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标题: 父母移民新政策答疑 - financial requirements [打印本页]
作者: zsrite    时间: 2012-8-20 20:35:31     标题: 父母移民新政策答疑 - financial requirements

本帖最后由 zsrite 于 2012-8-20 20:41 编辑

Guaranteed lifetime minimum income

What do you mean by guaranteed lifetime minimum income? Is there a minimum threshold that you must receive the income for?
Guaranteed lifetime minimum income is stable income that you will receive indefinitely for the rest of your life. For example, a government pension.

What evidence do I need to provide to demonstrate that my pension meets the guaranteed lifetime minimum income requirements?
You will need to provide confirmation from your respective home government that the pension you receive meets the guaranteed lifetime minimum annual income requirement of NZ$27,203. If your partner is also included in your application, confirmation of a joint guaranteed lifetime minimum income of at least NZ$39,890 per annum is required. Note that the pension must be paid indefinitely.

Settlement funds

Can funds and/or assets already in New Zealand be nominated as settlement funds?
Yes they can, provided the principal applicant can demonstrate ownership of the funds, that they were earned or acquired legally and that either they:


Is there any requirement on how settlement funds must be used once they have been transferred to New Zealand? For example, placed in a bank account, used to buy a house.
No, once settlement funds have been transferred to New Zealand, you can use them how you like. Ideally, they should be used to help you settle in New Zealand.

Can settlement funds be ‘gifted’ to the principal applicant?
Funds and/or assets which have been gifted to the principal applicant unconditionally and in accordance with local law are acceptable. To demonstrate that the funds and/or assets have been gifted lawfully, you could provide copies of legal documents such as a trust document where you are the benefactor of the trust, wills, or probates, etc. You will also need to provide evidence that your donor acquired those funds and/or assets legally.

If I nominate the value of my house as evidence of my settlement funds, can I borrow against the house and transfer those funds to New Zealand or do I have to sell it and transfer the proceeds through the banking system?
If you nominate your house as evidence of your settlement funds you must sell your house and transfer the proceeds to New Zealand. You cannot take a loan out against your house.

Why do I need to transfer my settlement funds through the banking system?
We need to ensure that the settlement funds you bring to New Zealand are the same funds that you nominated in your Expression of Interest and provided evidence of in your residence application.

What is the funds transfer process?
After your application is approved in principle you have 12 months to transfer your nominated settlement funds to New Zealand through the banking system or via a foreign exchange company that uses the banking system. If you have nominated an asset such as a house, you must sell the house and transfer the proceeds to New Zealand.

The following example illustrates the fund transfer process for someone who has used the value of their residential house as their nominated settlement funds. The evidence required is also included.

Transfer process Evidence required
Nominated asset: residential house Title deed, rates demand
Valuation: NZ$650,000Valuation by registered valuer, not a real estate agent
Mortgage: NZ$150,000Bank documentation
House sold for NZ$650,000Sales and purchase agreement
Net value: NZ$500,000NZ$650,000 minus NZ$150,000
Funds transfer from buyer to your solicitor’s trust accountBank transfer documentation
Funds transfer from your solicitor’s trust agreement to your personal bank accountBank transfer documentation
Funds transfer from your account to your New Zealand bank account via the international banking systemTelegraphic transfer receipt



How do I demonstrate that I have earned or acquired my nominated settlement funds and/or assets legally?
This will depend on what your nominated funds and/or assets are. The following is a non-exhaustive list of examples of types of evidence that can be provided.

Nominated asset/fundsOwnership evidenceEarnings evidence
PropertySales and purchase agreement, title deeds, bank mortgage details, local ratesBank statements, salary history, tax returns for the last five years, share portfolio funds management documentation, trust documents, sales and purchase agreement, current valuation from a registered valuer
Liquid fundsBank accounts, share register/ managed funds documentationBank statements, salary history, tax returns for the last five years, share portfolio funds management documentation, trust documents, sales and purchase agreement, current valuation from a registered valuer
Other assets, for example, gold or paintingsPurchase agreementsBank statements, salary history, tax returns for the last five years, share portfolio funds management documentation, trust documents, sales and purchase agreement, current valuation from a registered valuer
Company ownershipCompany registration documents, company returnsCompany financial accounts, annual reports
Gifted funds/propertyProbates, wills, trust documentsSee above – depends on what the gifted funds or assets are




The immigration officer processing your application will be looking for your capability to have earned these funds over time (or your donor if you have been gifted the funds) and your names on documents relating to them as proof of ownership.


