留錢不留人！BNO 移英不能取MPF，強積金凍過水，北京研究取消中英雙重國籍，英國或會直接給了BC身分？20201216
ฝัง
- เผยแพร่เมื่อ 5 ต.ค. 2024
- 趙氏曾任教於美國Bryant University 、北京理工大學珠海學院、深圳大學、香港樹仁大學、臺灣中央研究院近史所等多間學府，歷任助理教授、副教授、研究員、客座教授、高級訪問學者；
2018年獲中國經濟思想史優秀（一等）著作獎，研究題目包括經濟思想、經濟史、政治經濟學，出版著作二十一部，論文三十餘篇。英國權威出版社 Routledge給予 "中國和西方頂尖學者（leading Chinese and Western scholar）" 的評價。
《趙氏讀書生活》，一個歷史學者的視頻，分享學術、社會、政治經濟觀察
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#雙重國籍
#LOTR移英
#強積金凍過水
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其實 我糸group 內 都 廢事出聲。。我形容唔到你班fans d XX 。。。廢事得罪人
I think UK CPA should be able to help on a exit Hong Kong financial plan. There are lot of deductions on the tax return.
@@slangofslang 人
謝謝趙博分享🙏👍🙏；好一個比喻：「隱世 vs 進取」👍
我喜歡生活快樂一啲，每個個人都是因他的與趣來選擇工作，這樣的社會才會在各個領域有建康長遠的發展!
支持趙博，加油。👍👍💪
以前经常去香港探望亲戚，现在香港已经惨不忍睹，祝愿离开的港人过得更好，真正的东方之珠香港只能存在回忆。
香港70年底夠錢去日本韓國旅遊咩？可以去英國冰島美國加拿大澳洲旅行咩？可以吃得起壽司咩？買得起LV Gucci咩？ 香港當時幾錢人工？甘好又要去三藩唐人街洗碗？e家香港人需要洗碗咩？
所謂東方之珠時代，10000yen新幹線坐得起咩？東京有錢去咩？巴黎吃餐飯夠錢俾咩？倫敦酒店住得起咩？紐約機票買得起咩？名牌店鋪有人招呼你咩？外國waiter肯招呼你咩？tips你唔肉赤咩？
@@oldworldtriangle1189 70年代開始生活穩定，80年代開始去旅行，我仲記得80年代帶公仔麵、舊衫、文具回鄕。
@@jimzchow 所以呢？只系夠膽同大陸比。所以尼種思維米白痴囖。
@@jimzchow 80年代開始去旅行，去得起日本吃得起壽司刺身咩？玩得起郵輪咩？
去香港稅務局申請終止稅務居民呈請結束你嘅稅務帳戶喺香港並註明永久離開香港稅務局會發回證明書呢個係最重要終止同香港關係終止同香港稅務關係你冇入息稅戶口就唔需要供強積金
MPF 原本既設計就係掠水。
MPF came later... it is to tie down people to work in HK. That is the point. It was a slowly stepped scheme, so that companies would tie their employees down. I read on wiki that, this did not existed til much later. So the office class generation benefitted lor.... And now, the new political party want to retain this wor.... So who loses out in HK leh ? Those who were not educated lor. From the previous manufacturing generation lor. Cos in their generation the stock market did not exist as high then, and also that, they did not benefitted from actual HK Government's support... It left these people behind lor. I feel sorry for these people. Also, HK did not put control over immigration policies mah. Just let it run riot.. i.e. The immigration department did not reject people coming and going in and out of HK. This is what also screwed up the place tim. So many people now talk about this kind of thing in HK. The ones who are legitimate should stay. The fleeting people should go.
BNO不被中國承認後，航空公司和香港入境處不能接受BNO作為旅行證件，香港人只能使用特區護照回港。離境航空公司只能接受特區護照。特區護照過期時要renew或者申請第一本入境處可以增加一條申報bno的法律，如虛報即屬違法，最高可被判入獄10年。如果申報應有bno,要宣誓未經bno途徑入籍英國，否則取消中國國籍以及香港居留權和入境權，甘米得lor.
