{"id":37787,"date":"2026-05-04T09:27:16","date_gmt":"2026-05-04T08:27:16","guid":{"rendered":"https:\/\/www.bramex.de\/ro\/?page_id=37787"},"modified":"2026-05-13T08:27:37","modified_gmt":"2026-05-13T07:27:37","slug":"vermogenswirksame-leistungen-plan-economii-germania","status":"publish","type":"page","link":"https:\/\/www.bramex.de\/ro\/vermogenswirksame-leistungen-plan-economii-germania\/","title":{"rendered":"Verm\u00f6genswirksame Leistungen: Plan de Economii Finan\u021bat de Angajatorul T\u0103u \u00een Germania"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"37787\" class=\"elementor elementor-37787 elementor-37770\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5282e43 e-con-full e-flex e-con e-parent\" data-id=\"5282e43\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b90b033 elementor-widget elementor-widget-html\" data-id=\"b90b033\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<section class=\"brx-service-hero\">\n  <div class=\"brx-service-hero__media\" style=\"background-image:url('https:\/\/www.bramex.de\/wp-content\/uploads\/2022\/10\/16.png'); background-size:cover; background-position:center;\">\n    <div class=\"brx-service-hero__container\">\n      <div class=\"brx-service-hero__inner\">\n        <div class=\"brx-service-hero__card\">\n          <span class=\"brx-service-hero__eyebrow\">VERM\u00d6GENSWIRKSAME LEISTUNGEN \u00b7 GERMANIA<\/span>\n          <h1 class=\"brx-service-hero__title\">Profit\u0103 de Verm\u00f6genswirksame Leistungen \u0219i creeaz\u0103-\u021bi planul de economii<\/h1>\n          <p class=\"brx-service-hero__text\">Angajatorul t\u0103u poate pl\u0103ti p\u00e2n\u0103 la 40\u20ac pe lun\u0103 \u00eentr-un plan de economii pe l\u00e2ng\u0103 salariul t\u0103u. Te ajut\u0103m s\u0103 \u00een\u021belegi cum func\u021bioneaz\u0103 \u0219i s\u0103 gestion\u0103m totul gratuit \u00een limba ta.<\/p>\n          <div class=\"brx-service-hero__actions\">\n            <a href=\"https:\/\/www.bramex.de\/formulario-plan-inversion-costeado-por-mi-empresa\/\" class=\"brx-btn brx-btn--yellow\">Solicit\u0103 mai multe informa\u021bii<\/a>\n            <a href=\"https:\/\/www.bramex.de\/ro\/contact-bramex\/\" class=\"brx-btn brx-btn--white\">Vorbe\u0219te cu un consilier<\/a>\n          <\/div>\n          <p class=\"brx-service-hero__note\"><strong>Consultan\u021b\u0103 gratuit\u0103<\/strong> \u00b7 \u00ce\u021bi explic\u0103m cum s\u0103 profi\u021bi de contribu\u021biile angajatorului<\/p>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-section\">\n  <div class=\"brx-container\">\n    <div class=\"brx-vl-intro\">\n      <div class=\"brx-vl-intro__content\">\n        <h2 class=\"brx-section-title\">Ce sunt Verm\u00f6genswirksame Leistungen (VL)?<\/h2>\n        <p><strong>Verm\u00f6genswirksame Leistungen<\/strong> (cunoscute \u0219i ca <strong>VL<\/strong> sau <strong>VwL<\/strong>) sunt un beneficiu suplimentar pe care unii angajatori \u00eel pl\u0103tesc angaja\u021bilor lor pe l\u00e2ng\u0103 salariul obi\u0219nuit. Pot fi traduse ca <em>presta\u021bii de constituire a patrimoniului<\/em>.<\/p>\n        <p>Angajatorul t\u0103u transfer\u0103 aceast\u0103 sum\u0103 direct \u00eentr-un <strong>plan de economii<\/strong> pe numele t\u0103u, p\u00e2n\u0103 la maximum <strong>40\u20ac pe lun\u0103<\/strong>. Ace\u0219ti bani nu \u00ee\u021bi reduc salariul net sau brut \u2014 este o plat\u0103 suplimentar\u0103 efectuat\u0103 de angajatorul t\u0103u peste salariul t\u0103u.