Pensioenen

Sparen voor een pensioen is een zeer efficiente manier van sparen voor later door de voordelen die er bestaan op fiscaal gebied. Bent u een werknemer of een werkgever?

Laat ons u helpen met het opzetten van een voor u op maat gemaakte pensioenregeling. In aanvulling op een passende pensioenregeling zullen wij ook de beste pensioenverzekeraar voor u vinden en u alle details over aanspraken, kosten en voorwaarden uitleggen.

Denkt u eens aan de kosten die u elke maand weer heeft voor de huur van uw woning, boodschappen, electriciteit en water, telefoon en internet, uw auto, school voor uw kinderen, vakantie, medische kosten en ga zo maar door.

Veel van deze kosten zullen er nog steeds zijn als u met pension gaat. Maar helaas, u ontvangt geen salaris meer als u gepensioneerd bent. Dus het is belangrijk om na te denken hoe u later ook deze kosten nog kunt blijven betalen zodat u uw leven kunt blijven leven zoals u gewend bent. Heeft u daar wel eens bij stilgestaan? Nee? Dan raden u aan om dit toch echt eens te doen. Het is niet alleen belangrijk maar ook uw verantwoordelijkheid als werkgever, individu, vader of moeder. Voor u en voor uw naasten.

In een notendop is dit het waar het om gaat bij pensioenen. Niets meer dan een aantrekkelijke manier van sparen voor het moment dat uw reguliere inkomen er niet langer zal zijn.

Laat ons u helpen om uw financiele toekomst verder vorm te geven.

Collectieve pensioenregeling

Ongeveer de helft van alle werknemers op Curaçao heeft een pensioenregeling via zijn of haar werkgever. De andere helft dus niet. Een pensioenregeling is opgericht om werknemers met hulp van de werkgever fiscaal voordelig pensioen op te laten bouwen in aanvulling op het overheidspensioen, de AOV. Het blijft echter de vraag of iedere werknemer voldoende pensioenaanspraken opbouwt om in zijn of haar specifieke levensbehoeften te kunnen blijven voorzien.

Wij bieden onze kennis en expertise aan om bestaande pensioenregeling te evalueren of geheel nieuwe pensioenregelingen op te zetten. Voor ons is het vanzelfsprekend dat hierbij de specifieke behoeften en het beschikbare budget het uitgangspunt vormen. Wij kunnen u ook begeleiden bij het her-onderhandelen van verzekeringscontracten met de pensioenverzekeraar die uw pensioenregeling uitvoert.

Individuele pensioenregeling

Individuen en zelfstandig ondernemers hebben geen werkgever die hen een collectieve pensioenregeling aan kan bieden. Maar toch zijn er mogelijkheden om te sparen voor later als u de pensioengerechtigde leeftijd bereikt hebt. Hoe? Dat is in grote mate afhankelijk van uw specifieke situatie en uw ambitie.

Daarom beginnen wij altijd met een goed gesprek om juist die situatie en ambitie samen te bespreken. En vanuit dat startpunt leiden wij u door het proces om tot de best passende pensioenoplossing voor u te komen.

Klantervaringen

client experience

Congratulations with your beautiful new home!

New Home – Island – New Memories
Congratulations with your beautiful new place!

client experience

Congratulations Channah!

Life doesn’t come with a manual, it comes with Super Rainbow Tiger Mama Channah Koerten. Happy Mother’s day from More Than My Mortgage to courageous shinning mother ‘Channah Koerten’’. Joy

client experience

Congratulations to the beautiful couple!

Quapa and Quapo, enjoyyyyy your HAPPY PLACE

Client Experience

Congratulations Daphne and Sven!

Yabi NOBO Adventure for Daphne and Sven!

Client Experience

Congratulations with your mortgage!

Sunshine and beautiful ‘BLUE’ vibes in Curacao 🙂
Congratulations with your mortgage!

Client Experience

Congratulations to your new home!

That signature 🙂
Was a pleasure assisting you with your mortgage.

