Germany is a lovely country with a rich culture, energetic cities, and breathtaking natural scenery. Whether as a primary residence or a vacation property, many people have aspirations of having a home in Germany. Yet, purchasing a home in Germany can be a difficult procedure, so it’s crucial to comprehend the financial and legal implications before choosing. We’ll walk you through the essential procedures of buying a house in Germany in this blog post.
Determine your budget
Setting a budget is the first step in buying a home in Germany. Across the country, there is a vast range in housing costs, with big cities like Berlin and Munich having the highest costs. Other expenses including property taxes, notary fees, and maintenance expenditures must be taken into account.
Credits: Memedroid
Find a property
In Germany, there are various options for finding a home, including local newspapers, internet real estate portals, and real estate agencies. Dealing with a real estate agent can be very beneficial because they can help you navigate the process and offer knowledgeable commentary on the neighborhood property market.
View the property
It’s important to see a home in person once you’ve located it and are interested in it. This will give you a feel of the property’s condition, the neighborhood, and the nearby amenities. If you don’t speak fluent German, and might have questions regarding the property, you can book a German-speaking helper here to accompany you to the visit!
Hire a notary
It is a requirement in Germany to use a notary during the purchasing procedure. The notary will be in charge of the transaction’s legal details and make sure the sale is binding on the law. The typical notary charge is 1.5% of the purchase price.
Sign a purchase agreement
You must get into a purchase agreement with the seller of a property you wish to purchase. The terms and circumstances of the transaction, such as the purchase price, the terms of payment, and any contingencies, shall be described in this agreement.
Obtain financing
You must apply for a mortgage from a German bank if you need funding for your home purchase. In order to borrow money from German banks, a down payment of at least 20% is often required.
The transaction must be completed as the last stage in the purchasing procedure. In addition to registering the property with the local Land Registry, this entails transferring the purchase price to the seller’s account.
To sum up, buying a house in Germany can be a challenging process, but with the correct assistance, it can also be a rewarding one. Do your homework, set a budget, and consult with seasoned experts if you’re thinking of purchasing a home in Germany. Good luck finding a home!
There are a few important things to understand before moving to Germany if you’re thinking about doing so. Here is a thorough guide to assist you in getting ready for your new life in Germany:
Language
Even though many people in Germany speak English, it’s a good idea to learn a little before you relocate. You’ll be able to settle in and feel more at ease in your new house thanks to this. Additionally, being able to communicate in the language will be helpful whether going shopping, getting directions, or interacting with your neighbours. Germany is also known for it’s heavy bureaucracy and if you don’t speak German yet, it can eventually get to you. You can book a German-speaking helper here to do the translation tasks for you!
Germany is regarded as an expensive place to live, particularly in urban areas like Berlin, Munich, and Frankfurt. It’s critical to budget appropriately because things like rent, food, and transportation may be pricey. In Germany, incomes are also generally high, so if you budget your money wisely, you should be able to live comfortably.
Healthcare
One of the best public healthcare systems in the world is found in Germany. Health insurance, which may be bought from a public or private source, is required for all inhabitants. Your income and other criteria will affect the insurance’s price, although it is typically reasonable.
Culture
Germany is a nation with a lengthy history and vibrant culture. It is recognized for its renowned cuisine and celebrated festivals like Oktoberfest. But German culture can also be rather formal, so it’s crucial to observe social conventions and manners. For instance, it’s considered impolite to appear late for appointments and meetings, so plan accordingly.
Credits: 9GAG
Transportation
With frequent and effective service, Germany’s transportation system includes trains, buses, and trams. Additionally very priced, public transportation makes it simple to move around without a car. If you want to drive in Germany, be aware that there are strict traffic restrictions and hefty fines for infractions.
Work ethics
Germany is renowned for having a strict work ethic and being on time. Being professional and concentrated at work is vital because employers reward productivity and efficiency. Many businesses also provide significant benefits and a favorable work-life balance, allowing you to enjoy your free time as well.
In summary, relocating to Germany can be a wonderful opportunity, but it’s critical to be ready for the difficulties and contrasts that come with doing so. You’ll be well on your way to a seamless transfer and enjoying your life in Germany if you are aware of the social customs, language, cost of living, healthcare system, transportation system, and workplace culture.
