Go Back   English Forum Switzerland > Living in Switzerland > Daily life  
Reply
 
Thread Tools Display Modes
  #1  
Old 23.05.2019, 20:49
Newbie
 
Join Date: May 2019
Location: Bern
Posts: 6
Groaned at 0 Times in 0 Posts
Thanked 1 Time in 1 Post
trailingspousebern has no particular reputation at present
Introduction and a few questions

Dear All,

I am Alain, a trailing spouse. My wife is working full time and we moved to Switzerland from India a little over 5 years ago. We have 2 kids, 3 year old son and 6 year old daughter. I am a full time dad and a writer (no, have not written anything noteworthy .... yet ). Full disclosure, this will be a long post with some questions, so please be patient.

A) Apartment search: This has been a cracker. So difficult to find places. We are looking for a 4.5 - 5.5 rooms. Somewhere from 105-120+ m2. Since our elder daughter will start school, this is a good time to move. We are looking at comparis.ch which gives direction to immoscout and a few others. But can you guys provide some direction as well the area which is ''good enough'' to live from expat standpoint, sports classes for kids and expat crowd. We saw few apartments near JnJ office/Train station and this seems to be a good place to live (i.e things seem to be close by). However, we also need to make sure that there is a good primary school for our daughter who will go to public school, any feedback on this area/school or any other recommendations ?

B) Documents: When we leave from Bern, which are the documents we should get with us when we deregister ?. It is the deregister document, police certificate ?, Betreibungs? anything else ?

C) Tax Rate: My wife secured a new job so we have to move from the suburbs of Bern to somewhere near Zug/Zurich, starting from Aug-Sep 19. As we are on C permit, we have to fill in the tax forms as her salary is no longer deducted at source. For 2019, she will be working in Bern until Aug/Sep and start the new job in Sep/Oct. So is it accurate that she will be taxed for full 2019 on Zug/zurich kanton rate if we move in Sep/Oct to Zug/zurich ? Would that be an accurate assumption ? Any suggestion on tax consultants ?

D) Doctors/Pediatrician: Any suggestions on these please ? We have had good experience with Bern Hospital (kids and women's). Hoping Zug has a good recommended hospital as well

E) Car: We have an Audi and got it from a authorized dealer, I can always good another Audi garage close to Zug and ring them to see if they can also include us in their garage ? (is this even needed, my wife thinks we need to)
Reply With Quote
  #2  
Old 24.05.2019, 11:08
Medea Fleecestealer's Avatar
Forum Legend
 
Join Date: Jul 2011
Location: Misery, but not the SoT one
Posts: 20,208
Groaned at 349 Times in 264 Posts
Thanked 14,686 Times in 8,438 Posts
Medea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond reputeMedea Fleecestealer has a reputation beyond repute
Re: Introduction and a few questions

Welcome to the forum.

Can't help much with your questions, but you'll need to deregister from your gemeinde and they should give you a piece of paper stating that. Then when you get to your new gemeinde you re-register with them and eventually you'll get new permits.

As for the car, well you'll need to hand in the current plates on it and get new ones so you could either do that via the new garage or direct from the cantonal transportation department.
Reply With Quote
  #3  
Old 24.05.2019, 11:45
aSwissInTheUS's Avatar
Forum Legend
 
Join Date: Nov 2007
Location: Zurich area
Posts: 10,012
Groaned at 78 Times in 69 Posts
Thanked 15,108 Times in 6,721 Posts
aSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond reputeaSwissInTheUS has a reputation beyond repute
Re: Introduction and a few questions

A) Nearly any school is good. Some schools are exceptional as they have better infrastructure and extra activities.

B) Police certificate? Do you intend to buy a gun? Nevertheless, that is a federal document and you can request on any time you need one: https://www.e-service.admin.ch/crex/...rafregister_de

Betreibungsregisterauszug? You might need that before you move (if you will rent). Once you found a new place you will most likely not need it for a long time (till you move again). Nevertheless, you can request one from your old place whenever you would need one: https://www.e-service.admin.ch/eschk...ngsauskunft_de

Deregistration document? Most likely as only a few Bern communes offer the online service for de-/registration. See here if your commune does: https://www.eumzug.swiss/eumzug/#/global

C) Correct when you move canton, the place where you live on December 31st is relevant for tax declaration and tax rate. Normally Zurich has lower tax than Bern. And Zug lower tax than Zurich.