Want to know more about mortgages-1

The annuity mortgage

The annuity mortgage is the most frequently used mortgage type on Curacao. It might have benefits for you. Contact us for independent advice!
Client Experience

Masha pabien!

So happy to assist you with your mortgage. You are stunningly beautiful and so is your new home! Congratulations!
Client Experience

Congrats Lieke and Erik!

Bon wikènt everyone! Today Lieke and Erik step into a very Happy Weekend 🤩, congratulations with your new home! Mooie dingen gebeuren samen 💞
client experiance MTMM

Pabien ladies!

Guapa’s thank you for having MTMM helping you!
client experiance MTMM

Congratulations Rob!

Rob and More Than My Mortgage! It was a great pleasure arranging your mortgage and we wish you a lot of joy in your new home.
Client Experience More Than My Mortgage

Congratulations Floor!

So excited for you!
Client Experience More Than My Mortgage

Congratulations Rene!

Rene, loved working with you and for your mortgage! Wishing you lots of happiness in your new home!
Client Experience More Than My Mortgage

Pabien Lisa and Joseph!

Was a pleasure guiding you through your mortgage process!
Client Experience More Than My Mortgage

Congratulations!

Love you all, great start of this after Xmas week with YOU!
Client experience More Than My Mortgage

Congratulations Laura and Hector!

It was such a great pleasure to arrange your mortgage.

Client experience More Than My Mortgage

Congratulations Derek!

It was such a great pleasure to arrange your mortgage.

Client experience More Than My Mortgage

Congratulations M&M

Wishing you a great start on our beautiful Island! When you are in love with each other and with your new home.

It was such a great pleasure to arrange your mortgage.

Client experience More Than My Mortgage

Congratulations Eva and Chris!

It was such a great pleasure to arrange your mortgage.

Client experience More Than My Mortgage

Mellissa and Dennis congrats!

It was as a great pleasure guide your Mortgage.

Client experience More Than My Mortgage

Pabien Floor!

So happy to be a part of your journey!

Client experience More Than My Mortgage

Congratulations Ian!

It was a pleasure guiding you through the mortgage process!

Client experience More Than My Mortgage

Gefeliciteerd Marjolein en Jeffrey!

When Life gives you the LOVE of your life and the HOME in the Sun of your Life.

Client experience More Than My Mortgage

Mandy and Sammy gefeliciteerd!

Dankbaar dat wij jullie mochten begeleiden.

Client experience More Than My Mortgage

Erick and Bram, Congrats on with your NEW HOUSE!

Thanks for your trust and confidence. It was a great pleasure to arrange your mortgage.

Client experience More Than My Mortgage

Debbie an Roel, welcome to our Dushi Isla!

It was a pleasure to guide your mortgage!

Client experience More Than My Mortgage

Congrats with your amazing home in the Sun!

It was as a great pleasure working on your Mortgage.

Client experience More Than My Mortgage

Gwen and Mike Congrats with your totally amazing home!

Celebration with lots of Champagne 🍾 All this during Facebook and Instagram blackout!

Client experience More Than My Mortgage

Congratulations Pieternel, Sukie and Nox

Thank you for letting me guide you through your mortgage process!
Client experience More Than My Mortgage

Rohani Congrats with your new Home!

Before weekend Happiness!

Client experience More Than My Mortgage

Never too young!

We make it happen 🙂

Client experience More Than My Mortgage

TEAM OF ROSES ! We did it AGAIN!

Congratulations to Nadine with her new home!

Client experience More Than My Mortgage

Beautiful family congrats with your new home

Dankjewel dat wij jullie hypotheek mochten begeleiden More Than My Mortgage.

Client experience More Than My Mortgage

Congratulations with your new House!

Thank you for choosing More Than My Mortgage!

Client experience More Than My Mortgage

Congratulations to your new home!

Thanks for choosing More Than My Mortgage.

Client experience More Than My Mortgage

Stephen Christiaan congrats with your house!

It was a pleasure arranging your mortgage, More Than My Mortgage

Client experience More Than My Mortgage

Pabien Sue, Felix and Kira!

