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Home » Mubvunzo wemuverengi » Mubvunzo wemuverengi: Mutero paAOW?
Mubvunzo wemuverengi: Mutero paAOW?
Vadiwa vaverengi,
Ndanga ndichigara muThailand semunhu akakurumidza kuenda pamudyandigere kubva mukupera kwaZvita 2015. Ndinotarisira kusvika zera re63 July anotevera. Ini parizvino ndinogashira penjeni yepamwedzi kubva kuABP, iyo inopfuura inosangana nezvinodiwa mari yekugara muThailand.
Zera rangu remudyandigere wehurumende makore 67 nemwedzi mitatu. Ini ndichabva ndagamuchira yakaderera ABP mudyandigere (mambure huwandu hwatozivikanwa) uye zvakare neAOW bhenefiti. Ndinonzwisisa kuti huwandu hweAOW pamwedzi hunoenderana nekuti hauna kuroora kana kugara mese. Ndakaona ese magross amounts.
Mubvunzo wangu: Ndinonzwisisa kuti zvinhu zvose zvinogona kuchinja panguva ino, asi ndinoda chiratidzo chemutero upi uchabviswa kubva pamari inozivikanwa.
Vaverengi veThailandblog vanga vachitobata neizvi vandiudze kuti maperesenti avari kubata nawo?
Kwazisai,
ba
Mubvunzo wekutanga wandinawo ndewekuti: Wakaregererwa kubva kuNetherlands here? Kana zvakadaro, zvinotevera zvinoshanda:
Iwe unozobhadhara 8.9% mutero wemari pamari yako yeABP uye AOW bhenefiti. Unogona kuwana mari pazvirevo zvako zvepagore kubva kuABP neSVB.
Aya maviri emari akazara achawedzerwa pamwe chete pamutero wako wemutero uye iwe (pamwe) unofanirwa kufunga nezve 2st bracket 1% ye euro 8.90 uye yasara yechipiri bhureki 19982%
Kana ikadzimwa, hapana mari yeinishuwarenzi yehutano kana chero.
Kana zvisina kunyoreswa, ndinokupa zano kuti ungotarisa tafura yemutero yemabhuraketi 1 uye 2 painternet. Ikoko uchawanawo chikamu chemari yeinishuwarenzi yehutano, nezvimwe.
Handitendi kuti ndizvo chaizvo. Ndagara muThailand kwenguva yakareba, ndine penjeni yeAOW, penjeni yeABP uye ndakadzimwa kubva kuNetherlands. Zera rangu ndine makore 73. Iyo penjeni yeABP "kazhinji" inobhadhariswa mutero, iyo AOW bhenefiti HAINA MHOSVA!
Izvi zvinoreva: mari yemutero chete inobviswa kubva pagore rekubhadhara rezororo reAOW muna Chivabvu, asi iyo mari shoma inodzoserwa gore rega rega kuburikidza nemutero wemutero.
Sekuona kwangu, bhenefiti yeAOW haina mutero, asi mune yako hapana kunyimwa kuchaitwa. Zvisinei, kana iwe ukaisa mutero wako wekubhadhara mutero, iyo AOW neABP pension inowedzerwa pamwe chete uye iyo yose inoverengwa maererano nezvaunokwereta.
Anodiwa Henk,
Icho chokwadi chekuti, kunze kwekubatsirwa kwako kwezororo, hapana mutero wemubhadharo unonyimwa kubva kuAOW yako yekubatsira hazvirevi kuti "haisi zvachose", sezvaunonyora.
SVB inoverengera mutero wemuhoro pamubhadharo wako weAOW, asi kwauri inobvisa chikamu chemutero chechikwereti chemutero, chikwereti chemutero chemunhu akura uye pamwe nechikwereti chemutero chemunhu akura mumwe chete. Kana huwandu hwezvikwereti zvemutero izvi zvakakwirira kudarika mutero wekubhadhara unofanirwa, hapana kunyimwa kuchaitika.
Asi kubva muna Ndira 1, 2015, hausisiri kodzero yezvikwereti zvemitero, pakati pezvimwe zvinhu, kana uchigara kunze kweEU, Iceland, Norway, Switzerland, Liechtenstein kana pane chimwe chezvitsuwa zveBES.
