There are some who sell retirement information to future expats but they never mention retiring to the Philippines, so I inquired why. My answer was because only foreigners married to Philippine citizens can avail a permanent visa to live in the Philippines.
This, my friends, is far from the truth! The Philippine government actually promotes the Philippines Retirement Visa for those who are not married to Philippine citizens and there is a government agency which does the promotion. The Philippine Retirement Authority, PRA, is not new, as it was established in 1985!
The PRA is constantly updating their services and making it easier for foreigners to avail the SRRV, Special Retirement Resident Visa, and it is a permanent visa. Now, is that not a deal or what?
The latest Philippines Retirement Visa programs update of the PRA include the SRRV Smile, the SRRV Classic, the SRRV Human Touch and the SRRV Courtesy. With these four retirement visa programs, it seems there is something for most everyone.
SRRV Smile Philippines Retirement Visa
Under this program, anyone at least 35 years of age can retire to the Philippines on a Philippines retirement visa even if they do not receive a retirement pension. The requirement is to have $20,000 USD and to deposit it in an approved PRA Philippine bank.
If you are bringing your spouse or children, an additional $15,000 USD will be required for each one of them, to be deposited in an approved PRA Philippine bank. Yes, you will earn interest on all the deposits.
The percentage rate of interest will change with the current interest rate structure, just as in any bank around the round world.
SRRV Classic
This is by far the most popular and widely used program in the PRA. The SRRV Classic is where most of those who retire to the Philippines are in their life situations.
For those 50 years of age and above with a pension of at least $800 USD per month if single and/or a pension of at least $1,000 per month if married, the time deposit amount is only $10,000 USD, with an additional deposit of $15,000 USD for each dependent.
The good news is that unlike the SRRV Smile program, these deposits can be converted to investments in the Philippines, such as buying a condominium or for long- term house and lot leasing. A foreigner cannot buy or own land in the Philippines, however, they can buy a condo, provided 60% of the other unit owners are Philippine citizens.
SRRV Human Touch
If you have a pre-existing condition but not a contagious disease, and are in need of medical care and services, you qualify for this retirement program if you have a pension of at least $1,500 per month. The PRA required bank deposit is only $10,000 USD and the good news is, there isn’t a requirement for an additional deposit for your dependents. Isn’t that great?
SRRV Courtesy
For former Philippine citizens, who are at least 35 years of age, this is the Philippines Retirement Visa program for you under the PRA. The PRA required bank deposit is only $1,500 USD.
Former foreign diplomats, age 50 and above and who served in the Philippines, can also avail this program, however, if not a former Philippine citizen, an additional $15,000 USD for each dependent is required.
All deposits for the dependents can be converted to investments, such as buying a condominium or for long-term house and lot leasing.
Documentary Requirements
All four of the PRA Philippines Retirement Visa programs are pretty much standard in the documents they require.
These include: a duly accomplished SRRV application form, a current passport with a valid entry visa, medical examination clearance, police clearance and NBI (National Bureau of Investigation) clearance, twelve 2×2 ID pictures and supporting documents if your spouse and/or dependents will be joining you living in the Philippines.
There is a one time $1,400 USD SRRV application fee for the Principal and $300 for spouse and each dependent.
Philippines Retirement Visa
Concerning the SRRV program, I personally know a number of expats who availed it for retiring to the Philippines and they are very happy about it! Since I am married to a Philippine citizen, I availed the 13a Visa but if I had been single when I moved to the Philippines in 2009, I would have jumped in on the SRRV Classic in a heart beat and without blinking an eye!
For all the latest information regarding visas for expats and the various options available be sure to check out Gary McMurrains book, The Expat Guide to Visas for the Philippines.
This post contains the most up to date information on the SRRV and is constantly updated with the latest changes.
I guess the only program not mentioned is the 13G, which I think is similar to the 13A. I talked to two Immigration persons and they mentioned that my Filipina wife, US citizens we both, should avail of the 13G for some reason…nice post! Good information Gary!
Thank you much, John. I know an American and his wife in Baguio and they were also advised to get the 13g and they have lived there the past 11 years. They call themselves Highlanders!
In this particular article, I wanted to let it be known that an expat does not have to be married to a Filipina to receive a permanent resident visa.
Have a great day!
~ Gary `.
What do I need to do to get a Permanent resident visa? I have been given 50 different answers to that question. Even from lawyers in Manila.
Yes, the 13 A visa is the way to go. One can’t, however, get a 13 A visa without being married to a Filipina. The Filipina needs to sign off that you are requesting the 13 A visa
Rusty
I got my “permanent resident visa” while I was living in the States. I was living in Las Vegas, NV.
I did 90% of the contact work over the internet. I contacted the Philippines immigration in LA over the internet. I ran off the required forms.
I completed the requirements and received my permanent resident visa. The whole process took about a month.
The cost was about $250.
Can you answer me this. I have a Filipino wife living in California she has dual citizenship. We are going to retire in Philippines in 4 years. Can I collect social security there and what do I need to do to get ready to live there
I am getting my social security in the Philippines. You can either have your SS deposited in your bank in the States or SS will send your check to whatever bank you want in the Philippines. Several of my friends get their SS check sent to a bank in the Philippines.
Make sure you come here for an extended period of time to make sure you want to live/retire in the Philippines. The Philippines isn’t for everyone. Also if you want to retire here stay in a place long enough to make sure you want to retire on that island.
Keep your options open.
Yes John because I am a 13G holder also. Check your U
Check your US passport undr Important Information where it says Loss of Citizenship. It says you may lose your citizenship when you pledge allegiance to a foreign country.
To lose your USA citizenship, you have to renounce it in front of a consular official at the USA embassy.
Banny,
There isn't a single Philippine Visa where an expat has to take a oath of allegiance to the Philippines. I am a permanent resident of the Philippines with a 13a Visa but I am not a citizen of the Philippines. Those on the SRRV are not citizens, either. It is possible for expats to acquire Philippine citizenship and become dual citizens but that is not related to their visa programs. That is a totally different act and one must be able to speak one of the Philippine languages to become a citizen here, after living here 10 years or 5 years married to a Philippine citizen while living in the Philippines.
One can lose their US citizenship by taking a renunciation oath before a Dept of State duly recognized officer and even then, they do not have to honor it. In fact, they do not. The conviction for treason is a way to lose US citizenship. The USA recognizes dual citizenship, even among USA elected officials.
Yes you can have it forwarded there. BUT… you need to inform the sss of your intentions. When your in there you need to contact the sss through us embassy, that you’re still alive every now and then. Otherwise they will stop your check without notice.
Philip,
The bank in the Philippines dif all the paperwork necessary for me to have my SS forwarded to their bank.
I do have a 13 A visa. So like you said I report once a year to the Philippine immigration office in Tagbilaran. They then inform the powers to be that I’m still kicking.
I'd never do that…for sure!
Banny Ronquillo , that's all changed with the new visa's in the PI…otherwise others could lose SSA as well.
Thanks Gary…good post!
Wow, $10,000 is so beyond my means. I have never had that much money let alone just to put in an account and leave it there. I have a good income, but here it all goes to bills every month, which is why I can’t wait to get the hell out of here!! What is a 13g and a 13a please explain.
Artena,
One can also avail the tourist visa and remain in the Philippines for 16 months, with extensions of this type visa. Before the 16 months expire, one can take a short vacation to a nearby Asian country, re-enter and start the process all over again. Malaysia, Indonesia, Hong Kong and Macau are popular short vacation destinations.
The tourist visa is now 30 days upon entry and it can be extended for 6 months in one extension or it can be extended every two months over a period of time, according to one’s budget.
Both the 13g and 13a Visas are related to foreigners married to Philippine citizens.
Have a great day!
~ Gary ~
Gary that sound like a great option. I was just thinking that I can stay in one place for a bit and do some traveling. I will be renting so I don’t have to stay anywhere full time! Oh my goodness it is 77 F in Minila today and it is about 48 F here! Not that it ever get under -10F but I lived in Alberta for 37 years and worked on the drilling rigs and it was damned cold like -55F!!
So this is not too bad here and it only snows in November for a bit and again in Feb. But I am still tired of it. I am too sore to be here…lol.
Artena,
Renting in cities is not a problem. Rent in Metro Manila is higher than in other cities in the Philippines. In Bacolod City, you can realistically rent a small house, apartment or a condo for under $200 USD per month. Bacolod City has a large expat community for those who enjoy getting together.
