{"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\/sl\/start\/wirtschaft\/geld-und-finanzen\/","title":{"rendered":"Denar in finance"},"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 lahko odprem ban\u010dni 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>Ban\u010dni ra\u010dun lahko odpre vsakdo v Nem\u010diji z osebno izkaznico in naslovom. <\/p>\n\n\n\n<p>Mora\u0161 <strong>ne <\/strong>imajo stanovanje ali potrdilo o prijavi\/prijavi.<br>Man muss ima samo en ID in en naslov.<br>V redu je tudi naslov prijatelja ali svetovalnice.<br>V\u010dasih banka pravi, da tega ni mogo\u010de storiti brez registracije.<br>Lahko banko <a href=\"https:\/\/www.bafin.de\/DE\/Verbraucher\/Bank\/Produkte\/Basiskonto\/basiskonto_artikel.html\" target=\"_blank\" rel=\"noopener\">to <\/a>Zagotavlja informacije. Pojasnjuje, kaj potrebujete za odprtje ban\u010dnega ra\u010duna.<\/p>\n\n\n\n<p>\u010ce osebno na banki ne gre, lahko pisno zaprosite za odprtje ra\u010duna.<br>S tem <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\">obrazec <\/a>naredi to.<br>\u010ce banka \u0161e vedno no\u010de odpreti ra\u010duna, se lahko obrnete na organ &#039;BaFin&#039; (Zvezni organ za finan\u010dni nadzor).<br>BaFin zagotavlja pravilno poslovanje vseh bank v Nem\u010diji.<br><a href=\"https:\/\/web.basp.bafin.de\/lip\/form\/display.do?%24context=32BE57B25CB25A31FC9B\" target=\"_blank\" rel=\"noopener\">Tukaj <\/a>se lahko obrnete na 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\">Pri kateri banki naj odprem 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>V Nem\u010diji je veliko razli\u010dnih bank.<br>Nekateri imajo podru\u017enice, kamor lahko gre\u0161.<br>Nekateri so samo na spletu.<br>Videti morate, katera banka vam najbolj ustreza.<br>Za ban\u010dni ra\u010dun so redne pristojbine.<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\">Tukaj <\/a>lahko vidite, katere pristojbine so dovoljene in katere ne.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>\u010ce imate ban\u010dni ra\u010dun, boste prejeli redni izpisek ra\u010duna.<br>Ve\u010dino \u010dasa prejmete ban\u010dni izpisek za en mesec.<br>Vsi podatki o prilivih in odhodih denarja so na izpisku ra\u010duna.<br>Na primer: ko pride denar iz slu\u017ebe ali ko se pla\u010da najemnina.<br>Zelo pomembno je, da ta ban\u010dni izpisek shranite.<br>Zelo pogosto morate dokazati, da ste pla\u010dali nekaj dolo\u010denega ali koliko denarja ste zaslu\u017eili.<br>\u010ce izgubite ban\u010dni izpisek, vam lahko banka da kopijo.<br>Man muss, vendar pla\u010date zanj relativno veliko denarja. Na primer 5 evrov za vsak izpisek ra\u010duna.<br>La\u017eje je, \u010de uporabljate spletno banko.<br>Potem imate svoje izpiske vedno varno v svojem spletnem nabiralniku in vam zanje ni treba ni\u010desar pla\u010dati.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>\u010ce nekaj pla\u010date z ban\u010dnim ra\u010dunom, lahko pla\u010date z ban\u010dnim nakazilom ali direktno bremenitvijo.<br>Prenos: Denar po\u0161ljete s svojega ra\u010duna na drug ra\u010dun. Na primer denar za najemnino va\u0161emu najemodajalcu.<br>Neposredna obremenitev: podjetje vsak mesec samodejno vzame denar z va\u0161ega ra\u010duna. Na primer, denar za elektriko v va\u0161em stanovanju vzamete neposredno od ponudnika elektri\u010dne energije.<br>Ko naka\u017eete denar, lahko dolo\u010dite &#039;namen&#039;.<br>Namen je razlog, zakaj nakazujete denar.<br>Na primer &#039;Najem avgust 2024&#039;.<br>Nekateri ljudje uporabljajo tudi kreditne kartice za pla\u010dilo stvari.&nbsp;<br>Vendar pa lahko kreditne kartice prina\u0161ajo veliko provizij in visokih obrestnih mer.<br>Na koncu z njim pla\u010date veliko ve\u010d kot z obi\u010dajnim ban\u010dnim 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\">Ali moram skleniti pogodbo za mobilni telefon ali 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>Ali moram skleniti pogodbo za mobilni telefon ali internet?<br>Ni nujno, da podpi\u0161ete pogodbo o mobilnem telefonu.<br>Obstajajo tudi predpla\u010dni\u0161ke SIM kartice.&nbsp;<br>Nato lahko mobilni telefon vedno polnite.