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Old 10.10.2018, 10:55
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All implications by moving from Switzerland to France (but still working in CH)

Hi all,

We are looking for a full list of all implications when moving from Switzerland to France, but both still continue working in Switzerland.

Today, we are paying a significant amount of monthly rent and are considering buying an apartment in France near the Swiss border (frontalier). It makes financially sense if you purely compare the cost of buying (registration fees etc) vs. the current rent. However, I also know that there would be major implications on all kinds of levels such as healthcare, unemployment, taxes, ...

As we are not the first one considering this move, I assumed that it would be easy to find a full list of things to consider so we can do a proper calculation and evaluation, but I cannot seem to find it....


Can anyone help?


Thanks!
Michael
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Old 10.10.2018, 11:12
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Re: All implications by moving from Switzerland to France (but still working in CH)

Depends on your nationality. If you're EU nationals then shouldn't be too difficult. If non-EU's then not possible since you have to have permanent residency in France (minimum of 5 years to get) and live in a border zone for at least 6 months to qualify for a G permit.

https://www.sem.admin.ch/sem/en/home...willigung.html
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Old 10.10.2018, 11:22
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Re: All implications by moving from Switzerland to France (but still working in CH)

We are both EU citizens, yes.
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Old 10.10.2018, 13:05
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Re: All implications by moving from Switzerland to France (but still working in CH)

The best place to start would be with the Groupement transfrontalier européen, as they've got everything you need to know.

The two biggest impacts will be your taxation and your healthcare. From my understanding, if you are a frontalier working in Geneva, you pay your income taxes in Geneva and your social charges in France. This may be higher than the tax burden you have currently, as French social charges are higher than Swiss ones. Note that in the case of unemployment, your unemployment benefits are lower in France than they are in Switzerland.

The second issue is healthcare. You must choose whether you want to become part of the French healthcare system (CPAM) or whether you want to remain in the Swiss system (LAMal). Broadly speaking, the higher your income, the better it is to be in LAMal. Once you make this decision, you cannot change it (except under very rare exceptions) so choose wisely.

Also look into commuting -- I think that border delays are much more common in Geneva than in Basel.

If you have (young) kids, childcare is significantly cheaper in France than in Switzerland. In our case, this saved us thousands of francs a month.
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Old 10.10.2018, 15:04
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Re: All implications by moving from Switzerland to France (but still working in CH)

Isn't the third unemployment benefits/payments? Much higher on Swiss side than French side.
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Old 10.10.2018, 19:41
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Re: All implications by moving from Switzerland to France (but still working in CH)

Quote:
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Isn't the third unemployment benefits/payments? Much higher on Swiss side than French side.

Quote:
Note that in the case of unemployment, your unemployment benefits are lower in France than they are in Switzerland.

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Old 10.10.2018, 21:13
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Re: All implications by moving from Switzerland to France (but still working in CH)

ooops scanned as two main issues, taxation and healthcare- soz.
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