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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:
- originally have been transferred to New Zealand through the banking system, or a foreign exchange company that uses the banking system from the country or countries in which they were earned or acquired legally, or
- have been earned or acquired legally in New Zealand.
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$650,000 | Valuation by registered valuer, not a real estate agent | | Mortgage: NZ$150,000 | Bank documentation | | House sold for NZ$650,000 | Sales and purchase agreement | | Net value: NZ$500,000 | NZ$650,000 minus NZ$150,000 | | Funds transfer from buyer to your solicitor’s trust account | Bank transfer documentation | | Funds transfer from your solicitor’s trust agreement to your personal bank account | Bank transfer documentation | | Funds transfer from your account to your New Zealand bank account via the international banking system | Telegraphic 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/funds | Ownership evidence | Earnings evidence | | Property | Sales and purchase agreement, title deeds, bank mortgage details, local rates | Bank 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 funds | Bank accounts, share register/ managed funds documentation | Bank 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 paintings | Purchase agreements | Bank 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 ownership | Company registration documents, company returns | Company financial accounts, annual reports | | Gifted funds/property | Probates, wills, trust documents | See 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.
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发表于 2012-8-20 20:35:31
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