Sponsor requirements

As a sponsor, can I use income from a rental property as evidence of my gross minimum income requirements?
Yes, income from rental property can be considered to meet the definition of ‘regular investment income’ under F4.30.1. (b) of the Immigration New Zealand Operational Manual.


ref
作者: mabelpong    时间: 2012-8-21 12:55:03

顶.....楼主的消息是哪里来的？ 照这样看那么从换汇公司的也可以啦.....是不是啊
作者: timeover    时间: 2012-8-21 13:12:58

移民局有没有一个清单说那些foreign exchange company是被承认的？
作者: mabelpong    时间: 2012-8-21 13:19:27

那走地下钱庄的是不是也可以啊？急问，因为父母才从地下钱庄转了50万给我
作者: zsrite    时间: 2012-8-21 13:31:28

所有信息来自移民局网站。应该是最准确的。但目前官方只给了这么多信息。其他的就要看每个人的理解了。移民官和中介应该也是看这些资料。

至于地下钱庄，上面写道“a foreign exchange company that uses the banking system from the country or countries in which they were earned or acquired legally”。不清楚地下钱庄是否属于foreign exchange company that uses the banking system。但是有一点地下钱庄在新西兰合法，但是在中国好像不是。否则也不会叫“地下”钱庄了。

而且他还写道：
Why do I need to transfer my settlement funds through the banking system?
We need to ensure that the settlement funds you bring to New Zealand are the same funds that you nominated in your Expression of Interest and provided evidence of in your residence application.

地下钱庄好像是你把钱转到一个人的账户，然后在这边直接取钱。我自己的理解是这样并不能“ensure that the settlement funds you bring to New Zealand are the same funds that you nominated in your Expression of Interest“。或者如果你可以证明这一点并且说服移民官兴许也可以。

但是还是中国银行最安全了。随便找几个亲友的身份证就可以汇了。
作者: zsrite    时间: 2012-8-21 13:39:03

本帖最后由 zsrite 于 2012-8-21 13:51 编辑

还有我的理解房租可以作为子女的收入，不能做为父母的lifetime收入。父母的lifetime收入只能是政府养老金。
You will need to provide confirmation from your respective home government that the pension you receive meets the guaranteed lifetime minimum annual income requirement of NZ$27,203. If your partner is also included in your application, confirmation of a joint guaranteed lifetime minimum income of at least NZ$39,890 per annum is required. Note that the pension must be paid indefinitely.
作者: mabelpong    时间: 2012-8-21 13:48:04

灰常谢谢，看来我父母转我的那50万是不能用了，但是没关系，我就用工资担保了，有能力怎样都可以的
作者: zsrite    时间: 2012-8-21 14:01:43

看起来用子女工资担保最简单。用500k的话需要n多证明材料，材料越多，调查时间就越长。而父母的lifetime收入看起来就不适合中国人。
作者: bestzheng    时间: 2012-8-21 14:20:12

你好，我刚刚担保我父母办了pr，昨天刚刚批下来。签证说是要担保5年的。
这种情况下我能马上在担保我老婆的父母办pr么？还是要等几年阿？我老婆没有收入。
如果可以的话有什么要求
作者: 艾姆阿兔    时间: 2012-8-21 14:24:22

我父母有一栋商业房产在中国 年租金40万人民币。我已经问过移民局了，可以作为Guaranteed lifetime minimum income。
作者: zsrite    时间: 2012-8-21 15:06:13

艾姆阿兔 发表于 2012-8-21 14:24
我父母有一栋商业房产在中国 年租金40万人民币。我已经问过移民局了，可以作为Guaranteed lifetime minimum ...

对于新政策，同是移民局的不同工作人员也可能会有不同理解。只要没有写成文字公布都可能不准的。

移民局给的官方资料写到：

Evidence of guaranteed minimum lifetime income includes:
pensions that will be paid to the applicant(s) indefinitely, including during any time that they will be New Zealand residents or citizens; or
other stable income paid to the applicant(s) indefinitely, including during any time that they will be New Zealand residents or citizens.

An immigration officer may decline an application if they are not satisfied the applicant(s) income:
is guaranteed; or
is stable; or
will be paid to the applicant(s) indefinitely.

建议你最好给移民局发邮件，拿到文字证据。以后如果你的CO说不行你可以找他理论。
作者: 艾姆阿兔    时间: 2012-8-21 15:24:43

zsrite 发表于 2012-8-21 15:06
对于新政策，同是移民局的不同工作人员也可能会有不同理解。只要没有写成文字公布都可能不准的。

移民 ...

好的,我打的是call centre的电话，一个印度女人接的，很肯定得跟我说可以。我还问她因为我的租约是3年一个term的，这样可以算life time吗，她说可以，因为你是商业房产总要出租的，而且你商业房产的价值也在那里的。我觉得还是写email问一下得到书面的答复比较好，可是我找了半天没有找到移民局的email,你知道吗？
作者: zsrite    时间: 2012-8-21 17:52:59

我也没找到，或许他就是不想让你拿到文字证据吧。

或者你可以试一下移民部长nathan.guy@national.org.nz， 他的回复说可以那么就100%可以。
作者: timeover    时间: 2012-8-21 18:02:07

zsrite 发表于 2012-8-21 13:31
所有信息来自移民局网站。应该是最准确的。但目前官方只给了这么多信息。其他的就要看每个人的理解了。移民 ...