I wish you all the best!
~ Gary ~
What if you do not have 10,000 in savings but you do have an $800-1000 social security payment? Will they let you renew your visa while you are waiting? I don’t have any savings. I am 45 and receive survivors benefits. Thanks for telling me what to do. I had no idea about the 10,000 deposit and I have my ticket for April what will I do in the meantime-every month? I’m scared
Hi Gary,
I am really enjoying your articles and information regarding retiring in the Philippines.
I have a question regarding the $800 per month pension income in order to qualify for the CRRV Classic visa. Will the Philippine government accept social security income in lieu of pension income?
Hi Rob,
Yes, the PRA considers Social Security as a pension income. There are several banking companies in the Philippines where your Social Security pension can be direct deposited from the USA and when living here, everyone receives their checks on the 3rd day of each month. You will also receive an annual letter from Social Security, fondly known as the “Drop Dead Letter,” for you to sign and send back for verification that you are still alive. It is important to return that letter as requested or your benefits will be suspended.
Have a great day!
~ Gary ~
Gary,,thank u for the post, my questions are, if i deposit 10k in any back listed and get my SRRV visa,can i withdraw it and use the money to pay for deposit for condo or townhouse?Can i put it in my partner’s name even were not married yet?Where can i extend my visa?is there any agency who do this job and no need to go to immigration?thank u so much
Hi Smiley,
You are welcome. If you get the SRRV Classic, you may use your deposit for buying a condo or townhouse and since you will not be owning the land and as long as the other units are at least 60% owned by Filipinos, you can put it in your own name. Of course, you can put it in your partner’s name, even if not married, however, many advise against this unless you know your partner very well and trust them 100%. Since in their name, the property is theirs, not yours.
The SRRV are permanent visas but a yearly registration is required with the PRA and not BI. If on a tourist visa, the annual report and the extensions are made at your local BI office. (Bureau of Immigration)
There are a number of travel agencies and Immigration Attorneys throughout the Philippines, who are officially recognized by BI, that can appear in your behalf concerning BI business. The official BI website has a list of such travel agencies and attorneys, as well as the local BI offices.
Have a great day!
~ Gary ~
Dear Smiley,
If you are under the SRRV program (Classic), the deposit can be withdrawn only on the purpose of investing it on a Condominium Certificate of Title (CCT) property (e.g. condominium, townhouse, etc.). The title will be named on the principal member but in case the partner will be included in the title, the partner should be legally married and also a member of the SRRV (listed as spouse member).
Hello
What if I’m married to a filipinas but she is a US citizen do we both need a special visa? We already own property in Cavite and want to build a home on it do we need to deposit 10000 in a time deposit? We already have multi accounts in a Philippine bank already.
Hi Alan,
Is your wife a dual citizen of both the US and the Philippines? She can apply very easily for the 13g visa and both of you will qualify for the 13g Visa. No time deposit is required of any amount. A bank time deposit is only required for those who avail the SRRV but if you chose that route, since your wife is a Filipina, her deposit would only be $1,500. This is the Courtesy SRRV.
If you retire to the Philippines and if you plan taking an annual trip outside the country, both of you can avail the Balikbayan Privilege every time you enter the Philippines, even if your wife remains a US citizen only and not a dual citizen. The Balikbayan Privilege is valid for one year.
I hope this helps.
~ Gary ~
Thank you Gary for your fast reply.
A few more questions. My wife and I only want to retire part time in the Philippines (3 to 5 months a yr) will that hurt getting a 13G visa? What do we have to do?We want to still go back to the US to visit but eventualy retire full time in the Philippines.
Also can we get our SS from the Us deposited into a Philippine bank account? I have read where we cant?
Thank You
Hi Alan,
You are welcome. I don’t think there is a residence requirement with the 13g Visa since it is for Filipinos who were naturalized in another country and who want to live in the Philippines. Included in the 13g is their spouse and any minor children.This is more for those who plan to live here on a permanent basis. Since you only plan spending 3-5 months in the Philippines, the Balikbayan Privilege will work for you both and any minor children. It is given at the gate by Immigration upon entry to the Philippines, as long as traveling together as a family unit. It is best to have at least a copy of your marriage contract or certificate with you, in the event it is asked for, which is rare but it has happened to some people.
Yes, you certainly can get your SS from the USA direct deposited to your Philippine bank account. I am still two years from that point but I have many American friends who receive their SS here and they all receive it on the 3rd of every month, regardless of their birthday. The major Philippine banks can be utilized, such as BDO, BPI and PNB. Perhaps RCBC as well now since RCBC North America is in operation Stateside.
There is also an SSA office in Manila, which is connected with the US Embassy. The USA Embassy staff, SSA staff and VA staff also hold outreaches yearly in the Philippines in other cities. In Bacolod City, they usually come here in April every year and are at the L’Fisher Hotel for one day.
Regards,
~ Gary ~
Thanks Gary
Thanks gary for your reply your information is very helpfull.Would my wife need to apply for dual Philippine citizenship (R.A.9225) if she wants to and how would it affect her US Citizenship? I would need to apply for a 13a visa so if I want to stay there all year? Or like you said before get a BALIKBAYAN PROGRAM If we are only stayiong there for 3-6 months a yr.
Its kinda confusing alot to figure out.
I hope you can set things straight.
Thanks Alan
Moved to forum…
http://forums.retiringtothephilippines.com/discussion/48/philippine-visa-questions
Thank you for this info! I am currently 33 and an Australian citizen. I have been to the Philippines once and loved it!! Just to clarify something…. By depositing $20,000 into a bank account… The interest earned and the upfront deposit would be enough to live on indefinitely?
You are welcome. No, with that type visa, the deposit would remain as such until you cancel the visa and the interest would not be all that even on $20,000. In 2014, best to have at least $1,000-$1,200 per month to live on, in a small town or mid size city. That amount would not be much in Manila or Cebu City.
~ Gary ~
Dear Mr. livinggringoLuke,
In addition to Mr. McMurrain comments, the qualifying age is 35 yrs. and above.
Hello Gary,
I live in Texas and want to move to the Philippines on the SRRV program. I was told I must go to the Philippines to do this. If so what do I need to get done here in the US, and is it difficult?
Hello John,
Yes, it is true you can only get the SRRV at the Philippine Retirement Authority in the Philippines. There is paperwork you can get authenticated by the Philippines Embassy or
Consulate that has jurisdiction in your area of Texas. Such as the police clearance and medical examination. The Philippine Embassy or Consulate can also provide you with the latest information about the SRRV. The forms for the SRRV can be downloaded from the Philippine Retirement Authority website, easy to find online.
I wish you all the best!
~ Gary ~
Hi Alan,
Yes, it is sometimes confusing and I never claimed to be an Immigration Attorney, although I keep up with the latest from a good friend, who is indeed an Immigration Attorney in Bacolod City. Things change in both the PRA and BI all the time these days. I am working on a new article right now about another option concerning the SRRV and it will be out within the next day. To avoid any misinformation, I still have a few phone calls to make with an SRRV rep in Luzon to get the latest, breaking news.
To keep things simple, if your wife is naturalized in another country and has a foreign passport, she and you, as spouse, can enter the country under the Balikbayan Program and stay up to 12 months. In some cases, it can be extended longer at your local BI in the Philippines. I know it is allowed in Bacolod City CI and you don’t have to downgrade to tourist status or visitors status.
Since neither of you plan staying in the Philippines longer, this program is ideal for your needs, in my opinion. A former Filipino does not have to remain outside the Philippines one year to avail the Balikbayan Program, as the privilege is granted every time they exit and re-enter the Philippines. A good friend in Houston, Texas, and his wife have availed this program for many, many years.Without a single problem. If asked during the first time usage, an old Philippines passport, a Philippines Birth Certificate or Naturalization papers to show Philippine citizenship at the time.
I hope this helps.
~ Gary ~
Hi Gary,
I just renewed my Tourist Visa and got a little info you may want to pass on: (1) you are right about the 30 day visa at the gate. (2) within 30 days you must renew for (a) 1 month (b) 2 months or (c) 6 months I don”t know the cost of 1 or 6 month renewals are but for 2 months the total is 2830 PHP (3) the most significant change is that we are now allowed to stay in the Philippines for 36 months (yes, 3 years) without taking that short vacation out of the Philippines.
