{"id":33,"date":"2023-07-09T23:06:42","date_gmt":"2023-07-09T21:06:42","guid":{"rendered":"https:\/\/sprijin.binational-leipzig.de\/?page_id=33"},"modified":"2025-11-22T13:14:33","modified_gmt":"2025-11-22T12:14:33","slug":"geld-und-finanzen","status":"publish","type":"page","link":"https:\/\/info-to-go.binational-leipzig.de\/hr\/start\/wirtschaft\/geld-und-finanzen\/","title":{"rendered":"Novac i financije"},"content":{"rendered":"<div class=\"wp-block-esab-accordion accordion-756f9975\" data-mode=\"global\"><div class=\"esab__container\">\n<div class=\"wp-block-esab-accordion-child\"><div class=\"esab__head\" role=\"button\" aria-expanded=\"false\"><div class=\"esab__heading_txt\"><p class=\"esab__heading_tag\">Kako mogu otvoriti bankovni ra\u010dun?\u00a0<\/p><\/div><div class=\"esab__icon\"><div class=\"esab__collapse\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m3.5 20.5c-4.7-4.7-4.7-12.3 0-17 4.7-4.7 12.3-4.7 17 0 4.6 4.7 4.6 12.3 0 17-4.7 4.6-12.3 4.6-17 0zm0.9-0.9c4.2 4.2 11 4.2 15.2 0 4.2-4.2 4.2-11 0-15.2-4.2-4.3-11-4.3-15.2 0-4.3 4.2-4.3 11 0 15.2z\"><\/path><path d=\"m11.4 15.9v-3.3h-3.3c-0.3 0-0.6-0.3-0.6-0.6 0-0.4 0.3-0.6 0.6-0.6h3.3v-3.3c0-0.3 0.3-0.6 0.6-0.6 0.3 0 0.6 0.3 0.6 0.6v3.3h3.3c0.3 0 0.6 0.2 0.6 0.6q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2h-3.3v3.3q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2c-0.4 0-0.6-0.3-0.6-0.6z\"><\/path><\/svg> <\/div><div class=\"esab__expand\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m12 24c-6.6 0-12-5.4-12-12 0-6.6 5.4-12 12-12 6.6 0 12 5.4 12 12 0 6.6-5.4 12-12 12zm10.6-12c0-5.9-4.7-10.6-10.6-10.6-5.9 0-10.6 4.7-10.6 10.6 0 5.9 4.7 10.6 10.6 10.6 5.9 0 10.6-4.7 10.6-10.6z\"><\/path><path d=\"m5.6 11.3h12.8v1.4h-12.8z\"><\/path><\/svg> <\/div><\/div><\/div><div class=\"esab__body\">\n<p>Svatko u Njema\u010dkoj s osobnom iskaznicom i adresom mo\u017ee otvoriti bankovni ra\u010dun. <\/p>\n\n\n\n<p>Mora\u0161 <strong>ne <\/strong>imaju stan ili potvrdu o registraciji\/registraciji.<br>Man muss imaju samo jedan ID i jednu adresu.<br>Adresa prijatelja ili savjetovali\u0161ta je tako\u0111er u redu.<br>Ponekad banka ka\u017ee da se to ne mo\u017ee u\u010diniti bez registracije.<br>Mo\u017eete re\u0107i banci <a href=\"https:\/\/www.bafin.de\/DE\/Verbraucher\/Bank\/Produkte\/Basiskonto\/basiskonto_artikel.html\" target=\"_blank\" rel=\"noopener\">ovaj <\/a>Pru\u017ea informacije. Obja\u0161njava \u0161to vam je potrebno za otvaranje bankovnog ra\u010duna.<\/p>\n\n\n\n<p>Ako ne mo\u017eete osobno posjetiti banku, mo\u017eete podnijeti pisani zahtjev za otvaranje ra\u010duna.<br>S ovim <a href=\"https:\/\/www.bafin.de\/SharedDocs\/Downloads\/DE\/Formular\/dl_fo_basiskonto_antrag_abschluss.pdf?__blob=publicationFile&amp;v=3\" target=\"_blank\" rel=\"noopener\">Oblik <\/a>u\u010dini to.<br>Ako banka i dalje odbija otvoriti ra\u010dun, mo\u017eete se obratiti tijelu &#039;BaFin&#039; (Saveznom tijelu za financijski nadzor).<br>BaFin osigurava da sve banke u Njema\u010dkoj ispravno posluju.<br><a href=\"https:\/\/web.basp.bafin.de\/lip\/form\/display.do?