QA：有人认真考虑过在中国退休吗？
Has anyone seriously considered retiring in China?
译文简介
讽刺的是，“如果中国这么好，为什么不搬到那里去呢？”这个问题的答案很简单……很难，非常难。
正文翻译
Has anyone seriously considered retiring in China?
有人认真考虑过在中国退休吗？
有人认真考虑过在中国退休吗？
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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月真是令人大开眼界。所有那些被白人洗脑、反华的海外华人都涌进了我们村子。那些自我憎恨的人甚至开了一些反华的种族主义玩笑。
他们来这里是为了拿到一封信和一些宗族记录的复印件（我扫描了，所以它们实际上是打印件），这样他们就可以获得香港（特区）居留权——一条绕过7年居留限制、获得中华人民共和国公民身份的捷径。
我讨厌的一些人并没有拿到那些信或复印件。
但英国的情况已经恶化到如此地步，公开的种族主义愈演愈烈，他们中的许多人都在寻找出路。
就连亢奋的凯伦也在考虑这个问题。
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.
事实上，如果你已经超过80岁，香港（特区）才是最适合你的地方。这里医疗条件优越，美食选择丰富，没有语言障碍，公共交通便利（单程2港币），方便乘坐各种交通工具前往周边景点，还有西式住宿，你绝对无法抗拒。
顺便说一句，我妈妈是加拿大人，大约10年前回国住在香港（特区）一套专为老年人设计的公寓里，现在还能享受每月4000港币的高龄津贴和免费医疗。
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，让我告诉你，一套 1500 平方英尺的公寓要花多少钱：4000 万港币，相当于 500 万美元（顺便说一下，是在九龙城）
Duck填仲籃
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这就是为什么许多老人为了方便而卖掉昂贵的房子，住进养老院的原因。如果你超过80岁，你不需要1500平方英尺的房子，你需要的是即时的医院护理、24小时的照护服务、定期的清洁服务、健身房和温水泳池、送餐服务以及娱乐设施。
Thank you for sharing, but Hong Kong's extremely high cost of living, it isn't an ideal retirement choice for most ordinary people.
谢谢分享，但是香港（特区）的生活成本极高，对于大多数普通人来说并不是一个理想的退休选择。
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（特区）的生活成本被夸大了。
如果你住在香港（特区）新界的村镇？你可以花9000港币（相当于1200美元）租一整栋500到700平方英尺的房子。
再加上你不需要车，正是外国人的泡沫让人们觉得生活成本超高。他们想住在半山区或奥运村，要求有自己的车、住家保姆，并且公寓每天都有人打扫。
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.
在距离香港（特区）一小时车程的珠海或中山，每月只需700美元就能租到一套200平方米的房子。很多退休人员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，我现在的情况就是这样。我爸住在梅州，偶尔会过来（他自己也受不了他们那一代人）。
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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.
我去过香港（特区）——虽然没法探索过每一个角落。如果你喜欢海岛生活，香港（特区）或其他东南亚国家都不错，但香港（特区）无疑更安全！如果预算是每月3000美元，去中国大城市附近的乡村地区会提供更多选择，生活质量也会更高。
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
我现在确实正在考虑这件事。
背景：我来自印度，我妻子来自台湾（地区）。
对台湾（地区）人来说，中国非常适宜居住，我们只需要办理一些手续，我就能获得配偶签证，这样我就可以作为她的丈夫留在中国。
我们还没有完全确定细节，因为我应该可以继续获得7年的工作签证——一旦我获得配偶签证，我就不能继续工作签证了，所以只有当我的工作签证被拒时，我们才会启用它。
过去我们也考虑过在印度、台湾（地区），或者是第三世界的马来西亚、泰国等地退休，但说实话，我们都非常喜欢这里，所以这是一个认真考虑的选择。
不过，可能不会是在上海——如果我们真打算在中国退休，我们会搬到厦门或丽江这样的小城市……也许开一家小餐馆和酒吧，搭建一个小舞台，用上我们所有的乐器，每晚举办开放麦之夜……
我确实考虑过永久居民这个选择，但是
1、获得永久居民资格并不容易——如果我住在北京而不是上海，会更容易一些
2、永久居民资格并非永久性的——每次只有5年，而且我不知道随着年龄的增长，它是否能继续续签……我怀疑这与你是否能带来经济价值间接相关。
My question would be…how?
