# hnwi.sg — hnwi.sg｜高净值人士新加坡落地手册

> hnwi.sg 按时间顺序讲高净值家庭落地新加坡：EP、ONE Pass、PR 与 GIP 身份路径，家属准证，开户与资金来源，税务居民第一年，住房与子女教育，医疗保险与家庭保险组合，以及年度合规日历。数字附官方来源与日期。

- 运营方: 小坡险助手 / Xiaopoxian Advisory Desk
- 内容发起人: Stella 武晓旭 (Stella Wu Xiaoxu), Associate Director, Everest Group — a group of financial consultants representing Great Eastern Financial Advisers Private Limited
- 联系: WhatsApp +6580670032 · Email wuxiaoxu1020@gmail.com · WeChat sgwealth888
- 资料更新: 2026-10-23

## 先选对身份路径
- [高净值人士新加坡落地总览：身份、时间线、税务、安家与保障](/overview/): 高净值家庭移居新加坡，通常要依次处理身份准证、落地时间线、银行开户、税务居民身份、住房与子女教育、医疗保险、家庭保险组合与年度合规。本文按进入、安家、保障、维护的顺序给出全景图，说明每一步由谁审批、常见卡点在哪里；门槛、费用与日期均注明机构与核验日期，截至 2026-10。
- [移居新加坡的身份路径：EP、ONE Pass、PR 与 GIP 怎么选](/residency-pathways/): 新加坡没有买房移民。高净值人士常见的长期身份路径是就业准证（EP）、ONE Pass、经 EDB 全球投资者计划（GIP）申请永久居民，以及持准证一段时间后向 ICA 申请 PR。本文按申请人画像比较审批机构、公开门槛、家属安排与常见误区。
- [新加坡身份与准证同口径对比：门槛、期限、家属与工作权](/compare/): 同一张表比较就业准证（EP）、ONE Pass、个人化就业准证（PEP）、创业准证（EntrePass）、经 ICA 申请的永久居民与经 GIP 取得的永久居民，维度包括审批机构、核心门槛、有效期与续期、工作弹性、家属与配偶工作权、公积金、医疗保障与兵役，并附家属准证对照表。
- [全球投资者计划（GIP）：四类申请人、三种投资选项与续期条件](/gip-family-office/): 全球投资者计划（GIP）由新加坡经济发展局（EDB）评估，符合资格的企业主、家族企业继承人、快速成长公司创始人与家族办公室负责人可凭投资申请永久居民。本文依据 EDB 2025-05-05 版说明书，整理申请人条件、投资选项、流程时间、家属安排与第五年续期条件。
- [拿到 PR 之后：再入境准证、公积金、兵役与身份维护](/pr-maintenance/): 取得新加坡永久居民身份后，离境须持有效再入境准证（REP），2025-12-01 起在境外且无有效 REP 须在 180 天内申请，否则失去 PR；PR 自取得身份当日起须缴公积金，前两年按渐进费率；随父母取得 PR 的男性子女须服兵役。本文逐项说明 PR 的维护义务。

## 落地第一年办什么
- [新加坡落地流程与时间线：从选定身份到落地满一年的十个步骤](/process/): 高净值家庭从决定移居到在新加坡稳定生活，通常要经历选定身份路径、准备文件、递交申请、获批入境、开户、住房、子女入学、医疗保险、税务居民确认与年度维护十个步骤。本文按时间顺序说明每一步所需文件、谁来办理、通常耗时与常见卡点，处理时间以主管机构公布为准。
- [落地开户：个人银行账户、资金来源说明与 CRS 自我证明](/bank-accounts/): 在新加坡开立个人银行账户是落地后最早要办的事之一。银行依反洗钱规定核实身份、住址、资金来源与财富来源，并要求填写税务居民自我证明以履行 CRS 义务。本文说明开户在落地顺序中的位置、通常需要的材料类别、存款保险范围，以及开户信息与税务居民身份的衔接。
- [落地住房：租房规则、外国人购房限制与房产税负](/housing/): 新加坡私人住宅出租须满足最短连续 3 个月的居住期；外国人可购买公寓单位，购买有地住宅须经新加坡土地管理局批准；外国人购买任何住宅须缴 60% 额外买方印花税。本文说明租房、买房与持有阶段的主要规则，以及 PR 与外国人的税负差异；税率与限制均注明机构与日期。
- [子女教育：政府学校入学、AEIS、国际学校与学生准证](/schooling/): 外籍子女进入新加坡政府中小学，主要通过教育部每年 9 月举行的国际学生入学考试（AEIS）或次年 1 月开放申请的 S-AEIS，入学不保证；持家属准证或长期探访准证的子女就读全日制课程无需另办学生准证。本文说明政府学校、国际学校的入学路径、学费口径、身份变化影响与时间安排。