Moving to a new house can be stressful and difficult, particularly when doing so within Germany. Germany is a large, diverse country with several cities, towns, and regions. To ensure a seamless and stress-free shift, it is crucial to select the correct moving company.
In Germany, there are many different kinds of moving services available. A full-service moving company, which can handle everything from packing and loading to transporting and unloading, is one of the most popular solutions. These businesses frequently use qualified packers and movers, and they can offer a variety of extra services including storage and insurance.
Credits: Zip Moving and Storage
A self-service moving company, which offers a rental truck or van for you to pack and carry your possessions yourself, is another choice for relocating in Germany. Although this choice usually costs less, it does take more time and work on your side. Bike movers and automobile movers are excellent choices for anyone moving inside a city or a local region. They are a less expensive alternative to a full-service moving company and can assist you in relocating less stuff.
If you are moving to a new place in Berlin, you might already be stressed about finding an Anmeldung appointment at the Bürgeramt. We can help you with that:
It’s crucial to take your budget into account when picking a moving service, as well as the size and complexity of your relocation. A full-service moving company might be your best option if you have a lot of possessions; however, if you only need to move a few things, a self-service alternative, bike movers, or vehicle movers might be a better option.
To make sure you are getting the best pricing and service, it is also crucial to study and compare several moving services. You can learn about a company’s reputation and the caliber of its service by asking friends and family for suggestions or by reading online reviews. Websites like Umzugspreisvergleich.de can help with comparing different services and prices.
In conclusion, moving to a new house in Germany can be a complicated and difficult process, but it can also be a smooth and stress-free move with the help of the proper moving agency. There are several options available to meet your needs and budget, including self-service moving options, full-service moving firms, and bike or auto movers. You can be sure that you choose the best moving service for your relocation by doing some research and comparing several moving services.
The German passport, which grants its bearers a considerable lot of freedom and mobility, is regarded as one of the strongest in the world. The German passport is now tied with those of Denmark, Finland, Italy, and Luxembourg for fourth place in the world in terms of travel freedom, according to the Henley Passport Index.
Germany’s membership in the European Union is one of the key factors contributing to the strength of the German passport. German nationals have the freedom to live, work, and travel anywhere in the EU, which consists of 27 other nations. This implies that holders of German passports can visit and reside visa-free in nations like France, Spain, and Italy.
Credits: 9GAG
German passport holders enjoy visa-free travel to more than 180 nations globally in addition to freedom of movement within the EU. Popular vacation spots including Canada, Japan, Australia, and New Zealand are included in this. As a result, German nationals do not need a visa or a visa upon arrival to enter a large number of countries.
German nationals also have access to a variety of other advantages, including the freedom to study and work abroad as well as the opportunity to get the same healthcare and social security benefits as locals when traveling or relocating there.
The holders also benefit from a high degree of political stability and security, which attracts a lot of expats and tourists. Expats living in Germany for a certain amount of time may also be able to get the German passport without giving up their own if the new law is passed.
In conclusion, the German passport is regarded as one of the strongest in the world and grants its bearers a great degree of freedom and mobility in addition to numerous other advantages. The German passport is a useful asset for anybody looking to travel or relocate abroad, providing visa-free entry to more than 180 countries as well as the freedom to live and work anywhere in the EU.
It can be rewarding and pleasant to have a friendship with your German colleagues, but it can also be difficult, particularly if you are not familiar with the local way of life. Here are some ideas about how to become friends with your German colleagues:
Be punctual
Germans value punctuality and count on their colleagues to show up for meetings and work on time. Being dependable and on schedule will help you gain the respect and trust of your coworkers.
Get to know your colleagues
You can develop connections and feel more a part of your team by making an effort to get to know your colleagues. Consider asking them about their hobbies and interests or going out to lunch or coffee with them.
Participate in team-building activities
Participating in team-building activities or social gatherings offered by numerous German businesses might help you get to know your coworkers and foster relationships. You might also think about recommending some of your own interests, like hiking or participating in a team sport.
