Although the Danish Bank Tuesday clearly distanced themselves from tax-finten on the coast, the bank has offered tax-reduction programs through Luxembourg, which a few years ago were classified as tax havens.<\/p>\n
Danish Bank has actively helped to reduce the tax for customers through tax havens.<\/p>\n
It has a number of years until 2008, passed by the Danish Bank Luxembourg’s website that “you can reduce taxes on your earnings on investments, wealth tax and inheritance tax by placing your assets in the right structure.”<\/p>\n
It also showed that as a resident in Spain must pay tax on its values, regardless of where they are located – whether it is deposit accounts, real estate, pensions, etc. So it was that which Danish Bank offered customers residing outside Denmark\u00a0to avoid paying the tax through the counseling service is Wealth Planning, based in Luxembourg – a performance by the bank in fact still advertise.\u00a0Now discussed Wealth Planning in conjunction with “tax-efficient solutions.”
\nHides not money<\/p>\n
CEO Klaus nsted Pedersen from the Danish International Bank has stated in the newspaper Jyllands-Posten’s article series on Sydbank model to borrow against property in Spain through Nykredit with the primary aim of reducing customers’ inheritance tax:<\/p>\n
“The Danish Bank, we provide no advice for tax evasion.\u00a0It is not something we make products.\u00a0We help, of course, our customers optimize their economy, but we help them not to hide money for tax authorities.\u00a0It is well established policy we have in this field that permeates our entire organization, “said the nsted Klaus Pedersen.<\/p>\n
Jyllands-Posten is in possession of an exact correspondence between Danish Bank nsted Klaus Pedersen and the British MEP Sharon Bowles, who speak a financially pressed British couples action.\u00a0The couple, who are in the 80s, in 2003, mortgaged their home equity in a luxury property in Spain with a mortgage to transfer money to third parties where they were invested.<\/p>\n
The product is referred to as Equity Release Scheme, and can recall what Sydbank have offered to their Spanish customers.\u00a0The letter states that the couple had been promised that the inheritance tax on their property could be avoided.\u00a0The assets would be available through a private banking event in Luxembourg, as the couple made a profit on the transaction by investing their money in low-risk bonds.
\nDeficit: 268,000<\/p>\n
It did not go so well with the investment.\u00a0According to the letter to Klaus nsted Pedersen was ended with a deficit of 268,000 euros.\u00a0Parliament member indicated also that experts believed that the model could not possibly make a profit because of the interest from mortgage loans.\u00a0In addition, the couple had subsequently been informed that their heirs still would not respond Spanish property – and that they still had not been exempted from tax by using the model if it had been the case.<\/p>\n
The letter, also sent to the Danish ambassador in London, Birger Riis-J\u00f8rgensen, also shows that the Danish Bank did not have permission to seek customers outside their Scandinavian customer base in Spain.\u00a0The Danish Bank today do not share in.<\/p>\n
Danish Bank Luxembourg director, Klaus nsted Pedersen, offered a settlement with the couple because the couple was about to be kicked out of their house because of the huge debt incurred after the event.<\/p>\n
Submitted some of Jyllands-Posten’s record in this case says Klaus Pedersen nsted that wording tax reduction, the bank has previously spent several years on his website, is unfortunate:<\/p>\n
“I remember formulating tax reduction.\u00a0It is unfortunate that should have been tax optimization, “says Klaus nsted Pedersen, comparing its products with advice that you can avoid the top marginal tax rate by paying on an installment pension scheme.<\/p>\n
