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Home » Mubvunzo wemuverengi » Pensions uye mabhenefiti zvakananga kuThai bank account kana inogona kuendeswa kubhangi reDutch/Belgian?
Pensions uye mabhenefiti zvakananga kuThai bank account kana inogona kuendeswa kubhangi reDutch/Belgian?
Vadiwa vaverengi,
Penjeni uye mabhenefiti anofanira kuendeswa zvakananga kubhangi reThai account kana kuti anogona kuendeswa kubhangi reDutch kana reBelgian, mushure mezvo mari inopokana yozoendeswa kubhangi reThai sezvinodiwa?
Mushure mezvose, iwe unobhadhara mutero pane izvo zvinouya muThailand, uko kwakabva kusina basa, ndiko kufunga.
Iyo eea zvakare ine chekuita neiyo 'remittance' musimboti unopokana nekufunga uku.
Mushure mezvose, ndakaverenga kuti hauna kodzero yekuregererwa kana penjeni yako nemabhenefiti zvisina kuendeswa kubhengi reThai.
Ndiani ane ruzivo panyaya idzi?
Kwazisai,
Nick
Vatori: Iwe une mubvunzo kune vaverengi veThailandblog? Shandisa contact form.
Iroro rinoita kunge ndiro zano chairo. AOW uye penjeni yakaiswa mubhangi reDutch. Uye wobva waisa mari yakawanda muakaundi yako yekubhangi yeThai kamwe pagore kana mwedzi mitanhatu. Nekuti ipapo haisisiri mari, asi mari.
Asi… usatore chero kodzero kubva pane izvi, nekuti handina chokwadi. Saka ndiregerereiwo.
Eric, chete mushure megore rekugamuchira. Saka chengetedza kwegore uye bhuku kuTH kutanga kwaNdira.
Niek, iyi blog yanga ichipa zano nezve mutero wepenjeni uye mabhenefiti kubva mumatsutso 2014. Ndinokupa zano kuti uverenge icho chekutanga uye shandisa basa rekutsvaga kumusoro kuruboshwe; tarisa zvakanyanya kune zano raLammert de Haan.
Kana uchine mibvunzo, tanga nekutiudza kana uchireva mari yeBelgian kana yeDutch. Kuti iwe unobhadhara mutero muThailand pane zvaunounza hazvisi chokwadi mune zvese zviitiko. Iyo yekubhadhara base, kubva ku1975 NL-TH chibvumirano, haishande kumapenjeni; chinhu ichi chakafukidzwawo pano makore mashoma apfuura.
Penjeni yedu yeBelgian inogara ichiuya kubhengi redu reBelgian uye inotamiswa nesu kuThailand sezvinodiwa
Vanhu vazhinji mibvunzo yakawanda…. nguva pfupi yadarika mumwe munhu akabvunza kana uchikwanisa kuita kuti mari iendeswe zvakananga kubhangi reThai uye zvino mubvunzo uyu.
Zviri nyore chaizvo: unobvunza mubatsiri wako wepenjeni.
Chandinogona kukuudza ndechekuti unogona kuita zvese izvo: unogona kuita kuti mudyandigere wako uendeswe kuThailand kana chero nyika pasirese. Iwe unogona zvakare kuita kuti iendeswe kune Wise kana imwe kambani.
Ini zvakare ndinofunga zvinoita mutsauko mudiki kuhurumende yeThai. Ini ndinoendesa chikamu chemari yangu kuna Wise uye chikamu kubhangi rangu reThai. Mumakore gumi andagara pano handina kana zuva rimwe chete randakamboratidza kuti mari iyi inoperera ipapo. Chandinofanira kuratidza kana kuratidza ndechekuti ndinowana imwe mhando yepenjeni. Zvakanaka, unowana magwaro iwayo kubva kune wako wepenjeni uye unoaita kuti adhindwe neembassy yako.
Ndave ndichigara muThailand kwemakore gumi nemashanu. AOW yangu nepenjeni zvinongoiswa muakaundi yangu yekubhangi yeNL, uye kana zvichidikanwa ndinoendesa mari kuaccount yangu yeThai mwedzi wega wega. Zvemutemo uye zvisinganetse!
Inogona kutumirwa kuaccount muBelgium kana Netherlands
Zvadaro wotamira kuThailand
Uyewo inochengetedza mari yekufambisa
Penjeni yangu yeBelgian ichaendeswa kuakaundi yangu yekubhangi yeNL, pamwe nepenjeni yangu yeNL. Ndobva ndangotamira kuThailand izvo zvandinofunga kuti ndinoda. Kungoenda kubhengi. Hapana chine hungwaru uye zvakafanana.
