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Home » Mubvunzo wemuverengi » Kugara mese kunokanganisa mabhenefiti ako emudyandigere here?
Vadiwa vaverengi,
Une mubvunzo nezve penjeni yako? Kugara pamwe chete kunokukanganisa here? pamudyandigere kubhadhara?
Mangwanani anhasi ndatambira message kubva kuABP yekuti pension yangu iri kuverengerwa. Iyo ABP yakagamuchira meseji kubva kuSVB kuti ndiri kugara pamwe chete uye ndakawana kudzikiswa kwe300 euros pamwedzi.
Kwazisai,
Henry
Kondirakiti yako yepenjeni inotii? Zvimwe tanga waverenga ipapo wobva waenda kuABP wobvunza kuti sei ABP yakakupfupisa ne300 e. Kana kuti SVB yakakucheka here mazana matatu e e pamwedzi? Mutsara wako wekupedzisira unogona kuverengwa nenzira mbiri.
Wadiwa Eric
Ndine urombo kuti ndanga ndisinganyatso kujeka, asi iyo AOW yakaderedzwa ne300 euros.
Uye neMuvhuro ndichafonera ABP.
Asi penjeni yakabatana neAOW?
Hennie, penjeni yangu haisi, asi penjeni yako inogona kudaro. Saka bvunza chibvumirano chako chepenjeni kana kubata ABP. Pension yako yehurumende yachinja uye semanzwisisiro andinoita kubva pa'single' to 'cohabiting'. Ipapo iwe unowana zvakaderera zvakanyanya.
AOW ibhenefiti yakavakirwa pakubhadhara-se-iwe-kuenda system. Chero mudyandigere waungave wazviunganidzira wega unobva pane inopihwa mari. Iwe unobhadhara mupiro wepenjeni yako gare gare. Iwe unobhadhara AOW kune mumwe munhu. Paunongogamuchira AOW, vamwe ndivo vanokubhadharira. Mamiriro ako ezvinhu zvomunhu oga anorangarirwa chaizvoizvo. Kuroora kana kugarisana. Naizvozvo hazvina basa kuti mumwe munhu ndiani kana kuti ane mari, ane kodzero kana kuti achawana penjeni yeAOW. Kugara pamwe chete kunoreva kugamuchira mari inosvika mazana matatu emadhora zvishoma neAOW. Nehurombo iwe.
Tsvaga paGoogle "penjeni yakaderera nekuda kwekugara pamwe chete" uye iwe uchawana akati wandei zvinyorwa zvine chekuita nemubvunzo wako.
Ona semuenzaniso https://www.consumentenbond.nl/geldgids/geldgids-uitgelicht/abp-pensioen-gekort-na-samenwonen.
Hongu, ndiyo iyo yakatsveyama yeDutch mutemo zvakare. Chokwadi uri kudzokera kumashure. Zvinofungidzirwa kuti mumwe wako, sezvakaita muNetherlands, anobatsira mhuri yako. Kunyange zvazvo nyika yose ichiziva kuti 90% yenguva izvi hazvisizvo. Saka haungodi zvimwe kubva kune mumwe wako, mari inobviswawo. Ndakamboverenga izvi pane ino blog.
MuNetherlands zvine musoro, nekuti mudiwa asingashandi achiri kugamuchira mari, asi pano? Vanokuisa muboka remutero rakaipisisa nokuti unogara pano, paunenge uchiri kubhadhara mutero, hauna kuderedzwa uye kuderedzwa kwezvikomborero zvako. Mamiriro ako ezvinhu anongoiswa kune mukana wehurumende yeDutch. Iwe ndiwe wakakundwa.
Iwe unonyora kuti: "Iwe hausi kungoda zvimwe kune mumwe wako." Kunyatsofunga kwe70 kwakashandurwa zvachose muma80, atova makore makumi mana apfuura. Nokuti nei muvakidzani wako achifanira kubhadhara mumwe wako? Uye sei mumwe wako asingafaniri kushanda uye nei nharaunda ichifanira kubhadhara kune uyu asiri kushanda? Vazhinji vanogara vari voga muThailand kana Netherlands uye havana munhu wekupa mupiro kumitengo, saka vanofanirwa kubhadhara zvese vari voga, nepo mumwe munhu ane mumwe wake anogona kugovera mutengo.
Izvi zvaireva Thailand, kwete Netherlands. Vazhinji vevakadzi vari pano vane maFarang, kana vachishanda mazuva matanhatu pasvondo, vanowana pamwe 9000 baht kana kuti zvishoma. Saka anofanirwa kushanda nguva yakazara nekuti nyika yeDutch inotenda kuti anofanirwa kupa? Ipapo zviyero zvinofanirawo kunge zvakaita muNetherlands. Muhoro mudiki muNetherlands uchiri kuburitsa akawanda ezvinowanwa muThailand. Ipapo mupiro unofanirwawo kudzikiswa zvakaenzana, saka ne50 euros kana chimwe chinhu chakadaro. Kwete ne 300. Ndizvo zvinopfuura vanhu vakawanda pano vanowana.
Zvakanaka, Sjaak, kana ndikadudzira chirevo chako nenzira kwayo, saka iwe uri mutsigiri anodziya wechinhu chenyika!
Zvichengetedze, uuye nazvo kuDutch zvematongerwo enyika, uye uwane chido chako: paunotamira kuThailand, iyo AOW ichagadziriswa kusvika pamwero pano uye iwe nevose vaunogara navo munogona kusimbisa mabhanhire enyu, fry zvishoma zvipembenene nemichindwe yakachipa. mafuta , kudya hove yemupunga kana huku yauraiwa, mashizha emuti, kunwa mvura yedenga, netoilet yaunofanirwa kugwamba nayo, uchityaira Honda ane makore makumi maviri ekuberekwa moped yaiswa zvigamba. kakawanda uye nezvimwe zvakawanda. nice' inosanganiswa nehupenyu husina kunaka. OK, ndiri kuchaja izvozvi... Asi unonyatsoziva zvandiri kureva.
Fara kuti iwe unogona kugamuchira yako AOW pamazinga emutengo weDutch pano. Uye zvakare, sarudzo yako yemudiwa uye nyika haifanirwe kutakurwa neDutch treasury.
Sei Sjaak S achifanira kufara kuti anogamuchira AOW yake pamazinga emutengo weDutch? Pakuvaka penjeni yehurumende, akabhadharawo mipiro yake yaidiwa nemutemo, sezvakangoitawo vamwe vasina kutamira kunze kwenyika. Kutozosvikira makore mashomanene apfuura, wakagamuchira chitsama chakati apo wakasvika zera remudyandigere wehurumende, uye vanhu vakaroorana vaigamuchira mari. Nekudaro, vezvematongerwo enyika vakasarudza kuti iyo AOW yaifanira kuve yakasarudzika, izvo zvinoreva kuti parizvino munhu asina kuroora anogashira mazana matatu emadhora pamwedzi pane kana iwe wakaroora uye mumwe wevanofambidzana haasati asvika zera reAOW. Chete kana vese vasvika zera remudyandigere wehurumende ndipo paunozowana mari yakafanana neyawaimbowana pamakaroora/kugarisana. MuNetherlands, zvinokwanisika kuti ukwanise kuwedzera, iyo AIO, muchiitiko chekusakwana kweAOW kubatsirwa. Vazhinji vanobva kune dzimwe nyika muNetherlands, pakati pevamwe, vanoshandisa izvi (kunze kwekudikanwa), pamwe nekuti vakabhadhara mipiro kuAOW kwemakore asingasviki makumi mashanu. Iwe hauna kukodzera kuwana iyi mvumo kana uri mugari wechiDutch anogara muThailand. Chokwadi ndechekuti musiyano wezera pakati pevanogara pamwe chete muNetherlands wakanyanya kuderera pane vanhu vechiDutch muThailand vane mudiwa wekuThai. Mhedziso: mushure menguva yakati, vese vari vaviri muNetherlands vanowana bhenefiti yeAOW, ukuwo munhu wechiDutch muThailand ane shamwari yake yekuThai achiwana mubairo wakakura weupenyu hwese weparizvino 300 euros pamwedzi pane kana aigara ega muThailand. Kwete chete nekuda kwemusiyano wezera, asiwo nekuti wekuThai mudiwa anongo (uye nemazvo) haazombogashira bhenefiti yeAOW. Saka usauye nenyaya yekuti sarudzo yaSjaak S yekugara muThailand yaizotakurwa nehomwe yeDutch. Ndaitombofunga kuti zvakapesana ndizvo. Mari zhinji dzevari mudyandigere inoitwa nekuda kwehurwere nekuchengetwa. Sjaak S et al. vangangove vakabhadhara mapremium emitengo iyi muhupenyu hwavo hwese hwekushanda muNetherlands, asi zvino nekuti mukana wemitengo yakadaro uchiwedzera sezvavanokura, havachagona kuvimba nawo. Ivo vanofanirwa kuvimba neinishuwarenzi yakavanzika inodhura isingabatanidzwe, hongu pasina muripo weinishuwarenzi yehutano iyo vazhinji muNetherlands vane kodzero, uye chero kutarisirwa kusiri kurongwa kunopihwa nemudiwa wavo wekuThai. Uyezve, iwe unoita caricature yekuti vanhu veThai vanogara sei muThailand. Tsanangudzo yako yekuzvisarudzira inogona kushanda kune vamwe, asi rombo rakanaka ruzhinji rwevanhu veThai vanogara pasi pemamiriro ari nani. Uye kunze kwekuti pamwe rendi yeimba/condo, uye zveshuwa Sjaak S haikwanise kukumbira mvumo yekugara sezvinoita maroja mazhinji echiDutch, ayo anowanzo kuderera kupfuura muNetherlands pamwe nemvura nemagetsi, mari yekugara kune mutorwa iri. muThailand yakakwirira zvakanyanya kupfuura zvinofungwa nevanhu vazhinji. Izvi zvinoonekwawo kubva kune chinodiwa chekubuda kunze kwenyika chemari pamwedzi ye65.000 baht kuti mutorwa asina kuroora awedzere mvumo yekugara. Zvese mune zvese, ndinobvumirana zvachose nemhinduro yaSjaak S. Hurumende yeDutch inotora mupiro wakaenzana pakurarama pakati pevadyidzani, nepo izvi zvisiri izvo muThailand. Ndizvo chaizvo sezvakanyorwa naSjaak S. Mumwe mubvunzo kwauri Erik.
