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Re: General German Visa Enquiries Part 2 by Neyoalao(m): 8:52pm On Aug 10, 2015
zeeblamj:

Lol ya. It's a lot of tax to pay. That's why the social security is real unlike in Nigeria. I have a friend who lives off the government just cause she had a baby in Germany. But after marriage d tax is reduced cause now u have more responsibilities

living off the government as in no tax? is that possible...... and when there is family or marriage it reduces to what % and is it tru they pay pregnant citizens
Re: General German Visa Enquiries Part 2 by xtonuns(m): 9:04pm On Aug 10, 2015
hello house, please i need help from you guys or someone that has funded his deutsche account lately from a bank in Abuja. was at GTBank today and i was told i cant use the form A except i get a letter from my school stating how much i will need monthly for one year..this was said to be based on CBN latest policy and all documents must be in english..the bank officer in charge refused to honour the letter from deutsche bank except i buy EURO and pay into my dorm account...my enrollment letter was written in german and i was told to translate them backed with an affidavit before it will be accepted..this requirement is too much and i dont know how fast the language school will issue me another enrollment letter in english..ADVISE:please if your interview is around the corner and you are yet to fund your account, please do so soonest..banks have started hoarding the form A...as at today none in GTBank abuja and they said CBN has not produced enough to supply to them and they advise we should be fast with it that very soon, it will be scarce...
Re: General German Visa Enquiries Part 2 by cynosure489: 9:09pm On Aug 10, 2015
ogagaejay:


That's where you should start my man, there is nothing like too backward, the details are still correct. I stayed in this thread, without contributing for a long time, but was getting all the info I needed. My candid advise is that you should read everything. Anything you need is there already

Thanks
Re: General German Visa Enquiries Part 2 by lmuhopeful: 9:42pm On Aug 10, 2015
xtonuns:
hello house, please i need help from you guys or someone that has funded his deutsche account lately from a bank in Abuja. was at GTBank today and i was told i cant use the form A except i get a letter from my school stating how much i will need monthly for one year..this was said to be based on CBN latest policy and all documents must be in english..the bank officer in charge refused to honour the letter from deutsche bank except i buy EURO and pay into my dorm account...my enrollment letter was written in german and i was told to translate them backed with an affidavit before it will be accepted..this requirement is too much and i dont know how fast the language school will issue me another enrollment letter in english..ADVISE:please if your interview is around the corner and you are yet to fund your account, please do so soonest..banks have started hoarding the form A...as at today none in GTBank abuja and they said CBN has not produced enough to supply to them and they advise we should be fast with it that very soon, it will be scarce...

Brother, are you advising or are you seeking for advice? Which one?

As regards the letter from your school stating your yearly expenses, I advise that you check your school webpage for information on living expenses per year. Print it out and show it to them at the bank as it will have the school logo on it (I faced this issue at Stanbic and they were fine when I showed them that, even though I eventually paid with Union Bank).

Go and translate your letter with the affidavit at a high court: this kind of thing doesn't require the whole wahala of contacting your language school.

2 Likes

Re: General German Visa Enquiries Part 2 by mostyg(m): 9:48pm On Aug 10, 2015
bigzzz:
Greetings house. Please I need help here! It's almost 2weeks since I applied for an interview appointment and I still haven't received a reply from the embassy. Is this a normal occurrence or am I missing something? I actually booked an interview appointment on July 29th, via the email written at the back of the account oppenig receipt just about few hours after applying for the famous blocked account at the German embassy in Lagos. And yes! I attached the 3 required files along with my appointment request. Guys what's your take regarding this issue? Please advise..

Check your spam folder, if there is no mail from the embassy you may need to send another mail to them ASAP.

1 Like

Re: General German Visa Enquiries Part 2 by xtonuns(m): 10:07pm On Aug 10, 2015
lmuhopeful:


Brother, are you advising or are you seeking for advice? Which one?

As regards the letter from your school stating your yearly expenses, I advise that you check your school webpage for information on living expenses per year. Print it out and show it to them at the bank as it will have the school logo on it (I faced this issue at Stanbic and they were fine when I showed them that, even though I eventually paid with Union Bank).

Go and translate your letter with the affidavit at a high court: this kind of thing doesn't require the whole wahala of contacting your language school.

