Questions tagged [germany]

to be used for any question within the geographical region of Germany

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1answer
139 views

Get written statement from landlord for a mold that could happen because of his decision over phone?

In my apartment I closed up the ventilation in my bathroom with baking paper. The reason is since it is summer many insects like hornets, wasps and even centipedes started coming from that ventilation ...
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1answer
105 views

What happens with a credit card account in Germany after the card is blocked/closed?

I have an everyday account in a bank in Germany and a Visa credit card account in the same bank. At the end of each month the negative credit card balance is automatically balanced by an automated ...
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4answers
241 views

How to withdraw cash from a credit card if the cash advance limit has been reached

I have a German bank account and a Visa credit card attached to it, but left Germany some time ago and live in a non-European country. Last Monday a bank officer from the German bank called me on my ...
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1answer
125 views

Can I invest in the German stock market as an international student?

Can an international student, holding student resident permit invest in the German stock market? As international students are not allowed to start a business so does that restrictions also apply to ...
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2answers
127 views

Tax in Germany on ETF, government bonds, stocks

I've heard Germany tax rate on ETF capital gains and dividends is Kapitalertragsteuer + Solidaritätszuschlag = 26.375% (assuming you don't want to pay church tax also) Is this tax rate the same on: ...
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2answers
86 views

Tax relaxation for Indians in Germany

I have recently employed in Germany for one year. I am from India. Is there any tax relaxation for Indians in Germany? I am married.
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0answers
98 views

Why is Baader Bank always a tiny bit cheaper?

I recently started buying ETFs. One weird thing I see is that Baader Bank is always a tiny bit cheaper. In the example below, Tradegate is 0.4% more expensive than Baader Bank: The difference is not ...
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2answers
255 views

Cash payment in used car dealership

I plan to purchase in a used car dealership without financing. In order to be prepared to buy on the spot what money transfer options are common place? If all possible I prefer a method which leaves a ...
2
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1answer
93 views

How is the average salary calculated for time spend outside Germany

I spent the last few years working and paying taxes in the US with salary X. I then moved to Germany where I get salary Y. This is also the first time I pay taxes in Germany. Within one year of the ...
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2answers
89 views

NRI, German tax resident having foreign income

I am working in Germany in an it company last 3 years and paying tax as normal. Now I am getting some earnings as website advertisement and it is coming from US/UK through paypal account and credited ...
3
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2answers
137 views

First time German Tax declaration, asked about foreign income

I am EU citizen, I was wondering how the German tax system would allow me to get proper refund after I left the country. I went to Germany in middle 2016 and worked there until end March 2018, then ...
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1answer
215 views

Online Shop won't deliver - What's my best choice of action? Inkasso or PayPal?

I ordered something online (~150€) from a shop that had ~30k mostly. positive reviews online. (After the fact I realized that all reviews from the last few weeks were horribly negative, though.) I ...
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2answers
120 views

Taxes on shares

I am wondering about an aspect of taxes on shares. What exactly is taxed? How is the fee of my bank factored in? (Is it at all?). I am asking specifically for the German take on this, but I assume ...
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1answer
102 views

Is it possible to refund semester fees via income tax return in Germany?

Colleagues at work mentioned that semester fees for the Master studies can be declared for the tax return as for the position that we have at work, having a Master degree is mandatory. Can someone ...
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2answers
203 views

Realize losses and gains at convenient time

Suppose I am long-term invested in some stocks or etfs. Consider the following two situations: 1) stock market is high, my personal income from work is low. Is it a good idea to sell (part of) my ...
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2answers
227 views

Stock markets and dividends: When exactly does one need to own shares to be entitled to the dividend? [duplicate]

I have a more or less formal question regarding dividends. If a company pays an (annual) dividend of - say - 5%, this is voted for/against on the annual general meeting. Now, the dividend is paid ...
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1answer
151 views

Paying the rent with profit of private investment company: What what would be the best construct?