Show interest in their culture
Germans take great pride in their culture and customs, thus expressing an interest in them can promote connections and understanding. You can think about inquiring about regional customs and traditions or going to cultural events or holidays with your coworkers. Check out our free “Ask The Locals” ebook for some tips!
Credits: Boldomatic
Be respectful and polite
It is important to treat coworkers with respect and consideration because politeness and respect are values in Germany. Be conscious of local customs and standards and refrain from saying or making inappropriate jokes.
Don’t be afraid to ask for help
Ask for assistance if necessary if you are having trouble with a task or if you have concerns about your employment. Your coworkers will probably be pleased to help you and offer advice, and this can be an excellent chance to develop trust and relationships.
Be open to trying new things
Being open to these chances can help you make friends and broaden your horizons because Germans are frequently willing to try new things and experience different cultures. You might think about suggesting activities or events that are outside your comfort zone or going on cultural outings with your employees.
Show appreciation
Germans place a high emphasis on appreciation and acknowledgment, thus expressing your gratitude for the accomplishments of your coworkers can strengthen your bonds with them. You can think about sending them a small gift or note of appreciation in appreciation for their assistance.
Be a good listener
Building trust and respect with your coworkers while actively listening to them and demonstrating an interest in what they have to say can also help you understand more about their backgrounds and experiences.
Have a sense of humor
A dry, subtle sense of humor is common among Germans, and being able to laugh and appreciate a joke can help you make friends and foster a healthy work atmosphere. However, it’s crucial to be aware of cultural variations and to refrain from cracking insensitive or offensive jokes.
In general, building friendship with your German colleagues takes time, effort, and cultural sensitivity. You can create solid, lasting relationships and enhance your experience in Germany by using these suggestions and remaining open to fresh experiences and viewpoints.
Starting a new job in Germany can be exciting and rewarding, but it can also be overwhelming and stressful, especially if you are unfamiliar with the local culture, customs and sometimes language. Here are 10 things to keep in mind when starting a new job in Germany:
Punctuality is important
Germans value punctuality and expect employees to arrive on time for work and meetings. It is a good idea to plan ahead and allow for extra time to get to work, especially if you are not familiar with the local transportation system.
Credits: 9gag
Dress appropriately
Business attire in Germany tends to be more formal than in some other countries. It is a good idea to dress conservatively and professionally, especially on your first few days on the job. Remember what they say, first impression is the last impression!
Learn about local customs and traditions
Familiarizing yourself with local customs and traditions can help you feel more comfortable and integrated in your new job. For example, you should know the protocol for greeting coworkers, such as shaking hands or kissing on the cheek. Here are few things you should know about the German working culture!
Be prepared to work hard
Germans are known for their work ethic, and it is expected that employees will work efficiently and effectively. It is a good idea to be proactive and take initiative in your new job, and to be willing to put in extra effort when necessary.
Respect hierarchy
German companies often have a hierarchical structure, and it is important to show respect to your superiors and follow the chain of command. You should also be mindful of your coworkers’ titles and use them when addressing or referring to them.
Communicate clearly and concisely
Germans value clear and concise communication, and it is important to be direct and to the point in your interactions with coworkers and superiors. Avoid using slang or colloquial language, and be sure to use proper grammar and vocabulary.
Take breaks
Germans are entitled to a minimum of 30 minutes of break time for every six hours of work, and it is common to take longer breaks for lunch or coffee. It is important to take breaks and rest, as this can help you stay energized and productive. And the break time which is compulsory everywhere is not paid. So better take it instead of working for free.
Get to know your coworkers
Building relationships with your coworkers can help you feel more connected and integrated in your new job. It is a good idea to make an effort to get to know your coworkers and to participate in team-building activities or social events.
Don’t be afraid to ask for help
If you are struggling with a task or have questions about your job, it is important to ask for help. Your coworkers and superiors will likely be happy to assist you and provide guidance.
Stay organized
Staying organized can help you stay on top of your work and avoid feeling overwhelmed. It is a good idea to create a system for keeping track of your tasks and deadlines, and to stay on top of your emails and other communication.
Overall, starting a new job in Germany can be a rewarding and enriching experience, and by keeping these tips in mind, you can set yourself up for success and feel more confident and comfortable in your new role.
