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Home » Mubvunzo wemuverengi » Mubvunzo wemuverengi: Mukadzi wangu wekuThai achawana penjeni yeAOW here?
Vadiwa vaverengi,
Ndiri murume wechiDutch uye ndakaroora mukadzi wechiThai. Mukadzi wangu haashande asiwo haawane mabenefits. Zvino mubvunzo wangu ndewekuti, mudzimai wangu achave nekodzero yeAOW paanenge ari 67?
Ndiani angandipa mhinduro?
Kwazisai,
Dion
hesi,
Iwe unogona kunge unoreva AOW. (General Old Age Act). WAO ndiwo mutemo usina kukodzera kuBasa.
Wese munhu anogara kana kushanda muNetherlands anovaka penjeni yeAOW.
2% pagore. Saka kana mudzimai wako achigara kana akagara muNetherlands, anovaka penjeni yeAOW mumakore iwayo.
Urudzi hwake hahunei nazvo. Anongogamuchira AOW kwemakore aanogara kana kugara muNetherlands.
Rukwaziso rwose. Ray
Ndinofunga unoreva AOW.
AOW inovakwa: 2% pagore iwe unogara muNetherlands. Saka semuenzaniso: kana mudzimai wako akagara muNetherlands kwemakore makumi maviri pazuva rake rekurega basa, achawana makore makumi maviri x 20% = 20% yeAOW inobatsira.
Kana mudzimai wako achigara zviri pamutemo muNetherlands, anowedzera 2% AOW pagore. Kana uchigara muThailand, haana kodzero yeAOW. Makore ayo mumwe wako angadai akagara muNetherlands zvinoreva huwandu hwemakore e2% AOW pagore.
Kuve mugari weNetherlands, mugari wepamutemo kureva kuti, kwakakosha. Pasinei nokuti unoshanda kana kuti kwete, gamuchira mabhenefiti kana kuti kwete, hazvina kukosha. Kuve mugari wepamutemo muNetherlands ndizvo zvinodikanwa. Iwe unovaka penjeni yeAOW kubva pazera re15, 2% pagore.
Kare, murume chete ndiye aiunganidza AOW uye vaviri vakaroorana vakagamuchira AOW murume paakasvitsa makore makumi matanhatu nemashanu, kunyangwe mudzimai aive mukuru. Sezvineiwo, izvi zvakabviswa makore apfuura.
Nguva yekuwedzera yeAOW yachinja kubva pa15 kuenda pa65 kuenda pa17 kuenda pa67.
Izvi zvinoreva kuti ruzhinji rwevakabva kune dzimwe nyika vakatadza kuwana 4% yepenjeni yehurumende.
Sei aizove nekodzero yeWAO mabhenefiti??? Ndinongofunga kuti uri kureva AOW. AOW inowedzerwa nemunhu wese anogara muNetherlands uye akanyoreswa muGBA. Kana munhu angodzimwa kubva kuGBA, iyo AOW accrual inomirawo.
Kana ukadzima kubva kuGBA uye uri muDutch, unogona kusarudza kubhadhara iyo 2% wega gore rega. Iwe unofanirwa kuita kuti izvi zvizivikanwe mukati menguva inonzwisisika, zvikasadaro iyo sarudzo inopera. Ichi chaive chidimbu chekeke kusvika pakati pema90. Asi kubva ipapo mari dzemudyandigere dzehurumende dzakawedzera zvakanyanya uye izvi zvave kudhura zvakanyanya. Chimwe chezvikonzero nei expats vanoenda mangwanani vanochengeta PO bhokisi kero muNetherlands. Ipapo iyo AOW accrual haizovabhadharisi chero chinhu nekuti pabepa havasati vaenda. Izvo zvakashata ndezvekuti iwe unofanirwa kuratidza mhino yako gore rega rega muNetherlands kune yako inishuwarenzi yehutano, asi mutengo wetiketi haupfuuri mutengo weAOW premium.
