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auswandern-chile-voraussetzungen
Emigrating Chile as a Pensioner: Your Worry-Free Retirement in South America
Chile attracts with its mild climate, low cost of living, and attractive tax benefits for retirees. But how can emigration be seamless? GoMovin supports you every step of the way – from visa application to house hunting. Learn more about our comprehensive services on our contact page and start your new life with ease!
The topic short and concise
Chile attracts with its mild climate, low cost of living, and attractive tax benefits for retirees. But how can emigration be seamless? GoMovin supports you every step of the way – from visa application to house hunting. Learn more about our comprehensive services on our contact page and start your new life with ease!
Chile attracts with its mild climate, low cost of living, and attractive tax benefits for retirees. But how can emigration be seamless? GoMovin supports you every step of the way – from visa application to house hunting. Learn more about our comprehensive services on our contact page and start your new life with ease!
Chile attracts with its mild climate, low cost of living, and attractive tax benefits for retirees. But how can emigration be seamless? GoMovin supports you every step of the way – from visa application to house hunting. Learn more about our comprehensive services on our contact page and start your new life with ease!
Dreaming of a relaxed retirement in Chile? Discover everything about visas, taxes, cost of living, and how GoMovin can assist you with relocation.
Do you dream of a relaxing retirement in South America? Chile offers German retirees a variety of benefits, from attractive tax advantages to a high quality of life. Discover why Chile is becoming an increasingly popular retirement destination and how you can plan your move effectively. GoMovin helps make your dream of emigrating to Chile as a retiree a reality.
Overview of the benefits of moving to Chile as a retiree
Attractive tax advantages
Chile entices with potential 0% tax on foreign income for up to 6 years. New arrivals benefit from a tax exemption on foreign income for the first 3 years, with a possible extension for another 3 years. These regulations make Chile particularly attractive for retirees who wish to receive their pension abroad. However, it is important to thoroughly inform yourself in advance about the exact conditions and, if necessary, seek tax advice.
Pleasant climate and quality of life
The diverse geography of Chile provides different climate zones and natural beauty. From the dry Atacama Desert in the north to the snow-capped Andes in the south, Chile offers something for every taste. Numerous recreational activities such as hiking, skiing, or water sports make life in Chile varied and interesting. The political stability and security also contribute to the high quality of life.
Lower cost of living
Compared to Germany, the cost of living in Chile is significantly lower. Rent, energy, insurance, and basic foodstuffs are often cheaper. With a German pension of 2000 euros, it is possible to live well in Chile. This allows retirees to maintain or even improve their standard of living. It is advisable to gain an overview of current prices and create a budget before moving.
Political stability and security
Chile is considered one of the safest countries in South America. This is an important factor for many retirees who wish to enjoy a peaceful and worry-free retirement. The political stability helps expatriates settle in quickly and feel at ease. Nonetheless, it is advisable to stay informed about the security situation in various regions of Chile and take appropriate precautions.
Optimise taxes: How to benefit from Chile's territorial taxation
Chile offers interesting tax opportunities for retirees, particularly through the principle of territorial taxation. This principle and the avoidance of the so-called "Boris Becker trap" are crucial to maximise financial benefits. Let us examine the details of how you can optimise your taxes and enjoy your retirement in Chile without worry.
Territorial Taxation and its Advantages
Principle of Territorial Taxation
The principle of territorial taxation means that in Chile, only income generated within the country is taxed. Foreign income, such as pensions from Germany, can be tax-free under certain conditions. This is a major advantage for retirees looking to spend their golden years in Chile. However, it is important to understand the exact conditions and requirements to benefit from this regulation. Professional advice is recommended. Find more information about territorial taxation in Chile here.
Avoidance of the "Boris Becker Trap"
To fully exploit the tax advantages of territorial taxation in Chile, it is essential to establish a genuine main residence in Chile. The so-called "Boris Becker trap" describes the scenario where a residence is seemingly relocated just to save taxes. This can lead to significant problems with tax authorities. Therefore, it is advisable to settle permanently in Chile and engage actively in local life. This includes, for example, participating in social life and integrating into the local community.