The only thing BI is interested in is seeing that visa stamp or entry permit in our passport when we get back so, for my last 2 vacations, I flew to Hong Kong late in the afternoon or evening, didn’t even leave the airport and came back on the first flight I could get the next day.
I have been here for 3 1/2 years now and even though I love America, It is going down hill FAST I only hope I die before it collapses completely OR my “wife” and I get our business going well enough to replace my SS.
About the SSRV: I cannot find anything about a requirement of having to stay in the Philippines for more than x days per year. Is there no such requirement?
And extending the SSRV / renewal of the ID: can that be done online / without actually going to the PRA ?
Hi Frank,
Both BI and the PRA have made changes recently and to prevent you from being mistakenly misinformed, I suggest going to the PRA website and getting that information first hand, as it is very up to date on the *insider* things. The PRA website is often updated, including how to contact a PRA Rep for a quick response.
Have a great day!
~ Gary ~
Hi Mr. Frank,
SRRV members enjoy the indefinite stay in the country. For renewal of the SRRV ID Card, you can renew it through courier. Just pay the necessary fees (USD10 for the ID renewal + courier service). You may refer to PRA website for more information on the SRRV or contact PRA’s number +632 848-1412. Thank you
Nazareth
I will be Retiring in in 8 years,,T am a US CITIZEN tru Naturalization.I would like to come home and be with my family once more -after Thirty Five years being away from all of them , I want to get to know them again . Buying a Retiment Home is also my option I am just lost what do I needed to do.-any advise from you I sure could use it….
I save enough to make sure I will be comfortable living as a Balikbayan.What are my “Option”.Pls. provide me with good suggestion .Thank You
Sincerely,
Charito Branton
.
Hi Charito,
You have several options. It is very easy to re-acquire your Philippine citizenship by taking an oath at the Philippines Embassy or Consulate in your area. The USA recognizes dual citizenship and our son is a dual citizen of the USA and the Philippines.In my opinion, this solves all concerns about length of stay without a visa and owning a retirement home and other properties in the Philippines.
However, re-acquiring your Philippine citizenship is not required, as even former natural born Filipinos can own property in the Philippines. Up to 1,000 square meters of urban land and up to 1 hectare of rural land. Building a retirement home would not be a problem.
If you still plan making an annual trip to the USA from the Philippines, the Balikbayan Privilege is ideal for you. It is valid for 12 months and never a fee. Every time you enter, depart and re-enter the Philippines, you can avail the Balikbayan Privilege.
If you have more questions, please feel free to ask.
Take care,
~ Gary ~
Hi Charito,
Kindly refer to the link below in case you will be building a retirement home. Mr. Gary is correct that even in a Balikbayan Visa you can purchase up to 1,000 sq.m. of urban land OR up to 1 hectare of rural land for RESIDENTIAL PURPOSES (Batasan Pambansa 185). But under Republic Act 7042 as amended by Republic Act 8179, you may purchase up to 5,000 sq.m. for urban land OR up to 3 hectares of rural land for BUSINESS OR OTHER PURPOSES.
http://www.philippine-embassy.at/attachments/article/66/Land%20Ownership.pdf
Thank you and regards.
Nazareth De las Alas
Philippine Retirement Authority
Hello, Gary ! First-time reader to RTTP and glad I decided to look you up. I plan on retiring to the Philippines in September of 2016 and was reading your article on SRRV’s. How soon in advance of my arrival should I apply for it ? And also, are the medical, police, and NBI clearances things that I address before I arrive or after ? Are they questionnaires that I fill out and return to the proper agencies, or are they face-to-face interviews ? I look forward to becoming a regular reader here and really appreciate your feedback.
Hi Stan,
You can only apply for the SRRV in the Philippines at this time, however,BI now gives foreigners 30 day stamp in the country in your passport when you arrive at the gate, so that should be enough time to get the SRRV. The NBI clearance must also be obtained in the Philippines.
The local police clearance has to be obtained in your home country and it has to be authenticated by the Philippine Consulate or Embassy in your district. It is my understanding it can be done by mail or courier.
I suggest reading my recent article on RTTP about the Special SRRV for Vets, even if you are not a vet because the contact info in that article with the PRA reps is current and they can tell you about the interview. Especially about if the medical exam can now be done in the Philippines.
I can be honest, Stan. things sometime change in the Philippines within the next 5 minutes and it has been like that here since 1986! Concerning the requirements within the govt agencies. It also depends on which govt official you talk to and which office they are in. My information about the contacts are accurate.
I wish you the best!
~ Gary ~
Hi Gary,,,i plan to move to philippines this july,,my question is,,can i get a one way ticket only from US to Manila then my exit ticket is manila-hongkong?is that ok? when i get to philippines,can i renew my visa right away for 6 months extension after a week of my arrival?thank u
Are you saying if I marry the 13a visa is the way to go over the PRA visa?
Yes, Stan. If you marry a Philippine citizen, the 13a is the way to go. A deposit is not required as in the SRRV with the PRA. The 13a is issued by the Philippines Bureau of Immigration and not the Philippine Retirement Authority.
~ Gary ~
Thanks Gary…Im looking into the forms now and it appears that there is a one year probationary period , then I have to do the whole process over for permanent. Can you give me some kind of time line from the time I get married this June to when the temp will go into affect? For example can I get my temp that same day if I have all my documentation?
Hi Stan,
Govt processing does not move that fast in the Philippines. My wife filed for my 13a in December, 2009, and it was approved in February, 2010. My Balikbayan privilege was still valid until June, 2010, so no need for me to extend any visas. If you arrive on the tourist visa, you will have to extend it every other month until you get your 13a Visa. Yes, it is 12 months probationary. If in Manila, you can get a 6 month tourist visa extension at their BI but still the same cost as if you extend every other month, only more convenient. At this time Manila BI is the only immigration office that can grant the 6 months tourist visa.
I hope this helps!
~ Gary ~
Thanks for your website Gary…I hope you hold my hand until I get settled in the Philippines. In regard to time lines – you stated it could take up to three months for the immigrant visa. What is the time line once you apply for PRA visa to the time you swear in?
Gary…How difficult is it to get married in the Philippines? My girlfriend wants to get married by a Judge not in the church. She is requesting I send a copy of my passport, birth certificate and pass divorce papers along with Php 10,000. To get the paperwork in order so when I arrive we can get married. This is because when I go back in July I can only stay a week and the processing for the paperwork might take up to 2 weeks. So, she wants me to do this so things will be ready when I arrive. Does this sound correct to you? Please answer I need you Gary!
How about medical care??? I’am on Rail Road disability and medicare. If I require medical attention can I utilize my medicare part a and b? I’am also a chronic pain sufferer and require medications for my condition is there any hassles and are pain clinics available in the Phlllipines???
Good question…I am concerned about medical also…Well Frank?
Hi James and Stan,
Medicare is useless in the Philippines at this time, however, it could be changed but when is anyone’s guess. There are more than 300,000 US citizens residing in the Philippines and there is a lobby group in Washington, DC, trying to get at least 4 Philippine hospitals certified for Medicare.
Medicare is valid in Guam and a number of expats go there to use their Medicare, which is not very far from the Philippines.
I recommend Caritas Health Shield in the Philippines, which accepts some pre-existing conditions. There are some health care insurances available in the USA and perhaps in other countries as well, which are valid in the Philippines. I don’t know which ones, however, and just takes some research on the net.
Gary
If you plan to retire in the Philippines with a Filipino spouse who naturalized to a foreign country (USA) and planned to travel often would the SRRV be better or the 13a Visa? Would your spouse have more trouble with immigration than just keeping sole US citizenship?
Hi Susan and Aaron,
The 13g Visa is is an immigrant visa issued to a natural born citizen of the Philippines, who has been naturalized in foreign country. [As amended by Republic Act No. 4376].
The foreign spouse and unmarried minor children of the natural born citizen of the Philippines, who has been naturalized in a foreign country, can also qualify for the 13g Visa. Getting the 13g Visa would be my recommendation if you want an actual Philippine Visa for residency.
However, if you plan traveling in and out of the Philippines often, the Balikbayan privilege is free of charge and is issued at the gate by BI when entering the Philippines. It is valid for 12 months and given at every re-entry even if 12 months has not passed upon the initial issuing.
