攝於cienfuegos的大街。
那天到達cienfuegos後，整頓行李後我們便到大街的銀行兌換cuc。
古巴的銀行很有古巴特色。就算銀行內的顧客不多，亦會實施人流管制，顧客往往需要在銀行外排隊等候進內。我們等候了約5-10分鐘，便順利進入銀行。然後，有一個坐在大門旁的職員問我們需要什麼服務，我們...
攝於cienfuegos的大街。
那天到達cienfuegos後，整頓行李後我們便到大街的銀行兌換cuc。
古巴的銀行很有古巴特色。就算銀行內的顧客不多，亦會實施人流管制，顧客往往需要在銀行外排隊等候進內。我們等候了約5-10分鐘，便順利進入銀行。然後，有一個坐在大門旁的職員問我們需要什麼服務，我們回答後，她就安排我們到椅子上坐下。當時，（連同我倆在內）銀行內只有8位顧客，但卻有約30位員工，而同時只有3個櫃位開放給顧客排隊等候服務，難怪其他櫃位的員工看上去都好像有點空閒啊。當中，我看見有一位員工印了一疊很厚的文件，然後面帶笑容的看了看第一頁，並表現出很滿意的樣子，一秒後，她就把整份文件往垃圾桶處掉去；接着她又再次印了一份文件，很滿意的看了一秒，她又把文件往垃圾桶處掉去。
我在想，古巴這個共產的國家，政府向人民提供生活所需(雖然所提供的好像不足夠)，社會不會有太多有錢人需要存款，亦沒有商業活動需要借款，因此銀行體系不會像其他資本主義國家的發達，所以銀行裏的員工都應該不太忙碌啊，哈哈哈。
Photo taken in the street of Cienfuegos.
After arriving Cienfuegos, we went to a local bank in the main street to exchange for CUC.
Cuban banks are very Cuban style. Although there are not many customers inside the bank, there is traffic control outside the bank. Luckily, we did not line up for too long (about 5-10 minutes). As we entered into the bank, a staff sitting next to the door asked us what kind of banking service we need and assigned seats to us. At that time, there were only eight customers (including us) but with around 30 staff (and only three counters were functioning). Hence, you can image that all other staff was very free. Among them, a staff printed a thick stack of documents, and then reviewed the first page with smile and satisfaction for 1 second. Then she threw the entire document into rubbish bin. After that, she continued to print a document, and threw it to the rubbish bin in 1 second.
As a communist country, the government provides people with necessities (although the provision does not seem enough). There would be neither too many wealthy people in the community who need deposit services, nor any businessmen who need to make loan. Hence, the banking system should be underdevelopment and the staff in the bank should not be too busy. Lol
provision銀行 在 MacroMicro 財經M平方 Facebook 的最佳貼文
【ＭＭ短評】日再度延長寬鬆措施，挹注市場流動性
🔎看完整評論：https://user106642.psee.io/392zb4
大家早安！以下內容均節錄自今日短評
✨日本央行再度延長寬鬆措施，挹注市場流動性
【ＭＭ研究員】
日央行在通膨前景相對不行的情況下，選擇年底再度延長寬鬆措施。此次如預期維持現有寬鬆規模，並延長針對中小企業貸款的特殊銀行再融資措施（Special Fund-Provision ）。
整體而言，在日本通膨短中期仍將遠低於目標2%的情況下，日央行貨幣政策框架仍深具挑戰性，未來需持續關注日央行對於政策框架更動是否給出更明確指引。
🔎完整重點詳見短評：https://user106642.psee.io/392zb4
------------
【總經Spotlight】台灣央行利率連三凍，大幅上調今明年 GDP 成長率
https://reurl.cc/D6RX8j
【FOMC 會議】今年最後一次會議，5 大重點看聯準會明年政策走向
https://reurl.cc/Q3yWOO
#財經M平方 #今日關注焦點
provision銀行 在 外交部 Ministry of Foreign Affairs, ROC（Taiwan） Facebook 的最佳貼文
【台灣防疫成效 #國際政要 都肯定👍👍👍】
第二波移入疫情強勢回流 🌀
看到確診人數增加
相信有在追指揮中心記者會的大家
內心不免七上八下
但只要我們 #謹慎應對 持續落實 #防疫工作
相信還是有機會守住J一波‼️
雖然還是會擔心
但蒐集癖小編決定要再發一篇落落長的文
讓各位看看世界各國的政要大咖
如何讚 #台灣 目前為止的防疫模式 👏👏👏
#我們不害怕雨淋
#因為我們知道大雨之後會有彩虹 🌈
#團結一心 #正向防疫
#台灣加油 💪
As the coronavirus pandemic continues, we'll endeavour to remain prudent in our epidemic prevention measures. We believe we can stem the tide.