支持趙博！
一顆（紅）心，兩種准備的公務員可以有得揀🤭🤣
先打中共國疫苖強身先
其實資料有錯，香港入境條例有個concept 叫入境權，就算無左永久居留權，仍然會有入境權亦可做野。
這個我也許作出少許分析，因為我曾讀過香港移民法「HONG KONG IMMIGRATION LAW」任何在香港出世的人士，佢地已經享有 Right of abode 亦有一種叫做Right to land, 前者是，持有人即香港永久居民「俗稱三粒星」佢地就算係香港犯左嚴重刑事罪，例如殺人，都絕對不可以驅逐出境，再引申，這類人士任何時候都可以無條件入境香港，而後者即Right to land 則犯了嚴重法，是可以驅逐出境,即是送回他們的原居地! 好了，問題來了，今時今日乜嘢例都可以推翻，可笑嗎？既然已經沒了呃人的「一國兩制」佢想點就點，好似以前一隻煙仔廣告，想做就去做，後來收到投訴，才改為「應做就去做」! 港人今次真的「 前門拒虎、後門進狼」能不悲哀乎？
英國個人所得稅有£12,500嘅免稅額。每年收入超過呢個數字先需要交稅。
交税是公民天公地道的事，
人民不交税，政府那來錢維持公務如; 國防，醫療，教育， 福利，城市建設，基建維修保養等等。
好講真，一個正常人有正常長工返，好難會係12500以下既...
每個納稅人都享有呢個免稅額，即係佢哋嘅收入首12500係免稅。之後嘅收入由12501至50,000稅率係20%。
謝謝趙博清晰的講解
那丁屋朋友可做估價，即由入境那刻的估價，以後增值額是由入境那刻的估價計，而吾係用買入價計！趙博請fact checked下！
現時英國的個人遺產免稅額（Nil Rate Band）為32.5萬英鎊，自住物業留給子女可以多獲額外17.5英鎊免稅額（Residence Nil Rate Band），以上的部分才要按40%徵稅，所以如果只得百幾萬遺產的話是不會被徵稅的。
支持並推薦～
貪婪多時兩頭空，人生有得有失，某些関頭，要捨才能有得！
趙博咁精叻，班傻仔先移民去英國，唔走正契弟。
因爲英國中國都定義BNO是旅游證件，記得回歸前後英國都話BNO是旅游證件，而非給予BNO持有人英國永久居留權，所以不符合永久離港的定義。
如果你已經有其他國家/地區的“永久居留權”，你可以問下MPF公司是否符合永久離港的定義。（例：港澳台居民（内地）居住證，美國綠卡。）
bno是不是国籍共产党说了算，共产党说了bno是国籍就他们是国籍，到时候取消香港身份完事。管你这么多。
支持趙博加油💪class
For CGT, if property is for own use, there should not be involve CGT. Even, there is CGT for your HK house when you are leaving for UK. The taxable portion is only pro-rata CG for UK period / house holding period.
The following has always been there since MPF inception and has ot been changed. MPFA has not issued any specific guidance on the treatment of BNO cases.
(2) Permanent departure from Hong Kong. You must declare that you have departed or will depart from Hong Kong to reside elsewhere with no intention of returning for employment or to resettle in Hong Kong as a permanent resident, and provide proof satisfying the trustee that you are permitted to reside in a place outside Hong Kong.
先用回鄉証取回MPF後再去UK
你試得唔得先講啦。
In UK, there is normally no inheritance tax to pay is either: 1. The value of your estate is below the £325,000 threshold;
2. You leave everything above the £325,000 threshold to your spouse, civil partner, a charity or a community amateur sports club.