waanochengeta uye anochengetwawo? Inocheka nzira mbiri, handingambofungidzire iwe uchipokana nazvo.
Nyaya hombe, asi chokwadi chinoramba chiripo chekuti munhu akarega basa anoenda kunogara muTH uye anobvisa registers kubva kuNetherlands anoita izvi ega. Ngativimbei: kugadzirira zvakanaka, ruzivo rwakanyanya, uye nepfungwa dzakanaka. Zviri kwaari kuti azvizive kuti munhu wechiDutch ane makore makumi matanhatu nematanhatu achaenda kuTH semunhu asina kuroora uye achagara neTH. Anoziva kuti pakadaro haachaonekwi semunhu asina kuroora, hachisi chokwadi. Icho chokwadi chekuti mudiwa wacho haana mari shoma haisi hanya nehurumende yeDutch. Kugovera wedzero zvinoreva kuti inofanirwa kubhadharwa kubva kune zvakajairwa zviwanikwa, i.e. kubva kumadhora emutero. Sei, ndinokubvunza iwe mudiwa Leo, muteresi wechiDutch anofanira kubhadhara sarudzo yega uye sarudzo yemudyandigere uyo achiziva uye nechido akaenda kunogara muTH? Iri bhizinesi rake nebasa raanoita sarudzo yemudiwa. Zvekuti mudiwa iyeye haana kana mari shoma ibhizimusi rake. Uyewo muNetherlands, mudyandigere mumwe chete anorasikirwa nomuripo wake kana akatanga kugara pamwe chete. Kune rumwe rutivi, anogona kuvimba nemimwe mitemo. Mudyandigere ari mubvunzo muTH haagone kuzviita uye anozviziva, kana kuti angadai akazviziva. Uye kuti anogara sei muTH anoenderera mberi nebhizinesi rake.
Ndinoziva kuti i pay-as-you-go system, asi ini nemudzimai wangu takabhadhara izvi hupenyu hwedu hwese. Mudzimai wangu akafa aine makore 55 uye haawane kana sendi remari yake.
Matauriro ekuti muteresi wechiDutch anofanira kubhadhara kuzvisarudzira akangorasika semubvunzo wekuti sei vanhu vasina vana vachiri kufanira kubhadhara rubatsiro rwemwana, nekuti kuva nevana isarudzo yemunhu. Uye ndinogona kufunga zvimwe zvishoma.
Ini ndinobvumirana nechero mudyandigere wehurumende anogara muThailand newadikani wake wekuThai kana akaedza kubuda mumutengo uyu.
Zvakachena maererano nemutemo, wakabhadhara AOW kune vakwegura panguva iyoyo, saka hauna kuchengetedza yako AOW. Sezvineiwo, unochengeta penjeni yako yehurumende nekuti vashandi vanhasi vanokubhadhara izvozvo. Nekugara pamwe chete iwe ucharasikirwa nemari yakawedzerwa. Saka haisi 'discount papenjeni yako yenyika' kana ukafunga kugara muThailand. Iwe unogona zvakare kusarudza kutamira kuNetherlands semurume nemukadzi, muchiitiko icho iwe unowanzo kuve nekodzero yekubatsirwa zvakare (mubhadharo wehutano, mvumo yekurenda, yekuwedzera rubatsiro rwemagariro).
Kana munhu aine pfungwa yekuti munhu wese anofanira kuchengetedza mari yake kubva pamaonero emagariro evanhu, ndingakurudzira vezvematongerwo enyika kuti vabvise miripo yemunhu mumwe chete uye kuti vawedzere penjeni yehurumende. Izvi zvinoderedza kudiwa kwemacheki pakubiridzira nemaallowance nezvimwe zvakadaro.
Iyo Dutch tax system yakavakirwa pakubhadhara-se-iwe-kuenda uye kubatana masisitimu. Saka isu tose tinobhadhara kune zvese zvivakwa. Izvi zvinosanganisira kupa mvumo kune mudyandigere mumwe chete anoda kugara muTH mukukwegura kwake. Kana akazosarudza kugara pamwe chete, zviri kwavari kuita. Muenzaniso: mumwe waanoziva muKorat akarasikirwa nemukadzi wake weTH nekuda kwekusazvibata. Mushure mekugara ega kwemakore 3, pazera re76, akatora mushandi wechitoro ane makore makumi matatu nemaviri uye mwana mu "Mall". (Zvakanga zviri zvibvumirano zvebhizimisi, asi vanodanana vachakakavara kuti pakanga pane ukama hworudo.) Akanga asisashinga kuva oga nemhaka yezvinetso zvoutano, aida imba nepokugara nokuda kwomwana wake naiye amene.
Zivo, hongu, ikozvino yakagamuchira mari yepenjeni yehurumende. Zvinonzwisisika. Isu muNetherlands tinofanira kupa mabhenefiti emhando idzi dzesarudzo? Handina kufunga kudaro.
Wadiwa RuudB, chero asingagare pamwe chete muThailand, mudyandigere mumwechete weAOW anogashira mari yeAOW parizvino ye1215 gross pamwedzi kusvika parufu rwake. Mutero wekubhadhara uchabatwa i €227. Nokuda kwechikonzero chipi nechipi, anosarudza kutamira pamwe chete. Zvechokwadi ndinobvumirana newe kuti zvingave zvisingadikanwi uye zvisina musoro zvakanyanya kana aizogamuchira kuwedzera kune AOW yake semugumisiro wechisarudzo ichi, icho mutero weDutch aizotambura. Asi zvakapesana zvinoshanda, achawana faindi yesarudzo yake nenzira yekuderedzwa kweAOW yake kusvika ku835 gross gross (mutero wemuhoro wakanyimwa € 156). Saka muteresi wechiDutch anobatsirwa chaizvo nechisarudzo chake. Hongu, ndinoziva kuti izvi zvinoenderana nemutemo, asi zvinonyatsoenderana nemamiriro ezvinhu muNetherlands. Ini ndinoona chinzvimbo chako chakaomarara nekuti uri kuti munhu ane makore 66 okuberekwa ngaarambe ari ega nekuti anenge awana kodzero yepenjeni yake yese yehurumende. Kungoenzanisa, munhu wenhema anobva kuTurkey, ngatimuti Hasan, akauya kuNetherlands muna 1984 aine makore 31 kuzoshanda. Mudzimai wake, makore mashanu ari junior wake, akabatana naye muna 5. Muna 1989, Hasan ane kodzero yeAOW, mukadzi wake haasati asvika, asi nekuti angobhadhara mipiro kwemakore makumi matatu nemashanu, anowana bhenefiti ye2019%. Hasan akangovaka mari yepenjeni uye mudzimai wake haashande. Vanowira pasi pehushoma hwemagariro uye zvakakodzera kukwidza kuAIO. (Supplementary Income Provision kune Vakwegura). Iye zvino 'mutambi' wedu wechiDutch, ngatimudanei kuti Karel, akafirwa makore mashoma apfuura uye anga achitambira AOW kubvira gore rapfuura. Karel anogamuchira 35% single AOW nekuti akagara muNetherlands hupenyu hwake hwese uye akabhadhara mipiro. Karel akaenda kuThailand pakarepo mushure mezera rake remudyandigere wehurumende pahwaro hwemari yake yemudyandigere, penjeni uye mari yaakachengeta. Akasangana nerudo rutsva rweThai ikoko, zvinosuruvarisa kuti haana kana mari. Vanosarudza kugara pamwe chete uye anorangwa nekuda kwechisarudzo ichocho nekuderedzwa kwe € 70 pamwedzi pamudyandigere wake wenyika. Munofunga kuti zvakanaka here? Zvakare, dai asina kutamira pamwe chete, angadai akave nekodzero yekuwana imwe yakakwana yeAOW inobatsira kwemakore akawanda ari kuuya. Sezvineiwo, handisi kugumbukira Hasan nemukadzi wake nezvekuwedzera kubatsirwa.
