QA：有人認真考慮過在中國退休嗎？
Has anyone seriously considered retiring in China?
譯文簡介
諷刺的是，“如果中國這么好，為什么不搬到那里去呢？”這個問題的答案很簡單……很難，非常難。
正文翻譯
Has anyone seriously considered retiring in China?
有人認真考慮過在中國退休嗎？
有人認真考慮過在中國退休嗎？
評論翻譯
很贊 ( 11 )
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Plenty.
November 2024 was an eye opener. All the super white washed anti Chinese overseas born Chinese were in the village. The ones that were self hating made anti Chinese racist jokes.
They were here to get a letter and photocopies of clan records (I scanned them in so they’re actually printouts) so they could get HK residency a short cut to PRC citizenship that circumvents the 7 year rule.
Some of the ones I hated didn’t get those letters or photocopies.
But the conditions in the UK have deteriorated so significantly as has the overt and open racism many of them are looking for a way out.
Even hyper Karen is thinking of it
很多。
2024年11月真是令人大開眼界。所有那些被白人洗腦、反華的海外華人都涌進了我們村子。那些自我憎恨的人甚至開了一些反華的種族主義玩笑。
他們來這里是為了拿到一封信和一些宗族記錄的復印件（我掃描了，所以它們實際上是打印件），這樣他們就可以獲得香港（特區(qū)）居留權(quán)——一條繞過7年居留限制、獲得中華人民共和國公民身份的捷徑。
我討厭的一些人并沒有拿到那些信或復印件。
但英國的情況已經(jīng)惡化到如此地步，公開的種族主義愈演愈烈，他們中的許多人都在尋找出路。
就連亢奮的凱倫也在考慮這個問題。
Duck填仲籃
BTW, my mom a Canadian, about 10 years ago came back and live in HK in one of those flat specifically designed for the elderly and now can also entitle a $4000 per month old age allowance and free medical.
事實上，如果你已經(jīng)超過80歲，香港（特區(qū)）才是最適合你的地方。這里醫(yī)療條件優(yōu)越，美食選擇豐富，沒有語言障礙，公共交通便利（單程2港幣），方便乘坐各種交通工具前往周邊景點，還有西式住宿，你絕對無法抗拒。
順便說一句，我媽媽是加拿大人，大約10年前回國住在香港（特區(qū)）一套專為老年人設計的公寓里，現(xiàn)在還能享受每月4000港幣的高齡津貼和免費醫(yī)療。
OHH HELL NAHHHH, LEMME TELL U SMTH a 1500 s ft apartment costs guess what: 40 MILLION HKD which is like 5 MILLION USD (btw in Kowloon city)
哦，天哪，不，讓我告訴你，一套 1500 平方英尺的公寓要花多少錢：4000 萬港幣，相當于 500 萬美元（順便說一下，是在九龍城）
Duck填仲籃
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這就是為什么許多老人為了方便而賣掉昂貴的房子，住進養(yǎng)老院的原因。如果你超過80歲，你不需要1500平方英尺的房子，你需要的是即時的醫(yī)院護理、24小時的照護服務、定期的清潔服務、健身房和溫水泳池、送餐服務以及娛樂設施。
Thank you for sharing, but Hong Kong's extremely high cost of living, it isn't an ideal retirement choice for most ordinary people.
謝謝分享，但是香港（特區(qū)）的生活成本極高，對于大多數(shù)普通人來說并不是一個理想的退休選擇。
Hong Kong’s high cost of living is over egged.
If you live in a HK New Territories village? You can rent an entire house 500–700sqft for $9000HKD that’s $1200USD.
Add in the fact you don’t need a car it’s the foreigner bubble that makes people think the CoL is super high. They want to live in the Mid-levels or Olympic and they demand to have their own cars, a live in maid and their apartments cleaned every day.
香港（特區(qū)）的生活成本被夸大了。
如果你住在香港（特區(qū)）新界的村鎮(zhèn)？你可以花9000港幣（相當于1200美元）租一整棟500到700平方英尺的房子。
再加上你不需要車，正是外國人的泡沫讓人們覺得生活成本超高。他們想住在半山區(qū)或奧運村，要求有自己的車、住家保姆，并且公寓每天都有人打掃。
One hour from hong kong in zhuhai or zhongshan you can get a 200 square meter house for US700 a month. A lot of retirees are moving there soon.
在距離香港（特區(qū)）一小時車程的珠海或中山，每月只需700美元就能租到一套200平方米的房子。很多退休人員很快就要搬到那里了。
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Yes, but this is where I’m at here and now. My dad lives over in Meizhou and pops over now and again (he personally can’t stand a lot of his generation).
是的，我現(xiàn)在的情況就是這樣。我爸住在梅州，偶爾會過來（他自己也受不了他們那一代人）。
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I’ve visited Hong Kong—though obviously couldn’t explore every corner. If you love island life, Hong Kong or other Southeast Asian countries could work, but Hong Kong is undoubtedly safer! With a budget of $3,000/month, rural areas near major Chinese cities would offer far more options and a significantly better quality of life.