D) Be aware that you will get a lower/higher health insurance premium as it depends on place of residence.

E) I do not think there is such a need like with a family doctor.
Quote:
View Post
As for the car, well you'll need to hand in the current plates on it and get new ones
The process is to get new ones and hand in the old ones Saves some troubles and logistic issues.
__________________
“That’s the second biggest monkey head I’ve ever seen!”
Reply With Quote
The following 2 users would like to thank aSwissInTheUS for this useful post:
  #4  
Old 25.05.2019, 15:50
Markarina's Avatar
Forum Veteran
 
Join Date: Aug 2011
Location: Bern
Posts: 990
Groaned at 8 Times in 6 Posts
Thanked 901 Times in 449 Posts
Markarina has an excellent reputationMarkarina has an excellent reputationMarkarina has an excellent reputationMarkarina has an excellent reputation
Re: Introduction and a few questions

The hospital in Zug is a lot smaller than Bern but personally my experiences with the Inselspital have been bit and miss, more miss them hit, taking a week to diagnose I was having heart attacks doesn't fill you with confidence. I never had a bad experience with Zug they are smaller but no their limitations and have no hesitation in calling in support of transferring you to a more appropriate hospital if necessary, happens very rarely.

As for the car, Audi garage is an Audi garage nothing you need to do other than tell your current garage to stop sending you junk mail

There are doctors a plenty in Zug area and most of them speak English of that is a requirement.
Reply With Quote
  #5  
Old 25.05.2019, 16:25
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 26,444
Groaned at 1,638 Times in 1,258 Posts
Thanked 30,655 Times in 14,636 Posts
st2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond repute
Re: Introduction and a few questions

Quote:
View Post
As for the car, well you'll need to hand in the current plates on it and get new ones so you could either do that via the new garage or direct from the cantonal transportation department.
Just wait until you get your permit for your new canton (which can take six months), then go get new plates and give them the old ones, they will send them to the old canton.

Tom
Reply With Quote
This user would like to thank st2lemans for this useful post:
  #6  
Old 26.05.2019, 07:48
NickGB's Avatar
Forum Veteran
 
Join Date: Apr 2011
Location: Zug
Posts: 633
Groaned at 6 Times in 6 Posts
Thanked 737 Times in 313 Posts
NickGB has an excellent reputationNickGB has an excellent reputationNickGB has an excellent reputationNickGB has an excellent reputation
Re: Introduction and a few questions

OK, I'll tackle property and pediatricians:


Property: You don't mention your budget? If your wife is working in Zug, I see little point in Zurich. You also now have the opportunity to get a lake view. Any place on the East side of the lake is great (From Walchwil all the way to Zug) The West side is not bad, but it loses the light quite early. For a 4.5 you can budget around 2,500-3,500 (Although you can push through that ceiling PDQ)
I can't really comment on schools, apart from never hearing anything bad. We live in Walchwil and I have heard very good things about the school there.
Another very popular option is Unter/Oberageri. Everyone I know who lives there is very happy, it's got a big expat community and you get a lot more for your money.
Other popular areas are Cham (Although some parts are great, some are really not), Baar (Very convenient, but I like a lake view) and of course Zug itself. I personally wouldn't want to live around the area of JnJ, especially with a family.

The last thing to note is that unlike Zurich, properties are not difficult to secure. You find a place you like that's advertised and it's pretty much yours.
Pediatrician: Dr Georg Bohn, Kinderarzte Lorzenpark, Cham. Really, I couldn't say enough nice things about him!
Reply With Quote
  #7  
Old 26.05.2019, 09:32
robBob's Avatar
Forum Veteran
 
Join Date: Mar 2012
Location: Zurich
Posts: 1,832
Groaned at 34 Times in 22 Posts
Thanked 1,426 Times in 823 Posts
robBob has an excellent reputationrobBob has an excellent reputationrobBob has an excellent reputationrobBob has an excellent reputation
Re: Introduction and a few questions

Tax is based on residency. So it depends on your moving date.
Personally, IMO, I would try to get something within walking or biking distance to your wife's job. Public commuting is a hassle and the same with driving.

