Avo vanogara kunze kwenyika, sekuThailand, vanogona ikozvino kuve ne annuity yakabhadharwa pasina matambudziko. Kare izvi kazhinji zvaisaita. Pamwe chete neDNB, Ministry of Finance uye Tax and Customs Administration, Dutch Association of Insurers yakawana mhinduro kumatambudziko anowanikwa nevatengi vane annuity pavanotamira kune dzimwe nyika kana kugara kune dzimwe nyika.
Zvinetso zvakamuka pakuchinja mari yepenjeni kana kuti mari yepenjeni kuita muripo wenguva dzose. Muzviitiko zvakawanda, vagari veDutch vakatamira kune dzimwe nyika vaisakwanisa kugamuchira annuity kana mubhadharo wepenjeni nekukurumidza nokuti vakanga vasingakwanisi kupedzisa chibvumirano chitsva neinishuwarenzi yaifanira kubhadhara mubhadharo. Nekuda kweizvozvo, iyo annuity kana mubhadharo wepenjeni wakatorwa sekuzvipira pasi pemutemo wemutero uye mutero waifanirwa. Zvese izvi zvinogona kureva kuti maDutch akatama aifanira kugarisana nevakuru vemitero mune imwe kuenda panzvimbo yemakore akateedzana sezvazvinowanzoitika.
Kana wazvipira, unofanira kubhadhara mutero pamari yose ye annuity pamwe nechirango. Kutora annuity yekubhadhara kune zvakanyanya kunaka. Neizvi iwe unobhadhara mutero wakapararira kwemakore akati wandei, pasina chirango.
Kondirakiti
Izvo zvipingamupinyi zvakabviswa zvakanyanya, ikozvino izvo zvese zvikamu zvekuwedzera uye zvekubhadhara zvinoonekwa sechibvumirano chimwe neinishuwarenzi mune mamwe mamiriro. Izvi zvinoreva kuti vanhu veDutch vakatama vanogona kazhinji kuwana periodic annuity kana muripo wepenjeni. Mhinduro yacho inoshandawo kumapenjeni anowanikwa paPremium Pension Institution. Vatengi vanoda mhinduro chaiyo vanogona kubata yavo insurer.
Mubatanidzwa une mhinduro denderedzwa kubatwa.
Kunobva: Dutch Association yeInishuwarenzi
Vadikani mose.
Saka ndine dambudziko iri. ! Mukutanga kwegore rino, ndakasangana neInternational Tax and Customs Administration nezveizvi. Ndizvo zvavakandiudza;
- Kuti kubatsirwa kunoonekwa sekuzvipira uye naizvozvo 52% mutero inoregererwa
-Ndinogona kutora mutero wakawandisa gore rinotevera
- kuti 20% yekudzokorora mhindu inobva yabviswa 11111 (chimwe chinhu chandisinganzwisisi nokuti ndiri muDutch mugari wemutero nokuti ndinogara muLaos uye ndinobhadhara mari inosvika 4.000 euros mumutero gore roga roga randisingawani chinhu.
-Kuti zvibvumirano zvakaitwa nemakambani matatu ekunze (???) kuti atore annuity ikoko yaizotenderwa neveTax Authorities.Vese vari vatatu vakabatwa. 3 comment back; Kambani haizive chibvumirano uye haina annuity marongero. Hapana chakanzwika kubva kune vamwe vaviri.
Takaonana nemakambani muThailand, Laos, Belgium, France, Germany neHong Kong. Havazivi rudzi urwu rweinishuwarenzi. Isa mune imwe mari uye ipapo, somuenzaniso, kufarira kwemwedzi. Asi icho chingori chigadzirwa chekuchengetedza.
Saka ndiri kuda kuziva
Kwaziwai
Jan
Ndira,
Unogona here kuziva kuti ndeapi makambani matatu?
Ndakasanganawo nedambudziko iri.
Izvi zvakaratidza kuti chikonzero chikuru hachikwanisi kuzivikanwa zviri nyore:
- mainishuwarenzi haadi kubhadhara kumaakaundi ekunze kwemakore (mitengo)
- mainishuwarenzi anofanirwa kuita chipangamazano akazvimiririra, wausingakwanise kuwana, nekuti unogara mut
kunze kwenyika, uye vanoziva kuti izvozvo hazvishande
- mainishuwarenzi anoshuma kuti Mutero uye Customs Administration haidi kushandira pamwe nekuti ivo vanoziva kuti nguva nenguva.
mabhenefiti anogona kuregererwa
Mune mhaka yangu, mushure mekubvunza mibvunzo yakawanda, ndakawana chipangamazano mu12lijfrente.nl anoita nhamburiko yekukubatsira uye kuenderera mberi nenyaya.
