Mubvunzo wemuverengi: Mibvunzo inokurumidzira nezve annuity
January 8 2017
Vadiwa vaverengi,
Ndine mimwe mibvunzo yakakurumidza yandinovimba kuti mumwe munhu anogona kupindura. Ndezve annuity.
- Pamusoro peAOW yangu, ndine penjeni yeABP. Ini zvakare ndine mari shoma inobhadharwa neCentraal Beheer Achmea, 489 euros pamwedzi mitatu.
- Nguva pfupi yapfuura ndakagamuchira tsamba kubva kuAchmea nechikumbiro chekukurumidzira kukumbira kuregererwa kubva pakubhadhara mutero pamari iyoyo kubva kuvakuru vemitero yeDutch. Dai ndisina kukwanisa kupedza izvi pamberi paNdira 1, 1, zvidzikiso zvinosungirwa (mutero wemubhadharo / mipiro yeinishuwarenzi yehutano) yaizoiswa pamari iyoyo.
- Vakuru vemitero vakanditumira mafomu akati wandei, andaifanira kuzadza ndokudzorera. Ipapo vaizoongorora kana ndaizogamuchira kuregererwa.
- Chimwe chezvinhu zvandaifanira kutumira chaiva: magwaro anoratidza kuti ndaizova mutero wekugara muThailand (kubvira 1-1-2017). Saka, ndinonzwisisa, magwaro angaratidza kuti ndinobhadhara mutero muThailand kubva pazuva iro...
Mubvunzo wangu: Pane munhu angandiudza here kusangano ripi (muChiangmai, kwandinogara) randingawana gwaro rakadaro. Saka gwaro repamutemo rinoratidza kuti kubva muna Ndira 1 unotevera kubhadhara mutero muThailand.
Mubvunzo wakawanda: mutero wakanyimwa kubva kuAOW yangu nepenjeni yangu yeABP muNetherlands? Uye kana zvirizvo, izvo hazvifanirwe kuitikawo muThailand, kwandanga ndichigara kwenguva refu?
Ndichatenda nemhinduro kumibvunzo yangu!
Kwazisai,
Jan
Penjeni yeAOW neABP inoramba ichibhadhariswa mutero kuNetherlands. Zvakawanda zvakanyorwa pamusoro peizvi
Pension yeABP inotererwa zvichienderana nehunhu hwayo; Penjeni yehurumende inoramba ichitererwa muNetherlands, asi ABP inobhadharawo mamwe mapenjeni kunze kwepenjeni yehurumende. Iwe unonyatsoziva kuti penjeni yako inokodzera sei.
Zvakawanda zvakanyorwa pano nezvekunyorera kuregererwa uye ini ndinonongedzera kwazviri, ndapota tarisa mipiro yemavhiki maviri apfuura. Kana kutsvaga (kumusoro kuruboshwe) kumutero kana kusasunungurwa.
Kana penjeni yako yeABP iri penjeni yenyika, iyo annuity chete inobhadhariswa muTH uye iyo 489 euros pakota inowira mukati mekuregererwa kwe64+ uye zero muzana bracket. Iwe haufanirwe kubhadhara izvi muThailand kunze kwekunge iwe uinewo basa kana kuita bhizinesi pano. Nhamba yemutero hairevi kubhadhara otomatiki, kunyange zvazvo vanhu dzimwe nguva vachifunga kudaro.
Ona Lammert de Haan's achangoburwa zano mune ino blog kana bvunza iyo mutero faira; iwe uchawana ruzivo rwese ipapo. Iwe unogona zvakare kutsvaga mupiro waHans Bos nezve fomu idzva rekuregererwa. Rombo rakanaka.
"Kana penjeni yako yeABP iri mudyandigere wenyika, iyo annuity chete inobhadhariswa muTH uye kuti 489 euros pakota inowira mukati mekuregererwa kwe64+ uye zero muzana bracket."
Ndinofungidzira kuti izvi hazvina kururama maererano nekubhadhara annuity. Mubvunzo une chekuita nemubhadharo kubva kuDutch insurer, inonzi Centraal Beheer Achmea. Zvinokwanisika kuti maprimiyamu kana mutengo wekutenga waiswawo kukambani iyi. Uye zvinotonyanya kuitika, izvi zvine chekuita neyechinyakare annuity (benefit inotarwa uye inotarwa pahwaro hwemubereko panguva yekutora kunze) uye kwete chigadzirwa chitsva icho mainishuwarenzi ari kupa iye zvino nenzira yeinvestment annuity. Muchiitiko chekupedzisira (kana mimwe mitemo ine chekuita nerepoti yezvemari yakazadzikiswawo) iyo annuity inogona kuregererwa muNetherlands.
