Go Back   English Forum Switzerland > Help & tips > Finance/banking/taxation  
Reply
 
Thread Tools Display Modes
  #1  
Old 04.07.2021, 13:29
Junior Member
 
Join Date: Jul 2021
Location: Finland
Posts: 31
Groaned at 3 Times in 1 Post
Thanked 19 Times in 13 Posts
BadgerLady has no particular reputation at present
Cheapest way to get Swiss address

Hi!

I'm an EU citizen and have a work opportunity, for a role that can be completed entirely from home (save people's desire for the occasional face-to-face meeting).

However, for legal reasons my potential employer can only contract Swiss residents and are asking me to relocate for that reason.

I'm extremely on-the-fence about it - single, childless and willing to travel, but I love my home and really don't want to sell up.

So what's the minimum requirement for being "a Swiss resident"? Immigration is no problem (employer has that in hand), but how can I set up a legal address without forking out thousands on rent?

Would love your thoughts!
Reply With Quote
The following 3 users groan at BadgerLady for this post:
  #2  
Old 04.07.2021, 17:50
Member
 
Join Date: Mar 2010
Location: geneve
Posts: 131
Groaned at 0 Times in 0 Posts
Thanked 105 Times in 54 Posts
jim1 has an excellent reputationjim1 has an excellent reputationjim1 has an excellent reputationjim1 has an excellent reputation
Re: Cheapest way to get Swiss address

You’ll need a residence permit and for that you will need an address in CH which means either renting something, or some kind of sub letting agreement. If you don’t actually live there but live in EU you open a Pandora’s box of issues for you and your employer
Reply With Quote
The following 2 users would like to thank jim1 for this useful post:
  #3  
Old 04.07.2021, 17:52
3Wishes's Avatar
Moderately Amused
 
Join Date: Jul 2010
Location: Bern area
Posts: 11,144
Groaned at 87 Times in 83 Posts
Thanked 18,847 Times in 8,391 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: Cheapest way to get Swiss address

Welcome to the Forum.

Assuming you want to go about this the legal way and aren't looking for a loophole...

The cheapest is probably to rent a room in a flat shared with other people. Or rent a studio. Or sublet, but those have their own issues so my personal suggestion would be to avoid it.

Register at the municipality. Sign up and pay for Swiss health insurance (EHIC won't do). Live here, at least the majority of the time. That's the point of a residence permit after all.

If you can work remotely, you don't have to rent right downtown in a "hub" like Zurich. You can live further out, which is cheaper.
Reply With Quote
The following 3 users would like to thank 3Wishes for this useful post:
  #4  
Old 04.07.2021, 17:53
st2lemans's Avatar
Forum Legend
 
Join Date: Dec 2010
Location: Lugano
Posts: 31,577
Groaned at 2,353 Times in 1,711 Posts
Thanked 38,371 Times in 18,109 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: Cheapest way to get Swiss address

Rent, health insurance, taxes, etc.

Tom
Reply With Quote
The following 3 users would like to thank st2lemans for this useful post:
  #5  
Old 04.07.2021, 18:02
Forum Veteran
 
Join Date: Apr 2012
Location: Bern
Posts: 1,782
Groaned at 281 Times in 174 Posts
Thanked 3,552 Times in 1,269 Posts
Susie-Q has a reputation beyond reputeSusie-Q has a reputation beyond reputeSusie-Q has a reputation beyond reputeSusie-Q has a reputation beyond reputeSusie-Q has a reputation beyond reputeSusie-Q has a reputation beyond repute
Re: Cheapest way to get Swiss address

So they are asking you to relocate, but you will somehow trick them into not actually doing so?

And you are asking for our help to do something illegally & screw your employer over? Right ...
Reply With Quote
The following 8 users would like to thank Susie-Q for this useful post:
  #6  
Old 04.07.2021, 18:06
eyebeebe's Avatar
Forum Veteran
 
Join Date: May 2009
Location: Pfäffikon SZ
Posts: 2,059
Groaned at 17 Times in 16 Posts
Thanked 2,670 Times in 1,149 Posts
eyebeebe has a reputation beyond reputeeyebeebe has a reputation beyond reputeeyebeebe has a reputation beyond reputeeyebeebe has a reputation beyond reputeeyebeebe has a reputation beyond repute
Re: Cheapest way to get Swiss address

Do you expect to be paid a Swiss salary or a Finnish one?
Reply With Quote
The following 3 users would like to thank eyebeebe for this useful post:
  #7  
Old 04.07.2021, 18:11
Senior Member
 
