{"id":138223,"date":"2025-07-18T10:11:06","date_gmt":"2025-07-18T08:11:06","guid":{"rendered":"https:\/\/www.mojevrijeme.hr\/magazin\/?p=138223"},"modified":"2025-07-18T10:11:07","modified_gmt":"2025-07-18T08:11:07","slug":"njemacki-mirovinski-san-stvarnost-je-skromnija-nego-sto-mislite","status":"publish","type":"post","link":"https:\/\/www.mojevrijeme.hr\/magazin\/2025\/07\/njemacki-mirovinski-san-stvarnost-je-skromnija-nego-sto-mislite\/","title":{"rendered":"Njema\u010dki mirovinski san? Stvarnost je skromnija nego \u0161to mislite"},"content":{"rendered":"\n<p>S aktualnom vrijedno\u0161\u0107u mirovinskog boda od 40,79 eura, koja vrijedi od 1. srpnja 2025., nakon 45 godina osiguranja U Njema\u010dkoj se mo\u017ee ostvariti maksimalna mirovina od 3.572 eura mjese\u010dno, pi\u0161e Alexander Wunder, stru\u010dnjak za mirovine iz N\u00fcrnberga za <a href=\"https:\/\/www.vermoegenszentrum.de\/wissen\/wie-hoch-ist-die-gesetzliche-hoechstrente\" target=\"_blank\" rel=\"noreferrer noopener\">Vermoegenszentrum.de<\/a>.<\/p>\n\n\n\n<p>Dakle, najvi\u0161u mogu\u0107u mirovinu mogu dobiti samo oni koji su najmanje 45 godina zara\u0111ivali iznos na razini tzv. gornje granice za obra\u010dun doprinosa <em>(Beitragsbemessungsgrenze, BBG)<\/em> u op\u0107em mirovinskom osiguranju. Me\u0111utim, gotovo nitko ne uspije 45 godina neprekidno zara\u0111ivati na razini BBG-a, zbog \u010dega je ova maksimalna mirovina za ve\u0107inu ljudi nedosti\u017ena.<\/p>\n\n\n\n<p>Prema najnovijim podacima Njema\u010dkog mirovinskog osiguranja, takozvana standardna mirovina za umirovljenika koji je 45 godina upla\u0107ivao doprinose na prosje\u010dnu pla\u0107u iznosi 1.835,55 eura bruto mjese\u010dno. Od toga se oduzimaju doprinosi za zdravstveno i dugotrajno osiguranje te porezi.<\/p><div id=\"mojev-3669781368\" class=\"mojev-u-tekstu mojev-entity-placement\" style=\"margin-left: auto;margin-right: auto;text-align: center;\"><div class=\"mojev-adlabel\">oglas<\/div><div style=\"height: 250px;\"><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-8106111766207173\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- Prikazni 1 u tekstu -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-8106111766207173\"\r\n     data-ad-slot=\"8535551207\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div><\/div><br style=\"clear: both; display: block; float: none;\"\/>\n\n\n\n<p>Wunder tako navodi da je zadnjeg dana 2023. godine prosje\u010dna mirovina za mu\u0161karce iznosila 1.348 eura, a za \u017eene samo 908 eura. Dugogodi\u0161nje osigurane osobe (35 godina sta\u017ea) dobivaju u prosjeku 1.260 eura, a osobe s 45 godina sta\u017ea oko 1.574 eura.<\/p>\n<div id=\"mojev-2664732539\" class=\"mojev-kraj-teksta mojev-entity-placement\" style=\"margin-bottom: 20px;margin-left: auto;margin-right: auto;text-align: center;\"><div class=\"mojev-adlabel\">oglas<\/div><div style=\"height: 250px;\"><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-8106111766207173\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- Display-1 -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-8106111766207173\"\r\n     data-ad-slot=\"1465712950\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Najvi\u0161a mirovina u Njema\u010dkoj je teorijska vrijednost koju mo\u017ee ostvariti samo osoba koja je 45 godina ili dulje svake godine upla\u0107ivala najve\u0107i mogu\u0107i iznos doprinosa u zakonski mirovinski sustav.<\/p>\n","protected":false},"author":1,"featured_media":107526,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[18,127],"class_list":["post-138223","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vijesti","tag-mirovine","tag-njemacka"],"_links":{"self":[{"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/posts\/138223","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/comments?post=138223"}],"version-history":[{"count":1,"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/posts\/138223\/revisions"}],"predecessor-version":[{"id":138224,"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/posts\/138223\/revisions\/138224"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/media\/107526"}],"wp:attachment":[{"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/media?parent=138223"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/categories?post=138223"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mojevrijeme.hr\/magazin\/wp-json\/wp\/v2\/tags?post=138223"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}