Danish Bank director confirmed that the Luxembourg bank does not automatically transmit property to the Spanish authorities.\u00a0It is the customer’s responsibility.\u00a0But it’s not the reason why customers should choose Danish Bank Luxembourg than for example a Spanish bank:
\nSpecial expertise<\/p>\n
“Our position is that you must pay tax in the country you live in. The reason why you should choose to be a customer of ours over a Spanish bank, is that we have an expertise in international relations as one\u00a0not find in a Spanish or Danish bank.\u00a0And so we speak Danish.\u00a0Therefore it makes sense to be a customer in Luxembourg. ”<\/p>\n
Klaus nsted Pedersen says that he can not comment on the specific case of the British couple.\u00a0He said nevertheless:<\/p>\n
“All bankers are experiencing disputes with clients after an unfortunate situation, then find a solution.”<\/p>\n
<\/p>\n
Original Article in Danish<\/strong><\/p>\n <\/p>\n AF PETER NYHOLM og JULIE HORNBEK TOFT Foto: Jonas Pryner Andersen Det har i en \u00e5rr\u00e6kke frem til 2008 fremg\u00e5et af Danske Banks Luxembourgs hjemmeside, at \u00bbdu kan reducere skatten p\u00e5 dit afkast fra investeringer, formueskat og arveafgift ved at placere dine aktiver i den rette struktur.\u00ab <\/p>\n Det fremgik ogs\u00e5, at man som bosiddende i Spanien skal betale skat af sine v\u00e6rdier uanset, hvor i verden de er placeret – om det er indl\u00e5nskonti, fast ejendom, pensioner osv. Det var alts\u00e5 det, som Danske Bank tilb\u00f8d kunder bosiddende uden for Danmark at slippe billigere fra skattem\u00e6ssigt via r\u00e5dgivningsydelsen Wealth Planning med udgangspunkt i Luxembourg – en ydelse, som banken for \u00f8vrigt stadig reklamerer for. Nu omtales Wealth Planning sammen med \u00bbskatteeffektive l\u00f8sninger\u00ab. Adm. direkt\u00f8r Klaus M\u00f8nsted Pedersen fra Danske Bank International udtalte f\u00f8lgende i Morgenavisen Jyllands-Postens artikelserie om Sydbanks model til bel\u00e5ne ejendomme i Spanien via Nykredit med det prim\u00e6re form\u00e5l at reducere kundernes arveafgift: <\/p>\n \u00bbI Danske Bank yder vi ikke r\u00e5dgivning med henblik p\u00e5 skatteunddragelse. Det er heller ikke noget, vi laver produkter til. Vi hj\u00e6lper selvf\u00f8lgelig vores kunder med at optimere deres \u00f8konomi, men vi hj\u00e6lper dem ikke med at skjule penge for skattev\u00e6snet. Det er en fastt\u00f8mret politik, vi har p\u00e5 omr\u00e5det, der gennemsyrer hele vores organisation,\u00ab l\u00f8d det fra Klaus M\u00f8nsted Pedersen. <\/p>\n Jyllands-Posten er imidlertid i besiddelse af en korrespondance mellem netop Danske Banks Klaus M\u00f8nsted Pedersen og det britiske parlamentsmedlem Sharon Bowles, der taler et \u00f8konomisk presset britisk \u00e6gtepars sag. Parret, der er i 80’erne, bel\u00e5nte i 2003 deres friv\u00e6rdi i en luksusejendom i Spanien med et realkreditl\u00e5n for at overf\u00f8re pengene til tredjepart, hvor de blev investeret. <\/p>\n Produktet omtales som Equity Release Scheme, og kan minde om det, som Sydbank har tilbudt til deres spanske kunder. Af brevet fremg\u00e5r det, at \u00e6gteparret var blevet stillet i udsigt, at arveafgift p\u00e5 deres ejendom kunne undg\u00e5s. Formuen ville v\u00e6re tilg\u00e6ngelig via et private banking-arrangement i Luxembourg, ligesom \u00e6gteparret ville f\u00e5 overskud p\u00e5 transaktionen ved at investere deres penge i lavrisiko-obligationer. Det gik dog ikke s\u00e5 godt med investeringen. If\u00f8lge brevet til Klaus M\u00f8nsted Pedersen var det endt med et underskud p\u00e5 268.000 euro. Parlamentsmedlemmet oplyste samtidig, at eksperter mente, at modellen umuligt kunne give overskud pga. renterne fra realkreditl\u00e5nene. Hertil kommer, at \u00e6gteparret senere var blevet orienteret om, at deres arvinger alligevel ikke skulle svare spansk ejendomsskat – og at de alligevel ikke var blevet undtaget for skatten ved at bruge modellen, hvis det havde v\u00e6ret tilf\u00e6ldet. <\/p>\n Af brevet, der ogs\u00e5 er sendt til den danske ambassad\u00f8r i London, Birger