If you’re a new international employee in Germany and do not speak German yet, you can book a local to assist you with language-support tasks like in-person appointments, phone calls and paperwork.
You’ve probably heard about the SCHUFA while browsing for apartments in Germany. It has a huge impact on our daily life, German, and expat alike. Learn more about what is it, why it is needed and how to get it in this blog post!
What is SCHUFA?
SCHUFA stands for Schutzgemeinschaft für allgemeine Kreditsicherung, in other words, the German credit score. It shows your creditworthiness, which is calculated from your past financial behavior. A company called Schufa Holding AG collects information from various sources, including bank accounts, debit cards, mobile phones, and others, and creates reports about your financial reliability.
When you register your apartment, open a savings account, get internet access for your flat, or get a mobile telephone contract, you automatically begin your SCHUFA records. Each provider asks SCHUFA for permission before accepting you as a new client and thus leaves a record.
Your credit score doesn’t depend on your employment situation or income; rather, it depends solely on whether you pay your debts on time.
How to get a paid SCHUFA report (BonitätsAuskunft)?
The paid SCHUFA report is called “BonitätsAuskunft”.
Note that most landlords require a recent SCHUFA report. It would be best if you buy one when you first begin searching for an apartment. You can easily get a Bonitas Auskunft by ordering it online here! To buy the paid version of the SCHUFA report, click “Jetzt bestellen.” It costs €29.95. You should receive your BonitätsAuskunft in a few days by post.
How to get the SCHUFA for free?
You can get it free once per year. However, the free version is for your own record only as it contains your personal data. For official use, the paid SCHUFA record must be used. You place an online request for the free report and it will be delivered to you by post. Remember that it may take up to four months before the document arrives.
Here’s how you get your free Schufa: Click here, and you’ll be taken to a page where there are two columns; one column is for free, and it’s labeled “Datenkopie”. Click on “Jetzt bestellen” and you’ll get taken to a page where you need to enter some details.
What is a good SCHUFA score?
A very high SCHUFA is at least 97%, and a good one has a minimum of 95%
You begin with a baseline score of 100% when you first get started.
What determines your credit score?
It is determined by whether you’ve paid all your bills on time and in full. Your previous U.S. (or Canadian) scores don’t affect your German SCHUFA, and you cannot use your American scores to apply for loans. With Germany, you get the benefit of having most, if not all of your bills paid automatically every month by bank transfer, so you don’t need to worry about forgetting to pay them. You should avoid opening too many bank accounts and too many credit cards at once, and switching banks too frequently.
You shouldn’t make frequent uses of your overdraft. Sometimes you may need to overdraw your account. To stay financially sound, it’s best not make it a regular habit.
Unless you opt for an account without the Schufa minimum requirements, banks usually check your credit rating before approving you for an account. When applying for a loan, your bank also checks your credit worthiness, and your SCHUFA to find out how much interest you might be charged for that loan. Higher risks for the banks mean higher interest rates.
When applying for a new phone or internet plan, or renting a place to live, you need to be aware that they may check when you applied. These companies will be capable of checking your SCHUFA and determining whether you have any unpaid debt, and if you can trust them as a customer or tenant.
Having problems in communicating with your landlord because of language barriers? We can help with that. Simple book a helper here to do the talkings for you!
Living abroad in Germany, you must have had the need to send money to your home country or receive money from there. International money transfers here can sometimes be a little bit tricky if you don’t gather information about them beforehand. These are some information that you will need to know when considering international money transfers:
Top international money transfer services
These companies are the top money transfer services in Germany and they all offer competitive rates for online money transfers.
How to transfer money to or from Germany?
Online transfers are increasingly becoming the most popular way to send money overseas. Online money transfers are fast, low-cost, safe and easy, helping you avoid the sometimes excessive fees you might be charged by traditional banks. Here’s how the process of sending money online works:
Create an account
Once you’ve decided which online transfer service you’d like to use, you need to register for an account on their website, providing some basic personal information. Depending on which service you’ve chosen, you may have to verify your identity before using it.
Select an amount and delivery option
After that, you need to provide some details about the transaction that you want to make. For example, the amount of money to be transferred, the currency conversion and how fast do you want the transfer to be completed.