Muchiitiko chekutanga, zvisinei, Netherlands ine kodzero yekubhadhara uye kwete Thailand (Chinyorwa 18(2) cheNetherlands-Thailand Tax Treaty). Tarisa zvakare pane zvatakanyora pamusoro peizvi mumubvunzo 11 weTax File uye yakakodzera inishuwarenzi AEGON.
Mitongo yakati wandei yematare yakatoitwa ichitsigira VeTax Authorities panyaya iyi. Ona, semuenzaniso, mutongo weZeeland - West Brabant District Court wa19 Chikumi 2013, ECLI:NL:RBZWB:2013:5593, iripo pakurodha pano:
http://jure.nl/ECLI:NL:RBZWB:2013:5593
kana kuti mutongo wekukwidza nyaya yeDen Bosch Court of Appeal yomusi waNyamavhuvhu 19, 2011 uye uchipokana nemutongo weBreda District Court waDecember 6, 2010, no. AWB 10/1947, unogona kudhaunirodwa pano:
http://www.fiscaalleven.eu/jur20110819hofDenBoschBK11-00055.htm
Saka Jan anogona kuzviponesa dambudziko rekuendesa chikumbiro chekuregererwa pamutero wekubhadhara. Uye iyo ibhonasi. Kana kuti kwete?
Ndakave nevatengi vakati wandei veThai mugore rapfuura apo chikumbiro chakadaro chakaitawo chisina kubudirira. Saka ndinoda kuraira Jan kuti asaendese chikumbiro, asi kuti atore mari iyi se "mutero muThailand" kana achinyora mutero wemari. Parizvino, zviremera zvemitero ("zvinoshamisa asi ndezvechokwadi") zvakafamba neizvi kusvika kune vatengi vangu vekuThai.
Ini ndinobva ndamuraira kuti mari yekubhadhara kubva kuCentraal Beheer Achmea iendeswe zvakananga kubhangi reThai account kudzivirira matambudziko neiyo remittance base (Chinyorwa 27 cheChibvumirano).
Lammert de Haan, gweta remutero (anonyanya pamutemo wemitero yepasi rose uye inishuwarenzi yemagariro).
Kana Centraal Beheer ikakumbira Achmea kuti akumbire kuregererwa, ndingaita saizvozvo; kana ndikaverenga nemazvo vanokumbirawo kuregererwa kubva kuinishuwarenzi yenyika uye inishuwarenzi yehutano. Tsamba inofanira kutumirwa zvakadaro. Ipapo ingobvunza chero chinhu, mukuona kwangu.
Ipapo hauna kuiverenga zvakanaka, Erik. Mubvunzi ari kutaura nezve "mutero wemubhadharo / hutano inishuwarenzi mipiro". Ini ndinofungidzira kuti "mupiro" unoreva mupiro unoenderana nemari yeHealthcare Insurance Act uye nekudaro kwete kune "mibhadharo yeinishuwarenzi yenyika".
Pamusoro pezvo, chikumbiro chekuregererwa uye chisarudzo chekuregererwa hachina kana chinhu chine chekuita nemari inowanikwa pasi peHealthcare Insurance Act. Mushure mezvose, zvine chekuita nechikumbiro chekuregererwa pamutero wekubhadhara.
Sezviri pachena, Centraal Beheer Achmea akaona kuti mubvunzurudzo Jan anowira kunze kwedenderedzwa revanhu vane inishuwarenzi yenyika nekuti anogara kunze kweNetherlands.
Pamusoro pezvo, masangano anobatsira kazhinji haangobvisi chero mari ine chekuita neZvw paanenge achigara kunze kwenyika. Mushure mezvose, pano zvakare unowira kunze kwedenderedzwa revanhu vane inishuwarenzi. Zvisinei, mune zvimwe zviitiko zvinhu zvinoshata. Semuyenzaniso, gore rapfuura mutengi wangu akaita mupiro uyu zvisizvo akanyimwa kwemwedzi yakati wandei neABP (kwete mutambi mudiki mushure mezvose!). Apo izvi zvakamiswa neABP pachayo, vakanga vakundikana kugadzirisa mwedzi yakanga yapfuura. Rumwe runhare rwakakwana kugadzirisa izvi. Saka zvakakosha kugara wakatarisa pane izvi.
Uye chii chinosara mushure memipiro yeinishuwarenzi yenyika uye mari ine chekuita nemari yeZvw? WAGE TAX!