Uyezve, ipapo ndakapedza mwedzi 6 ndichikumbira kusabhadharwa mutero nokuda kweiyi miripo yenguva nenguva, nokuti pakupedzisira ndakabudirira pashure pokupikiswa kwakawanda kubva kuvakuru vakuru vemitero muHeerlen. Ndichadzoka kune izvozvo, nokuti zvinonakidza zvakare.
Mamiriro akaita sei nekubhadharwa kwemutero wemari pazvibatsiro izvi?
Izvi zvinofanirwa kuitwa muNetherlands kana muThailand?
Ne "Bravo" yeThailand blog yemazuva mashoma apfuura, hapana chakanyanya kutaurwa, sekuonekwa zvakare nekutumirwa kweiyi nhau dzakanyanya kukosha kune vazhinji vechiDutch vanogara muThailand.
Tribute!
Uye kwete chete kune vanhu vanogara muThailand. Ndinoziva zvakawanda. Ndakatangawo mari yangu yegore negore, yakanga iri yechinguvana, iyo yapera uye ndakanga ndisinawo mutero wemari muNetherlands, ndakanga ndangosara pamberi pokutonga kunoigovera kuNetherlands.
Lammert, ndicho chikonzero chekugadzirisa faira yedu yemutero pane iyi pfungwa? Kana kuti isu tichamirira neiyo yakapihwa izvo zvichiri kuvhurwa ne 'Heerlen'? Kana kuti isu tinomirira kusvika ane mukurumbira Sint Juttemis….?
Mumutemo, kubhadhariswa kwemutero wemari pamubhadharo we annuity kuchiri kuchengetedza kweThailand (Chisungo 18(1) cheChibvumirano). Chete kana kugoverwa uku kuchibhadhariswa purofiti yekambani yakavambwa muNetherlands ndiyo Netherlands inobvumidzwa kuibhadharisa (Chinyorwa 18(2) cheChibvumirano).
Dare reDunhu reZeeland - West Brabant rakapa mitongo yakati wandei makore matatu apfuura kuti Netherlands inotenderwa kubhadharisa mubhadharo pamabhenefiti anobhadharwa neAegon, pakati pevamwe. Asi izvi hazvireve kuti zvirevo izvi zvinoshanda kune ese mainishuwarenzi. Iyo Tax and Customs Administration inogara ichifanirwa kuratidza kuti mubhadharo wakadaro wakabhadhariswawo purofiti mune iyo kesi. Pamusoro pazvo, Chibvumirano hachina kuchinjwa nemitongo yedare.
Mumutero wemutero wandinoitira vatengi veThai, saka handifungi pachine nguva kuti Netherlands inotenderwa kubhadharisa. Kusvika parizvino handisati ndamboita dambudziko nazvo.
Inguva yatakatanga kunyora zvakare: faira remutero rinoda kukwidziridzwa mushure memakore matatu nehafu. Ini ndichakubata munguva pfupi iri kutevera ndichitarisira kuti Thailandblog ichave neyakagadziridzwa mutero faira mumwedzi mishoma (asi ndipe kanguva).
Hum, Lammert, unoziva zvandiri kuita uye ndinosarudza kusatanga kunyora kusvika mukati megore, toti matsutso. Ini zvino ndine nyaya dzepenjeni dzakakwana mupfungwa dzangu sezvamunoziva….. Uyezve, ndinotarisira kugara padyo newe pane izvozvi….. Basa rakanaka rinotora nguva…..
