{"id":3810,"date":"2025-04-01T16:49:53","date_gmt":"2025-04-01T14:49:53","guid":{"rendered":"https:\/\/career-management.de\/jp\/?p=3810"},"modified":"2025-04-25T17:10:07","modified_gmt":"2025-04-25T15:10:07","slug":"tax-apply","status":"publish","type":"post","link":"https:\/\/career-management.de\/jp\/blog\/tax-apply\/","title":{"rendered":"\u3010\u4f55\u3092\u7533\u544a\u3059\u308c\u3070\u304a\u5f97\uff1f\u3011\u30c9\u30a4\u30c4\u3067\u306e\u78ba\u5b9a\u7533\u544a\u306e\u5177\u4f53\u7684\u65b9\u6cd5"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong><a title=\"\u3010\u3044\u304f\u3089\u8cb0\u3048\u308b\uff1f\u3011\u30c9\u30a4\u30c4\u3067\u4ed5\u4e8b\u3092\u3059\u308b\u4eba\u304c\u78ba\u5b9a\u7533\u544a\u3059\u308b\u30e1\u30ea\u30c3\u30c8\u3068\u306f\" 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href=\"https:\/\/die-stimme-des-mittelstandes.de\/durchschnittliche-steuerrueckerstattung-in-deutschland_02.10.2019?utm_source=chatgpt.com\">Samstags-Zeitung<\/a>\uff09\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u898b\u3059\u308b\u3068\u5185\u5bb9\u304c\u96e3\u3057\u304f\u3001\u6642\u9593\u3068\u624b\u9593\u306e\u304b\u304b\u308b\u4f5c\u696d\u306e\u3088\u3046\u306b\u601d\u3048\u307e\u3059\u304c\u3001\u57fa\u790e\u7684\u306a\u7533\u544a\u3067\u3042\u308c\u3070\u8ab0\u3067\u3082\u7c21\u5358\u306b\u3067\u304d\u308b\u3053\u3068\u3067\u77e5\u3089\u308c\u308b\u30c9\u30a4\u30c4\u306e\u78ba\u5b9a\u7533\u544a\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u672c\u7a3f\u3067\u306f\u3001\u88ab\u96c7\u7528\u8005\u304c<span style=\"background: linear-gradient(to top, pink 50%, transparent 50%)\">\u3069\u306e\u3088\u3046\u306a\u8cbb\u7528\u3092\u7533\u8acb\u3057\u305f\u3089\u300c\u304a\u5f97\u300d\u306b\u306a\u308a\u3084\u3059\u3044\u306e\u304b<\/span>\u306b\u3064\u3044\u3066\u89e3\u8aac\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<div style=\"border: 1px solid #ccc;padding: 12px;background-color: #f9f9f9;font-size: 0.95em;color: #555\">\n  \u203b\u672c\u7a3f\u306e\u5185\u5bb9\u306f\u3001\u9084\u4ed8\u91d1\u306e\u9084\u5143\u3092\u7d04\u675f\u3059\u308b\u5185\u5bb9\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u5834\u5408\u306b\u3088\u3063\u3066\u306f\u8ffd\u5fb4\u304c\u767a\u751f\u3059\u308b\u53ef\u80fd\u6027\u3082\u3042\u308b\u3053\u3068\u3092\u3054\u7406\u89e3\u304f\u3060\u3055\u3044\u3002\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u7533\u544a\u3057\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u3044\u4e8b<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u307e\u305a\u306f\u3001\u305d\u3082\u305d\u3082\u3069\u306e\u3088\u3046\u306a\u60c5\u5831\u3092\u63d0\u51fa\u3059\u308b\u304b\u628a\u63e1\u3057\u307e\u3057\u3087\u3046\u3002\u4ee5\u4e0b\u306e\u3044\u305a\u308c\u306e\u7533\u544a\u624b\u6bb5\u306b\u95a2\u308f\u3089\u305a\u3001\u63d0\u51fa\u3059\u308b\u5185\u5bb9\u306f\u540c\u3058\u3067\u3059\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u7a0e\u7406\u58eb\u3092\u96c7\u3046<\/li>\n\n\n\n<li>\u653f\u5e9c\u652f\u7d66\u306e\u30bd\u30d5\u30c8\u3092\u4f7f\u7528\u3059\u308b<\/li>\n\n\n\n<li>\u624b\u66f8\u304d\u306e\u30d5\u30a9\u30fc\u30de\u30c3\u30c8\u3067\u63d0\u51fa\u3059\u308b<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div>\n  <table style=\"width: 100%;border-collapse: collapse;font-family: sans-serif;margin-top: 1em\">\n    <thead>\n      <tr style=\"background-color: #f0f0f0;color: #333\">\n        <th style=\"padding: 12px;border: 1px solid #ccc\">\u65b9\u6cd5<\/th>\n        <th style=\"padding: 12px;border: 1px solid #ccc\">\u30e1\u30ea\u30c3\u30c8<\/th>\n        <th style=\"padding: 12px;border: 1px solid #ccc\">\u30c7\u30e1\u30ea\u30c3\u30c8<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background-color: #fff\">\n        <td style=\"padding: 12px;border: 1px solid #ccc\">\u7a0e\u7406\u58eb\uff08Steuerberater\uff09<\/td>\n        <td style=\"padding: 12px;border: 1px solid #ccc\">\n          \u7bc0\u7a0e\u52b9\u679c\u304c\u9ad8\u307e\u308b\u53ef\u80fd\u6027\u3042\u308a<br>\n          \u8907\u96d1\u306a\u6848\u4ef6\u306b\u5bfe\u5fdc\u53ef\u80fd<br>\n          \u7a0e\u52d9\u7f72\u3068\u306e\u3084\u308a\u53d6\u308a\u3082\u4ee3\u884c\u53ef\n        <\/td>\n        <td style=\"padding: 12px;border: 1px solid #ccc\">\n          \u30b3\u30b9\u30c8\u304c\u9ad8\u3081\uff08200\u301c800\u30e6\u30fc\u30ed\u4ee5\u4e0a\uff09<br>\n          \u66f8\u985e\u6e96\u5099\u304c\u5fc5\u8981<br>\n          \u7d0d\u671f\u306b\u4f59\u88d5\u304c\u5fc5\u8981\n        <\/td>\n      <\/tr>\n      <tr style=\"background-color: #f9f9f9\">\n        <td style=\"padding: 12px;border: 1px solid #ccc\">\u7a0e\u52d9\u30bd\u30d5\u30c8\uff08WISO\u7b49\uff09<\/td>\n        <td style=\"padding: 12px;border: 1px solid #ccc\">\n          \u5b89\u4fa1\uff08\u7121\u6599\u301c\u6570\u5341\u30e6\u30fc\u30ed\uff09<br>\n          \u8cea\u554f\u5f62\u5f0f\u3067\u7c21\u5358\u306b\u5165\u529b\u53ef\u80fd<br>\n          \u30b7\u30df\u30e5\u30ec\u30fc\u30b7\u30e7\u30f3\u304c\u3067\u304d\u308b<br>\n          Elster\u9023\u643a\u53ef\n        <\/td>\n        <td style=\"padding: 12px;border: 1px solid #ccc\">\n          \u7bc0\u7a0e\u52b9\u679c\u306f\u9650\u5b9a\u7684<br>\n          \u8907\u96d1\u306a\u30b1\u30fc\u30b9\u306b\u306f\u4e0d\u5411\u304d<br>\n          \u30bd\u30d5\u30c8\u304c\u30c9\u30a4\u30c4\u8a9e\u306e\u307f\u306e\u5834\u5408\u3042\u308a\n        <\/td>\n      <\/tr>\n      <tr style=\"background-color: #fff\">\n        <td style=\"padding: 12px;border: 1px solid #ccc\">\u624b\u66f8\u304d\u63d0\u51fa\uff08ElsterFormular\u3084\u7d19\uff09<\/td>\n        <td style=\"padding: 12px;border: 1px solid #ccc\">\n          \u5b8c\u5168\u7121\u6599<br>\n          \u30bd\u30d5\u30c8\u4e0d\u8981\u30fb\u30aa\u30d5\u30e9\u30a4\u30f3OK\n        <\/td>\n        <td style=\"padding: 12px;border: 1px solid #ccc\">\n          \u96e3\u6613\u5ea6\u304c\u9ad8\u3044\uff08\u7a0e\u77e5\u8b58\u5fc5\u9808\uff09<br>\n          \u30df\u30b9\u306e\u30ea\u30b9\u30af\u3042\u308a<br>\n          \u51e6\u7406\u306b\u6642\u9593\u304c\u304b\u304b\u308b\n        <\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\u4ee5\u4e0b\u306b\u3001\u767b\u9332\u6642\u306b\u5fc5\u8981\u306b\u306a\u308b\u60c5\u5831\u3092\u8a18\u8f09\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u500b\u4eba\u60c5\u5831<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u540d\u524d\u3084\u4f4f\u6240\u306f\u5f53\u7136\u306e\u3053\u3068\u3001\u5fc5\u305a\u8b58\u5225\u756a\u53f7\uff08Identifikationsnummer\uff09\u304c\u5fc5\u8981\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u65e5\u672c\u3067\u8a00\u3046\u30de\u30a