A former Philippine citizen, who has been naturalized in another country and is holding a foreign passport qualifies for the Balikbayan privilege, as well as their foreign spouse and minor children. They must be traveling together and entering the Philippines together.
Gary
Hi Gary,
I’m an American citizen married to a Filipina but she is not a US citizen nor a resident in America. Can she get my pension in Philippines? How can i apply for this? I have learned that i don’t have to deposit 10,000$ with a 13a? and with this, does my wife be able to get my pension in Philippines?
I need idea about such things….
Thanks!
Frank:)
Hi Frank,
Your wife must live in the USA for 5 years to be entitled to any of your Social Security benefits. Otherwise, she cannot collect anything.
However, you can make investments in the Philippines that she can access. RCBC Bank has several excellent investment plans.
Gary
Hi Gary,thanks for all the information you give to everybody,i would like your help too.am separated,australian ctizen but currently live in Cyprus,am qualify for the deposit as I have 60,000 euros in the bank but my monthly pension here is only 650 euros a month,wil be increased when I get 65 next year and apply for the Australian pension too.I met this woman from Davao city 2 years ago and both trying to find a way to join our lifes,she owns her house.Can you please help.Thanks George.
Hi George,
When you enter the Philippines, you are given 30 days at the gate now to stay in the country. That gives you time to get to the main BI office in Manila and apply for the Long Stay Visa, which is basically a tourist visa that is valid for 6 months. This will prevent you from extending the tourist visa every 2 months. The tourist visa can now be extended up to 36 months before you have to depart the Philippines.
If you and the lady you met from Davao are able to marry, she can file for your 13a Visa, which will allow you to remain in the Philippines forever, without ever departing. There is also the Balikbayan Privilege. Every time you and your wife travel outside the Philippines, you are given the Balikbayan stamp in your passport, valid for 12 months.
I hope this helps.
Gary
Now hold on…I’m an American Citizen planning to marry a Filipina I have to go to the American Embassy in the Philippines to get an affidavit in order to marry. What gives here? – because I understand they don’t have to give me one if they think I am marrying to bring someone to the US…Can someone please set me straight on this!
Gary…you didn’t answer my question from May 10th at 9:14…Are there scams involved with people sending paperwork about themselves to the Philippines?
Stan,
I am sorry that I missed your original question.You will still have to appear in person at the US Embassy in Manila or the US Consulate in Cebu to get the Certificate of Legal Capacity to Marry in the Philippines. You will need to submit your divorce papers to them. If I am not mistaken, you also have to appear in person for you and your fiance to get the marriage license in her city or town. Regardless of that, there is a 10 day waiting period before the marriage license is issued. I really don’t think you can pull all this off within only one week, Stan. I guess your fiance could pay a fixer about the marriage license but sometimes those things come back to haunt you somewhere down the road. My suggestion is to take your time and do things correctly, so no problems.
Gary
Hi Gary
I`ve read a number of questions here and your answers to them.
I have been corresponding with a woman friend in Jeddah, Saudi Arabia where she works but has her home in Cavitte Philippines. So we have talked on the phone many a time and talking lots about me relocating to the Philippines when she leaves Jeddah SA. to return home.
I plan on visiting her country first for about 1 month and then decide whether or not it`s the place for me to retire for me or not. I`m getting plenty of information , positive information about retiring there. I can almost say that i can not afford retirement here in Canada when the time comes.
Thanks Gary…I’ll be in the Philippines in October to start my new adventure. Some American Philippinos tell me if I stay in province to get fence, dogs and guns! Wow, sounds like the wild west.
You are welcome, Stan.
A fence or wall, dogs and guns are pretty common in in cities but it just depends upon where you live, which province or city, as to if those are really needed. Those items seem to make people feel safer. Filipinos and expats a like. I agree that they are deterrents. Even in many places in the USA.
Gary
Hi Stan.
Ive lived in San Fernando which is North of the Philippines for about 18yrs I have a dog but no gun you don’t need a gun and if you had one it could give you more problems than you need if you were to use it I’ve always felt safe and have only ever had one problem in all those years and it was really down to my complacency.
Good Luck Happy Days enjoy your new life there.
One thing that is not mentioned in all the retirement discussions is that the PRA has a pilot program where American military veterans can now qualify for the SSRV Courtesy visa. They have to have an honorable discharge, have their DD214 in hand, and have a pension of at least $1000 month, plus meet the $1500 requirement and age requirement listed for the SSRV Courtesy visa
Allen – Thanks for your comment.
Gary actually wrote an article about exactly that topic back in February 2014.
You sound like you’re already familiar with the details but for those who aren’t, here’s the link to the article
Steve
I am worried about the gun thing. I am from a no-gun area (Europe). Only police and army has guns there. If locals have guns, criminals have guns too. What is the actual situation?
I would venture to say, Peter, that even in no gun areas, criminals have firearms. They have the means to obtain firearms illegally. It is a known fact the world over, if a gun ban goes into effect, *some* law abiding citizens will turn in their firearms but criminals *never* give up their firearms.
~ Gary ~
Hey Peter…Why don’t you buy a gun? Chances are you don’t need it unless you live out in the country or near NPA (New Peoples Army). That’s why the family unit is important in the Philippines. There is Strength in numbers.
My questions was not if I should buy a gun (and be prepared to use it). The questions is, if there are any safety issues.
BTW: Why do I need a gun if I live close to the army? Do you say I might need to kill them? 😉
Hi Gary, I am since last year (october) a SRRV member.my question is how to get the interest from the 20000USD deposit in DBP bank?How much will it be?Can I get it in DBP branch in Ormoc? I live in Baybay,Leyte…Thanks
as far as i know a foreigner cannot own a gun in the Philippines, i have a pump shotgun in the house that belongs to my wife’s cousin, a former security guard i would not take it out side but would use it in the house if need be
As a foreigner, you cannot legally buy a firearm or possess a firearm in the Philippines. However, your Philippine citizen partner can, as long as they qualify. You can also use the firearm in an emergency. As long as the firearm was purchased properly, registered and licensed, it is not a problem.
~ Gary ~
What restriction bringing foreign currency to make a house purchase?
Good question…As a tourist from US I’m restricted to bringing $10,000 on my person into the country. Interestingly enough my bank restricts me to transferring a certain amount a day and weekly. So, I might as well open a bank account and have the funds transferred.
There is not a restriction on bringing more than $10,000 USD into the Philippines. The Law is, you must report or declare if you are bringing more than $10,000 USD into the Philippines. If you do not report it or declare it and you try bringing more than $10,000 USD into the Philippines, it may well be confiscated. No need to travel with that much cash in many instances.
If you have a bank account in the Philippines, you can write a check for any amount on your foreign bank and deposit it in your Philippines bank account. It takes up to 3 weeks for the Philippine bank to make the funds available to you.
However, if you have more than $10,000 USD in a foreign bank account, you must declare it to the US Govt, IF you are indeed a US Citizen.
~ Gary ~
Do you know typically what the banks caharge on the exchange rate?
Stan – Are you asking what the exchange rate is between your currency and the PHP?
If so you might find this site useful: XE.com
Wow Gary I don’t have a lot to ask, you have answered so much, I just wanted to thank you for having a great site.Enjoy reading it. JC
You are welcome, 58zapper. and I am glad to be of help. I am happy you enjoy reading my articles on Retiring to the Philippines.
Have a great day!
~ Gary ~
Steve – Thanks for this site – is this the service you use…or others out there can you recommend this service as opposed to USforex.com
I believe they’re all pretty much the same and give you the correct exchange rate. Each bank will tack on there own charges so rates will vary. I usually use a money exchange rather than a bank as their rates are usually better. You’d have to do your own due diligence and find a money exchange in your area. – Steve
Steve
We managed to buy and pay our 4,5M Pesos house in BCD thru my Finnish bank and it took only five days to have that sum on the account of the seller in BDO.
Now I’m pondering if that property which title is holder is actually my dual citizen son will do the same thing as 10 000 USD in a Phil bank account? The title holder is my son because I cannot buy a property in Phils in my own name.
I only have experience writing a personal check on my Florida bank and depositing in our bank in Bacolod. This process takes about 17 days for the money to be available in the Philippines.
~ Gary ~
i understand the pension requirement other then most people do not receive a benefit until they are 62 and the program starts at 50 so what am i missing
Kurt,
US Military pensions can start after 20 years of service. Someone who has retired at age 39 starts receiving their military pension for life. Law Enforcement Departments and Agencies in the USA vest their officers after 10 years of service. The pension can kick in at any age, even age 29, when the officer retires from the force or agency.