Huge thanks Bro....i will apreciate if anyone knows where i can do the translation in abuja.
Re: General German Visa Enquiries Part 2 by Nobody: 10:36pm On Aug 10, 2015
Neyoalao:


living off the government as in no tax? is that possible...... and when there is family or marriage it reduces to what % and is it tru they pay pregnant citizens
Um well yes some people live off the government without tax. This happens when they have no job and u have responsibilities and stuff so they declare bankruptcy and ask for support from d government. But of course they stop it after a while if they see u are unwilling to work. I don't know about the pregnancy thing but I know u get 300- 450 euros from the gov when u have a child. Even if u have a job. This is a general thing for people who have kids. Whether working or bankrupt. We now pay 25-30 percent tax and in the end of the year we get some money back. It all depends individually.

2 Likes

Re: General German Visa Enquiries Part 2 by Rickywowoz: 10:41pm On Aug 10, 2015
Obiwannn:
Styles2009, thats totally not true. Daad doesnt show all the courses offered in Germany. For example, last time I checked, TU Clausthal Msc resevoir engineering wasnt on daad.
Fos those looking for schools, check
1. Daad
2. Tu9's website
3. Mastersportal
4. Studyineurope/scholars4dev website (dunno the correct one, try both)
5. Lastly, do a google search of your desired course. Again almost all search results would lead you back to daad.
*wink #thankMelater.
please boss. which course are you going for in Hamburg?
Re: General German Visa Enquiries Part 2 by Nobody: 10:42pm On Aug 10, 2015
Neyoalao:


living off the government as in no tax? is that possible...... and when there is family or marriage it reduces to what % and is it tru they pay pregnant citizens
Yes a friend of mine who's nigerian (met her in the streets of wiesbaden one day) lives off the government and has been doing so for 1 year now. She had a baby in Duisburg and got child and family support from government. The child has a German birth cert but the parents are on family reunion permits in the country. They are currently making German courses so they can find jobs before the gov stops supporting them. This means that they only pay for the child and not more for the parents. It's quite complicated abeg. Lol. I don't have kids so I only know this from friends who dont have jobs and stuff

2 Likes

Re: General German Visa Enquiries Part 2 by Nobody: 11:03pm On Aug 10, 2015
read fifty pages back you would find ur answers, i dont know why people are lazy to read previous pages, we shall call NAIJAOBI to give you akamu. Studing abroad involves a lot of reading and research if you cant start now I wonder how you would do when you reach Germo. I got my first admission last year and made silly mistakes thats why i am still here and when i stumbled about this trend less than a month ago, i had to read 480 pages of part 1 and this part so as to avoid mistakes in the future.
xtonuns:
hello house, please i need help from you guys or someone that has funded his deutsche account lately from a bank in Abuja. was at GTBank today and i was told i cant use the form A except i get a letter from my school stating how much i will need monthly for one year..this was said to be based on CBN latest policy and all documents must be in english..the bank officer in charge refused to honour the letter from deutsche bank except i buy EURO and pay into my dorm account...my enrollment letter was written in german and i was told to translate them backed with an affidavit before it will be accepted..this requirement is too much and i dont know how fast the language school will issue me another enrollment letter in english..ADVISE:please if your interview is around the corner and you are yet to fund your account, please do so soonest..banks have started hoarding the form A...as at today none in GTBank abuja and they said CBN has not produced enough to supply to them and they advise we should be fast with it that very soon, it will be scarce...

4 Likes

Re: General German Visa Enquiries Part 2 by Obiwannn: 11:08pm On Aug 10, 2015
^^^
dem de gree read? if you talk now, dem go insult you lipsrsealed

Rickywowoz:
please boss. which course are you going for in Hamburg?

CHE, why?


Oye50, have you been debited?

Oligee, my bad...was on page 7 thereabout..
Bitte schön
https://www.nairaland.com/2098236/general-german-visa-enquiries-part/7#30339302

1 Like

Re: General German Visa Enquiries Part 2 by Junipero: 12:00am On Aug 11, 2015
Nathan2222:


Not there but just wondering, which uni are you? RWTH or FH Aachen?
Re: General German Visa Enquiries Part 2 by xtonuns(m): 12:25am On Aug 11, 2015
lamingo:
read fifty pages back you would find ur answers, i dont know why people are lazy to read previous pages, we shall call NAIJAOBI to give you akamu. Studing abroad involves a lot of reading and research if you cant start now I wonder how you would do when you reach Germo. I got my first admission last year and made silly mistakes thats why i am still here and when i stumbled about this trend less than a month ago, i had to read 480 pages of part 1 and this part so as to avoid mistakes in the future.