Enter recipient’s details
You’ll need to add additional details about your recipient such as their name and banking information.
Pay
After you’ve completed all the required information, pay the money to the company that handles transfers. This can be done with a credit or debit card or regular bank transfers.
As soon as the transfer services receive the money from you, they’ll begin the transfer process. It may take a few days. Once the transfer is completed, you will get an email notification.
How long can the transfer take?
Depending on which international transfer service you use, the time it takes to transfer funds internationally varies. Usually, bank to bank transfers take 1-2 business days, but it can be longer if you’re transferring outside the EU. So make sure you plan accordingly depending on the urgency of the transfer.
Cost of international money transfers
The total costs will be in terms of these:
The transfer fee charged by the transfer service
The amount of money being transferred
The speed of the transfer
The currencies and exchange rate
When choosing a service, be sure to look at the total cost, which includes all of these. Some services may seem cheap, but often this means their exchange rate is high and so you end up having to pay more. Therefore, it is always better to compare exchange rates of the different transfer services before opting for one.
How to save money with international money transfers?
There are several other ways to save money if you want to transfer money to or from Germany, including the following:
Transfer large amounts
Sending a large amount at one time usually ends up costing less than sending small amounts several times.
Unless urgent, don’t pay for speed
If you don’t need your money to be sent immediately, you can save money if you choose a longer period of time for your transfer.
Beware minimum transfer amounts
Not all transfer services allow the transfer of small amounts. Some might have a minimum transfer amount. So make sure you have the right information before making a decision.
Consider transfer options
Some companies allow you to send your money at a later period with a particular exchange rate. You can set up your transfers so that they only happen when the best exchange rate is reached.
International transfers for businesses
If you have your own business, you may need to transfer money to or from Germany. You could use a specialist foreign exchange provider instead of your business bank account to make payments abroad as they might have better deals for businesses.
Other ways for international money transfers
Apart from the online options, you can send money through bank transfers and cash remittance services.
Germany has always been known for its high standard of living. The country offers a wide range of services and benefits to its residents. If you want to stay and work in Germany as an expatriate, you may need to obtain a residence permit.
What is a residence permit?
A residence permit is a document issued by the German government to foreign nationals who wish to reside in Germany permanently. There are two types of residence permits: a short term permit (for stays of less than three months) and a long term permit (for stays longer than three months). Depending on your nationality and the reason for moving to Germany, the type of permit you apply to may vary.
EU and EEA citizens
Citizens of European Union (EU) and European Economic Area (EEA) countries have open access to Germany’s labour market. People from these countries can live and work in Germany freely without a visa. However, if you stay in Germany for longer than three months, you must register at your local citizens’ office (Bürgermeisteramt).
Swiss Citizens
If you’re from Switzerland, you also have freedom of movement in the EU, but if your main purpose is to live and work in another country, you’ll need to apply for a specific declaratory residence permit at your local Foreigners’ Office (Ausländerbehörde).
Non-EU / EEA citizens
Citizens from outside the European Union and the European Economic Area (EU/EEA) may need to apply for an EU residence permit, which highly depending on the duration and the purpose of stay.
Short stays (business and leisure)
If you stay in Germany for less than 90 days, you don’t need the permit. However, for certain nationalities, you might need a Schengen visa instead.
Short stays (for employment purpose)
The duration of stay is not the only factor that determines if you need a residence permit or not. If you want to work in Germany, even if your stay there is less than 90 days, first you must apply for a German visa and then convert it to a residence permit.
Longer stays (over 90 days)
If you plan to stay in Germany for longer than 90 days, you’ll need to apply for a residency permit. Residents of Israel, Canada, Australia, the Republic of Korea, Japan and the United States of America may enter Germany without a Visa and then apply for a residency permit from within Germany.
Citizens of other countries must apply for a national visa at the German embassy or consulate in their country of residence before they travel to Germany. After arriving in Germany, you can change it into a residence permit from the Foreigners’ Offices.
If you won’t have a source of income in Germany, you’ll also need to open a blocked bank account, either before applying for a visa or before submitting your permit application. It is to ensure that you have a fixed deployable financial resource for every month.