My partner and I have rented a home in a small village and would like to stay there for many decades to come. However, I feel uncomfortable being a tenant. So, we have saved enough money to buy a ...
2
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1answer
112 views

Understanding how the german tax system works [duplicate]

I hope that you can help me understand how the German tax system works. I recently found a job in Berlin with a yearly gross salary of 68000. I am married (we are both Spanish) but my husband is ...
3
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1answer
288 views

My mother’s brother died in Germany. He had no wife or children. She is the only living sister

I would like to know if she gets half of what he had and then it is split with nieces and nephews? Or is it all the same? He had a document for his house that said the house is to be sold and will ...
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4answers
430 views

Does it make sense to invest in real-estate if you do not have any heir to your investments?

We are an expat couple (< 30 years old) currently living in Germany. We are wondering about the long term benefits of investing in real estate when we do not have a plan to have children of our own ...
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2answers
134 views

How can I practically buy bonds?

A moderately low risk of investment is a government bond. If I understand correctly, I spend €1000 on a 5-year bond at a yield of 1%, then in 5 years I get back 1000*(1.01)**5=€1051.01, unless the ...
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2answers
3k views

Net salary in Germany for programmers

I got an offers as a freelancer to work from Germany (the company is not German but I will live in Germany when I'll work for them). Since I'll be a freelancer in need to give them an hourly rate for ...
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5answers
10k views

When to stop saving and start investing?

Since I started my first job after graduating a few years back, I always saved a certain percentage of my salary each month on an extra savings account my bank offers. At that time, and until recently,...
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0answers
44 views

Did the German tax for share based fund drop by 30% since 2018?

In Germany is a new rule for taxing share based funds since 2018. As far as I understand it, the following rules are now in place: One has to tax pay for fond distributions. One used to pay tax for ...
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0answers
27 views

Tax on vested shared Germany (analogue of 83b election)

In the U.S. they have something called 83b election, relevant when a founder have shares that are vested. To my understanding, one must file this election shortly after the company is founded, ...
2
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1answer
178 views

Old Barn House: Hidden Costs?

Thank you in advance, I never thought about money twice before visiting this site! Background Info: Germany. I am in my mid 20s. My long term boyfriend and I make around 100k a year together. He ...
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1answer
105 views

Does the price per share matter for otherwise similar ETFs?

For example looking at IE00B5BMR087 and IE0031442068 (both links in German), they seem to be very similar. Both try to track the S&P 500 in the same ways, the main difference seems to be that one ...
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0answers
56 views

Capital gain tax on stocks for nonresident alien under USA-German tax treaty

I am trying to understand the tax treaty between USA and Germany but this is a pain. I am in the USA on a student visa and considered to be a nonresident alien for tax purposes. I had some gain from ...
2
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1answer
80 views

Understanding German state health insurance terms Mindestbeitrag for self-employed

According to this site, they operate with the following terms around a minimal monthly insurance fee: Beitragssatz - Mindestbeitrag EUR 1038.33 Krankenversicherung - 163,02 What is now the mandatory ...
4
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1answer
78 views

Germany - Tax implications for a full-time contract in the same year of a HiWi contract

I'm about to graduate from a German university. At the beginning of the year, I am working a HiWi (research assistant) job, and the contract ends in March. After I graduate I'm going to take up a full-...
41
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6answers
12k views

What do I need to watch out for when receiving a large sum of money as a gift in Germany?

I live in Germany. If my father would want to give me a large sum of money - let's say 10,000€ - what would be the safest, least bureaucratic way to do this? I'm an apprentice and I still receive ...
3
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2answers
281 views

Deutschland Einkommenssteuererklärung / Germany income tax return

I recently moved to Germany with my spouse and I started to work in November 2018. We got married before moving to Germany. We have both been assigned tax class IV. In my pay slips of November 2018 ...
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2answers
368 views

Why do we pay taxes on something that we can later deduct from taxes?

