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Download the Brochure Living and Working in Malta Living and working in Malta A snapshot of island life Deloitte Malta, 2018 Living and working in Malta 2Image: © viewingmalta.com Living and working in Malta Deloitte in Malta: 04 Global strength, local delivery Malta - Quick facts 06 Income and taxation 08 Standard of living 10 The Maltese climate, 12 cultural and social life Rental accommodation 14 The health system 16 Transport 17 Working in Malta 18 Life at Deloitte Malta 22 What do expats working in Deloitte 24 Malta have to say about life here? 3 Living and working in Malta Deloitte in Malta: Global strength, local delivery Deloitte Malta forms part of the Mission statement Central Mediterranean cluster The firm’s mission statement is “to of member firms, together be the Standard of Excellence - the with Italy and Greece. We are a first choice of the most sought- multidisciplinary firm which is after clients and talent”, and this strongly recognised as a leading underpins all that we do. provider of professional services, offering Audit & Assurance, Tax, Ready to respond Financial Advisory, Risk Advisory, The firm focuses on clients. We take Consulting and their related great pride in our ability to provide services to an extensive client base quality services – whether they are from large international and owner-managed businesses or a national clients to smaller family- large multinational corporation. We owned businesses. are a multiskilled, multidisciplined firm and we offer clients a wide Deloitte Malta has the largest range of industry-focused business international tax practice, a solutions. dedicated Financial Services Industry practice and an An award winning firm experienced Financial Advisory Deloitte Malta holds the prestigious arm, all serving a range of clients “Malta Tax Firm of the Year” title by that operate through Malta to take International Tax Review (European advantage of our skills, competitive Tax Awards 2018). This is the sixth cost base, regulatory environment, time that Deloitte Malta won this EU membership, and attractive tax award, having also won the award in system. 2010, 2011, 2014, 2015 and 2017. 4 Living and working in Malta 5 Living and working in Malta Malta - Quick facts Gozo Comino Mriehel: Deloitte Malta offices Valletta: Malta’s capital city Sliema: Shopping and restaurants St. Julians: Nightlife and entertainment Luqa: Malta International Airport Historical sites Malta Beaches 6 Living and working in Malta Where is Malta? 316 km2 422,809 Maltese & Mild winters Landmass Population English and hot, dry (countrymeters. Malta’s official summers info/en/Malta languages 11 June 2018) Malta’s climate Joined the Joined the European Euro Union 1 January 2008 1 May 2004 7 Living and working in Malta Income and taxation Value Added Tax employment. The employer The standard rate of Value Added must deduct the social security Tax is 18% and applies to the contribution in addition to the purchase of most goods and income tax deductions. services. Malta residents are able to benefit Income Tax from an extensive double tax treaty The rates tax applicable to an network that protects them from individual resident in Malta are being taxed more than once, in progressive rates with a range of 0% different countries, on the same to 35% (see tables opposite). The income. In a case where there is no higher the income, the higher the double tax treaty in place, Malta has tax rate. A person who is resident a system of unilateral relief whereby in Malta for more than 183 days a any taxes paid abroad may be used year will be taxed in Malta on his/ as a credit towards any income tax her income earned in Malta, as well due in Malta on that same income. as on any income earned overseas that is received in Malta. The law Government bonuses stipulates that, each month, the The Government announces an employer is obliged to deduct the annual cost of living salary increase amount of tax payable on a salary, for all full-time employees. Statutory at source. bonuses are payable to employees four times yearly as follows: Employers and employees must also make weekly social security March €121.16 contributions which are generally June €135.10 equivalent to 10% of the employee’s salary, up to a maximum of €5.58 September €121.16 per week (if born after 1962); December €135.10 however the actual contribution would depend on the type of 8 Living and working in Malta Tax rates for resident individuals Rate Single Married Parent % € € € 0 0 - 9,100 0 - 12,700 0 - 10,500 15 9,101 - 14,500 12,701 - 21,200 10,501 - 15,800 25 14,501 - 19,500 21,201 - 28,700 15,801 - 21,200 29 19,501 - 60,000 28,701 - 60,000 21,201 - 60,000 35 60,001+ 60,001+ 60,001+ Tax rates for non-resident