Oga, i have been reading joor, most people did theirs in lagos...am only asking for anybody that did his fund transfer in abuja so that in can use the bank, beside i havent seen anywhere from the first tread where the mentioned a translation office in abuja... i only asked for a recent quick guide if you can help...Thank you and believe me, i read this and even trend for indians because i have a terrible brick wall to break..

3 Likes

Re: General German Visa Enquiries Part 2 by Neyoalao(m): 3:29am On Aug 11, 2015
zeeblamj:

Um well yes some people live off the government without tax. This happens when they have no job and u have responsibilities and stuff so they declare bankruptcy and ask for support from d government. But of course they stop it after a while if they see u are unwilling to work. I don't know about the pregnancy thing but I know u get 300- 450 euros from the gov when u have a child. Even if u have a job. This is a general thing for people who have kids. Whether working or bankrupt. We now pay 25-30 percent tax and in the end of the year we get some money back. It all depends individually.
okay thanks for the insightful information...
Re: General German Visa Enquiries Part 2 by kilo4sure: 4:28am On Aug 11, 2015
Obiwannn:
^^^
dem de gree read? if you talk now, dem go insult you lipsrsealed



CHE, why?


Oye50, have you been debited?

Oligee, my bad...was on page 7 thereabout..
Bitte schön
https://www.nairaland.com/2098236/general-german-visa-enquiries-part/7#30339302
Wow are you also going for CHE? Dat's cool, are you a graduate of chemical engineering?
Re: General German Visa Enquiries Part 2 by willy2000(m): 7:03am On Aug 11, 2015
zeeblamj:

Um well yes some people live off the government without tax. This happens when they have no job and u have responsibilities and stuff so they declare bankruptcy and ask for support from d government. But of course they stop it after a while if they see u are unwilling to work. I don't know about the pregnancy thing but [s]I know u get 300- 450 euros from the gov when u have a child.[/s] Even if u have a job. This is a general thing for people who have kids. Whether working or bankrupt. We now pay 25-30 percent tax and in the end of the year we get some money back. It all depends individually.

That is not true, Kindergeld is not as much as that.

1 Like

Re: General German Visa Enquiries Part 2 by Obiwannn: 8:01am On Aug 11, 2015
kilo4sure:

Wow are you also going for CHE? Dat's cool, are you a graduate of chemical engineering?
Ja...
Re: General German Visa Enquiries Part 2 by Nobody: 9:02am On Aug 11, 2015
willy2000:


That is not true, Kindergeld is not as much as that.
How much do u get? Cause I know a person who gets 300-450 euros according to her. Unless of course they re lying. Don't know much abt gov support. I don't use it. And I don't have kids.
Oh right I placed a call. She gets 360 euros for 2 kids. She has 3 children. 190 euros extra for the third kid. both parents are Nigerian.

1 Like

Re: General German Visa Enquiries Part 2 by willy2000(m): 9:29am On Aug 11, 2015
zeeblamj:

How much do u get? Cause I know a person who gets 300-450 euros according to her. Unless of course they re lying. Don't know much abt gov support. I don't use it. And I don't have kids.
Oh right I placed a call. She gets 360 euros for 2 kids. She has 3 children. 190 euros extra for the third kid. both parents are Nigerian.
Well the later information is a little bit correct. As a rule until the children turn 18, though it can continue until they are 25 if they are still in school. You get €184 per month for each of the first two children, €190 for the third child and €215 for each subsequent one but the amount you get is relatively not much to sustain you and your children.

I don't have kids and I'm also not German but I have integrated a little bit to know a lot about the social system. It sucks if you don't intend to spend the rest of your life here.