<\/p>\n        <div class=\"brx-vl-alert\">\n          <div class=\"brx-vl-alert__icon\">\u26a0\ufe0f<\/div>\n          <p class=\"brx-vl-alert__text\"><strong>Important:<\/strong> acest beneficiu nu se activeaz\u0103 automat. Trebuie s\u0103 prezin\u021bi un plan de economii angajatorului t\u0103u. Dac\u0103 nu o faci, pierzi ace\u0219ti bani \u00een fiecare lun\u0103.<\/p>\n        <\/div>\n      <\/div>\n      <div class=\"brx-vl-intro__img\">\n        <img decoding=\"async\" src=\"https:\/\/www.bramex.de\/wp-content\/uploads\/2022\/11\/que-es-vermogenswirksame-Leistung.png\" alt=\"Ce este Verm\u00f6genswirksame Leistung\" loading=\"lazy\">\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-section brx-bg-soft\">\n  <div class=\"brx-container\">\n    <h2 class=\"brx-section-title brx-section-title--center\">Cum func\u021bioneaz\u0103 pas cu pas?<\/h2>\n    <p class=\"brx-section-text brx-section-text--center\" style=\"margin-bottom:48px;\">Procesul este simplu. Te ghid\u0103m la fiecare pas.<\/p>\n    <div class=\"brx-vl-steps\">\n      <div class=\"brx-vl-step\">\n        <div class=\"brx-vl-step__num\">1<\/div>\n        <h3 class=\"brx-vl-step__title\">Verific\u0103 contractul de munc\u0103<\/h3>\n        <p class=\"brx-vl-step__text\">Caut\u0103 cuvintele <strong>verm\u00f6genswirksame Leistungen<\/strong>, <strong>VL<\/strong> sau <strong>VwL<\/strong> \u00een contractul t\u0103u. Dac\u0103 apar, angajatorul t\u0103u poate pl\u0103ti acest beneficiu. Suma va fi indicat\u0103 tot acolo.<\/p>\n      <\/div>\n      <div class=\"brx-vl-step\">\n        <div class=\"brx-vl-step__num\">2<\/div>\n        <h3 class=\"brx-vl-step__title\">Alege un plan de economii<\/h3>\n        <p class=\"brx-vl-step__text\">Te ajut\u0103m s\u0103 alegi planul de economii cel mai potrivit pentru tine. Suntem afilia\u021bi celor mai bune companii de economii din Germania \u0219i acces\u0103m rapid diferitele oferte disponibile.<\/p>\n      <\/div>\n      <div class=\"brx-vl-step\">\n        <div class=\"brx-vl-step__num\">3<\/div>\n        <h3 class=\"brx-vl-step__title\">Prezint\u0103 planul angajatorului<\/h3>\n        <p class=\"brx-vl-step__text\">Prezin\u021bi planul de economii departamentului de resurse umane al companiei tale. Te ajut\u0103m cu documenta\u021bia pentru a nu avea probleme cu limba.<\/p>\n      <\/div>\n      <div class=\"brx-vl-step\">\n        <div class=\"brx-vl-step__num\">4<\/div>\n        <h3 class=\"brx-vl-step__title\">Angajatorul transfer\u0103 banii<\/h3>\n        <p class=\"brx-vl-step__text\">\u00cen fiecare lun\u0103, angajatorul t\u0103u transfer\u0103 suma indicat\u0103 \u00een contract direct \u00een planul de economii \u2014 p\u00e2n\u0103 la maximum 40\u20ac\/lun\u0103. Salariul t\u0103u nu este afectat.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-section\">\n  <div class=\"brx-container\">\n    <div class=\"brx-vl-highlight\">\n      <div class=\"brx-vl-highlight__img\">\n        <img decoding=\"async\" src=\"https:\/\/www.bramex.de\/wp-content\/uploads\/2021\/02\/exito.png\" alt=\"Plan de economii VL \u00een Germania\" loading=\"lazy\">\n      <\/div>\n      <div class=\"brx-vl-highlight__content\">\n        <blockquote class=\"brx-vl-quote\">\n          <p>\"Succesul vine atunci c\u00e2nd visele tale sunt mai mari dec\u00e2t scuzele tale.\"<\/p>\n        <\/blockquote>\n        <h2>Vei putea accesa banii depu\u0219i oric\u00e2nd<\/h2>\n        <p>Banii acumula\u021bi \u00een planul t\u0103u de economii \u00ee\u021bi apar\u021bin. Po\u021bi retrage activele oric\u00e2nd ai nevoie, de\u0219i re\u021bine c\u0103 pot fi aplicate impozite acelei sume.