Join Date: Apr 2020
Location: Baselland
Posts: 358
Groaned at 9 Times in 7 Posts
Thanked 475 Times in 232 Posts
LtSoftDrink has a reputation beyond reputeLtSoftDrink has a reputation beyond reputeLtSoftDrink has a reputation beyond reputeLtSoftDrink has a reputation beyond repute
Re: Cheapest way to get Swiss address

I'm old enough to remember the phrase "badger game"
Reply With Quote
  #8  
Old 04.07.2021, 18:32
Junior Member
 
Join Date: Jul 2021
Location: Finland
Posts: 31
Groaned at 3 Times in 1 Post
Thanked 19 Times in 13 Posts
BadgerLady has no particular reputation at present
Re: Cheapest way to get Swiss address

Quote:
View Post
So they are asking you to relocate, but you will somehow trick them into not actually doing so?

And you are asking for our help to do something illegally & screw your employer over? Right ...
Nope! Thanks for making the assumption though

In case it wasn't clear, I'm trying to work out what I should do with the next X years of my life. People on this thread might be able to convince me:
- Switzerland is the best place in the whole world - you should totally sell up and never look back, or
- Get yourself a crash pad near the office but keep your life in Finland to go back to, or
- Forget it - the job isn't worth it, turn it down and look for something else.

Weirdly I actually don't need a residence permit (the employer has international powers beyond Swiss immigration), but that doesn't affect the need to pay tax, social security, health insurance etc.
Reply With Quote
  #9  
Old 04.07.2021, 18:34
Forum Legend
 
Join Date: Oct 2014
Location: Nyon
Posts: 4,853
Groaned at 244 Times in 178 Posts
Thanked 6,588 Times in 3,104 Posts
bowlie has a reputation beyond reputebowlie has a reputation beyond reputebowlie has a reputation beyond reputebowlie has a reputation beyond reputebowlie has a reputation beyond reputebowlie has a reputation beyond repute
Re: Cheapest way to get Swiss address

Do a search for Swiss mailing address.
Reply With Quote
  #10  
Old 04.07.2021, 18:36
MidfieldGeneral's Avatar
Forum Veteran
 
Join Date: Oct 2008
Location: Zürich
Posts: 1,498
Groaned at 92 Times in 85 Posts
Thanked 3,071 Times in 1,244 Posts
MidfieldGeneral has a reputation beyond reputeMidfieldGeneral has a reputation beyond reputeMidfieldGeneral has a reputation beyond reputeMidfieldGeneral has a reputation beyond reputeMidfieldGeneral has a reputation beyond reputeMidfieldGeneral has a reputation beyond repute
Re: Cheapest way to get Swiss address

Quote:
View Post
Nope! Thanks for making the assumption though

In case it wasn't clear, I'm trying to work out what I should do with the next X years of my life. People on this thread might be able to convince me:
- Switzerland is the best place in the whole world - you should totally sell up and never look back, or
- Get yourself a crash pad near the office but keep your life in Finland to go back to, or
- Forget it - the job isn't worth it, turn it down and look for something else.

Weirdly I actually don't need a residence permit (the employer has international powers beyond Swiss immigration), but that doesn't affect the need to pay tax, social security, health insurance etc.

hmm.

for chf 1000 per month max you can get a room in a flat in CH near the office, you may even like it here, why wouldn't you give it a shot?
Reply With Quote
  #11  
Old 04.07.2021, 18:37
Forum Veteran
 
Join Date: Apr 2012
Location: Bern
Posts: 1,782
Groaned at 281 Times in 174 Posts
Thanked 3,552 Times in 1,269 Posts
Susie-Q has a reputation beyond reputeSusie-Q has a reputation beyond reputeSusie-Q has a reputation beyond reputeSusie-Q has a reputation beyond reputeSusie-Q has a reputation beyond reputeSusie-Q has a reputation beyond repute
Re: Cheapest way to get Swiss address

Quote:
View Post
Nope! Thanks for making the assumption though

In case it wasn't clear, I'm trying to work out what I should do with the next X years of my life. People on this thread might be able to convince me:
- Switzerland is the best place in the whole world - you should totally sell up and never look back, or
- Get yourself a crash pad near the office but keep your life in Finland to go back to, or
- Forget it - the job isn't worth it, turn it down and look for something else.

Weirdly I actually don't need a residence permit (the employer has international powers beyond Swiss immigration), but that doesn't affect the need to pay tax, social security, health insurance etc.
You didn’t say that at all in your original post ... I made zero assumptions.