I live in Germany and have been asking myself this for quite some time. When I hire and pay a craftsman in Germany, I pay taxes. These taxes are paid by the craftsman to the state. At the end of the ...
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0answers
96 views

Amex personal savings

I opened Amex personal savings when I lived in U.S. with U.S visa. But now I moved to Germany due to my job and no longer live in U.S. For TAX reason, Do I need to send W-8 BEN form to Amex national ...
1
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1answer
174 views

Is it a good idea to buy a garden property/allotment? [closed]

If I have the capital to buy a garden property (“Freizeitgrundstück/Schrebergarten“), would it be a good idea financial wise? Are garden properties a stable form of investment? What things do I have ...
2
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2answers
51 views

Does date of sending or receiving money count for tax?

I am to receive a sign on bonus. In 2018 I earned not much money but in 2019 I will, because of the new job. My employer agreed to send the money on signing in 2018 as this makes quite a difference in ...
1
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1answer
81 views

Wrong tax class

A few weeks ago I moved from Brazil to Germany to work for a IT company. I went to the Bürgerbüro to register my residence. The employee who did my paperwork asked if I was married. I am married to a ...
5
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3answers
3k views

I still have my German bank account, but I'm not residing within the EU anymore. Can I use it to receive EU income?

I lived in Germany for 2 years (up until earlier this year) and used my Comdirect bank account to receive my salary while I was working there. Fast-forward and I leave my job and return to my home ...
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1answer
33 views

Identifying the field for Lohnermäßigung/Steuerfreibetrag in the official German tax deduction spec

In Germany, you can get kind of discount on your tax if you are paying for a Kindergarten. This is called in general Lohnsteuerermäßigung and gives you a Steuerfreibeitrag (there are obviously also ...
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1answer
76 views

Which is the correct source for the correct German Lohnsteuer deduction?

Coming from here, I have now the following data and must say I'm quite puzzled. Which value is correct now? #1 Given the reference data from a German software company specializing on tax software. ...
4
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3answers
271 views

Job offer Purchasing manager

Been talking with a lady from Germany that wants me to be a purchasing manager. Here is the info I got This work-at-home position is responsible for generation of purchase orders using Company's ...
2
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2answers
122 views

What taxes should a Middleman pays?

I have the opportunity to become a middleman (i am new to the "sport"),in parallel with my current job! I live currently in Germany and i am able to buy goods in bulk from another country (in EU), ...
5
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1answer
191 views

Tax deduction macros in Python for Germany

I work to implement a set of German tax deduction macros in Python for private use and have some errors, one of my troubles is correct deduction of Lohnsteuer. There are quite many online calculators ...
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0answers
206 views

Why does Mastercard allow Santander (Germany) to issue a Maestro card with a revolving credit?

Maestro is a debit card product by Mastercard. So far I have only seen or heard of cards which are one of the following: Linked to a checking account at the same bank that issued the card Linked to ...
2
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0answers
56 views

Why invest in managed mutual funds? [duplicate]

As I can see it, nearly no managed mutual funds beat the index over more than 5/10 years. They don't only have to beat the index, they also must get the fees back to outperform the index fund. So why ...
0
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1answer
75 views

Where do I pay taxes when payed by Finnish company as German citizen?

If I am paid by a company that is based in Finland while I am a German citizen, where do I pay taxes and to which government? If to only one, do I need to tell about it? I am a citizen of Germany. ...
42
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12answers
14k views

Should I buy a house now before prices rise even more?

We rent an apartment in Frankfurt, Germany and we are contractually bound to it for another 1.5 years. We are 33 and 35 years old and there will be children soon. We make around 110k € annually (...
5
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3answers
389 views

When would it be better to pay my public transport ticket at once vs. in 12 monthly installments?

I live in Germany and I use public transport to go to work. I have a yearly public transport ticket which costs 1000€. The transport association offers me the choice of paying 1000€ in one transfer ...
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8answers
7k views

Is it better to take highest mortgage you can afford?

My partner and I are looking to buy at the moment. I won't get into all the details but we live in Germany, have a budget in mind and have talked with a few brokers and providers. Our idea for the ...
26
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6answers
7k views

Umlaut Character in Account Holder Name (German Bank)

I sent a payment through international bank transfer to Germany. But, the account holder name has special characters like ö, ä, ü, and etc. In my case, it's ü. Is there any other words that are ...