Ndinoda kunongedzera chinhu chimwe. Mwero wemutengo muThailand wakakwira zvakanyanya mune dzimwe nzvimbo kupfuura muNetherlands. Ngatitange neinishuwarenzi yehutano.
Uyezve, litre yemukaka inodhura 43,5 baht pano pamutengo wekuchinjana we35 baht, saka inopfuura 1,20 euros.
Oh kunyange huku pano inofananidzwa neNetherlands neGermany pa2 euro pa kilo.
Mukuwedzera, ichokwadi kuti chivharo chakatangwa makore gumi nemashanu apfuura uye ndinofungidzira kuti inosanganisirawo kuderedzwa kwenyika kwe15%. Izvi zvakatemerwa kare-kare pamwero we40 baht per euro. Ikozvino iyo yekugezera makumi matatu neshanu ine mukana wekuti ichawedzera kusvika pakugeza makumi matatu munguva pfupi.
Ndakashanda nguva dzose muNetherlands (uye yose yeEU) kubva pazera re20 kusvika pazera re62.5. Saka vane makore 42,5. Vechidiki vazhinji havatombosviki zera iroro kana makore emudyandigere ehurumende awedzerwa kusvika pamakumi manomwe nemashanu.
Ini ndingagamuchire yangu yekutanga yakabhadharwa AOW premium uye yangu yepenjeni yakabhadharwa anopfuura makore 37,5 mukubata ZVINO? Ipapo hamuchazondinzwi uye navamwe vazhinji vanogunun'una.
Sezvakataurwa naRob V: Hauna kana sendi rimwe chete rawakapa kune yako AOW, asi wakangobhadharira vanogamuchira AOW ZVINO pasi pekutarisira kuti uchagamuchira AOW yako nekufamba kwenguva, inobhadharwa nevateresi ZVINO. Saka kana mutemo weAOW uchigadziriswa mangwana uye uchishanda maererano nemutengo wehupenyu hwekugara munyika yekugara kana kutonyanya kuipa: inoshanda chete kana nyika yekugara iri EU (nekuti Blonde Dollie uye Boreal Owl Seeker vanoda kunyima maTurkey ari kudzoka. uye maMoroccans eAOW yavo), hapana chauchagamuchira kunze kwepenjeni yako yakavanzika.
Sjaak S, nguva yareba kubva 'amai mukadzi' vaita basa repamba uye 'tenzi wemba' akaunza mari. Kwete chete mabasa aya anowanzo kudzoserwa kumashure, iyo yekufungidzira kugona kwemudiwa yakashandurwa kuita chaiyo, inoshanda sevhisi kwemakumi emakore. Vadyidzani parizvino vanewo mudyandigere, kana kuti vanogona kuva nayo, ndosaka mvumo yevadyidzani muAOW yakabviswa pahukama hwakazvarwa mukuru muna 1950 kana mushure.
Mvumo yevadyidzani ichiripo (pasi pemamiriro) kune vakaroora vakura, asi izvi zvinongonyangarika kana boka rezera rafa.
Kana mumwe munhu akasarudza kutsvaga mudiwa asina mari, anotofanira kuzvibhadharira ega. Ndinofunga kuti iri idanho rine musoro nemuridzi wemitemo.
Ndakabhadharirawo vana vevamwe mari yekubatsirikana muhupenyu hwangu hwese hwekushanda uye ndinogona kufunga zvimwe zvishoma.
Sekureva kwechinyorwa chiri mupepanhau Trouw muna Ndira 22, 2018, vakadzi vazhinji vanoshanda zvishoma. Pasi rose, Netherlands iri pachinzvimbo chemakumi matatu nerimwe neavhareji yevhiki yekushanda yevakadzi kusvika pazera re31 yemaawa makumi maviri nemapfumbamwe. Vakadzi vanowanzotambira mari shoma pane yevarume vari pachinzvimbo chakaenzana. Saka mhedziso yako yekuti mabasa anowanzo kudzoserwa kumashure haina kururama. Shanduko dzine chekuita nekudzikiswa kwemubairo weAOW, kusanganisira kubviswa kwemubhadharo wevanodyidzana, zvinongobva pamatanho ehusterity akatorwa nehurumende yenguva iyoyo, izvo zvakakonzera kuti vanhu vazhinji vasangane nematambudziko emari nhasi, kunyanya nekuwedzera kwezuva rekutanga kweAOW. . Pamutemo, hapana anosarudza kugara nemumwe wake asina mari. Nehurombo, izvi zvinowanzova chokwadi muThailand. Zvinonditiza kuti inhanho ine musoro kuti iwe unonyatso kugamuchira izvo zvandinoona sechirango chemutengo we € 35 pamwedzi kwehupenyu hwose, nepo mumwe wako asingazombokodzeri kubatsirwa neAOW kubva kuNetherlands. Wese munhu ane mhosva yezvisarudzo zvake uye zvine musoro kuti haugamuchire mvumo nekuti munogara pamwe chete muThailand, asi mukuona kwangu hazvina kunaka kuderedzwa kweizvi uye kugadziriswa kwemutemo. zvingadiwa.
Zvinogona sei kutaurwa kuti “hapana munhu anosarudza kugara nomudiwa asina mari”? Panguva iyo hukama hunotanga uye vanosarudza kugara vese, zvave pachena here kuti mudiwa wacho haana mari? Uri bofu here kana kuti matsi? Kana zvikaitika kuti muri vaviri hamugoni kuwana chokurarama nacho kana kuti muchinetseka kuwana chokurarama nacho, madii kukurukura pamwe chete? Anogona kutsvaga basa, kana kutanga bhizinesi rake remurume mumwe chete, kana kushanda muTH isina kurongeka chikamu. Kana kuti uuye kuNetherlands umutsvakire basa ikoko, kana kana zvichidikanwa, shandisa masevhisi uye unyorere pekugara uye mvumo yehutano. Chero zvazvingaitika: ita chimwe chinhu nezvemamiriro ako ekugara, ita hunyanzvi, uye ita shuwa kuti unogona kuchengeta bhurugwa rako pachako.
Nehurombo, kupinda kwanhasi paThailand Blog kubva kumubvunzi Hennie kunoratidza kuti zvechokwadi ibofu mune rimwe ziso. Uye akanga asina sarudzo yemumwe mudiwa anoyevedza mune zvemari, chaizvoizvo akamanikidzwa kuti asarudze kutarisirwa kusina kurongwa, uko zvisingaiti kuti vagare pamwe chete uye zvichida kugoverana makore akawanda anofadza pamwe chete.
Ndinofara kuti handina mari kubva kuNetherlands. Iye zvino ndichine mari yandinowana kubva kuGermany uyewo ndinowana mudyandigere kubva kunyika iyoyo.
Hapana chinochekwa. Ini handiwane zvakawanda nekuti ndinogara ndega uye handiwane zvishoma nekuti ndinogara nemumwe.
Ndakaedza kakawanda ikozvino kunyora chimwe chinhu chine musoro pano. Hapana chinouya mupfungwa. Pfungwa dzinoramba dzichindinzvenga. Zvakanaka, hazvina basa neni. Pane chimwe chinhu chakaipa neDutch system pane imwe nzvimbo.
Kune rimwe divi, zvisinei nemamiriro ako ekurarama, hapana kutariswa kunopiwa kuti zvikomborero zvako zvichange zvakaita sei (kureva kana nyika yaamai ine chikwereti chako) uye kune rumwe rutivi, iwe unofanirwa kuburitsa mari yako neyemudiwa wako paunenge wava. baba, une chikwereti chemari, uye haugone kuzvitenga. Ipapo kamwe kamwe mari yemumwe wako inoverengwa. Uye kana asina basa unoudzwawo kuti anofanira kuenda kubasa.
Pane chimwe chinhu chisina kumira zvakanaka pano pane imwe nzvimbo.
What a nonsense reaction, there are many cases pano apo mukadzi/mudiwa wacho haana mari, but even then wopihwa state pension semunhu akaroora/kugarisana and that has been the years and to put down by law.
MuNetherlands, kodzero dzeAOW dzinovakwa zvichienderana nenhamba yemakore iyo munhu akagara muNetherlands. Kana munhu akashanda uye saka mari yakaiswa neavo vanogamuchira penjeni yehurumende panguva iyoyo ... haina simba
MuNetherlands iwewo unogashira pasi penjeni yehurumende kana wakaroora kana kugara mese, zvisinei nekuti mudiwa iyeye ane mari.