%24context=32BE57B25CB25A31FC9B\" target=\"_blank\" rel=\"noopener\">Ovdje <\/a>Mo\u017eete kontaktirati BaFin.&nbsp;<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-esab-accordion-child\"><div class=\"esab__head\" role=\"button\" aria-expanded=\"false\"><div class=\"esab__heading_txt\"><p class=\"esab__heading_tag\">U kojoj banci trebam otvoriti ra\u010dun?<\/p><\/div><div class=\"esab__icon\"><div class=\"esab__collapse\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m3.5 20.5c-4.7-4.7-4.7-12.3 0-17 4.7-4.7 12.3-4.7 17 0 4.6 4.7 4.6 12.3 0 17-4.7 4.6-12.3 4.6-17 0zm0.9-0.9c4.2 4.2 11 4.2 15.2 0 4.2-4.2 4.2-11 0-15.2-4.2-4.3-11-4.3-15.2 0-4.3 4.2-4.3 11 0 15.2z\"><\/path><path d=\"m11.4 15.9v-3.3h-3.3c-0.3 0-0.6-0.3-0.6-0.6 0-0.4 0.3-0.6 0.6-0.6h3.3v-3.3c0-0.3 0.3-0.6 0.6-0.6 0.3 0 0.6 0.3 0.6 0.6v3.3h3.3c0.3 0 0.6 0.2 0.6 0.6q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2h-3.3v3.3q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2c-0.4 0-0.6-0.3-0.6-0.6z\"><\/path><\/svg> <\/div><div class=\"esab__expand\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m12 24c-6.6 0-12-5.4-12-12 0-6.6 5.4-12 12-12 6.6 0 12 5.4 12 12 0 6.6-5.4 12-12 12zm10.6-12c0-5.9-4.7-10.6-10.6-10.6-5.9 0-10.6 4.7-10.6 10.6 0 5.9 4.7 10.6 10.6 10.6 5.9 0 10.6-4.7 10.6-10.6z\"><\/path><path d=\"m5.6 11.3h12.8v1.4h-12.8z\"><\/path><\/svg> <\/div><\/div><\/div><div class=\"esab__body\">\n<p>U Njema\u010dkoj postoji mnogo razli\u010ditih banaka.<br>Neki imaju poslovnice gdje mo\u017eete oti\u0107i.<br>Neki su dostupni samo online.<br>Mora\u0161 vidjeti koja ti banka najbolje odgovara.<br>Postoje redovne naknade za bankovni ra\u010dun.<br><a href=\"https:\/\/www.verbraucherzentrale.de\/wissen\/geld-versicherungen\/sparen-und-anlegen\/bankgebuehren-nicht-alle-gebuehren-beim-girokonto-sind-zulaessig-5185\" target=\"_blank\" rel=\"noopener\">Ovdje <\/a>mo\u017eete vidjeti koje su naknade dopu\u0161tene, a koje nisu.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Ako imate bankovni ra\u010dun, redovito primate bankovni izvod.<br>Ve\u0107inom dobivate bankovni izvod za jedan mjesec.<br>Bankovni izvod sadr\u017ei sve podatke o primljenom i oduzetom novcu.<br>Na primjer: kada novac dolazi s posla ili kada se plati stanarina.<br>Vrlo je va\u017eno sa\u010duvati ovaj bankovni izvod.<br>Vrlo \u010desto morate dokazati da ste platili ne\u0161to odre\u0111eno ili koliko ste novca zaradili.<br>Ako izgubite bankovni izvod, banka vam mo\u017ee dati kopiju.<br>Man muss ali za to pla\u0107aju relativno veliku svotu novca. Na primjer, 5 eura za svaki bankovni izvod.<br>Lak\u0161e je ako koristite online bankarstvo.<br>Tada uvijek imate svoje bankovne izvode sigurno u svom online po\u0161tanskom sandu\u010di\u0107u i vi\u0161e ne morate ni\u0161ta pla\u0107ati za njih.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Ako pla\u0107ate ne\u0161to putem bankovnog ra\u010duna, mo\u017eete platiti bankovnim prijenosom ili izravnim tere\u0107enjem.<br>Transfer: \u0160aljete novac sa svog ra\u010duna na drugi ra\u010dun. Na primjer, novac za najamninu va\u0161em stanodavcu.