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Questions tagged [germany]

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

5
votes
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 ...
42
votes
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,...
1
vote
0answers
34 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 ...
0
votes
0answers
12 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
votes
1answer
143 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 ...
2
votes
1answer
83 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 ...
1
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0answers
27 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
votes
1answer
72 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
votes
1answer
65 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
votes
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
votes
2answers
211 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 ...
1
vote
2answers
351 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 ...
1
vote
0answers
88 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
vote
1answer
168 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
votes
2answers
48 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
vote
1answer
75 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
votes
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 ...
0
votes
1answer
31 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 ...
1
vote
1answer
70 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
votes
3answers
245 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
votes
2answers
119 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
votes
1answer
178 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 ...
4
votes
0answers
162 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 ...
1
vote
0answers
53 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 ...
-1
votes
1answer
74 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
votes
12answers
13k 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
votes
3answers
385 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 ...
11
votes
8answers
6k 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
votes
6answers
6k 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 ...
3
votes
1answer
112 views

Tax category in germany when paying for girlfriend rent/education (not married)

I am going to care of my partner during the time she does her master. She's persian and will do her master in Germany. I'll basically be responsible to pay for life costs, universities etc. I know ...
2
votes
1answer
123 views

What are the fees for selling ETFs from a savings plan in Germany?

When I create a savings plan for ETFs in Germany at a german bank, I collect securities, ETFs in this context, over time. After the end of my savings plan's duration, I do not exactly understand what ...
0
votes
1answer
112 views

Investing in German stocks as a USA citizen

I currently invest in a German company through an ADR, but have been informed that the ADR is being shutdown. I am thinking about investing directly on the German stock market. What fees, taxes, etc....
1
vote
1answer
296 views

Investment strategies for an 17/18 year old

Background: I am 17 years old, finishing school and turning 18 in 3/4 years. I'm planning on going to college/university directly after school. I have a private Giro with ~1000€ (0.2% interest) and a ...
4
votes
2answers
224 views

Used to have German current account, left without closing it

In 2011 I spent a few months in Berlin and opened an account with Berliner Sparkasse. I left the country (returned to the UK) but neglected to close the account (every interaction with the bank ...
57
votes
5answers
14k views

Borrowing money in one country to pay off debt in another

I'm currently living in Germany and can borrow a substantial amount of money at almost no interest, effective 3.4%. In my home country I have several mortgages, basically at the moment funding ...
1
vote
4answers
205 views

How do I avoid excessive fees when I get paid in CHF and need EUR?

I live in Germany and will soon receive monthly payments in CHF. How can I best transfer this money to my local bank account (EUR)? My local bank charges 20 € per conversion and uses an unfavorable ...
0
votes
2answers
157 views

Germany tax refund

My fiancé and me are planning to get married before the end of this year. I'm Egyptian and he is German. Can we do the tax refund before the end of this year or we hv to wait till next may? Can we do ...
0
votes
2answers
179 views

Can I get a full-time job in Germany but ask the German company to sign contract with my own corporate in Canada instead of myself?

I found a full-time job and I am moving to Germany. I've established a corporate in Canada and did some consultant job through it. Is it possible for the Germany company to sign the contract with my ...
53
votes
4answers
15k views

Random and anonymous `western union´money transfers into my account, is it a scam?

Two months ago I received a money transfer of around 200 € into my account from a company called Custom House Financial UK, which turns out to be an affiliate of Western Union (ie. they do money ...
3
votes
1answer
124 views

Receiving stock as a gift in Germany

I’m looking to gift my brother some stock that I currently hold in my name in the US. He lives in Germany, and I’m having trouble finding how that would be treated under German tax law. Would he be ...
3
votes
0answers
157 views

What happens to my U.S. Social Security and pension if I retire in Germany?

If I retire in Germany, can I receive my U.S. Social Security and pension there, and will it be taxed?
1
vote
0answers
50 views

Germany tax class residence permit valid anmeldung

I was in Germany last year for more than six months and I have a valid RP as well. Now, I am planning to move back to Germany for just 2 months for a work assignment under Short-term WP. Now my ...
1
vote
1answer
86 views

Does one pay tax for “Betrag der ausschüttungsgleichen Erträge” of an accumulating ETF in Germany?

There are some accumulating ETFs which may create taxable events. Previously they were considered "tax-ugly", because it was possible to double-pay some tax. After tax reform in 2018 there is a tax-...
2
votes
2answers
205 views

Loan & building a house in Germany (Bavaria)

I would like to ask what are conditions when you want to build a house in Germany. Is it necessary to have your own savings before you ask the bank for a loan or you can ask for 100 % loan.
3
votes
1answer
126 views

What are risks / expenses to buy a house in Germany?

I think about buying a house in Germany (Frankfurt). How can I learn full list of expenses I should pay next at least ~15 years? My friend scares me that there are always hidden problems like central ...
3
votes
5answers
2k views

Investment options for a 26 year old living in Germany

This question might seem quite broad, but my intention is just to get some basic understanding of the investment options available in Germany considering the fact that I am new to the world of ...
1
vote
2answers
281 views

Tracking S&P in Germany

I would like to buy stocks that track the S&P500 in Germany (German citizen - I live and pay taxes in Germany). If I was in the US, I would probably go for an ETF like VOO (Vanguard S&P 500 ...
0
votes
3answers
592 views

Can money work that hard for you?

Yesterday I was thinking about this: Assume you have around 600.000€, and get around 10% to 25% annual return on a fairly aggressive fund investment. Now assume that each year you take out 80.000€ ...
1
vote
0answers
592 views

Money Transfer with wrong IBAN

i made a send payment from 5 days ago and now I was surprised that i forgot one number from IBAN and IBAN is incorrect,does that mean money still in my country? i know that the Bank will receive ...
3
votes
1answer
137 views

KMyMoney: Extract payee from memo field using regular expressions

short version: How does the "Extract payee from memo field" feature in KMyMoney work? You can find it here: KMyMoney > Accounts > Choose account > "Edit Account" > "Online Settings" > "Extract payee ...