Uku kukanganisa kwakaitwa neSVB, yandinogara ndichisangana nayo mukuita kwangu. Mune zvimwe zviitiko, SVB yakatoenda kure zvekuti mutengi, uyo pakutanga asina kushandisa zvikwereti zvemutero, akagamuchira zvisizvo zvachose tsamba kubva kuSVB inotaura kuti yakange yaona kuti mutengi aive mushure mezvose aine kodzero yekubhadhara mutero. Izvi zvinobva pakusagona kwese pachikamu cheSVB.
Iyi isiriyo mamiriro ezvinhu anogara achionekwa neVateresi Vakuru uye ipapo turnips inobikwa (kana, ngatiti: yakatsva dema). Iwe unogona ipapo kuvimba pane imwe ongororo neVateresi Vakuru vemakore 2015, 2016 uye 2017, pamwe nemutero wemutero. Iwe unozogamuchira zvakare ongororo yenguva ye2018.
Kwenguva diki, "unogona" kutumira ingangoita mwedzi mitatu yeAOW kubhengi kuaccount yeVateresi Vemitero kuING. Iwe unogona kubhadhara iyo 3th yemwedzi bhenefiti (yenguva yekuongorora ye4) muzvikamu mukati memwedzi yasara muna 2018.
Uye mune yako inogona kutopfuura mwedzi mitatu yekubatsira kweAOW maererano nepenjeni yako yeABP. Ndapota funga izvozvo.
Iwe unokwereta 2018% yemutero wemubhadharo pane yako AOW bhenefiti ye8,9. Kana SVB ikasakunyima izvi kubva kubhenefiti yako nekuti vachiri kushandisa zvikwereti zvemutero, saka unosungirwa kuzivisa SVB kuti mari yemutero haifanirwe kushandiswa. Iwe unoita izvi neDigiD yako pa "My SVB". Zvikasadaro iwe uchafanirwa faira remutero wemutero, nekuti iwe unogona kuziva kuti une chikwereti chinodarika € 45 mukuongorora. Mune chimwe chiitiko, zviremera zvemitero zvakashandisa chirango chenguva dzose kumutengi wangu nokuda kwokusaisa mutero nenguva. Chokwadi ndakapikisana nazvo ndikabudirira.
Vakuru veMutero vanogona kuramba vachiisa ongororo kweanosvika makore mashanu mushure megore remutero. Uye kana izvozvo zvikasaitika mukati memakore mashanu iwayo, saka une rombo rakanaka uye unogona kufunga nezvepati nemhuri uye neshamwari.
Ndinokushuwirai kubudirira.
Lammert de Haan.
Wadiwa Rob,
Ini ndinonzwisisa kubva kune yako meseji kuti iwe unotogara muThailand uye ipapo musimboti hapana zvakawanda zvichachinja kwauri. Kubva pakuona mutero, zvinhu zvose zvinoramba zvakafanana.
Ini ndinofungidzira kuti penjeni yako yeABP ipensheni inowanikwa kubva kubasa rehurumende. Nekubatanidza iyo AOW bhenefiti ichiri kuwanikwa, penjeni iyi ichaderera zvakanyanya. Nekudaro, inoramba, sezvakangoita izvozvi, inobhadhariswa mutero muNetherlands. Izvi zvinoshandawo kune iyo AOW bhenefiti yaunogamuchira.
Sezvaunotoziva, mabhenefiti ese ari maviri pamwe chete anozodzikira zvakanyanya pane yako yazvino pre-penjeni. Kana iwe uchida kuziva kuti chii chauchange uine mambure mushure mekusvika zera remudyandigere, nditumire ruzivo rwemari yako yeramangwana uye iwe uchagashira kuverenga kwakadzama kubva kune gross kuenda kune mambure nepositi yekudzoka, zvese kana uchigara muNetherlands uye kana uchigara muThailand. . Iwe unogona ipapo nekukasira kuona izvo "zvaunga" kubhadhara yakawanda mumitero CHETE nekuti unogara muThailand kana mutero uye yenyika inishuwarenzi mipiro PAMWE kana uchigara muNetherlands! Izvozvo zvine musoro, handiti?