Izvozvo zvakashandura makore akawanda apfuura, pawakagamuchira hurumende yehurumende ye2, ikozvino hurumende yepenjeni ndeyemunhu uye chinhu chakanaka nokuti muNetherlands zviri nyore kutarisa kana mumwe munhu achigara pamwe chete kunze kwenyika.
Iwe zvechokwadi uchachekwa kana mumwe wako ainewo rubatsiro kana imwe mari uye zvine musoro.
Iyo AOW yakavambwa muna 1954, ichitevera muenzaniso waBismarck kutenderera 1880, ine pfungwa dzenguva iyoyo, dzisina kana kumboiswa pachena, kusanganisira kuwedzera kwezera remudyandigere wehurumende nekuwedzera kweavhareji inotarisirwa zera uye. hutano mamiriro. Kunyangwe kushandisa iyo rubatsiro muhupfumi hweDutch hwakakanganwa.
Ichokwadi chokuti vamwe vanhu vanosarudza kutamira kune imwe nyika ine mari shoma yekurarama uye kunyange kusarudza shamwari isina mari (kana chero ipi zvayo yakagadziriswa mari) isarudzo yavo yekusununguka. Asi sei “muvakidzani = o.a. Ini ”, ndinobatsira pakubvisa mari kubva kuhupfumi hweDutch? Ndinogona kungofungidzira kuti mamwe mapato (PVV neFVD, kudzvanya vanhu vazhinji vanotama) vanosarudza kuti kururamisira kweAOW kuripo chete kana uchigara muEU. Ipapo iwe hauna rombo rakanaka semugari weThailand, sezvo wasara nepenjeni yakavanzika.
Harry Romijn, Denmark ane uye achiri kuita izvi. Kana uchigara kunze kweEU, ucharasikirwa nepenjeni yako yenyika. Kana kuti unofanira kunge wakagara muDenmark kwemakore makumi mashanu. Kana ndichida penjeni yangu yeDanish idzoke, ndinofanira kudzokera kuNetherlands kana imwe nyika yeEU.
zvakanaka,
Neraki, iyo yekupedzisira haibvumirwe, kunyangwe kuderedzwa kwevanodya penjeni yehurumende vanogara kunze kweNetherlands hakugone kuderedzwa (mutongo wedare). Phew. Phew.
Uye kana mangwana chigadziriso chemutemo chikatambirwa muChikamu chechipiri nekutanga nezviri mumashure, zvichishanda nekukasira, zvino mangwana mutongo uyu hauchakoshi CHINHU.
Ali, Faroek, Aischa naFatima anorema P mairi, Blonde Dollie uye Boreal Owlcatcher mafaro, uye iwe uri muTH.. chibatiso kukuvara.
Ndinoda kunongedzera chinhu chimwe. Mwero wemutengo muThailand wakakwira zvakanyanya mune dzimwe nzvimbo kupfuura muNetherlands. Ngatitange neinishuwarenzi yehutano.
Uyezve, litre yemukaka inodhura 43,5 baht pano pamutengo wekuchinjana we35 baht, saka inopfuura 1,20 euros.
Oh kunyange huku pano inofananidzwa neNetherlands neGermany pa2 euro pa kilo.
Mukuwedzera, ichokwadi kuti chivharo chakatangwa makore gumi nemashanu apfuura uye ndinofungidzira kuti inosanganisirawo kuderedzwa kwenyika kwe15%. Izvi zvakatemerwa kare-kare pamwero we40 baht per euro. Ikozvino iyo yekugezera makumi matatu neshanu ine mukana wekuti ichawedzera kusvika pakugeza makumi matatu munguva pfupi.
Ndakashanda nguva dzose muNetherlands (uye yose yeEU) kubva pazera re20 kusvika pazera re62.5. Saka vane makore 42,5. Vechidiki vazhinji havatombosviki zera iroro kana makore emudyandigere ehurumende awedzerwa kusvika pamakumi manomwe nemashanu.
Ini ndingagamuchire yangu yekutanga yakabhadharwa AOW premium uye yangu yepenjeni yakabhadharwa anopfuura makore 37,5 mukubata ZVINO? Ipapo hamuchazondinzwi uye navamwe vazhinji vanogunun'una.
Beats. Ngatiisei iyo AOW mvumo pamusiyano uripo pakati pe litre yeNL hafu-skimmed mukaka uye kirogiramu yeTH mapfupa ehuku.
"tanga neinishuwarenzi yehutano"? Handinzwisise. MuNetherlands, kubva mucheche kusvika pakufa, tinobhadhara mari ingangoita € 12 x 110/mwedzi + € 385 inobviswa + 6,9% yemari yedu kuburikidza neZVV (ona masiripi ako eAOW ekubatsira, nezvimwewo) uye imwe yese inosvika 95 BILLION ) kubva muhari Hombe yeCommunity, inonziwo RIJKS Treasury. €95.000/17,1 = 5555 nemusoro pagore. Kuziva kuti vakweguru vanovimba zvakanyanya nekuchengetwa, havangashamiswe kana, semuenzaniso, inshuwarisi yeThai (yekutengesa) - kunyangwe mutengo wakaderera wekurapa muTH uye ... pasina hanya nevakwegura - zvakare inokuchengetedza iwe €. 6000 / gore mibvunzo.
Mutengo wemukaka, huku nezvimwe: nekutenda kukuru kune varimi vanonyanya kushanda uye kugovera chikafu muEurope.
THB 35/Euro ? Hapana wandakanzwa, pawakawana inodarika 50THB ye1euro.
Kuderedzwa kwenyika? ? Aiwa, haina kubatanidzwa, imari chete, chero kwaunogara.
Kubvisa penjeni yako: kazhinji zvinogoneka. Wakabhadhara chete AOW kune vanogamuchira panguva iyoyo.
Asi… waiziva kuti pawakaita sarudzo inofungwa yekupedza kuchembera kwako muThailand.
Iko kuderedzwa kunobva pane yedu Dutch system uko kune social chengetedzo mambure, hazvina musoro zvachose kuThailand. Kana vachida kushandisa mitemo yakafanana, vanofanirawo kutipa inishuwarenzi yehutano yeDutch kana zvidzikiso zvakafanana pamutero wepenjeni yehurumende.
Nei dare reparamende reDutch richifanira kufunga nezvevakasiya basa vanozogara mune chero nyika kunze kweNetherlands? Haisi iyo sarudzo YAKO here kugara kune imwe nyika, uko mitengo yekurarama yakadzikira zvakanyanya kupfuura muNetherlands? Handinzwisise kuti sei iyo AOW ichiramba yakavakirwa pamutengo wekugara weDutch chete, uye nheyo yenyika yekugara haishande.
Ehe, idya pamwe nekicheni yenyika uye usingashuvire Hema soseji, Calvé nzungu ruomba, nezvimwewo mazuva ese.
Chero bedzi mitemo nemirairo zvisina kufanana muEurope, izvi zvinoratidzika kunge zvisinganyanyi kukosha kwandiri.
Kana iwe uchizogara kunze kwenyika, kunze kweEurope, unoyera zvakanakira nezvayakaipira uye usaite cherry-tora uye rega vagari veNetherlands vashande uye kubhadhara mafaro ako.
Hongu, kana mukatanga kugara mese kana kuroora, penjeni yehurumende yenyu inodzikira neanenge €300.=. Tarisa webhusaiti yeSVB kuti uone kuti yakawanda sei.
40% kuderedzwa kuburikidza nekuderedzwa kwenyika.
Ndanga ndichiedza kufunga zvese izvo zvakare.
Pension yako yehurumende ichabviswa nekuti munogara mese kana kuti makaroorana, hazvina basa
Pension yako haina chekuita nazvo, zvinoramba zvakadaro, penjeni yangu zvakadaro
Kunze kwenyaya yekuti ndinonzwa kusvotwa kubva kune mamwe maitiro, ivo havazivewo kuti pane dzakasiyana nyaya dziri pavari. Mitemo ine chekuita nekugarisana muNetherlands inoshiviririka kupfuura iyo yekuThailand. Asi zvisinei, kana, kufanana neni, wakashanda kwamakore 42 uye uchifanira kurarama neganhuriro dzepenjeni yako yehurumende nepenjeni, ndinoshamisika kuti chii chiri chose. Kusurukirwa pakati pevakwegura kuri kuita dambudziko munyika dzokuMadokero uye mitemo iri kuita kuti irambe iripo.
Mhinduro yaSjaak S inopa kumiririra kwakanaka kwenyaya iripo muThailand. Vanhu vakwegura ndivo vanotanga kuita kuti upenyu hwavo huve hwakanaka kune imwe nyika iri kure uye zvinoda ushingi.