There are also many different company pensions.
~ Gary ~
Gary, Thank you for writing and keeping the US ex pats up to date on the goings on in getting to and providing us good information concerning Life in the Philippines. Life has to be so much simpler there, than here in the US!
Dear Gary,
With SRRV smile, can we do business in Philippines? How much do we need the investment? I know foreigners are not allowed to do retail business.
What are the kind of businesses foreigners are allowed to do? what is the amount? some where i read foreigners are allowed upto 50000USD in tourism while in the other they need 70000usd(without SRRV).
Further, what about f we to do the missionary work?what are the requirements?
I appreciate if you could clarify
Joshua
Joshua,
The PRA often makes changes to the various SRRV programs and I suggest contacting them personally, as they also help you with investments in the Philippines.
BI issues a visa for missionary work but you must be sponsored by a church or religious organization that they recognize as legitimate.
~ Gary ~
THANK YOU for all the wonderful information that you provide here. I am going to marry my fiancee early this next year. I WILL retire to the philippines. I am a honorably retired US military veteran. You provide MANY useful tips and websites here to help us. Thank you again. I will also take advantage of you Consultation service soon. I have a couple legal questions that need to be answered. Gary and Steve are valuable resources for those interested to retire there.
Thank you, Mitchell. Your kind words are much appreciated.
I look forward hearing from you again and I am more than happy to assist you.
Have a great day.
~ Gary ~
Since the poster is going to marry a Filipina he can get a 13 A visa. Which is much better/cheaper than an others for a permanent visa.
Rusty
Hi Gary, I am planning to be in the Philippines and apply for a classic SSRV visa in Manila while being there as I intend to spend more time/frequent stay in the Philippines.
My question is whether you still need to apply in person to the PRA if all docs/passport are provided (seems requirement is to be there to pick up visa/ceremony once ready)? Many thx in advance for your advice
HI Shun,
It is my understanding that an appearance in person is required when applying for any of the SRRV programs.
~ Gary ~
Hi, Gary
Re the $7000 tax free household items one can bring into the Philippines on a SRRV Classic visa.
Do you know on what basis Customs would calculate this on?
Items we might bring in will be several years old. Do they take that into account or is everything calculated and valued as new regardless of age?
Great website
Many thanks,
Thank you, Mike. The Philippines Bureau of Customs, BOC, is having lots of problems and they are on their 24d Commissioner during the last 5 years. It’s a mess. I have no idea what they are doing now.
It is best to contact the PRA, as they will have the latest up to date information about the $7,000 tax free household goods allowed in with the SRRV Classic.
I wish you all the best. Take care,
~ Gary ~
Thank you Gary for your advice.
I have another question please. My family plans are to retire to the Phils on an SRRV visa in couple of years. We intend to do some part time voluntary work with animal rescue organisations in South East Asia. so using the Philippines as our base. Can you tell me with the SRRV Classic visa do we need to return to the Philippines at any such stage in any one year to register or renew anything? It would be nice to know if we can truly come and go as we please.
Great website, great service, I will be buying your book on visa’s
I’m considering retiring to the Philippines as I’m losing my job at 59 due to a plant closing in a few months. If I understand correctly, I’d have to put $10,000 on deposit I couldn’t then use? Are there any restrictions on working to supplement my income if I’m on a retirement visa? My pension income would be just under the $800 per month requirement, though I’d have more than the $10,000 from my 401K. Also, I have relatives (cousins) who are Filipino citizens living there, if that makes any difference. Thanks!
Hi Beverly,
There are different SRRV programs with the PRA. With several, you can withdraw your deposit and use it for investment, approved by the PRA. However, you will need more money to go with it, as the investment must be at least $50,000 USD.
There is also the tourist or visitors visa, which can be extended up to 3 years before having to depart the Philippines and start the process all over again for another 36 months.
You can work if you have the SRRV and the PRA will help you get the employment permit. However, please keep in mind that unless you are working for a foreign company, you will be paid local wages, which are low. Example, I was offered a job as an English teacher and the pay was only P15,000 per month. No thanks!
Some call centers hire foreigners but the pay is somewhere in the neighborhood of $600 per month but could be higher. It just depends on the company and the location.
I wish you all the best.
~ Gary ~
Mike,
There is an annual fee to pay to the PRA for having the SRRV and you can check with them to see if it has to be paid in person.
I have the 13a Visa and BI requires me to appear in person within the first 60 days of every calendar year and pay P310, yes pesos. They want to see me in person. Unless I have a note from an MD, I must appear.
~ Gary ~
Hello Gary, I am considering moving to the Philippines, My income is Military disability pension and it is more than $1,100 per month. But the $10,000 is going to be impossible to come up with. With the job market here so bad I live only on that pension, I know I can live far better there on the amount, is that the only way I can live there by having $10,000 or is there another way. Thank you
Hi Robert,
There was the Special SRRV for Veterans,,which only required $1,500 deposit. You don’t have to be retired military but you must have served, not necessarily in the Philippines. You must show your DD Form. I suggest contacting the PRA, Philippine Retirement Authority online and inquiring if they are still issuing the Special SRRV for Veterans.
There is also the Philippine Tourist Visa, which you can get in the States at the Philippine Consulate which serves where you live. Of course, you can also get it here in the Philippines at the Bureau of immigration.
I wish you all the best.
~ Gary
My uncle is a US citizen. He intends to retire in the Philippines.
He would like to bring his vehicle and other personal effects to PH. I was informed that he could do so “tax and duty free” as long as he intends to retire here?
What steps should he take?
1. Is there a need to apply for dual citizenship?
2. Can he simply retain his US citizenship and get a retirement visa?
I am a US citizen and is planning to go back to the Philippines for retirement. I still have a sister and a brother in Lipa City and would like to stay there permanently. What are the requirements for the SRRV Courtesy? By the time I retire 2 years from now, I will probably be receiving a monthly SS benefits of $2200. I am aware that there is a requirement to deposit $1500 in a Philippine bank which is not a problem for me. Can I bring my personal properties with me like my car, furniture, appliances, etc. with me “tax free”? Please advise, thanks.
Aida – Thanks for your comment.
You can find answers to both your questions right here on RTTP. You can take a look at this article regarding your visa question and this one regarding your importing question. I’ve never personally done either as I’ve had no need but perhaps one of our readers with first-hand experience will comment.
A word of caution though. Never trust anyone that is a self-proclaimed expert in this niche. If the person offering the so-called advice is not talking about their own personal experience then I would take that advice with a huge tablespoon of salt.
Good luck and I wish you all the best.
Steve
Because of you we’ve learned a lot about retiring or moving to the philippines. Thank you,
Aloha all,
Will be retiring at the end of 2016 after being ‘on the job’ (LE State of Hawaii: Marine Patrol Ofcr, Deputy Sheriff and Conservation Police) for 25 years. As planned for 20 years plus+, will be moving semi-permanently to Bohol. Philippines born/US citizen wife (dual citizenship) and I both qualify for SRRV Courtesy VISA (She: Balikbayan; me: Diplomatic (US Peace Corps/Bohol). Have leaned towards this program due to the perks. 13g VISA sounds attractive. Why should I pick the 13g over Courtesy VISA?
Regarding perks with SRRV Courtesy: They promote the exemption for the first $7000 0f goods ( applying separately, it appears we can do $14,000). Question is: Does the exemption extend to an exemption to be able to bring in a USED vehicle or motorcycle?
God willing, we’ll run into you all soon.
Mahalo,
Scott and Dolor
Hi Gary,
I am on the Non Quota Immigrant Visa 13a visa, I am leaving Australia to retire in one of provinces soon with my Filipina wife who currently resides there in the province.. I am a very keen competitor shooter of pistols and rifle target competition and hunter for the last 43 years.
I read lots of articles saying that foreigners are not allowed to own any firearms for competition, hunting and self protection legally. How true and up to date is this information.Gary ?.
I would really be disappointed if this is true as competition shooting and hunting made up 43 years of my life and I am a very law abiding citizen.