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.
我的问题是……要怎么做？
深圳是我的首选。
我的收入很高，资产也不少。我可以通过一次性税制买路去瑞士，但这会有点费钱。
我想去瑞士，因为那里气候宜人，学校也很好——就像深圳一样。
但是，要去中国，除非你能在中国公司找到工作，否则连2-3年的签证都很难拿到，更不用说永久居留权了。而且工作签证跟退休生活也不完全等同。
到目前为止，我发现最好的办法是创办一家独资企业，比如咨询公司，雇佣2-3名中国员工，然后在你计划在那里居住的整个期间，即使亏损（如果你真的不想工作太多的话），也可以接受。然后，也许10年后你就能拿到永久居民身份了。
与葡萄牙、德国等地相比，这极具挑战性。
我可能还会继续努力，但我能理解大多数想做却做不到的人。
讽刺的是，“如果中国这么好，为什么不搬到那里去呢？”这个问题的答案很简单……很难，非常难。
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
想做点什么并做好并不难，而且根据你的描述，你很容易获得长期居留权——而不仅仅是工作签证！你可以考虑S2签证。
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签证是访问签证，所以不行。
10年内，我已经有过多次入境签证了，每年最多可以停留180天。但这和在那里居住不一样。
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.
关于在中国长期居留：
对于那些考虑在中国退休或长期居住的人来说，除了常规的旅游签证之外，实际上也可以在中国长期居留。其中一个更实用的途径是：申请私人事务居留许可，这个许可可以基于S2签证签发。
这条途径允许长期居留，并且可以续签，对于那些希望在中国生活而不想经常担心签证挤兑或短期延期的人来说，这是一个更稳定的选择。
当然，关键的要求和资格细节会因人而异，并非所有信息都适合在网上公开分享。但如果有人真的想探索这条途径，我很乐意私下讨论。
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，中国不是美国或西方国家，它不需要效仿美国或西方国家去取得成功。
我的意思是，如果一个国家对退休人员的吸引力，并不是本国公民所希望的，或者对长期成功无益，那么吸引退休人员就不应该等同于成功。
直布罗陀可以吸引英国退休人员，但这并不意味着直布罗陀应该成为其他国家需要竞争的巅峰。
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.
现在，作为一名正处于职业生涯中期的美国佬，我面临的政治和经济形势正朝着一个令人不安的方向发展。就我个人的家庭而言，我哥哥正在考虑搬到新加坡从事金融交易相关的工作，而我一个非白人美国人，我的妻子非常担心我，她害怕我会去军营看现场电影，还需要用我自己的信用卡付款。
但与此同时，中国并非唯一的选择，甚至也不是最佳的选择。毫无疑问，如果真的有需要，我们可以去，而且由于有亲朋好友的支持，我们或许能比其他人更快地适应中国的生活。但总的来说，我和妻子仍然认为，与美国的工作时间与收入比率相比，中国的工作环境并不吸引人。
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
即使最近的经济动荡导致金钱略有贬值，也不足以让我们跑到银行，把所有的美元都兑换成人民币和纪念金币。如果真的到了那种地步，我非常怀疑，我以英语为母语的技能，以及帮助别人写美国大学申请文书的经验，在中国去找新工作会不会不那么受欢迎。
我的会计工作更接近社会科学，而不是像精算师这样的硬科学。这意味着我多年来对美国会计规则、权威指南和会计法规的理解，在国外很难有效运用。即使是在加拿大，情况也大不相同，我确信我的竞争力不会像在美国那样强。
所以，如果是同样的社会和职业迁移，中国并不适合我们。
也许，如果几十年后我们真的想退休，告别东海岸的郊区生活，去体验完全不同的生活，比如在蒙古或哈萨克斯坦，或者新疆草原上退休，我和妻子可能会选择去中国。
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.
中国没有退休签证。此外，中国或许是世界上最难获得永久居民或公民身份的国家之一。
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