A temporary residence permit is the main type of permit issued to foreigners living in Germany. It is generally valid up to one year and can usually last longer if your circumstances don’t change.
It is linked to your purpose for visiting the country and the information you provided when applying for your visa.
After living in Germany for a certain period of time, all expatriates who possess a residence permit are eligible to apply for a permanent residency permit. This is usually five year, but can be less for high-skilled workers or graduates from German universities.
If you want to live in Germany permanently, then the settlement permit is a good option. You no longer have to line up at Ausländerbehörde to extend your visa or to put up with toxic work environment for the sake of your work visa.
German residence permit application procedure
The application procedure for obtaining the permit can be overwhelming, especially if you don’t know what to expect. Before you can apply for a residency permit, there are several steps you need to take, including registering your address and obtaining health insurance. Learn more about the application procedures here!
Is it common to have one’s German residence permit application rejected?
If your application is refused, you will be sent a letter outlining the reasons why. The most common reason why an application is rejected is failing to provide the required supporting documents. The letter explains the next steps to take and includes any relevant information, such as how to lodge an appeal.
Why do I need to renew my German residence permit? And how?
A temporary residence permit in Germany usually lasts for one year. If you’re a foreigner, don’t expect to be notified by the immigration office if your residence permit expires. You should therefore make sure that you renew your permit well in advance.
Extending your temporary residence permit in Germany is largely a formality as long as your personal circumstances are the same as when you originally applied. If your employment, marital or financial status changes significantly you should contact your local foreigners’ office to check how this impacts your residency status.
It is essential to renew your permit long before its expiry date to avoid an illegal stay which may mean you are banned from entering Germany in the future. The cost of renewing the permit is usually 50-80 euros, depending on location and the complexity of your case.
If you do not speak German yet and you need someone to accompany you to the foreign office to your residence permit extension, you can book a helper here!
Subletting is legal in Germany, but there are some restrictions. You should know about these before actually going for the sublet contract. You can learn more about the rules for subletting in Germany here! Upon having the green light for subletting your apartment, you will need a sublet contract. Discover more about sublet contracts in Germany in this blog post!
A written contract is normally not required for an apartment sublet in Germany. However, it is a good idea to have everything written down in paper to avoid any misunderstandings in the future.
Sublet contract draft
Most sublet contracts in Germany contain the same basic information. Make sure your contract clearly states the following details:
The names of the main tenant and its subtenant
The exact address of the apartment (street name, number, building, etc.)
Start and end dates of the sublet
The rent to be paid and any extra costs (such as for internet, water, electricity)
How to pay for them (e.g. directly into a bank account or via a money transfer).
Which rooms can be used
How many keys were given
How much deposit was paid
What condition the rented flat is in
House rules regarding things like smoking and pets
Signatures of both parties
You can download a free subletting contract template here!
Cancelling a sublet contract
The German rental law states that the subtenant must give a notice period of atleast three months to the main tenant if they wish to move out before the end of the previously agreed date and it must be done before the third day of a particular month.
On the other hand, if the main tenant wishes to cancel the contract, they can only do so by giving the subtenant a minimum notice period of six months unless they have a good reason to end the contract earlier (for example, if the subtenant did not pay the rent or is not abiding to the rules of the contract).
Liability
After the sublet, the main tenant is still the only one who has the main contract with the landlord. Therefore, the main tenant is fully liable towards the landlord for the whole rented apartment or room in case of a breach of contract or damages to the property. Any damage by the main tenant or the subtenant will lead to the main tenant being responsible for them. The main tenant is also required to cover the subtenant’s share of the rent if they refuse to pay.
Anmeldung
Remember, even if you are a subtenant of an apartment, you still have to register your address at the registration office. By not doing so, you may have to pay fines, which you obviously do not want to!
Are you new in Germany and you have lots of questions concerning Anmeldung in Germany? Check out our YouTube video to get your questions answered!
Germany is the land of bureaucracy! So, if you are an international and are having troubles with your landlord regarding some misunderstandings due to language barriers, do not worry, it is not your fault! Booka Local can help you deal with such issues by acting as a bridge between your landlord and you. Simply book a helper here with minutes!
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