To reinstill some confidence, we've collected a series of quotes from politicians and ministers around the world, praising the #TaiwanModel as part of the fight against the #COVID19 #WuhanCoronavirus. Read what they had to say below!
《亞太地區》
#紐西蘭 New Zealand 🇳🇿
3/15 ─ 紐西蘭總理阿爾登：「我們將緊密遵循相當接近於台灣的模式，他們(台灣政府)針對公眾集會所建立的因應架構，是相當成功的。我們將以它為根據，來設定我們的標準。」
March 15 - Prime Minister Jacinda Ardern said, in a Q+A interview on Sunday, that officials were looking at tailored criteria for events that may need to be cancelled, such as whether people would be in close proximity to one another.
“We're going to follow, pretty closely, the Taiwanese model. They worked up a framework for mass gatherings that's been quite successful,” she said.
#日本 Japan 🇯🇵
3/12 ─ 日本台灣交流協會代表泉裕泰：「我相信台灣的真知灼見可與世界各國廣泛共享，並對苦於遭受傳染蔓延的其他國家與地區做出巨大的貢獻。」
March 12 - Japan's chief representative in Taiwan, Hiroyasu Izumi, stated that he believes Taiwan's insights can be widely shared with other countries in the world and make great contributions to other countries and regions suffering from the spread of infection.
《亞非地區》
#以色列 Israel 🇮🇱
3/14 ─ 以色列總理尼坦雅胡：「順帶一提，這個方法已經在台灣試過了，可能很成功。以色列是少數國家當中，有這個能力做的。我們將採用這個方法。」
March 14 - Prime Minister Benjamin Netanyahu said it was not an easy choice to make and described the virus as an “invisible enemy that must be located.” He said Israel would follow similar methods used by Taiwan.
3/14 ─ 以色列前總理巴拉克：「以色列可以對抗新冠病毒，但必須像台灣一樣反應快速。」
March 14 - Former prime minister Ehud Barak stated that Israel can fight against the novel coronovirus, but that it must react as swiftly as Taiwan.
《拉美地區》
#尼加拉瓜 Nicaragua🇳🇮
3/11 ─ 尼加拉瓜副總統穆麗優：「我們得知台灣政府及人民實行了成功的防疫模式，我們已向台灣駐尼大使提出請求，期盼台灣與我們分享經驗，因為台灣不僅成功防制傳染，且維持人民秩序免於慌亂，確實值得學習。」
March 11 - La vicepresidenta de Nicaragua, Rosario Murillo, declaró: "Nosotros hemos conocido el Modelo exitoso de contención que puso en práctica el Gobierno y el Pueblo de la República de China(Taiwán), y hemos pedido a su Embajador aquí, que nos presenten ese Modelo exitoso, porque han logrado no solo contener, sino también mantener a la población en un estado que no esté de pánico." (The vice president of Nicaragua, Rosario Murillo, stated, "We are aware of the successful model of prevention that the government and the people of Taiwan have put into practice, and we've asked the Taiwanese ambassador to make a presentation on this successful model, because they've not only managed to contain the virus, but they've kept their population from panicking.")
