Dutch immigrant loans to buy a house.

# China # China # Introduction After handling the Dutch immigration, most people will choose to buy a house locally, but many China people are not very clear about the mortgage, mortgage and loan methods for buying a house in the Netherlands. The following is the common sense of buying a house with unorganized Dutch immigrant loans. Welcome to read!

Common sense of Dutch immigrant loan to buy a house

Pay only the interest first, and finally pay off the principal in one lump sum. This loan method is to repay the principal and interest regularly, and the principal is not included in the regular repayment amount. The repayment of the principal was postponed until the last loan. This kind of loan requires you to repay the principal directly at the end of the loan period (which may be as long as 30 years). You must save the money yourself to ensure that you have enough money to repay when the repayment period comes, because the principal you borrowed is not included in the mortgage repayment amount.

You can also repay in advance, so the interest to be repaid will be reduced.

2. Repay a fixed amount of loan and interest every month. In this way, you pay a fixed amount every month.

Since the amount you pay each month includes principal and interest, in this case, the amount of interest you pay each month actually decreases and the amount of principal increases. The consequence of this is that the amount of tax refund you can get will be less and less.

Third, pay a fixed amount of principal every month. In this way, you pay a fixed amount of principal every month, but the interest decreases month by month. So the monthly repayment amount is gradually decreasing, which means that the amount you pay at the beginning of each month is getting lower and lower.

4. Uncertain way, that is, you repay the loan principal in one lump sum at the end of the loan period. However, I'm not sure whether the money you "save" to repay the loan will be enough to pay your loan principal.

This uncertainty is because your savings are used for investment (buying stocks, etc.). ), and your deposit may be more than, less than or equal to the loan principal during the loan period.

Guide to the Dutch Immigration Planning Fund

1, investment planning

Financial planners suggest the combination of short-term fixed income products and one-year fixed investment. Because they didn't have much savings before, in the first year, it is recommended to buy a fixed-income monthly fixed investment every month and take it out one year later. According to their situation, they can invest 30,000 yuan per month, and according to the annualized rate of return of 6.8%, they can receive 373,000 yuan of principal and interest after one year.

Between the second year and the third year, the two can successfully realize the plan of letting one of them immigrate to the Netherlands first. If all goes well, they can get married in Holland within three years.

2. Parents' pension insurance planning

Even under the influence of traditional ideas, parents can't immigrate to the Netherlands in a short time, but they can't forget the grace of parenting. Therefore, the financial planner suggested that the two should buy endowment insurance for their parents. First, they should be free from worries and be filial to themselves. Second, they should let their parents have no children to serve them in the future and have some peace of mind.

3. Family Reserve Fund

Generally speaking, taking a family's monthly expenditure of 3 ~ 6 months as an emergency reserve fund is enough to cope with the unexpected expenditure of the family. Of course, the emergency reserve fund can be increased to 6 ~ 12 months to improve the liquidity of the whole fund.

According to the income and expenditure of two people, it is suggested that the emergency reserve be 30,000 ~ 40,000 yuan. Although it is an emergency reserve, it doesn't have to be put in a current deposit, as long as it is guaranteed that the money can be withdrawn at any time when needed. The financial planner suggested that it can be put in the "money fund". At present, the annualized rate of return of the money fund is 4% ~ 5%, and the risk is very low, but the income is more than 10 times higher than the demand deposit, and it can be received within 0 ~ 2 days after redemption.

Introduction of Dutch high-tech immigrants

Dutch high-tech immigrants, referred to as KM for short, refer to projects that set up subsidiaries in the Netherlands through enterprises investing in China and send senior managers to work in the Netherlands to apply for residence permits in the Netherlands.

The Dutch subsidiary really exists, and the applicant has the "skills" to run a business in the Netherlands. Whether the company is profitable or not depends on itself. The loss of profits of the Dutch subsidiary does not affect the renewal of the applicant's identity.

In the first five years of immigration to the Netherlands, you can enjoy basically the same welfare benefits as Dutch citizens (except voting rights, unemployment benefits, relief funds, low-rent housing with zero down payment and government subsidies). After five years, you can apply for permanent residence and naturalization at the request of the Dutch government.

I. Application requirements

1. Requirements for the applicant:

The main applicant is between the ages of 22 and 55;

Bachelor degree or above;

/kloc-accompanying children under 0/8 years old;

The principal applicant and spouse cannot be legal persons of domestic companies and can hold shares, but the total shareholding ratio should be less than 5%;

The principal applicant has worked in the parent company for more than 6 months.

2. Requirements for domestic parent companies:

The parent company has been established for more than 3 years;

The turnover of the parent company's tax declaration reaches more than 5 million yuan;

The parent company has more than 10 employees;

The cash flow of the parent company currently reaches more than 1 10,000 RMB;

Second, the handling process

Apply for registration and establishment of a Dutch company, complete account opening and capital injection;

Submit immigration materials to the Dutch Immigration Bureau for approval;

Go to the Dutch consulate in China for a face-to-face visa, get an MVV visa, and then submit a family application;

Landing in the Netherlands to obtain a residence card;

Improve immigration procedures and carry out company operations.