I still need to pay NI after i reached the State Pension age(66,67,68) However, that NI won't be paid back for me. Only the amount I contributed on or before the state pension age will be paid me back provided that I made up the ten years rule?
You no need to pay any NI contributions after you reach the retried age. Unfortunately, there is nothing be paying back for you either state pension or any contributions you had paid before... However, you should find HMRC for advice in your case.
現在他們說過去兩年沒有完成(year is not full), 需要我在2028年和2029年前交付~800鎊完成, 我關注的是在未來每一年(如果工作性質和收入不變)都要交這個short-fall才可滿足退休領取NI資格, 那我是要活至佰歲才抵數? 那麼又如何申報才可支付較少供款? 謝謝@@andyartstudio
謝謝留言💛 在您問題中應該是指State Pension內的credit，並不是Pension Credit 。如果NI自願供款for state pension是可以追溯返以往6年內的gap year 指定金額，可以去check-ni-contribition 政府網站就check得到。但先賣個關子，下一集會教大家不需要昂貴的gap year 指定金額就可以供到ni，密切留意
Yes, you can. How long it takes You can make same or next day payments: by approving a payment through your online bank account by online or telephone banking (by Faster Payments or CHAPS) at your bank or building society You can pay within 3 days using online or telephone banking (by Bacs) or by cheque through the post.
You contribute back 10 years NI, then you can entitle 10/35 full state pension, eg currently 203 pounds X 10/35 per week you need to think about how much you payback 補交10 年qualified year NI? eg, 10X 1200 pounds? = 12,000 pounds or more? Is it worth to get than 203 pounds X 10/35 per week, unless you think you can reach 100 years old or more. Good Luck!
I still need to pay NI after i reached the State Pension age. However, that NI won't be paid back for me. Only the amount I contributed on or before the state pension age will be paid me back provided that I made up the ten years rule?
@georgeleung8981 Negative. Everyone will not need to pay NI contributions reached retried age. If you hadn't contributed at least 10 years for NI. You can't receive any State Pension when you retire. However, you still have the right to apply Pension Credit (Public Fund) if you have any financial problems. Hope that information can help you.
Hi 謝謝回覆！ 對，state pension 係會當收入一部份，仍會計算在￡12570（2023-2024年度）的免稅額內，假設您拎到Full State Pension 即每年￡10600，您仍有￡12570-￡10600=￡1970 的免稅額可用。 Are all pension payments taxable? The short answer is yes, income from pensions is taxed like any other kind of income.
Sure, you can pay for voluntary ni when you had applied the ni number at the same financial year. (In your case, you can pay for April-July )However, you better to check it out at your gateway acct. www.gov.uk/check-national-insurance-record
You’re eligible for the basic State Pension if you were born before: 6 April 1951 if you’re a man 6 April 1953 if you’re a woman If you were born on or after these dates you must claim the new State Pension they need 30 years in total to qualify for 100% entitlement in basic State Pension. New State Pension: You did not make National Insurance contributions or get National Insurance credits before 6 April 2016 Your State Pension will be calculated entirely under the new State Pension rules. You’ll usually need at least 10 qualifying years on your National Insurance record to get any State Pension. You’ll need 35 qualifying years to get the full new State Pension. You’ll get a proportion of the new State Pension if you have between 10 and 35 qualifying years.
hi, thanks for sharing, very useful. I have 3 simple queries : 1. in contributing NI for just 2 years, if i stop contributing NI (no work) or contribute gap NI credit, i still cannot get the money back when retired ? 2. if pay the gap NI credit up to 10 years (i contributed 2 years NI already), got BC, then if move back to HK after 6 years whether still can enjoy pension when retired ? 3. I contributed NI for 2 years (around GBP650 per month), if i stop working now, my gap NI credit also be calculated based on GBP650 per month ? thanks for assistance.
Thank for queries ! 1. Yes, the min. contributions are 10 years. You still need more 8 years for the state pension. 2. It is a good question I haven't mentioned. You can still get the pension. But you can't get pension increases yearly if you don't live in a European Economic Area (EEA) country or a country which has a social security agreement with the UK. (Hong Kong is not included). 3. Unfortunately, ni contributions only depend on how times you had paid by each week/month. No matter how much you had paid.
@@andyartstudio thanks andy. for query 1 : if i not working, not to pay gap NI credit, can i take back the contributed NI (2 years) from government ? 2. you mean if i contributed 10 years NI, I can get GBP58.24 per week without any increase until the end ? 3. for gap NI, may i know how much i need to pay if i not working now ? (~GBP15.4) per week, 15.4 x 4 = 61.6 per month ?
