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我经营企业 - 德国理财网

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企业2

作为自雇型德国公司法人,您需要购买私人医疗保险(private Krankenversicherung),如果您已经拿到长期居留或德国国籍,点击这里可以了解更多的信息并且进行比较。如果您刚到德国还没有拿到长居的话,就需要找有这方面经验的保险顾问进行咨询。 德国Care Concept公司还专门为来自中国的公司法人提供了保费每月仅为79欧元的医疗保险,点击这里获取详细信息。如果您需要投保,请联系我们,我们可以帮助您免费填写申请表格。请注意这款保险最长只可以保5年,针对这一点在延签的时候个别德国城市的外国人管理局有可能会质疑。德国私立医疗保险
作为自雇型的德国企业法人虽然没有缴纳法定的养老保险的义务,但是证明在德国有养老保障是拿德国长居的必要条件,因此您需要做相关准备。德国私人养老保险品种众多,如果您需要针对这方面获取更多信息,请联系我们
如果您公司还雇佣了其他的员工,则可以考虑为员工提供企业职工养老保险(Betriebliche Altersvorsorge),一方面为企业节省社保费用,另一方面让自己的员工也能在享受国家的税收优惠和节省社保费用的基础上为自己办理额外的养老保险,了解更多信息请联系我们

您一旦在德国定居下来,下一步必然是在德国置业安家。如何在德国选择高档的地段购买升值空间大的房产是一门非常高深的学问,最好委托专业的置业公司或顾问帮助您甄选。目前德国市场上的贷款利率创历史新低,如果能够成功贷款买房,确实是一项稳赚不赔的理财手段。如果您已拿到德国长居,可以自己咨询德国的银行或贷款中介,如果您还持法人签或者蓝卡,并且在申请贷款的过程中受挫的话,还是可以联系专业的贷款中介再做尝试。

在德国经营企业会经常遇到法律纠纷,因此可以考虑购买法律险,点击这里免费比较不同公司的报价。是如果您在德国经营工厂或者仓库,可以考虑购买企业财产险(Geschäftsinhaltversicherung),企业楼房险(gewerbliche Gebäudeversicherung),预防因各种自然灾害和人为原因造成的财产损失。企业有自己的运输车辆的需要购买企业车辆险(Geschäfts-KFZ-Versicherung),运输险(Transportversicherung),专营电子机械设备的企业需要购买电子设备险(Eletronikversicherung)和机械设备险(Maschinenversicherung),有工程安装项目的企业需要购买工程险(Bauleistungsversicherung)和安装险(Montageversicherung),经营能源设备的企业需要购买再生能源的覆盖险(Spezialdeckung erneuerbarer Energien)。如果您经营的项目有可能因为自己的疏忽或错误给他人造成巨大的经济损失的话,需要购买商业责任险(Gewerbehaftpflichtversicherung),工业责任险(industrielle Haftpflichtversicherung)。如果您经营餐饮行业,为了防止各种原因造成的餐馆停业,可以购买停业险(Betriebsschließungsversicherung für Gastromie oder Lebensmittelbranche)。


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