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>S\u010dasoma boste sklenili pogodbe z razli\u010dnimi podjetji v Nem\u010diji.<br>Na primer za mobilne telefone, internet, elektriko, zavarovanje.<br>Vedno dobro premislite, katere pogodbe sklepate.<\/p>\n\n\n\n<p>Predvsem:&nbsp;&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Koliko \u010dasa traja pogodba?&nbsp;&nbsp;<\/li>\n\n\n\n<li>Koliko moram pla\u010dati vsak mesec?&nbsp;<\/li>\n\n\n\n<li>Kdaj in kako lahko odpovem pogodbo?&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Zelo pogosto ljudje hitro sklenejo pogodbo. Na za\u010detku je lahko zelo poceni. Toda \u010dez nekaj \u010dasa postane dra\u017eje.<br>Obi\u0161\u010dete lahko spletna mesta, kot je &quot;<a href=\"https:\/\/www.check24.de\/\" target=\"_blank\" rel=\"noopener\">PREVERI24<\/a>\u00bbUporabite za primerjavo ponudb.&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\">Ali moram pla\u010dati pristojbino za oddajanje?\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>V Nem\u010diji obstaja pristojbina za televizijsko in radijsko oddajanje.<br>Denar bo namenjen financiranju televizijskih kanalov ARD, ZDF in Radia Deutschlandradio.<br>So javne radiotelevizije in proizvajajo informacije in programe za celotno prebivalstvo.<br>\u010ce ima\u0161 dovolj denarja, mora\u0161 pla\u010dati prispevek.<br>Tudi \u010de ne gledate nem\u0161ke televizije ali poslu\u0161ate nem\u0161kega radia, morate pla\u010dati.<br>\u010ce zaslu\u017ei\u0161 malo in prejema\u0161 dr\u017eavljansko nadomestilo, ti ni treba pla\u010dati.<br>Oprostitev pla\u010dila radiodifuzijskega prispevka uveljavljate pri slu\u017ebi za prispevke <a href=\"https:\/\/www.rundfunkbeitrag.de\/buergerinnen_und_buerger\/formulare\/befreiung_oder_ermaessigung_beantragen\/index_ger.html\" target=\"_blank\" rel=\"noopener\">tukaj<\/a>. Ta videoposnetek pojasnjuje, kako izpolniti obrazec:<\/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 sem lahko opro\u0161\u010den pla\u010dila pristojbine za spletno oddajanje?\" 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\">Kje lahko preverim stvari, kot so ban\u010dne provizije in pogodbe?\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>\u010ce ne razumete dolo\u010denih pristojbin ali niste zadovoljni s pogodbo, se lahko obrnete na svetovalnico za potro\u0161nike.<br>Svetovalnica za potro\u0161nike je namenjena obve\u0161\u010danju ljudi in za\u0161\u010diti pred spornimi pogodbami. Za nekatera svetovanja tam mora\u0161 nekaj pla\u010dati.<br><a href=\"https:\/\/www.verbraucherzentrale-sachsen.de\/beratungsstellen\/leipzig\/beratungsangebote\/1949\" target=\"_blank\" rel=\"noopener\">Tukaj <\/a>so kontaktni podatki Leipzi\u0161kega potro\u0161ni\u0161kega centra.&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\/sl\"><\/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\/sl\/wp-json\/wp\/v2\/pages\/33","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/info-to-go.binational-leipzig.de\/sl\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/info-to-go.binational-leipzig.de\/sl\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/info-to-go.binational-leipzig.de\/sl\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/info-to-go.binational-leipzig.de\/sl\/wp-json\/wp\/v2\/comments?post=33"}],"version-history":[{"count":11,"href":"https:\/\/info-to-go.binational-leipzig.de\/sl\/wp-json\/wp\/v2\/pages\/33\/revisions"}],"predecessor-version":[{"id":721,"href":"https:\/\/info-to-go.binational-leipzig.de\/sl\/wp-json\/wp\/v2\/pages\/33\/revisions\/721"}],"up":[{"embeddable":true,"href":"https:\/\/info-to-go.binational-leipzig.de\/sl\/wp-json\/wp\/v2\/pages\/8"}],"wp:attachment":[{"href":"https:\/\/info-to-go.binational-leipzig.de\/sl\/wp-json\/wp\/v2\/media?parent=33"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/info-to-go.binational-leipzig.de\/sl\/wp-json\/wp\/v2\/categories?post=33"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/info-to-go.binational-leipzig.de\/sl\/wp-json\/wp\/v2\/tags?post=33"}],"curies":[{"name":"delovni list","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}