@chikongalexwu6220 @chikongalexwu6220 You are welcome. 1) Unfortunately not. You can't get back any contributions once you've paid. Because NI payments not only for state pension. 2) Yes, depend on how long you will stay in UK. However, you stay aboard for a long time but back to UK. The increasing will be starting again. 3. Yes, but you are better to login in the HMRC acct for the details every end of financial year. Moreover, you can have your NI contributions through Class 2 or Class 4. I will tell more about it next video .
@@douglaskan i feel sorry about your situation ，但您放心吧，我敢說以現時英國的福利，是絕對可以保障我們有瓦遮頭，三餐溫飽，不必需要太擔心起居生活問題。 我明白到您經歷過不少的人生轉變，的確一點也不容易，如果有心事想分享，我和很多其他香港人也會願意聆聽，還有很多朋友願意陪伴您💪🏻💛
呢個退休金問題， 影響好多新移民。 好多謝Andy你提出并搜集咁多有用嘅資料。 期待你能收到回覆，然後同我哋分享。 感激！ 🙏
對，分享大家會遇到的問題，互相幫助💪🏻謝謝您支持
Thanks for sharing@@andyartstudio
@@tsoeva4953 Thanks for supporting 💛
這是我看過最清楚易明有關退休金的片，簡而清，讚！
過獎🙏🏻多謝您鼓勵💛😊
非常認同！ 多謝Andy細心為我哋搵呢啲重要info.
I am over 60 and may work for a few years there. Its good to have your explanation on these topics for my preparation. Well done.🙂
Thanks so much !
Bear in mind that check in HMRC website for your contribution you had made.💛😉
你D片睇得到你做左好多功課，好有營養，超讚
多謝讚賞💛🙏🏻
換來一對熊貓眼🙈
Thank you for sharing
如果冇留意NI供款原來真係好大件事😰
係，時不時都要留意
解說很清楚和有條理，對本人了解英國退休金制度很有幫助👍🏾👍🏾
感謝支持💛
👍🏻👍🏻👍🏻呢集真係好有用呀，多謝Andy花時間做功課！
謝謝您BT兄💛
同感❤
報導正面資料幫助新移民定居的平台,值得讚！
謝謝支持🙏🏻💛🤗
多謝Andy, 內容十分充實有用，加油！
謝謝支持💛🙏🏻
呢集資訊好有用👍🏻，我都有諗過呢個問題，因為我正正就係要湊小朋友而不能出外工作，加油💪🏻
Hi 謝謝觀看💛🙏🏻下一次我會分析另一個供NI方法俾大家，希望幫到一些現時難於打工的朋友
謝謝Andy 分享， 超詳盡及有用，謝謝👏🏻👏🏻💪🏻💪🏻
感謝支持💛🙏🏻
If u have a property in the UK you can obtain 'Equity Release' or 'Reverse Mortgage' when u are 60 or over. It's an alternative
Thanks for your advice 💛
好有用的資訊分享，非常感謝
多謝支持💛🙏🏻😊
講得好清楚，謝謝，支持你，加油
多謝鼓勵💛🙏🏻😊
非常有用資訊，thank you!
Hi, 謝謝支持🙏🏻💛
勁👍🏻, 有深入研究
謝謝欣賞💛😃
好有用，感謝Andy👍🙏
多謝支持💛🙏🏻
Very useful information! Thank you
You are welcome 💛Thanks for watching
Like左先得閒再睇
內容好長但非常有用，希望唔會悶親您🤣💛
好實用阿 你咁岩講既話題 我都好有興趣了解 之前係youtube有搵過NI資料 冇你講得咁詳細 加油 期待下一集
Excellent topic and thanks for sharing
Thanks for supporting 💛😊
好有用資訊👍👍👍
很高興幫到您
今集好有用，內容很詳細，辛苦哂🙏🏻。不知會否有機會講吓稅制，報稅😝
Thanks Fong Fong長期支持💛
稅務主題對我來說是一個挑戰，我會研究一下，多謝您的意見😊🙏🏻
首先不要用香港那套用於英國。
打工 一 的老板要替員工免費報税及在工資先抽了税给税局，所以每月/星期的工資已完全抽了。税局亦不會通知交入息稅。
自顧人氏 一 每年上綱報税，前提是要向税局登寄(免費)，税局會發个人帳号，自己做一个收支纪錄(保存七年)。稅局收到上報後會告訴應交的入息税和國民保險。
做生意就不用多想 一 會計師。
很簡單和容易，請不要想得太複雜。🤭
有空看看我给你的回應吧
@@meenachiu 謝謝回覆
@@meenachiu 謝謝回覆
好實用! 謝謝!