If you want us to actually give you advice, then you might want to share more rather than asking for loopholes.
Reply With Quote
  #12  
Old 04.07.2021, 18:38
newtoswitz's Avatar
Forum Legend
 
Join Date: Jan 2010
Location: Rapperswil
Posts: 3,724
Groaned at 75 Times in 70 Posts
Thanked 4,509 Times in 2,059 Posts
newtoswitz has a reputation beyond reputenewtoswitz has a reputation beyond reputenewtoswitz has a reputation beyond reputenewtoswitz has a reputation beyond reputenewtoswitz has a reputation beyond reputenewtoswitz has a reputation beyond repute
Re: Cheapest way to get Swiss address

Quote:
View Post
You didn’t say that at all in your original post ...
True, but to be fair neither did she say she wanted to evade tax and lie to the authorities, that was just a bunch of assumptions people leapt to.

Omission doesn't always mean guilt, even on EF.
Reply With Quote
  #13  
Old 04.07.2021, 18:41
newtoswitz's Avatar
Forum Legend
 
Join Date: Jan 2010
Location: Rapperswil
Posts: 3,724
Groaned at 75 Times in 70 Posts
Thanked 4,509 Times in 2,059 Posts
newtoswitz has a reputation beyond reputenewtoswitz has a reputation beyond reputenewtoswitz has a reputation beyond reputenewtoswitz has a reputation beyond reputenewtoswitz has a reputation beyond reputenewtoswitz has a reputation beyond repute
Re: Cheapest way to get Swiss address

Quote:
View Post
Nope! Thanks for making the assumption though

In case it wasn't clear, I'm trying to work out what I should do with the next X years of my life. People on this thread might be able to convince me:
- Switzerland is the best place in the whole world - you should totally sell up and never look back, or
- Get yourself a crash pad near the office but keep your life in Finland to go back to, or
- Forget it - the job isn't worth it, turn it down and look for something else.

Weirdly I actually don't need a residence permit (the employer has international powers beyond Swiss immigration), but that doesn't affect the need to pay tax, social security, health insurance etc.
Why not do point 2 with a view to deciding on point 1 for yourself?

It really depends on what you like about Finland, to do in your life etc.

Personally I love Switzerland, but a lot of what I like about it is perhaps not such a big difference when compared to Finland. Finnish friends often commented that stuff we thought was great compared to the UK, like kids getting more freedom and responsibility, cleanliness, general respect for society, outdoor lifestyle, is not so different for them.
Reply With Quote
This user would like to thank newtoswitz for this useful post:
  #14  
Old 04.07.2021, 18:46
Senior Member
 
Join Date: Apr 2020
Location: Baselland
Posts: 358
Groaned at 9 Times in 7 Posts
Thanked 475 Times in 232 Posts
LtSoftDrink has a reputation beyond reputeLtSoftDrink has a reputation beyond reputeLtSoftDrink has a reputation beyond reputeLtSoftDrink has a reputation beyond repute
Re: Cheapest way to get Swiss address

Quote:
View Post
Nope! Thanks for making the assumption though

In case it wasn't clear, I'm trying to work out what I should do with the next X years of my life. People on this thread might be able to convince me:
- Switzerland is the best place in the whole world - you should totally sell up and never look back, or
- Get yourself a crash pad near the office but keep your life in Finland to go back to, or
- Forget it - the job isn't worth it, turn it down and look for something else.

Weirdly I actually don't need a residence permit (the employer has international powers beyond Swiss immigration), but that doesn't affect the need to pay tax, social security, health insurance etc.
Due to all the relevant details of your personal circumstances, I’m glad to confirm that Switzerland is the best place in the whole world - you should totally sell up and can always look back later.
As the employer has international powers beyond Swiss immigration and you don’t actually need a residence permit, I’d get them to arrange exemption from taxation, social security, health insurance etc. as well... welcome to paradise
Reply With Quote
  #15  
Old 04.07.2021, 18:47
Junior Member
 
Join Date: Jul 2021
Location: Finland
Posts: 31
Groaned at 3 Times in 1 Post
Thanked 19 Times in 13 Posts
BadgerLady has no particular reputation at present
Re: Cheapest way to get Swiss address

Quote:
View Post
Why not do point 2 with a view to deciding on point 1 for yourself?
Thank you! Yeah, that's really what I was leaning towards, hence "cheapest way to live". It's going to be a struggle to continue paying my mortgage back home whilst also forking out CHF1000 for a rental apartment, but I also know that pitching up a tent isn't going to get me registered as a resident