Ini ndinozivisa kumutero weThai mari inonzwisisika semari yandinobhadhara mutero. Ini ndinowana gwaro rakatsvinda revakuru vemitero muNL (Kana B kana ndikakumbira, izvo zvandisina kumboita) izvo zvandinoisa zvakadzika uye kure kure mukutonga kwangu.
Pamwe haisi mhinduro kumubvunzo wako, asi imwe nzira yekuita kuti zvinhu zviitwe uye uve nenguva yakakwana yekushandisa uye kunakidzwa nehupenyu hwese pasi pano. Nyaya yekuverenga. Usatambise nguva yako uchiedza kukwenya kumashure euro pano neapo uye ubatwe mumhando dzese dzemitemo. Hazvina kunaka kune hutano hwako.
Nick,
unobhadhara mutero pamari yaunowana, kwete pane zvinopinda muakaundi yako yebhangi.
Sezvo penjeni yako nepenjeni yenyika zvatove mutero muNetherlands, haubhadhare mutero muThailand.
Kana vakuru vemitero vaine mibvunzo pamusoro peizvi, unogona kutumira humbowo zviri nyore kuburikidza nesitatimendi yako yegore.
Sezvineiwo, ruzivo rwangu ndechekuti zviremera zvemutero zveThai hazvina kumirira maexpads nepenjeni,
Ndakaedza kutora nhamba yemutero muna 2008 uye ndakaendeswa pasina kubudirira. Zvichida zvakanyanya kuoma kana kuti hove duku.
kusvika pari zvino chete bhadhara mutero wemugwagwa uye VAT.
Penjeni yangu nepenjeni yenyika inouya muakaundi yangu yeING uye ndinoisa 65k thb mwedzi wega wega muakaundi yangu yekubhangi yeThai uye ndinovimba izvi zvichagara zvakadaro kwemakore anotevera.
Hi Tooske,
Haisi tsika yangu yekupindura mhinduro dzese dzisiridzo, asi mhinduro yako ine zvisizvo zvakawanda zvekusiya isina kukurukurwa.
Mhinduro yako inotanga nekuti, "Unobhadhara mutero pamari yaunowana, kwete pane zvinopinda muakaundi yako yekubhangi."
Iwe unonyora izvi kubva mumamiriro ekugara muThailand.
Nekuita izvi, unonyora zvakare Chinyorwa 41 cheThailand Revenue Code iwe usina mvumo yemutemo maererano neThai mutero mutemo.
Ndokumbira uverenge nekungwarira ruzivo rwunotevera rwunogona kuwanikwa pawebhusaiti yeDhipatimendi reRevenue:
“1.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, zvakadaro, ari pasi pemutero chete pamari inobva kuThailand. "
Unogona kutarisa izvi zvakare neinotevera webhu link:
https://www.rd.go.th/english/6045.html
Pane kakanganiso kadiki muchinyorwa ichi. "Mazuva anopfuura zana nemakumi masere" anofanira kunge ari "mazuva zana nemakumi masere kana kupfuura". Asi kana zvisina kudaro chinyorwa ichi chinoratidza nemazwi akareruka izvo zvinotsanangurwa muChinyorwa 180 cheThailand Revenue Code.
Wobva wanyora kuti:
"Sezvo penjeni yako nepenjeni yenyika zvatove kutererwa muNetherlands, haubhadhare mutero muThailand."
Izvi zvakare kukanganisa kwakakodzera. Netherlands yakagumisa chibvumirano neThailand kudzivirira mutero wakapetwa kaviri. Chibvumirano ichi chinotsanangura kuti ndeipi nyika inobvumirwa kubhadharisa mutero pane imwe nzvimbo yekuwana mari, iyo imwe nyika inofanira kupa rusununguko kana kudzikiswa kwemutero. Kana pasina chibvumirano chechibvumirano uye chii chiri nyaya maererano nekuchengetedzwa kwevanhu (AOW, WAO kana WIA mabhenefiti), nyika mbiri idzi dzine kodzero yemutero pahwaro hwemitemo yenyika. Nekudaro, Thailand inofanira kubva yapa kudzikiswa pahwaro hweChinyorwa 23, ndima 6, yeChibvumirano.
Zvinoratidzika kubva mumhinduro yako kuti unobhadhara mutero wemuhoro papenjeni yako muNetherlands. Iwe uri kuzvipfura iwe mutsoka neizvi, uchifunga kuti zvine chekuita nepenjeni yekambani (kureva pasi pemutemo wega).