Riis-J\u00f8rgensen, fremg\u00e5r det ogs\u00e5, at Danske Bank ikke havde tilladelse til at ops\u00f8ge kunder uden for deres skandinaviske kundebase i Spanien. Det er Danske Bank i dag dog ikke enige i. <\/p>\n Danske Banks Luxembourg-direkt\u00f8r, Klaus M\u00f8nsted Pedersen, tilb\u00f8d et forlig med parret, da \u00e6gteparret stod over for at blive smidt ud af deres hus pga. den store g\u00e6ld opst\u00e5et efter arrangementet. <\/p>\n Forelagt noget af Jyllands-Postens dokumentation i sagen oplyser Klaus M\u00f8nsted Pedersen, at ordvalget skattereduktion, som banken tidligere har brugt i en \u00e5rr\u00e6kke p\u00e5 sin hjemmeside, er uheldigt: <\/p>\n \u00bbJeg kan godt huske formuleringen skattereduktion. Den er uheldig, der skulle have st\u00e5et skatteoptimering,\u00ab siger Klaus M\u00f8nsted Pedersen, som sammenligner bankens produkter med r\u00e5dgivning i, at man kan undg\u00e5 topskat ved at indbetale p\u00e5 en ratepensionsordning. <\/p>\n Danske Bank-direkt\u00f8ren bekr\u00e6fter, at Luxembourg-banken ikke automatisk indberetter formueforhold til de spanske myndigheder. Det er kundens eget ansvar. Men det er ikke \u00e5rsagen til, at kunderne skal v\u00e6lge Danske Bank Luxembourg frem for eksempelvis en spansk bank: \u00bbVores holdning er, at man skal svare skat i det land, som man bor i. Grunden til, at man skal v\u00e6lge at v\u00e6re kunde hos os frem for en spansk bank, er, at vi har en ekspertise i internationale forhold, som man ikke finder i en spansk eller dansk bank. Og s\u00e5 taler vi dansk. Derfor giver det mening at v\u00e6re kunde i Luxembourg.\u00ab <\/p>\n Klaus M\u00f8nsted Pedersen oplyser, at han ikke m\u00e5 kommentere den konkrete sag om det britiske \u00e6gtepar. Han siger dog alligevel: <\/p>\n \u00bbAlle bankfolk oplever tvister med kunder efter en uheldig situation, s\u00e5 finder man en l\u00f8sning.\u00ab<\/p>\n","protected":false},"excerpt":{"rendered":" Although the Danish Bank Tuesday clearly distanced themselves from tax-finten on the coast, the bank has offered tax-reduction programs through Luxembourg, which a few years ago were classified as tax havens. Danish Bank has actively helped to reduce the tax for customers through tax havens. It has a number of years until 2008, passed by […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[56],"tags":[],"class_list":["post-751","post","type-post","status-publish","format-standard","hentry","category-lawbird-in-the-media"],"_links":{"self":[{"href":"https:\/\/www.lawbird.com\/wordpress\/wp-json\/wp\/v2\/posts\/751","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.lawbird.com\/wordpress\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.lawbird.com\/wordpress\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.lawbird.com\/wordpress\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.lawbird.com\/wordpress\/wp-json\/wp\/v2\/comments?post=751"}],"version-history":[{"count":4,"href":"https:\/\/www.lawbird.com\/wordpress\/wp-json\/wp\/v2\/posts\/751\/revisions"}],"predecessor-version":[{"id":1303,"href":"https:\/\/www.lawbird.com\/wordpress\/wp-json\/wp\/v2\/posts\/751\/revisions\/1303"}],"wp:attachment":[{"href":"https:\/\/www.lawbird.com\/wordpress\/wp-json\/wp\/v2\/media?parent=751"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.lawbird.com\/wordpress\/wp-json\/wp\/v2\/categories?post=751"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.lawbird.com\/wordpress\/wp-json\/wp\/v2\/tags?post=751"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}Danske Bank ogs\u00e5 med i spansk skattefinte<\/h3>\n
\nOffentliggjort 16.01.12 kl. 06:57
\nSelv om Danske Bank tirsdag klart tog afstand fra skattely-finten p\u00e5 Solkysten, har banken tilbudt skatte-reduktionsprogrammer via Luxembourg, der for f\u00e5 \u00e5r siden var klassificeret som skattely.<\/p>\n
\nDanske Bank har aktivt hjulpet med at reducere skatten for kunderne via skattely. <\/p>\n
\nSkjuler ikke penge<\/p>\n
\nUnderskud: 268.000<\/p>\n
\nS\u00e6rlig ekspertise<\/p>\n