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想定居新加坡PR的你不能错过！：成为PR的十大优势

新加坡永久居民（PR）身份不仅让你可以长期居住，还带来了许多优点，包括工作、教育、医疗和生活等方面的便利和保障。

以下是PR身份的10大好处：

 

1. 职业空间更具弹性

  • 免工作签证：拥有PR身份后，无需申请工作准证（如EP或SP），换工作时也不必担心准证被撤销。
  • 更多就业机会：一些行业和职位会优先考虑PR和公民，例如政府相关岗位。

 

2. 创业优势

  • 业务结构灵活：创业者可选择合适的公司形式，如独资企业、合伙企业或私人有限公司，以适应不同的发展阶段。
  • 政府支持：提供多种创业援助和补贴计划，如“生产力解决方案补助金（PSG）”和“市场准备援助计划（MRA）”，帮助企业启动和成长。
  • 国际化平台：新加坡是全球贸易中心，为企业提供与国际市场接轨的好机会。

 

3. 公积金储蓄

  • 公积金计划（CPF）：PR每月自动参与公积金储蓄计划，雇主和员工共同缴纳，资金可用于购房、医疗、教育和退休等用途。

 

4. 保健储蓄与医疗保障

  • 保健储蓄计划（Medisave）：公积金其中的一个账户，可用于支付基本医疗保险、基本人寿保险和终身护保计划。
  • 基础医疗保险（MediShield Life）：政府提供的基础医疗保障，还可通过公积金账户升级为综合健保计划（IP），以支付更高的医疗费用。
  • 家属保障计划（Dependant’s Protection Scheme）：政府推出的定期人寿保险计划，可让21至65岁的公民和永久居民自动加入。
  • 终身护保计划（CareShield Life）：如果你无法进行6项日常生活活动（ADLs）中的3项，每月能获得财务津贴援助。

 

5. 教育福利

  • 学费优惠：PR子女在公立学校的学费比外国学生低，涵盖从幼儿园到高中各阶段。
  • 优先录取：PR子女在入学时比外国学生更享有优先权，较容易进入优异学校。

 

6. 购房的独特优势

  • 购房选择灵活：PR可购买私人公寓和符合条件的HDB二手组屋，选择比外国人更多。
  • 较低的额外买方印花税（ABSD）：PR只需缴纳5%的额外买方印花税，而外国人需缴纳高达30%，大幅降低了购房成本。

 

7. 税务优惠

  • 公积金充值节税：每年为公积金账户充值，不仅增加退休储备，还能享受节税优惠。
  • 家庭节税：赡养配偶、父母和子女可享个别节税（符合规定）。
  • 税率优惠：PR身份享有接近公民的税率政策，减轻长期工作在新加坡工作者的税负。例如，在ActiveSG+平台上，PR和公民可享相同的优惠价，使用运动设施和设备，不仅提升生活品质，还能节省开支。

 

8. 家庭团聚便捷

PR可为配偶和孩子申请长期探访准证（LTVP），并有机会协助他们申请PR身份，方便家人长期定居新加坡。

 

9. 出入境不受限制

  • 自由进出：PR身份无需担心工作签证到期问题，可自由出入新加坡及其他国家。

 

10. 有机会获取新加坡国籍与护照

  • 新加坡护照价值高：成为PR后，满足条件和年限即可申请新加坡国籍，获得全球通行便利和与本地公民相同的权利。

 

如果你打算在新加坡长期发展、购房置业、抚养子女或为未来提供更好保障，PR身份是一个不错的选择。

为了让你和家人在新加坡生活更安心，除了身份规划，保障和财务规划同样至关重要！

想要制定适合你的理财计划，欢迎随时联系我。

微信号：a19842182457 或 WA：+65 9465 3813

 

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 unbiased 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.

Published By:

Martin Hsia 乙未

歡迎來到我的個人網站，我是Martin乙未，土生土長的台灣人。曾經在澳大利亞和上海求學，目前定居於新加坡。

從小便對財務與投資充滿興趣，尤其是在家庭的熏陶下，這股熱情愈加濃烈。13歲時，便在金融海嘯中擁有了人生的第一張股票，也由此踏上了投資之路。在30歲之前，我成功累積了自己的第一桶金。

目前，我在新加坡最大的獨立理財顧問公司工作，專注於為客戶提供資產增值和風險管理的專業服務，協助他們在多變的市場環境中穩健成長。

希望未來可以成為您在新加坡，投資理財的資源人士。

持續不斷為您輸出有價值的訊息，成為您在新加坡值得信賴的理財顧問。

 

 

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  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
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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