Health insurance in Germany is compulsory. There are approximately 110 health insurance funds throughout Germany. The right of choice is up to the worker himself. The rate applied as a general rule is 14.6%.
I would be delighted if we could jointly choose the best health box to suit your needs.
You can click on the link to make an appointment.
Note: This information is not intended as a substitute for personalised advice. Its purpose is to provide generic information.
If you are going to spend a season in Germany, what better way to do so than by adapting to their way of life.
The insurance concept in Germany is very much present in everyday life. Apart from health insurance, there are other insurances that we should take into account if we live or stay for a while in Germany. Of all the range of insurances and tariffs that we find in the market, we add the entities that work those products becomes something scary.
I invite you to take a look at PPF/First Financial Steps in Germany.
You can “Click” on the link to request an appointment
Note: This information is not intended as a substitute for personalized advice. Its purpose is to provide generic information.
Banks have little attraction for our savings. If we take into account that the average inflation in Germany is 1.1%, anything below this figure will result in a loss of purchasing power, which translates into a loss of money due to having it in the bank without a return.
Taking advantage of the advantages offered by the German state and seeking new horizons in the medium and long term and above all, more money from the banks is the key to our savings. I will be happy to analyze your personal circumstances and objectives and thus be able to shape your savings.
You can click on the link to make an appointment
Note: This information is not intended as a substitute for personalized advice. Its purpose is to provide generic information.
Also known as “Bausparkonto” in Germany. It offers the possibility of having a correct base for the purchase or modernization of our future home as well as protecting us from different circumstances and offering us an attractive return.
Ask me with pleasure what is the best alternative for you and your future.
You can “Click” on the link to make an appointment
Note: This information is not intended as a substitute for personalized advice. Its purpose is to provide generic information
We can live in different countries, cities, have children or not, these are circumstances that are totally individual. There are 2 circumstances that we all have in common: retirement and housing (see housing finance).
In this sense, we are all going to be retired at some point. This is a circumstance that we must bear in mind from an early age if we want to ensure a good final amount.
From the German state we will receive approximately 40% of our final net. That is why the German state offers a pension plan with tax advantages of up to 100%.
Please ask me which is the best alternative for you and your future.
You can Click on the link to make an appointment
Note: This information is not intended as a substitute for personalized advice. Its purpose is to provide generic information
Germany is a country with a high tax rate. However, we can see them reflected in a return of tax payments at the end of the year or even on a monthly basis.
Whether you are in the business world or not, paying less social taxes always sounds interesting and more when you extrapolate over the long term.
Find out how you can recover those extra euros by making an appointment.
Note: This information is not intended to replace personalized advice. Its purpose is to provide generic information
In general terms, we should have built 20% of our dream house. In many occasions it is difficult to know which financing is the most suitable for each one of us. Lack of time, language, multiple entities that offer their product.
I will be happy to help you select the best financial entity for your personal situation.
Note: This information is not intended to replace personalized advice. Its purpose is to provide generic information
Our payroll is the basis of everything. Among others, the tax return.
Our tax base can be reduced for various reasons. All of them act in a direct way when it comes to paying less taxes.
Your personal circumstances, if you work with insurance or take advantage of the benefits offered by the German state for retirement, get a direct reduction of your tax base.
I will be happy to explain to you what your personal circumstances are that make you different from other people.
Note: This information is not intended as a substitute for personalised advice. It is intended to provide generic information
If we think about optimization or planning, we should not think about applying for a credit. However, these are two concepts that intersect.
When we have our financial objectives set, we can anticipate our life cycle and thus avoid getting into debt.
The financial advisor can help you to discover the concepts hidden in the credits, even to apply for them in case of need.
Note: This information is not intended to replace personalized advice. Its purpose is to provide generic information.
Opening a bank account in a foreign country can even be difficult. Take advantage of the free service to open your bank account in Germany.
Note: This information is not intended to replace personalized advice. It is intended to provide generic information
Saving begins at home. In this sense, gas and electricity is a very important monthly expense in Germany. The advantage we have is that we can change companies every year to find the best price.