请问你说拿亲戚身份证汇过来，这样的话银行账单上不就显示的是亲属的名字而不是父母的，这样的话移民局会认可嘛？谢谢
作者: zsrite    时间: 2012-8-21 18:08:21

timeover 发表于 2012-8-21 18:02
请问你说拿亲戚身份证汇过来，这样的话银行账单上不就显示的是亲属的名字而不是父母的，这样的话移民局会 ...

细节不清楚，只是听别人说的。或者让家人到中国银行打听打听。要么到外汇管理局申请也可以。
作者: timeover    时间: 2012-8-21 18:35:38

zsrite 发表于 2012-8-21 18:08
细节不清楚，只是听别人说的。或者让家人到中国银行打听打听。要么到外汇管理局申请也可以。

谢谢啊，是说去外汇局申请就可以多汇嘛？
作者: 翩然飞舞如蝶    时间: 2012-8-21 19:10:52

那公司的股份终身拥有的 可以作为终身收入吗？
作者: anzbank    时间: 2012-8-21 20:27:43

国内打人民币，这边拿纽币的不叫汇钱，叫洗钱
作者: zsrite    时间: 2012-8-21 22:30:46

翩然飞舞如蝶 发表于 2012-8-21 19:10
那公司的股份终身拥有的 可以作为终身收入吗？

还是那句话，因为是新政策，只要没有文字正式发布的条文或者答疑，没有谁可以给出100%准确的答案。这里包括一些移民局的工作人员，因为他们跟我们一样都是看移民局网站上公布的文件。只是每个人理解不一样。不信你可以多打电话问几次，不同人可能给你不同的答案。刚开始就要看你碰到的CO了。有的CO可能认为可以，跟你的想法一样；有的CO可能认为不可以，认为公司可能破产，或者由于某些原因你把股份或房产卖掉了，而以后并无法保证你把得到的钱带到新西兰来。所以就看运气了。祝你好运。

或者给移民部长写信（nathan.guy@national.org.nz），相信不久就会发布你想要的答案。
作者: 翩然飞舞如蝶    时间: 2012-8-22 15:08:28

zsrite 发表于 2012-8-21 22:30
还是那句话，因为是新政策，只要没有文字正式发布的条文或者答疑，没有谁可以给出100%准确的答案。这里包 ...

谢谢你的回复~~~
作者: DHD    时间: 2012-8-22 23:39:20

本帖最后由 DHD 于 2012-8-22 23:40 编辑

楼主知道如果同时担保夫妻双方父母移民，我们最低要有多少的家庭收入？我一直找这个信息，可以在网站上没找到。一方是去年递交的，不打算改T1了，另外一方打算今年递，按T1递。
作者: zsrite    时间: 2012-8-23 08:00:58

因为移民局根本就没有提过担保两个或以上家庭的条件。所以不同人的理解有差别。当你说你有同时担保两个家庭时很多人会马上想到费用会double；但即使不double，因为两个家庭为两份申请，单独看都不违反移民局目前所提的条件。所以我目前的理解是后者。但是如果你告诉了你的CO你资助了多份申请，而他的理解恰恰是double，你对他也没辙，最多事后上诉。

我猜这个应该是移民局的漏洞。移民局一直说8月份的是试选T1。我猜想就是移民局想看看大家都什么条件，有没有自己没有考虑到的地方。当11月左右有可能会发布更多的细则。
作者: Littlemoon    时间: 2012-8-23 11:18:47

请问LZ, 目前填EOI Form是不是不需要提供任何其他附件，只要把Form寄去移民局，然后准备好Fee就行了？连income evidence都不用吗？
我看INZ1202 form上说：Do not send  supporting documentation when submitting your EOI. Only include any additional sheets require to explain your answers to questions in the form.
这里指的addtional sheets具体是指什么呢？
作者: zsrite    时间: 2012-8-23 14:53:12

本帖最后由 zsrite 于 2012-8-23 14:54 编辑
Littlemoon 发表于 2012-8-23 11:18
请问LZ, 目前填EOI Form是不是不需要提供任何其他附件，只要把Form寄去移民局，然后准备好Fee就行了？连inc ...