謝謝支持🙏🏻💛
Thx for sharing and keep fighting 💪 👍
Many Thanks🙏🏻💛
多謝分享
🙏🏻🙏🏻🙏🏻
未供滿10年冇得攞
等于白供
人情上 道理上 應該是proportions
可吾可以搵no win no fee lawyer 傾下 有冇得打
打贏了 lawyer 一舉成名 發達了😂
應該是有很多人參加😂
集體訴訟😂
係，其實本身想係影片提多一件事，假設58歲先黎到UK打工嘅香港人，係冇可能供到10年，而且理論上不可以透過自願供款填補年份（因為機制上冇得追溯返申請NI前的年份），但我send 左email問HMRC，但未有回覆
我今年1月入境當時57，4月生日58，到呢一刻都未搵到嘢做。睇咗條片3次都諗唔通我有冇份同可以點做😢
@@applechan3135 對，年纪大來英，就算供返都不能有退休金？？？
謝謝回覆😀
全部英國人都係跟呢個規則行，冇針對你，更加無需要優惠你，咪再世界自我中心啦，返香港，英國唔啱你！
多謝分享👍🏻
謝謝💛
🎉🎉謝謝你🎉
You're welcome💛🙏🏻
Thx for your sharing 🎉
You are welcome, thanks for watching it
期待下一集
多謝支持💛😊
I still need to pay NI after i reached the State Pension age(66,67,68) However, that NI won't be paid back for me. Only the amount I contributed on or before the state pension age will be paid me back provided that I made up the ten years rule?
You no need to pay any NI contributions after you reach the retried age. Unfortunately, there is nothing be paying back for you either state pension or any contributions you had paid before...
However, you should find HMRC for advice in your case.
Very useful, thank you
You're welcome.😊
Very clear. Subscribed
Thanks💛😊
請問在英國工作學習5年，工作收入沒達到交NI水平，6 5歲退休後有国家退休金嗎？
謝謝你影片！請問一下，我上年11月到埗後至今未有工作，今個財務年度不打算找工作，那麼我24/25年度仍可以自願性供款以儲pension credit嗎？ 謝謝你🙏🏼
Hi， 可以的，但大前題您要係該財政年度申請左NI no.，class 3俾錢就可以，但如果係class 2就要多一些準備，希望您一切順利💪🏻
麻煩可唔可以講下NI點樣自願供款？那裡補？補足年份能拿養老金。
是咁的，您需要到HMRC網站申請Acct（影片內有講解），登入後您會看到自己過往財政年度的contributions，假設有欠缺部份，可以立即透過網上過數方式付費，但溫馨提示一下，自願供款要因認每個人情況而定，未必一定需要供
謝謝安廸的詳細解釋, 但我仍然有數點不解, 希望指教, 本人受僱海外公司, 通過self-assessment報稅, 由於是part-time, 收入稍高於240鎊, 發覺出現2年gap year, 需要支付800鎊自願供款, 如此, 我是否每年都需要自願供款至退休才可領取State Pension? 另外, 我收入只靠糊口, 僅達納稅水平, 為何仍有GAP YEAR? 為何您指收三年STATE PENSION就可抵消800幾鎊供款, 如果每年交自願供款, 交5年, 不是要收15年Pension才可抵消? 謝謝解答.
Hi 謝謝留言，
首先，您所填報的self-assessment 是否以自僱身份？240鎊是否每星期的收入？若是我的描述正確，您所填報的每年利潤收入理應between £6,725 and £11,908 (扣減了一些expenses)，因此可以不用供款而當作已供NI class 2。
另外，以2023年能在每星期能領取的pension去計：
£203.85/35=￡5.82(每1點NI的價值 )
然後再用￡5.82 x 52=￡303 (每年多領的pension)
如果您曾以～£800作自願供款，
￡800/£303=2.6年（我所指的抵銷年份），其後每增加一個NI的計法如是，希望幫到您💛
我是受僱香港一家公司, 不過只是兼差事, 每月獲950至1000鎊(即每週240-250鎊), 因為他們為我報稅(香港), 那應該不算自僱. 是否為海外公司工作, 就作為self-employed, 供NI Class 2? 謝謝@@andyartstudio
現在他們說過去兩年沒有完成(year is not full), 需要我在2028年和2029年前交付~800鎊完成, 我關注的是在未來每一年(如果工作性質和收入不變)都要交這個short-fall才可滿足退休領取NI資格, 那我是要活至佰歲才抵數? 那麼又如何申報才可支付較少供款? 謝謝@@andyartstudio
Thanks for sharing
Thanks for watching💛
請問什麼人有資格有pension credit?