#聖文森 Saint Vincent and the Grenadines🇻🇨
3/12 ─ 聖文森衛生部長布朗：「台灣因『一個中國』原則不被承認為獨立國家，因此未被納入參與「世界衛生大會」（WHA），台灣距離中國僅為海峽之隔，然而疫情爆發至今卻僅有少數確診病例，我已正式致函何大使尋求台灣的協助以對抗聖國疫情。」
March 12 - "It’s quite remarkable that they’re just 81 miles from mainland China and whereas coronavirus in mainland China has been spiralling out of control...That’s incredible,” Health minister Luke Brown said. Taiwan is not a part of the World Health Assembly as it is not recognised as being an independent country under the One-China policy. Browne said the ambassador has mentioned some of the measures that Taiwan has taken, some of which he believes will work in the Vincentian context while others may not.
#聖露西亞 Saint Lucia🇱🇨
3/11 ─ 聖露西亞衛生部長艾瑟柯：「目前全球正共同對抗來自中國武漢的新型冠狀病毒，聖露西亞政府藉此機會讚許臺灣採取有效率且具成效的防疫措施，並提議與露國緊密合作防疫。」
March 11 - “As the world is fighting the COVID-19 Coronavirus originated from Wuhan, China, the Government of Saint Lucia wishes to take this opportunity to commend Taiwan for its efficient and efficacious measures, and its offer to work closely with Saint Lucia to contain the pandemic,” said Health Minister Mary Isaac.
#貝里斯 Belize🇧🇿
2/4 ─ 貝里斯衛生部長馬林：「貝國政府及衛生部肯定台灣關鍵的公衛措施，包括對隔離案例進行電子監控、口罩及其他物資供應，強化防疫工作。」
Feb. 4 - Minister of Health, Hon. Pablo Marin: “The Government of Belize, and by extension the Ministry of Health, applauds Taiwan’s key public health measures that include electronic monitoring of quarantined cases and the provision of masks and other items to support the prevention efforts.”
#巴拉圭 Paraguay🇵🇾
3/17 ─ 巴拉圭參議員法切提：「儘管與WHO無任何合作關係，台灣仍向前行…台灣也因此能夠成功防堵新冠病毒。」
March 17 - Fernando Silva Facetti, Paraguayan politician: "A PESAR DE LA NULA COOPERACIÓN DE LA @opsoms, #TAIWAN SIGUE ADELANTE... Así es como Taiwán logró contener el brote de #coronavirus" (Despite the lack of cooperation from the WHO, Taiwan continues to progress... This is how Taiwan managed to contain the coronavirus.)
#委內瑞拉 Venezuela🇻🇪
3/13 ─ 委內瑞拉臨時政府代表楊杰斯議員：「感謝情同手足的台灣人民贈交我們防疫所需的口罩及酒精。Taiwan Can Help！」
March 13 - Jesús M. Yánez M., Venezuelan politician: "Gracias a el hermano pueblo de Taiwan nos encontramos entregando tapa boca y kits de alcohol, denunciando la falta de prevención y de medidas acordes contra el COVIDー19 Taiwan Can Help" (Thanks to our brothers and sisters in Taiwan, we find ourselves with face masks and alcohol kits, denouncing the lack of prevention and appropriate measures against COVID-19. Taiwan Can Help.)
3/15 ─ 委內瑞拉駐西班牙大使艾卡利：「台灣及早警覺，並已阻擋了疫情擴散。」
March 15 - Antonio Ecarri B., Ambassador of Venezuela in Spain: "Taiwan se alarmó y frenó su expansión." (Taiwan was alarmed and curbed the spread.)
#阿根廷 Argentina 🇦🇷
3/11 ─ 阿根廷國會議員康帕紐利：「台灣是成功控制疫情的模範。」
March 11 - Marcela Campagnoli, National Deputy in Argentina: "Taiwan es un ejemplo de como lo han controlado." (Taiwan is an example of how to control it.)