我去過香港（特區(qū)）——雖然沒法探索過每一個角落。如果你喜歡海島生活，香港（特區(qū)）或其他東南亞國家都不錯，但香港（特區(qū)）無疑更安全！如果預算是每月3000美元，去中國大城市附近的鄉(xiāng)村地區(qū)會提供更多選擇，生活質(zhì)量也會更高。
I'm actually thinking about it at the moment.
For background, I'm from India and my wife is from Taiwan. China makes it really easy for Taiwanese to live here and we just need to go through some paperwork for me to have a spousal visa that allows me to stay here as her husband. We haven't quite worked out the details since I should be able to continue to get a work visa for another 7 years - once I get a spousal visa I can't work on it so it's only something we'd activate if I get refused a work visa.
In the past we've also uated retiring in India, Taiwan or a 3rd place like Malaysia or Thailand, but honestly, we both like it so much here that it's a serious option. Probably not Shanghai, though - if we did this we'd move to a smaller city like xiamen or Lijiang… maybe run a little restaurant & bar, have a little stage with all of our musical instruments and have open mic nights every night…
I did explore the PR option but
a) It's not that easy to get - easier if I'd lived in Beijing instead of Shanghai
b) Not really permanent - it's 5 years at a time and I don't know if it'll keep getting renewed as I get older… I suspect it is indirectly tied to whether you bring any economic value
我現(xiàn)在確實正在考慮這件事。
背景：我來自印度，我妻子來自臺灣（地區(qū)）。
對臺灣（地區(qū)）人來說，中國非常適宜居住，我們只需要辦理一些手續(xù)，我就能獲得配偶簽證，這樣我就可以作為她的丈夫留在中國。
我們還沒有完全確定細節(jié)，因為我應該可以繼續(xù)獲得7年的工作簽證——一旦我獲得配偶簽證，我就不能繼續(xù)工作簽證了，所以只有當我的工作簽證被拒時，我們才會啟用它。
過去我們也考慮過在印度、臺灣（地區(qū)），或者是第三世界的馬來西亞、泰國等地退休，但說實話，我們都非常喜歡這里，所以這是一個認真考慮的選擇。
不過，可能不會是在上海——如果我們真打算在中國退休，我們會搬到廈門或麗江這樣的小城市……也許開一家小餐館和酒吧，搭建一個小舞臺，用上我們所有的樂器，每晚舉辦開放麥之夜……
我確實考慮過永久居民這個選擇，但是
1、獲得永久居民資格并不容易——如果我住在北京而不是上海，會更容易一些
2、永久居民資格并非永久性的——每次只有5年，而且我不知道隨著年齡的增長，它是否能繼續(xù)續(xù)簽……我懷疑這與你是否能帶來經(jīng)濟價值間接相關(guān)。
My question would be…h(huán)ow?
Shenzhen is my first choice.
I make a great income and have plenty of assets. I can buy my way I to Switzerland through forfait fiscal but it would be somewhat of a financial stretch.
And I'd like to do that for climate and good schools - like they have in Shenzhen.
But unless you can find work for a Chinese company, there's no easy way to get even a 2–3 year visa, much less permanent residency. And work visa isn't exactly retirement.
The best way I have found so far is to create a wholly owned enterprise, let's say in consulting, hire 2–3 Chinese nationals, and then be Ok making a loss (if you actually don't want to work much) for the entire time you plan to live there. And then maybe after 10 years you can get PR.
Compared to places like Portugal, Germany, etc, this is highly challenging.
Might still go for it, but I can understand of most people who want to simply cannot.
Ironically the response to “if China’s so great why don't you move there" is simply…it's hard, very hard.
我的問題是……要怎么做？
深圳是我的首選。
我的收入很高，資產(chǎn)也不少。我可以通過一次性稅制買路去瑞士，但這會有點費錢。
我想去瑞士，因為那里氣候宜人，學校也很好——就像深圳一樣。
但是，要去中國，除非你能在中國公司找到工作，否則連2-3年的簽證都很難拿到，更不用說永久居留權(quán)了。而且工作簽證跟退休生活也不完全等同。
到目前為止，我發(fā)現(xiàn)最好的辦法是創(chuàng)辦一家獨資企業(yè)，比如咨詢公司，雇傭2-3名中國員工，然后在你計劃在那里居住的整個期間，即使虧損（如果你真的不想工作太多的話），也可以接受。然后，也許10年后你就能拿到永久居民身份了。
與葡萄牙、德國等地相比，這極具挑戰(zhàn)性。
我可能還會繼續(xù)努力，但我能理解大多數(shù)想做卻做不到的人。
諷刺的是，“如果中國這么好，為什么不搬到那里去呢？”這個問題的答案很簡單……很難，非常難。
Wanting to do something and doing it well isn’t too difficult, and based on your descxtion, you can easily obtain long-term residency—not just a work visa! You can look into the S2 visa
想做點什么并做好并不難，而且根據(jù)你的描述，你很容易獲得長期居留權(quán)——而不僅僅是工作簽證！你可以考慮S2簽證。
S2 is a visitor visa so that doesn't work
I already have an 10-year multiple entry visa for up to 180 days a year. That's not the same as living there though.