請問，如果我在62歲在英國開始工作，到我退休年齡、只能夠工作5年，在這情況之下，是否可以申請state Pension. 假如可以，用什麼方法補救！
Hi Andy，我有類似問題，如果十年計，但頭一年沒有工作，所以無供NI，之後工作供了8年，是否可以在頭六年內供返第一年，和最後供返第十年，都符合攞最低state pension條件呢？謝謝
您這個也是我關注的問題，我亦己去信問HMRC，但未有回覆。照我現時了解的情況，假設您在62歲才申請NI，理論上係不能夠以自願方式填補未申請NI的年期（即是57-62歲的六年期間），因為英國人很少機會咁遲先申請NI，但我相信未必冇彎轉，希望HMRC有好消息俾到您💛（另外，延遲拎state pension亦可能係其中一個方法，但我都要向HMRC查詢才有真正答案）
您這個也是我關注的問題，我亦己去信問HMRC，但未有回覆。照我現時了解的情況，假設您在58歲才申請NI，59歲才工作，雖然您可以補返至少一年NI contributions （再早多5年前有機會因為您當時未申請NI而無法填補）但總數仍然只得9年，不合乎領取state pension 資格，因為英國人很少機會咁遲先申請NI，但我相信未必冇彎轉，希望HMRC有好消息俾到您💛（另外，延遲拎state pension亦可能係其中一個方法，但我都要向HMRC查詢才有真正答案）
多謝你的回复，如果我57歲已經申請了NI number，只是一直沒有工作及供NI，直到59歲先開始供，情況會一樣嗎？
@@waisb6249 您這個情況會唔同，因為您申請NI後兩年冇工作，係會紀錄為gap years，建議您去HMRC網站睇一睇，您有條件達到十年基本state pension
查閱NI供款紀錄：
www.gov.uk/check-national-insurance-record
請教：2022年10月到英國，約9個月後申請了NI number ，現在才明白供款的重要，但至今仍失業，也努搵工及進修中，想以自顧身份供NI contribution，請問供款可追溯至backdate 到什麼日子？是初來步到的日子嗎？是申請到NI的日子嗎？是在香港還年青時就取得BNO passport的日子嗎？我睇過網上好多資料，但應該都只適用於本地英國人的供款計算，我估係咪計有咗在英國工作的資格的那天開始計（即係入境那天開始可以backdate)？衷心謝謝回覆。
對，難於追溯返註冊NI前的時間，但我仍建議您嘗試聯絡HMRC 了解一下
謝謝資訊, 題外話, 如果我只係供左幾年, 仲未夠十年就唔供NI, 睇黎唔可以自願供款增加自己Pension credit, 對嗎?
謝謝留言💛
在您問題中應該是指State Pension內的credit，並不是Pension Credit 。如果NI自願供款for state pension是可以追溯返以往6年內的gap year 指定金額，可以去check-ni-contribition 政府網站就check得到。但先賣個關子，下一集會教大家不需要昂貴的gap year 指定金額就可以供到ni，密切留意
睇嚟英國福利好過香港。
超有用
謝謝支持💛🙏🏻
Hi, If I want to fill the gap of NI contribution. Can I pay by cheque directly to MHRC
Yes, you can.
How long it takes
You can make same or next day payments:
by approving a payment through your online bank account
by online or telephone banking (by Faster Payments or CHAPS)
at your bank or building society
You can pay within 3 days using online or telephone banking (by Bacs) or by cheque through the post.
等你part2
好快喇，剪片中😆
多謝Andy 有用資訊，是否剛到埗第一年，也可以補交880磅去換取1個NI credit 呢？
謝謝留言！理論上要申請NI起計，即是不能追溯申請NI前的日子，但有一些朋友58歲甚至更年長的才來到英國工作，難於達至最少十年NI contributions 的要求，因此我都已去信HMRC查詢如有以上情況可否有其他處理方式。希望以上信息幫到您💛
@@andyartstudio 多謝Andy c兄回覆，咁即系申請ni 後再安比例補錢去換取剛到埗之空窗期，直至有工返，正確嗎？
即是如收入介乎門檻及LEL之間 就無需補水亦當供左, 對嗎?
