Go Back   English Forum Switzerland > Help & tips > Finance/banking/taxation  
Reply
 
Thread Tools Display Modes
  #1  
Old 17.05.2012, 12:49
Newbie
 
Join Date: May 2012
Location: Zurich
Posts: 8
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
wrath has no particular reputation at present
Taxes and more for EU citizen in Zurich

Hi everybody,

I will be coming to Zurich in September to start my PhD, and I would like to have a clearer view about the taxes and other "reductions" of my salary

Although I have been searching a lot these days, I have not fully understood how the system works in Switzerland. I am a EU citizen and let's say I will make 3500 gross per month. I know I will be taxed directly (monthly) at this gross amount, and since I will be living in Zurich I have calculated (via the online calculators that I found in other threads of this forum) that the tax would be about 7.2%. Does this percentage cover federal taxes, cantonal taxes and municipality taxes. (I am talking about this calculator: https://en.comparis.ch/steuern/quell...r/default.aspx)

I would also like to know if there are any other withholdings in my salary (for pension, or other reasons). I know that I will be paying for health insurance, but as a foreigner will I have to pay for pensions etc?

I am sorry for the long post and for asking so many questions (especially if some of them have already been answered).
Reply With Quote
  #2  
Old 17.05.2012, 12:54
Member
 
Join Date: Jul 2011
Location: Zürich
Posts: 163
Groaned at 0 Times in 0 Posts
Thanked 66 Times in 49 Posts
azt33 has earned some respectazt33 has earned some respect
Re: Taxes and more for EU citizen in Zurich

I also live in ZH, and pay Quellensteuer. Apart from that, you also pay for your pension. In total, about 20% is deducted from your salary (in my case, I live in city Zurich).
Reply With Quote
  #3  
Old 17.05.2012, 12:59
Newbie
 
Join Date: May 2012
Location: Zurich
Posts: 8
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
wrath has no particular reputation at present
Re: Taxes and more for EU citizen in Zurich

Thank you very much for your answer!
So, from what I get this ~20% will be all that would be deducted from my salary (I will live in Zurich city too). It is not that bad :-)
Reply With Quote
  #4  
Old 17.05.2012, 13:01
Member
 
Join Date: Jul 2011
Location: Zürich
Posts: 163
Groaned at 0 Times in 0 Posts
Thanked 66 Times in 49 Posts
azt33 has earned some respectazt33 has earned some respect
Re: Taxes and more for EU citizen in Zurich

Yes, I think that's a safe number to take
And I agree, it could be much much worse
Reply With Quote
  #5  
Old 17.05.2012, 13:07
Newbie
 
Join Date: May 2012
Location: Zurich
Posts: 8
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
wrath has no particular reputation at present
Re: Taxes and more for EU citizen in Zurich

I would like to ask you one more question, in case you know. What happens if I decide to take my car with me in Switzerland? Do I have to pay customs, etc, and do I pay extra taxes because of this possession (I mean apart from insurance). Thank again for your help!!
Reply With Quote
  #6  
Old 17.05.2012, 15:57
Member
 
Join Date: Jul 2011
Location: Zürich
Posts: 163
Groaned at 0 Times in 0 Posts
Thanked 66 Times in 49 Posts
azt33 has earned some respectazt33 has earned some respect
Re: Taxes and more for EU citizen in Zurich

With that I cannot really help you unfortunately, since I have no experience with that. I believe you do have to pay some customs, and it needs to be according to Swiss standards. From what I read, this can be quite expensive... Perhaps you have a possibility of selling it and buying a car here?
Reply With Quote
  #7  
Old 17.05.2012, 16:02
Newbie
 
Join Date: May 2012
Location: Zurich
Posts: 8
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
wrath has no particular reputation at present
Re: Taxes and more for EU citizen in Zurich

Yes iit makes sense to pay customs etc, but I don't know if that would (in the end) be more expensive than buying a car in Switzerland. I will figure it out when I come there I believe
Thank you once again for your answers, they were really helpful!
Reply With Quote
  #8  
Old 17.05.2012, 20:26
Junior Member
 
Join Date: May 2012
Location: Ecublens, Lausanne, VD
Posts: 49
Groaned at 0 Times in 0 Posts
Thanked 31 Times in 20 Posts
photonion has no particular reputation at present
Re: Taxes and more for EU citizen in Zurich