Income Requirements and Pension Taxation
Private Visa
For the Private Visa, specifically designed for retirees and pensioners, you must demonstrate a monthly income of approximately €1,000-1,400 for the applicant and an additional €500 per family member. This visa allows you to stay in Chile indefinitely without having to be employed. It is important to prepare the income proofs carefully and submit the application in a timely manner. Find further details about the Private Visa here.
Double Taxation Agreement
Chile does not have a double taxation agreement with Germany, but it does with the USA and Switzerland. This means that your pension may be taxed in both Germany and Chile. Therefore, it is advisable to inform yourself in advance about the tax implications and to seek professional advice if necessary. However, the agreements with the USA and Switzerland can be advantageous for individuals with income from those countries.
Pension Payments and Certificate of Life
Direct Payments
Your pension can be transferred to a bank account worldwide, with you bearing the fees. It is important to inquire in advance with the German pension insurance about the available options and the applicable fees. A direct payment to a Chilean bank account is usually the simplest and most cost-effective solution. Ensure you open an account with a bank capable of handling international transfers smoothly. Find more information about pension payments abroad on the German pension insurance website.
Annual Certificate of Life
If there is no exchange of death data between Germany and Chile, you must submit an annual certificate of life. This certificate serves as proof that you are still alive and remain entitled to your pension. The certificate of life must be certified by an official body, such as a Chilean authority or a notary. It is advisable to arrange for the issuance of the certificate of life in a timely manner to avoid delays in pension payments.
Visum sichern: So erhalten Sie Ihre Aufenthaltsgenehmigung in Chile
To enjoy your retirement in Chile, you will need the appropriate visa and a residence permit. Chile offers specific visa options for retirees, allowing you to live in the country permanently. Careful preparation of documents is essential. We will guide you through the steps you need to take to secure your visa and obtain your residence permit.
Specific Visa Options for Retirees
Retiree Visa for People Over 55
Chile offers a special visa for retirees over 55 years old, requiring a minimum pension of 1,000 USD per month. Additionally, you must provide proof of income, health insurance, and a clean criminal record. This visa allows you to live in Chile without needing to engage in employment. It is important to carefully check the requirements and obtain the necessary documents in a timely manner. Find all the details about the retiree visa here.
Private Visa
The private visa is another option for retirees looking to relocate to Chile. This visa is initially valid for one year but can be easily extended. After 12 months with a temporary residence permit, you can apply for a permanent residence permit. The private visa requires proof of a monthly income sufficient to support your living costs in Chile. It is advisable to familiarize yourself with the exact income requirements in advance and prepare the necessary proof.
Required Documents and Preparation
Careful Preparation of Documents
The preparation of documents for the visa application requires utmost care. The Chilean authorities place great emphasis on accuracy and completeness. All documents must be translated and certified as necessary. It is advisable to create a checklist in advance and obtain all required documents in a timely manner. Professional advice can help you avoid mistakes and expedite the application process. Our checklist for emigrating to Chile will assist you.
Police Clearance Certificate
A police clearance certificate is a mandatory component of the visa application. The clearance certificate must not be older than 90 days at the time of application and must be translated and apostilled. The apostille confirms the authenticity of the signature and seal on the document. It is important to apply for the clearance certificate in good time and initiate all necessary steps for translation and apostillation.
Securing Health: How Health Insurance Works in Chile
An important aspect of planning your retirement in Chile is health insurance and healthcare. Chile has an efficient healthcare system that offers both private and state options. It's important to research the various options in advance and take out health insurance that meets your needs. We provide an overview of the Chilean healthcare system and show you how to secure your health.
Efficient Healthcare System
Options for Private and State Health Insurance
In Chile, you have the choice between private and state health insurance. Private insurance is available up to a certain age and generally offers more comprehensive coverage. State insurance is available to all retirees for a fixed monthly fee (under 30 euros). It is advisable to research the different offers in advance and choose insurance that suits your individual needs. GoMovin will be happy to advise you on selecting the right health insurance.
Supplementary Private Insurance
In the early years of your stay in Chile, German long-term travel health insurance can be a useful supplement. This insurance provides protection in the event of illness and also covers costs for repatriation to Germany. However, it is important to carefully check the insurance conditions and ensure that the insurance is valid in Chile. A long-term solution, however, is Chilean health insurance.