Vanowanzopawo kukurudzira kwakanaka kunzanga pano nenzira dzine mwero.
Vana vanowana dzidzo iri nani, chikafu uye hupenyu huri nani. Wepakati mukadzi wechiThai kazhinji haakwanise kuwana mari inodarika yakatsanangurwa naSjaak mune yake mupiro wenyaya iyi. Uye kana akawana mari yakawanda, Farang haauye pamufananidzo. Mhedziso: zvinonyadzisa kutema munhu 600 euros nekuti chishuwo chemunhu wese ndechekugovana hupenyu nemumwe munhu uye haisi mhosva, asi chinodiwa chehupenyu ...
"Mitemo ine chekuita nekugarisana muNetherlands" yave iripo kubva 1952, saka rinenge gore rako rekuzvarwa. Saka waiziva zvauri kupinda mazviri uye mhedzisiro yacho. Mutemo = Mutemo, kunyangwe Mutemo dzimwe nguva wakanyanya mutsara. Dai waizogara muNetherlands nemunhu mudiki, kureva izvo chaizvo zvinodikanwa zvehupenyu, ungadai zvakare wakaita kuti penjeni yako yehurumende ideredzwe.
Penjeni yehurumende yakanga isipo muna 1952.
Ndiani anofanira kurarama nemiganhu papenjeni yehurumende nepenjeni? Iwe unonzwa kurwara, unonyora, ndizvo zvandinowana kana ndikafunga nezve chokwadi chekuti vanhu vane miriyoni gumi neimwe muThailand vanongogamuchira mazana matanhatu ebhaht kana zvimwe zvishoma sekupihwa kwekuchembera, kana kuti kune mamirioni makumi matatu eThais ane zvishoma. kupfuura zviuru gumi baht mari pamwedzi. Uye kuti iwe, sefarang, uine mari shoma inosungirwa ye11 baht, enda kunogara kuThailand nesarudzo yako (!) Wobva wanyunyuta kuti unowira pasi pehurongwa hweNetherlands inodhura kwaunowana yako penjeni yenyika uye. pension.
Kana ndakashanda kwemakore uye ndakavaka penjeni yehurumende nepenjeni uye ndichikwanisa kupa hupenyu hwangu nemari iyoyo, zvino mushure memakore makumi mana ekushanda ndinofanirawo kufunga nezvehutungamiri hwekudzokera shure hunozondirambidza. Uye kwete chero zvirambidzo, asi machuru makuru emari yangu yandinotarisira kudzorera. Nepo ndakatozosiya zvakawanda kubva pakushanda kusvika pakusashanda.
Pashure pemakore akawanda ndichishanda uye ndichipa mupiro wangu, regai ndizvisarudzire kuti mari yangu ndichaishandisa kupi uye naani uye kuti ndiani wandichamuka naye. Sezviri pachena kwete.
Pano zvakare: "bureaucracy yekudzokera kumashure iyo ichanditemesa zvirambidzo." Kwete, MUTEMO, wakatotumirwa muna 1952 uye wakava mutemo muna 1954. Saka waiziva kuti zvipi zvaigumira.
Iwe haufanirwe kunge wakashanda kuti ugamuchire yako yepenjeni yeAOW, chokwadi chiri nyore chekuti wakagara muNetherlands chakakwana kuti uwane kodzero yeAOW penjeni. IAOW inobatsira ndeyega, yakasiyana kune vanhu vasina kuroorwa kupfuura vanhu vanogara pamwe chete, saka iwe haungatapudziki kana ukatanga kugara pamwe chete, asi iwe uchawana rubatsiro rwakasiyana. Kana mudiwa wacho akavaka kodzero, achawana rubatsiro rwake pachake kana asvika zera remudyandigere wehurumende
Yep,
Zvimwe chete neni.
Ndinogara kuNetherlands, ndichangobva pamudyandigere, uye mumwe munhu akanyoreswa pakero yekumba kwangu.
Saka "vanhu vakaroora" vanowana mudyandigere wehurumende, nekuti handikwanise kupa kondirakiti yaanorenda kubva kwandiri.
Ndakagamuchira penjeni yepamusoro yeABP yemwedzi wekutanga nokuti ndakashuma mamiriro angu seasina kuroora, asi vakaideredza uye vakadzorera zvinhu zvose zvakare, nekugadzirisa 10% yekudzorera.
Pandakabvunza kuti sei izvi zvakaitwa, ndakagamuchira mhinduro yekuti SVB inondipa cohabiting AOW.
Anofanira kunyora imwe tsamba here achitaura kuti “status” yangu haina kuchinja?
Henry,
Wakambobvunza SVB kuti ipe humbowo hwekuti une waunoshanda naye muThailand?
Ndakasangana nechinhu chimwe chete, SVB inofungidzira kuti kana murume achigara kuThailand anewo shamwari yake ikoko (oh changamire, munozvinzwisisa) Kwete, chero vasingakwanisi kupa humbowo, munofanira kukumbira kuti nyaya yacho ishandurwe. uye retroactively reverse yako yakaderedzwa nyika mudyandigere. MuNetherlands zvichiri nyaya yekuti iwe hauna mhosva chero zvakapesana zvisina kuratidzwa, kunyangwe maitiro ehutsika scoundrels pane ino blog nguva nenguva.
SVB ine mitemo inokatyamadza isingafukidzwi nemutemo.
Kunyangwe kana vauya kuThailand, vanoongorora uye havavabvumire kupinda, kunyangwe vakaita bluff kuti vane kodzero, nekuti havana iyo nekuti havana mvumo yebasa kana yekuongorora kana kuti vanofanirwa kuratidza mvumo kubva. hurumende yeThai yakashandurirwa muchiDutch nezvitambi, kana zvisina kudaro humbowo hwakawanikwa zvisiri pamutemo.
Kwaziwai, Dick
Kana mukatanga kugara mese semunhu ari pamudyandigere, mari imwe chete haichashandi. Iwe hauzochekwa, nekuti iwe uchaziva izvi kana iwe ukazvizivisa iwe zvakakwana. Webhusaiti yeSVB izere navo. Mari yepenjeni inoramba yakafanana.
Kwemakore akawanda zvave zvichifungidzirwa muNetherlands kuti mumwe wake ane mukana wekuwana. Icho chokwadi chekuti capital iyi haiburitse zvakawanda muTH haina basa. Sjaak S anokanganisa pano. Ibasa remumwe munhu kuti achagara muNL kana TH kana kupi zvako. Ngatitii munhu akarega basa anoenda kunogara kuSpain. Ari kuenda kunogara nemudzidzisi weSpanish anotambira Eur 1250 pamwedzi. Handifungi kuti tinomunzwa achigunun’una.
Ngatitii mudiwa wacho atova pamudyandigere: kunze kweAOW, anogamuchira, semuenzaniso, PfZW kana ABP penjeni. Together mambure Eur 1250. Nanhasi hatimunzwe achinyunyuta.
Icho chokwadi chekuti unogara muTH uye kuti vanhu vari muTH vanotambira mihoro yakaderera haina chekuita neNL-AOW system. Mumwe muenzaniso: ngatiti waenda pamudyandigere, wogashira mudyandigere nepenjeni yehurumende, uye wosangana nemukuru wehurumende anopa THB 40K p. mwedzi wakakodzera? Hausi kuzoshevedzera uri pamatenga edzimba here?
Mune mamwe mazwi: isu pano muNetherlands hatifanirwe "kubhadhara" mamiriro avo ekugara kune avo vakauya kuzogara muTH vasina mari yakakwana / midziyo? Kubva pamari yedu yemutero? Nepo vese vakasiya basa muTH vari kuita nepavanogona napo kudzivirira mutero weDutch uye/kana TH ivo pachavo? Handeyi nazvo!
Kana iwe, semunhu anowana mumwechete, uchizogara nemumwe munhu muTH asina mari / midziyo yake, ziva kuti isarudzo yako, sarudzo uye mutoro.
Uye zvakare: zvizivise zvizere usati waenda kuTH. Kune akawanda mawebhusaiti aripo azere neruzivo uye tsananguro. Thailandblog yega izere nayo mwedzi wega wega. Mubhokisi jena risina chinhu kumusoro kuruboshwe, nyora mavara AOW, dzvanya: tsvaga, uye hupfumi hweruzivo huchaonekwa. Rombo rakanaka.
RuudB, unonyora "Kunyange avo vese vakasiya basa muTH vari kuita zvese zvavanogona kudzivirira iyo NL uye / kana TH mutoro wemutero ivo pachavo? Handeyi nazvo!.."
Zvakanaka, iwe unoshinga kuita chirevo! Pakati pemakumi maviri nemakumi maviri neshanu vanhu vechiDutch vanogara muThailand uye iwe unokurudzira kuti uzive tsika dzemutero dzevose vavo. Ndinofunga kuti zvakanaka kwazvo pamusoro penyu.
