The cost of living in Albania is almost 47% less than in Italy.
Life costs half, the country is beautiful, unlike the other "paradises", Italy is a stone's throw away, most Italian people speak it. If Cyprus has an 5% tax, Albania has a 0% tax on pension.
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Why do we have to come to Albania?
I numbers they speak clearly: almost 400.000 are the pensions that the INPS pays for its citizens abroad.
To understand the importance of this social class, just read the passwords by Tito Boeri, former president of INPS itself: "It would be useful for our country to" import ", make it attractive to pensioners who come from other countries to increase domestic demand and even tax revenues."
The trend made it Portugal media, promising a tax exemption of ten years for pensioners who chose the peninsula. This insight means around two billion euros in Portuguese coffers according to the economic site .com. Almost 1 / 6 of the Albanian GDP.
The lack of an Italian economic policy, even if with Quota 100 it tries to remedy, makes these people look for a second home in a foreign territory, to safeguard the work of a lifetime. In Europe the states with the most presences of Italian pensioners are Germany and Switzerland. Pensioners are not a social burden as is often mistakenly perceived. Retirees can be a boost to the economy if the tax / revenue gap is large enough.
Cyprus instead is the preferred destination for the so-called "Gold pensions" with a tax exposure of 5% it collects more than Italian 5000. The second country that collects the most of these Scrooge it is Portugal with less than half. Two of the countries most affected by the European economic crisis, but with targeted economic policies, like this one, they managed to get their budgets back.
If Italy does not have a long-term economic policy, Albania sails through the fog.
But, without realizing it, many retired Italians are looking to her. Albania has a agreement with Italy from the 1995, which avoids double taxation, and in addition the Albanian tax explicit what are i income excluded from taxation, including pensions. According to the Italian law it is enough that you are out of the territory six months and one day to be able to tax you. The game would seem done. Life costs half, the country is beautiful, unlike the other "paradises", Italy is a stone's throw away, most Italian people speak it. If Cyprus has an 5% tax Albania has an 0% tax on pensions. According to the numbers collected by the INAC Albania patronage, there are about 500 Italian retirees in the territory. So what's the reason they're not invading us?
Why don't they come to Albania?
The first reason is that the person who moves to Albania loses his general practitioner, the free medicines and therefore the services of the Italian health system, but for this reason there are many private clinics in Albania that with relatively low annual policies can give you a health security.
The second reason is that the Albanian tax department asks for a certain permanence of 183 days on the territory, which means almost 6 months. As we have said before, the Italian tax authorities want 6 months and 1 outside to grant tax exemption. And so Italy wants 6 months outside and Albania wants 6 months inside. Why does Albania want them to be in the territory by force? We are still talking about people of a certain age who have family affections in their country of origin. It would be enough to leave him free will as Cyprus does, to begin to make the country more attractive.
The third reason, which is the main one, is that Albania is not in the European Union and therefore the practice of residence permit is not an easy obstacle. The pension does not fall within the social categories to be able to apply for a residence permit in Albanian territory. The pension is not seen as a source of support. A pensioner to move and live in Albania should choose between: getting married with a local person, being in possession of a VAT number, being a volunteer for an association, or else buying a house directly. So he can't just do what he wants and needs to do, enjoy the long-awaited retirement. Only one line in the Albanian immigration law would be enough, including the retired category, and the hardest obstacle would be overcome.
Retired Albanian retirees
Once again our geographical position comes to meet us, once again our political class does everything to put more possible barriers to any cue for economic growth. As if time did not go on, as if the economy was waiting for politics to resolve the clanistic discussions it has inside first, and then when will have solved the problems that she herself has created for the country and the economy, only when he has resolved i its problems that are very far from the problems of citizensthen, if you have time, you can concentrate on the interests of the country. The other countries have prudent and long-term policies, Albania still looks up to the sky waiting for some segno from Europe to get out of the fog in which she herself chose to enter.
Sign that European countries cannot always give or not always want to give, sometimes even for purely internal economic interests. Precisely to safeguard or revive the domestic economy. Being in a competitive economy, we too must compete with the means we have, to revive our economy according to a national plan, not according to the crumbs that throw us from outside.
Italy itself has no scruples when it comes to protecting itself at the expense of others. For years he has been trying not to sign the agreement for retirement pensions for Albanian emigrants living in his territory. What it did instead with other European countries where the emigrants are the Italians, and therefore it was economically convenient, as with Spain. Or other countries outside the European Union such as Argentina or even Tunisia.
Le statistics of the Italian Government updated in January 2018 speak of a tendency of the Albanians to leave the Italian territory. After the psychological ceiling of Albanian 2014 residents in Italy was broken through the 500.000, the number fell 2018 in the 430.340. This is the number of people who have a residence permit. Considering that in the 2017 you are naturalized Italians around 37 thousand Albanians, it means that almost 33 thousand are no longer in Italian territory.
If, unfortunately, they had not reached the number of years of pension in Italy, their pensions are involuntarily, or rather forcedly, donated to the INPS. These people may have made contributions for 15 years, but they can't claim anything. Why?
The answer is given to us by Irena Xhani, Director of Patronage INAC Albania itself, present in Tirana from the 2015. That, in addition to dealing with the problems of Italian citizens in Albania (tax exemption for pensions, residence permits, equivalences), also deals with the problems of Albanian citizens living abroad (recalculation of pensions, consular services, documents for citizenship).
"So far many have turned to our desk. The issue is not easy, and people are often disappointed and resigned when they come to us. We are aware that there is still no agreement with the Italian state, and this means that many citizens are left with nothing in their hands, but paradoxically thanks to the law Bossi-Fini of the 2002 we can ensure that who chooses to return to Albania and has made even minimal contributions after the 1996 can incorporate some form of pension. Just a few days ago, a bill was presented to the Italian Senate to recognize the communion of retirement years. Something is moving and we have already helped so many people who thought they had lost these years, so we always invite citizens to make a consultation before resigning. "
"Ours is a mission - continues - make the life of our emigrants as easy as possible, so that even our citizens have a patronage to lean on for documents for which they would not have time to return home and get lost in the bureaucratic hell. Not an easy mission precisely because of the problems that characterize the country. "
Mission that instead should bring to completion those who govern us. It is true that it is not possible to always talk about politics, but politics directly affects the life of the citizen, even and especially when it remains passive.
- Italian retired on the run: how to live in Albania
- Italian pensions, what you need to know for repatriated Albanians