<\/p>\n        <p>Dac\u0103 pleci din Germania, po\u021bi vinde activele \u0219i transfera suma direct \u00een contul t\u0103u bancar.<\/p>\n        <p>Te putem consilia \u00een alegerea celui mai potrivit plan de economii \u0219i te ghid\u0103m prin \u00eentregul proces. <strong>Serviciul este complet gratuit.<\/strong><\/p>\n        <a href=\"https:\/\/www.bramex.de\/formulario-plan-inversion-costeado-por-mi-empresa\/\" class=\"brx-btn brx-btn--navy\" style=\"margin-top:8px; display:inline-block;\">Solicit\u0103 consultan\u021b\u0103 gratuit\u0103<\/a>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-section brx-bg-soft\">\n  <div class=\"brx-container\">\n    <h2 class=\"brx-section-title brx-section-title--center\">\u00centreb\u0103ri frecvente despre Verm\u00f6genswirksame Leistungen<\/h2>\n    <div class=\"brx-gkv-faq\">\n\n      <details class=\"brx-gkv-faq__item\">\n        <summary class=\"brx-gkv-faq__question\">Cum \u0219tiu dac\u0103 angajatorul meu pl\u0103te\u0219te acest beneficiu?<\/summary>\n        <div class=\"brx-gkv-faq__answer\">\n          <p>Dac\u0103 angajatorul t\u0103u ofer\u0103 acest beneficiu, <strong>trebuie s\u0103 apar\u0103 \u00een contractul t\u0103u de munc\u0103<\/strong>. Caut\u0103 cuvintele <em>verm\u00f6genswirksame Leistungen<\/em>, <strong>VL<\/strong> sau <strong>VwL<\/strong>. Dac\u0103 le g\u0103se\u0219ti, angajatorul t\u0103u poate pl\u0103ti acest beneficiu \u00eentr-un plan de economii. Contacteaz\u0103-ne \u0219i te sf\u0103tuim gratuit.<\/p>\n        <\/div>\n      <\/details>\n\n      <details class=\"brx-gkv-faq__item\">\n        <summary class=\"brx-gkv-faq__question\">C\u00e2t transfer\u0103 angajatorul meu \u00een planul de economii?<\/summary>\n        <div class=\"brx-gkv-faq__answer\">\n          <p>Suma este specificat\u0103 \u00een contractul t\u0103u de munc\u0103, acolo unde apar cuvintele <em>verm\u00f6genswirksame Leistungen<\/em>. <strong>De obicei variaz\u0103 \u00eentre 24 \u0219i 40 de euro pe lun\u0103.<\/strong> Acea sum\u0103 este pl\u0103tit\u0103 \u00een planul de economii \u00een fiecare lun\u0103 c\u00e2t timp lucrezi la companie.<\/p>\n        <\/div>\n      <\/details>\n\n      <details class=\"brx-gkv-faq__item\">\n        <summary class=\"brx-gkv-faq__question\">\u00cemi reduce aceast\u0103 sum\u0103 salariul net sau brut?<\/summary>\n        <div class=\"brx-gkv-faq__answer\">\n          <p>Nu. <strong>Salariul t\u0103u nu este afectat deloc.<\/strong> Verm\u00f6genswirksame Leistungen sunt o plat\u0103 suplimentar\u0103 efectuat\u0103 de angajatorul t\u0103u peste salariul obi\u0219nuit.<\/p>\n        <\/div>\n      <\/details>\n\n      <details class=\"brx-gkv-faq__item\">\n        <summary class=\"brx-gkv-faq__question\">Primesc ace\u0219ti bani automat odat\u0103 cu salariul?<\/summary>\n        <div class=\"brx-gkv-faq__answer\">\n          <p>Nu. Pentru a primi acest beneficiu trebuie s\u0103 faci dou\u0103 lucruri: \u00een primul r\u00e2nd, s\u0103 prezin\u021bi un plan de economii angajatorului. \u00cen al doilea r\u00e2nd, suma nu este pl\u0103tit\u0103 \u00een contul t\u0103u bancar, ci \u00een acel plan de economii. F\u0103r\u0103 plan de economii, nu prime\u0219ti nimic.<\/p>\n        <\/div>\n      <\/details>\n\n      <details class=\"brx-gkv-faq__item\">\n        <summary class=\"brx-gkv-faq__question\">C\u00e2t timp voi primi acest beneficiu?