3/16 ─ 阿根廷國際關係委員會秘書長桑提巴聶茲：「認為威權政府防疫工作做得比民主國家好，這個想法是錯的。台灣、韓國及新加坡做得非常好，他們都是民主國家。」
March 16 - Francisco de Santibañes, Secretary General of the Argentine Council for International Relations: "Sería un error pensar que los gobiernos autoritarios actuaron mejor que las democracias a la hora de controlar el coronavirus. Corea del Sur, Singapur y Taiwán lo hicieron muy bien y son democracias." (It would be a mistake to think that authoritarian governments act better than democracies in curbing the coronavirus. South Korea, Singapore and Taiwan did it very well and they're democracies.)
#哥倫比亞 Colombia🇨🇴
3/12 ─ 哥倫比亞內科醫師學會前主席希尼爾：「看看台灣，從全球確診統計圖表中漸漸消失，並對照其他亞洲國家防疫進展。他們比其他國家聰明嗎？不，是因為他們比較有組織、守紀律！」
March 12 - Juan Senior, ex-president of the Colombian Association of Internal Medicine: "Miren la evolución de Taiwán, desaparece del panorama y como evoluciona la epidemia en países asiáticos. Son más inteligentes que todos? No, son más organizados y disciplinados!!!" (Look how things have gone in Taiwan, they're out of the picture now and how the epidemic has developed in asian countries. Are they smarter than everyone else? No, they're more organized and more disciplined!!!)
#巴拿馬 Panama 🇵🇦
3/11 ─ 巴拿馬前駐台大使馬締斯：「台灣向世界展現，他們運用2003年抗煞所學到的經驗，準備好對抗新冠疫情。」
March 11 - Dr. Alfredo Martiz, former Ambassador of Panama in Taiwan: "Lo que Taiwán puede enseñar al mundo sobre la lucha contra el coronavirus Análisis: Taiwán aprovechó las lecciones aprendidas durante el brote de SARS de 2003, y esta vez su gobierno y su pueblo estaban preparados" (What Taiwan can teach the world about the fight against the coronavirus. Analysis: Taiwan took the lessons learned during the SARS outbreak of 2003 and this time its government and its people were ready.)
《歐洲》
#捷克 Czech Republic🇨🇿
3/15 ─ 捷克總理巴比斯：「政府決定改變中央危機應變中心的定位及人員調度，仿照如同媒體所報導台灣的因應做法。」 March 15 - Prime Minister Andrej Babis: “The government decided to change the status of the Central Crisis Staff, where the crisis staff will be modeled, as we read in the media and it was in Taiwan.”
#丹麥 Denmark🇩🇰
3/18 ─ 丹麥前總理拉斯穆森：「台灣利用大數據、透明、由中央指揮的防疫作為奏效，值得世界各國學習。現在是時候告訴中國，確有地方可以討論地緣政治的，但不是在世界衛生組織。」 March 18 - In his March 18 piece in Time Magazine, former prime minister of Denmark Anders Fogh Rasmussen, stated "After the first notifications at the end of 2019, Taipei swiftly deployed a combination of measures to identify and contain the virus, including the use of big data to help contain potential cases."
#法國 France🇫🇷
3/5 ─ 前法國衛生部長及外交部長杜斯特：「檢視中央集權與非中央集權國家決策模式的差異十分有意思。台灣雖緊鄰中國卻可能是受武漢肺炎死亡率最低及受影響最輕的國家，其防疫成果完全令人難以置信，是為出色的危機管理。」
March 5 - Former French health and foreign minister Philippe Douste-Blazy said, "Ce qui est très intéressant en regardant les différents pays, c’est la centralisation ou la non-centralisation des décisions. Et on s’aperçoit que par exemple Taiwan est probablement le pays où il y a le moins de létalité et le pays le moins touché alors que c’est extrêmement près de la Chine. Le résultat est absolument invraisemblable. C’est une magnifique gestion de crise." (What is quite interesting with different countries, is centralization vs non-centralization of decisions. And one realizes that, for example, Taiwan is probably the country where the mortality rate is the lowest and the least affected country despite its extreme proximity to China. The result is absolutely implausible. It’s wonderful crisis management.)