在艱難大, 資產增值稅 (capital gain tax) 的成本稅基 (cost basis) 係以新移民到步日 (landing date) 的市值 (market value) 計算, 並非用原本的買入價❗ 手上股票, 就以到步當日 (或最近有成交之日) 的收市價/平均價 作為稅基。 已有物業, 就要於最接近到步日, 做正式估值。 由於稅基高了, 資產增值稅 就不是那麼可怕！ 若香港移民走資嚴重, 樓股齊跌, 就會有資產虧損 (capital loss), 或可用作減稅！ 英國稅例是否類同❓ 請有識之士賜教❗
趙博覺得總之合法包括灰色地帶走稅可以，咁大企業如Apple , Amazon 每年走幾十，上百億嘅稅係咪又可以呀？
好耐冇叮噹了
謝謝趙博。我吾知拿回鄉證可以取回強積金。返大陸。之前吳明德教授講財政司等人可以允許取強積金來抗疫或政府全民回水。自我實現?
以前有工友教過我，可以話自己退休返大陸住，取回強積金，佢有很多朋友都是這樣，在大陸的親友家住幾個月就回來香港再工作，查到的時候就說D錢在大陸用哂，冇錢所以回來工作，又有工友，他們去宣誓提早退休，現在要60歲，以前好似55歲就得，拿了錢不久又再工作。
@@tomapple1236 那是以前！不是目前了！
謝謝分享
Going by the annual ranking of the happiest countries and best countries to live in on earth. The majority of high ranking countries all have relative high taxation rather than low. (Finland, Norway, Denmark, Sweden, Canada, Australia, New Zealand, etc). Low taxation does not equal to happiness.
有意願留係英國已經可以係稅務居民, LOTR過咗去,先處理資產已經太遲. 重有取消bno同國籍冇關.最起碼你成為英籍之後,先可以取消你中國籍身份.睇唔到點可以只針對bno.
唱邊支國歌有得揀，兩頭蛇死得最慘
「北京自我實現」😆🤣😂
Re:inheritance tax
That’s why go to countries without it would be a better choice.....such as Australia or NZ, better climate than UK in my opinion 👋👋
即係叫你班友走左唔好返來, 唔好諗住返來香港搵著數, 就係咁簡單, 唔洗幻想到係咩政治逼害咁誇張
趙博士，唔好咁大聲，唔好咁大聲
去嘅香港人平均年齡應該40左右，將mpf轉美元債券，等60歲退休後先拎返算啦
很多人不明白避稅和逃稅的分別
一線之差啫，趙生話合法就得喎，咁逃稅都可以合法架，例如去開曼群島開公司。
例如買保險有效避遺産稅
但將遺産轉移其他世界地方就係逃税
税務點安排可以减低税項绝對是正確正常嘅事，係香港都會，好多人誤解是逃税，應該他們是没有呢方面嘅經驗
今日離開香港係逃亡、唔係移民、
有機會滅共、我哋會重返出生之地
THAT'S RIGH 100% AGREE HONG KONG IS DYING !!!!!!!!!!!!!!!!!!
@Xaikar you are a slave for ever stupid fool lol 🤩🤣🤣🤣
有日滅共重返也應只是遊客心態。
既做移民，便應努力做好歸化國民身份之責。忠於新國民身份。
死城，靜到可以聽到自己心跳💗
@xaikar824 哈哈恭喜發財
好有用👍
thanks for the info
要避遺產稅，一般做法是提早將資產轉至兒女名下。
美國、北歐啲稅仲重啦，又唔見人哋沒落？趙生做下research 先好冇？
可以用香港特區護照去英國，MPF無法得知你有沒有BNO
持有特區護照一樣可以去英國，只要97前持有過BNO都合資格，上面無呢班人數字數據，想管都管唔到，錢人一齊照走唔怕
請問現在MPF買亞太, 北美, 環球還是中國股票還是其他基金較好? 是否股票基金長線都會升?