<\/summary>\n        <div class=\"brx-gkv-faq__answer\">\n          <p>De obicei prime\u0219ti acest beneficiu c\u00e2t timp lucrezi la companie. Dac\u0103 schimbi locul de munc\u0103, trebuie s\u0103 prezin\u021bi un nou plan de economii noului angajator, dac\u0103 acesta ofer\u0103 \u0219i el beneficiul.<\/p>\n        <\/div>\n      <\/details>\n\n      <details class=\"brx-gkv-faq__item\">\n        <summary class=\"brx-gkv-faq__question\">Pot retrage banii din planul de economii?<\/summary>\n        <div class=\"brx-gkv-faq__answer\">\n          <p>Da. Po\u021bi retrage activele acumulate \u00een planul t\u0103u de economii. Re\u021bine c\u0103 pot fi aplicate impozite acelei sume \u00een func\u021bie de momentul retragerii.<\/p>\n        <\/div>\n      <\/details>\n\n      <details class=\"brx-gkv-faq__item\">\n        <summary class=\"brx-gkv-faq__question\">Plec din Germania. Ce se \u00eent\u00e2mpl\u0103 cu banii din plan?<\/summary>\n        <div class=\"brx-gkv-faq__answer\">\n          <p>Po\u021bi vinde activele planului de economii \u0219i <strong>transfera banii direct \u00een contul t\u0103u bancar<\/strong>, indiferent de \u021bara \u00een care te afli.<\/p>\n        <\/div>\n      <\/details>\n\n      <details class=\"brx-gkv-faq__item\">\n        <summary class=\"brx-gkv-faq__question\">Ce se \u00eent\u00e2mpl\u0103 dac\u0103 am VL \u00een contract dar nu l-am solicitat niciodat\u0103?<\/summary>\n        <div class=\"brx-gkv-faq__answer\">\n          <p>Dac\u0103 nu prezin\u021bi un plan de economii angajatorului, <strong>ace\u0219ti bani nu \u00ee\u021bi vor fi pl\u0103ti\u021bi \u0219i \u00eei vei pierde \u00een fiecare lun\u0103<\/strong>. Este un beneficiu la care ai dreptul dar trebuie s\u0103 \u00eel activezi tu \u00eensu\u021bi. Te putem ajuta s\u0103 o faci gratuit.<\/p>\n        <\/div>\n      <\/details>\n\n    <\/div>\n  <\/div>\n<\/section>\n\n<section class=\"brx-section\">\n  <div class=\"brx-container\">\n    <div class=\"brx-mini-cta\">\n      <h2 class=\"brx-mini-cta__title\">Ai Verm\u00f6genswirksame Leistungen \u00een contractul t\u0103u?<\/h2>\n      <p class=\"brx-mini-cta__text\">Completeaz\u0103 formularul \u0219i verific\u0103m dac\u0103 po\u021bi accesa acest beneficiu. Te sf\u0103tuim gratuit ce pa\u0219i s\u0103 urmezi pentru a \u00eencepe s\u0103 prime\u0219ti ace\u0219ti bani \u00een fiecare lun\u0103.<\/p>\n      <div class=\"brx-mini-cta__actions\">\n        <a href=\"https:\/\/www.bramex.de\/formulario-plan-inversion-costeado-por-mi-empresa\/\" class=\"brx-btn brx-btn--navy\">Solicit\u0103 informa\u021bii gratuite<\/a>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n<style>\n.brx-vl-intro{display:grid;grid-template-columns:1fr 380px;gap:48px;align-items:center;}\n.brx-vl-intro__img img{width:100%;border-radius:20px;object-fit:contain;}\n.brx-vl-alert{display:flex;align-items:flex-start;gap:14px;padding:20px 24px;background:#fff8e6;border-left:4px solid #ffb905;border-radius:0 14px 14px 0;margin-top:24px;}\n.brx-vl-alert__icon{font-size:22px;min-width:28px;}\n.brx-vl-alert__text{font-size:15px;line-height:1.6;color:#1c244b;margin:0;}\n.brx-vl-steps{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;}\n.brx-vl-step{padding:28px 22px;background:#ffffff;border-radius:18px;box-shadow:0 4px 16px rgba(0,0,0,0.05);}\n.brx-vl-step__num{width:52px;height:52px;border-radius:50%;background:#1c244b;color:#ffffff;font-size:22px;font-weight:700;line-height:52px;text-align:center;margin:0 