Iyo "mhino" inofanira kunge iripo muNetherlands kwemwedzi mina, kana zvisina kudaro ichawira pasi panguva yekuongorora!
Hi Dion,
Pane mhinduro iri nyore kune iyi: kwegore rega rega iro mudzimai wako anogara muNetherlands uye akanyoreswa chaizvo ipapo, akawana 2% AOW. Saka kana achigara muNetherlands kwemakore gumi odzokera kuThailand, achagamuchirawo 10 x 10 = 2% AOW ikoko.
Kana, kune rumwe rutivi, achiramba achigara muNetherlands, iye (uye yako 50% AOW) anozowedzerwa padanho rekubatsira munharaunda.
"Kana, kune rimwe divi, akaramba achigara muNetherlands, iye (uye yako 50% AOW) achawedzerwa padanho rekubatsira munharaunda."
Izvi zvinoshanda chete kana iwe usina mari yepenjeni yekuwedzera, kana zvisina kudaro sarudzo yacho haishande.
Ndinofunga iwe unongovaka WAO kana uchigara muNetherlands. 15 muzana gore negore pakati pemakore 65 ne2. Mudzimai wangu wekuThai aigara muNetherlands kubva pazera re20 kusvika pazera remakumi mashanu. Kwenguva iyoyo akagadzira WAO yake ye50 muzana. Iye zvino zvatiri kugara muThailand, haachavaka chero chinhu kana iwe ukasatora danho. Saka, kuburikidza neakaunzi yangu, takaendesa chikumbiro kuvakuru vemitero kuti vaone kana achigona kuramba achivaka penjeni yake. Izvi zvinogoneka kana akabhadhara mari yegore negore inoenderana nemari. Izvo zvinosvika ku60 euros kwaari. Ndinofunga kuti chibvumirano chinoshanda kwemakore gumi. Kana asati ava nemakore makumi matanhatu nemashanu, zvinokwanisika kukumbira kuwedzerwa.
Zvechokwadi haigoni kuva mudyandigere wenyika.
Peter, bhadhara 6000 euros pagore muAOW premium (makore gumi? 10 euros?), Nekusava nechokwadi kunotevera / zviitiko zvinogoneka:
- Ko hurumende yeDutch ichiri kubhadhara yakasimba AOW inobatsira kumudzimai wako mumakore 10-20?
- pamwe mukadzi wako anofa aine makore makumi manomwe, ipapo anozobatsirwa kwemakore matatu… tssss uye izvo pamupiro we70.
- pamwe hurumende yeDutch ichasarudza kuti AOW ichave inotsamira pachiyero chebudiriro muThailand (mune nyaya iripo).
Neaya 60.000 euros zviri nani kutengera mudzimai wako kondomu munzvimbo yakanaka muBKK, kuitira kuti agone kuirenda uye awane mari inotaridza kukwira kwemitengo kubva pazuva raakatenga, uye nekudaro anowedzera penjeni yake yeramangwana renyika kune imwe. akazara imwe. Uye mushure mekufa kwake kunoenda kune chero vana.
Kana kuti iwe unoisa iyo zviuru zvishanu zvemaeuro pagore muhomwe yekudyara yakasiyana-siyana uye rega mudzimai wako abatsirwe nazvo mushure mekunge asvitsa makore makumi matanhatu nemanomwe.
Asi kupa 5000 euros pagore nemhedzisiro isina chokwadi ... zvachose, haambofi. Zviri nani pasi pekutonga kwako!
525 pagore, kwete pamwedzi.
Tichifunga yakaderera zvinobvira mwero
Kukanganisa kwangu. Izvi zvinodaro nekuti ndakazvibvunza nezve izvi ini ndikaudzwa kuti ndaifanira kubhadhara ingangoita mazana matanhatu paMWEdzi kuti ndienderere mberi nekuvaka AOW. Ndakakutendai nazvo and I am now investing that money ini.
