Insurance at the best price
ONE STRATEGIES – The best insurance companies in Germany
If you need insurance in Germany – whether it's:
* Car insurance
* Civil liability insurance
* Home contents insurance
* Health insurance
* Travel insurance
* Supplementary dental insurance
* Occupational disability insurance
* Life insurance
* Legal expenses insurance
…then ONE STRATEGIES offers you the best solutions on the market – individually tailored to your situation.
✔️ Clear explanations in Romanian
✔️ Fast and transparent service
✔️ Best value for money throughout Germany
✔️ Consistent support and reliability
📍 If you live in Germany and are looking for fair and affordable insurance, ONE STRATEGIES is the right choice
Personal Loans
💡 What is a Personal Loan?
A personal loan in Germany (called Privatkredit or Ratenkredit) is a type of unsecured loan that you can use for personal needs such as:
• Home renovations
• Buying furniture or electronics
• Covering unexpected expenses
• Travel or education
• Debt consolidation
You don’t need to specify the exact purpose in most cases, and no collateral (e.g. a car or property) is required.
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✅ Who Can Apply for a Personal Loan in Germany?
To qualify for a personal loan, you generally must:
• Be at least 18 years old
• Have a residence in Germany
• Have a regular income (from employment or self-employment)
• Have a German bank account
• Have a positive SCHUFA score (your credit rating in Germany)
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🧾 What Documents Are Needed?
• Valid ID or passport
• Proof of income (e.g. payslips, tax returns)
• Bank statements
• Registration certificate (Meldebescheinigung)
Some banks may also ask for a copy of your employment contract or residence permit (for non-EU citizens).
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💶 Loan Conditions in Germany
• Loan Amount: Usually from €1,000 up to €100,000
• Repayment Term: 12 to 120 months (1 to 10 years)
• Interest Rates: Typically between 2% and 9%, depending on your creditworthiness and bank
• Fixed Monthly Installments
• Early repayment is often allowed, sometimes with a small fee
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🔍 Where to Get a Personal Loan in Germany
You can apply through:
• Banks (Commerzbank, Deutsche Bank, Sparkasse, etc.)
• Online lenders (Auxmoney, Smava, Check24, etc.)
• Credit brokers (who compare offers for you)
Online platforms are often faster and more flexible, with digital verification and quick approval.
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📝 How to Apply – Step-by-Step
1. Compare offers online or through a broker
2. Fill in the application (online or at a branch)
3. Submit required documents
4. Credit check (SCHUFA)
5. Loan approval
6. Sign the contract digitally or on paper
7. Receive the funds (usually within 1–5 business days)
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📌 Tips for Clients
• Always compare multiple offers before signing
• Make sure you can afford the monthly rate
• Be careful of hidden fees or insurance add-ons
• A better SCHUFA score = better interest rate
SAVINGS ACCOUNTS
💼 What is a Savings Account?
A savings account (Sparkonto in German) is a secure and interest-earning account used to set aside money for the future. It helps you grow your savings gradually while keeping your funds safe.
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✅ Why Should You Have a Savings Account?
1. Financial Security
Savings accounts provide a safety net for unexpected expenses like medical bills, car repairs, or job loss.
2. Goal-Based Saving
Save for travel, education, a car, a house, or any personal goals.
3. Interest Earnings
Even though interest rates are low, your money grows over time – especially in high-yield savings accounts.
4. Better Money Management
Keeping savings separate from your daily spending account helps you budget and control your spending.
5. Required for Some Services
Some loans or investment accounts may require you to have a savings account.
6. Protected by Law
German savings accounts are protected by deposit insurance – up to €100,000 per person, per bank.
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📝 How to Open a Savings Account in Germany
You must:
• Be at least 18 years old
• Have a valid passport or ID
• Have a residence in Germany
• Have a German address registration (Meldebescheinigung)
• Have a *German tax ID number (Steuer-ID)
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🧾 Steps to Open a Savings Account
1. Choose a bank
Options include: Sparkasse, Deutsche Bank, Commerzbank, or online banks like N26, DKB, or ING.
2. Select account type
Choose between a regular savings account, daily-access account (Tagesgeldkonto), or fixed-term savings (Festgeldkonto).
3. Apply online or in-person
Most banks allow online applications. You’ll need to go through identity verification (video or PostIdent).
4. Provide documents
• Passport or ID
• Proof of address
• Tax ID (for interest reporting)
5. Activate account
Once opened, you’ll get access to online banking and can transfer money anytime.
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💡 Types of Savings Accounts
• Tagesgeldkonto (Instant access savings)
– Flexible, withdraw anytime, low risk
• Festgeldkonto (Fixed-term savings)
– Locked for a fixed period (e.g. 1 year), higher interest
• Regular Sparkonto
– Traditional savings, used mostly by locals
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📌 Final Tips
• Compare interest rates between banks
• Avoid accounts with high fees
• Choose an account that fits your goals (short-term or long-term saving)
• Use automatic transfers to save regularly
Funding for houses and apartments
Buying a home or apartment in Germany often involves taking out a mortgage loan (Immobilienkredit). Here are the key points you should know:
1. Down Payment (“Eigenkapital”)
• Most banks require a 10%–20% down payment.
• The more equity you bring, the better your interest rate and loan conditions.
2. Interest Rates
• Germany offers fixed interest rates for 5, 10, or 15 years.
• Rates are typically low compared to many other countries.
3. Loan Types
• Annuity Loan: Most common – monthly payments stay the same.
• Interest-Only Loan: Pay only interest for a period, then repay the principal later.
4. Repayment (“Tilgung”)
• Standard repayment is around 2% per year, but can be adjusted.
• Faster repayment = lower total interest paid.
5. Credit Score & Documents
• A good Schufa score is crucial.