## 税务居民身份与家庭保障
- [落地第一年的税务居民身份：183 天、报税、离境清税与内地申报](/tax-residence/): 新加坡按停留与工作天数判定个人税务居民：上一历年在新加坡停留或工作满 183 天、连续三个历年在新加坡，或受雇期跨两个历年合计满 183 天。本文说明落地第一年如何判断身份、每年 3 月 1 日至 4 月 18 日的报税节奏、外籍雇员离境清税，以及中国内地居民个人境外所得的申报提醒。
- [新加坡医疗保险：终身健保、综合健保计划与外籍家庭的私人医疗险](/medical-insurance/): 新加坡终身健保（MediShield Life）自动覆盖所有公民与永久居民，按公立医院 B2/C 级病房设计；综合健保计划在其上叠加私人保险公司的高等级病房或私立医院保障，截至 2026-10 由七家公司提供。本文说明 PR 与外籍准证持有人的保障差异、外籍家庭如何补齐住院保障，以及帮佣保险要求。
- [落地家庭的保险组合搭建：医疗、寿险、重疾、意外、帮佣与传承的顺序](/insurance-portfolio/): 落地家庭的保险组合可按四层理解：先补住院医疗，再用寿险覆盖家庭负债与收入，再看重疾、意外、伤残、帮佣与房屋保障，最后是大额寿险与传承安排；其中帮佣保险是雇主的法定义务。本文不推荐具体产品，给出分层清单、各层要回答的问题、受益人提名与保单持有人保障计划要点。
- [高净值家庭年度合规日历：新加坡与中国内地的关键日期](/compliance-calendar/): 落地新加坡后，高净值家庭每年要跟踪的合规节点包括个人所得税申报、外籍雇员离境清税、PR 再入境准证有效期、准证续期、房产税、SRS 缴费截止、保单年度检视，以及中国内地居民个人境外所得的年度申报。本文按季度与月份列出关键日期与责任人，并标注随事件触发的节点。

## 对照场景，查问题与术语
- [落地场景：五类高净值家庭的目标、路径与风险](/scenarios/): 用五个匿名、假设化的家庭场景说明落地规划的差异：受雇来新的高管家庭、计划设立区域总部的企业主、以家族办公室为核心的家庭、子女先来读书的家庭，以及香港与新加坡双基地家庭。每个场景给出目标、可能的身份路径与落地顺序、主要风险与需要协作的专业方。
- [高净值人士新加坡落地常见问题（36 问）](/faq/): 汇总高净值家庭移居新加坡最常问的 36 个问题，按身份与准证、PR 维护与兵役、开户与跨境资金、税务居民与年度合规、住房与教育、医疗与保险六组编排。每个回答先给结论、再给依据与来源日期，涉及审批、税务与跨境资金的问题均注明以主管机关最新规定和专业意见为准。
- [新加坡落地术语表：58 条中英对照](/glossary/): 收录高净值人士在新加坡落地过程中最常遇到的 58 个术语，中英并列，按身份与准证、PR 与公民义务、税务、住房、教育、医疗与保险、跨境合规与传承七组编排，从 EP、COMPASS、REP 到 183 天规则、ABSD、AEIS 与综合健保计划，每条给出中性定义、主管机构与来源日期。
- [资料来源总表](/sources/): hnwi.sg 引用的官方文件与页面清单，按身份与准证（MOM、ICA、EDB、CMPB）、税务（IRAS、MOF、国家税务总局）、住房（URA、SLA）、教育（MOE）、医疗与保险（MOH、CPF、SDIC、LIA、MoneySense）与跨境及其他分组，列出机构、标题、日期、链接与用途，并说明核验方法与更新频率。