Minimum Coverage Amount
Health Insurance with a Minimum Coverage of 30,000 USD
A health insurance policy with a minimum coverage of 30,000 USD is required for visa application. The policy must cover emergency and repatriation costs. It is important to choose insurance that meets these requirements and provides you with comprehensive coverage in an emergency. Make sure that the insurance policy is in Spanish or accompanied by a certified translation.
Living cheaply: How to organise your daily life in Chile
The cost of living in Chile is generally lower than in Germany, which allows retirees to manage their daily lives cheaply. In particular, rents can be significantly more affordable. There are also popular regions for German expats that offer good infrastructure and a pleasant climate. We show you how to organise your daily life in Chile and benefit from the affordable cost of living.
Comparison of Cost of Living with Germany
Lower Cost of Living
The cost of living in Chile is on average lower than in Germany. A single person requires about €1000 per month, compared to €1670 in Germany. This enables retirees to maintain or even improve their standard of living. However, it is important to compare prices in the different regions of Chile, as there may be regional differences. Find out here how you can live cheaply in Chile.
More Affordable Rents
Rents in Chile can be about 50% cheaper than in Germany. This is a major advantage for retirees looking to rent a flat or house. However, rental prices vary depending on the region and location. In urban areas, rents are generally higher than in rural areas. It is advisable to inform yourself in advance about rental prices in the various regions and choose a flat or house that suits your needs and budget.
Popular Regions for German Expats
Araucanía, Los Ríos and Los Lagos
The regions of Araucanía, Los Ríos, and Los Lagos have a long history of German immigration. Here, you will find good infrastructure, a pleasant climate, and a high quality of life. Many Germans have settled in these regions and formed a community. This makes it easier for newcomers to settle in and make connections. There are also numerous German clubs and organisations that offer support and advice.
Mastering Integration: How to Achieve Cultural Adaptation in Chile
Integration into a new culture is an important step when emigrating to Chile. Learning the Spanish language and adapting to Chilean culture are crucial for settling in successfully. German immigrants are viewed positively in Chile, which facilitates integration. We offer you tips on how to master cultural adaptation and feel at home in Chile quickly.
Language and Cultural Adaptation
Learning the Spanish Language
Basic knowledge of Spanish is highly recommended to navigate Chile and participate in social life. There are numerous language courses and learning materials that can help you learn Spanish. Engaging with locals and participating in cultural events can also help you improve your language skills. Don't hesitate to make mistakes and communicate actively. GoMovin offers you a special cultural training to optimally prepare you for life in Chile.
Acceptance of German Immigrants
Positive Perception of Germans
Germans are viewed positively in Chile due to their reliability and good education. This makes it easier for German immigrants to make contacts and integrate into society. Chilean culture is open and hospitable, making it easy for newcomers to feel welcome. However, it is important to respect the cultural differences and adapt to local customs.
Planning Your Move: How to Organise Your Start in Chile
A well-planned move is crucial for a successful start in Chile. Early planning with detailed checklists helps you keep track and ensures nothing is forgotten. Choosing an experienced moving company familiar with Chile's specific customs regulations is also important. We offer tips on how to optimally plan and organise your move.
Planning the Move
Early Planning with Detailed Checklists
Early planning with detailed checklists is essential to cover all aspects of your move. This includes visa requirements, customs regulations, finding a suitable apartment or house, and organising the transport of your belongings. It is advisable to create a schedule in advance and complete all tasks on time. Here you will find valuable tips for planning your move to Chile.
Choosing an Experienced Moving Company
International Freight Forwarding
Choosing an experienced moving company familiar with Chile's specific customs regulations is crucial for a smooth move. Ensure the company has a valid licence and insurance. It is also advisable to obtain references and read reviews from other customers. A professional moving company can assist you with all aspects of your move, from packing your belongings to customs clearance. GoMovin supports you in choosing the right moving company.
