsayin tanadi a cikin sabuwar shekara don haka ba tare da haraji ba. Sannan ka rubuta: "Wannan yana nufin biyan haraji kaɗan." A wasu kalmomi: Bert har yanzu zai ci bashi PIT. Wannan zai iya zama kawai sakamakon kawo fensho mai zaman kansa a Thailand (hakika Bert ya rayu akan wani abu). Kuma wannan ya sa Bert ya zama ɓarawo na walat ɗinsa!
Gudunmawar fensho mai zaman kanta an haɗa shi gabaɗaya a cikin Harajin Kuɗi na Kai. Koyaya, don fensho na jiha, dole ne Tailandia ta ba da ragi na haraji bisa ga Mataki na 23, sakin layi na 6, na Yarjejeniyar Haraji Biyu da aka kulla tsakanin Netherlands da Thailand. Adadin wannan ragi shine mafi ƙarancin adadin masu zuwa:
a) adadin daidai da harajin da aka karɓa ta wannan batun a cikin Netherlands;
(b) adadin wannan ɓangaren harajin Thai wanda aka danganta ga wannan abu na samun kudin shiga.
A aikace, wannan yana nufin cewa ba za a sami wurin da zai rage wa hukumomin harajin Thai ba don sanya PIT akan fa'idar AOW. Sakamakon ajiyar ci gaba, wannan zai canza ne kawai idan an tura fensho na sirri na € 33.000 ko fiye zuwa Thailand. Amma duk da haka, waɗannan ƙananan kuɗi ne kawai.
Don haka shawarar da ba za ta iya canzawa ba: kasance farkon wanda zai kawo fa'idodin AOW ɗin ku (ba tare da ɗan ko babu dakin haraji ga hukumomin haraji na Thai) kuma ku ƙara shi kamar yadda ake buƙata tare da fensho mai zaman kansa (kai tsaye da cikakken haraji a Thailand). Hakanan ga hanyar haɗin yanar gizon a cikin sharhi na a ƙasa.
Lammert de Haan, kwararre kan haraji (na musamman a dokar haraji ta ƙasa da ƙasa da inshorar zamantakewa).
Hello Bert,
Ina ɗauka cewa kuna jin daɗin fansho (kamfani) ban da fa'idar AOW. In ba haka ba, ba za ku yi shi a Thailand ba (sai dai idan kuna da adadi mai yawa a cikin asusun banki na Thai).
A wannan yanayin, kasancewa farkon wanda ya fara shigar da fa'idar AOW ɗin ku a Thailand sannan kuma ƙara shi tare da fa'idodin fensho kamar yadda ake buƙata shine hanya mafi kyau don bi. Dangane da tanadin tushen kuɗi (Mataki na 41 na Code of Revenue Code na Thailand kuma na ɗauka cewa kuna sane da wannan ƙa'idar) da iyakacin haƙƙin haraji dangane da Mataki na 23 (6) na Yarjejeniyar Haraji Biyu da aka kulla tsakanin Netherlands da Netherlands. Tailandia ta Thailand game da fa'idar AOW, wannan na iya haifar da tanadin haraji mai yawa don Harajin Kuɗi na Keɓaɓɓu.
Ko kuma dole ne ku adana fa'idodin AOW ɗin ku a cikin Netherlands da farko sannan ku canza shi zuwa Thailand a mafi kyawun ƙimar ya rage naku gaba ɗaya. Sau da yawa wannan lamari ne na ƴan satan.
Amma kula musamman ga tsarin da kuke ba da gudummawa: da farko fa'idar AOW sannan kuma fa'idar fansho kamar yadda ake buƙata.
Dubi abin da na rubuta game da wancan a baya:
https://www.thailandblog.nl/expats-en-pensionado/belangrijke-besparing-op-de-personal-income-tax/
Lammert de Haan.
Zan sa AOW dina a banki mai lamba IBAN na Turai sannan in tantance lokacin da kaina ya mamaye wani waje, misali Thai, banki. Sa'an nan kuma ku ma mafi kyawun sarrafa farashi da canjin kuɗi. Sannan zaku iya canja wurin ko cire adadin kamar yadda ake buƙata.
Barta,
A kan shawarar Lammert de Haan, an biya AOW dina kai tsaye cikin Bankin Bangkok na tsawon shekara guda da rabi… wannan ya haifar da ƙimar ƙimar ramin 50%.
Ƙananan ƙoƙari tare da fa'idodi kawai…
Yahaya.
amma manyan cajin banki, yi amfani da hikima
Kawai saka kuɗin ku a banki. kuma ka cire tsabar kudi a can/ Duk abin da ya shigo can ka biya bisa ga haraji na.
ga Antony
Anthony, hakan bai dace ba. Dokar haraji ta Thai tayi magana game da 'shigarwa' shigowa, ba 'komai' ba. Wannan rashin fahimta ce da har yanzu tana nan da can kuma ana iya karantawa tare da ku ma.
Yanzu na san cewa ofisoshin haraji na gida wani lokaci suna bayyana wannan ra'ayi, amma sai a tuntuɓi ofisoshin babban yanki inda ake samun ƙarin ilimi game da dokoki da yarjejeniyoyin da Thailand ta kulla.
Plum,
Ta yaya hukumomin haraji na Thai za su iya tantance ko kudaden da aka yi amfani da su sun fito ne daga asusun ajiyar kuɗi ko kuma kuɗaɗen kai tsaye? Shin za su yi amfani da yarjejeniyar haraji don haka, inda akwai kuma wani abu da ko gwamnatocin dole ne su mutunta dokar sirri a kasashen biyu? Na yarda da ku cewa wata rana duk abin da za a iya haɗawa, amma har yanzu muna da shekaru daga wannan kuma 1200 Tarayyar Turai na abokan ciniki ba su da fifiko fiye da ainihin kuɗi. Gaskiya ita ce manufa mafi kyau kuma ita ce tatsuniya.