## EN edition
- [Opening a Bank Account When You Land: Personal Accounts, Source of Funds and CRS Self-Certification](/en/bank-accounts/): A personal bank account is one of the first things to set up after landing in Singapore. Banks verify identity, address and source of funds and wealth under AML rules, and collect a CRS tax-residence self-certification. This guide covers sequencing, documents, deposit insurance and tax residence.
- [Singapore Residency and Passes Compared: Criteria, Validity, Dependants and Work Rights](/en/compare/): One table comparing the EP, ONE Pass, PEP, EntrePass, PR through ICA and PR through the GIP: approving authority, core criteria, validity and renewal, work flexibility, dependants, spouse work rights, CPF, medical cover and National Service.
- [Annual Compliance Calendar for HNW Families: Key Dates in Singapore and Mainland China](/en/compliance-calendar/): After settling in Singapore, a high-net-worth family tracks a set of compliance dates each year - income tax filing, tax clearance for foreign employees, PR Re-Entry Permit validity, pass renewals, property tax, the SRS contribution deadline, policy reviews and mainland China's annual reporting of overseas income. This page lists the key dates and who is responsible by quarter and month, and flags event-driven milestones.
- [Relocating to Singapore: FAQ for High-Net-Worth Families](/en/faq/): 16 questions HNW families ask on moving to Singapore: passes, GIP, PR and Re-Entry Permits, National Service, tax residence, housing, schools and health cover.
- [Global Investor Programme (GIP): Four Applicant Profiles, Three Investment Options and Renewal Criteria](/en/gip-family-office/): The GIP is assessed by Singapore's Economic Development Board (EDB). Eligible business owners, next-generation owners, fast-growth founders and family office principals can apply for PR by investing. Based on EDB's May 2025 factsheet: criteria, options, timing, dependants and renewal.
- [Singapore Landing Glossary: 58 Terms in English and Chinese](/en/glossary/): The 58 terms high-net-worth individuals most often meet when settling in Singapore, in English and Chinese, grouped into residency and passes, PR and citizen obligations, tax, housing, education, medical cover and insurance, and cross-border compliance and legacy - from EP, COMPASS and the REP to the 183-day rule, ABSD, AEIS and Integrated Shield Plans - each with a neutral definition, the responsible authority and a source date.
- [Housing When You Land: Rental Rules, Restrictions on Foreign Buyers and Property Taxes](/en/housing/): Private homes in Singapore must be rented for at least 3 consecutive months. Foreigners can buy condominium units but need SLA approval for landed homes, and pay 60% ABSD on any residential property. This guide covers renting, buying and holding, and the PR-versus-foreigner tax gap.
- [Building an Insurance Portfolio After Landing: Medical, Life, Critical Illness, Accident, Helper and Legacy Cover in Order](/en/insurance-portfolio/): A relocating family's insurance portfolio can be read in four layers - hospital cover first, then life cover for family liabilities and income, then critical illness, accident, disability, helper and home cover, and finally large life policies and legacy planning; helper insurance is a statutory employer obligation. This page recommends no products and sets out a layered checklist, the questions each layer must answer, beneficiary nominations and the Policy Owners' Protection Scheme.
- [Medical Insurance in Singapore: MediShield Life, Integrated Shield Plans and Private Cover for Expatriate Families](/en/medical-insurance/): MediShield Life automatically covers all Singapore citizens and permanent residents and is sized for Class B2/C wards in public hospitals; Integrated Shield Plans add private insurers' cover for higher wards or private hospitals, offered by seven insurers as at October 2026. This page explains how cover differs for PRs and pass holders, how expatriate families can fill the hospital-cover gap, and the insurance requirements for domestic helpers.
- [Landing in Singapore as a High-Net-Worth Individual: Residency, Timeline, Tax and Protection](/en/): How high-net-worth families moving to Singapore sequence residency passes, bank accounts, tax residence, housing, schooling, insurance and annual compliance.
- [After You Get PR: Re-Entry Permits, CPF, National Service and Keeping Your Status](/en/pr-maintenance/): Singapore PRs need a valid Re-Entry Permit (REP) to leave. From 1 Dec 2025, a PR abroad without a valid REP must apply within 180 days or lose PR. PRs contribute to CPF from day one at graduated rates for two years, and sons granted PR with their parents serve National Service.
- [Landing in Singapore: Process and Timeline, Ten Steps from Choosing a Route to Your First Full Year](/en/process/): From deciding to move to settling in, HNW families typically go through ten steps: route, documents, application, approval and entry, banking, housing, schools, medical cover, tax residence and annual upkeep. Documents, who acts, timing and sticking points for each, per official processing times.
- [Residency Routes to Singapore: Choosing Between the EP, ONE Pass, PR and GIP](/en/residency-pathways/): Singapore has no residency-by-property route. The usual long-term options for HNW individuals are the Employment Pass, the ONE Pass, PR via EDB's Global Investor Programme, and PR from ICA after time on a pass. This guide compares authorities, criteria and dependants.
- [Landing Scenarios: Goals, Routes and Risks for Five Types of HNW Family](/en/scenarios/): Five anonymous, hypothetical family scenarios show how landing plans differ: an executive family relocating for work, a business owner setting up a regional headquarters, a family centred on a family office, a family whose children come first for school, and a family based in both Hong Kong and Singapore. Each sets out goals, possible residency routes and sequencing, key risks and the professionals involved.
- [Schooling: Government School Admission, AEIS, International Schools and Student's Passes](/en/schooling/): Foreign children usually enter Singapore government schools through MOE's AEIS each September or the S-AEIS opening the following January; admission is not guaranteed. Children on a Dependant's Pass or LTVP need no separate Student's Pass. Admission routes, fee tiers, status changes and timing.
- [Sources](/en/sources/): The official documents and pages cited by hnwi.sg, grouped into residency and passes (MOM, ICA, EDB, CMPB), tax (IRAS, MOF, State Taxation Administration), housing (URA, SLA), education (MOE), medical cover and insurance (MOH, CPF, SDIC, LIA, MoneySense) and cross-border and other sources, with institution, title, date, link and use, plus how sources are verified and how often they are reviewed.
- [Tax Residence in Your First Year: 183 Days, Filing, Tax Clearance and Mainland China Reporting](/en/tax-residence/): Singapore decides individual tax residence by days of stay and employment - 183 days in the previous calendar year, three consecutive calendar years, or employment spanning two calendar years totalling 183 days. This page covers how to assess year one, the 1 March to 18 April filing window, tax clearance for foreign employees and mainland China's overseas income reporting.