4\u30ca\u30f3\u30d0\u30fc\u3067\u3001\u3069\u3093\u306a\u793e\u4f1a\u7684\u7acb\u5834\u306e\u4eba\u3067\u3082\u5fc5\u305a\u4e0e\u3048\u3089\u308c\u3066\u3044\u307e\u3059\u3002\u305d\u308c\u306b\u52a0\u3048\u7a0e\u756a\u53f7\uff08Steuernummer\uff09\u3082\u8a18\u5165\u5fc5\u9808\u9805\u76ee\u3067\u3059\u3002\u3053\u306e\u4e8c\u3064\u306f\u56f0\u60d1\u3057\u3084\u3059\u3044\u3067\u3059\u304c\u3001\u7570\u306a\u308b\u5225\u306e\u756a\u53f7\u3068\u306a\u308a\u307e\u3059\u3002\u7a0e\u756a\u53f7\u306f\u3001\u5f15\u3063\u8d8a\u3057\u3092\u3057\u3066\u7ba1\u8f44\u306e\u7a0e\u52d9\u7f72\u304c\u5909\u308f\u308c\u3070\u65b0\u3057\u304f\u767a\u884c\u3055\u308c\u307e\u3059\u3002\u3082\u3057\u81ea\u8eab\u306e\u8b58\u5225\u756a\u53f7\u3092\u628a\u63e1\u3057\u3066\u306a\u3044\u5834\u5408\u306f\u3001\u7ba1\u8f44\u306e\u7a0e\u52d9\u7f72\u306b\u554f\u3044\u5408\u308f\u305b\u307e\u3057\u3087\u3046\u3002\u7ba1\u8f44\u306e\u7a0e\u52d9\u7f72\u306f finanzamt24 \u306a\u3069\u306e\u30b5\u30a4\u30c8\u3067\u7c21\u5358\u306b\u63a2\u3059\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u4e00\u65b9\u3067\u8b58\u5225\u756a\u53f7\u306f\u4e00\u5ea6\u4ed8\u4e0e\u3055\u308c\u308c\u3070\u4e00\u751f\u5909\u66f4\u3055\u308c\u307e\u305b\u3093\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u7d0d\u7a0e\u60c5\u5831<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u7533\u544a\u5e74\u306b\u5408\u8a08\u3067\u3044\u304f\u3089\u5404\u7a2e\u7a0e\u91d1\u3092\u7d0d\u3081\u305f\u304b\u3092\u8a18\u3059\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u88ab\u96c7\u7528\u8005\u306f\u6e90\u6cc9\u5fb4\u53ce\u3067\u3044\u304f\u3089\u5f15\u304b\u308c\u3066\u3044\u308b\u304b\u3001\u5e74\u672b\u306b\u4f1a\u793e\u304b\u3089\u3082\u3089\u3046\u6240\u5f97\u7a0e\u8a3c\u660e\u66f8\uff08Lohnsteuerbescheinigung\uff09\u3092\u898b\u3066\u3001\u5185\u5bb9\u3092\u5199\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bruttoarbeitslohn \uff1a\u984d\u9762\u8cc3\u91d1<\/li>\n\n\n\n<li>Lohnsteuer \uff1a\u6240\u5f97\u7a0e<\/li>\n\n\n\n<li>Solidarit\u00e4tszuschlag \uff1a\u9023\u5e2f\u7a0e<\/li>\n\n\n\n<li>Kirchensteuer \uff1a\u6559\u4f1a\u7a0e<\/li>\n\n\n\n<li>Rentenversicherung \uff1a\u5e74\u91d1\u4fdd\u967a<\/li>\n\n\n\n<li>Krankenversicherung \uff1a\u5065\u5eb7\u4fdd\u967a<\/li>\n\n\n\n<li>Pflegeversicherung \uff1a\u4ecb\u8b77\u4fdd\u967a<\/li>\n\n\n\n<li>Arbeitslosenversicherung \uff1a\u5931\u696d\u4fdd\u967a<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u5404\u9805\u76ee\u306e\u8a73\u7d30\u306b\u95a2\u3057\u3066\u306f<a href=\"https:\/\/career-management.de\/jp\/blog\/brutto-netto\/2388\/\">\u904e\u53bb\u306e\u30b3\u30e9\u30e0<\/a>\u3067\u4e00\u5ea6\u89e3\u8aac\u3057\u3066\u304a\u308a\u307e\u3059\u306e\u3067\u3001\u305d\u3061\u3089\u3092\u3054\u4e00\u8aad\u304f\u3060\u3055\u3044\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u57fa\u672c\u7684\u306b\u306f\u3053\u306e2\u70b9\uff08\u500b\u4eba\u60c5\u5831\u3068\u7d0d\u7a0e\u60c5\u5831\uff09\u3060\u3051\u6291\u3048\u308c\u3070\u6700\u4f4e\u9650\u306e\u63d0\u51fa\u6e96\u5099\u5b8c\u4e86\u3067\u3059\u3002\u3057\u304b\u3057\u3001\u88ab\u96c7\u7528\u8005\u306e\u65b9\u306f\u3053\u306e\u307e\u307e\u63d0\u51fa\u3057\u3066\u3082\u3001\u6e90\u6cc9\u5fb4\u53ce\u3067\u3059\u3067\u306b\u6255\u3063\u3066\u3044\u308b\u3082\u306e\u3092\u6539\u3081\u3066\u