Ini ndinoita aya marudzi ekuverenga anenge 3 kusvika 4 nguva pasvondo kune vanhu vane zvirongwa zvekutama kana (uye izvi zvave kuitika zvakanyanya nguva pfupi yadarika) vari kufunga kutama.
Nekuverenga kwakadai unogona kundibata nekero yangu yeemail: [email inodzivirirwa].
Kuti uve nechokwadi, ndapota sanganisira rumwe ruzivo nezve penjeni yako yeABP mumeseji yako. Zvinogoneka zvakare kuti wakavaka izvi kubva pachinzvimbo kukambani yehurumende kana yakazvimirira yedzidzo kana yehutano institution yakabatana neABP. Mumamiriro ezvinhu akadaro iwe unosunungurwa pamutero wekubhadhara uye mutero wemari. Asi izvo zvinenge zvatoshanda izvozvi, chero iwe uine sarudzo yekuregererwa kubva kune Vemitero. Zvikasadaro unenge watokumbira mari yakavharirwa zvisizvo nekunyora mutero wemari.
Funga izvi sesevhisi kune muverengi weThailand Blog (ine 275.000 vashanyi pamwedzi, neiyo yakakura kwazvo Thailand nharaunda muNetherlands neBelgium ine ruzivo runobatsira, mibvunzo yevaverengi nemhinduro zuva rega rega).
Lammert de Haan, nyanzvi yemitero (anonyanya pamutemo wemitero yepasi rose uye inishuwarenzi yemagariro).
Zvakanakisa kwemwedzi mitanhatu yaunogamuchira AOW uye mwedzi usati wasvika iwe unofanirwa kuratidza kuburikidza newebhusaiti kuti ini .... Teur Couzy, paFacebook 6
Ndabva kukutumira email (Chivabvu 9).
Ndakaona Rob, asi kubva May 10. Uchapindura here...
Ndine rusaruro! Iwe uchabatwa kumativi ese neBV Nederland! Kana iwe ukapinda pamwe chete, iwe (zvakarongeka) ucharasikirwa neanenge E 300 p/m. Iwe zvakare ucharasikirwa neinishuwarenzi yako yehutano muNetherlands uye inishuwarenzi muThailand inodhura E150-200 p/m (mushure mezvose, uri inshuwarisi ye "imba inopisa"!). Uye kana iwe watopfuura makumi matanhatu neshanu, iwe hauchagone kuita inishuwarenzi iwe pachako.
Ndaida - dai ndaiva iwe - nyatsofunga!
Rombo rakanaka!!
Moderator: Kunze kwenyaya
Ndave neAOW kubva muna Zvita gore rakapera, zvino ndava nemakore makumi matanhatu nematanhatu uye ndakadzimwa kubva kuNetherlands muna Kukadzi. Ikozvino ndagamuchira meseji yekuti handichabhadhare Zvw premium uye mazuva maviri apfuura ndakawana kudzoserwa kwakanaka kwemitengo. yakabhadharwa munaKurume naKubvumbi. , inoitika otomatiki. Kudos to SVB kwandiri.
Inochengetedza 45 euros pamwedzi, ikozvino ingobhadhara imwe mutero, makumi matatu nematanhatu euros.
Izvo zvakaitikawo nenzira imwechete nehomwe yangu yepenjeni, ini handichabhadhara mutero uye premium pane izvi, ndakagamuchira meseji yakakodzera uye bhenefiti yepamusoro. Vachagamuchira ruzivo rwekuti wakaregererwa kubva kuBRP.
Chokwadi, iwe unobva watorerwa inishuwarenzi yako yehutano pasina tsitsi, hauzove nenguva yekutsvaga inishuwarenzi pano, izvo zvinotora nguva.
Sezvineiwo, ndakakwanisa kuiwana nemitengo yakafanana neyekuNetherlands, THB 50360 pagore, inova rudzi rweinishuwarenzi yekutanga neAetna, asi zvirinani handisi kufamba ndisina inishuwarenzi. Ini handina kudzoserwa mishonga muNetherlands zvakare, saka izvo hazvina basa, uyezve ivo hafu yemutengo pano uye pasina kunetsekana kwemirairo uye vakangwara mu pharmacy.