[et_pb_section fb_built=”1″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#DBC078″ use_background_color_gradient=”on” background_color_gradient_stops=”rgba(0,0,0,0.4) 0%|rgba(0,0,0,0.4) 100%” background_color_gradient_overlays_image=”on” background_image=”https:\/\/www.fallerfinance.com\/wp-content\/uploads\/2025\/08\/faller-finances-background-equipe.webp” parallax=”on” custom_padding=”100px|20px|80px|20px|false|true” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_post_title meta=”off” featured_image=”off” _builder_version=”4.27.4″ _module_preset=”default” title_text_color=”#FFFFFF” title_font_size=”40px” background_color=”RGBA(255,255,255,0)” text_orientation=”center” custom_margin=”||0px||false|false” global_colors_info=”{}” theme_builder_area=”post_content”][\/et_pb_post_title][dsm_breadcrumbs home_text=” ” home_icon=”||divi||400″ align=”center” _builder_version=”4.27.4″ _module_preset=”default” items_text_color=”#DBC078″ home_icon_text_color=”#DBC078″ separators_text_color=”#DBC078″ current_text_color=”#FFFFFF” custom_margin=”0px||||false|false” global_colors_info=”{}” theme_builder_area=”post_content”][\/dsm_breadcrumbs][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” _builder_version=”4.27.4″ _module_preset=”default” background_color=”#15171C” custom_padding=”100px|20px|0px|20px|false|true” custom_padding_tablet=”70px||||false|true” custom_padding_phone=”50px||||false|true” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” max_width=”800px” max_width_tablet=”100%” max_width_phone=”100%” max_width_last_edited=”on|desktop” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” header_2_text_color=”#DBC078″ header_2_font_size=”24px” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″]<\/p>\n
<\/p>\n
Before your departure, you must complete the deregistration (\u201cAbmeldung\u201d) at the town hall, cancel contracts (housing, insurance, energy, telecoms), and inform your Finanzamt (tax office).<\/p>\n
<\/p>\n
This formalizes your tax departure and prevents you from being wrongly taxed the following year.<\/p>\n
<\/p>\n
Generally, no, provided you have ceased all activity or sources of income in Germany.<\/p>\n
<\/p>\n
However, if you retain real estate, an activity, or a German pension, you remain partially taxable. A final tax declaration (\u201cSteuererkl\u00e4rung\u201d) is often necessary. <\/p>\n
<\/p>\n
Your entitlements remain vested. You will be able to claim them from France thanks to European pension coordination. No need to start over: German quarters are taken into account when calculating your French pension. <\/p>\n
<\/p>\n
Some contracts can be frozen, closed, or transferred depending on your future tax status.<\/p>\n
<\/p>\n
\ud83d\udc49 For example, our firm has obtained recognition of the tax-exempt nature of the Basis pension in France, allowing our clients to continue benefiting from it after their return.<\/p>\n
<\/p>\n
As each situation is different, a personalized analysis is essential before your departure to preserve your tax advantages.<\/p>\n
<\/p>\n
You must cancel your Krankenkasse as soon as you leave the country, but never leave without coverage:<\/p>\n
<\/p>\n
<\/p>\n
Reaffiliation periods can be long.<\/p>\n
<\/p>\n
Yes. Some contracts lose their validity outside Germany, especially housing or civil liability insurance. Others can be converted into international coverage or transferred to France. <\/p>\n
<\/p>\n
Some German products become fiscally disadvantageous once you are a French resident. Depending on the type of contract, it may be preferable to close or transfer them before departure to avoid double taxation. <\/p>\n
<\/p>\n
Yes, but banks often require a European address. Keep it if you still have income, real estate, or a German pension; otherwise, close it after transferring your funds. <\/p>\n
<\/p>\n
The Franco-German tax treaty allocates taxation rights. If in doubt, a cross-analysis of your global income (employment income, investments, pension) allows you to anticipate the correct scenario. <\/p>\n
<\/p>\n
A poorly anticipated departure can lead to:<\/p>\n
<\/p>\n
<\/p>\n
At Faller Finance, we help you structure your return smoothly, from a tax and insurance perspective.<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"