As for the car, if its still under guarantee any Audi garage will honor it, even in the EU.
Reply With Quote
  #8  
Old 26.05.2019, 09:58
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 26,444
Groaned at 1,638 Times in 1,258 Posts
Thanked 30,655 Times in 14,636 Posts
st2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond reputest2lemans has a reputation beyond repute
Re: Introduction and a few questions

Quote:
View Post
Tax is based on residency. So it depends on your moving date.
No, it depends on where you live on 31 December.

Tom
Reply With Quote
This user would like to thank st2lemans for this useful post:
  #9  
Old 26.05.2019, 10:06
Newbie 1st class
 
Join Date: May 2016
Location: Rotkreuz
Posts: 16
Groaned at 0 Times in 0 Posts
Thanked 6 Times in 4 Posts
bailout has no particular reputation at present
Re: Introduction and a few questions

Quote:
View Post
Dear All,

I am Alain, a trailing spouse. My wife is working full time and we moved to Switzerland from India a little over 5 years ago. We have 2 kids, 3 year old son and 6 year old daughter. I am a full time dad and a writer (no, have not written anything noteworthy .... yet ). Full disclosure, this will be a long post with some questions, so please be patient.

A) Apartment search: This has been a cracker. So difficult to find places. We are looking for a 4.5 - 5.5 rooms. Somewhere from 105-120+ m2. Since our elder daughter will start school, this is a good time to move. We are looking at comparis.ch which gives direction to immoscout and a few others. But can you guys provide some direction as well the area which is ''good enough'' to live from expat standpoint, sports classes for kids and expat crowd. We saw few apartments near JnJ office/Train station and this seems to be a good place to live (i.e things seem to be close by). However, we also need to make sure that there is a good primary school for our daughter who will go to public school, any feedback on this area/school or any other recommendations ?

B) Documents: When we leave from Bern, which are the documents we should get with us when we deregister ?. It is the deregister document, police certificate ?, Betreibungs? anything else ?

C) Tax Rate: My wife secured a new job so we have to move from the suburbs of Bern to somewhere near Zug/Zurich, starting from Aug-Sep 19. As we are on C permit, we have to fill in the tax forms as her salary is no longer deducted at source. For 2019, she will be working in Bern until Aug/Sep and start the new job in Sep/Oct. So is it accurate that she will be taxed for full 2019 on Zug/zurich kanton rate if we move in Sep/Oct to Zug/zurich ? Would that be an accurate assumption ? Any suggestion on tax consultants ?

D) Doctors/Pediatrician: Any suggestions on these please ? We have had good experience with Bern Hospital (kids and women's). Hoping Zug has a good recommended hospital as well

E) Car: We have an Audi and got it from a authorized dealer, I can always good another Audi garage close to Zug and ring them to see if they can also include us in their garage ? (is this even needed, my wife thinks we need to)
A) Personally we've been very happy living in Rotkreuz. It's got a very good mix of nature (very easy to go on walks by the lake, in the surrounding forests etc.) and all the amenities of a town such as doctors, large Migros & Coop & other stores, restaurants (many more popping up in recent years due to the growth in Rotkreuz). Public transport to Zug takes 8-12 minutes, and rental prices are more affordable than in Zug Stadt. It's also immediately connected to the highway, which is good if you prefer the car for commuting.

B) https://www.ch.ch/en/checklist-moving-home/

C) You are taxed for the whole of 2019 depending where your domicile is on 31st December 2019.

D) Zug Kantonspital is excellent. Both in terms of the care you receive and the comfort level (the hospital is very new and extremely clean) and convenience (easily accessible, staff is very open and communicative).

E) There are plenty of garages that service Audi in Zug. There isn't really a "include you in their garage". They are all equally happy to take your money. As far as I know, Amag in Cham is the largest (and most expensive) Audi servicer in the area. I've had very good results going to smaller garages that service Audis that are also more affordable (e.g. Autoklinik Zug in Hünenberg).
Reply With Quote
  #10  
Old 27.05.2019, 14:00
Newbie
 
Join Date: May 2019
Location: Bern
Posts: 6
Groaned at 0 Times in 0 Posts
Thanked 1 Time in 1 Post
trailingspousebern has no particular reputation at present
Re: Introduction and a few questions

Dear all,

Thank you for your input. Really helpful. I guess I am too new to the forum so cannot thank a post.