• You’ll need: proof of income, job contract, residency status, and property documents.
6. Financing Options
• Offered by banks (e.g., Deutsche Bank, Sparkasse, ING) and specialized brokers.
• You can compare offers to get the best deal.
7. For Foreigners
• Non-German residents can apply, but may need:
• Permanent residence permit or long-term visa.
• Stable income in Germany or the EU.
Car financing
Whether you’re buying a new or used vehicle, car financing (Autofinanzierung) is a popular and accessible option in Germany. Here’s what clients should know:
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1. Types of Car Financing
• Classic Loan (Ratenkredit):
You pay monthly installments over a fixed period (usually 12–72 months) and become the full owner.
• Three-Way Financing (3-Wege-Finanzierung):
Combines leasing and loan. At the end, you choose to return the car, pay the remaining amount (final installment), or refinance it.
• Leasing:
You “rent” the car for a fixed term and return it after, unless you choose to buy it.
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2. Requirements to Get Approved
To qualify for car financing in Germany, you usually need:
• A valid residence permit or visa (non-EU citizens).
• Proof of income (salary slips or tax return).
• A German bank account.
• A good SCHUFA score (German credit history).
• Sometimes, proof of stable employment (e.g. job contract of at least 6–12 months).
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3. Down Payment
• Many lenders offer 0% down payment options.
• However, a down payment (10–20%) can help reduce monthly costs and improve approval chances.
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4. Where to Apply
• Car dealerships (Autohäuser): Often offer financing through partner banks (e.g. Volkswagen Bank, BMW Financial Services).
• Banks & online lenders: Deutsche Bank, ING, Santander, etc.
• Credit brokers (Finanzvermittler): Can help you compare offers and get better deals.
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5. Interest Rates
• Vary based on credit score, loan term, and down payment.
• Typically between 2.5%–7% APR.
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6. Important Tips
• Always check total cost, not just monthly rate.
• Ask about early repayment options and hidden fees.
• Compare multiple offers before signing.
WEB SITE
Creating a professional website is one of the most important steps for growing your brand or business in Germany. Here’s everything you need to know:
🛠️ 1. Types of Websites
• Business Website – For companies, services, portfolios, etc.
• Online Shop (E-Commerce) – For selling products online (WooCommerce, Shopify).
• Landing Page – For specific offers or marketing campaigns.
• Blog or Personal Page – For content creators or freelancers.
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📋 2. Essential Elements of a Website
• Domain name (e.g. www.yourbusiness.de) – Register via providers like IONOS, Strato, or GoDaddy.
• Hosting – You need fast, secure web hosting (e.g. HostEurope, SiteGround, Hetzner).
• SSL Certificate – Required for security and SEO.
• Responsive Design – Must look good on both desktop and mobile.
• Legal Pages (mandatory in Germany):
• Impressum (legal notice)
• Datenschutzerklärung (Privacy Policy – GDPR)
• AGB (Terms and Conditions – optional but useful)
• Cookie Banner (for GDPR compliance)
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💡 3. What You Need to Provide as a Client
• Company name, logo, brand colors
• Text content (About us, Services, Contact, etc.)
• Photos or videos (or request stock content)
• Preferred structure (pages like Home, Services, Gallery, Contact)
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💻 4. Technologies & Platforms
• WordPress (most common and flexible)
• Wix / Squarespace (easy to use, less customizable)
• Shopify / WooCommerce (for e-commerce)
• Custom development (HTML/CSS/JS) for advanced projects
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🚀 5. SEO & Google Setup
• Search Engine Optimization (SEO) is important for visibility.
• Set up Google Analytics & Google Search Console.
• Use keywords relevant to your business in German and/or English.
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⏱️ 6. Timeline & Process
1. Consultation / Planning
2. Design proposal
3. Content integration
4. Review and feedback
5. Final launch
Typical time: 1–4 weeks, depending on complexity.
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💶 7. Costs
• Basic website: €500 – €1,500
• E-commerce site: €1,500 – €5,000+
• Monthly maintenance (optional): €30 – €100
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🧾 8. Legal Requirements (Very Important in Germany)
• Your website must comply with GDPR.
• Hosting should preferably be in the EU/Germany.
• Cookie banners and clear data use notices are mandatory.
Professional CV
A professional CV (Curriculum Vitae) is more than just a document — it’s your personal marketing tool. Whether you’re applying for a job in Germany or internationally, a strong CV increases your chances of getting noticed and hired.
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✅ Why You Need a CV
1. It’s the First Impression
Employers see your CV before they see you. A clean, well-structured CV helps you make a strong first impact.
2. It Highlights Your Skills
Your CV shows what you’ve achieved, what you’re good at, and what you can offer.
3. Required for All Job Applications
In Germany, a CV is a mandatory part of any application – even for internships or student jobs.
4. Needed for Agencies & Job Centers
Many job agencies or Arbeitsagentur (Federal Employment Agency) require a professional CV to help you find work.
5. Essential for Blue Card & Visa Processes
Foreign professionals applying for work visas or the EU Blue Card need a formal CV in the German format.
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📌 What Clients Should Know
• A CV is not a one-size-fits-all: Each job may require slight changes (adapted for the position or company).
• German employers expect a clear layout: Usually 1–2 pages, with personal info, experience, education, skills, and optionally a photo.
• Chronological order matters: Start with the most recent experience.
• Include keywords from the job ad to pass automated filters (ATS).
• Spelling and structure are crucial: Mistakes can cost you interviews.
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🧰 What Makes a Great CV?
• ✅ Professional layout
• ✅ Clear contact info
• ✅ Structured sections (Experience, Education, Skills, Languages)
• ✅ Adapted to the German job market
• ✅ Optional: cover letter (Anschreiben)