0 16px 0;}\n.brx-vl-step__title{font-size:16px;font-weight:700;color:#1c244b;margin:0 0 10px 0;line-height:1.3;}\n.brx-vl-step__text{font-size:14px;line-height:1.6;color:#595757;margin:0;}\n.brx-vl-highlight{display:grid;grid-template-columns:340px 1fr;gap:48px;align-items:center;padding:40px;background:#f7f8fb;border-radius:24px;}\n.brx-vl-highlight__img img{width:100%;border-radius:16px;object-fit:contain;}\n.brx-vl-highlight__content h2{font-size:22px;font-weight:700;color:#1c244b;margin:0 0 14px 0;line-height:1.2;}\n.brx-vl-highlight__content p{font-size:15px;line-height:1.7;color:#595757;margin:0 0 12px 0;}\n.brx-vl-quote{margin:0 0 24px 0;padding:20px 24px;background:#ffffff;border-left:4px solid #ffb905;border-radius:0 14px 14px 0;box-shadow:0 4px 14px rgba(0,0,0,0.05);}\n.brx-vl-quote p{font-size:17px;font-style:italic;color:#1c244b;margin:0;line-height:1.5;}\n.brx-gkv-faq{max-width:860px;margin:40px auto 0 auto;display:grid;gap:12px;}\n.brx-gkv-faq__item{border:1px solid #e0e4f0;border-radius:14px;background:#ffffff;overflow:hidden;}\n.brx-gkv-faq__question{display:flex;align-items:center;justify-content:space-between;padding:20px 24px;font-size:16px;font-weight:600;color:#1c244b;cursor:pointer;list-style:none;font-family:\"Poppins\",sans-serif;}\n.brx-gkv-faq__question::-webkit-details-marker{display:none;}\n.brx-gkv-faq__question::after{content:\"\uff0b\";font-size:20px;font-weight:400;color:#ffb905;min-width:24px;text-align:right;}\n.brx-gkv-faq__item[open] .brx-gkv-faq__question::after{content:\"\u2212\";}\n.brx-gkv-faq__answer{padding:0 24px 20px 24px;font-size:15px;line-height:1.7;color:#595757;}\n.brx-gkv-faq__answer p{margin:0 0 10px 0;}\n@media(max-width:1024px){\n  .brx-vl-intro{grid-template-columns:1fr;}\n  .brx-vl-steps{grid-template-columns:repeat(2,1fr);}\n  .brx-vl-highlight{grid-template-columns:1fr;}\n}\n@media(max-width:767px){\n  .brx-vl-steps{grid-template-columns:1fr;gap:14px;}\n  .brx-vl-highlight{padding:24px;}\n  .brx-gkv-faq__question{font-size:15px;padding:16px 18px;}\n  .brx-gkv-faq__answer{padding:0 18px 16px 18px;}\n}\n<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>VERM\u00d6GENSWIRKSAME LEISTUNGEN \u00b7 GERMANIA Profit\u0103 de Verm\u00f6genswirksame Leistungen \u0219i creeaz\u0103-\u021bi planul de economii Angajatorul t\u0103u poate pl\u0103ti p\u00e2n\u0103 la 40\u20ac pe lun\u0103 \u00eentr-un plan de economii pe l\u00e2ng\u0103 salariul t\u0103u. Te ajut\u0103m s\u0103 \u00een\u021belegi cum func\u021bioneaz\u0103 \u0219i s\u0103 gestion\u0103m totul gratuit \u00een limba ta. Solicit\u0103 mai multe informa\u021bii Vorbe\u0219te cu un consilier Consultan\u021b\u0103 gratuit\u0103 \u00b7 &#8230; <a title=\"Verm\u00f6genswirksame Leistungen: Plan de Economii Finan\u021bat de Angajatorul T\u0103u \u00een Germania\" class=\"read-more\" href=\"https:\/\/www.bramex.de\/ro\/vermogenswirksame-leistungen-plan-economii-germania\/\" aria-label=\"Cite\u0219te mai multe despre Verm\u00f6genswirksame Leistungen: Plan de Economii Finan\u021bat de Angajatorul T\u0103u \u00een Germania\">Cite\u0219te mai mult<\/a><\/p>\n","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-37787","page","type-page","status-publish"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Verm\u00f6genswirksame Leistungen \u00een Germania | Plan Economii<\/title>\n<meta name=\"description\" content=\"Ai VL \u00een contractul de munc\u0103 din Germania? 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