1 Like

Re: General German Visa Enquiries Part 2 by Nobody: 10:30am On Aug 11, 2015
willy2000:

Well the later information is a little bit correct. As a rule until the children turn 18, though it can continue until they are 25 if they are still in school. You get €184 per month for each of the first two children, €190 for the third child and €215 for each subsequent one but the amount you get is relatively not much to sustain you and your children.

I don't have kids and I'm also not German but I have integrated a little bit to know a lot about the social system. It sucks if you don't intend to spend the rest of your life here.
What do u mean it sucks if u don't intend to spend the rest of ur life? I don't get u. Well I think I might have to spend d rest of my life or move to the states in a few years if I get bored. Lol I have a German spouse so I can't escape it. But I learned that if we stayed in Nigeria we will pay only 1.5 million Naira per year as tax to Nigeria and we can keep all our money. I think we might do that in a few years to save small money abeg. Lol. To be honest it's quite a good place to raise kids cause u are always sure that no matter the case they will be taken care of. Unlike Naija where kids have to hustle through school at tender ages. It's sad...

1 Like

Re: General German Visa Enquiries Part 2 by Nobody: 10:32am On Aug 11, 2015
willy2000:

Well the later information is a little bit correct. As a rule until the children turn 18, though it can continue until they are 25 if they are still in school. You get €184 per month for each of the first two children, €190 for the third child and €215 for each subsequent one but the amount you get is relatively not much to sustain you and your children.

I don't have kids and I'm also not German but I have integrated a little bit to know a lot about the social system. It sucks if you don't intend to spend the rest of your life here.
Are u in school or working?
Re: General German Visa Enquiries Part 2 by Obiwannn: 10:55am On Aug 11, 2015
zeeblamj:

What do u mean it sucks if u don't intend to spend the rest of ur life? I don't get u. Well I think I might have to spend d rest of my life or move to the states in a few years if I get bored. Lol I have a German spouse so I can't escape it. But I learned that if we stayed in Nigeria we will pay only 1.5 million Naira per year as tax to Noah and we can keep all our money. I think we might do that in a few years to save small money abeg. Lol. To be honest it's quite a good place to raise kids cause u are always sure that no matter the case they will be taken care of. Unlike Naija where kids have to hustle through school at tender ages. It's sad...

sad

so in all these so-called first world countries, where does one not have to pay almost half or over half of their salary as tax?
I remember my Lecturer in school complaining about the High Taxes in Canada...He was a Prof lecturing in Canada but he said he got pissed with the whole tax ish as though he was paid almost 10,000 dolls monthly, he was taxed between 50 to 60 percent of this sum. He said he was overworked yet under-paid and had to relocate back to Nigeria.

1 Like

Re: General German Visa Enquiries Part 2 by Williamso(m): 11:05am On Aug 11, 2015
Obiwannn:
sad

so in all these so-called first world countries, where does one not have to pay almost half or over half of their salary as tax?
I remember my Lecturer in school complaining about the High Taxes in Canada...He was a Prof lecturing in Canada but he said he got pissed with the whole tax ish as though he was paid almost 10,000 dolls monthly, he was taxed between 50 to 60 percent of this sum. He said he was overworked yet under-paid and had to relocate back to Nigeria.
Macau, Monaco, Singapore, etc
Re: General German Visa Enquiries Part 2 by Cindino20(m): 11:08am On Aug 11, 2015
zeeblamj:

What do u mean it sucks if u don't intend to spend the rest of ur life? I don't get u. Well I think I might have to spend d rest of my life or move to the states in a few years if I get bored. Lol I have a German spouse so I can't escape it. But I learned that if we stayed in Nigeria we will pay only 1.5 million Naira per year as tax to Noah and we can keep all our money. I think we might do that in a few years to save small money abeg. Lol. To be honest it's quite a good place to raise kids cause u are always sure that no matter the case they will be taken care of. Unlike Naija where kids have to hustle through school at tender ages. It's sad...


Yea...the sys is cool....often at times when I hear pple complain abt taxes and social contributions I laugh, cos the sys is designed to help tho it is a lil bit abused by some pple.

So I m gonna try to drop my 2cents before some pple get scared of the tax sys.

Income Tax: government levy imposed on individuals or entities (taxpayers) that varies with the income or profits (taxable income) of the taxpayer. This depends on ur tax class see next post for tax class.