香港身分證副本18歲有
英國人唔會死錯人，做香港人最幸福
未必
好多人唔識分tax evasion 同 tax avoidance
超過5萬的工資可以選擇用來交養老金，也是一種避稅方法
😹👏🏻轉BC！
唱邊支國歌有得揀，兩頭蛇死得最慘
There are some thinking is incorrect. A jump for 25% to 40% tax rate is not a determination factor if a worker will take extra work (such as overtime).
1) It is idiotic to suggest people will choose a lower salary because in a higher salary, the extra the make will be taxed at 40%. Extra money is extra money even if you give 40% to the government instead of 25%. So UK 60000 will always make more money than UK$ 50000 job
2) When a person decides to work overtime, labor laws comes in and you may need to get 1.5x or 2x (double pay) than your normal hourly wage. So even if tax rate is increased to 40% from 25% but your hourly wage because of overtime went from $UK 10 to $UK 15/$20, you still make more money to take the overtime.
3) People forget the Hong Kong overtime is sometimes "voluntary" work and don't get any extra pay in blatant violation of labor law.
4) Inheritance tax is indeed removed in Canada but there is a final income tax you need to report by selling everything on the day of death. So Dr Chiu make it sound too simple.
5) Citizens have the right to vote, and run for elections. They also have the obligation to pay their fair share of taxes. I believe it is also the public servants job to ensure all the loopholes are closed so dishonest people don't try to use gaps and loopholes to avoid taxes that should be paying and counter the spirit of the laws.
They have no rights to keep your MPF because there are a few ways that you can withdraw the funds before 65 years old if you are leaving HK and do not intend to work in HK again. Worst come to worst, you can withdraw the money once you are 65.
Remarks : 希望我這個留言，不會影響有機會移民到英國的網友，祗供參考，請勿盡信! 我有很多朋友親戚都是在英國生活，有些土生土長的華裔，俗稱BBC.即是British Born Chinese,大部分的家長佔6至7成都是藍屍，而家開始担憂佢地既福利或就業機會會給香港人搶走，其中以北愛爾蘭最為嚴重，因為未回歸前，英政府其實想計劃係北愛建一大土地給港人居住，其後評估過而無疾而終! 北愛的首府，即是貝爾法司特 Belfast,經歷了長期內亂洗禮，給前朝港督彭定康攪好，所以佢地已經知道，連我的至親也 (三緘其口) 隻字不提，即是你有移民機會到英國，所以大家要有心理準這些不受歡迎的咀臉吧！當故事聽，否則我會變了(是非精) 這集趙博講解及分析得很深入，不可多得的(正派)學者，我深表欣賞了！
有哪個地方的人，會歡迎來跟本地人爭取資源的？
取消BNO香港人的中國國籍，但好多香港人有不同的外國護照，包括美加澳紐，究竟會如何處理?
回鄉証+國內地址都不能提早取mpf..除非放棄香港市民身份改取中國護照
以前真係太鬆手順便執埋
回鄉卡途徑好明顯鬆過頭，求其去官府發個毒誓就話自己永不回港就信，講到張回鄉卡好似唔會過期咁。到BNO 諸多推搪搬晒龍門。
謝謝趙博。可以搵集講下台灣稅制和稅務安排嗎？我諗好多網友都將會去台灣...都要做好稅務安排。謝謝
香港人移民去台湾不知道怎么想的?台湾很危险啊，万一武统怎么办?