It was a pleasure arranging and guiding your mortgage, team More Than My Mortgage

Client experience More Than My Mortgage

Congrats with your mortgage by More Than My Mortgage!

Congrats with your mortgage by More Than My Mortgage!

Client experience More Than My Mortgage

Congrats K’neeltje and Robin!

Was a pleasure guiding you through the process of buying your home!

Client experience More Than My Mortgage

Congratulations Tom and Caleb!

Enjoy your new home together!

Client experience More Than My Mortgage

Congratulations Sory and Franklin!

A pleasure working together in buying your dream home!

Client experience More Than My Mortgage

Congratulations Darshana!

It was a big pleasure for MTMM to guide your Mortgage!

Client experience More Than My Mortgage

Archangela and Ursino Congrats!

What an honor to guide your Mortgage Journey.

Client experience More Than My Mortgage

Svetla and Philip congrats with your beautiful Caribbean home!

It was a great honor to guide your Mortgage Journey.

Client experience More Than My Mortgage

Congratulations Christel!

Was a pleasure arranging your mortgage!

Client experience More Than My Mortgage

Congrats to your beautiful home!

Thank you for choosing More Than My Mortgage to guide you through the process!

Client experience More Than My Mortgage

Saskia and Lord Congrats with Your New HOME

Thanks for having MORE THAN MY MORTGAGE arrange your MORTGAGE

Client experience More Than My Mortgage

Congratulations Sharon and Mike

Thanks for having MORE THAN MY MORTGAGE guide your MORTGAGE

Client experience More Than My Mortgage

Raquel and Boaz, Thanks for this great journey together!

Thanks for having MORE THAN MY MORTGAGE give colour to your MORTGAGE

Client experience More Than My Mortgage

Shary en Joost, Thanks for your confidence!

Thanks for having MORE THAN MY MORTGAGE arrange your Mortgage.

Client experience More Than My Mortgage

Congratulations Nadine!

Thanks for having MORE THAN MY MORTGAGE arrange your mortgage.

Client experience More Than My Mortgage

Erick congrats with your mortgage!

Was a pleasure guiding your through the process!

Client experience More Than My Mortgage

Congratulations Jocelyn and Donald!

Thank you for having More Than My Mortgage arrange your mortgage!

Client experience More Than My Mortgage

Congratulations Kim!

Thanks for having More Than My Mortgage guide your mortgage

Client experience More Than My Mortgage

Congratulations Stef with your new home!

Thank you for choosing More Than My Mortgage.

Client experience More Than My Mortgage

Irina congrats with your new Home!

It was an honor to guide your mortgage

Client experience More Than My Mortgage

Happy beautiful family congrats!

When success is defined by Great Teamwork!

Client experience More Than My Mortgage

Debbie congrats with your mortgage!

Debbie congrats with your mortgage by More Than My Mortgage on this big Smile Friday!

Client experience More Than My Mortgage

Congratulationsto your new home!

Thanks for having MORE THAN MY MORTGAGE arrange your mortgage and guide you.

Client experience More Than My Mortgage

Calvin congrats with your new home!

It was an honor to guide your mortgage

Client experience More Than My Mortgage

Marieke and Wessel Congrats!

I so enjoyed guiding you both with a Big Bigger and Biggest SMILE.

Client experience More Than My Mortgage

Christel congrats with your new construction adventure!

Together we are the more than the perseverance team. It was a great honor to walk this journey together with YOU!

Client experience More Than My Mortgage

Congrats to your new amazing home!

It was a great honor to walk this journey together with you both Shu and Steven.

Client

Congratulations Floor!

Thanks for choosing More Than My Mortgage for your mortgage guidance.

Welcome Home Mariska and James

Was een groot genoegen om jullie hypotheek te mogen begeleiden.

Frank gefeliciteerd met je mooie nieuwe woning op Dushi Korsouw!

Dankbaar dat More Than My Mortgage jou hypotheek mocht begeleiden.

