Residency in France
#16
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Re: Residency in France
I wasn't thinking so much from the point of tax residency, or the convenience of having a UK address. My thought was with regard to the motorhome insurance. I was suggesting that Peter checks the policy small print to make sure there is no limit to the time it can be used outside the UK (Peter subsequently said he intended to do this) .
Purely on overseas income, and only income from certain sources, and only if your healthcare is directly funded by France (ie if you don't have an S1 and you join the state system rather than taking out private health insurance). If applicable I think it's charged from the first € and it's around 8%. I don't know if it would apply to your pension or not.
EDIT - thinking about the social charges, I'm not sure that's all quite right, but you'll have got the gist - it's complicated so you'd need to look into it in detail.
Last edited by EuroTrash; Mar 14th 2016 at 6:37 am.
#17
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Re: Residency in France
"Purely on overseas income, and only income from certain sources, and only if your healthcare is directly funded by France (ie if you don't have an S1 and you join the state system rather than taking out private health insurance). If applicable I think it's charged from the first € and it's around 8%. I don't know if it would apply to your pension or not."
Thanks for input. Hopefully there is another forum member in receipt of an NHS pension who would know about this point. What is the the French translation of the 'social charge' we are discussing?
Thanks for input. Hopefully there is another forum member in receipt of an NHS pension who would know about this point. What is the the French translation of the 'social charge' we are discussing?
#18
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Re: Residency in France
"Purely on overseas income, and only income from certain sources, and only if your healthcare is directly funded by France (ie if you don't have an S1 and you join the state system rather than taking out private health insurance). If applicable I think it's charged from the first € and it's around 8%. I don't know if it would apply to your pension or not."
Thanks for input. Hopefully there is another forum member in receipt of an NHS pension who would know about this point. What is the the French translation of the 'social charge' we are discussing?
Thanks for input. Hopefully there is another forum member in receipt of an NHS pension who would know about this point. What is the the French translation of the 'social charge' we are discussing?
INTM343040 - DT claims and applications - Types of income: Pensions and Annuities As you can see, If Capita pay your NHS pension then it is likely classed as a NON government pension and you can apply to have it paid tax free AFTER having been non UK resident for one complete tax year.
Here's the DTT document - Find France under F.
https://www.gov.uk/government/public...with-uk-income
It really comes down to residency as per the good advice given by other posters. Travelling around in a motorhome full time just adds a complication to the mix.
#19
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Re: Residency in France
We're retired (on French Pensions) and the Fisc (Tax Office) sends us our CSG due once a year.
P.S. I forgot that you were intending to live in a motorhome. As mentioned, this might raise problems justifying your "residence" in France.
Last edited by dmu; Mar 14th 2016 at 7:53 am.
#20
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Re: Residency in France
I don't think he's planning on living in it forever, DMU! Just while he finds his house to buy. Which in fact is exactly what I did, except I didn't sell up in the UK first.
#21
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Joined: Mar 2016
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Re: Residency in France
As other posters have said, your NHS pension remains taxed in UK as it's classed as a government pension and is specifically excluded from the DTT.
INTM343040 - DT claims and applications - Types of income: Pensions and Annuities As you can see, If Capita pay your NHS pension then it is likely classed as a NON government pension and you can apply to have it paid tax free AFTER having been non UK resident for one complete tax year.
Here's the DTT document - Find France under F.
https://www.gov.uk/government/public...with-uk-income
It really comes down to residency as per the good advice given by other posters. Travelling around in a motorhome full time just adds a complication to the mix.
INTM343040 - DT claims and applications - Types of income: Pensions and Annuities As you can see, If Capita pay your NHS pension then it is likely classed as a NON government pension and you can apply to have it paid tax free AFTER having been non UK resident for one complete tax year.
Here's the DTT document - Find France under F.
https://www.gov.uk/government/public...with-uk-income
It really comes down to residency as per the good advice given by other posters. Travelling around in a motorhome full time just adds a complication to the mix.
The links are very helpful and it looks as if both the NHS pension , and the state pension (which I will get at age 67,) will have full relief, i.e. as I understand it, will not be taxed in the UK when we are French resident.
Which leads to the next question...what are current rates of French income tax?
#22
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Re: Residency in France
What I meant was that the OP can't justify residence from day 1, only after he has bought a house and set up the Utilities which is when the 3 months will start. So should he take out temporary private healthcare coverage at the beginning? or simply use the EHIC as though they're tourists?
#23
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Re: Residency in France
What I meant was that the OP can't justify residence from day 1, only after he has bought a house and set up the Utilities which is when the 3 months will start. So should he take out temporary private healthcare coverage at the beginning? or simply use the EHIC as though they're tourists?
Do keep up DMU, or we'll expect you to read the entire link on UK residency and ask you questions on it tomorrow
#26
Re: Residency in France
A point worth bearing in mind is that a Government pension being taxable in the UK is not the same as being taxed ]in the UK.
£10,000 UK Government pension- UK personal allowance is 10,600 - taxable element £0 therefore no tax to pay in the UK.
UK Government pension 11000 - personal allowance 10,600 - taxable element 400 @ 20 percent = £80.
UK State pension is taxable in France - say £7k times 1.3 = €9,100. France zero rate up tp €9,600 again no tax to pay
In theory, the Government pensioner should ask that their tax free allowance in France or elsewhere in Europe is reduced by an equivalent amount to the income in the UK, but I rather suspect few do.
Kudos to all who do insist on paying.
£10,000 UK Government pension- UK personal allowance is 10,600 - taxable element £0 therefore no tax to pay in the UK.
UK Government pension 11000 - personal allowance 10,600 - taxable element 400 @ 20 percent = £80.
UK State pension is taxable in France - say £7k times 1.3 = €9,100. France zero rate up tp €9,600 again no tax to pay
In theory, the Government pensioner should ask that their tax free allowance in France or elsewhere in Europe is reduced by an equivalent amount to the income in the UK, but I rather suspect few do.
Kudos to all who do insist on paying.
#27
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Re: Residency in France
Just to get back on this point. I am in the position of buying a flat just after the UK announced BREXIT and the pound has fallen significantly in the past five weeks. I have found a FX trader recommended to me who will buy Euros if the pound falls to a threshold somewhere above where affording the flat could get difficult.
#28
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Re: Residency in France
Yikes, is your income still in £££ then?