隨著年齡的增長，相信大家都會有深思本身理想退休生活而近年來，在國外退休已迅速成為許多人的理想退休生活也看待成令人興奮的一種冒險。但是，這種理想退休生活的想法必須已合法性和實用性進行。並且您的選擇地點同時決定了實現目標的過程有多簡單或多難。

As one gets older, the thought of where you would like to retire is raised. Over recent years, retiring abroad has fast become a new and exciting adventure for many.However, the legalities and practicalities of making the adventure workable are important and depend on the choices you make. They determine how simple or difficult the journey in reaching your goal will be.

選擇理想移民地

實現夢想退休生活第一步驟便是要做最激動人心的決定 – 那就是是您想在哪裡退休。
世界之大，令人驚嘆的選擇佈滿了全球。但目前，最受歡迎的地點包括葡萄牙、巴拿馬、哥斯達黎加、墨西哥和哥倫比亞。這些是基於客觀因素，包括醫療保健、氣候、生活成本和獲得簽證的難易程度而票選出的移民地。亞洲也是另一個首選目的地，因為它也提供了許多有趣的選擇，尤其是在負擔得起的私人醫療保健方面。

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The first and most exciting decision to make is where exactly you want to retire.
The world is your oyster and there are so many amazing options. Currently, the most popular locations include Portugal, Panama, Costa Rica, Mexico and Colombia. These are based on objective factors including health care, climate, cost of living and ease of securing a visa. Asia is also another top destination as it also offers many interesting options, especially when it comes to affordable private health care.

選擇移民途徑

目的地的選擇可能會限製或拓寬您可以在那裡退休的途徑。這可以通過家庭關係獲得公民身份、投資獲得公民身份、或退休簽證途徑。舉例說明，其中一些熱門移民國是可以通過親屬申請移民，也就是說只要父母或曾祖父母出生於此國家便可申請公民身份並且享受社會福利。理想情況下，該國家還將允許您保留現有公民身份，即持有雙重公民身份，這樣您就不會失去輕鬆旅行或搬回原居地的能力。允許雙重國籍的國家包括澳大利亞、哥斯達黎加、愛爾蘭、意大利、希臘、匈牙利、葡萄牙等。

The choice of destination could restrict or widen the paths available to you to be able to retire there. This could be through a citizenship-by-descent, citizenship-by-investment, a nomad visa or a retirement visa path.For example, some countries offer citizenship-by-descent, meaning that as long as a parent or grandparent was born there, you could apply for full citizenship and receive all its associated benefits. Ideally, that country will also allow you to keep your existing citizenship i.e. hold dual citizenship, so you do not lose the ability to easily travel or move back to your former home. Countries that allow for dual citizenship-by-descent include Australia, Costa Rica, Ireland, Italy, Greece, Hungary, Portugal and several more.

在安提瓜和巴布達、聖基茨和尼維斯、多米尼克、格林納達、聖盧西亞、黑山、北馬其頓、土耳其和瓦努阿圖等其他國家，投資移民途徑是獲得替代公民身份和護照的最有效方式因同時可享受所有的福利和退休權利。

In other countries such as Antigua & Barbuda, St. Kitts & Nevis, Dominica, Grenada, St. Lucia, Montenegro, North Macedonia, Turkey and Vanuatu, citizenship-by-investment programs are the most effective way to secure an alternative citizenship and passport with all its benefits and rights to retire, in exchange for a dedicated investment.

各種簽證類型和要求差異很大：臨時居留許可可能有時間限製或可續簽，並且自然會附帶文書工作和續簽費用。如果這是您的最終目標，您通常必須在該國居住一定年限，然後才能申請永久居留權或公民身份。

Visa types and requirements vary widely: a temporary residency permit might be limiting in time or renewable and will naturally come with paperwork and renewal fees. You will often have to live in the country for a certain number of years before you can apply for permanent residency or citizenship, if that is your end goal.

一些國家，如泰國、菲律賓、哥倫比亞和巴拿馬，有專門針對退休人員的簽證，您必須符合該國的最低月收入條件，附上證據才可申請。其他國家向購買房地產的外國人提供居留權，俗稱買樓移民。

Some countries, such as Thailand, the Philippines, Colombia and Panama, have visas specific to retirees who can demonstrate that they meet a minimum monthly income requirement. Other countries offer residency to foreigners who make real estate purchases.

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選擇房屋購買或租借

您的第一直覺可能是在您新移民的國家購買房產。但是，不應假設國外的房地產市場或購房標準與祖國相同。泰國、印度尼西亞和菲律賓等一些國家對外國人可以合法購買和擁有的地點和房屋有一定的限制。

Your first instinct might be to buy property in your newly adopted country. However, one should not assume that the real estate market or homebuying standards are the same abroad as in your native country. Some countries such as Thailand, Indonesia and the Philippines have important restrictions on where – and what – foreigners can buy and own legally.

如果打算購買，重要的是首先聯絡當地有牌移民律師幫助你探索當地的選擇，並且可以就移民和房地產角度為您提供建議。一位有好名譽的律師可以幫助你評估購買房屋是或有可能遇上的限制或潛在的法律複雜性，並且協助您開設當地銀行賬戶以及為您獲得當地融資的可能性而進行購買。僅僅購買房產可能無法提供居住在那裡的所有權利。

If you are set on buying, it is important to first explore your options with the help of a qualified lawyer who understands the local market and can advise you on both the immigration and the property angles. A reputable lawyer can advise you on the possible restrictions you may come up against and assess any potential legal complications for any properties you are interested in and assist you in opening a local bank account and the possibility – or impossibility – of securing local financing for your purchase. Buying property alone may not provide the right to live there.

第一次到達該國並且還在搜查房屋的過程中，租房可能是一個更安全的選擇。但同樣，其他國家的租賃流程通常非常不同，可能包括提供大量保證金、提前一年支付的要求或與租賃帶家具的房產相關的獨特要求。

Renting could be a safer option when you first arrive in the country, and you are exploring where you might want to live. But again, the rental process in other countries is often very different and can include providing a substantial security deposit, a requirement to pay a full year ahead, or unique requirements related to renting a furnished property.

謹慎選擇移民律師

在大多數國家/地區，移民僅限於授權的移民律師來給予建議您和您的家人。在國外以退休方式確實有移民途徑，因此強烈建議您自己先深入研究和盡職調查有關的專業人士、部門或律師團隊。與代理或非授權公司不同，專業的移民律師有義務就最適合您的目標和生活方式的最佳目的地和計劃提供建議。

In most countries, immigration is restricted to authorized immigration lawyers to guide and advise you and your family. Retiring abroad does have an immigration component, hence doing your own research and due diligence on the type of professional to assist you, is highly recommended. Unlike agents or non-authorized firms, a professional immigration lawyer has an obligation to advise on the best destination and program most suited to your objectives and lifestyle.

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