525 pagore chipo!
way
Mudzimai wako wekuThai ane kodzero yekuwana penjeni yenyika, asi kwete mari yepenjeni yehurumende
Achagamuchira penjeni yehurumende yakazara kana agara muNetherlands kwemakore makumi mana
Semuenzaniso, kana akagara muNetherlands kwemakore makumi maviri, achawana 20% yekubhadhara
Nenzira iyi unogona kuzviverengera wega izvo zvaanofanirwa nazvo
Peter
Ichi chiverengero chisina kururama, makore mangani aakagara muNetherlands haana basa, semuenzaniso kufunga kwako: 40 makore muNetherlands IS 100% YECHOKWADI HAKUNA CHOKWADI, izvi zvino 80% uye makore makumi maviri zvino 20% uye kwete 40%.
Kana mudzimai wako achigara muNetherlands, anogashira 2% pagore accrual yemudyandigere wenyika kubva panguva iyoyo zvichienda mberi. Saka kana aine makore makumi matatu nemashanu ekuberekwa paanosvika kuNetherlands, acharamba achiwedzera 35% yemudyandigere yehurumende kwemamwe makore makumi matatu nemaviri. Asi! Unogona kutenga bvudzi muAOW kwemakore kubva pamakore gumi nemashanu kusvika pamakore makumi matatu nemashanu. Iwe unobva wagamuchira muripo wekugadzirisa. Inobhadharwa kuburikidza nehurongwa hwekutanga mumakore mashanu kana huwandu hwese mumari imwe chete. Iwe unogona chete kutenga mukati kana iwe ukaratidza kuti unoda kuzviita mukati menguva inonzwisisika (ndinofunga makore mashanu) mushure mekugara muNetherlands. Mushure menguva iyoyo, sarudzo iyi inopera. Kana iwe wakaroora mukadzi wechiThai uye mukadzi wako ari mudiki pane makumi matanhatu neshanu uye iwe unenge uine makumi matanhatu neshanu pamberi pepakati pa32, iwe uchiri kugamuchira muripo wemudiwa (mubhadharo wekicheni). Kana wasvitsa makore makumi matanhatu nemashanu mushure mepakati pegore ra2, izvi zvaperawo uye mumwe wako anotarisirwa kutanga kushanda uye iwe unongowana hafu yepenjeni yehurumende kana mese muchigara pakero imwe chete. Unoona vanhu vazhinji vachigara pamakero 15, zvekuti munhu anotanga kugamuchira penjeni yehurumende awane penjeni yehurumende yakazara.
zvakanaka,
Iye zvino ndakaverenga kuti munhu wose anoti "kana uchigara muNetherlands" iwe unowedzera 2% pagore.
Asi ndaigara muNetherlands uye ndakashanda kune imwe kambani yeBelgian, asi ndakave nechinetso chikuru chekuwana 2% yangu.
Gr. Gerrit
Mhinduro inobva paurefu hwekugara kwemudzimai wako muNetherlands Kana asati agara muNetherlands, haana kodzero yehurumende yepenjeni. Iri ikodzero yaunovaka iwe pachako mumakore aunogara muNetherlands. Mari yacho inobva yaenderana nemamiriro emhuri yako. Kugara pamwe chete kana kwete.
Kana aigara muNetherlands kubva pazera re15, achagamuchira 100% AOW. Kwegore rega rega raaigara zvishoma muNetherlands kubva pazera re15, 2% ichaderedzwa.
Kana wakagamuchira penjeni yehurumende pamberi pe01012015 uye ari mudiki kwauri, unogona kunyorera mari yepenjeni yehurumende kubva kuSVB.
Wadiwa Dion,
Izvo zvinoenderana nekuti akagara kwenguva yakareba sei muNetherlands uye nekudaro akawira mukati meiyo inomanikidzwa yenyika inishuwarenzi (kusanganisira iyo AOW). Kana zera remudyandigere rehurumende remakore makumi matanhatu nemanomwe raishandiswa kwaari, angadai akawana 67% pagore mukodzero dzehurumende dzemudyandigere gore rega rega mushure memakore gumi nemanomwe. Kana asina kugara muNetherlands mushure mezera re17, haana kodzero yeAOW kubatsirwa.
