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Posts by mcm1  

Joined: 14 Apr 2012 / Male ♂
Last Post: 26 Mar 2016
Threads: Total: 2 / In This Archive: 2
Posts: Total: 81 / In This Archive: 70

Speaks Polish?: no

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mcm1   
17 Mar 2016
Real Estate / Changes to mortgages for EU citizens in Poland with foreign income. [34]

Have you tried using a mortgage broker. We did a few years ago and were accepted by GetIn Bank for a mortgage (the only bank that would allow us). It was a very lengthy and expensive exercise but allthough we didnt actually need a mortgage due to our financial position it will be beneficial to our tax position in the future.

We have one bank account with ING bank where we have both Zloty and Sterling accounts, other banks we have only Zloty accounts.
This part you dont wish to hear but I feel you should be aware of, a UK Gov't pension (police,army etc.) is allways taxed first in the UK-no exceptions, now some countrys will not tax you again on this pension, Poland has not adopted this policy yet. You are therefore liable to Polish tax on this pension but as the UK has allready taken tax you will be allowed that amount to deducted from what is owed in Poland. this is the double taxation agreement.

All other pensions i.e. state and private can be taxed at source or payed net-you do not get to choose which, HMRC will decide with the country you have decided to retire to-eventually!

The letter of law states that your 'centre of economic interest' in your case is Poland therefore you will be liable to tax in Poland on any monies earned on your whole worldwide income-pensions are regarded as income.

We have spent a good deal of money to get factual advice from one of the top tax companies with offices worldwide, I also work for the UK Gov't.

I say this merely because it might have a financial effect on what you do next.

I forgot to add you can get a decision in writing from the Polish tax office of your own individual case, this is legally binding. Our tax advisors had this paperwork on our case because it is rather more complicated.
mcm1   
15 Mar 2016
Law / Moving to Poland with Business [8]

I dont think you have been told correctly, only partially correct.
The double taxation does not mean you are only taxed in the UK and nowhere else. It means if you have paid tax in the UK you will not pay that amount of tax twice-but there may well be a balance to pay elsewhere (Poland).

Why not seek guidance from HMRC as well?
mcm1   
14 Mar 2016
Law / File complaint against Poland's police [97]

Adrian, likewise I feel for you.

You need to be realistic on the valuations though.......3.8million! it wasn't worth even 10% of that in livable condition.IMO of course.
As to the $1M to put the land back as it was!
Here is a part list of our landscaping last year.
hard landscaping took 2 months and involved moving 100's of tonnes of earth covering 16000m(heavy machinery)..cost 100,000PLN
planting of 1000x 2m tall rooted willow and hazel trees..........cost 11000PLN
planting of 100x 2m rooted fruit trees (mainly apple variety)..................cost 6600PLN
The fruit trees will take another 6 years to grow to their full potential.

Why the heck hasn't your lawyer sent a complaint to Skanska H Q?
mcm1   
22 Nov 2015
Law / British living in Poland - tax treaty with the UK? [30]

I am not sure where you gained this information but it is wrong.

Point 1- the figure you have quoted is 'near enough' IF you will recieve your state pension before April 2016, for anyone else you would be on the new state pension. This is calculated on the years of paying into the system amongst other criteria. My wife has just recieved her pension forcast and it states currently it will be £197.20 (subject to change in the next 5 years)

Point 2- is wrong in its entirety. A UK citizen moving to Poland will still get any increases that you would get as if living in the UK.

Also it has been confirmed that the winter fuel payment will be payed to us.
All the above is subject to change of course!
If you aged 55 or over any UK person can get a pension forcast from the GOV.UK website.
mcm1   
31 Oct 2015
Law / American travelling to a non-Schengen country while still waiting for TEMPORARY residence card in Poland [20]

Not quite as straightforward as some may think.
"Note: The aforementioned stamp does not entitle the foreigner to travel to other Schengen countries or EU Member States. Pursuant to the stamp in the passport the foreigner may leave for their country of origin, although they may not return to Poland with the stamp - in order to re-enter Poland, the foreigner should obtain a visa".

It depends on where you intend to travel to if, as stated outside the EU then you might have to convince an immigration officer of your intentions.
mcm1   
28 Aug 2015
Life / Canadian Moving to Poznan, Poland - what to bring over, areas to avoid, school for a child. [54]

You are clearly speaking from experience not knowledge.
Nowadays there are climate control units that are so much better and create a more pleasant environment, you can set the temperature and more importantly the humidity.