individuals Rate Non-resident % € 0 0 - 700 20 701 - 3,100 30 3,101 - 7,800 35 7,801+ 9 Living and working in Malta Standard of living Living standards in Malta are good advanced European economies. and compare well with those of Education and health facilities are of continental Europe. Malta is in a very high standard and available fact considred to be amongst the to all. best countries for expatriates to settle. The World Happiness Report Indices for Malta compare very well 2018 shows Malta to be the 22nd with other countries in terms of happiest country in the world, its cost of living, the environment, beating Germany, France, Spain and freedom, health, safety, and climate. Italy (156 countries ranked). Annual living costs in Malta are substantially lower than most of The report considered different the developed European countries. factors, of which six were deemed Safety and security are outstanding. most important: Children can play outside in absolute safety in many villages, and • GDP per capita; most areas are safe to walk or drive • Healthy years of life expectancy; around at night. International Living Magazine quotes Malta as being • Social support ( as measured by one of the best countries to live in having someone to rely on during for its climate, “Malta is a desirable hard times); destination for a multitude of • Trust (as measured by the reasons, but for many people its absence of government weather likely tops the list. Smack corruption); in the middle of the Mediterranean, this English-speaking island clocks • Freedom to make life decisions; 3,000 hours of sunshine per year.”. and • Generosity (as measured by Malta is a member of the European recent donations) Economic and Monetary Union and uses Euro notes and coins. All major Life expectancy and infant mortality credit cards are widely accepted in rates are comparable to those of main hotels, shops and restaurants. 10 Living and working in Malta Image: © viewingmalta.com As one of the largest international community for people who live and work abroad, InterNations offers global networking opportunities, local events and expat-relevant information. The organisation surveyed more than 14,000 expats from over 191 countries to find the homes away from home with the best climate: “Malta – As much as 92% of expats were attracted to Malta for better weather. Life is good on the Mediterranean island, with nine out of 10 expats in Malta stating that it is easy to settle down there.” uk.businessinsider.com, August 2017 11 Living and working in Malta The Maltese climate, cultural and social life Image: © viewingmalta.com The Maltese climate Scirocco wind from Africa brings Malta’s climate is typical of the unseasonally high temperatures Mediterranean and is strongly and humidity. influenced by the sea. The Maltese Islands have a pleasantly sunny Winters are mild, with the occasional climate with a daily average of short cold spells brought about by around 12 hours sunshine in the north and north-easterly winds summer going down to five to six from central Europe. Annual rainfall hours in mid-winter. Summers are is low, averaging 568mm a year. hot, dry, and very sunny. Daytime Bathing in the sea is quite possible temperatures in summer are well into the ‘winter’ months, and often mitigated by cooling sea the peak beach season can last until breezes. Spring and autumn are mid- to late October. cooler, except when the occasional 12 Living and working in Malta The cultural and social life The Maltese islands also pride In Malta one enjoys a rich cultural themselves in being voted as the and social life. During the summer second ‘Best Diving Destination the Maltese enjoy a great outdoor 2013’ at two separate ceremonies, life due to the Mediterranean the Diver and Sport Diver Awards, climate and the numerous beaches held in London in February 2014. dotting the coastline. Al fresco dining is the order of the day. Language Promenades along the seafront are Maltese (Malti) is the national a meeting place and one can either language of The Maltese Islands stop for a chat or just have a brisk and a co-official language of the walk to get some exercise. country alongside English, while also serving as an official language of the At a distance of a kilometre or two, European Union, the only Semitic you can try out a new sport, laze on language so distinguished. Maltese a cruise around the islands, or tour is descended from Siculo-Arabic the most important historic sites. (the Arabic dialect that developed And after that, you can still have in Sicily and later in Malta, between time to enjoy the nightlife which the end of the ninth century and the can be as fast-paced in Malta as in end of the twelfth century). About any European city.
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