Quote:
View Post

B) Police certificate? Do you intend to buy a gun? Nevertheless, that is a federal document and you can request on any time you need one: https://www.e-service.admin.ch/crex/...rafregister_de
Dear aSwissInTheUS, Thank you for your response, the new company has requested my wife to submit one. I will request this document soon.

Quote:
View Post
OK, I'll tackle property and pediatricians:


Property: You don't mention your budget? For a 4.5 you can budget around 2,500-3,500. I can't really comment on schools, apart from never hearing anything bad. We live in Walchwil and I have heard very good things about the school there.
Another very popular option is Unter/Oberageri. Everyone I know who lives there is very happy, it's got a big expat community and you get a lot more for your money.
Other popular areas are Cham (Although some parts are great, some are really not), Baar (Very convenient, but I like a lake view) and of course Zug itself. I personally wouldn't want to live around the area of JnJ, especially with a family.

Pediatrician: Dr Georg Bohn, Kinderarzte Lorzenpark, Cham. Really, I couldn't say enough nice things about him!
Dear NickGB,

Thank you for your response. The max rent we thought was in the vicinity of 3200 CHF including parking. I have already looked at a few apartments online and made appointment for 2 in some of the areas you have mentioned. Cheers for that. Once we move, I will also look up Dr Georg.

Quote:
View Post
A) Personally we've been very happy living in Rotkreuz.

B) https://www.ch.ch/en/checklist-moving-home/
Dear bailout,

Thank you . That link is so useful. Not sure how I didnt come across it yet

I apologize to keeping my response to the point for now just because really over the head managing kids and sorting this move out. The huge hurdle for now is getting the apartment we like. And visiting Zug from Bern just to see 1 apartment with kids is a bit tiring. I really appreciate you all taking the effort to read and comment on Tax, Hospitals, Car Garage and Documents (Madea, Markarina, St2lemans, robBob) To make it up, will invite all for a apero/bbq when we move
Reply With Quote
  #11  
Old 27.05.2019, 21:25
NickGB's Avatar
Forum Veteran
 
Join Date: Apr 2011
Location: Zug
Posts: 633
Groaned at 6 Times in 6 Posts
Thanked 737 Times in 313 Posts
NickGB has an excellent reputationNickGB has an excellent reputationNickGB has an excellent reputationNickGB has an excellent reputation
Re: Introduction and a few questions

Quote:
View Post
Dear NickGB,

Thank you for your response. The max rent we thought was in the vicinity of 3200 CHF including parking. I have already looked at a few apartments online and made appointment for 2 in some of the areas you have mentioned. Cheers for that. Once we move, I will also look up Dr Georg.

No problem at all. Please fell free to reach out at any time. We've been in Zug for about 8 years, so have a bit of knowledge and experience.
Reply With Quote
  #12  
Old 25.06.2019, 20:34
Newbie
 
Join Date: May 2019
Location: Bern
Posts: 6
Groaned at 0 Times in 0 Posts
Thanked 1 Time in 1 Post
trailingspousebern has no particular reputation at present
Re: Introduction and a few questions

Dear all,

The apartment search is still going on. And partial deciding factor is also the income tax rate.

1. After doing a bit of research, I was able to find the tax rate for Zug and Zurich (attached). In this extract, it is mentioned the tax rate applicable for people with income tax (per bracket), for number of kids and with/without Church tax included. There is not a huge difference but there is still some and we want to quantify that. The only issue is, I have the extract from 2014 and not the latest for 2017/2018. I have looked quite a bit but the low grip on language has hindered by search. Is there any idea where I get it for Zurich as well as for Zug ?

2. Any idea on how income tax on equities work ? for e.g if I am given 20000 CHF of shares of the company I work for, and I go long on them or hold them, how will this be taxed. I recon the dividend will be taxed as additional or surplus income but not sure how the 20000 in 1 month of bonus is treated ? same like any other bonus or it is only taxed once I liquidate the shares ?

