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 Gonjin.com is a blog that introduces everyday life, culture, and practical experiences in Korea.


The content focuses on real situations that travelers, expats, and people interested in Korean culture may experience in daily life.

Topics include Korean transportation, convenience stores, restaurants, local customs, city life, and practical tips for living or traveling in Korea.

Most photos and observations are based on real experiences in Seoul, South Korea.

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[EN] Singapore CPF Withdrawal for Foreigners: Refund & Exemption Guide

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Reviewing Singapore CPF and relocation documents before leaving Singapore. Why Foreign Workers in Singapore Need to Understand CPF Many foreigners working in Singapore hear about CPF but are not sure whether it applies to them. The Central Provident Fund (CPF) is Singapore’s national savings system used for retirement, healthcare, and housing. For most foreign employees working under: Employment Pass (EP) S Pass or similar work passes mandatory CPF contributions generally do not apply. However, CPF rules become important if: you become a Singapore Permanent Resident (PR) change immigration status or plan to leave Singapore permanently later. Most Foreign Employees Do Not Pay CPF Foreign employees on standard Singapore work passes are generally exempt from mandatory CPF contributions. This usually means: more take-home salary no monthly CPF deductions and different payroll rules from Singapore citizens and PRs. Checking your payslips regularly is still important to make sure salary dedu...
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[CN] 当全球金融越来越透明之后，一部分跨境家庭开始重新研究“可解释资产”

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  韩国长期居留制度与国际资产透明化趋势研究 这两年，做跨境资产配置的人，几乎都会反复提到几个词： CRS； AML； 资金来源说明； 以及银行越来越严格的合规审核。 很多老板第一次真正接触海外金融体系时，都会有一种落差感。 过去，大家总以为： 钱只要成功出去，后面的事情就简单了。 但现在越来越多人发现： 真正困难的，往往不是“转出去”。 而是未来很多年里，如何持续证明： 这笔钱的来源、路径与结构，是长期能够被解释的。 一、 国际金融体系正在进入“长期可解释性”时代 过去十几年，全球金融体系越来越重视： 资金来源； 税务透明； 以及跨境账户的长期合规性。 无论是CRS（金融账户涉税信息自动交换），还是银行内部越来越严格的AML（反洗钱）审查，其实都在传递同一个信号： 国际金融机构现在越来越关注的，并不是“你有没有钱”。 而是： 你的资金结构，是否能够长期被理解与说明。 对于很多长期做实业、做跨境贸易的人来说，这种变化其实并不陌生。 因为真正成熟的资产安排，本来就不是建立在“隐藏”之上。 而是建立在： 稳定； 透明； 以及长期可持续性之上。 二、 为什么一部分国际家庭开始重新关注韩国？ 也正因为如此，韩国近年开始重新进入部分国际家庭的长期研究范围。 尤其是韩国的公益事业投资移民制度。 根据韩国法务部公开资料，符合条件的外国投资者，可以通过指定公益投资结构取得F-2（居住）资格。 在满足规定条件并维持投资一定期限后，可根据现行制度申请转换为F-5（永久居留）资格。 其中一种结构，是通过韩国法务部委托、由韩国产业银行管理的公益基金进行本金保全型、无利息投资。 这里真正值得注意的，并不是“收益率”。 恰恰相反。 很多研究这个制度的人，看重的反而是： 制度稳定性； 长期身份安排； 以及资金路径本身的清晰度。 对于部分跨境家庭而言，一个长期、稳定、公开的制度框架，本身就具有价值。 三、 现在真正昂贵的，不只是税，而是“摩擦” 过去很多人做国际资产配置，核心讨论往往是： 哪里涨得快； 哪里税更低； 哪里收益更高。 但近几年，一个越来越现实的问题开始浮现： 跨境资产在进入、持有、继承与使用过程中，会产生多少制度摩擦。 包括： 银行审核； 长期账户稳定性； 资金来源说明；...
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[EN] The Compliance Shift: Why International Families Are Paying Closer Attention to Documented Capital Structures

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  Reviewing international AML, residency, and cross-border financial documentation during long-term global planning. Why Cross-Border Wealth Transfers Are Receiving More Scrutiny For internationally mobile families and global business owners, moving capital across borders has become significantly more documentation-focused over the past decade. As international AML (Anti-Money Laundering) standards and CRS reporting systems continue expanding, banks and financial institutions are now expected to conduct more detailed reviews involving: source-of-funds documentation tax residency status beneficial ownership structures and cross-border remittance activity. In practice, even fully legitimate funds may face additional compliance reviews when large international transfers are involved. Because of this, many globally active families are paying closer attention to how residency structures, investment documentation, and long-term financial records are organized across multipl...
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