S2簽證是訪問簽證，所以不行。
10年內(nèi)，我已經(jīng)有過多次入境簽證了，每年最多可以停留180天。但這和在那里居住不一樣。
About Long-Term Stay in China:
For those considering retirement or long-term living in China, it's actually possible to stay beyond the usual tourist visas. One of the more practical paths is applying for a Private Affairs Residence Permit, which can be based on an S2 visa.
This route allows for long-term stay and is renewable, making it a more stable option for people who want to live in China without constantly worrying about visa runs or short-term extensions.
Of course, the key requirements and eligibility details vary depending on your situation, and not everything is suitable to share openly online. But I’d be happy to discuss it privately if anyone is genuinely exploring this path.
關(guān)于在中國長期居留：
對于那些考慮在中國退休或長期居住的人來說，除了常規(guī)的旅游簽證之外，實際上也可以在中國長期居留。其中一個更實用的途徑是：申請私人事務居留許可，這個許可可以基于S2簽證簽發(fā)。
這條途徑允許長期居留，并且可以續(xù)簽，對于那些希望在中國生活而不想經(jīng)常擔心簽證擠兌或短期延期的人來說，這是一個更穩(wěn)定的選擇。
當然，關(guān)鍵的要求和資格細節(jié)會因人而異，并非所有信息都適合在網(wǎng)上公開分享。但如果有人真的想探索這條途徑，我很樂意私下討論。
As a preface, China is not America or a western country , and it doesn’t need to model itself as one for it to be successful.
What I mean is attractibility to retirees shouldn’t be equated to the success of a country if that’s not what they need for their constituents or long term success
Gibraltar can attract retirees from the UK, doesn’t mean that Gibraltar should be the pinnacle that other countries need to compete on
首先，中國不是美國或西方國家，它不需要效仿美國或西方國家去取得成功。
我的意思是，如果一個國家對退休人員的吸引力，并不是本國公民所希望的，或者對長期成功無益，那么吸引退休人員就不應該等同于成功。
直布羅陀可以吸引英國退休人員，但這并不意味著直布羅陀應該成為其他國家需要競爭的巔峰。
But at the same time, China isn’t the only or even best option. There is no doubt we could if we absolutely needed to, and we’d probably get into the process of settling in a tad faster than others thanks to friends and a family networks to vouch for us, but overall the work environment is still seen by my wife and me as unattractive compared to the US’s hours to money ratio.
現(xiàn)在，作為一名正處于職業(yè)生涯中期的美國佬，我面臨的政治和經(jīng)濟形勢正朝著一個令人不安的方向發(fā)展。就我個人的家庭而言，我哥哥正在考慮搬到新加坡從事金融交易相關(guān)的工作，而我一個非白人美國人，我的妻子非常擔心我，她害怕我會去軍營看現(xiàn)場電影，還需要用我自己的信用卡付款。
但與此同時，中國并非唯一的選擇，甚至也不是最佳的選擇。毫無疑問，如果真的有需要，我們可以去，而且由于有親朋好友的支持，我們或許能比其他人更快地適應中國的生活。但總的來說，我和妻子仍然認為，與美國的工作時間與收入比率相比，中國的工作環(huán)境并不吸引人。
Accounting also sits pretty close to the social sciences rather than hard sciences like actuarials. This means all those years understanding US accounting rules, authoritative guidance, and accounting regulations does not translate well into a foreign country. Even Canada is different enough where I’m sure I wouldn’t be as competitive as I would be in the states
so if it’s same kind of social and occupational location move, China is not the place for us
maybe if it was like a real retirement decades from now and we really want to rebel against suburbia east coast for something completely different like a Mongolian or Kazakhstan-xinjiang steppe retirement, that might be something my wife and I might be down for
即使最近的經(jīng)濟動蕩導致金錢略有貶值，也不足以讓我們跑到銀行，把所有的美元都兌換成人民幣和紀念金幣。如果真的到了那種地步，我非常懷疑，我以英語為母語的技能，以及幫助別人寫美國大學申請文書的經(jīng)驗，在中國去找新工作會不會不那么受歡迎。
我的會計工作更接近社會科學，而不是像精算師這樣的硬科學。這意味著我多年來對美國會計規(guī)則、權(quán)威指南和會計法規(guī)的理解，在國外很難有效運用。即使是在加拿大，情況也大不相同，我確信我的競爭力不會像在美國那樣強。
所以，如果是同樣的社會和職業(yè)遷移，中國并不適合我們。
也許，如果幾十年后我們真的想退休，告別東海岸的郊區(qū)生活，去體驗完全不同的生活，比如在蒙古或哈薩克斯坦，或者新疆草原上退休，我和妻子可能會選擇去中國。
China does not have any retirement visas. In addtion, China is perhaps one fo the hardest countries in the world to get PR or citizenship.
中國沒有退休簽證。此外，中國或許是世界上最難獲得永久居民或公民身份的國家之一。
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