Johnny BG, Ban ji wata matsala ba a wannan yanki.
Ina ganin hakkin mai biyan haraji ne ya tabbatar da ingancin dawowar sa kuma ya rage ga ma’aikata su tabbatar da cewa ba daidai ba ne. Tabbas, irin wannan rubutun doka na iya haifar da tattaunawa, amma kuna iya shirya kanku don hakan. Lokacin da na zauna a TH, ina da asusun dubawa guda biyu tare da Kasikorn; daya na kudin shiga daya kuma na 'ton takwas' kuma a wancan asusu na karshe na sanya kudin NL na abubuwa kamar gida, sufuri da tsadar magunguna.
Keɓantawa? Keɓantawa yana saita iyaka ga buƙatun bayanai daga gwamnati, amma ina wannan iyaka? Shin wani ya taɓa yin zanga-zangar bisa dalilan sirri da masu ɗaukar ma'aikata (da masu biyan fansho, SVB, da sauransu) suka ba da sanarwar shekara-shekara ga hukumomin haraji? Ba za a iya tunawa ba. Lokacin da aka gabatar da buƙatun ID a cikin NL ga ma'aikata akan zafin azabar 60% (yanzu 52%) a cikin harajin albashi, ma'aikata sun je kotu amma an ba su murfin hanci.
Wannan iyakar wani wuri ne; rayuwar sirri, sadarwar sirri, jikin ku, rayuwar iyali, gida.
Me kuke gani a Thailand? Babu ra'ayi. Amma a can kuma, haraji zai sami fifiko mafi girma. Wani ɓangare na keɓantawa dole ne ya samar da hanya don hakan.
Dear Eric,
Game da sirri, na gani a cikin wata jarida ta PwC 'yan watanni da suka wuce cewa an kafa wata doka a cikin TH wanda zai kara tasiri ga sirri, yana sauƙaƙa musayar bayanai tsakanin hukumomin haraji. Ban san komai game da shi ba, amma da alama kun fara gabatar da buƙatun bayanai kuma yanzu zai iya zama mafi sauƙi. A cikin yanayin harajin da ya fi dacewa a kan dukiya, ba za a sami matsala ba saboda sharks sun san cewa akwai wani abu da za su sake tarawa.
Wani bangare na labarin na iya zama dalilin da ya sa mutane za su iya yarda cewa dole ne a dauki wani muhimmin bangare na dukiyarsu a cikin Netherlands saboda haraji yayin da ba su da wata magana game da yadda ake kashe su. A cikin ƙasa ba tare da tsangwama mai yawa kamar TH ba, wannan yana ba ku ƙarin 'yanci don yanke shawarar yadda kuke kashe kuɗin ku. Akwai wajibai na iyali duk da haka, don haka ba lallai ne ku ƙidaya kanku masu arziki ba, amma ya fi game da jin cewa za ku iya yin zaɓi na kanku maimakon abubuwan ban tsoro kamar hukumomin haraji.
Johnny BG, muna yin nisa daga batun kuma ba na son masu gyara su busa mana usur.
Yana da ban sha'awa, aƙalla idan masu gyara suna so su haɗa da mu, su kafa itace yadda mu mutanen NL da rayukanmu miliyan 18 dole ne mu gano tare yadda za a raba kudaden. Wadancan 150 + 75 fiye ko žasa da masu hankali a Hague ba za su iya yarda ba, balle mu duka…. A ƙarshe, hukumomin haraji sun yi waje da abin da jihar ke kashewa.
Bi shugabanni, Johnny BG, kuma kada ku bari ya isa gare ku...
Idan kuna amfani da ATM a Thailand don karɓar kuɗi daga Netherlands, tabbas za ku biya fiye da harajin Thai. Kowane cirewar ATM 220 baht tare da farashin NL
Bude asusu tare da hikima kuma bari fansho ya shigo ciki. Ka tabbata kana da naka code code a hankali, in ba haka ba abubuwa zasu lalace. Daga asusun ku zaku iya canja wurin kuɗi zuwa bankin ku na Thai gwargwadon buƙata da ƙimar musanya (ko da yake akwai 3 kawai waɗanda masu hikima ke aiki da su)
Akwai kurakurai guda 3 a cikin layukan 2 na sama: 1- Mai hikima yana ƙirƙirar asusun Iban Belgian kai tsaye; ba lallai ne ku yi komai ba kuma ba lallai ne ku kula da shi ba. Ana iya duba bayanan lambar banki da buga su nan da nan bayan ƙirƙirar asusun. 2- Hikima ta lura cewa bankuna 3 masu suna Thai suna ba da izinin canja wurin har zuwa thB miliyan 2 a kowane lokaci. Duk sauran bankunan suna da iyaka ta fuskar musayar kuɗi. Wise don haka yana aiki tare da bankuna fiye da 3.
Masoyi Bart,
kamar yadda kuka riga kuka karanta, Lammert de Haan ya ba da amsa daidai.
Dangane da batun canja wurin kai tsaye na AOW ɗin ku, ba shakka kuna iya kira ko imel ɗin SVB game da farashin saka kai tsaye zuwa asusun banki na Thai.
Sa'an nan za ka iya kwatanta wannan da, misali, Wise.
Ga wata hanyar haɗi zuwa SVB game da biyan kuɗi a ƙasashen waje.
https://www.svb.nl/nl/aow/aow-buiten-nederland/betaling-aow-buiten-nederland