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

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

Congratulations with your mortgage!
Big smile 🙂

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

Congratulations to the beautiful couple!
Quapa and Quapo, enjoyyyyy your HAPPY PLACE

Congratulations Daphne and Sven!
Yabi NOBO Adventure for Daphne and Sven!

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

Congratulations to your new home!
That signature 🙂
Was a pleasure assisting you with your mortgage.

The annuity mortgage

Masha pabien!

Congrats Lieke and Erik!

Pabien ladies!

Congratulations Rob!

Congratulations Floor!

Congratulations Rene!

Pabien Lisa and Joseph!

Congratulations!

Congratulations Laura and Hector!
It was such a great pleasure to arrange your mortgage.

Congratulations Derek!
It was such a great pleasure to arrange your 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.

Congratulations Eva and Chris!
It was such a great pleasure to arrange your mortgage.

Mellissa and Dennis congrats!
It was as a great pleasure guide your Mortgage.

Pabien Floor!
So happy to be a part of your journey!

Congratulations Ian!
It was a pleasure guiding you through the mortgage process!

Gefeliciteerd Marjolein en Jeffrey!
When Life gives you the LOVE of your life and the HOME in the Sun of your Life.

Mandy and Sammy gefeliciteerd!
Dankbaar dat wij jullie mochten begeleiden.

Erick and Bram, Congrats on with your NEW HOUSE!
Thanks for your trust and confidence. It was a great pleasure to arrange your mortgage.

Debbie an Roel, welcome to our Dushi Isla!
It was a pleasure to guide your mortgage!

Congrats with your amazing home in the Sun!
It was as a great pleasure working on your Mortgage.

Gwen and Mike Congrats with your totally amazing home!
Celebration with lots of Champagne 🍾 All this during Facebook and Instagram blackout!

Congratulations Pieternel, Sukie and Nox

Rohani Congrats with your new Home!
Before weekend Happiness!

Never too young!
We make it happen 🙂

TEAM OF ROSES ! We did it AGAIN!
Congratulations to Nadine with her new home!

TOP Team! Achieving Awesomeness for clients together
Together we achieve more 🙂

Beautiful family congrats with your new home
Dankjewel dat wij jullie hypotheek mochten begeleiden More Than My Mortgage.

Congratulations with your new House!
Thank you for choosing More Than My Mortgage!

Congratulations to your new home!
Thanks for choosing More Than My Mortgage.

Stephen Christiaan congrats with your house!
It was a pleasure arranging your mortgage, More Than My Mortgage

Pabien Sue, Felix and Kira!
It was a pleasure arranging and guiding your mortgage, team More Than My Mortgage

Congrats with your mortgage by More Than My Mortgage!
Congrats with your mortgage by More Than My Mortgage!

Congrats K’neeltje and Robin!
Was a pleasure guiding you through the process of buying your home!

Congratulations Tom and Caleb!
Enjoy your new home together!

Congratulations Sory and Franklin!
A pleasure working together in buying your dream home!

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

Archangela and Ursino Congrats!
What an honor to guide your Mortgage Journey.

Svetla and Philip congrats with your beautiful Caribbean home!
It was a great honor to guide your Mortgage Journey.

Congratulations Christel!
Was a pleasure arranging your mortgage!

Congrats to your beautiful home!
Thank you for choosing More Than My Mortgage to guide you through the process!

Saskia and Lord Congrats with Your New HOME
Thanks for having MORE THAN MY MORTGAGE arrange your MORTGAGE

Congratulations Sharon and Mike
Thanks for having MORE THAN MY MORTGAGE guide your MORTGAGE

Raquel and Boaz, Thanks for this great journey together!
Thanks for having MORE THAN MY MORTGAGE give colour to your MORTGAGE

Shary en Joost, Thanks for your confidence!
Thanks for having MORE THAN MY MORTGAGE arrange your Mortgage.

Congratulations Nadine!
Thanks for having MORE THAN MY MORTGAGE arrange your mortgage.

Erick congrats with your mortgage!
Was a pleasure guiding your through the process!

Congratulations Jocelyn and Donald!
Thank you for having More Than My Mortgage arrange your mortgage!

Congratulations Kim!
Thanks for having More Than My Mortgage guide your mortgage

Congratulations Stef with your new home!
Thank you for choosing More Than My Mortgage.

Irina congrats with your new Home!
It was an honor to guide your mortgage

Happy beautiful family congrats!
When success is defined by Great Teamwork!

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

Congratulationsto your new home!
Thanks for having MORE THAN MY MORTGAGE arrange your mortgage and guide you.

Calvin congrats with your new home!
It was an honor to guide your mortgage

Marieke and Wessel Congrats!
I so enjoyed guiding you both with a Big Bigger and Biggest SMILE.

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!

Congrats to your new amazing home!
It was a great honor to walk this journey together with you both Shu and Steven.

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

Vincent Congrats with your beautiful house!
Vincent congrats! MTMM

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.

A new home under the Christmas tree, Isabel and Marc congrats with your beautiful new home! Wishing you a beautiful journey together.
Thanks for letting me guide your mortgage. Very grateful.

New adventures make us explore, love brings us HOME, Beautiful Jessica congratulations with your new home in Curacao!
It was my great pleasure to guide with 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.

Lisa Pabien namens team “More Than My Mortgage” dankbaar dat wij jou hypotheek mochten begeleiden!
Geniet van jullie prachtige woning samen.

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!

Eelke Esser gefeliciteerd met je home en bedrijfspand in 1!
Het is een prachtige plek.

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

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