@@yuenshunwei2052 因為台灣生活對香港人來說比較容易適應呀，武統？別想太多了
Thanks and support
特區政府點會唔知邊個有BN(O)身份？當初喺邊度申領BN(O)護照㗎？喺人民入境事務處㗎嘛，咁今日嘅入境事務處點會無紀錄？
大部份過哂期啦,old data冇用
@@hongkong128 回歸之前早有陰謀可能有備份檔案,共產黨喜歡用人民警察這一套
中共再一次顯示佢出爾反爾性格明明答應了可以雙重國籍但是又反口不可以了,世界其他國家也容許雙重國籍就算越南這個共產主義國家也可以為何中國不可以
@@72183 備份有咩用啫,300萬人有資格有BNO.你點分邊啲有邊啲冇啫
@@hongkong128 陰謀論說1點,佢當正300萬人喺間諜有1日會秋後算帳
我啲MPF呀😭😭😭如果遲啲有working contract 唔知可唔可以攞到
subbed + support
@@thomaswong3383 豪畀佢啦
唱邊支國歌有得揀，兩頭蛇死得最慘
@广东人VIP女 你梗係想我地香港人放棄MPF啦廣東人，留番俾你地新移民丫嘛屌
如果我打算移民美國，攞美國綠卡。香港特區政府是不是一樣取消我的香港特區護照和香港永久居民身份？
thanks info sharing
「計劃/規劃」稅務不是避稅！
班友根本就係睇住你D錢...唔想比返你
港共取消BNO既中國國籍等於主動要求英國比BC
费事俾人移佐民仲响香港罗综援、生果金
所以係就快快手啦
5年內可能變哂使人仔，放心，強積金可以繼續用泥淘寶😆
MPF唔係宣誓話退休，以後唔做嘢就攞得咩？
依家已經係佢地想點就點，唔好用以前嘅思維來諗
最驚佢明日大魚發債，强迫MPF要買，咁就大鑊
十幾年前就得...
中國人：不能生存 談何生活
外國人：沒有生活 為何生存
中共越攪事，盞越多人逃亡，甚至唔止BNO，持其他護照嘅都走夾唔抖，取消香港籍，連最後一滴資產都提走。一係佢封關禁資囉，好嗎？
中共可以立國安法
已經預計咗會封關封網
In UK taxation, first £12,500 per annum is tax free
Everyone in the UK gets a 0% tax rate (aka. tax free) personal allowance of up to £12,500 (i.e. the 1st £12,500 of your income is tax free, the remainder is taxed), 20% tax £12,501 to 50,000, 40% over £50k, and 45% over £150k. Pension counts as taxable income too
What about pension received overseas which is not transferred to UK ?
@@fung4106 (Disclaimer: I'm no tax expert, only from what I know)
When you reach pension age, you might get a different tax code (tax free allowance), which is usually lower, especially if you plan to have a part-time job. Whether you need to pay taxes on your non-transferable pension(s) depends on whether your overseas pensions falls under UK domestic law. Best ask someone who knows more about this, so apologies if I haven't answered your question in full...
Finally, for investors, you have to pay taxes on any profit made from selling you stocks and shares, as well as income from dividends - tax free allowance available for both, don't remember the exact amounts... again others could fill you in
@@calvin3798 Thank you so much for the information on pension and investment taxes. I was advised before by ex-colleague living in UK that HK government pension is not chargeable. Guess you are living in UK.
其實可以將MPF按俾銀行，剩還利息，如果決定唔番香港，直頭stop payment
成日話舊時有幾好，甘好又要荷蘭賣白粉，唐人街洗碗賣叉燒包，去澳洲扎鐵做地盤？
成日都呃2毛，你好狗
香港真係悲哀，一堆一直未持有過你間屋ge人，突然話間屋係個大廈自古不可分割ge一部分，就搶埋人間屋，迫到人移民，咁唔合理ge野竟然會發生
唱邊支國歌有得揀，兩頭蛇死得最慘
甘你就唔適合去英國啦，英國D apartmentb都系leasehold, 都系屬於landlord擁有，自古不可分割的領土噶。
一女不可嫁两夫，英国老公更好，就安心呆在英国，别想前夫了，离婚了。
@@feiwang3213 離屁，最多只係相識關係，根本係山賊搶地，個政權對於香港來講完全係外來政權
唉。可唔可以買一個外國護照 (以前聽說好多貪錢嘅國家都有得買），證明同埋先將公積金提出拿同埋立刻轉走，然後搞完 bno。
inheritance has other ways of dealing with it.like , making a trust for your children. A good financial inheritance planner is worth a visit. Usually his fee is less than what he could save you.
