Questions tagged [germany]

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

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4
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1answer
563 views

How is second income (full-time + freelance) taxed in Germany?

Hello ☀️ I am looking for some advice with some tax/finances questions. I am a software engineer, employed full time in Germany. I’m from the UK (EU citizen with no visa concerns, for now…). I earn &...
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0answers
15 views

Is foreign (EU) educational expense tax deductible for income in Germany?

I am a non-EU and I obtained a Masters degree in the Netherlands. And there was tuition fees involved. Now I will start working in Germany. Will the tuition expense in Netherlands be considered tax ...
0
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1answer
91 views

Long-term stock investment spanning multiple generations

Is there any financial product that would allow someone to invest a sum X (once or maybe add funds periodically) in a single stock, an ETF or similar for a minimum period of time, say 100 years? I'm ...
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0answers
65 views

Will I pay tax on selling the stock purchase plan I was granted by my employer in Germany?

Let's say an employer offers an stock purchase plan of 100EUR contribution from NET monthly salary of the employee across a quarter, that will be 300EUR total. Now let's say the employee at the end of ...
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0answers
31 views

Tax residency for Indian student in Germany and US

I am a citizen of India and I studied in Germany for three years (Sep 2017 to Aug 2020) before moving immediately to the US in Aug 2020 to start a doctorate program. Is my country of tax residency ...
11
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6answers
3k views

Negative p.a. rate for a 12-month loan

I ran across this offer (German) which basically promises me 1000 euros for free (or rather, they give me an additional 4 euros), and as far as the given offer shows, there are no further costs or ...
11
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1answer
3k views

Why is the price of hydrogen (H2) in Germany fixed at 9.50 EUR per kg?

In Germany there are only a few H2 gas stations. Why do they all have the same price? Why is the free market disabled here? Which law is responsible and why was it created?
1
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1answer
127 views

Tax-free dividends because of double payment?

I have just received a dividend of 0.11 $, from which 15% withholding tax was deducted. On the same day I received a dividend of 3,40$ from the same company, but without paying withholding tax. (for 3 ...
0
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1answer
81 views

When does the tax occur when selling ETF in Germany?

For example, I'm living in Germany and want to buy ETFs from Ing bank. If I buy an ETF for 10 Euro, then later I sell it for 15 Euro (but didn't withdraw the money out of the bank). At that time, does ...
2
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1answer
27 views

Tax implications of the interest earned in India

I have some questions regarding tax implications of the income in India from the following sources. NRE Account (FD and Savings) NRO Account (FD and Savings) Mutual Funds Interest in NRE account is ...
5
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2answers
339 views

What happens if you don't pay your credit card debt in Germany?

Thanks to COVID-19 I've lost my job, and I spent my money right and left very stupidly, and now I am in credit card debt of €3000. The bank blocked my account due to nonpayment for 3 months, and today ...
6
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1answer
259 views

What kind of insurance do I need for my little house in a garden?

There is a small house located in my orchard in Germany. The orchard contains mostly fruit trees and is situated in a landscape protection area. The house has two stories and is built of stone, but it ...
2
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1answer
332 views

How to cash a US check in Germany?

I am an Berlin based artist and I was going to participate in an event in the US in March. Due Covid-19 the festival got cancelled but the organization sent me a US check from the JP Morgan & ...
1
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1answer
136 views

Can a country that I live & pay taxes learn & know that I also pay taxes in another country?

I am a Turkish national, pay taxes in Turkey, but also if live & work & pay taxes in a Germany, can the German government know & learn that I also pay taxes to Turkey?
3
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1answer
92 views

What does “Listed Only” mean on German financial platforms?

When I'm looking at EFS, Funds and Stocks in the German market I alway see (and always only in English, surrounded by German words) "Listed Only" on all these exchanges. What do they mean? What is ...
0
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1answer
213 views

Can you legally keep topping up a pre-paid card with a credit card on a monthly basis to borrow money while earning points?