Penjeni yakadaro inowira pasi peChisungo 18, ndima 1, yeChibvumirano, icho chinosanganisira (chinhu) kuregererwa pamutero wemuDutch wemari uye kodzero yemutero inokwira kuThailand. Uye zvakare, mukuru wemutero weThai haana hanya nenyaya yekuti mutero wemuhoro wakatobviswa kubva mupenjeni iyi muNetherlands.
Kunyangwe mutero wemutero wemutero wemutero wakadzikira pane wePersonal Income Tax, kite iyi haishande pakugara muThailand, nekuda kwekushaikwa kwemutero kiredhiti.
Mune mamwe mazwi: kukumbira kudzoserwa kwemutero wakavharirwa pamudyandigere wako pamutero wekudzosera uyezve kubhadhara PIT kune mubairo mukuru.
Sezvineiwo, gore rega rega ndinosangana pakati pegumi kusvika gumi nemashanu vanhu vechiDutch vanogara muThailand vanosiya kunyimwa mutero wemuhoro (uye dzimwe nguva nemipiro yeinishuwarenzi yenyika) papenjeni yekambani yavo uye / kana mubhadharo we annuity kuti chii. Munguva pfupi ini ndichateerera kune ichi chiitiko muThailandblog.
Wobva wanyora nezve ruzivo rwako nevateresi veThai, kubva 2008 (!) uye kwawakarambwa TIN. Ramba uchifunga kuti mamiriro emutero muThailand achinja zvakanyanya. Dhipatimendi reRevenue rakarairwa nehurumende yeThai kuti ive nechokwadi chekuti nhamba yevateresi vakanyoreswa inowedzera ne200.000 pagore. Uye ndeipi nzvimbo iri nyore kuwana iyi yekuwedzera? Nevatorwa vanogara muThailand.
Sezvineiwo, unomhanya zvishoma kana kusatombova nenjodzi. Iwe unonyora kuti iwe unopa 65.000 THB pamwedzi kubva kune yako AOW bhenefiti uye penjeni muThailand. Izvi zvinoreva kuti, uchifunga nezve kuregererwa kunoshanda, kudzikiswa, mutero usingabhadharisi we0% pane yekutanga 150.000 THB uye kuderedzwa kupihwa kune yako AOW bhenefiti, haufanirwe kubhadhara PIT. Asi iyo inyaya yakasiyana zvachose pane iyo Thailand haifanirwe kubvumidzwa kubhadharisa nekuti Netherlands inotoita.
Nekudaro, kana zvine chekuita nepenjeni yakawanikwa kubva kubasa rehurumende, penjeni iyi zvakare haina kuregererwa muThailand nekuti iwe unotobhadhara mutero pairi muNetherlands, asi nekuti izvo zvinodzorwa muChinyorwa 19, ndima 1, yeChibvumirano.
Lammert de Haan, nyanzvi yemitero (anonyanya pamutemo wemitero yepasi rose uye inishuwarenzi yemagariro).
Hi Nick,
Anenge makore matanhatu apfuura, paive nemafungiro kuTax and Customs Administration/Office Abroad kuti, kuti ukwanise kubvisirwa mutero wekubhadhara mutero, penjeni yaifanira kuendeswa kubhangi reThai account. Maonero aya aibva pazvisungo zveChikamu 6 cheChibvumirano cheMutero cheKaviri chakapedzwa pakati peNetherlands neThailand, icho chinosanganisira kudzoka kuNetherlands kwekodzero yemutero, Thailand haina kubvumidzwa kubhadharisa nekuti mudyandigere hauna kupihwa kuThailand mu gore rekunakidzwa nazvo (iyo yekubhadhara base inopihwa muChinyorwa 27 cheThai Revenue Code).
Mukuita kudaro, zvisinei, Tax and Customs Administration / Foreign Office yakafuratira mitongo miviri yeDare Repamusorosoro pakupera kwa1977. Chinhu chakaita seichi chinogona kuitika kana iwe, seMutero neCustoms Administration, ukasatevedzera zviri kuitika mumutemo wemitero zuva nezuva/pagore!
Nekuda kwemitongo yakataurwa, Chisungo 27 cheChibvumirano charasikirwa nemutemo. Izvi zvinoreva kuti kodzero yekubhadhara mutero haidzokeri kuNetherlands kana Thailand isingabvisi mutero pahwaro hwechipo chekubhadhara mari.