合法地選擇交低税，合情合理合法。
我地得冇事
thank you
Thanks
之前就算有流動資產就算有HKD10M，都未必做到投資移民，而家成本低左咁多，自己諗啦！
因為香港嘅稅率低而且稅種少，好多人去外國前都冇做稅務規劃。
香港政府沒有理據禁止香港人移民英國或離開香港！除非修改基本法！
基本法第三十一條
香港居民有在香港特別行政區境內遷徙的自由，有移居其他國家和地區的自由。香港居民有旅行和出入境的自由。有效旅行證件的持有人，除非受到法律制止，可自由離開香港特別行政區，無需特別批准。
只要修改基本法31條，香港大亂！
香港政府不能禁止香港人帶錢走！
基本法
第一百一十二條 香港特別行政區不實行外匯管制政策。港幣自由兌換。繼續開放外匯、黃金、證券、期貨等市場。
香港特別行政區政府保障資金的流動和進出自由。
修改112條，香港金融業立劇崩潰！
許智峯事件巳是在沒有表面證據下指控洗黑錢！即是任何公司有集資都可以先指控洗黑錢！香港金融界聲譽巳經大受破壞！
Chi sin... this is not true. Even before the handover, people paid tax as well. It is just that you only pay one side of the tax, and not both sides. Some people paid the UK side, and not the HK side. Or you pay the HK side and not the UK side. But you still have to pay ! With regards to HK... Cos people have never been OUT of HK.. it was a freeport. But you DO have to pay, and then reclaim back I think it was. I find what some people say very weird. Who taught you guys to open a company in order to pay a house or a flat ? Who the heck does that ? No wonder other people are clamping down.. and even this immigration law business, who tells you that you can hold several countries' passport? I do not believe this kind of BS.
請問個條自己奱成英國公文既條例可以係邊度找到相關資料
?
stateless 可以申請入英籍，你可以喺英國移民局網頁度搵到
請問股票又計税嗎？
係
大哥, 你D廣告多到呢, 頂唔順，幾分鐘一個
交稅嘅嘢，總之公公道，正常避稅可以，稅務規劃唔好做得太過份（去稅務天堂開公司之類）就得啦。
如果有聽稅務果集 / 上星期 城市論壇，逃稅呢支歌隻冇得再唱了。
@@jc96911 「合法」避稅都大把途徑，唔使逃稅。
I wonder if this help. Fear of travel document being cancelled.
>>>I leave HK with Hong Kong SAR passport. If the destination country requires Visa get it to leave HK.
>>>After you arrived in UK you present your birthday certificate that you were entitle to BNO Bing Go.
If you were at retirement age You should be able to enjoy your pension any where in the Common Wealth.
If you are a BNO holder you can go to Singapore, for example, then onward to your destination.
On the other hand if you are waving your BNO as a Up Yours document on Land Side of HK airport it is both unnecessary and foolish.
I hope this help.
大家好，今日喺。。。
點解我有親戚去日本工作，只有工作證又可以去攞Mpf?佢係上年攞
Good !
我都好希望趙博离開香港。
我O4年至今打散工，冇強積金，好彩。
支持
Inheritance tax is only applied to overseas assets for residence domiciled by choice.
What is "residence domiciled by choice"? Please explain more.
Do something and try Google search on “Domicile of choice”.
@@stephentsang5846 Thanks
簽證都未出...
多謝資料和分析🌻
請問遺產稅，若父母各自keep30幾磅，其餘的給了子女，那便可避免嗎
Yes
但要父母同時死先有用
謝謝回覆😊🙏
Support, support.
Class
香港人,加油
good sharing
今日不可以有雙重國籍，如果我有BNO選擇入英籍或者唔要中國國籍，咁我嘅強積金係咪可以攞返呢
唱邊支國歌有得揀，兩頭蛇死得最慘
@@petergo9215 永生不做中共人