5831\u544a\u3059\u308b\u3060\u3051\u3068\u306a\u308a\u3001\u7a0e\u52d9\u7f72\u304c\u628a\u63e1\u3057\u3066\u3044\u308b\u6570\u5b57\u3068\u5b8c\u5168\u4e00\u81f4\u3057\u3066\u3044\u308b\u306e\u3067\u7533\u544a\u306e\u610f\u5473\u304c\u3042\u308a\u307e\u305b\u3093\u3002\u3053\u3053\u304b\u3089\u3055\u3089\u306b\u3001\u7a0e\u52d9\u7f72\u304c\u628a\u63e1\u3057\u304d\u308c\u3066\u3044\u306a\u3044\u8ffd\u52a0\u652f\u51fa\u3092\u7533\u544a\u3092\u3059\u308b\u3053\u3068\u3067\u3001\u7d0d\u7a0e\u984d\u306e\u4e00\u90e8\u304c\u8fd4\u91d1\u3055\u308c\u307e\u3059\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u7533\u544a\u3059\u308c\u3070\u304a\u5f97\u306b\u306a\u308b\u53ef\u80fd\u6027\u304c\u9ad8\u3044\u9805\u76ee<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u305d\u308c\u3067\u306f\u3069\u306e\u3088\u3046\u306a\u652f\u51fa\u304c\u63a7\u9664\u5bfe\u8c61\u3068\u306a\u308b\u306e\u304b\u3001\u3072\u3068\u3064\u305a\u3064\u898b\u3066\u3044\u304d\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u5f93\u696d\u54e1\u8caf\u84c4\u624b\u5f53\uff08Arbeitnehmer-Sparzulage\uff09<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f01\u696d\u306b\u3088\u3063\u3066\u306f\u798f\u5229\u539a\u751f\u3068\u3057\u3066\u793e\u54e1\u306e\u8caf\u84c4\u3092\u30b5\u30dd\u30fc\u30c8\u3059\u308b\u305f\u3081\u3001\u6bce\u6708\u4f1a\u793e\u304b\u3089\u4e00\u5b9a\u984d\u304c\u8caf\u84c4\u53e3\u5ea7\u306b\u632f\u308a\u8fbc\u307e\u308c\u307e\u3059\u3002\u3082\u3057\u8a72\u5f53\u3059\u308b\u5834\u5408\u306f\u3001\u63a7\u9664\u5bfe\u8c61\u3068\u306a\u308a\u307e\u3059\u306e\u3067\u899a\u3048\u3066\u304a\u304d\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u5e83\u544a\u8cbb\uff0fWerbungskosten<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5e83\u544a\u8cbb\u306f\u3001\u78ba\u5b9a\u7533\u544a\u3092\u3057\u306a\u3044\u5834\u5408\u3001\u81ea\u52d5\u7684\u306b\u8ab0\u306b\u5bfe\u3057\u3066\u30821.000\u30e6\u30fc\u30ed\u767a\u751f\u3057\u3066\u3044\u308b\u3068\u4eee\u5b9a\u3057\u3066\u7a0e\u52d9\u7f72\u306b\u8a08\u7b97\u3055\u308c\u307e\u3059\u3002\u3064\u307e\u308a\u3001\u4ee5\u4e0b\u306b\u7d39\u4ecb\u3059\u308b\u5404\u9805\u76ee\u306e\u5408\u8a08\u304c1.000\u30e6\u30fc\u30ed\u3092\u4e0a\u56de\u308c\u3070\u3001\u5b9f\u969b\u306e\u5e83\u544a\u8cbb\u304c\u7a0e\u52d9\u7f72\u306e\u8a66\u7b97\u984d\u3088\u308a\u591a\u3044\u3068\u3044\u3046\u3053\u3068\u3067\u3001\u7533\u544a\u984d\u3068\u306e\u5dee\u984d\u304c\u6240\u5f97\u304b\u3089\u63a7\u9664\u3055\u308c\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u4ea4\u901a\u8cbb\uff08\u79fb\u52d5\u8ddd\u96e2\u8a08\u7b97\uff09<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u5b9a\u671f\u306a\u3069\u306e\u4ea4\u901a\u8cbb<\/li>\n\n\n\n<li>\u516c\u5171\u4ea4\u901a\u6a5f\u95a2\u4ee5\u5916\u3067\u901a\u52e4\uff08\u8eca\u30fb\u81ea\u8ee2\u8eca\u30fb\u5f92\u6b69\u306a\u3069\uff09<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">\u81ea\u5b85\u304b\u3089\u8077\u5834\u307e\u3067\u306e\u6700\u77ed\u8ddd\u96e2 (A) x 0.3 \u20ac (B) x \u901a\u52e4\u65e5\u6570 (C)\u3067\u8a08\u7b97\u3057\u305f\u984d\u3092\u63a7\u9664\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u305f\u3060\u3057\u3001\u901a\u52e4\u65e5\u6570\u306f\u5e74\u9593\u306e\u52b4\u50cd\u65e5\u6570\u3067\u3059\u306e\u3067\u3001\u4f11\u6687\u3001\u795d\u65e5\u3001\u75c5\u4f11\u3084\u30db\u30fc\u30e0\u30aa\u30d5\u30a3\u30b9\u306e\u65e5\u6570\u3092\u8003\u616e\u3057\u306a\u3051\u308c\u3070\u306a\u308a\u307e\u305b\u3093\u3002\u3057\u304b\u3057\u3001\u9060\u304f\u306e\u30aa\u30d5\u30a3\u30b9\u3078\u901a\u3063\u3066\u3044\u308b\u4eba\u306b\u3068\u3063\u3066\u306f\u975e\u5e38\u306b\u5927\u304d\u306a\u30dd\u30a4\u30f3\u30c8\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/career-management.de\/jp\/wp-content\/uploads\/sites\/13\/2020\/10\/kuruma.png\"><img decoding=\"async\" src=\"https:\/\/career-management.de\/jp\/wp-content\/uploads\/sites\/13\/2020\/10\/kuruma-1024x671.png\" alt=\"\" class=\"wp-image-3813\" \/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\n<ol class=\"wp-block-list\">\n<li>\u81ea\u52d5\u8eca\u3068\u96fb\u8eca<\/li>\n<\/ol>\n<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">\u516c\u5171\u4ea4\u901a\u6a5f\u95a2\u3068\u81ea\u52d5\u8eca\u306a\u3069\u3001\u8907\u6570\u306e\u624b\u6bb5\u3067\u901a\u52e4\u3057\u3066\u3044\u308b\u5834\u5408\u3001\u624b\u6bb5\u3054\u3068\u306b\u5225\u3005\u306b\u7b97\u51fa\u3057\u3066\u5408\u8a08\u91d1\u984d\u3092\u7533\u544a\u3059\u308b\u306e\u304c\u5f97\u7b56\u3067\u3059\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/career-management.de\/jp\/wp-content\/uploads\/sites\/13\/2020\/10\/bike.png\"><img decoding=\"async\" src=\"https:\/\/career-management.de\/jp\/wp-content\/uploads\/sites\/13\/2020\/10\/bike-1024x671.png\" alt=\"\" class=\"wp-image-3814\" \/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5225\u3005\u3067\u7b97\u51fa\u3059\u308b\u3053\u3068\u306b\u306f\u610f\u5473\u304c\u3042\u308a\u307e\u3059\u3002\u7406\u7531\u306f\u3001\u79fb\u52d5\u8ddd\u96e2\u63a7\u9664\u306b\u306f4,500 \u20ac\u3068\u3044\u3046\u9650\u5ea6\u984d\u304c\u3042\u308b\u306e\u3067\u3059\u304c\u3001\u3053\u308c\u304c\u81ea\u52d5\u8eca\u3067\u306e\u79fb\u52d5\u8ddd\u96e2\u306b\u306f\u9069\u5fdc\u3055\u308c\u306a\u3044\u304b\u3089\u3067\u3059\u3002\u4f8b\u3048\u3070\u3001\u81ea\u52d5\u8eca\u3067\u306e\u63a7\u9664\u984d\u304c2,000 \u20ac\u3001\u96fb\u8eca\u304c5,000 \u20ac\u3060\u3068\u3057\u307e\u3059\u3002\u307e\u3068\u3081\u3066\u7533\u544a\u3059\u308b\u3068\u5408\u8a087,000 \u20ac\u3068\u306a\u308a\u30014,500 \u20ac\u3092\u8d85\u904e\u3059\u308b2,500 \u20ac\u306f\u7533\u544a\u3057\u3066\u3082\u63a7\u9664\u5bfe\u8c61\u304b\u3089\u5916\u308c\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u5225\u3005\u3067\u7533\u544a\u3059\u308c\u3070\u96fb\u8eca\u306e5,000 \u20ac\u306e\u307f\u306b\u9650\u5ea6\u984d\u304c\u8003\u616e\u3055\u308c\u3001\u63a7\u9664\u5bfe\u8c61\u5916\u3068\u306a\u308b\u306e\u304c500 \u20ac\u3060\u3051\u3067\u6e08\u307f\u307e\u3059\u3002<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u79fb\u52d5\u304c\u8457\u3057\u304f\u591a\u3044\u4eba\uff08\u4f8b\uff1a\u55b6\u696d\uff09<br>\u901a\u5e38\u306e\u901a\u52e4\u306f\u4e0a\u8ff0\u306e\u8a08\u7b97\u3068\u540c\u3058\u624b\u6cd5\u3067\u884c\u3044\u307e\u3059\u3002\u3055\u3089\u306b\u3001\u51fa\u5f35\u306a\u3069\u3067\u79fb\u52d5\u3057\u305f\u8ddd\u96e2\u3082\u540c\u3058\u624b\u6cd5\u3067\u8a08\u7b97\u3057\u3001\u5408\u8a08\u3059\u308b\u3053\u3068\u304c\u53ef\u80fd\u3067\u3059\u3002\u305f\u3060\u3057\u3001\u8eca\u3067\u306f\u306a\u304f\u30d0\u30a4\u30af\u306a\u3069\u3067\u79fb\u52d5\u3057\u305f\u5834\u5408\u306f\u30011km\u3042\u305f\u308a3 \u20ac\u3067\u306f\u306a\u304f0.2 \u20ac\u8a08\u7b97\u3068\u306a\u308a\u307e\u3059\u3002\u306a\u304a\u3001\u6cca\u307e\u308a\u3067\u306e\u51fa\u5f35\u3082\u79fb\u52d5\u8ddd\u96e2\u3068\u3057\u3066\u540c\u3058\u3088\u3046\u306b\u8a08\u7b97\u3057\u307e\u3057\u3087\u3046\u3002<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">\u4ed5\u4e8b\u306b\u5fc5\u8981\u306a\u7269<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u30aa\u30d5\u30a3\u30b9\u7528\u5177\u3001\u30b3\u30f3\u30d4\u30e5\u30fc\u30bf\u30fc\u3001\u96fb\u8a71\u3001\u30c7\u30b9\u30af\u306a\u3069\u3001\u4ed5\u4e8b\u306b\u5fc5\u8981\u306a\u7269\u3092\u81ea\u8cbb\u3067\u8cfc\u5165\u3057\u305f\u5834\u5408\u306f\u7533\u544a\u3059\u308b\u3053\u3068\u3067\u63a7\u9664\u3067\u304d\u307e\u3059\u3002\u305f\u3060\u3057\u3001\u79c1\u7528\u76ee\u7684\u3067\u306e\u5099\u54c1\u8cfc\u5165\u306f\u63a7\u9664\u5bfe\u8c61\u306b\u306a\u308a\u307e\u305b\u3093\u3002\u76ee\u5b89\u3068\u3057\u3066\u3001\u4ed5\u4e8b\u5916\u3067\u306e\u4f7f\u7528\u983b\u5ea6\u304c10%\u3092\u8d85\u3048\u308b\u5834\u5408\u306f\u3001\u7533\u544a\u4e0d\u53ef\u3068\u306a\u308a\u307e\u3059\u3002\u306a\u304a\u3001\u5099\u54c1\u306e\u691c\u67fb\u3001\u30af\u30ea\u30fc\u30cb\u30f3\u30b0\u3001\u4f5c\u696d\u7740\u306a\u3069\u3082\u63a7\u9664\u5bfe\u8c61\u3067\u3059\u3002\u7a0e\u52d9\u7f72\u306b\u3088\u308a\u7570\u306a\u308a\u307e\u3059\u304c\u3001110 \u20ac\u307e\u3067\u306f\u8a3c\u62e0\u66f8\u985e\u306e\u63d0\u51fa\u306a\u3057\u3067\u3082\u554f\u984c\u306a\u3044\u306e\u304c\u4e00\u822c\u7684\u3067\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u643a\u5e2f\u96fb\u8a71\u3068\u30a4\u30f3\u30bf\u30fc\u30cd\u30c3\u30c8<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u3053\u3061\u3089\u3082\u4ed5\u4e8b\u76ee\u7684\u3067\u4f7f\u7528\u3057\u305f\u5834\u5408\u306f\u7533\u544a\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u30b1\u30fc\u30b9\u306b\u5206\u3051\u3066\u898b\u3066\u3044\u304d\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\n<ul class=\"wp-block-list\">\n<li>\u30b1\u30fc\u30b9\u2460\u3000\u88ab\u96c7\u7528\u8005\u3067\u3001\u79c1\u7528\u306e\u643a\u5e2f\u3092\u4ed5\u4e8b\u3067\u3082\u4f7f\u3046<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u57fa\u672c\u7684\u306b\u7a0e\u52d9\u7f72\u304c\u300e\u652f\u6255\u91d1\u984d\u306e20%\u304c\u4ed5\u4e8b\u76ee\u7684\u300f\u3092\u524d\u63d0\u306b\u8a08\u7b97\u3057\u307e\u3059\u3002\u5834\u5408\u306b\u3088\u3063\u3066\u306f\u6bce\u6708\u6700\u592720\u20ac\u307e\u3067\u3092\u5e83\u544a\u8cbb\u3068\u3057\u3066\u63a7\u9664\u3055\u308c\u308b\u3067\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\n<ul class=\"wp-block-list\">\n<li>\u30b1\u30fc\u30b9\u2461\u3000\u30d5\u30ea\u30fc\u30e9\u30f3\u30b5\u30fc\u3067\u3001\u643a\u5e2f\u3092\u79c1\u7528\u3068\u696d\u52d9\u3067\u517c\u7528\u3059\u308b<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u696d\u52d9\u76ee\u7684\u3067\u306e\u4f7f\u7528\u304c\u5168\u4f53\u306e10%\u4ee5\u4e0a\u3067\u3042\u308c\u3070\u3001\u7533\u544a\u53ef\u80fd\u3067\u3059\u3002\u696d\u52d9\u76ee\u7684\u304c90%\u4ee5\u4e0a\u306e\u5834\u5408\u306f\u5168\u984d\u304c\u63a7\u9664\u306b\u306a\u308a\u307e\u3059\u3002<br>\u3053\u3053\u3067\u6ce8\u610f\u3059\u3079\u304d\u70b9\u306f\u3001\u4f8b\u3048\u307050%\u306a\u3069\u