對! 週薪介乎￡123 (LEL)~ £242 就不用供也當供左
@@andyartstudio 明白,Anyway未有我份
但希望下年轉工無鏠連接
期待下集
我想請考一下，我今年62 歲到英國，退休冇工作，如果在67 歲在法定退休年齡攞到或補交10 年qualified year NI ，到67後，攞到state pension? 🙏🙏
呢點我研究左好耐，都未有真正答案，因為英國很少人在六十幾歲才申請NI。而我認為很難填補返未申請NI前嘅日子，但我可以嘗試問下HMRC，給我一點時間
謝謝，🙏🙏
You contribute back 10 years NI, then you can entitle 10/35 full state pension, eg currently 203 pounds X 10/35 per week
you need to think about how much you payback 補交10 年qualified year NI? eg, 10X 1200 pounds? = 12,000 pounds or more? Is it worth to get than 203 pounds X 10/35 per week, unless you think you can reach 100 years old or more.
Good Luck!
如果是BNO就不可能，但如 來英是已是英籍 British citizenship 。但同時在港工作有沒申報交税呢？
返香港，英國政府好窮！
請問我做permanent part-time，每日五小時，每月有供pension，但每月冇扣NI，做滿10以上，甘退休係咪每個月都有state pension？🙏🙏
Hi, 謝謝留言！
您可否告訴我您每星期或每月的收入嗎？
假設您每星期不止返一日工，
可能已經有NI Contribution
您好，我想了解公司每月供Pension金額一般是否是 3% 呢？我也聽過某些公司供的PENSION多過 3%，這樣當達到退休年齡，是否可以取回多些PENSION呢？或仍然按照RULE 每週取回相關PENSION？點解某些公司會提供更多的PENSION呢？而自己增加每月供PENSION是否有著數呢？請指教
一般來說，您需要等到 55 歲才能領取私人退休金（從 2028 年 4 月起增加至 57 歲) 。根據法律，私人退休金供款至少為員工收入的 8%，作為僱主必須支付至少 3%，員工就是5％，當然僱主亦可以多供一些。
另外，當到達以上提及的退休年齡，您可以即時全數取回，但需要支付很多的稅項（因為會當作入息一部份），亦可以慢慢取回部份免除課稅。
至於多供款的選擇屬見仁見智，但我會傾向選擇作其他投資。以上內容均屬參考，希望幫到您。
在影片中說收入在£123-£242(每周)，在不供NI的情況下仍當作已供款，想請問是否需要在NI系統中申請，還是自動在系統中顯示？
Hi, 如果係打工出糧，即係經PAYE系統，就會自動幫您紀錄，但謹記都要上HMRC睇返有冇record為準，如果您係自僱人士就睇另一集影片就會講到👍🏻
I will move to Uk at 65. Anybody can tell what can I do re NI, NI credit?
How many years of Ni I need to make voluntary contribution & how much?
Hi, you still need to pay for the NI when you work. However, the State pension would not be pay back for you when retried.
I still need to pay NI after i reached the State Pension age. However, that NI won't be paid back for me. Only the amount I contributed on or before the state pension age will be paid me back provided that I made up the ten years rule?
@georgeleung8981 Negative. Everyone will not need to pay NI contributions reached retried age. If you hadn't contributed at least 10 years for NI. You can't receive any State Pension when you retire. However, you still have the right to apply Pension Credit (Public Fund) if you have any financial problems. Hope that information can help you.
我已供左5年NI
Nice💛
吓,state pension 都要交稅？定計稅？唔係好明,麻煩回覆,謝謝
Hi 謝謝回覆！
對，state pension 係會當收入一部份，仍會計算在￡12570（2023-2024年度）的免稅額內，假設您拎到Full State Pension 即每年￡10600，您仍有￡12570-￡10600=￡1970 的免稅額可用。
Are all pension payments taxable?
The short answer is yes, income from pensions is taxed like any other kind of income.