Quote:
View Post
I would like to ask you one more question, in case you know. What happens if I decide to take my car with me in Switzerland? Do I have to pay customs, etc, and do I pay extra taxes because of this possession (I mean apart from insurance). Thank again for your help!!
Hi there wrath and hope the best for you for your studies!
Concerning the car issue:

You can have your EU car in Switzerland legally for 1 year. During this year you are supposed to switch from EU plates to swiss plates. If you do this exchange within the 1st year of your stay in Switzerland you will NOT have to pay import duties (which is around 8-10% of the current car's value), but you will only have to pay the swiss plates (around 60-90 CHF) and of course the 'circulation' tax that is defferent for every canton and hugely depends on the vehicle. For small city cars expect from 100-300 CHF (per year), but once you step up in horsepower or vehicle weight expect even higher charges. You can find more information at your canton's website. If you were in Vaud I would be able to help you a lot more.

Now, if you don't change plates (you have to change driver's license as well, don't forget that) within the first year, you will have to pay import taxes and also deal with the bureaucracy of getting the car to the customs, having evaluated and tested etc... It's a fuss... Finally, you can do nothing and pray you don't caught or pretend you are tourist :-), which won't work as they always check your data and will know if you are a resident or not.

If you have any further questions feel free to ask!
Reply With Quote
  #9  
Old 17.05.2012, 20:48
Newbie
 
Join Date: May 2012
Location: Zurich
Posts: 8
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
wrath has no particular reputation at present
Re: Taxes and more for EU citizen in Zurich

Quote:
View Post
Hi there wrath and hope the best for you for your studies!
Concerning the car issue:

You can have your EU car in Switzerland legally for 1 year. During this year you are supposed to switch from EU plates to swiss plates. If you do this exchange within the 1st year of your stay in Switzerland you will NOT have to pay import duties (which is around 8-10% of the current car's value), but you will only have to pay the swiss plates (around 60-90 CHF) and of course the 'circulation' tax that is defferent for every canton and hugely depends on the vehicle. For small city cars expect from 100-300 CHF (per year), but once you step up in horsepower or vehicle weight expect even higher charges. You can find more information at your canton's website. If you were in Vaud I would be able to help you a lot more.

Now, if you don't change plates (you have to change driver's license as well, don't forget that) within the first year, you will have to pay import taxes and also deal with the bureaucracy of getting the car to the customs, having evaluated and tested etc... It's a fuss... Finally, you can do nothing and pray you don't caught or pretend you are tourist :-), which won't work as they always check your data and will know if you are a resident or not.

If you have any further questions feel free to ask!
Hi photonion thank you very much for your answer and your kind wishes

Thank you for the very clear and detailed description of the situation regarding the car, it is very useful! I would like to ask you a question, regarding a "technicality". The "one year" time you mentioned I have, in order to change my plates, when does it start? Does it start from the moment I become resident of a town (let's say Zurich) or from the time I bring the car to Switzerland?
To make my self a bit more clear, I thought of not bringing the car with me, at first, in order to see at first if I need it and if I can afford it as well.. So let 's say that I decide to bring the car 4 months after my arrival at Zurich. Would I have one year from then, or from the moment I arrived at Zurich (i.e. 8 more months)? I know it is a minor detail what I am asking you, I just thought you might know.

Thank you very much for your answers and for your time!!
Reply With Quote
  #10  
Old 17.05.2012, 21:13
Junior Member
 
Join Date: May 2012
Location: Ecublens, Lausanne, VD
Posts: 49
Groaned at 0 Times in 0 Posts
Thanked 31 Times in 20 Posts
photonion has no particular reputation at present
Re: Taxes and more for EU citizen in Zurich

Quote:
View Post
Hi photonion thank you very much for your answer and your kind wishes

Thank you for the very clear and detailed description of the situation regarding the car, it is very useful! I would like to ask you a question, regarding a "technicality". The "one year" time you mentioned I have, in order to change my plates, when does it start? Does it start from the moment I become resident of a town (let's say Zurich) or from the time I bring the car to Switzerland?
To make my self a bit more clear, I thought of not bringing the car with me, at first, in order to see at first if I need it and if I can afford it as well.. So let 's say that I decide to bring the car 4 months after my arrival at Zurich. Would I have one year from then, or from the moment I arrived at Zurich (i.e. 8 more months)? I know it is a minor detail what I am asking you, I just thought you might know.