3/7 ─ 法國國民議會友臺小組主席瑟賽希尼：「臺灣是處理武漢肺炎疫情的典範。」
March 7 - The chair of the French National Assembly's France-Taiwan Parliamentary Friendship Group, Jean François Cesarini, stated "Taïwan : Exemplaire dans sa gestion de l’épidémie du Coronavirus." (Taiwan: an excellent model for the management of the coronavirus epidemic.)
3/6 ─ 法國國民議會友臺小組副主席拉赫迪耶：「臺灣堪稱處理武漢肺炎危機的典範。」
March 6 - The deputy chair of the French National Assembly's France-Taiwan Parliamentary Friendship Group, Laure de La Raudière, stated "Gestion exemplaire de Taiwan de la crise du Coronavirus." (Taiwan's exemplary management of the coronavirus crisis.)
#義大利 Italy🇮🇹
3/16 ─ 義大利前外交部長德爾其：「台灣可能是第一個向WHO報告新冠病毒人傳人的國家，而且早在中國和WHO承認之前。顯然地，台灣因為北京施壓，被排除在世衛組織之外已有兩年之久。」
March 16 - Former foreign minister, Giulio Terzi: "Taiwan potrebber esser stato primo Paese a comunicare alla OMS che coronavirus COVID19 si stava trasmettendo da uomo a uomo.Molto prima che Cina e OMS lo ammettessero. Ovviamente, per volere Pechino, Taipei subisce esclusione da OMS da due anni." (Taiwan may have been the first country to report to WHO that coronavirus COVID19 was spreading from amongst humans, long before China and WHO admitted it. Obviously, at the behest of Beijing, Taipei has been excluded from WHO for two years.)
3/19 ─ 義大利北聯黨外交事務首席法拉利，轉推蔡總統「台美簽署防疫聯合夥伴關係聲明」推文：「這是向中國，也是向世界傳達的重要訊息。」
March 19: Lega Nord head of foreign affairs in Lombardy, Max Ferrari: "Coronavirus. Importante messaggio alla Cina e al mondo da Taiwan e Usa." (Coronavirus. Important message to China and the world from Taiwan and the USA.)
#歐盟 EU🇪🇺
3/14 ─ 歐洲議會議員暨中國關係代表團團長包瑞翰：「在這次疫情危機中，台灣在拯救生命方面做得很好。為什麼不邀請他們充分參與國際呢？ 為什麼WHO不這樣做？因為北京玩弄民族主義政治，犧牲人民的利益。」
March 14 - “Taiwan is doing a great job with saving lives in this corona crisis. Why not acknowledge that and invite them to participate fully in international efforts? Why doesn't WHO do it? Because Beijing is playing nationalist politics at people's expense,” said Reinhard Bütikofer
#英國 UK 🇬🇧
3/13 ─ 英國前衛生大臣杭特表示，政府應採取更積極的行動，包括禁止探視養老院的長者。他認為，英國應該像是泰國和台灣等已控制住疫情的國家一樣，採取行動。
March 13 - Jeremy Hunt, the UK former health secretary: "Countries like Thailand and Taiwan had controlled the outbreak by taking such action. People will be concerned we are not moving sooner on social distancing."
#瑞典 Sweden🇸🇪
2/18 ─ 瑞典國會議員溫和黨主席席德斐：「從長遠來看，世衛組織不願將台灣納入扼止新冠病毒傳播及由該病毒所引起的傳播的任務，是完全站不住腳的，並且從很多面向來看是適得其反，例如從醫學和經濟角度。」
Feb. 18 - Moderate Party MP Margareta Cederfelt pointed out that “WHO’s unwillingness to include Taiwan in its work with limiting the spread of the coronavirus and stopping infections caused by the virus in the long-run, is indefensible and counterproductive seen from several perspectives, for example from a medical and economic perspective.”