Awaiting your reply Gary,
Regards
Victor,
Victor – Thanks for your comment. Gary is no longer connected with RTTP but I can answer your question. Foreigners are absolutely not allowed to buy or own firearms under any circumstances. Gun laws in the Philippines are getting stricter so I wouldn’t expect any changes any time soon. http://www.rappler.com/nation/92351-gun-owners-philippines-pnp – Steve
I didn’t know Gary was no longer connected with RTTP…WOW
My question…… Does being an expatriate affect my ability to collect social security from the US?
Stan – There’s plenty of US and other nationalities over here who still collect their SS. I know Gary was very excited because next year he can finally start claiming his SS. – Steve
I am a former retired USA navy Pensioner in receipt of a 100% VA pension also I have heard that I can acquire a permanent resident visa for $1500 is that true & if so how & where do I apply for this program.
Darren – You may find this article of use http://retiringtothephilippines.com/living-in-the-philippines/new-courtesy-srrv-veterans/
Steve
Just to be different I am a 55 year old UK national (born in UK) and from November 2015 am taking an early retirement company pension of let’s say £1000/us$1600 month and wish to obtain the Classic SRRV Visa, and can easily afford to tie up us$10k (£7k) and pay the upfront us$1400 visa fee
I have been a regular visitor to Philippines since 2000 for 2-3 visits and 8weeks each year
I am just unsure what the PRA guidelines I read means/requires for following Docs?
A)Medical Clearance ? (No idea what is wanted or obtainable from UK !)
B)Country of Origin Police Clearance (No idea what I can get from UK ! )
C)Pension Certificate (no such thing only a letter from my Ex Company if I ask ! )
Reading the earlier posts it seems I must get any docs signed and/or stamped by Philippines Embassy in London AND then travel to Manila with them as original+authenticated to apply for SRRV
Also do I apply with just passport stamped 30day VOA or do I need obtain the paper sticker extension first
At what point do I need to deposit the $10k and provide the $1400 fee ? In fact what do I need to have to open the bank account to put the $10k into?
Could be a rush as visiting next at end of November so would like to apply for the SRRV this December or early January whilst there
Colin – I’d suggest starting a dialogue with the PRA by filling in the application form online. Regarding your pension you’ll also see on that page that it says ‘Certification of Retirement Benefits issued by the concerned government and/or private entity authenticated by the Philippine Embassy or Consular Office is needed’. It says ‘Certification’ not ‘Certificate’ so a letter from your employee that’s been authenticated will be fine.
You should try to find out locally if you can obtain a medical clearance but if not you can get a medical here and that will suffice. You can get a UK Police clearance online too. They make it so easy for you it’s almost as if they want you to leave the country!
The other thing to remember is nothing ever goes as smoothly as you’d like… especially over here. Be prepared to do a lot of running around and above all, try to keep calm. I’ve told other guys that and they seem to think I’m joking but trust me. When you’re dealing with bureaucracy and the humidity, it can be a lethal combination. 🙂
Hope that helps
Steve
Hi there
I’d like to ask if a srrv holder can start a business on the Philippines or he needs a Filipino citizen to start a business!
Thank you
You might find this link useful… http://www.pra.gov.ph/main/business_oppurtunities?page=1
If you deposit the required amount of money, say $20k for myself and then $15k for my wife and we stay a year or so and decide to leave? Dumb Question, do we just withdraw our money and get it back?
Thanks,,
Rich – Here’s a direct quote from the PRA official site regarding withdrawal of funds…
“Must be maintained with the PRA Designated/Accredited Bank and may only be withdrawn upon cancellation of the SRRV or to satisfy end of terms needs or catastrophic obligations.”
So if you cancel your application or visa then you can withdraw the funds.
Hope that helps. – Steve
Hi Steve, my wife and I (both NZers) have retired, moved to Dumaguete a couple of weeks ago, have leased a house and bought a car. Currently renewing tourist visas (around 3000p each, for a month). I have had considerable experience and received accolades across wide areas in the visual arts (artist, curator, gallery director, museum director etc) – can you advise what ‘documentation’ is necessary in order to apply for an SRRV Expanded Courtesy visa?
Paul – The only information I could find regarding the SRRV Expanded Courtesy visa was a PRA circular from 2013 that lists the new expanded recipients. I’m sure you’ve seen it but just in case here is the PRA circular from 2013.
It seems a bit vague to me and I’m not sure how you would prove you were a “High achiever in sports, arts and business”. The only documents they list are the same documents that anybody else applying for an SRRV is required to provide. I assume they must have some criteria in place to prove you’re a worthy recipient, but they don’t make it clear. They’ve obviously expanded the SRRV to a much wider audience which tells me they’re actively looking to give the visa to as many people as possible.
The best thing to do would be to contact the PRA directly and ask them about your specific situation. That way you’ll be assured of a 100% accurate answer.
Hope that helps Paul.
Steve
Thanks, Steve. I’ve come to a similar conclusion, ie, widening the field. After all, we do contribute to the economy… I’ll be writing a “biography” which I’ll send to my contact at the Australian National Gallery to copy and endorse. Coincidentally, she’s currently writing a book on certain aspects of Filipina art which I’m helping her with, as required. Thanks again for your input; I’ll let you know how I get on.
So I am considering living in the PI 4 to 6 months every year in the near future. I became a US citizen in the 70’s, during Martial Law. I was born in the PI. Should I consider getting a retirement visa? I travel to the PI under a balikbayan (returning resident) entry into the country without a formal visa today.
What are the advantages of benefits by acquiring an SRRV Courtesy visa? My plan is to move around during my retirement and although have never been to Dumaguete, that is where I am considering spending my time. I plan to visit there to check it out early next year. Thank you all in advance. I just joined this site.
CB,
I am a Filipina married to an American. I received my US citizenship in the States. Then when I came here I reacquired my Filipino citizenship. I now have dual citizenship. If one reacquires there Filipino citizenship they can keep their US citizenship.
I came here on a BB visa. My husband had a 13 A visa. He received his 13 A visa, which is a permanent visa, in the states. It is better, and cheaper, for one to get their 13 A visa in the states.
The 13 A visa is what others should get.
Elizabeth
Thank you Elizabeth,
My wife is also a Filipina who also acquired her US citizenship many years ago. Elizabeth, if you don’t mind my asking, what kind of benefits do you receive with your dual citizenship?
cB
CB,
They say Dumagete is very nice. We haven’t visited there as yet.
Elizabeth
I have never been there myself, but recently read the article from Forbes Magazine. I am thinking of visiting for a couple of days after the new year. I was looking at cost of living information from “Live and Invest” and it gave various cost of living comparisons between Tagaytay, Cebu, Dumaguete, and Olango Island. All very reasonable, but interesting to note that under the section of electricity, all except Dumaguete, stated no air condition installed. I wonder why?
Salamat Elizabeth.
I don’t know why it would state there isn’t A/C in other places than Dumagete. All places, that want it, have A/C. We live on the island of Bohol, which is very rural, and we have A/C 24/7 if someone wanted it.
Cebu definitely has all the A/C it wants. We’ve traveled to Cebu many times. It’s nice to go to Cebu and then nice to return to Bohol. We get away from all the traffic in Cebu.
Dumagete has something like 8 universities. Lots of malls and other places of interests. They do say Dumagete has drugs but so do all the other islands/places in the Philippines.
The mayor of Davao City runs a tight ship. So drugs probably aren’t to prevalent there. Imagine Davao City is the biggest city in the Philippines yet the mayor is able to enforce the laws. Boom, he is respected. Good thing his daughter, hopefully, will take over when he leaves office.
I hope he runs for President of the Philippines so I can vote for him.
Elizabeth
Thank you Elizabeth. I understand. I migrated to the US back in 1961 when still young and didn’t return (to visit) until 1973. Now I try to go back once every 3 years usually so my wife can visit her relatives in Manila.
CB,
My husbands brother’s initials are also CB. Anyway, you asked what benefits I get with being a dual citizen. Well, most people wouldn’t understand it but being a Filipino citizen again means so much to me. It is something that is hard to explain. I can vote again. I hope Duterte runs for President.
I guess you’d say if someone who really loves the Unites states, like my husband does, were to lose his US citizenship then he’d be lost. Some people don’t care about their U. S. citizenship but my husbands does. He says like Trump.
Elizabeth
Hi
My Philippine fiancé and I plan to marry before retiring to Philippines next year. I am anticipating that the 13a visa is the best option, but would like to know the advantages/disadvantages of this over the Balikbayan visa.