Icho chokwadi chekuti akashanda pano kana kuwana mabhenefiti uye saka akabhadhara AOW premium haina basa. Iwe unowana kodzero nekungogara muNetherlands.
Kuti mudzimai wako anoshanda here kana kuti kwete kana kugamuchira mabhenefiti hazvina kukosha. Nzvimbo yekutanga yekugamuchira AOW ndeyekuti kodzero dzakawanikwa zuva rekutanga rezera remudyandigere risati rasvika. Kune mudzimai wako, anowedzera / akawana 15% mukodzero gore negore kwegore rega rega raanogara zviri pamutemo / akagara muNetherlands mushure mezera re2. Iwe unopa ruzivo rudiki, hazvisi pachena kana mudzimai wako aigara muNetherlands kana kwaanogara / iwe pari zvino. Kana mudzimai wako aine Dutch Citizen Service Number, zviri nyore kutarisa neSVB kuti kodzero dzake dzeAOW ndedzipi. Kodzero dzakawanikwa dzinoshandawo pa (chaidzo) kuenda kuThailand, zuva rekutanga reAOW risati kana rapfuura.
Iwe uchawana ruzivo rwese pane webhusaiti yeSVB
Heino chidimbu chidiki cheizvi, mumwe wako anofanira kunge aigara muNetherlands pane imwe nguva.
Ndiani anowana AOW?
Iyo AOW (General Old Age Pension Act) imari yemudyandigere yehurumende. Wese munhu asvika zera remudyandigere wehurumende uye anorarama kana akagara muNetherlands ane kodzero yeizvi. Iwe uchagamuchira iyo AOW penjeni kubva kuSVB kubva pazuva raunosvika zera remudyandigere wenyika. Hazvinei kuti unogara munyika ipi.
Izvo zviri nyore kuti mukadzi wekune imwe nyika (Thai) aizogara muNetherlands pamwe chete nemunhu wechiDutch aizomupa mukana weAOW kubatsirwa kwe2% pagore kuti anogara muNetherlands kusvikira zera rake reAOW.
Zvinogona kuve kuti anotora kodzero iyi zvichienderana nebasa raanoita muNetherlands.
Iyo Dutch state pensioner ane mudiki hukama hweThai anogashira mvumo isina kunaka, saka kwete € 1050, asi yakaderera mari, zvichienderana neSVB yekuverenga modhi yakashandiswa pamberi kana mushure me2015.
Mudiki weThai anotarisirwa kukwanisa kushanda uye zvichingodaro. kuwedzera mari.
Kana vese vasvika zera remudyandigere wenyika, mhando dzekuverenga dzakasiyana dzinoshanda.
Asi zvachose kwete "Zvipise iwe wakapfuma modhi!
Mhoro Dion,
Zvinoenderana. Kana akanyoreswa muNetherlands kubva pazera re15 kusvika ku65, achagamuchira 100% AOW. Kwegore rega rega izvo zvisiri izvo, 2% ichabviswa.
muenzaniso. Kana mudzimai wako akagara muNetherlands kubva pazera re40 kusvika pazera re67, achagamuchira (25 makore x 2%) = 50% yeAOW mari.
Zvisinei, handizivi kuti kuverengwa kutsva ndekupi maererano nekuwedzera kwezera remudyandigere wehurumende. Sekuziva kwangu, bhangi reinishuwarenzi revanhu richiri kubhadharisa 2% pagore.
barry
Nguva yepenjeni yehurumende yashanduka. Ndosaka zuva rekutanga rekuwedzera kwekodzero dzako richichinjawo.
Saka handifunge kuti unokwanisa kutama wava nemakore makumi matanhatu nemashanu uchichengetedza 65% mari yemudyandigere.