#德國 Germany🇩🇪
3/13 ─ 德國自民黨主席國會議員布本多弗：「有一個國家在抗疫上脫穎而出，運用明確的策略及冷靜的態度有效對抗新冠肺炎，這個國家就是臺灣。」
March 13 - Chair of the district association Mühldorf am Inn of the FDP Bavaria Sandra Maria Bubendorfe: "Bei meiner 3. Rede im Deutschen Bundestag zum Thema Zivil und Katastrophenschutz in Deutschland vergangen Freitag, war es mir ein besonderes Bedürfnis Taiwan hervorzuheben, das gezeigt hat wie man mit klaren Strategien und kühlen Kopf auf die Gefahr des Corona Virus antworten kann und damit die Ausbreitung deutlich erschwert und verlangsamt wird." (During my third speech in the German Bundestag on civil and civil protection in Germany last Friday, I felt a need to highlight Taiwan, which showed how to respond to the dangers of the coronavirus with a clear strategy and a cool head, and thus significantly slowed its spread.)
#荷蘭 The Netherlands🇳🇱
3/18 ─ 荷蘭前中央銀行主席維林克：「臺灣防疫預警作為，是這個擁有約2400萬居民，且每年接受約300萬中國旅客往訪的國家，迄今得以有效控制疫情的關鍵作為。」
March 18 - The former head of the Dutch central bank stated that with its 24 million strong population and 3 million annual tourists from China, Taiwan has unrolled effective key measures to curb the spread of the epidemic.
3/18 ─ 荷蘭50 Plus黨眾議員兼主席克羅及民主論壇黨眾議員兼主席伯德特：「台灣是成功例子」 無黨籍眾議員哈加：「台灣大量檢測與居家隔離，成功控制疫情，為何荷蘭不學習？」
March 18 - The leaders of the 50PLUS party and the Forum for Democracy, Henk Krol and Thierry Beaudet, stated that Taiwan has provided a successful model. Independent Dutch MP Wybren van Haga stated that Taiwan has been testing on a large scale and enforcing home quarantines, successful measures in curbing the epidemic and asked why the Netherlands wasn't learning from their example.
#瑞士 Switzerland 🇨🇭
3/10 ─ 瑞士國會下議員瓦爾德：「臺灣對抗新冠病毒具特別成效。」 March 10 - Swiss National Councillor Nicolas Walder said Taiwan's response to the novel coronavirus has been particularly effective.
#葡萄牙 Portugal🇵🇹
3/15 ─ 葡萄牙前人民黨黨揆暨資深媒體評論家波塔斯：「台灣承襲2003年對抗SARS經驗，成功壓抑疫情曲線峰值，值得葡國作為借鏡。」
March 15 - Former Deputy Prime Minister of Portugal and media personality Paulo Portas stated that Taiwan's experience in fighting SARS in 2003 allowed it to be successful in flattening the curve, providing a model Portugal can learn from.
3/18 ─ 葡萄牙國會友臺小組歐利維拉：「台灣病例出現雖早，卻在努力下獲得很好的控制，台灣防疫措施值得肯定及學習。」
March 18 - Chair of the Portugal-Taiwan Parliamentary Friendship Group Paulo Rios de Oliveira stated that although cases in Taiwan started to appear quite early on, they've controlled it very well with a lot of effort. Taiwan's epidemic control measures should be praised and studied.
#西班牙 Spain🇪🇸
3/13 ─ 西班牙前國會議員瓦紐費瑞：「這些措施證明台灣公衛模式有效，包括世界上最先進的醫衛系統、自2003年抗煞以來所累積的廣泛防疫經驗等。」
March 13 - Francisco Vañó Ferre, a former member of the Spanish Parliament: "Estas y otras medidas prueban la eficacia del modelo sanitario de Taiwán, que cuenta con uno de los más avanzados sistemas de salud del mundo y con amplia experiencia en la lucha contra enfermedades contagiosas tras haber sufrido la epidemia del SARS en 2003." (These and other measures prove the efficacy of the health model of Taiwan, which has one of the most advanced health systems in the world and a wealth of experience in the fight against contagious diseases, after having suffered from the SARS epidemic in 2003.)