<br>Izravno tere\u0107enje: Tvrtka automatski uzima novac s va\u0161eg ra\u010duna svaki mjesec. Na primjer, novac za struju u va\u0161em stanu uzima se izravno od dobavlja\u010da elektri\u010dne energije.<br>Prilikom transfera novca mo\u017eete navesti &#039;svrhu&#039;.<br>Namjeravana svrha je razlog za\u0161to prenosite novac.<br>Na primjer, &#039;Najamnina kolovoz 2024.&#039;.<br>Neki ljudi tako\u0111er koriste kreditne kartice za pla\u0107anje stvari.&nbsp;<br>Me\u0111utim, kreditne kartice mogu imati mnogo naknada i visoke kamatne stope.<br>Na kraju \u0107ete platiti puno vi\u0161e nego s va\u0161im uobi\u010dajenim bankovnim ra\u010dunom.&nbsp;<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-esab-accordion-child\"><div class=\"esab__head\" role=\"button\" aria-expanded=\"false\"><div class=\"esab__heading_txt\"><p class=\"esab__heading_tag\">Trebam li potpisati ugovor za mobitel ili internet?\u00a0<\/p><\/div><div class=\"esab__icon\"><div class=\"esab__collapse\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m3.5 20.5c-4.7-4.7-4.7-12.3 0-17 4.7-4.7 12.3-4.7 17 0 4.6 4.7 4.6 12.3 0 17-4.7 4.6-12.3 4.6-17 0zm0.9-0.9c4.2 4.2 11 4.2 15.2 0 4.2-4.2 4.2-11 0-15.2-4.2-4.3-11-4.3-15.2 0-4.3 4.2-4.3 11 0 15.2z\"><\/path><path d=\"m11.4 15.9v-3.3h-3.3c-0.3 0-0.6-0.3-0.6-0.6 0-0.4 0.3-0.6 0.6-0.6h3.3v-3.3c0-0.3 0.3-0.6 0.6-0.6 0.3 0 0.6 0.3 0.6 0.6v3.3h3.3c0.3 0 0.6 0.2 0.6 0.6q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2h-3.3v3.3q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2c-0.4 0-0.6-0.3-0.6-0.6z\"><\/path><\/svg> <\/div><div class=\"esab__expand\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m12 24c-6.6 0-12-5.4-12-12 0-6.6 5.4-12 12-12 6.6 0 12 5.4 12 12 0 6.6-5.4 12-12 12zm10.6-12c0-5.9-4.7-10.6-10.6-10.6-5.9 0-10.6 4.7-10.6 10.6 0 5.9 4.7 10.6 10.6 10.6 5.9 0 10.6-4.7 10.6-10.6z\"><\/path><path d=\"m5.6 11.3h12.8v1.4h-12.8z\"><\/path><\/svg> <\/div><\/div><\/div><div class=\"esab__body\">\n<p>Trebam li potpisati ugovor za mobitel ili internet?<br>Ne morate nu\u017eno potpisati ugovor za mobitel.<br>Postoje i prepaid SIM kartice.&nbsp;<br>Nakon toga uvijek mo\u017eete napuniti telefon.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Mo\u017eete sklapati ugovore s raznim tvrtkama u Njema\u010dkoj.<br>Na primjer, za mobilne telefone, internet, struju, osiguranje.<br>Uvijek biste trebali dobro razmisliti koje ugovore sklapate.<\/p>\n\n\n\n<p>Iznad svega:&nbsp;&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Koliko dugo traje ugovor?&nbsp;&nbsp;<\/li>\n\n\n\n<li>Koliko moram pla\u0107ati svaki mjesec?&nbsp;<\/li>\n\n\n\n<li>Kada i kako mogu raskinuti ugovor?&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Vrlo \u010desto ljudi brzo sklapaju ugovor. U po\u010detku mo\u017ee biti vrlo jeftino. Ali nakon nekog vremena postaje skuplje.<br>Mo\u017eete posjetiti web-stranice poput \u201e<a href=\"https:\/\/www.check24.de\/\" target=\"_blank\" rel=\"noopener\">PROVJERI24<\/a>&quot;za usporedbu ponuda.