## 关于与披露
- [关于本站](/about/)
- [联系我们](/contact/)
- [重要披露](/disclosures/)
- [知识网络](/network/): 小坡险知识网络 26 站导航

## 知识网络
- [iul.sg](https://iul.sg/): iul.sg｜新加坡指数型寿险专业比较平台
- [iul.com.sg](https://iul.com.sg/): IUL 学院｜指数型万能寿险原理与百问
- [vul.sg](https://vul.sg/): vul.sg｜新加坡可变万能寿险知识平台
- [vul.com.sg](https://vul.com.sg/): VUL Singapore｜可变万能寿险英文指南
- [vul.hk](https://vul.hk/): vul.hk｜港新可变万能寿险对比
- [term.com.sg](https://term.com.sg/): 新加坡定期寿险百科
- [term.hk](https://term.hk/): term.hk｜港新定期寿险对比
- [wholelife.com.sg](https://wholelife.com.sg/): 新加坡终身寿险百科
- [wholelife.hk](https://wholelife.hk/): wholelife.hk｜港新终身寿险对比
- [ppli.com.sg](https://ppli.com.sg/): PPLI 私募寿险知识平台
- [ilp.com.sg](https://ilp.com.sg/): 投资连结保险 ILP 百科
- [saving.sg](https://saving.sg/): saving.sg｜新加坡储蓄保险百科
- [saving.com.sg](https://saving.com.sg/): Savings Plans Singapore｜储蓄方案英文指南
- [savings.sg](https://savings.sg/): savings.sg｜新加坡储蓄与现金管理全景
- [xiaopoxian.sg](https://xiaopoxian.sg/): 小坡险助手｜新加坡保险与财富知识网络
- [xiaopoxian.com.sg](https://xiaopoxian.com.sg/): 小坡险百科｜新加坡保险入门与常见问题
- [vccfund.sg](https://vccfund.sg/): vccfund.sg｜新加坡 VCC 可变资本公司基金指南
- [vccfund.com.sg](https://vccfund.com.sg/): VCC Fund Singapore｜可变资本公司英文指南
- [hnw.sg](https://hnw.sg/): hnw.sg｜新加坡高净值财富规划总览
- [hnwsolution.sg](https://hnwsolution.sg/): hnwsolution.sg｜高净值一站式解决方案
- [hnwsolution.com.sg](https://hnwsolution.com.sg/): HNW Solutions Singapore｜高净值方案英文站
- [privatebank.hk](https://privatebank.hk/): privatebank.hk｜私人银行指南 · 香港 × 新加坡
- [bankaccount.sg](https://bankaccount.sg/): bankaccount.sg｜新加坡银行开户指南
- [bankaccount.com.sg](https://bankaccount.com.sg/): Singapore Bank Account Guide｜开户英文指南
- [bankaccount.hk](https://bankaccount.hk/): bankaccount.hk｜香港银行开户指南与港新对比

## 数据与边界
- 每页标注资料来源与日期；资料未列明的项目不作推断；保证与非保证分开标注；演示值与历史表现不代表未来结果。
- 本站由小坡险助手内容团队运营，提供一般教育、比较与资料整理，并协助登记咨询需求。本站不是保险公司、银行、持牌财务顾问机构或保险经纪；网站内容未经新加坡金融管理局（MAS）审阅、批准或认可。个性化建议、正式报价、开户与投保服务由实际持牌或获豁免机构及其获委任代表负责。