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新加坡PR身份的10大福利有哪些？（未申请PR的必看！）

新加坡永久居民（PR）身份不仅为你提供了长期居留的自由，还伴随一系列令人向往的福利，不论是工作、教育、医疗还是生活规划，皆能为你和家人提供更全面的保障和便利。以下是PR身份的10个重要优势：

1. 工作与职业发展更灵活

  • 免工作签证：PR身份无需工作准证（如EP或SP），换工作时也不用担心准证被取消。
  • 更多就业机会：部分行业和岗位优先考虑PR和公民，如政府相关职位。

2. 创业优势

  • 灵活的业务结构：创业者可以选择适合的公司架构，例如独资企业、合伙企业或私人有限公司，满足不同发展阶段的需求。
  • 政府扶持：提供多项创业拨款和补贴计划，例如“生产力解决方案补助金（PSG）”和“市场准备援助计划（MRA）”，助力企业启动与成长。
  • 国际化平台：作为国际贸易中心，新加坡为企业提供了与全球市场接轨的绝佳机会。

3. 公积金储蓄

  • 公积金计划（CPF）：PR每月自动享有公积金储蓄计划，雇主和员工共同缴纳，资金可用于购房、医疗、教育及退休等多项用途。

4. 保健储蓄与医疗保障

  • 保健储蓄计划 （Medisave）：公积金其中一个账户，可用来支付基础医疗保险、基本人寿保险以及终身护保计划。
  • 基础医疗保险（MediShield Life）：享有政府提供的基础医疗保障，同时可通过公积金账户升级综合健保计划（IP），覆盖更高的医疗费用。
  • 家属保障计划 （Dependant’s Protection Scheme）：政府推出的定期人寿保险计划让21至65岁的公民和永久居民自动加入。
  • 终身护保计划（CareShield Life）：若你无法进行6项日常生活活动（ADLs）中的3项，将为你提供每月财务津贴支持。

5. 教育优惠

  • 学费更低：PR子女在公立学校的学费远低于外国学生，包括幼儿园到高中。
  • 优先录取：在学校入学时，PR子女优先级高于外国学生，更容易进入优质学校。

6. 买房更有优势

  • 购买公寓或HDB二手组屋：PR身份可购买私人公寓或符合条件的HDB二手组屋（这是许多家庭的首选），比外国人有更多的选择。
  • 更低的额外买方印花税（ABSD）：相比外国买家需缴纳高达 30% 的额外买方印花税，PR仅需缴纳5%，大幅降低购房成本。

7. 节税优势

  • 公积金充值省税：每年为自己的公积金账户充值，不仅能提升退休储备，还可享受节税优惠，一举两得。
  • 家庭节税：赡养配偶、父母及子女也可享个别节税（符合条规）。
  • 税率优惠：PR身份享有更贴近公民的税率政策，为长期在新加坡工作的你减轻负担。例如，在ActiveSG+平台上，PR与公民可享相同优惠价格，使用运动设施和设备，提升生活品质的同时更省钱。

8. 家庭团聚更方便

  • 家属申请便捷：PR可为配偶和孩子申请长期探访准证（LTVP），并有机会帮助他们申请PR身份，确保家人更容易长期居住新加坡。

9. 移动更自由

  • 自由出入境：PR身份无需担心工作签证过期，可自由出入新加坡和其他国家。

10. 有机会获得新加坡公民身份与护照

  • 含金量极高的新加坡护照：成为PR后，达到指定年限和条件即可申请新加坡公民身份，获得世界最强护照之一，享有与本地出生公民相同的权利和全球通行便利。

PR身份适合谁？

如果你计划在新加坡长期发展、买房置业、抚养子女或为未来提供更高保障，PR身份将是你的理想选择。

为了让你和家人更安心的在新加坡生活，除了身份规划，保障和财务规划也同等重要！

你必须了解PR必备的5大保险有哪些，可参阅此文章。

想了解更多关于保险理财规划？欢迎随时联系我！

📞 WhatsApp: +6586802340
💬 微信 WeChat: lidwinabq

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

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Lidwina Teo 维娜

With over 5 years of experience in client service industries, I come to understand and appreciate the importance of high-quality customer service and customer experience. The key is to always prioritize the best interests of customers, ensuring their needs and expectations are met with professionalism.

The passion for client service extends into my current role where I strive to deliver personalized financial planning services. With more than 150 business partners in our company, I can help you achieve your financial goals by analyzing various financial products and offering tailored financial advice. 

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根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

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  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照，并许可在新加坡共和国境内依据财务顾问法（第110章）和证券与期货交易法（第289章）进行财务咨询等相关业务
  • Any services provided by FAPL to persons not ordinarily resident in Singapore are provided solely on an offshore basis from Singapore, resulting from direct enquiry on the part of the foreign residents.
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  • As an integral part of the provision of such services, FAPL may from time to time make available to such residents, documents and information making reference to capital markets products (for example, in connection with the provision of fund management or investment advisory services outside of the foreign jurisdiction).
  • 作为提供此类服务的一部分，鑫盟理财会不时向此类咨询者提供有关产品的参考文件和信息（例如，关于海外司法管辖区以外的资金管理或投资咨询服务等信息）。
  • Such documents and information are provided by Financial Alliance Pte Ltd (“FAPL”) is for general information only and is not intended for anyone other than the recipient.
  • 此类由鑫盟理财所提供的文件和信息仅供收件人做一般信息参考。
  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
  • 此类文件和信息不会把-个人投资目标，财务状况或其特定需求等考虑在内。
  • It does not constitute the making available of, or an offer or solicitation by FAPL to buy or sell or subscribe for any such capital markets product or to enter into a transaction or to participate in any particular trading or investment strategy nor an advice or a recommendation with respect to such financial products.
  • 鑫盟理财向该人士提供此类文件和信息将不构成要约或招揽购买或出售或认购任何此类资本市场产品，或达成交易或参与任何特定的投资策略，也不构成有关此类金融产品的建议或推荐。
  • These documents may not be published, circulated, reproduced or distributed in whole or in part to any other person without FAPL’s prior written consent.
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  • You shall ensure that you have and will continue to be fully compliant with all applicable laws in your home country when entering into discussion or contracts with FAPL.
  • 在与鑫盟理财进行讨论或签订合约时，您应确保您已完全遵守并将继续遵守您所在原居住国的所有适用法律及条规。

In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策