&quot;&nbsp;<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-esab-accordion-child\"><div class=\"esab__head\" role=\"button\" aria-expanded=\"false\"><div class=\"esab__heading_txt\"><p class=\"esab__heading_tag\">Moram li platiti naknadu za emitiranje?\u00a0<\/p><\/div><div class=\"esab__icon\"><div class=\"esab__collapse\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m3.5 20.5c-4.7-4.7-4.7-12.3 0-17 4.7-4.7 12.3-4.7 17 0 4.6 4.7 4.6 12.3 0 17-4.7 4.6-12.3 4.6-17 0zm0.9-0.9c4.2 4.2 11 4.2 15.2 0 4.2-4.2 4.2-11 0-15.2-4.2-4.3-11-4.3-15.2 0-4.3 4.2-4.3 11 0 15.2z\"><\/path><path d=\"m11.4 15.9v-3.3h-3.3c-0.3 0-0.6-0.3-0.6-0.6 0-0.4 0.3-0.6 0.6-0.6h3.3v-3.3c0-0.3 0.3-0.6 0.6-0.6 0.3 0 0.6 0.3 0.6 0.6v3.3h3.3c0.3 0 0.6 0.2 0.6 0.6q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2h-3.3v3.3q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2c-0.4 0-0.6-0.3-0.6-0.6z\"><\/path><\/svg> <\/div><div class=\"esab__expand\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m12 24c-6.6 0-12-5.4-12-12 0-6.6 5.4-12 12-12 6.6 0 12 5.4 12 12 0 6.6-5.4 12-12 12zm10.6-12c0-5.9-4.7-10.6-10.6-10.6-5.9 0-10.6 4.7-10.6 10.6 0 5.9 4.7 10.6 10.6 10.6 5.9 0 10.6-4.7 10.6-10.6z\"><\/path><path d=\"m5.6 11.3h12.8v1.4h-12.8z\"><\/path><\/svg> <\/div><\/div><\/div><div class=\"esab__body\">\n<p>U Njema\u010dkoj postoji naknada za emitiranje televizijskog i radijskog programa.<br>Novac se koristi za financiranje televizijskih postaja ARD, ZDF i Deutschlandradio.<br>Oni su javni emiteri i proizvode informacije i programe za cijelo stanovni\u0161tvo.<br>Ako imate dovoljno novca, morate platiti doprinos.<br>\u010cak i ako ne gledate njema\u010dku televiziju ili ne slu\u0161ate njema\u010dki radio, morate platiti.<br>Me\u0111utim, ako zara\u0111ujete malo i primate gra\u0111anski dodatak, ne morate pla\u0107ati.<br>Zahtjev za oslobo\u0111enje od naknade za emitiranje podnosite Slu\u017ebi za doprinose <a href=\"https:\/\/www.rundfunkbeitrag.de\/buergerinnen_und_buerger\/formulare\/befreiung_oder_ermaessigung_beantragen\/index_ger.html\" target=\"_blank\" rel=\"noopener\">ovdje<\/a>. Ovaj video obja\u0161njava kako ispuniti obrazac:<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Kako mogu biti oslobo\u0111en\/a pla\u0107anja naknade za online emitiranje?\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/Qf8Jw2Rmz9o?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p><\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-esab-accordion-child\"><div class=\"esab__head\" role=\"button\" aria-expanded=\"false\"><div class=\"esab__heading_txt\"><p class=\"esab__heading_tag\">Gdje mogu provjeriti stvari poput bankovnih naknada i ugovora?