你好，你的影片非常簡易明白。想問問，我來英國剛一年多，未找到工作，但有一個單位每月收取800鎊作生活費，如果要交稅，這收入可否列作NI Credit呢？謝謝。
Hi 謝謝支持！
您陳述的情況，我認為未能達到自己營運的水平，只能當作投資收入。詳情請看看以下網站解說，十分詳細：
www.property-tax-portal.co.uk/do-landlords-need-to-pay-class-2-nics.shtml
建議您用其他自僱形式，達到能供款NI class2
好的，謝謝你。
如果我現在去67歲，只可以供19年，是否只可以取10%, 可以自願供款一年合共 20年可以取到20%
您好，並不是以百份比計算的，當只要您供款超過10年，就可以用全額pension金額除35再乘您所供的年份。
我2021至2022一年差165磅夠full cried ，在邊度可以交錢🙏🙏
查閱NI供款紀錄：
www.gov.uk/check-national-insurance-record
係到check左後，有得選擇付款方式
請問你果個個IT course 可以當供左NI, 係咩黎, 點操作?
Hi，這是一個為失業人士準備的課程，類似香港的ERB，報讀時都要提供Ni number ，但不是任何課程也可以這樣操作
Andy,你嘅分享真係好有用，多謝你！我去到government gateway入面，user ID係咪NI number。我有NI number，但冇工作
Hi 您好，謝謝支持！
登入Gateway acct. 並不是用NI no.
而是一組12個位的數字，
就算冇工作都可以申請gateway acct.
睇到自己的NI記錄💛💪🏻
@@andyartstudio thank you.
想請教我22年4月到英國，已經57歲有申請NI,沒有工作，有租金同利息收入，可以當self employed 嗎？如果唔可以的話，又可唔可以比番10年錢去附合將以領取state pension?
@@wafflecat8125 Hi,您4月來到會比較尷尬，如果係4月6日或之前申請左NI no.仍可以追溯返上一個財政年度的gap year，您可以登入acct睇睇，以您現時年齡可以供到11-12年。
另外，收租及股息收入某程度來說只當作「投資收入」，不能當作自僱的「利潤收入」，但當然不可以一概而論，例如您有經營一間房產公司管理出租物業，就會視為一種工作，而事實上有好多人會咁做，但詳細嘅操作真係要再請教專業人士。如果真係想有自僱身份，不妨好似我係影片中所講搵啲「生意仔」搞下就最直接了。
hi, if i arrived uk in jul 2021 and start working in uk, can i contribute NI gap before jul 2021 in order to earn pension credit ?
Sure, you can pay for voluntary ni when you had applied the ni number at the same financial year. (In your case, you can pay for April-July )However, you better to check it out at your gateway acct.
www.gov.uk/check-national-insurance-record
請問：我週薪二百已一年。但NI contribution 顯示 我上年無供NI
請問我怎樣才知道 呢一年有無Nl credit 謝謝
Hi, 先要了解一下您公司有冇透過PAYE System 出糧俾您?
另外，查閱NI供款紀錄：
www.gov.uk/check-national-insurance-record
＊需要先申請acct.
我６５歲去到都做唔到幾多年嘢，-定攞唔到所謂credit，就箅他朝我攞到永居，咁我仲會唔會有pension可以申請呢？😊
要視乎您有多少資產，通過入息及資產審查後，您仍有條件領取接近Full Pension 金額的「長者生活津貼」。
仲唔比我捉到你，入來英國攞福利，返香港攞高齡津貼啦，英國政府好窮呀！
想請問有份part time週薪低過下限£123，即話是否不用供ni? 但見佢個post寫住offer有pension scheme, 甘即係點呢？唔該哂
謝謝留言！
對，低過￡123係不能供ni class 1，您所講的pension scheme係私人pension, 大多數公司都係您供人工5%，公司就會幫您3%。如果想供返政府嘅NI for state pension ，就一定要合乎我在影片中的條件。
You’re eligible for the basic State Pension if you were born before:
6 April 1951 if you’re a man
6 April 1953 if you’re a woman
If you were born on or after these dates you must claim the new State Pension
they need 30 years in total to qualify for 100% entitlement in basic State Pension.
New State Pension:
You did not make National Insurance contributions or get National Insurance credits before 6 April 2016
Your State Pension will be calculated entirely under the new State Pension rules.
You’ll usually need at least 10 qualifying years on your National Insurance record to get any State Pension.
You’ll need 35 qualifying years to get the full new State Pension.
You’ll get a proportion of the new State Pension if you have between 10 and 35 qualifying years.