Thank you very much for your answers and for your time!!

Hi again wrath and thank you for your kind comments.

Concerning the time, it's quite clear.
You have 1 year from the time you are registered at your town hall, that is, 1 year from the date that will be inscribed as your 'entry in Switzerland' date in your Permit (you will most probably get a B type permit). If for example you are registered at 10.09.2012 at your town hall, you will have time until 10.09.2013 to bring your car and change your driver's license. Even if you bring your car for example at 09.09.2013, you will only have 1 day to register it and not a year after that.
Concerning the driver's license the same date applies, but, out of personal experience, I can tell you that even if you do it a bit later they won't have much of a problem (at least in the french speaking part). Personally I did it after 2+ years and they had no problem at all. Or maybe I was just lucky. Still, they didn't even ask why I hadn't changed earlier. Nevertheless, with the car it's a different story. If you don't do it within the first year, they are not elastic at all. You will have to go through customs which would better be avoided. A friend had to go through this and I know the procedure was a PITA for him. Maybe you will find it better to get a new (or used) car from here!
Hope I helped you. Don't hesitate to ask for any other info if I can help!
Reply With Quote
  #11  
Old 17.05.2012, 21:22
Newbie
 
Join Date: May 2012
Location: Zurich
Posts: 8
Groaned at 0 Times in 0 Posts
Thanked 0 Times in 0 Posts
wrath has no particular reputation at present
Re: Taxes and more for EU citizen in Zurich

Quote:
View Post
Hi again wrath and thank you for your kind comments.

Concerning the time, it's quite clear.
You have 1 year from the time you are registered at your town hall, that is, 1 year from the date that will be inscribed as your 'entry in Switzerland' date in your Permit (you will most probably get a B type permit). If for example you are registered at 10.09.2012 at your town hall, you will have time until 10.09.2013 to bring your car and change your driver's license. Even if you bring your car for example at 09.09.2013, you will only have 1 day to register it and not a year after that.
Concerning the driver's license the same date applies, but, out of personal experience, I can tell you that even if you do it a bit later they won't have much of a problem (at least in the french speaking part). Personally I did it after 2+ years and they had no problem at all. Or maybe I was just lucky. Still, they didn't even ask why I hadn't changed earlier. Nevertheless, with the car it's a different story. If you don't do it within the first year, they are not elastic at all. You will have to go through customs which would better be avoided. A friend had to go through this and I know the procedure was a PITA for him. Maybe you will find it better to get a new (or used) car from here!
Hope I helped you. Don't hesitate to ask for any other info if I can help!
Hi photonion, thank you once more for your answer!
Everything is clear to me know, thank you very much for that, you have helped me a lot! I will make sure to have everything done in the first year!

I wish to you all the best!
Reply With Quote
  #12  
Old 17.05.2012, 21:38
Junior Member
 
Join Date: May 2012
Location: Ecublens, Lausanne, VD
Posts: 49
Groaned at 0 Times in 0 Posts
Thanked 31 Times in 20 Posts
photonion has no particular reputation at present
Re: Taxes and more for EU citizen in Zurich

You're welcome wrath!

All the best for your studies! Switzerland is probably the best place in Europe to do a PhD. Enjoy your time and happy publications!
Reply With Quote
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
EU-Citizen and non-EU spouse jjerlich Permits/visas/government 0 09.05.2012 07:17
A non-EU resident, and spouse of EU Citizen doctor2181 Permits/visas/government 11 29.11.2011 01:33
PhD-Student (EU Citizen) dependend visa for wife (Non - EU Citizen) nico1980 Permits/visas/government 2 01.02.2011 09:50
Non-EU citizen married to an EU-citizen. Can she work in Switzerland? yovoda Permits/visas/government 4 10.12.2009 11:01
Non EU-citizen, wife of EU-citizen did not get same permit as husband!!! Marion Permits/visas/government 6 03.05.2007 10:20


All times are GMT +2. The time now is 18:14.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2022, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0