On another matter…..I appreciate that a foreigner cannot own land, my question is can I have my name added alongside that of my wife, on the title of the house that we are building? If so what protection does that give me in any tragic situation such as the death of my wife. Would that give me the right to keep living in the house and would I be able to pass it on to my English children on my passing?
Thanks
David – As a foreigner getting involved in property in the Philippines you are heading into a minefield my friend. I did a bit of research and was going to translate here for you but I started to get a headache 🙂 Here’s the direct link…
http://philfaqs.com/i-heard-a-foreigner-can-inherit-land-in-the-philippines/
Take care and tread lightly.
Steve
The 13 A visa is permanet. Once you get it you won’t have to leave the country unless you want to. The BB visa expires after so long.
I advise you to get the 13A visa in the States. You can get the 13A visa herebucosting more. If you wait to get the 13 A visa here there is a one year waiting period before you can file to get the 13 A permanent visa. In orther words here you’ll file for the 13A visa and then wait a year before filing again to get it made permanent.
About property: Basically Filipinos own the property and foreigners own a stick on the property. If your children are dual citizens, or Filipinos, the property can go to them
A balikbayan is only good for one year. If you extend, your status will then be Temporary Visitor. 13a is permanent…..better option. Get it done in the US….you’ll get the permanent visa, as opposed to a one year probationary, if done here.
If you buy a home, as a married couple, you name will appear on the title by default. Your name, on the title is more an identifier that your wife is married to an American. The Philippines view married couples as one entity. The house can not be sold without your signature. If you have left the marriage(separated), she does not need your signature to sell the house, but you will definitely need her’s. The Philippine Constitution prohibits a foreigner from having “control” of land.
What the residency requirements for the retiree visa? If you got it, do you need to be in the Philippines for a minimum length of time, or could you live elsewhere for most of the year.
Also, where do you get the NBI clearance? If you have police clearance from your own country, why do you need it?
Clay – As far as I understand there are no residency requirements but if you’re not planning on actually living here then the SRRV might not be the best visa for you. I know guys who are just using a tourist visa and coming back and forth as they wish. It’s much cheaper and easier to obtain.
Regarding the NBI clearance, you only need to get one if you’ve been here for longer than 30 days. I’d say they just want to make sure you haven’t broken any local laws during that time and appeared on the NBI’s radar. Seems like a reasonable precaution to me. To get the NBI clearance you would need to go to an ‘NBI Clearence Outlet’ closest to you.
Hope that helps.
Steve
The 13 A visa is the cheapest way to go. Over time the tourist visa adds up. At least I think so.
Get the 13 A visa in your home country. It is much cheaper to get there than here. Actually the fee for the 13 A visa is the same in the States as in the Philippines. However, in the States one doesn’t have the travel expenses, or waiting time, that is required here.
Rusty
Rusty – The 13a visa is only an option if you’re married to a Filipina. Clay didn’t mention anything about being married so I’m assuming he’s not, hence my suggestion about the tourist visa.
Steve
Steve,
Yes, your right about the 13 A visa being for married people. I forgot to mention in my post that your advice was right on.
When I’d said a tourist visa adds up I was thinking about someone we know who keeps renewing his tourist visa. He is married to a Filipina and could, as I’ve told him, acquire the 13 A visa. But he thinks the tourist visa is cheaper. He’s been here for 5 years and just keeps renewing the tourist visa.
Rusty
Why getting a SRRV was a mistake for me.
I got my SRRV in 2011. The initial cost of the application / medicals / police checks etc…nearly 2000 USD.
I invested 20k in the assigned bank, which initially gave me a yearly interest that just about covered the 360 usd annual card fee. Then the PRA changed the rules so that I would only get about 10usd interest per year. In 2013 I took my 20k of the PRA cancelled the visa. Now I get 1,200usd interest per year and live here on a tourist visa extensions that cost of about 450 usd for the first including the ACR card cost…less for future years, just need to fly overseas after 16/24 months
Wow, The SRRV fee is outrages. You were wise to do what you did. I hope more people read your post and did what you did.
I am married to a Filipina so the 13 a visa was right for me.
Rusty
Yes, the SRRV is very expensive compared to just extending a tourist visa. Also, after I got my SRRV they extended the tourist visa from 21 to 30 DAYS, plus they kept more of the interest earned on the 20k usd locked into their bank scheme. Very little benefits over tourist, eg you don’t need an onward flight out of the Philippines and there’s no travel tax if you stay in the Philippines over 12 months,for SRRV. Ironically, it’s supposed to be easy to get a work permit if you have the Retirement visa.
Since I’m married to a Filipina I have the 13 A visa. It is best to get the 13 A visa in the States or I guess it can be done in foreigner’s (Germany, etc.) home country.
If one waits and gets the 13 a visa here it really adds up to be much more that they’ll have to pay. In the States I also didn’t have the one year waiting time that is required to get the 13 A visa in the Philippines.
Rusty
HI Rusty Where did you get your 13A from in the states. Thanks Laurie
I downloaded the 13 A visa form. I’m sure I went to Google and typed in 13 A permanent visa form for the Philippines.
After completing it I sent it into the Philippines consulate for the area I lived in. I was living in Vegas so I sent mine to the Los Angeles Philippines consulate.
Rusty
I have a slightly complicated question regarding the income tax liability of expats. I have dual citizenship, American and Australian. I am also receiving a disability pension (Social Security Disability Income or SSDI), additionally, I am receiving a personal disability benefit from a private disability insurance company in the U.S., which is NOT employer sponsored. I would like to know, if I become a permanent resident of the Philippines, will any of my income taxable? What if I become a citizenship of the Philippines?
Thanks very much!
Mystery Man,
Your question is not even slightly complicated. Foreigners without money making endeavors in the Philippines owe no taxes to the Philippine Government.
If you become a citizen of the Philippines. You are liable for taxes on income coming from any and all sources. Enforcement is lax because the BIR (1) doesn’t have the resources to chase down dual nationality residents (2) Filipinos citizens with dual citizenship would be less likely to bring their bodies and money back to the Philippines.
I have the same questions you do…. I retired early so I don’t collect SSI but will I be eligible to collect later if I’m residing in PH? What exactly is an expat? Can I deduct my expenses here on my US taxes ? I need a lot of questions answered before I jump in with both feet. As it is now I’m here on extended VISA. My tax software is already asking me are you a US citizen because it appears I have to stay in US for 63 days out of the year to be considered a resident. Anybody out there knows how to work this maze please stand up!
Stan. Your questions are considerably different than those posed by Mystery Man. First of all Supplementary Security Income (SSI) is paid to U.S residents with disabilities and those over 65 years of age with limited incomes. If you mean Social Security benefits, those are payable to qualified individuals except in a very few countries.
Qualifying foreign expenses may be reimbursed if related to taxes paid to foreign governments on incomes earned outside the U.S. on amounts less than $92,000 a year. Or for interest payments on mortgages in foreign countries. But you’ll want to skip the latter since no lender will give you a loan when they have get mixed up in the 30% withholding requirement the U.S. requires on those transactions.
The 63 day thing you mention applies only to the amount of time you can spend in the U.S. and still claim your $92,000 exclusion on money made outside the U.S.
Succinctly stated, you may offset some portion of documented income taxes paid to foreign governments. If you pay nothing, you can deduct nothing. Typical U.S. expense deductions – medical, casualty loss, unrecoverable debts, alimony, etc., won’t fly.
Let your tax software do it’s job. Push the same buttons you pushed in the States and you’ll pay no more or less if you’re not making big money overseas.
Finally. Expat has no definitive meaning. We call ourselves what we think we are and go about whatever we need to do on any particular day.
OK….Let me restate what you said so I understand clearly…”I can not deduct VAT tax or Medical expenses from the Philippines on my US taxes????
With the requirements for the SSRV Smile Retirement Visa, I would just like to clarify if the $20,000 USD deposit into an approved PRA Philippine Bank is still my money or the Philippine government’s money? In addition what is this money used for? Hope to hear from for soon. Thanks for your help in advance.
I do not know the status of the SRRV smile program, as I was under the SRRV retirement scheme, which required usd 10,000 to be deposited into the local bank only paying 1% p.a ( whilst the bank charges 14% to borrowers )
Although it remains your money, it will not be too easy to get it back should you
come out of the scheme.
Personally I would never join the program again..