Laura and Martijn A brand New Construction Adventure, Congrats team MTMM

Congrats with your exceptional new to build home

Sandra congrats with your beautiful house Team More Than My Mortgage it was a great pleasure working with you

Sandra is now owner of a beautiful house in the Caribbean

Hypotheken van More Than My Mortgage 

Evelien and Tjarda congrats with your beautiful home!

It was More Than My Mortgages pleasure to guide your Mortgage, congrats with your new home.

Guenni congrats with your beautiful house to be constructed Team More Than My Mortgage

Guenni Congrats with your Mortgage by Team “More Than My Mortgage”

Rachel and Derek congrats with your beautiful house in Curacao in two steps from our beautiful sea

Buying a house through video viewing, Proud to be part of this top team! 
Rachel and Derek Congrats

Eva it will be a blessing to stay at home now that you have an “AWESOME” new home.

It was More Than My Pleasure to guide you from Start to Home!

The Bigger the Dream, the More important the Team!

Marijke, Remco and little Jack you are a Blessed Dream Team together, Thank you for having ” More Than My Mortgage” guide your Mortgage.

We always keep that special little place where love for Curaçao glows inside of us!

Jessica and Fons congrats, ” More Than My Mortgage” is very Thankful for guiding you with your mortgage together with this top team!

We Should, Would, Could, We Did!

Angela and Herman thanks for choosing “More Than My Mortgage” for your Mortgage guidance.

Success is helping others to succeed even MORE!

Veronique and John thank you for choosing More Than My Mortgage for your Mortgage guidance. It was my great pleasure to guide you.

Start 2020 in your “own house”. It’s never to early to buy your “own house”.

Danielle and Raymond wishing you lots of meaningful moments, a beautiful friendship and even more success in you home. Grateful I got a chance to guide your mortgage.

Every accomplishment starts with a decision to try! Nataly Li-Martina director of Life B.V. congrats on your brand new psychologist office.

It was my great pleasure to guide you with your mortgage. I pray that God continues to Bless your hard work for many others on our Island and around the world.

Elsemieke “Wat een mooie dag” gefeliciteerd met je fantastische woning

Yessss je hebt je sleutel! Het was een groot genoegen jou hypotheek te mogen begeleiden!

Congrats New Home Under Construction!

It was a pleasure arranging your mortgage contract.
Wishing you both an awesome construction journey!

Congrats Alexandra and Lenno

Alexandra and Lenno, thanks for your confidence, It was a pleasure arranging your mortgage!

Pabien Paul!

Paul welcome to Coral Estate Curacao living!

Great teamwork:
Stefan (Coral Estate Sales)
Gregory (Orco bank)
Melissa/Mari Christine (Fungaloi/Samadar notarissen)
and Paul!

Pabien Demi en Eduard!

WHAT? Whaaaaat you own an own home? Shut the front door and RELAX, Demi and Eduard is was a big pleasure guiding your mortgage and purchase! Grateful!

Congrats Esther and Casper

May your walls know Joy, May every room hold laughter and Every window open great possibilities,

It was a great pleasure to arrange your mortgage Esther and Casper!

Congrats M&M!

Let the house adventure begin!

Family Bernal Congrats

It was a great pleasure working on your mortgage!

Cheers to your new home!

Cheers to your new home!

Jason and Diana

Congrats with your house. I enjoyed helping you find the best mortgage.

Frederik congratulations

It was my pleasure guiding you through the process.

Brit and Niels

You rock and so does your new home!

A special day for someone special!

Luz Marina, congratz with your new place called home! It was an honour aranging your mortgage and guiding you through the process.

Maurits Pabien!

A mortgage arranged the fast way

Pabien Jorien and Joey!

Congratulations Jorien and Joey with you beautiful home, thanks for letting me arrange the best mortgage for you!

Contact formulier

2 + 3 =

Sinot-Winkel Management Group B.V.

Santa Rosaweg #22, Willemstad Curaçao

KvK 134690
Registration Central Bank of Curaçao and Sint Maarten nr. 2020-009916 AB

 

005999-6867517

005999-7363643