3001\u4ed5\u4e8b\u76ee\u7684\u3067\u306e\u4f7f\u7528\u304c\u5727\u5012\u7684\u306b\u591a\u304f\u3001\u305d\u308c\u3092\u63a7\u9664\u3057\u305f\u3044\u5834\u5408\u306f\u3001\u8a3c\u62e0\u63d0\u51fa\u304c\u8981\u6c42\u3055\u308c\u308b\u3053\u3068\u3067\u3059\u3002\u4e00\u3064\u3072\u3068\u3064\u306e\u901a\u8a71\u5c65\u6b74\u3001\u30cd\u30c3\u30c8\u4f7f\u7528\u5c65\u6b74\u3067\u4ed5\u4e8b\u7528\u3068\u30d7\u30e9\u30a4\u30d9\u30fc\u30c8\u7528\u3067\u8b58\u5225\u3067\u304d\u308b\u3088\u3046\u306a\u8a3c\u62e0\u3092\u63d0\u51fa\u3057\u306a\u3051\u308c\u3070\u306a\u308a\u307e\u305b\u3093\u304c\u3001\u3042\u307e\u308a\u73fe\u5b9f\u7684\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u5f15\u3063\u8d8a\u3057<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5c31\u8077\u3084\u8ee2\u52e4\u3067\u306e\u5f15\u3063\u8d8a\u3057\u3001\u901a\u52e4\u6642\u9593\u304c1\u65e5\u3067\u6700\u4f4e1\u6642\u9593\u77ed\u7e2e\u3055\u308c\u308b\u5f15\u3063\u8d8a\u3057\u3001\u75c5\u6c17\u304c\u7406\u7531\u306b\u3088\u308b\u5f15\u3063\u8d8a\u3057\u306f\u3001\u7533\u544a\u5bfe\u8c61\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5bb6\u63a2\u3057\u306e\u79fb\u52d5\u8ddd\u96e2 x 0.3 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class=\"wp-block-paragraph\">\u3053\u308c\u3089\u306f\u9818\u53ce\u66f8\u3092\u63d0\u51fa\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u305d\u306e\u4ed6\u3001\u8a3c\u62e0\u63d0\u51fa\u4e0d\u8981\u306e\u7533\u544a\u53ef\u80fd\u9805\u76ee\u3092\u4ee5\u4e0b\u306b\u7d39\u4ecb\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u65e7\u4f4f\u5c45\u306e\u30ea\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u30fb\u6383\u9664\u8cbb\u7528<\/li>\n\n\n\n<li>\u30ab\u30fc\u30c6\u30f3\u306e\u53d6\u308a\u63db\u3048\u8cbb\u7528<\/li>\n\n\n\n<li>\u696d\u8005\u306b\u3088\u308b\u30e9\u30f3\u30d7\u306e\u53d6\u308a\u4ed8\u3051\u8cbb\u7528<\/li>\n\n\n\n<li>\u30ad\u30c3\u30c1\u30f3\u3084\u5bb6\u96fb\u88fd\u54c1\u306e\u8a2d\u7f6e\u8cbb\u7528<\/li>\n\n\n\n<li>\u4f4f\u6c11\u767b\u9332\u306e\u624b\u6570\u6599<\/li>\n\n\n\n<li>\u8eab\u5206\u8a3c\u660e\u66f8\u306e\u4f4f\u6240\u5909\u66f4\u6599<\/li>\n\n\n\n<li>\u96fb\u8a71\u306e\u5f15\u3063\u8d8a\u3057\u8cbb\u7528<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u3053\u308c\u3089\u306e\u652f\u51fa\u306f\u3001\u9805\u76ee\u3068\u5408\u8a08\u91d1\u984d\u3092\u7533\u544a\u3059\u308b\u3060\u3051\u3067\u3001\u5404\u9818\u53ce\u66f8\u306e\u63d0\u51fa\u306f\u4e0d\u8981\u3067\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u4fdd\u967a\u6599<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u7fa9\u52d9\u3068\u3055\u308c\u3066\u3044\u308b\u5e74\u91d1\u4fdd\u967a\u3084\u4ecb\u8b77\u4fdd\u967a\u3060\u3051\u3067\u306a\u304f\u3001\u305d\u306e\u4ed6\u306e\u81ea\u4e3b\u7684\u306a\u4fdd\u967a\u306b\u52a0\u5165\u3057\u3066\u3044\u308b\u4eba\u306f\u3001\u305d\u308c\u3089\u3082\u7533\u544a\u53ef\u80fd\u3067\u3059\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u81ea\u8ce0\u8cac\u4fdd\u967a\uff08Haftpflichtversicherung\uff09<\/li>\n\n\n\n<li>\u81ea\u52d5\u8eca\u8ce0\u511f\u8cac\u4efb\u4fdd\u967a\uff08Kfz-Haftpflichtversicherung\uff09<\/li>\n\n\n\n<li>\u4e8b\u6545\u4fdd\u967a\uff08Unfallversicherung\uff09<\/li>\n\n\n\n<li>\u6b6f\u79d1\u4fdd\u967a\uff08Zahnzusatzversicherung\uff09<\/li>\n\n\n\n<li>\u30ea\u30b9\u