Yes it is your money but I have heard if you cancel the visa, it may take several months before you get your money back as they want to ensure you did not leave the country with any outstanding debts. My issue is I took my deposit to PNB who advertises a “Top Dollar” time USD deposit rate of 2.5% for a 2 year term. However when I moved my PRA deposit there I am only getting .5% and cannot get their regular customer rate. I was told the reason is that all PRA deposits are held in their treasury and only branches can offer the higher rate. It is all BS. I have asked in a couple of forums about if there was another bank that offered a better rate on PRA deposits but all I got was a bunch of comments about how stupid I was going the SRRV route when you can do it much more cheaply with renewing tourist visas every few months with and ACR card.
The money remains yours, but you can only get access to it when you leave the scheme. PRA used to let you keep a small amount of interest off the capital. But a couple of years ago they decided to keep virtually all the interest. The PRA also charge a yearly fee, used to be 360 USD. …
I am about to retire from the US Military and my Asawa and I want to live in the Philippines. The problem is we have heard is that the custom taxes on our Car and household goods (Full House) would be pretty expensive. I have also heard that possibly because my Asawa is a Filippina that we may be exempt on the custom taxes which would be the determining factor to residing in the Philippines after my Tour of service. Thank you for any assistance to answewring our question. God Bless You. Jeffrey
Gary or Steve, you never answered my wife or my question about retiring from the Army and settling down in the Philippines. If we have a house full of goods and a car how much will the customs taxes kill us if my wife is a naturalized filipina? Please answer our question for the custom taxes dilema will be the deciding factor of whether or not we retire in the Philippines.
Jeffrey – Gary is no longer with RTTP and I don’t have an answer for you. I was hoping that one of our readers might have an idea.
As a start, I spent 30 seconds on Google and came up with this for you – http://customs.gov.ph/motor-vehicles-boats-yachts/#4.1
Looks like bringing a car into the Philippines is next to impossible unless you want to spend almost as much as the car is worth, in taxes. You’d be better just selling all your stuff and buying again over here.
Best of luck!
Steve
Very interesting reads . My question is where can I get the 13a form in Canada and as I have been living with a Filipino for 30 years and she is going home to build her home and should we get married in Canada or wait as she has her family there . I think it would make it more simple if we did everything in Canada. Please advise. Thanks again Laurie
Laurie,
You could start by inquiring at the nearest Philippine Consulate. Best of luck.
SRRV Courtesy step-by-step: When I first read about this type of SRRV visa I said to myself, “This is the best fit for me and my husband’s situation.” I was born in the Philippines so am automatically a Filipino citizen. Fast forward to present day, I live in the US and have been married to an American citizen and am a naturalized US citizen for 30-plus years. We are planning to move to the Philippines in a few months, although we are a few years shy of reaching retirement age.
Thanks to this article, I visited the Philippine Retirement Authority website, and found all the information I needed to start the process of applying. The best part was that the deposit required was only $1500.00 – compared to $10,000 or more that is required for the other types of retirement visas. There is an Online Application tab on the PRA home page, so I was relieved to find out I could do most of the steps online, instead of making a special trip and paying airfare to the nearest Philippine Consulate in CA.
Although the PRA website has a handy chart showing all the different requirements, I soon found out that I had to negotiate several small steps to obtain the document/s to satisfy each one. Too many to go into here.
Be prepared to spend a good amount of time and a few dollars (FedExing documents, paying Notarization fees, paying document authentication fees to the Consulate, etc) but as far as I’m concerned, its money well spent! I am about 3/4 of the way to completing all the requirements.
By the way, in response to my partially-completed online application submission, I received an email from a very helpful lady at the PRA office in the Philippines who has answered my questions herself or referred me to the proper person who could.
So if anyone reading this has the same set of circumstances as myself, I thought I’d comment and share my experience and encourage you to avail of the SRRV Courtesy. I am!
I am living in the Philippines and have the 13 A visa. The really only requirement for the 13 A visa, besides the normal paperwork, is that the foreigner be married to a Filipina.
The 13 A visa is $150.
I am hoping someone can answer something very soon. One document PRA wants for the SRRV Classic is a notarized copy of the Notice of Award from SSA. Since I have been in the Philippines for almost 3 years (and time is running out quickly) PRA has told me I need to go to the Consulate here in Cebu City and get my letter notarized. However, I doubt the Consulate notary is just going to pit his stamp on a document without it saying what it is he is notarizing. Therefore, since he has no proof the document as genuine I feel it will not get notarized. I am hoping that a SS benefits, or pensioner, recipient who applied for a SRRV while living here can tell me what they did to handle this issue. I have my letter of award and tax statements and a copy of my bank passbook showing monthly deposits and do not understand why these do not suffice in showing proof of benefits.
I’m not one of those you wanted to hear from but you’d mentioned the “consulate in Cebu City.” I just wanted to tell you that the consulate is not open as much as it used to be.. Check the Manila embassy website to see its hours and days of operation.
The month of September, 2017 it’s open September 11-15. 8 to 10:30.
David – I can’t answer specifically to your SRRV question but I have had a few documents notarized over the years and have never been asked to show proof of anything. Why don’t you just go and get it notarized and see what happens?
Steve
I have been to prison, ten years ago, would I be able to live in the PI, What agency should I talk to, to find out. Is the application fee refundable if you cannot live there.
Hello, I have done a lot of research in this area. Bear in mind that my research was for information that applied to my specific situation but, as a Veteran of the US military (I don’t know if/what other countries are eligible for this type of Visa.), the PRA offers an “Expanded Courtesy SRRV”. Requiring a deposit of $1500, an initial fee of $1400, and then just $10 per year to renew. Along with the other requiements for the SRRV, I must have a DD-214 and a pension of $1000 per month or more. It allows multiple entry and exit without getting exit visas (or travel tax in the first year from issuance), and you don’t have to worry about monthly renewals or leaving the Philippines every 6 months or ever, also you don’t have to have an onward (or throw away) flight ticket. You can also maintain this visa whether you are single or married to a foreigner or a Filipina. For those in my situation, that makes this arguably (not trying to start an argument…LOL Just offering more info) the best Visa available (possibly even better than Balikbayan Visa – which requires your Filipina wife to be with you on entry). Of course, any proof documents ( DD-214, VA Benefits Summary, etc.,) must be notarized, certified by your State’s Secretary of State Office, then Authenticated by the Philippine Embassy or Consulate for your specific region of the US . I am in the process of obtaining this Visa and plan on maintaining it for as long as necessary, maybe the rest of my life… Just food for thought.
Thanks for taking the time to post the information and I’m sure our readers will find it useful. – Steve
Can i obtain a retirement visa with 2 minor arrest? One public intoxication in 1987 and a driving while intoxicated in 2011
I am 63 and elligble for retirement in the USA. However I am still working. Do I actually have to be retired receiving a retirement check to qualify for thr RSSV classic $10000 deposit ? Or can I get proof from social security that I have already earned the right to receive a pension check?
I am married to a philipina. Im an american and we got married in the states. We both live in texas now. I’m 50 and I’m wondering what do I need to move to the phils to retire there. Myslef my wife and my Father who is 80 years old. I’m talking processes and paperwork. I have enough money to last until death.
Hi Kent
Are both of you US citizens? Our travel agent said that for US citizens we are allowed to stay up to 1yr without a visa after that you can apply for one or return to the US and then return to the Philippines. My wife and I have stayed there for 3 months w ith no problem..
No I am a US citizen and she only has permanent residency
All you need is to be 100% sure you, your wife, and your father REALLY want to live here. Be sure it isn’t just You who wants to be here.
If anyone is the slightest bit hesitant don’t try and convince them. If you do you’ll have to continue to convince them.
It isn’t easy living here. It’s nice but not easy. There are challenges.
Visit for an extended period and then decide. Your father might have the toughest time adjusting.
i live in Thailand now…..I must pay every year a fee to renew my retirement visa ….
is there a renewal fee every year …. And must you check with the Immigration office ever3 months to tell where you live like in Thailand… Thanks
On October 23rd, they suspended processing SRRV’s until further notice due to the chinese scandal. I was processing my SRRV and was almost finished. They even have my money. Now, I may have to exit by April 11th due to the tourist visa that I have. On your 3rd year, you have to exit and cannot return due to current immigration policies. Duterte doesn’t care about the SRRV’s. He told DOT to handle it.