#匈牙利 Hungary🇭🇺
3/15 ─ 匈牙利醫師學會：「在中國其他省份和其他亞洲國家，例如台灣和新加坡等，已經能夠預防感染的傳播。」
March 15 - The Hungarian Medical Chamber stated “In other provinces of China and other Asian countries (eg Taiwan, Hong Kong and Singapore) have been able to prevent the spread of the infection.”
北美：
#美國 US🇺🇸
2/5 ─ 美國前衛生部長派司：「台灣已經證明其防疫行動極為負責且透明，特別是在醫學和科學領域。最近有幸到訪台灣，台灣協助研發疫苗或以其他方式協助拯救生命，並促進人類對抗病毒的能力及情報，此刻尤顯出色。」
Feb. 5 – US former secretary of health and human services Tom Price: "Taiwan has shown itself to be extremely responsible and transparent in its actions, especially in the area of medicine and science. Having had the privilege of visiting recently, the capacity of Taiwan to help formulate a vaccine or assist in other ways to help save lives and advance human engagement and intelligence at this time is remarkable."
#加拿大 Canada🇨🇦
3/6 ─ 加拿大前國務部長契爾格：「將台灣排除在世衛組織之外，會讓新冠病毒對其國民和世界其他地區變得更加危險。」
March 6 - Canadian former secretary of state David Kilgour: “Excluding Taiwan from contact with WHO makes COVID-19 more dangerous for its nationals and the rest of the world.”
provision銀行 在 德國老妞 Facebook 的最讚貼文
#德國買房心得_第二講
#大家不要看到睡著啊
🏡第一講請參考：https://reurl.cc/R4ddo9
買房除了大家最關心的「買價」，再來就是要注意會產生什麼額外費用，才能知道買房的預算大概要抓多少囉！
基本上，買房需要支出的費用有6大項：
1️⃣買價 （Kaufpreis)
2️⃣房仲抽成費用 （Provision)
德國的房仲佣金抽成%每個邦都不太一樣，常見是4.75%、5.95%、6.25%、7.14%（都含增值稅19%）。這費用有些邦是買家和賣家一起分擔，有些是買家單獨負擔（像漢堡就是🙄）。當然，有時候建商或是房仲業者會直接將房仲稅加入買價，讓買家感覺賺到了～😉
3️⃣公證過戶和登記費用（Notar, Grundbucheintrag)
不管是透過中介或是私人賣家，最後都要經過Notar公證人公證這道手續。他們會彙整買賣房個人資訊、有沒有在其他銀行有貸款、房屋狀況明細、有無一房多賣等情況，與買賣房進行一同簽約。簽約後，要馬上跟銀行那方聯繫，待銀行貸款等資料確認簽約後，公證人才會進行土地房產轉移登記，都順利進行後，才能進行交屋。這程序大概要抓1個月的時間。公證的費用佔用房地產比例約1.5％的費用。
4️⃣房屋稅（Grunderwerbsteuer )
房屋稅每個邦也都不同。從3.5%-6.5%都有！漢堡是4.5%，
5️⃣地價稅（Grundsteuer)
每年都要繳交。至於怎麼計算...老妞實在不懂！不過就是一年大概幾百歐的費用哈（好不專業哦我😂）不過這邊有個公式可以給有興趣的人參考：
Grundsteuermessbetrag x Hebesatz = Jahresgrundsteuer
6️⃣貸款產生的利息 （Zinsen)
這就看你怎麼跟銀行談囉！目前德國利息率很低～（但也因為這樣相對房價高）
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以上，就是德國買房會產生的額外費用哦！其實老妞不管在台灣或德國，都沒有買房的經驗...所以也是一步步慢慢累積經驗，一步步邊看邊問！希望能提供一點點小資訊給住在德國的大家！
以前在學校，老師都會說，能多多幫助同學解決題目和問題，反而會越來越專精這科，會越來越熟練！
大家還有什麼問題想問呢？歡迎發問，老妞會不專業回覆😂
#下台一鞠躬
#照片是來自IG_hamburg的哦