你已经知道答案了：Do not send  supporting documentation when submitting your EOI。

至于“Only include any additional sheets require to explain your answers to questions in the form。”我认为意思是你认为表格留给你的位置太小，不够你回答他的问题。再加一张白纸。
作者: 小莹子    时间: 2012-8-23 20:24:29

翩然飞舞如蝶 发表于 2012-8-21 19:10
那公司的股份终身拥有的 可以作为终身收入吗？

问过移民局和中介说国内的退休金和租房还有股票分红都算的，但是再等等细则吧，最好有文字规章写出来比较靠谱
作者: teresa_luv_u    时间: 2012-8-24 10:24:17

如果父母有自己的房子在这，这房子一定要卖，换成现金然后再存去银行吗？还是证明一下这房子的价值就可以了？
作者: 朱古力    时间: 2012-8-24 11:12:05

Can settlement funds be ‘gifted’ to the principal applicant?  ]4 Q1 M% N% M5 [
Funds and/or assets which have been gifted to the principal applicant unconditionally and in accordance with local law are acceptable. To demonstrate that the funds and/or assets have been gifted lawfully, you could provide copies of legal documents such as a trust document where you are the benefactor of the trust, wills, or probates, etc. You will also need to provide evidence that your donor acquired those funds and/or assets legally.
请问这个是什么意思？？
作者: 翩然飞舞如蝶    时间: 2012-8-24 13:46:56

小莹子 发表于 2012-8-23 20:24
问过移民局和中介说国内的退休金和租房还有股票分红都算的，但是再等等细则吧，最好有文字规章写出来比较 ...

了解了~~~~谢谢
作者: 小马虎    时间: 2013-1-6 13:21:27

我打电话给上海移民局的，里面的人给我的答案是父母在在国内房产的房租不算。
作者: terrygsm    时间: 2013-1-8 15:55:33

我现在给家人递交T2的，是不是先交个eoi 表格1202就可以了？
目前的政策t2要等多久，还有希望么？
最后，我家人在国内，我在新西兰递交可以么？
谢谢
作者: terrygsm    时间: 2013-1-8 17:25:00

我在eoi的表格上看见要填写父母的护照号码，如果他们的护照马上就到期了是不是还要申请一本新的？
作者: renehappy    时间: 2013-1-23 21:17:26

小马虎 发表于 2013-1-6 14:21
我打电话给上海移民局的，里面的人给我的答案是父母在在国内房产的房租不算。

那请问， 怎么个算50W？这些股票、房产等等加起来如果超过50W， 但是那些不能卖啊。移民局意思是一定要把钱带过来？还是证明一下就可以了？
作者: 小马虎    时间: 2013-1-24 17:52:52

renehappy 发表于 2013-1-23 22:17
那请问， 怎么个算50W？这些股票、房产等等加起来如果超过50W， 但是那些不能卖啊。移民局意思是一定要把 ...

是现金。而且是在受理后一年内汇入（据说），不过中国是金融管制国家，到目前为止，好像只有中国银行是合法途径，每年只能5万美金一个人，所以个人理解这条也是不通的路，只有子女担保最合适。
作者: Micy    时间: 2013-2-5 16:37:14

我和老公收入够t1,爸妈前年8月递的旧政策，刚给转了t1,3年往返4月中到期，请问他们有没有可能在不续签的情况下拿到pr呢，
作者: 一沙一世界    时间: 2013-2-5 19:10:17

小马虎 发表于 2013-1-24 17:52
是现金。而且是在受理后一年内汇入（据说），不过中国是金融管制国家，到目前为止，好像只有中国银行是合 ...

父亲加母亲加你自己一共三个人，一个人可以最多汇6万美金，所以十二个月可以一共汇18万美金。
然后可以要求延长6个月，你们三个人的身证份在一个汇6万美金，就搞定了。
我是这么理解的。
我记得，政策讲，原则上十二个月，可以延长至18个月。
打个电话去问问吧。
作者: 买房卖房    时间: 2013-2-6 03:55:59

DHD 发表于 2012-8-22 23:39
楼主知道如果同时担保夫妻双方父母移民，我们最低要有多少的家庭收入？我一直找这个信息，可以在网站上没找 ...

夫妻俩收入9万，可以同时担保双方父母的，移民局网站上明确写明的，你就放心一起申请吧，不要耽误了。
作者: 买房卖房    时间: 2013-2-6 03:58:10

bestzheng 发表于 2012-8-21 14:20
你好，我刚刚担保我父母办了pr，昨天刚刚批下来。签证说是要担保5年的。
这种情况下我能马上在担保我老婆的 ...

你应该同时申请双方父母的，只要夫妻俩收入达到就可以，不需要一定是谁的收入
作者: 买房卖房    时间: 2013-2-6 04:02:46

bestzheng 发表于 2012-8-21 14:20
你好，我刚刚担保我父母办了pr，昨天刚刚批下来。签证说是要担保5年的。
这种情况下我能马上在担保我老婆的 ...

你应该同时申请双方父母的，只要夫妻俩收入达到就可以，不需要一定是谁的收入
作者: xli422    时间: 2013-2-6 20:04:37

我父母办理3年往返签的时候已经做过体检了，那2月份要递交PR材料的话还需要再去做体检吗？



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