Contributions include


Unemployment benefits:this enable workers to get 70% or so of their last income if they lose their job for a year after contributing to the system for not less than a year..of course u ve to show that u re job hunting...another criteria is that u ve to ve an open work visa.

Health insurance (15.5%). Your enployer pays abt 7.5 abd u ve to cough out the rest...The benefits re immerse world class health care and all that..you also get paid some part of ur income in the evebt of prolonged illness after 6weeks the Krankenkasse steps in and pay abt 60% of ur income for some time.

Pflegeversicherung: Insurance for sick care or so....long term care or so my limited german skills wont alow me to understand this properly.

Church Tax: a lil fraction of ur income if u re a Roman catholic or Anglican ....if u re a protestant u dont pay a dime. They get this info when u register at city council

Pension: A certian percentage of your income also goes to the pension scheme..you contribute half and ur employer pays the other half....If you decide to leave the country anytime you can apply for your pension contributions to be refunded but note that u only get the part you contributed. IF you move to another E.U country you can ask your contributions to be transferred I think there is a sys in place for that( nt so sure)

Solidarity Payment.

You can also file for tax returns ( compulsory per annum ) to claim some tax back for this u need Steuerberater or u DIY.

Benefits you get.

Aside living in a stable country with good infrastructure some benefits of workin in Germany re:

Free education for kids from nursery to uni.

Unemployment benefits if you lose ur job after contributing to the system for nt less than a year.

Kindergeld: 180 or so per child for child support.

Eltengeld: Nursing mothers and fathers can get some percentage of their income while they tend to their offspring within the first year...both parents can apply.

Good health care system.....

Pension: Steady pension..at least u dont ve to queue at Alausa and faint for that.


Access to loans, mortage and the rest although nt common single digit interest rates.


Note : You re entitled to some if u ve an open wirk visa( nt tied to an employer) you dont necessary need to be German to get most of the benefits listed above. Germany is built on social contribution..if u ve decided to reside here ve that at the back of your mind....


Students re exempted from most of the taxes stated above ..as a student you pay lil or nothing and get them back at the end of the year make una nor panic...

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Re: General German Visa Enquiries Part 2 by Cindino20(m): 11:23am On Aug 11, 2015
Tax classes in Germany

class I = single
class II = single parent (living alone with the child/children)
class III = married and spouse has no income or lower income
class IV = married and similar income to spouse
class V = opposite of class III, ie this is the class your lower earning spouse has if you have III
class VI= for a second job or for deduction without proper employee information
The taxation at source for capital income will be done with a flat tax rate of 25% (add solidarity surcharge of 5.5% of the amount of tax and, if applicable, church tax)

Source: wikipedia


Tax class 1 and 6 re nothing to write home abt...it pays to be married in Germany ..huge tax cut especially if your spouse salary is nt that high..in the case that both of you ve similar income u end up in tax class 4.

In all....Germany is a cool place

4 Likes

Re: General German Visa Enquiries Part 2 by Obiwannn: 11:26am On Aug 11, 2015
^^
Cindino20, thanks for the heads-up. I had tried to research on the taxation scheme in Germany and compare it with what was obtainable in other 1st world countries, but it was kinda difficult to understand, so I shrugged and consoled myself that no matter how high it is, it remains 10 times better than our country called Nigeria, where it is extremely difficult to make it as a fresh graduate. Although one should place relocating back to Nigeria at a certain point in his/her life as a priority, cos there's so much money to be made in our dear country, it's just breaking the class barrier that is the problem. And once one uses the opportunity studying and working in Germany brings to elevate his/her status/class, the only way to eat the bread and drink the honey of the land is to come back to invest in it.

Williamso:

Macau, Monaco, Singapore, etc

hmm...Danke sehr Chief
Make boys start to reason how to re-plot the graph then.

zeeblamj:

True. Class 1 really sucks! They take almost all ur money. In my hubby's case he even had to pay church tax cause he's catholic. Lol. It really does pay to be married or even have a kid. Extra money to spare or save

very very well said.