Having 2 credit cards, one of which is pre-paid, can someone keep topping up the pre-paid card with the other on a monthly basis therefore earning points? I am asking because in this way you can ...
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0answers
62 views

Buying Vanguard Total World Stock ETF in Germany via Flatex

I would like to invest in ETFs via an online broker in Germany (I use Flatex). I would like to buy an ETF tracking the MSCI World Index. The two main options I am considering are Vanguard Total World ...
0
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0answers
57 views

why is it always advisable to file taxes at the end of the fiscal year?

For a student living in Germany and having only income a tax-free scholarship, why is it always advisable to file taxes at the end of the fiscal year, as suggested by this answer
0
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1answer
98 views

Can I keep a German Bank account as non-resident

Last year (2019) I(non-european) did an exchange in Aachen, Germany (for 1 year) and had to open a bank account in Germany. I left it open on purpose when I left (around October) because I had an ...
3
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1answer
60 views

How much do I need to pay as taxes for this investment? How to calculate it?

I am relatively new to both investing and doing your taxes in Germany. I have read many articles, none of which were official documents because I couldn't find them (also I don't know German). But I ...
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1answer
44 views

Where is the fiscal resident of international students receiving scholarship

I am a citizen of Turkey, and I am studying in Germany while receiving a scholarship from the German government. Where is my fiscal residence?, i.e where is my tax-residency? Edit: I have no other ...
2
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1answer
83 views

Can public scholarship holders in Germany invest in stock market without losing their scholarship?

In Germany, if a person (a German national or not) receives a public scholarship (i.e funded by the government), they cannot earn more than 400Euros addition to the money they are getting from the ...
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2answers
54 views

German taxes while working in two different countries in 1 year

So in 2019 I spent 6 months working in Germany, moved out, and then spent 6 months working in Thailand (completely different companies). My family lives in Germany long-term, I have most of my stuff ...
1
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1answer
109 views

How safe are those online brokers and what to look for?

I am relatively new to the investment world. I know enough about economics & finance and I have bought & sold government bonds through my bank before. I am moving to a new country (Germany) ...
1
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1answer
115 views

Want to buy an american stock (Tesla) but I'm in Germany, which exchange should I go through for the best tax treatment?

I am a resident of Germany. Should I buy stocks on the Nasdaq or the German electronic exchange Xetra from a tax point of view?
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3answers
129 views

How to Compare Stock Exchanges?

Its not clear to me from a tax perspective (or other) which stock exchange I should buy from. For example; stock X may be available to buy on NDQ, FRA, or XET. What are the criteria for deciding from ...
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5answers
283 views

How to best make 100k EUR from 20k EUR within in 18 months [closed]

We will need around 100000 EUR by the end of 2021. We are willing to invest 20000 EUR. So how would we quintuple our funds within 18 months? We are aware that this is a high-risk undertaking and that ...
1
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1answer
52 views

When to declare a yearly bonus in Germany

I have been working for most of the past year in Germany as an EU national in a medium sized IT company, last January I was paid a yearly bonus in brutto corresponding to the previous fiscal year. I ...
0
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1answer
85 views

How much does a financial advisor charge in NRW, Germany?

I am 24 yrs old, software engineer working in Germany. I was able to save major chunk of my earnings and i am interested in investing the savings. I am interested in Real estate along with certain ETF'...
0
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1answer
74 views

Waiting for a refund that was approved 4 months ago. Company stalling and not getting back to me. Can I charge them interest on the sum they owe me?

As the title says, I booked a ticket with an airline (Condor Air) August, 2019. On December, 2019, I was granted a refund because their parent company went bankrupt and the airline stopped operating ...
1
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1answer
612 views

How/Where to open account for buying ETFs in Germany for beginners?

I'm from 3rd world country in Asia and have been living in Germany for a year and I want to invest some money (few thousands Europe as total and few hundred per month) to what called ETFs (exchange ...
1
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0answers
38 views

How is Deutsche Bank's vermögung service ROBIN?

