TY Advisory Pte Ltd

23/09/2026

🇸🇬 海外餐饮品牌想来新加坡卖加盟，需要先注册 Franchise 吗？

一般来说，新加坡没有马来西亚那样的特许经营注册程序。但无需注册加盟关系，不等于签了合同就能直接开店。👨🏻‍💼🍽️

无论你是海外品牌方，还是准备加盟的新加坡企业，付款前先查清：

📝 授权：签约公司真的有权授予新加坡经营权吗？

®️ 商标：品牌在新加坡的商标状况和使用范围是什么？

🍽️ 牌照：餐厅开业前，是否已取得适用的 SFA 餐饮牌照？

💰 税务：付给海外品牌的加盟费、特许权使用费或服务费，是否涉及新加坡预提税？

加盟费谈妥，只是第一步。把授权、牌照和付款安排查清楚，再决定签约及开店时间。

你正考虑把海外餐饮品牌带进新加坡？留言「新加坡加盟」，我会分享签约前值得核对的资料清单。

#新加坡加盟 #餐饮创业 #海外品牌

15/09/2026

💰 Could Your Business Be Paying More Tax Than Necessary?

Many business owners review their tax position only after the financial year has ended—when valuable planning opportunities may already be lost.

If you are operating as a Sole Proprietorship or Partnership, it may also be time to consider whether a Private Limited Company (Pte. Ltd.) is more suitable.

You should review your business structure when:

✅ Your business profit is increasing
✅ Your personal tax exposure is becoming higher
✅ You want to separate personal and business liabilities
✅ You plan to obtain financing or bring in investors
✅ You are preparing for expansion or succession

However, setting up a Pte. Ltd. does not automatically mean lower tax.

The right structure depends on your profit, salary and dividend plans, business risks, compliance costs and long-term objectives.

Good tax planning starts before the financial year ends—not after the tax bill arrives.

📩 Contact us early to review when and how to restructure your business properly.

Comment “REVIEW” or send us a private message for an initial discussion.

11/09/2026

Using your personal bank account to collect business payments?

Be careful—your account could eventually be restricted or frozen. ⚠️

Many business owners ask customers to transfer payments directly into their personal accounts because it is more convenient.

One or two transactions may not immediately cause an issue. However, repeated business transactions may trigger a bank compliance review, especially when there are:

🔴 Frequent payments from unrelated customers
🔴 Transactions inconsistent with your income or occupation
🔴 Large cash deposits or overseas transfers
🔴 Company invoices paid into a personal account
🔴 Funds moving in and out of the account rapidly

During a compliance review, the bank may request:

✅ Business registration documents
✅ Customer invoices and contracts
✅ Proof of goods delivered or services provided
✅ Source-of-funds documents
✅ Tax filings and accounting records

If you cannot provide a reasonable explanation, the bank may temporarily restrict transactions, freeze certain funds or even close the account.

This is particularly important for a Sdn. Bhd. or Pte. Ltd. A company is a separate legal entity from its directors and shareholders. Therefore, company revenue should be collected through the company’s bank account.

Best practices:

✅ Receive business income through a corporate account
✅ Record expenses paid personally as amounts due to the director
✅ Transfer company money mistakenly received personally back to the company
✅ Keep complete invoices, contracts and payment records

Separating business and personal funds is not just good accounting—it also protects both the company and the business owner.

If your business is still collecting customer payments through a personal account, start organising your records and arrange for a proper business bank account.

04/09/2026

30/08/2026

Selamat Hari Merdeka, Malaysia! 🇲🇾

On this special day, we extend our warmest wishes from Singapore to all Malaysians as you celebrate 69 years of independence.

Malaysia and Singapore share more than just borders — we share history, culture, friendships, families, and strong economic ties.

May Malaysia continue to move forward with unity, resilience and prosperity, creating greater opportunities for generations to come.

Happy 69th Merdeka Day, Malaysia!
May the friendship between Malaysia 🇲🇾 and Singapore 🇸🇬 continue to grow stronger for many years ahead.

25/08/2026

🇸🇬 每名孩子约获S$70,000！新加坡最新7大政策重点

新加坡总理黄循财于2026年8月23日发表国庆群众大会演讲，重点加强家庭、住房、科技及未来发展支持。

1️⃣ 儿童援助
从2027年4月1日起，新SG Child Support Package最高S$62,000；加上现有Medisave及Edusave，每名新加坡公民孩子从出生至17岁可获约S$70,000直接援助。

2️⃣ 增加育儿假
每名在职父母：
🔹1名孩子：8天
🔹2名孩子：10天
🔹3名或以上：12天
实施日期尚未公布。政府将承担法定育儿相关假期费用，但须符合报销条件及上限。

3️⃣ 降低学前教育费用
政府支持的学前教育机构，目标月费为：
🔹全日托儿：S$150
🔹全日婴儿照护：S$300
从2028年起逐步下调，计划2030年达到目标。

4️⃣ 调高住房收入顶限
🏠 BTO家庭：S$16,000
🏢 EC：S$18,000
👤 35岁以上合资格单身人士：S$8,000
从2027年2月起，首次购屋家庭每名合资格孩子可获额外一次抽签机会。

5️⃣ 科技与AI保障
新加坡将发展自动驾驶、AI医疗及员工再培训，同时加强青少年网络保护，确保科技仍由人掌控。

6️⃣ 长期外岛规划
政府正研究外岛发展、先进制造、能源设施，以及连接本岛与德光岛的海底隧道。以上仍属长期研究，并非已经批准动工。

7️⃣ 保持开放与连接
新加坡将适度引进新公民和外国劳动力，同时确保新加坡公民继续占人口多数，外籍劳工补充本地人力，并协助新公民融入社会。

📌 企业与HR行动重点：

✅ 检查员工手册与育儿假政策
✅ 规划员工休假期间的工作交接
✅ 留意政府报销条件及实施日期
✅ 不要把待公布措施当成已经生效

资料来源：Singapore Government、PMO Singapore

#新加坡 #黄循财 #育儿津贴 #育儿假 #新加坡企业

09/08/2026

Today, we celebrate 61 years of unity, resilience and progress — and the people who continue to shape Singapore’s journey forward.

May Singapore continue to grow from strength to strength, creating new opportunities and a brighter future for generations to come.

Together, as one united people. ❤️🤍

Majulah Singapura! 🇸🇬

Happy National Day!

04/08/2026

🤔 关联公司之间的收费，可以自己随便定吗？

答案是：不可以！❌

只要关联公司之间涉及：

💼 Management Fee 管理费
💻 Service Fee 服务费
💰 Intercompany Loan 关联公司贷款
📈 Interest 利息
©️ Royalty 特许权使用费
📦 商品买卖

都有可能涉及 Transfer Pricing（转让定价）。

🇲🇾 马来西亚 LHDN
🇸🇬 新加坡 IRAS

两国税务机关都要求关联交易符合 Arm’s Length Principle，也就是“独立交易原则”。

简单来说，即使属于同一个集团，收费也必须接近市场价格，不能想收多少就收多少！⚠️

税务机关可能检查：

✅ 交易是否真实
✅ 服务是否带来商业利益
✅ 收费及利润加成是否合理
✅ 合同、发票和服务证据是否一致
✅ 是否有Benchmarking支持

📌 特别注意：

⚠️ 文件豁免 ≠ 定价豁免
⚠️ Transfer Pricing ≠ Withholding Tax
⚠️ 同一笔跨境付款，可能同时涉及两套税务规则！

那么，Withholding Tax会影响Transfer Pricing吗？🤔

👉 下一篇继续告诉你！

#转让定价 #跨境税务 #关联交易 #老板必看