Generalizing iri nyore kwazvo. Substantiation inyanzvi, RuudB, uye wakundikana pane izvozvo kusvika zvino. Asi huyai mutiratidze manhamba anosimbiswa.
Vakasiya basa vane zvakawanda zvinonetsa muTH, uye kutaura zvakanyanya izvi zvinoenda munzira ina:
1- Yakawanda yemibvunzo ine chekuita nemhinduro dzemutero dzinogona kugadzirwa kushandura euro imwe kuita yakanyanya baht muThailand;
2- matambudziko mazhinji ane chekuita nekugara nekugara muThailand anosanganisira kushandura mamiriro eImmigration uye mubvunzo wakabatana wekuti zvinogoneka sei kuisa baht inowanikwa mubhangi, kana zvichidikanwa kuburikidza nemuchato;
3- kana mafungiro eImmigration achionekwa seakasimba kana akaoma, zvinokurudzirwa kuti kutamira kuLaos / Cambodia, somuenzaniso, isarudzo yakakwana, nokuti euro yakawanda kana shoma inovimbisa kuchengeteka kwekugara ikoko;
4- kunyangwe TH ichiita kuti zvikwanise ne (zvishoma) mari yeThB40K pamwedzi. Kuita kuti pekugara kugoneke, zviri kuNetherlands kuwedzera iyo shoma.
Chikuru chikuru chedhinominator sezviri pachena ndechekuti kana NL ichigara pamwe kwenguva pfupi, "mvumo yehurombo" inofanirwa kupihwa muTH.
Mitemo yeAOW inoshanda kune wese munhu, chero kwaunogara.
Semunhu asina kuroora unowana imwe AOW yakawanda. Kana iwe wakaroora, kugarisana kana kugovera gonhi repamberi, iwe uchagamuchira akati wandei maeuro mashoma. Kana mumwe wako asvikawo zera rekuenda pamudyandigere, anogashira yakaenzana AOW mari sezvakatotambirwa nemumwe wako. Saka hafu imwe neimwe. Pamwe chete izvi zvinopfuura imwe chete AOW. Pane 1 chete!!!! Kuti ugamuchire AOW unofanira kunge waigara muNetherlands! 40 years ndinotenda. Murungano urwu, munyoro anochekwa maererano nemitemo inoshandiswa. Mai havagamuchire chinhu nekuti havana kugara muNetherlands kwemakore makumi mana. Kwete kunyange kana asvikawo zera remudyandigere.
Zvinogona kusanzwika zvakanaka, asi nepenjeni yehurumende "yakadzikiswa" yehurumende, kanokwana katatu zvakanyanya zvinogona kuitwa muThailand kupfuura muno muNetherlands. Mudzimai uyu anoshandira muhoro unoshanda kuThailand. Saka maererano nesimba rekutenga riripo! Saka ndinofunga kuti pamwe chete vane mararamiro ari nani kupfuura vanhu vakawanda vakwegura vanogara muNetherlands.
Wadiwa Hennie, hapana chikonzero chekufonera ABP. Iwe wakatemwa AOW yako, saka unofanirwa kubata neSVB.
Unogona kupikisa izvi uye kupokana kuti mumwe wako ari mumba mako kuti akupe rubatsiro rusina kurongwa nekuda kwe: mamiriro ako enyama. Ita ive nyaya yekuchema, pamwe nechitupa kubva kuna chiremba weThai.
Makore mashoma apfuura, hurumende yakaronga kuti vanhu vane mudyandigere wehurumende avo, semuenzaniso, vanotora mwana kana neimwe nzira, havachawana kuderedzwa nekuti vanogona kupa rubatsiro rusina kurongwa. Vanofunga kuti pachiyero izvi zvichabereka zvakawanda kupfuura zvinodhura.
Pasati pave nemamwe mazwi anorwisa izvi, ndinotaura kubva pane zvakaitika!
Rombo rakanaka, Piotr.
Uye zvino isu, vateresi veDutch, tinofanira kufadzwa nemisodzi yevaDutch pensioners muTH pavanoratidzwa nokuda kwekunyengera kwavo?
Kana pasina Hennie kana mudiwa ari kuda kutarisirwa, zvinoreva kuti kutarisirwa kusiri kurongwa kunodiwa, kurudziro iyi haina kufanira. Pamusoro pezvo, kana SSO kana SVB ikambouya kuzoongorora, uchasangana nefaindi dzakakura.
Saka kungokorokoza zvinhu?
Handizivi, asi ndinogona kushandira izvozvo pano muNetherlands ??
Unofunga kuti izvi zvakajairika uye zvakarurama here?
way
Ndakanzwisisa kuti isu muNetherlands takasunungurwa, kureva kuti murume akaenzana nemukadzi. Chero ani zvake anorega pazera remakore 65 - 66 - kana zvichida mukuru - ane kodzero ye 787 euros pamunhu pamwedzi, kune vose varume nevakadzi pavanongosvika pazera rekurega basa (kunze kwemhosva dzekare), i.e. kwatiri. .yatinofanira kuita muNetherlands neaya 768 euros uye penjeni yakavakwa nemurume wangu kusvika ini ndave nemakore makumi matanhatu nemanomwe, uye ipapo ini ndichagamuchirawo 67 euros.
Sezvineiwo, takapa mari yekuchembera nenguva, kana zvisina kudaro taizoenda kubhangi rekudya.
Mhinduro yacho iri nyore.
Kutamira kuGermany. ipapo mitemo yakasiyana inoshanda. kuderedzwa hakuzorambidzwe.
Kunyangwe ukabva kuGermany uchienda kuThailand, mari yemudyandigere nepenjeni yehurumende kuburikidza neGermany inoramba isina kukanganiswa. Ndiri kuedza kutsvaga kuburikidza neakaunti yangu kuti inoshanda sei muBelgium neLuxembourg.
Wadiwa Rori, Mugari wemudyandigere wehurumende anogara kuGermany anofanirawo kungwarira kuti ane imba ari ega kana nemumwe munhu.
Nemunhu wechipiri, zvinoita musiyano muduku kuSVB kana uyu ari mukwanyina weroorano wapamutemo kana kuti mumwe munhu anogovera mhuri yako zvechigarire.
Mumwe munhu munyaya yapashure anofanira kushuma ikoku kuSVB, uye, kungofanana nokumwe kwose kwose, penjeni yavo yehurumende ichaderedzwa uye, kana vakakundikana kushuma, iye achatongwa.
Kudzora pamhuri uye mamiriro ekugara anogona uye zvakare anoitwa muGermany pasina chiziviso chekutanga
Kana iwe uri kutaura nezve kusunungurwa kubva kune chero "mutero wemutero", izvi zvinoshanda chete kana iwe uchikwanisa kuratidza zvakajeka kune vekunze mitero muHeerlen kuti unogara zvachose munyika yako itsva yekugara uye hauna imwezve pfuma kana zvisungo muNetherlands. , uye unongofanira kubhadhara mutero munyika yako itsva yaunogara.
Mukupindura mubvunzo waHennie...
chidimbu ichi kubva kune ABP webhusaiti.
Uri kutowana penjeni uye wava kuroorana, kugara mese kana kupinda mumubatanidzwa wakanyoreswa. Ipapo bhenefiti yaunogamuchira kubva kuABP inogona kunge yakaderera. Izvi zvinokonzerwa nekushandurwa kweAOW. Iyo SVB inogadzirisa yako AOW kubva kune isina kuroora kuenda kune yakaroora/kugarisana. Kana maroorana, nyoresai mumwe wenyu, kana kuti motanga kugara mese, haufaniri kutizivisa nezvazvo. Isu tinogashira izvi kubva kukanzuru neSVB. ABP inozogadzirisa kubatsirwa kwako. Izvi zvinoshanda chete kana penjeni yakawedzerwa neABP pamberi paNdira 1, 1995.
Pane chirongwa cheSVB chepamutemo chechero munhu asina kuroora uye asingade kuderedzwa kwepenjeni yavo yeAOW: chirongwa chemba-mbiri. Mamiriro acho haafanire kuroora uye kuve neimba yako (kana kurenda kana kusufruct) uye kubhadhara zvese zveimba iyoyo iwe pachako. MuThailand unogona kurenda yako imba kana condo ye3000 baht, une kondirakiti yekurenda muzita rako pachako, pamwe nemagetsi, nezvimwewo uye wakanyoreswa neamphur (municipality) pakero iyoyo kuburikidza, semuenzaniso, bhuku remba. Kune yekupedzisira iwe unofanirwa kugara ikoko wega. Uye kana mumwe wako aine imba yake kana rendi, ipapo unosangana nehurongwa hwedzimba mbiri uye unogona kuratidza izvi kuSVB nemagwaro anotsigira. Zvinokubhadharira mari inosvika zana remaEuro pamwedzi sezvandinotsanangura uye nekukuchengetera kuderedzwa kwe100 Euro paAOW yako. Uye munogona kugara mese nguva dzese nekuti mese mune imba yenyu.