Kuvandudzwa chaiko! Ini ndinonzwisisa kubva kudenderedzwa kuti kana capital yaburitswa iwe hausati wabvumidzwa kutenga nemainshuwarisi akasiyana-siyana kuitira kuti uwane mubhadharo wepamusoro, asi kuti kubvunzana kuchiri kuitika pamusoro peizvi. Rimwe dambudziko, zvisinei, nderekuti mainishuwarenzi mazhinji einishuwarenzi angangove akatorwa kusvika wasvika makore makumi matanhatu nemashanu, zera rawakatanga kugamuchira AOW yako nepenjeni kusvika nguva pfupi yadarika. Nekuda kwekuti zera iri rave uye richiri kuwedzera, iyo insured capital ichaburitswa pazera re65 uye inofanira kushandurwa kuita mari yekukurumidza neinishuwarenzi imwechete. Hazvisati (zvichiri) zvinokwanisika kuramba uchichengetedza nekutenga chigadzirwa chekubhanga kusvika pazuva rekutanga kwepenjeni yehurumende.
Izvi zvinogona kundiitirawo zvakanaka, saka ndinoda kugara ndakatarisa.
Zvakadini nekodzero yakamira, iwe unogona zvakare kuiisa muinishuwarenzi yakadaro, iyo inobhadhara izvi nguva nenguva, unogona here kuwana mutero wekuregererwa kweizvozvo?
Anodiwa Conimex,
Dambudziko iro chinyorwa ichi chiri pamusoro uye icho, chinoratidzika, mhinduro yakawanikwa, ndeyekurongeka kwakasiyana zvachose pane kana kuwana kuregererwa kwekunyima mutero wemubhadharo uye mipiro yeinishuwarenzi yenyika.
Munguva yeaccrual phase ye annuity, vanhu vanogara muNetherlands. Kana zvasvika pakubhadhara, chibvumirano chitsva chinopedzwa neinishuwarenzi uye iyo annuity policy inoshandurwa kuita annuity payment.
Kana iwe uchiri kugara muNetherlands, izvi hazvikonzeri dambudziko, asi kana iwe zvino uchigara kunze kweNetherlands, iyi ndiyo "kuyambuka-muganhu kugoverwa kwemabasa", iyo inosanganisira matambudziko akawanda emutemo uye emitero uye iyo inshuwarisi isingafariri. . Uye zvakare, havasi vese vanoita inishuwarenzi vane mvumo yekushanda kunze kweNetherlands.
Mhedzisiro ndeyokuti iwe wasara nechigadzirwa chakanaka, icho chinonzi annuity policy, asi iyo isingagoni kubhadharwa pasina mibairo mikuru yemutero (kunze kwekunge, hongu, ine chekuita nemutemo we annuity usingabvisi mutero nekuda kwekushaikwa kwegore. scope).
Uye mhinduro ikozvino yawanikwa kune dambudziko rekuitika kwe "cross-border service". Zvichitaurwa zviri nyore, chibvumirano chekutanga chinowedzerwa / chinoshandurwa kubva kune accrual kuenda kuchikamu chekubhadhara, saka pasina kupinda muchibvumirano chitsva.
Asi sei iwe uchida kuendesa kumira kwako kune annuity insurer? Muchokwadi, kodzero yakamira ine hunhu hwe "kudzoserwa mubairo". Zvakadaro, nekuti Chibvumirano cheMutero pakati peNetherlands neThailand chine mari inokwana pagore, muripo wepagore unotorwa semuripo wepagore. Zvinogona kunge zviri izvo (nekufamba kwenguva) zvinotora chimiro chemudyandigere, asi izvi zvinofanirwa kuratidzwa zvakadaro muchibvumirano chakamira.
PLEASE CHERECHEDZA: haugone kutenga kubva pakamira kurudyi, sekubhadhara annuity. Kana zvakadaro unoita zvinopesana neChisungo 18, ndima 3, yeChibvumirano uye inobhadharwa pa52% yemutero wemari, pamwe ne20% yekudzokorora kufarira.
Sezvizvi, Kokorodzano inorondedzera gore negore se: “chitsama chakatarwa, chinobhadharwa panhambo nenhambo panguva dzakatarwa, mungava mukati moupenyu hwomunhu kana kuti mukati menhambo yenguva yakatarwa kana kuti inosarudzwa.”
Uye kana iwe zvino ukatenga kumira kwako kurudyi uye woiendesa kune annuity insurer, iwe unokurumidza kumhanyisa njodzi yekuti izvi zvinozoonekwa se "kuzvipira". Ini handingaedze kutora njodzi iyoyo, nepo isingashande chero chinangwa.
Lammert de Haan, nyanzvi yemitero.