Saka iwe unogona kuita kuti mudyandigere wako uendeswe kuakaundi yebhangi yeDutch kana yeBelgian uine rugare rwepfungwa. Panyaya yepenjeni yebasa, kuregererwa pasi peChikamu 18(1) cheChibvumirano chinoramba chiripo.
Mumubvunzo wako unotaura nezve "penjeni" uye "benefits" mumhepo imwe chete. Nezve izvo zvekupedzisira, unofanirwa kuzvibvunza kuti ndiani ane kodzero yemutero. Kana zvine chekuita nekubatsirwa kwevanhu (AOW, WAO kana WIA pundutso), Netherlands neThailand vane mvumo yekubhadharisa mutero, asi Thailand inofanirwa kudzikisa. Kana zvine chekuita nekubhadharwa kweannuity, Thailand chete ndiyo inotenderwa kuteresa (zvisinei nekukanganisa kwekutonga kwemakore gumi nemaviri apfuura eDistrict Court yeZeeland - West Brabant uye Den Bosch Court). Asi izvi zvakare zvakaparadzana zvachose nemubvunzo wekuti ndeipi account yekubhangi yaunowana iyi miripo. Wakasununguka zvachose mune izvozvo.
Lammert de Haan.
Mhoroi, ndiri Kristu anobva kuNetherlands uye ndanga ndichigara muThailand kwemakore matanhatu nehafu.
Ini ndasiya basa uye ndinogamuchira penjeni yangu uye AOW paaccount muNetherlands.
Ini ndinoendesa mari kuThailand nekufunga kwangu.
Ini handisi kusunungurwa pamutero wepenjeni yangu yeAOW nekuti inobva kuhurumende.
Ini ndinogashira penjeni yangu kuING uye ndinoitumira pamwedzi, chikamu kuThailand, nekubviswa kwese kunochengetwa. Kana iwe ukasiya penjeni yako muNetherlands uye wongoiendesa kuThailand gore rinotevera rekarenda, haufanirwe kubhadhara mutero pairi, haitorerwe semari inowanikwa asi sekuchengetedza.
Saka nyorera kuregererwa muNetherlands uye tarisa imwe yasara zvishoma kuti usabhadhara zvakanyanya muThailand, zvivakwa hazvisi zvefarang saka hauna kana pundutso.
Zvakanaka ndine penjeni kubva kunyika 2 kwandakashanda. Uye nekuti ine zvikamu zvina. Zvingave zvakachipa here kuti nditumire zvese kuaccount? Uye wogara uchiendesa mari kuThailand. Zviri kufamba zvakanaka. Pension haina mutero. Ratidza chete kopi ine visa yekuwedzera. Pakutangawo kubva kunyika yangu. Kudzora mari. Iye zvino ingori yangu Thai bank account.
Ini nemaune ndinoendesa penjeni yangu kubhangi reING uye kana mwero wekuchinja wakanakira ini mari yangu inotamiswa kuburikidza neWise kumabhangi angu maviri muThailand.
Uyewo nekuda kwekuchengeteka, ndinosiya mari yangu yakawanda ne ING Bank, nokuti vazhinji veBrokers vanobva kuNetherlands neAmerica havadi kuita bhizinesi neThailand.
Penjeni yangu yeBelgian inoendeswa pamwedzi kuaccount yangu yeBNP Paribas Fortis kuBelgium.
Sezvo ini ndichivharira mari yakakwana muakaundi yeThai gore rese kuti ndiwane kuwedzerwa kweIMM-O pano paImigration, ndinopota ndichiendesa imwe mari kana ndichiida kuThailand.
Johnkohchang, maererano nemutsara wako wekupedzisira: kwete, onawo kutaura kwaLammert de Haan pamusoro. Izvo zvinodiwa zvakadzimwa nevakuru vemitero yeNL muna 2016 nekuti Dare Repamusorosoro rakazvirambidza, kutanga kwema70.
Tine urombo, maiva muna 2017. Typo.
Johnkohchang, ndakawana chinyorwa kubva muna 2021 na Mr Ralf Ramakers; link iri https://mradviseurs.nl/belastingverdrag-nederland-thailand-opgepast/
Sezvo Lammert de Haan neni tatotsanangura, maonero asina kunaka ebasa reDutch paChinyorwa 27 chechibvumirano chakabviswa munaChikumi 27, 2017. Neraki, ini handina kuverenga chero kupi kuti izvi zvakaunzwa zvakare muna 2021.
Ichi ndicho chinongedzo kune chinyorwa changu kubva 2017: https://www.thailandblog.nl/expats-en-pensionado/opleggen-remittance-base-belastingdienst-baan/