Kana wasara nemari, unogonawo kutenga imba yako pamunda wakarejeswa. Imba nevhu zvinova zvakakosha zvakanyanya gore rega rega pane mhindu pabhangi. Kana iriyo kero yako yepamutemo yepamba, unogara ikoko wega, musikana wako pakero yake. Hapana jongwe rinochema nezvazvo.
Ndakatengera musikana wangu nzvimbo, ndikairejesa ndokuisa imba pairi. Ndiko kwandinochengeta midziyo yangu kubva kare uye ndichiri nenzvimbo yangu. Handisi kumbovapo, asi handicho chaive chiri chinangwa. Yakazara, saka kana ndikapenga, anogona kuirenda ipapo ipapo.
Uye kana paine vanoverevedza vanokutengesa paSVB, zvese izvi zvinobuda zvinoburitsa pachena kuti pane shanje uye kutsamwa, saka iwe unofukidzwa nehurongwa hwedzimba mbiri, zviri pamutemo.
Imwezve mukana ndeyekuti paunoenda pamudyandigere, unosiira musikana wako chipo chakanaka.
Ndine dambudziko rakafanana. Semurume akafirwa ndaigara ndega, asi zvakatowedzera kuoma nekukura kwako. Uyezve, ndave ndine chirwere chemwoyo kwerinopfuura gore, izvo zvisingamboiti kuti zvinhu zvive nyore. Ndakawana mhinduro: anogara-mumba muchengeti / muchengeti. Anofanira kugara kune imwe nzvimbo, asi nekuti ndine imba yakakura ine imba yekugezera yakasiyana, dambudziko iroro rakaita serakagadziriswa. Pakupedzisira, ndinogonawo kuwana zvichemo zvakakomba usiku. Ane room yake ine bathroom ini ndine yangu, asi kana paita emergency ndinogona kumufonera kana kumufonera.
Asi kwete: maererano neSVB (Asocial Insurance Bank), ini zvino ndine hukama (hwewanano) uye saka ndiri kutemwa. Iyo ABP inonzwa izvozvo uye muchidimbu zvakare. Isu tose takabhadhara penjeni yehurumende chikamu chikuru chehupenyu hwedu, asi kubhadhara inyaya yakasiyana. Sei ndisingakwanisi kuwana mari yangu? Kwete, hurumende yeDutch inofanira kupindira nezvose uye ndinofanira kuramba ndichivaudza kuti ndichiri mupenyu (zvichida havadi izvozvo) uye kuti ndichagadzirisa sei mukukwegura kwangu.
Baba vangu mushakabvu vakaverenga mapremium akaomarara einishuwarenzi yeupenyu hwese.Ini naiye mumakore edu makumi mashanu: haufe wakawana izvozvo zvakare. Akabva averenga kuti aizofanira kurarama kuti ave nemakore 126 kuti awanezve izvozvo.
Ndinewo kamari kandinotambira kubva kuEnglish Old Age Pension OAP. Ivo vanobhadhara pamwedzi uye havambobvunza kana uchiri mupenyu uye haufanirwe kuziva zvaunoita nemari yako. Izvi zvakare zviri nyore uye zvakachipa maererano nemari yekutonga!
Rega ndimbofunga .
300 euros ari kutenderera zviuru gumi baht izvozvi.
Makaroora kana kugara mese here?
Unorenda imba yakachipa iri pedyo
kweanenge 2500 baht (zviri nyore kupinda muIsaan)
uye unyore ipapo.
Ipapo iwe zviri pamutemo unogara wega uye maziso ako haana kugurwa.
Unogona kuramba wakavata nomukadzi wako, asi haugari ikoko!
Inochengetedza 7500 baht pamwedzi uye kana ukambonetsana nemumwe wako,
Iwe une nzvimbo yako pachako pakarepo.
P.S. - haishande nemuchato visa!
Chete kana pamudyandigere wako wakavakirwa pa800,000 baht!
Hurumende yeDutch inotya. Uye kwete zvishoma zvakare.
Sei? Ndobva ndatsanangura.
Mamirioni emaeuro mukubatsira kwevana anoyerera achienda kuMorocco neTurkey.
Ndinoda kuona kuti ndeipi hurumende yeDutch inogona kuratidza hushingi hwekumisa rubatsiro rwevana kunyika idzi.
Kana vakaedza izvozvo, unowana zvidhori zvekutamba. Nekuti ipapo Netherlands ichange ichitamba nemoto.
Saka inenge iri nyaya yekutaura chete kwete kuenda mberi.
Iyo Netherlands zvakare haityi kuchengetedza vapoteri vehupfumi. Kana vakadaro, vanowana mhepo (kureva, dutu) kubva mberi. Saka pane kushaya kushinga ikoko zvakare.
Zvinosvika kure kuti vapoteri vehupfumi ava vanowana nzvimbo yemahara uye yekugara pano, nepo ivo vanotsvaga imba vanosara vachizamura.
Iye zvino mapenjeni edu ekunze kwenyika.
Ndinoda kuona kuti ndevapi vanotambira penjeni yehurumende vachakwira pachikuva kuti vawane kodzero dzavo. Izvozvo hazvizomboitiki. Uye vanotya vezvematongerwo enyika vechiDutch vanonyatsoziva izvi.
Saka vakwegura vanotambura vari kushungurudzwa nevatungamiri ava. Hakuna humbwende hunodarika uhu.
Mhinduro yangu (yechiroto) ingave yekupa munhu wese wemuDutch anogara kunze kwenyika kurapwa kwakafanana nevapoteri vehupfumi vanogamuchirwa nemaoko maviri nehurumende inotya iyi.
Kana zvisiri, saka zvakare shandisa inishuwarenzi yehutano yeDutch kune AOW vanodya penjeni kunze kwenyika.
Asi hurumende yehumbwende iyi haitye, saka...
Ivo vanosarudza kupomba mari mukuchengetwa kwevapoteri vehupfumi uye kubatidza pombi yemari yekubatsira vana kunyika dzedu dzinotaura chiArabic.
Bravo Netherlands!!!
Kubatsirwa kwakawanda kwevana kunoenda kuPoland nenyika dzakavakidzana nesu.
“Mari yakawanda inoenda kuPoland. Gore rapfuura, 16,1 miriyoni euros mukubatsira kwevana yakabhadharwa kunze uko. Belgium (7,8 miriyoni euros), Germany (7,8 miriyoni euros), Morocco (2,9 miriyoni euros) uye United States (959 zviuru zveeuro) variwo mumashanu makuru.
Kunobva:
https://www.nu.nl/geldzaken/4246257/vorig-jaar-412-miljoen-euro-kinderbijslag-in-buitenland-uitgekeerd.html
Kana kuti unoda kubhadhara mari yemwana zvichienderana nenyika ipi? Kana kungoibvisa zvachose kune imwe nyika yekunze? Kubatsira kwemwana kunoendawo kuThailand. Asi nekuda kwekuti kune vashoma mhuri dzeDutch-Thai, nhamba yacho yakaderera zvakanyanya mumaeuro.
Vapoteri vehupfumi havapihwe hupoteri muNetherlands, nekuti hapana chikonzero chakanaka chekupotera. Ndosaka 99% yevaMoroccan vanonyorera hupoteri vachidzoserwa. Ndiyo mupoteri anopupurirwa wezvematongerwo enyika, hondo uye zvichingodaro. Ingotarisa ind.nl kana kuverenga nhau. Iro kamuri yemahara nebhodhi zvakare hazvina maturo, asi vanhu vanoramba vachiparadzira izvo zvisina maturo. Ndinoramba ndichizvidzokorora:
- https://www.thailandblog.nl/expats-en-pensionado/pvv-grootste-partij-nederlanders-thailand/#comment-473585
– kutanga kwegore rino asi handisi kuzviwana zvakadaro.
Ndingati, kunyorera mapato, kuvhota, kujoinha bato, nezvimwewo uye kuratidza kuwedzera kwemudyandigere wehurumende, mvumo yehutano, kuunganidzwa kwekubatsira kwevana (kunze kwenyika?) zvichingodaro. Kana ruzhinji rweNetherlands rusingapokane neizvi (funga nezvekuwedzera kwemitero kuti uwane mari yezvose) saka unogona kuwana nzira yako. Nekudaro, ndapota vhurika kune chokwadi uye manhamba pane kunongedza ura hwako kune 'maArabu'.
chander,
"Mamirioni emaeuro mukubatsira kwevana ari kuyerera achienda kuMorocco neTurkey."
Izvi zvakatodzoserwa kumashure ne60% mumakore achangopfuura. Imwe 40% haina kubvumidzwa nemutongi. Netherlands inyika yebumbiro remitemo.
'Netherlands hainawo kutya kuchengetedza vapoteri vehupfumi.'