Thanks for sharing
首先要等到政府announces 左BNO visa攞ILR 有咩條件再講！,
多謝分享
咁請問供多少NI為一個credit ? 每個人供多少NI 都唔同，咁點計🤔🤔
無論供多供少或是無任何供款，仍有條件每年計算一個NI contributions，簡單說不需理會多少錢，只要有供就計算
hi, thanks for sharing, very useful. I have 3 simple queries : 1. in contributing NI for just 2 years, if i stop contributing NI (no work) or contribute gap NI credit, i still cannot get the money back when retired ? 2. if pay the gap NI credit up to 10 years (i contributed 2 years NI already), got BC, then if move back to HK after 6 years whether still can enjoy pension when retired ? 3. I contributed NI for 2 years (around GBP650 per month), if i stop working now, my gap NI credit also be calculated based on GBP650 per month ? thanks for assistance.
Thank for queries !
1. Yes, the min. contributions are 10 years. You still need more 8 years for the state pension.
2. It is a good question I haven't mentioned. You can still get the pension. But you can't get pension increases yearly if you don't live in a European Economic Area (EEA) country or a country which has a social security agreement with the UK. (Hong Kong is not included).
3. Unfortunately, ni contributions only depend on how times you had paid by each week/month. No matter how much you had paid.
@@andyartstudio thanks andy. for query 1 : if i not working, not to pay gap NI credit, can i take back the contributed NI (2 years) from government ? 2. you mean if i contributed 10 years NI, I can get GBP58.24 per week without any increase until the end ? 3. for gap NI, may i know how much i need to pay if i not working now ? (~GBP15.4) per week, 15.4 x 4 = 61.6 per month ?
@chikongalexwu6220
@chikongalexwu6220 You are welcome.
1) Unfortunately not. You can't get back any contributions once you've paid. Because NI payments not only for state pension.
2) Yes, depend on how long you will stay in UK. However, you stay aboard for a long time but back to UK. The increasing will be starting again.
3. Yes, but you are better to login in the HMRC acct for the details every end of financial year. Moreover, you can have your NI contributions through Class 2 or Class 4. I will tell more about it next video .
@@andyartstudio sorry last query, the retirement age is age 65 ?
請問如BNO 人仕小朋友under 12,係咪唔可以攞NI credit?係要有child benefit 人仕可apply?
hi andy, you mentioned you attended free IT course, can you share me the details ? thank you.
aim2learn.org/
我之前係Facebook 無意中見到，係有Funding 嘅course，類似香港嘅ERB（我報左It telecom level 2 course）主要係for失業人士，而且我問過呢間機構BNO Visa都可以讀
@@andyartstudio very useful, if you found any free courses feel free to share me also.
@@chikongalexwu6220 okok no problem
@@andyartstudio好多謝你嘅有用資訊 但係我入去睇過似乎對我嚟講太深。
請問點知道讀咩課程先至可以合資格？
Go Learn 可以嗎？
@@kandan-st8yg 很難給您詳盡資訊，每個課程都有機會，可以留意一下可以申請豁免學費的課程