Fungidzira kuti mitemo iripo ichava yenguva pfupi kana pave nekanzuru itsva. Mumakore makumi maviri, mitemo ingangove yakashandurwa zvakare uye izvi zvimwe hazvizove munyasha dzako neni. Gr. Henk
Dion,
Mhinduro yaLammert de Haan ndiyo yakanakisa yandaverenga kusvika zvino.
Iyewo murairidzi wemitero.
Zera iro mumwe munhu ane kodzero yehurumende yepenjeni rinoenderana neavhareji yekurarama hupenyu muNetherlands.
Mukuenderera mberi kune izvi, nguva yepenjeni yehurumende ichawedzerwa nokukurumidza. (Ini ndava nemakore 61½ uye ndinotarisira kuve nekodzero yehurumende yepenjeni pa67½.)
Mumakore makumi mashanu anotangira zera remudyandigere wehurumende, munhu wese akanyoreswa muBRP (yaimbova GBA) anowedzera 50% pagore mukodzero dzehurumende dzemudyandigere.
Kuti urambe wakanyoreswa muBRP, unofanirwa kunge wakagara muNetherlands kwemazuva angangoita zana nemakumi maviri nerimwe mumazuva makumi matatu nematanhatu apfuura. Kana ukagara kunze kwenyika kwenguva yakareba, unosungirwa zviri pamutemo kubvisa kunyoresa.
Kana iwe waigara muNetherlands kwemakore makumi mashanu isati yasvika zera remudyandigere wehurumende, wakawana 50% kodzero dzemudyandigere wenyika (makore makumi mashanu x 50%/gore =).
Kana uchigara wega, unekodzero yekuwana gross state pension inosvika 70% yegross minimum wage (BML).
Kana uchigara pamwe chete nemunhu mukuru, unekodzero yekuwana gross state pension inosvika 50% yemuhoro wepasi pasi.
Kune mumwe munhu akanyoreswa muNetherlands kwemakore gumi, 10% BML x 70 makore anoshanda. x 10%/gore. = 2% BML resp. 14% BML x 50 makore. x 10%/gore. = 2% BML.
Kana imba muNetherlands iine mari iri pasi pedanho rekubatsira munharaunda uye pasina kuenzana, yekuwedzera kusvika padanho rekubatsira munharaunda inogona kuwanikwa.
Sezvambotaurwa mumhinduro dzakapfuura, unogona kunyatso wedzera kushomeka kweAOW nekuwedzera mari inoenderana nemari yekubhadhara.
Kana uchigara kunze kwenyika mushure mezera rako remudyandigere wehurumende, mudyandigere wehurumende ucharamba uchibhadhariswa mutero muNetherlands uye iwe hauchazogamuchire chikwereti chemutero pairi, asi hapana mubhadharo weZVW uchanyimwa. Iwe ipapo hauzogashira yekuwedzera kusvika padanho rekubatsira munharaunda.
Shanyira iyo SVB Graduinen webhusaiti kuti uwane ruzivo rwakakodzera.
https://www.svb.nl
Ndakanga ndisati ndaziva izvi, kuti nekuwedzera kwezera remudyandigere wehurumende, zera rekutanga rekuwedzera rinowedzerwawo. Kwandiri pachangu, izvi zvinoreva kuti ndichagamuchira zvishoma pane zvaitarisirwa, sezvo kuunganidza kwangu kwekutanga kuchabviswa, kunyange zvazvo ndaigara muNetherlands kwemakore iwayo, uye mumakore akazotevera ndakagara kunze kwenyika.
Mumwe munhu anogara muNetherlands anogona kutenga mudyandigere yenyika uye obva awana 100% yepenjeni yenyika. Iwe unofanirwa kuita kuti izvi zvizivikanwe mukati menguva inonzwisisika mushure mekunge wauya kuzogara muNetherlands. Izvi hazvipo zvachose kubva pamhinduro yaLammert de Haan.