I can assure you that allthough the weather is what I would concider very warm in Poland right now it is in my experience not unusual during the summer months.

Any fool can sit there and be uncomfortable........I dont intend to!
Even the small portable units reduce the temperature but they are not made for long time frames, a couple of hours in the bedroom before bedtime even allows the kids to get off to sleep in relative comfort.
mcm1   
5 Aug 2015
Real Estate / SUROWY DOM IN POLAND - UNFINISHED HOMES FOR SALE - COST TO COMPLETE THE BUILD? [16]

From my experience I would suggest anything from 500k-800k depending on your finishes. not including sanitary ware or kitchens.
Our place is about 475m2 of livable area and the cost was substantially more but we did choose quality fixtures.
As for the heating-we have a gas boiler and a solid fuel system so can use either or both together. As we dont actually live there permanently we just have the gas boiler running to keep the property at 19C- 24/7. Our predicted cost for gas is about what we thought, 15,000PLN per year.
mcm1   
19 Feb 2015
Work / Typical Post - A good salary in Rybnik - 3000 for part time in finance? [16]

I hope this will put your mind at ease. As usual we spent an hour or so tonight speaking on skype with our relatives who actually live in and around Rybnik. I mentioned to them some of the points raised above by other posters- here are their own replys.

With the wages you both earn considering the fact you have no rent or mortgage to pay you will be fine financially.
Do get your ID card soonest, despite what others imagine you will not be able to connect to the utilitys otherwise.
For someone to say that without the help of getting vegetables etc. from your relatives you will struggle, how can I put this politely except each and every one of them laughed. Some grow vegetables for their own enjoyment but it is purely for pleasure, they stated it is actually cheaper and easier in the long run to buy from the stores.

Personally i have been visiting Rybnik for 20 years now. I have seen the changes, they are looking forwards to the future without a doubt. There are more financial places than you can shake a stick at, I hope you can find rewarding emplyment more locally in the future.

Lastly for now-we do dine out every day, in proper restaurants not fast food outlets.......you could as well if you so desired!
Sorry I cant help with the cost of utilities for your flat, but from the conversation I had earlier they suggest allow 350PLN per month.
mcm1   
26 Jun 2014
Law / Foreigners Getting Married in Poland - a Guide to Formal Preparation [54]

Unfortunately you have not understood something or someone.
First, as neither you nor your husnband are UK citizens there is nothing for you to 'legalise' in the UK.
Second, your husband being an EU national can come to the UK whenever he likes, you cannot without the relevant visa/ permit.
Your husband will have to qualify to bring you to the UK, there are several ways to do this.
He has to have a permanent employed position where he resides currently that pays him the equivalent of £18,600 per year, he must have held this position for at least 6 months and also have a permanent position of employment that he can start within 3 months of entering the UK of a similar amount.

He can move to the UK on his own and so long as he has permanent employment that pays him the minimum amount as above after 6 months you can then apply for a visa/ spouse permit.

Another option is for you both to have a sum of £62,300 in liquid savings that you have held for at least 6 months, after 2.5 years you must still have this liquid money at your disposal. For the next 2.5 years some of this money can be used subject to certain conditions. Monetary loans, houses etc.. do not qualify.

It is a moot point but if your husband was a UK national then you both would be invited to KL for interview.
mcm1   
22 May 2014
Law / Any advantage to citizenship of Poland if already have EU residency? [20]

Why do you both continually twist what has been written to suit your own agendas?

Jon, as you know we do not live or work in Poland, I have stated this before.
We were advised for tax reasons to get a mortgage, we applied for 250,000PLN. under 15% of the total cost of the property. We exchanged late last year so fairly recent.

Harry, I dont claim anything, what I have stated is a FACT, they (Mercedes Katowice) would not order a new car for me unless I could produce a Polish passport, they were quite happy to put the car in my wifes name. WE told them to get stuffed. This was in December last year.
mcm1   
22 May 2014
Law / Any advantage to citizenship of Poland if already have EU residency? [20]

I knew it wouldn't take you long Jon,
Like I have stated previously these have been OUR experiences, quite recently.
The house we now own does have agricultural and forestry land with it. Its why we chose the property, no immediate neighbours!
Mercedes in Katowice would not order my new car without a Polish passport.
Same for the local white goods shop we have spent a good deal of money in, he did offer to put the registration details in our Polish cousins name. He lost the sale of the full house home entertainment system by his condescending attitute.

Out of 14 banks our broker dealt with only 4 were prepared to offer a mortgage to British citizens, none of those without Polish citizenship as well.