Vose vachadzorerwa. Izvi zvinogona kutora nguva uye dzimwe nguva zvakaoma kuparadzanisa vapoteri chaivo kubva kune vapoteri vehupfumi (vanenge makumi mashanu nemakumi mashanu).
Period 2014-2016 nhamba yezvikumbiro zvehupoteri 82.000; akapiwa 47.000; mukuita 10.000; haina kupihwa 25.000 -
Kubva muna 2000, pakati pe30 ne70 muzana yakadzorerwa.
Chaizvoizvo, ese aya expats muThailand zvakare injodzi yakakomba kune yakanaka Thai tsika. Vanokwidza mitengo yemba, vanodzivirira Thais kuwana hutano uye vanodhura nzanga yeThai mamiriyoni ebhaht.
Zvinhu zvakawanda zvakataurwa pano hazvipesani nemutemo (zvisiri pamutemo), asi zvinopesana nechinangwa chemutemo. Zvakangofanana nemusiyano pakati pekunzvenga mutero nekunzvenga mutero.
Handinzwisise kuti sei vanhu vane pfungwa shoma kana vasina tsika vasingasarudze nzira iri nyore muThailand. Panzvimbo yekuzvirojera nzvimbo ine bhurasho remazino muimba yekugezera, unongotora vana 3, 4 kana 5 kubva kuvabereki vanotambura mumusha. Vanogamuchira surname yako uye vava vana vako pamberi pemutemo. Vanoramba vachigara nevabereki vavo, asi zvino vanovashanyira mazuva ose. Izvi zvinogona kuitwa nyore nyore muThailand. Iwe unopa vabereki mari shoma yehomwe pamwedzi (kureva Freek de Jonge: 'kana ndisina chinhu, ndichatora zvose') uye kuunganidza mwana kubatsirwa kubva kuNetherlands iwe pachako, inenge 260-325 Euro per quarter.
Uye pamusoro pezvose: tora musikana wemakore angangoita 16-17 uye muroore mukati mevaviri. Munosarudza soya yechivi moiaina. Zvose zvinobvumirwa nemutemo. Uye saka iwe unogona nyore kuve (inenge) iyo 800000 Baht muakaundi yako iyo yaunoda kune yako vhiza yekuroora.
Kuti uwane vhiza yewanano iwe unoda mazana mana emazana mana baht uye unogona kukanganwa nezvechiDutch mabhenefiti evana.
Kuroora mushandi wehurumende ane muhoro unonzwisisika uye marwadzo ekuderedzwa anobva angoderera zvakanyanya. Pamusoro pezvo, inishuwarenzi yehutano haisisiri dambudziko guru sezvo yakarongerwa vatsigiri.
Kuve nebasa rehurumende rine muhoro unowanzova wakaderera kunowanzoonekwa sekudyara mune ramangwana kana rombo rakaipa kana kuchembera rarova.
Uye hurumende inowana yakavimbika, monarchist boka mukudzoka, saka imhando yekukunda-kuhwina.
Sezvatotaurwa, iyo penjeni yeABP zvakare inoenderana neiyo AOW mamiriro. Iyo ABP ndiyo (sezvandinoziva) ndiyo yega homwe yepenjeni apo izvi zvinoshanda. Izvi zvakataurwawo pane yepasirese pension overview iyo iwe semudyandigere unogamuchira kubva kuABP:
"Benefits yako inogona kuchinja nekuda kwe:
- shanduko yemamiriro ewanano yako kana AOW kodzero"
Saka kana chimiro cheAOW chikachinja kubva kumunhu mumwe kuenda kukugara pamwe chete, penjeni yeABP (kusvika padanho rakawedzerwa Ndira 1, 1995 asati asvika) ichaderedzwa.
Mashoko ari pamusoro apa anoti kugara mese mumba zvinoreva kuti muri kunzi muri kugara pamwe chete neSVB yeAOW saka hamuchakodzeri kuwana penjeni yeAOW isina kuroora. Asi sezvinogona kuverengerwa mune iyi link pazasi, kugarisana kunofanirwa kusangana nemamiriro ezvinhu:
https://www.svb.nl/int/nl/aow/wonen_met_iemand_anders/samen_wonen/
ICHOKWADI chokuti mumwe munhu anogara pamwe chete hachisati chiri chibvumikiso chaichoicho chokuti hapachisina kodzero yepenjeni yehurumende nokuda kwavaroorani vasina kuroorana. Semuenzaniso, kana munhu waanogara naye asingapi (kusvika chero kupi) kumhuri (kuburikidza, semuenzaniso, kupa mabasa mazhinji epamba) uye asingapi mupiro wemitengo yemba, saka munhu achiri nekodzero asina kuroora AOW penjeni! Izvi zvinoshanda kune vese Netherlands neThailand!
Kubva pane akati wandei mhinduro paThailandblog, zvinoita kwandiri sekuti iyo SVB dzimwe nguva inoita zvekumanikidza uye zvisiri pamutemo kubva pachinzvimbo chesimba. Muenzaniso unotyisa uye unosiririsa weizvi unogona kuverengerwa paThailandblog kuburikidza nekubatanidza:
https://www.thailandblog.nl/lezers-inzending/lezersinzending-nederland-sociaal-nee-de-4e-macht-heerst/
Nezve kubhadhara mutero: kana uchigara muThailand semunhu ari pamudyandigere, unowanzo bhadhara MUSORO mutero kupfuura muNetherlands. Asi zvinhu zvakati wandei zvinoramba zvichibhadhariswa muNetherlands (zvakadai seAOW, ABP state pension, annuity payments), saka vakasiya basa muThailand vachiri kubhadhara mutero muNetherlands! Kusiyana nekubhadhara mutero wakaderera, vanhu vanogara muThailand havasisina kodzero kana kuti havachakwanisi kushandisa nhamba huru yezvivako izvo (zvimwe) zvakabhadharwa nehurumende muNetherlands (zvakadai sezvivako zvehutano). Saka ini handifunge kubhadhara mutero mudiki hazvina kunaka, sezvakataurwa mune akati wandei mhinduro pamusoro, uye chirevo chekuti "kunhonga cherry kubva pai" haina musoro!
Gerard, wakarovera chipikiri mumusoro! Ndaida kuzvitaura ini, asi mhinduro dzangu dzaive dzatowanda. Mhinduro yako yakajeka uye yakajeka.
Ndinoziva vamwe vanhu vechiDutch vanogara pano nemusikana wavo weThai. Zvakadaro shamwari yechiThai inogara zviri pamutemo nevabereki vake. Iye zvino ndava kunzwisisa kuti sei vanhu vachizviita saizvozvo.
Handizvo chete chikonzero.
Thais vanoramba vakanyoreswa kunzvimbo yavo yekuzvarwa kunze kwekunge paine zvikonzero zvinomanikidza zvekuchinja izvi. Kusiyana neNetherlands, Thais haatombogashira tsamba kubva kuhurumende, nezvimwe.
Somuenzaniso, musikana wangu akanga akaroorwa neThai kwemakore mana munguva yakapfuura uye, setsika, akaenda kunogara nevabereki vake. Asi kero yake yepamutemo yekumba haina kumbobvira yachinja.
Hanzvadzi yake yave ichigara uye ichishanda muBangkok kwemakore gumi nemashanu asi zviri pamutemo achiri pazvitupa zvake zvekuzvarwa.
Munin'ina wake anga achigara kumwewo kwemakore gumi nemaviri, asi zviri pamutemo achiri pakero yekuzvarwa.
Hapana akabhadhara mari yepenjeni yehurumende, nekuti kazhinji vakabhadhara avo vakatowana mabhenefiti panguva yebasa ravo.
Kuti vadzivirire chizvarwa chemazuva ano, avo zvino vanofanira kubhadhara mari yehurumende yemazuva ano, kubva pamari inowedzera yakakwirira inobata nhamba inowedzera yevagamuchiri vepenjeni yehurumende, zvikumbiro zvakasiyana-siyana zvakaiswa.
Imwe yeaya maapplication ndeye kuderedzwa paAOW kana paine cohabitation kurwiswa.
Kunyange zvakadaro kusaruramisira uku kuderedzwa kungaratidzika, uye ndaifanira kumedza zvishoma pachangu, dhigirii iyi haisi muNetherlands neThailand chete, asi pasi rose.
MuNetherlands nedzimwe nyika dziri nani pamagariro/nehupfumi, dhigirii iyi inowanzotorwa nemudiwa ane mari iri nani kana penjeni.
Zvechokwadi zvakasiyana munyika umo mihoro yakaderera zvikuru uye mabasa emagariro evanhu haagoni kuenzaniswa zvachose nenyika dzakawanda dzeEurope.
Ko chizvarwa chemazuva ano, icho mune chero mamiriro ezvinhu anotofanira kubhadhara nekuda kwekuwedzera kwenhamba yehurumende yepenjeni, kutambawo kune inshuwarisi yepasi rose inovhara mihoro yose yenzara uye inoshaya penjeni?