供了15年NI，但5+1（6.5年）未考到入籍試（BC），等到67歲（可能不用考，就會可能俾你BC）。
如果等到67歲政府(BC)都吾你，咁NI，D$，點算呀！！
謝謝！
照英國政府網站所述，不論是否有永居或入籍身份，只要達到NI contributions 要求，即可在退休領取state pension
大前提下大家有沒有交過英國税呢？安迪你明白嗎？這是首要，而達不到的話就不要多想😊
多謝意見
@@andyartstudio 這是条件不是意見，是事實。
@@meenachiu 知道，謝謝
大前提係 你識唔識字？ 你明白嗎？這是必須，而聽唔明就不用多想😊
請問我嚟咗英國20幾年近一兩年，因為患有精神病不能工作而攞緊福利維持生活，咁到咗退休年期嘅時候是否可以有pension 呢？
您好，首先希望您身體健康！
如果您一直有拎緊Public Funding 已經會幫您自動產生NI credit。
但一切以您Acct 紀錄為準：
www.gov.uk/check-national-insurance-record
您去上面網站check下先💛💪🏻👍🏻
先多謝你的問候，10分感恩你的回覆，我嚟咗英國20幾年，由一四年開始，我香港的親人逐一逐一的離開世上，現在只剩返我一個，近排這兩年又患上抑鬱症和燥鬱症，情緒折磨得我太緊要，所以沒辦法工作，但剛剛睇到你的視頻，我就擔心了，我這兩年或者之後都可能不能工作，那麼到退休年齡的時候會唔會我什麼都沒有呢？這是我擔心的。
如果退休年齡之後到時什麼錢都沒有咁就真係會餓死了
所以我得到精神病之後，其實10分沮喪
@@douglaskan i feel sorry about your situation ，但您放心吧，我敢說以現時英國的福利，是絕對可以保障我們有瓦遮頭，三餐溫飽，不必需要太擔心起居生活問題。
我明白到您經歷過不少的人生轉變，的確一點也不容易，如果有心事想分享，我和很多其他香港人也會願意聆聽，還有很多朋友願意陪伴您💪🏻💛
想請問下 如果我只供NI 而opt out Pension得唔得呢？
Hi , 您意思是指公司的私人Pension嗎？如果是就隨時可以opt out。但如果您是指state pension，您供NI時係會自動累積contributions ，直到退休年齡時都要自己申請領取的，希望幫到您
@@andyartstudio 謝謝你回覆呀 其實state pension同我自己供嘅pension有咩分別(state pension係咪等於NI呀 ，NI 我有供）
Pension應該係公司又供 我又供個種 ?因為我聽啲local 同事會opt out 多返幾十磅用
我就唔知bno visa 嚟 但又唔供pension會唔會有咩影響
@@gungun1126 對，您說得沒錯，供NI的那份錢係for退休時的State Pension，是必須要供的。您同事所說的可以opt out的相信就是private Pension。但老實說我認為供private Pension 是利多於弊，但當然一切都因應個人想法
@@andyartstudio 多謝你 明白了；）
@@gungun1126 you are welcome 😃
我58歲做到67歲，供左9年NI，呢9年都係白供？
其實NI供款唔只係for state pension ，亦包含其他社會福利，但假設如您所說情況，58歲才開始有NI contributions ，的確未能達到最少十年contributions 門檻，我會係隨後影片講解更多
you can continue to contribute 1 more year at 67-68, no problem
請問如果供了二十年，未到退休年就去世，退休金是否當是自己的遺產？
Hi, 如果您是說state pension 的話，很可惜地如果在67歲前去世，你並不能領取到任何退休金，也不能轉變成遺產。
唔好意思，請問媽咪過咗63歲才到英國，5+1年後她是否真的沒資格取pension credit 呢？
Hi 謝謝留言！任何已得到永居權或入籍的人士都有資格領取Pension Credit（留意並不是State Pension ），但必須要做入息及資產審查，建議可以到官網睇睇審查內容，盡早打算一下💛
如果人不在英國，可否領取 pension credit 呢？？？🙏🙏😅
@@vivianrestworldvivianrestw1019 您好，是有時間限制的，如果您離開英國超過4星期就會被停止支付pension credit，如因醫療理由就可以有半年時間
@@andyartstudio咁下個月又再返嚟可以重新再攞過定係停咗就以後都冇？
@@andyartstudio你好我入咗官網度睇咗一輪但吾見有資產限額資料，可能我唔識搵
講埋美國就好啦！因我住在美國🇺🇸
🤣🤣🤣
2024年 ni由12 ％去到10 ％😁
對，輕輕計過，如果打份最低工資12小時工廠工，都會每日慳返1鎊😆
可否下次收音大聲一些！
OKOK, 留意一下💛👌🏻
請麻煩繼續大力宣傳， 然後就有會一大班冗員 出現喺英國勞工市場， 做有36唔做又36， 等咬長糧， 這就是英國的未來
假設您是說香港人會這樣做，抱歉不能認同，但我只認為一般local英國人會有您這樣的說法，因為這些資訊並不是秘密
英國退休?diff.on party who on will change by party退休 no problem in英國
英國由始至終都冇想過比永居你哋，比你哋入來住係叫你哋供NI, 到申請永居時一定會留難你哋踢你哋走，唔會攞到 state pension. 你仲話攞唔到福利唔公平，無啦啦比你入來住就真係唔公平啦！
多謝意見
英國每一個殖民地都會通過公投決定前途，佢未經港人同意就將香港交給港共，依家终共公然違反中英聯合聲明，bno visa 係作出補償而已，港人成為公民後得到福利係正常架。。。
@@fff7084 Well said👍🏻
如果退休前已過身，是否已供的NI能否留給指定繼承者？
@@cooljoe7hk 有條件地由法定伴侶承繼，詳情如下：
www.gov.uk/new-state-pension/inheriting-or-increasing-state-pension-from-a-spouse-or-civil-partner
🫡👍👍👍👍
🫡
真係唔好話大陸人只識來香港攞福利 !
谢谢，涨知识， Andy Art Studio。 Andy 有微信群吗？
謝謝支持🙏🏻但抱歉未有安裝微信