I have been searching for different possibilities to invest in the markets for long term holding and trading. I do not intend to do leverage based trading and working with leveraged ETF's is not in my ...
3
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2answers
342 views

Better way to invest for a short time for a period of one year

I am having a rather confusing financial situation. A the moment, I am having around 1200 euros a month on savings. I have the emergency fund already set up. The only huge debt i have that i need to ...
1
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0answers
28 views

Tax Residency under FATCA and CRS

I am an Indian citizen and a PR holder in Germany. I am opening a depot account in Germany and there is a question about Tax residency. I would like to know if I am a resident for tax purposes only in ...
1
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1answer
54 views

Capital gains tax on profits from stock market in Germany

I was wondering whether there are any tax provisions on capital gains from stock trading in Germany dependent how long the stocks are held. can anyone please help me with that information ? Thank you.
0
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0answers
22 views

Carrying on loss from one type of income to another type for tax deduction

I have been wondering about tax question from the perspective of german tax system. Assuming that i have two kinds of income, income A from my full time job and income B is from the investments like ...
0
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1answer
223 views

Does Germany has a Tax law similar to Like-kind exchange ( section 1031 of IRS in US)?

I am 24 year old software developer living in Germany. I am an expat here and I am about to receive my permanent residence (Niederlassungserlaubnis) in a year. I am very interested in investments ...
2
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1answer
149 views

Can anyone give me an idea about investment scenario in Germany and the services I might need to be better equiped to invest?

I am 24 years old and have recently started working as a software developer in Germany. At the moment I have not commitments for family or kids and I believe this is the right moment for me to ...
1
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1answer
173 views

Does Schufa know how much you use your credit cards?

I read that if you use your credit cards, you build credit. I also read that if you get credit cards, your creditworthiness suffers. Both of these seem to make sense. Doing the former means that you ...
0
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1answer
228 views

How to cancel a credit card you currently have debt on if the bank won't respond?

Several months ago, I got a credit card from Santander. I've tried many times to get their app Santander Sign set up and after about two months, it finally worked. But I still can't sign in because ...
0
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0answers
36 views

french citizen living and paying tax in Germany : taxes applied to owned French bank accounts?

I am french citizen, but living and working in Germany. I pay taxes in Germany. I have with a French bank a "livret development durable" ("sustainable development bank account") on which interests are ...
0
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0answers
53 views

Working remotely from Germany into a foreign country

I am German citizen and got excited about remote positions. However, how does that work with German health insurance, German retirement plans and so on? Is there a possibility to still be employed in ...
2
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1answer
115 views

Filed taxes for 2016, 2017, then 2018. Now got the confirmation for 2018, is that order fishy?

I helped somebody else file their German taxes. We could go back until tax year 2016 and I know that you have to file them in chronological order. Therefore we sent off 2016, then 2017 and after that ...
1
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1answer
157 views

Investment Grade ETFs and their costs

If I was about to buy some LU0508799334, hold them for a while (ideally about 20 or 30 years) and then sell them again, could that be problematic? Its KIID specifies that the costs of buying or ...
6
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1answer
209 views

In which country do I pay capital gain taxes, as a German with a US Internship?

This year, I did an internship in the US, and during that time I bought some stocks. Now I am back in Germany, and got dividend payments on these stocks, and also want to sell some of them soon. ...
3
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2answers
395 views

Are banks in Europe allowed to charge you for too low a balance?

Ever since I've heard stories of people in the U.S. who (almost) emptied their accounts, I've feared of one day doing that too. I always make sure to have at least 100 EUR in each of my accounts. It ...
0
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2answers
91 views

How to calculate Income Tax in Germany?

In order to calculate my net salary I am using this calculator and it works pretty well: I have the exact same numbers on my payslips. I am able to calculate every tax by myself starting from my ...
2
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2answers
113 views

Is getting Schufa entries you don't recognize deleted always advantageous?

I recently obtained my credit score information from Schufa. I chose the free option ("Datenkopie"). The oldest entry is this one (blanked out by me): I don't remember ever having done business with ...
19
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6answers
4k views

Do insurance rates depend on credit scores?

When reading up on credit scores, I came across this article. It contains this paragraph: A bad score can become a black mark that leads to missing out on the home you want (credit checks are a ...
1
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2answers
112 views

Do consumption loans affect my credit score positively or negatively?

I want to build some credit in case I ever need a loan for something. I have never had any debt except for my credit card that I now have for about a year. But I only used it for a single purchase in ...

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