30af\u751f\u547d\u4fdd\u967a\uff08Risikolebensversicherung\uff09<\/li>\n\n\n\n<li>\u5f01\u8b77\u58eb\u4fdd\u967a\u6599\u306e\u4e00\u90e8\uff08Rechtsschutzversicherung\uff09<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u5e74\u91d1\u3084\u5931\u696d\u4fdd\u967a\u4ee5\u5916\u306b\u3082\u4e0a\u8ff0\u3057\u305f\u4fdd\u967a\u306b\u52a0\u5165\u3057\u3066\u3044\u308b\u65b9\u306f\u5c11\u306a\u304f\u3042\u308a\u307e\u305b\u3093\u3002\u305d\u308c\u3089\u306e\u30b3\u30b9\u30c8\u3092\u7533\u544a\u3059\u308b\u3060\u3051\u3067\u3001\u8fd4\u91d1\u984d\u304c\u683c\u6bb5\u306b\u4e0a\u304c\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u305d\u306e\u4ed6\u306e\u8ca0\u62c5\uff08Au\u00dfergew\u00f6hnliche Belastung\uff09<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u57fa\u790e\u7684\u306a\u7533\u544a\u3092\u7d39\u4ecb\u3057\u3066\u304d\u307e\u3057\u305f\u304c\u3001\u6700\u5f8c\u306b\u300e\u305d\u306e\u4ed6\u306e\u8ca0\u62c5\u300f\u3068\u3057\u3066\u7533\u544a\u53ef\u80fd\u306a\u9805\u76ee\u3092\u7d39\u4ecb\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u533b\u7642\u8cbb\u30fb\u533b\u85ac\u54c1\uff08\u5165\u9662\u3084\u85ac\u4ee3\u306e\u81ea\u5df1\u8ca0\u62c5\u5206\uff09<\/li>\n\n\n\n<li>\u901a\u9662\u4ea4\u901a\u8cbb\uff08\u901a\u52e4\u306e\u8a08\u7b97\u3068\u540c\u3058\uff09<\/li>\n\n\n\n<li>\u30b3\u30f3\u30bf\u30af\u30c8\u53ca\u3073\u773c\u93e1<\/li>\n\n\n\n<li>\u8a34\u8a1f\u8cbb\u7528<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u7d30\u304b\u304f\u898b\u308b\u3068\u63a7\u9664\u5bfe\u8c61\u9805\u76ee\u306f\u975e\u5e38\u306b\u5965\u6df1\u304f\u3001\u5168\u3066\u3092\u7406\u89e3\u3057\u3066\u7533\u544a\u3059\u308b\u306e\u306f\u7a0e\u7406\u58eb\u3067\u306a\u3044\u9650\u308a\u96e3\u3057\u3044\u3067\u3059\u304c\u3001\u4eca\u56de\u89e6\u308c\u305f\u9805\u76ee\u3067\u652f\u51fa\u304c\u591a\u3044\u3068\u601d\u3046\u3068\u3053\u308d\u3092\u7533\u544a\u3057\u3066\u307f\u308b\u3068\u3001\u7a0e\u52d9\u7f72\u304b\u3089\u8fd4\u91d1\u304c\u3042\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n\n\n\n<div style=\"border: 2px solid #e5e5e5;border-left: 6px solid #0066cc;background-color: #f4faff;padding: 20px;font-family: sans-serif;color: #333;line-height: 1.6;max-width: 700px;margin: 20px auto;border-radius: 8px\">\n  <div style=\"color: #0066cc;font-size: 1.2em;font-weight: bold;margin-bottom: 1em\">\n   \u30c9\u30a4\u30c4\u56fd\u5185\u3067\u8ee2\u8077\u3092\u8003\u3048\u3066\u307f\u307e\u305b\u3093\u304b\uff1f\n  <\/div>\n  <p style=\"margin-bottom: 1em;font-size: 0.95em\">\n    \u65e5\u672c\u3068\u306e\u95a2\u4fc2\u3092\u6d3b\u304b\u3057\u305f\u3044\u3001<br>\n    \u6298\u89d2\u30c9\u30a4\u30c4\u4f01\u696d\u306b\u5c31\u8077\u3057\u305f\u306e\u306b\u7d66\u6599\u304c\u4e0a\u304c\u3089\u306a\u3044\u30fb\u30fb\n  <\/p>\n  <p style=\"margin-bottom: 1em;font-size: 0.95em\">\n    \u30c9\u30a4\u30c4\u5185600\u793e\u3068\u306e\u53d6\u5f15\u5b9f\u7e3e\u3092\u6301\u3064\u5f0a\u793e\u306f\u3001\u5c31\u8077\u30b5\u30a4\u30c8\u306b\u51fa\u56de\u3089\u306a\u3044<strong style=\"color: #0066cc\">\u65e5\u672c\u4eba\u5411\u3051\u306e\u975e\u516c\u958b\u6c42\u4eba<\/strong>\u3092\u591a\u6570\u4fdd\u6709\u3057\u3066\u3044\u307e\u3059\u3002\n  <\/p>\n  <p style=\"margin-bottom: 1.2em;font-size: 0.95em\">\n    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