\u00a0<\/p><\/div><div class=\"esab__icon\"><div class=\"esab__collapse\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m3.5 20.5c-4.7-4.7-4.7-12.3 0-17 4.7-4.7 12.3-4.7 17 0 4.6 4.7 4.6 12.3 0 17-4.7 4.6-12.3 4.6-17 0zm0.9-0.9c4.2 4.2 11 4.2 15.2 0 4.2-4.2 4.2-11 0-15.2-4.2-4.3-11-4.3-15.2 0-4.3 4.2-4.3 11 0 15.2z\"><\/path><path d=\"m11.4 15.9v-3.3h-3.3c-0.3 0-0.6-0.3-0.6-0.6 0-0.4 0.3-0.6 0.6-0.6h3.3v-3.3c0-0.3 0.3-0.6 0.6-0.6 0.3 0 0.6 0.3 0.6 0.6v3.3h3.3c0.3 0 0.6 0.2 0.6 0.6q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2h-3.3v3.3q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2c-0.4 0-0.6-0.3-0.6-0.6z\"><\/path><\/svg> <\/div><div class=\"esab__expand\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m12 24c-6.6 0-12-5.4-12-12 0-6.6 5.4-12 12-12 6.6 0 12 5.4 12 12 0 6.6-5.4 12-12 12zm10.6-12c0-5.9-4.7-10.6-10.6-10.6-5.9 0-10.6 4.7-10.6 10.6 0 5.9 4.7 10.6 10.6 10.6 5.9 0 10.6-4.7 10.6-10.6z\"><\/path><path d=\"m5.6 11.3h12.8v1.4h-12.8z\"><\/path><\/svg> <\/div><\/div><\/div><div class=\"esab__body\">\n<p>Ako ne razumijete odre\u0111ene naknade ili niste zadovoljni ugovorom, mo\u017eete se obratiti centru za savjetovanje potro\u0161a\u010da.<br>Centar za savjetovanje potro\u0161a\u010da postoji kako bi informirao ljude i za\u0161titio ih od upitnih ugovora. Tamo morate platiti za neke konzultacije.<br><a href=\"https:\/\/www.verbraucherzentrale-sachsen.de\/beratungsstellen\/leipzig\/beratungsangebote\/1949\" target=\"_blank\" rel=\"noopener\">Ovdje <\/a>su kontaktni podaci Centra za savjetovanje potro\u0161a\u010da u Leipzigu.&nbsp;<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<p><\/p>\n<div class=\"gsp_post_data\" \r\n\t            data-post_type=\"page\" \r\n\t            data-cat=\"wirtschaft\" \r\n\t            data-modified=\"120\"\r\n\t            data-created=\"1688944002\"\r\n\t            data-title=\"Geld und Finanzen\" \r\n\t            data-home=\"https:\/\/info-to-go.binational-leipzig.de\/hr\"><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":8,"menu_order":2,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-33","page","type-page","status-publish","hentry","category-wirtschaft"],"_links":{"self":[{"href":"https:\/\/info-to-go.binational-leipzig.de\/hr\/wp-json\/wp\/v2\/pages\/33","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/info-to-go.binational-leipzig.de\/hr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/info-to-go.binational-leipzig.de\/hr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/info-to-go.binational-leipzig.de\/hr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/info-to-go.binational-leipzig.de\/hr\/wp-json\/wp\/v2\/comments?post=33"}],"version-history":[{"count":11,"href":"https:\/\/info-to-go.binational-leipzig.de\/hr\/wp-json\/wp\/v2\/pages\/33\/revisions"}],"predecessor-version":[{"id":721,"href":"https:\/\/info-to-go.binational-leipzig.de\/hr\/wp-json\/wp\/v2\/pages\/33\/revisions\/721"}],"up":[{"embeddable":true,"href":"https:\/\/info-to-go.binational-leipzig.de\/hr\/wp-json\/wp\/v2\/pages\/8"}],"wp:attachment":[{"href":"https:\/\/info-to-go.binational-leipzig.de\/hr\/wp-json\/wp\/v2\/media?parent=33"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/info-to-go.binational-leipzig.de\/hr\/wp-json\/wp\/v2\/categories?post=33"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/info-to-go.binational-leipzig.de\/hr\/wp-json\/wp\/v2\/tags?post=33"}],"curies":[{"name":"radni list","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}