Secure Your Pension: How Social Security Works in Chile
The regulations for people working in both countries are outlined in the social security agreement between Germany and Chile. It is important to inform yourself in advance about the impact on your pension and social security benefits. The German pension insurance provides key information for pensioners emigrating to Chile. We offer you an overview of social security in Chile and show you how to secure your pension.
Social Security Agreement between Germany and Chile
Regulations for individuals working in both countries
The social security agreement between Germany and Chile governs the social security rights of individuals working in both countries. It ensures that your social security claims are preserved, even if you live and work in Chile. It is important to understand the specific terms of the agreement and seek professional advice if necessary. Find the social security agreement between Germany and Chile here.
Information from the German Pension Insurance
Key information for pensioners emigrating to Chile
The German pension insurance provides important information for pensioners emigrating to Chile. It is important to be informed about the impact on your pension and social security benefits. The pension insurance can advise you on how your pension is taxed in Chile and which formalities you need to follow. It is advisable to contact the pension insurance in good time before your move to clarify any questions. Further information for pensioners wishing to emigrate can be found here.
Successful emigration: Plan your retirement in Chile now
Chile offers German retirees attractive tax advantages, a high quality of life, and comparatively low living costs. However, careful planning, preparation, and integration are crucial for a successful move abroad. Consider visa requirements, financial aspects, and cultural differences to realise your dream of retirement in Chile. With the right preparation and support, you can fully enjoy your golden years.
Summary of Advantages and Challenges
Chile as an Attractive Destination for German Retirees
Chile is an attractive destination for German retirees looking to benefit from tax advantages, high quality of life, and low costs of living. The country offers diverse landscapes, a pleasant climate, and a stable political environment. It is important, however, to thoroughly inform yourself about the various aspects of emigration in advance and prepare accordingly.
Important Aspects for a Successful Migration
Careful Planning, Preparation, and Integration
Careful planning, preparation, and integration are crucial for a successful emigration to Chile. Consider the visa requirements, financial aspects, and cultural differences to realise your dream of retirement in Chile. With the right preparation and support, you can fully enjoy your golden years. GoMovin is at your side with advice and assistance to make your move to Chile as easy and stress-free as possible.
Are you ready for your new life in Chile? GoMovin supports you every step of the way – from planning to arrival. Contact us today for personal advice and start your retirement worry-free!
Further useful links
On the page of the German Pension Insurance, you will find information about pension payments abroad.
The social security agreement between Germany and Chile regulates the social security rights of people working in both countries.
FAQ
What tax benefits does Chile offer to retirees?
Chile potentially offers a 0% tax on foreign income for up to 6 years. Newcomers are exempt from income tax on foreign earnings for the first 3 years, with a possible extension for another 3 years. This adheres to the principle of territorial taxation, where only income generated in Chile is taxed.
Which visa is most suitable for retirees?
The Private Income Visa is a good option, as it requires proof of a monthly income of about 1000-1400€ for the applicant and an additional 500€ per family member. Alternatively, there is a special retiree visa for individuals over 55 years with a minimum pension of 1,000 USD per month.
How do the cost of living in Chile and Germany compare?
The cost of living in Chile is significantly lower. A single person needs about 1000€ per month, compared to 1670€ in Germany. Especially rent, energy, and basic foodstuffs are often cheaper.
Do I need health insurance in Chile?
Yes, a health insurance with a minimum coverage of 30,000 USD that covers emergency and repatriation expenses is required for a visa application. There are both private and public options.
How do I secure my pension payments to Chile?
Your pension can be transferred to a bank account worldwide. Get informed in time by the Deutsche Rentenversicherung about the possibilities and fees. Note that you may need to submit an annual certificate of life.
Do I need to speak Spanish to relocate to Chile?
Basic knowledge of Spanish is highly recommended to navigate and engage in social life in Chile. There are numerous language courses and learning materials available.
Are there popular regions for German emigrants in Chile?
Yes, the regions of Araucanía, Los Ríos, and Los Lagos have a long history of German immigration and offer good infrastructure and quality of life.
What should be considered when preparing documents for a visa application?
Preparing the documents requires utmost care. All documents must be translated and certified if necessary. A police clearance certificate must not be older than 90 days at the time of application and must be apostilled.