Cheers
Alain
Attached Files
File Type: pdf Zurich Tax Rate.pdf (270.4 KB, 3 views)
File Type: pdf Zug Tax Rate.pdf (439.7 KB, 3 views)
Reply With Quote
  #13  
Old 25.06.2019, 21:18
Newbie
 
Join Date: May 2019
Location: Bern
Posts: 6
Groaned at 0 Times in 0 Posts
Thanked 1 Time in 1 Post
trailingspousebern has no particular reputation at present
Re: Introduction and a few questions

Quote:
View Post
Dear all,

2. Any idea on how income tax on equities work ? for e.g if I am given 20000 CHF of shares of the company I work for, and I go long on them or hold them, how will this be taxed. I recon the dividend will be taxed as additional or surplus income but not sure how the 20000 in 1 month of bonus is treated ? same like any other bonus or it is only taxed once I liquidate the shares ?

Cheers
Alain
I found a reply

Quote:
View Post
exactly
income tax on the value of the shares given to you, when you receive them. They are considered "income from employment".

Then capital gains tax (i.e. none in CH) on the increase in value between now and selling.
Which would mean

on 20000 CHF I will pay (for example) 10% tax. So I pay 2000 CHF

In 5 years if I liquidate and the value of it is now 30000 CHF, then I pay income tax on 10000 CHF (capital gain)
Reply With Quote
  #14  
Old 25.06.2019, 21:40
ZuriRollt's Avatar
Forum Legend
 
Join Date: Aug 2015
Location: Zürich
Posts: 4,170
Groaned at 123 Times in 89 Posts
Thanked 4,688 Times in 2,123 Posts
ZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond repute
Re: Introduction and a few questions

Can I ask how you got the permit to replace a Swiss resident?
Reply With Quote
  #15  
Old 25.06.2019, 21:41
ZuriRollt's Avatar
Forum Legend
 
Join Date: Aug 2015
Location: Zürich
Posts: 4,170
Groaned at 123 Times in 89 Posts
Thanked 4,688 Times in 2,123 Posts
ZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond reputeZuriRollt has a reputation beyond repute
Re: Introduction and a few questions

Can I ask how you got the permit to replace a Swiss National?
Reply With Quote
  #16  
Old 25.06.2019, 23:01
Newbie
 
Join Date: May 2019
Location: Bern
Posts: 6
Groaned at 0 Times in 0 Posts
Thanked 1 Time in 1 Post
trailingspousebern has no particular reputation at present
Re: Introduction and a few questions

Quote:
View Post
Can I ask how you got the permit to replace a Swiss National?
not sure I understand the question, my apologies
Reply With Quote
  #17  
Old 25.06.2019, 23:13
3Wishes's Avatar
Moderately Amused
 
Join Date: Jul 2010
Location: Bern area
Posts: 8,974
Groaned at 50 Times in 48 Posts
Thanked 13,896 Times in 6,427 Posts
3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute3Wishes has a reputation beyond repute
Re: Introduction and a few questions

Quote:
View Post
not sure I understand the question, my apologies
Your profile indicates you're not an EU or Swiss citizen. I think ZuriRollt wants to know how your wife and her employer went about securing a permit.

You mention you're on C permits now after just 5 years, so you must have shown excellent integration and language skills. Congratulations!
Reply With Quote
  #18  
Old 25.06.2019, 23:20
Newbie
 
Join Date: May 2019
Location: Bern
Posts: 6
Groaned at 0 Times in 0 Posts
Thanked 1 Time in 1 Post
trailingspousebern has no particular reputation at present
Re: Introduction and a few questions

Quote:
View Post
Your profile indicates you're not an EU or Swiss citizen. I think ZuriRollt wants to know how your wife and her employer went about securing a permit.

You mention you're on C permits now after just 5 years, so you must have shown excellent integration and language skills. Congratulations!
Clear.

my wife secured a job in Bern and I moved here a bit more than 5 years ago. In november 18, we applied for C permit. They asked us for A2 german certificate and a bunch of other documents, which we submitted, there was a simple discussion we had after we got an invitation and viola we got C permit.

Not sure if the position and company at which my wife works supports the decision.
Reply With Quote
This user would like to thank trailingspousebern for this useful post:
Reply




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Sole proprietorship - few questions Giduca Business & entrepreneur 6 29.08.2017 16:32
EU: A few questions rnt Permits/visas/government 2 26.10.2014 09:43
Introduction + a few questions ayo8 Introductions 1 26.08.2009 14:01
Basel:few questions Francy Housing in general 2 25.05.2008 22:36


All times are GMT +2. The time now is 04:51.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2019, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0