5 Likes

Re: General German Visa Enquiries Part 2 by Nobody: 11:32am On Aug 11, 2015
Obiwannn:


sad

so in all these so-called first world countries, where does one not have to pay almost half or over half of their salary as tax?
I remember my Lecturer in school complaining about the High Taxes in Canada...He was a Prof lecturing in Canada but he said he got pissed with the whole tax ish as though he was paid almost 10,000 dolls monthly, he was taxed between 50 to 60 percent of this sum. He said he was overworked yet under-paid and had to relocate back to Nigeria.
Well this lecturers taxes were extreme. In our case I am angry some times but when u see the benefits in Germany when u lose ur job and stuff, u will completely understand why u paid tax. Almost nobody gets unemployment support in Naija and their salaries are peanuts. Most of us are alive by the grace of God here. Lol. It's not easy in Europe. But it's safer. And the future of ur kids are secure

2 Likes

Re: General German Visa Enquiries Part 2 by Nobody: 11:35am On Aug 11, 2015
Cindino20:
Tax classes in Germany

class I = single
class II = single parent (living alone with the child/children)
class III = married and spouse has no income or lower income
class IV = married and similar income to spouse
class V = opposite of class III, ie this is the class your lower earning spouse has if you have III
class VI= for a second job or for deduction without proper employee information
The taxation at source for capital income will be done with a flat tax rate of 25% (add solidarity surcharge of 5.5% of the amount of tax and, if applicable, church tax)

Source: wikipedia


Tax class 1 and 6 re nothing to write home abt...it pays to be married in Germany ..huge tax cut especially if your spouse salary is nt that high..in the case that both of you ve similar income u end up in tax class 4.

In all....Germany is a cool place
True. Class 1 really sucks! They take almost all ur money. In my hubby's case he even had to pay church tax cause he's catholic. Lol. It really does pay to be married or even have a kid. Extra money to spare or save
Re: General German Visa Enquiries Part 2 by kaypopps: 11:41am On Aug 11, 2015
@ zeeblamj cindino20, eke47 etc. you guys are really doing great on this thread. information is power and it is very expensive. thanks for selling it cheaply on this thread by giving us freely. i doff my hat

1 Like

Re: General German Visa Enquiries Part 2 by Cindino20(m): 11:45am On Aug 11, 2015
zeeblamj:

True. Class 1 really sucks! They take almost all ur money. In my hubby's case he even had to pay church tax cause he's catholic. Lol. It really does pay to be married or even have a kid. Extra money to spare or save

Oh yea..I normally make a joke that pple with class I are workin for the State cos they contribute abr 40% of their income...despite this...pple still refuse to get married....Smh...then they buy dogs and insure them and feed them...nothin wheen we nor go see for GermanY

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Re: General German Visa Enquiries Part 2 by Obiwannn: 11:52am On Aug 11, 2015
Cindino20:


Oh yea..I normally make a joke that pple with class I are workin for the State cos they contribute abr 40% of their income...despite this...pple still refuse to get married....Smh...then they buy dogs and insurance them and feed them...nothin wheen we nor go see for GermanY

loolzzzz..... Boss abeg u fit try break this thing down lol...

class I = single
class II = single parent (living alone with the child/children)
class III = married and spouse has no income or lower income
class IV = married and similar income to spouse
class V = opposite of class III, ie this is the class your lower earning spouse has if you have III
class VI= for a second job or for deduction without proper employee information
The taxation at source for capital income will be done with a flat tax rate of 25% (add solidarity surcharge of 5.5% of the amount of tax and, if applicable, church tax)


Since you said Class I is 40%,
Class 2? 3? 4? 5? 6? etc come be wetin?

and the solidarity charge is 5.5% of tax i.e 5.5% of 25% flat rate taxed on your capital income right?

Biko that class 3 & 4 odi very very important to me oh..lol..as boys don start to look 4 wife grin already lol... cheesy

1 Like

Re: General German Visa Enquiries Part 2 by Nobody: 11:52am On Aug 11, 2015
Cindino20:


Oh yea..I normally make a joke that pple with class I are workin for the State cos they contribute abr 40% of their income...despite this...pple still refuse to get married....Smh...then they buy dogs and insurance them and feed them...nothin wheen we nor go see for GermanY
D dog thing. Lol...... Can u imagine. My neighbors have one too. Instead of having a kid so they can gain money, they are paying insurance for dog and buying food. Yeye people. That's why I like Naija people. No time for nonsense!

5 Likes

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