Uye sezvazvinoita kwandiri, tiri kubata nemari yechinyakare apo maprimiyamu kana dhipoziti uye mubhadharo zvinowanzoitika muruwoko rumwe. Muchiitiko ichocho, hazvina musoro kunyorera kuregererwa pamutero wekubhadhara. Ona mhinduro yangu yapfuura.
Pamusoro pezvo, chiziviso chekuregererwa hachina hwaro hwepamutemo chero chipi zvacho: ndima yechinomwe yeChinyorwa 27 cheWage Tax Act 1964 (Wet lb), inobata nenzira yemutero uye payakavakirwa chiziviso ichi, yakabviswa ne2003. Kuronga Mutero. . Mune mamwe mazwi: Centraal Beheer Achmea ikozvino inogona kuzvisarudzira kuti haichanyimi mutero wekubhadhara. Kana paine kusahadzika pavari, IVO PACHAVA vanogona kukumbira chirevo kubva kumuongorori.
Ingoverenga iyo Inotsanangura Memorandum inoperekedza iyi gadziriso yemutemo:
"Chinyorwa II, chikamu E (Chinyorwa 27 cheWage Tax Act 1964)
Izvo zvinodiwa zviri pamutemo zvinosanganisirwa mundima yechinomwe kuti mumiriri anonyima, kana pasina mutero wemuhoro unofanirwa kunyimwa nekuda kwechibvumirano kana chero imwe mutemo wemutemo wepasirese, unogona chete kunyima mutero wemuhoro kana mushandi akamupa chiziviso chekuita izvozvo. iyo mushandi akagamuchira kubva kumuongorori inopera.
Kubviswa kwechinodikanwa ichi kunoreva kudzikiswa kwemutoro wekutonga kune mumiriri anonyima. Sezvineiwo, zvinoramba (nekuda) zvichigoneka kuti vamiririri vanorega vakumbire chirevo kubva kuna inspector kana paine kusahadzika kuti chisungo chekuramba chiripo here kana kuti kwete.
Uye zvino zvinoita sezvisinganzwisisike kuti sarudzo yekuregererwa kubva kumuongorori weGumiguru 18, 2016 ichiri kureva iyo yakareba-isina kushanda ndima yechinomwe yeChinyorwa 27 cheIb Act. Chikonzero cheizvi chichava pachena kwamuri: kusaziva murairo!
Kana anobvunza Jan akatadza kusvika kune Vemitero Vane masimba kana Centraal Beheer Achmea, anogona kundibata nezve zvekuita zvinotevera. Nzira iri nyore ndeye kuburikidza neemail kero yangu: [email inodzivirirwa].
Kana neimwe nzira kuburikidza nefomu rekuonana riri pawebhusaiti yangu:
http://www.lammertdehaan.heerenveennet.nl.
Funga izvi sevhisi ku "nhengo" dzeThailandblog.
Wadiwa Jan,
Zvinoenderana nechibvumirano chemutero, iwe unofanirwa kuratidza kuti uri "Mugari weThailand". Zvinoenderana nechibvumirano, iwe uri izvo kana iwe uri pasi pemutero muThailand.
Zvinoenderana nemutemo weThai (ona pazasi), uri pasi pemutero ("Munhu Anotereswa" - "anosungirwa kubhadhara mutero pamuripo") kana uchigara muThailand anopfuura mazuva zana nemakumi masere egore.
munhu anotereswa
"Vateresi vanoiswa mu" mugari" uye "asiri mugari". "Mugari" zvinoreva chero munhu anogara muThailand kwenguva kana nguva dzinopfuura 180 mazuva mune chero mutero (karenda) gore. Mugari weThailand anosungirwa kubhadhara mutero pamari inowanikwa kubva kuThailand, pamwe nechikamu chemari kubva kune dzimwe nyika inounzwa kuThailand. Asi asiri mugari, zvisinei, ari pasi pemutero chete pamari inowanikwa kubva kuThailand ”.
Ndizvozvo. Hapana chimwe uye hapana zvishoma.
Nyora izvi kuvakuru vemitero uye uvhare makopi eEntry and Exit zvitambi zvepasipoti yako zvichiratidza izvi.
Kubudirira
MuChiangmai iwe unoenda kune hurumende inovaka mutero yekuchamhembe kweThailand.
Iri mumugwagwa weChotana Amphur Muang telf no. 053 112409 - 15
Unogona kuwana iro Ro 20 uye Ro 21 gwaro pano.
Jan Beute.
Wadiwa Jan, ndinogara kuMaerim. Kana iwe usingakwanise kuwana nzvimbo yaunogona kuwana yako Thai chiziviso chemutero, ndinoda kukwira newe. Ndapota taura nesu kuburikidza [email inodzivirirwa]