Quote:
View Post
Personally I love Switzerland, but a lot of what I like about it is perhaps not such a big difference when compared to Finland. Finnish friends often commented that stuff we thought was great compared to the UK, like kids getting more freedom and responsibility, cleanliness, general respect for society, outdoor lifestyle, is not so different for them.
Thanks again! I suppose my concern is about culture. I really love being around other shy introverts who are socially-minded and believe in equality and fairness for all. Reading information about Switzerland online it always seems to antagonistic and exclusionary. Even in this thread people have seemed quite accusatory and defensive, and that seems like an uncomfortable society to live in.
Reply With Quote
This user would like to thank BadgerLady for this useful post:
  #16  
Old 04.07.2021, 18:49
Junior Member
 
Join Date: Jul 2021
Location: Finland
Posts: 31
Groaned at 3 Times in 1 Post
Thanked 19 Times in 13 Posts
BadgerLady has no particular reputation at present
Re: Cheapest way to get Swiss address

Quote:
View Post
Due to all the relevant details of your personal circumstances, I’m glad to confirm that Switzerland is the best place in the whole world - you should totally sell up and can always look back later.
Haha, straight to the point!

Ooooh it's a hard choice. I've spent my whole adult life moving around, chasing opportunities, going through immigration again and again... I finally found my dream house in a wonderful community and imagined I would retire here (yes I'm only 38).
Reply With Quote
The following 2 users would like to thank BadgerLady for this useful post:
  #17  
Old 04.07.2021, 18:50
Medea Fleecestealer's Avatar
Forum Legend
 
Join Date: Jul 2011
Location: Switzerland
Posts: 22,126
Groaned at 406 Times in 315 Posts
Thanked 17,100 Times in 9,620 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: Cheapest way to get Swiss address

Quote:
View Post
Weirdly I actually don't need a residence permit (the employer has international powers beyond Swiss immigration), but that doesn't affect the need to pay tax, social security, health insurance etc.
Weirdly, actually you do because without one you can't be a resident here and can't work here, simple as that.

Like it or not, you're going to have to rent some place here so you can register as being resident to get your permit. You'll also need health insurance (as said EHIC doesn't cover it) and you'll be taxed at source unless you're going to be earning over 120k a year in which case you'll have to fill out a Swiss tax return.

You don't say where the location is, but there are plenty of sites to check for accommodation.

immoscout24.ch
immostreet.ch
homegate.ch
home.ch

For private rentals, i.e. not through an agency:

petitesannonces.ch
anibis.ch

As said look for a studio or 1-bed place to rent.

If you want to be really cheap and have a room in a shared place then:

www.wgzimmer.ch

is the place to use.
Reply With Quote
  #18  
Old 04.07.2021, 18:52
Junior Member
 
Join Date: Jul 2021
Location: Finland
Posts: 31
Groaned at 3 Times in 1 Post
Thanked 19 Times in 13 Posts
BadgerLady has no particular reputation at present
Re: Cheapest way to get Swiss address

Quote:
View Post

The cheapest is probably to rent a room in a flat shared with other people. Or rent a studio. Or sublet, but those have their own issues so my personal suggestion would be to avoid it.

Register at the municipality. Sign up and pay for Swiss health insurance (EHIC won't do). Live here, at least the majority of the time. That's the point of a residence permit after all.

If you can work remotely, you don't have to rent right downtown in a "hub" like Zurich. You can live further out, which is cheaper.
Thank you! Yes, I was wondering about going out into the countryside which is more my speed. At the same time, it seems silly to relocate and yet not be close to the office. Gah I do hate offices and cities though
Reply With Quote
This user would like to thank BadgerLady for this useful post:
  #19  
Old 04.07.2021, 18:55
3Wishes's Avatar
Moderately Amused
 
Join Date: Jul 2010
Location: Bern area
Posts: 11,144
Groaned at 87 Times in 83 Posts
Thanked 18,847 Times in 8,391 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: Cheapest way to get Swiss address

Quote:
View Post
Weirdly I actually don't need a residence permit (the employer has international powers beyond Swiss immigration), but that doesn't affect the need to pay tax, social security, health insurance etc.
Sounds like a UN job? In that case, go for it. Actually even if not, go for it if the salary and other conditions are good!

You don't necessarily have to give up everything in Finland. You can commit mentally to a year or two and see how it goes. You can probably rent out the Finnish place while you're here, or keep it as a place to go back to regularly.
Reply With Quote
  #20  
Old 04.07.2021, 18:55
Junior Member
 
Join Date: Jul 2021
Location: Finland
Posts: 31
Groaned at 3 Times in 1 Post
Thanked 19 Times in 13 Posts
BadgerLady has no particular reputation at present
Re: Cheapest way to get Swiss address

Quote:
View Post
Weirdly, actually you do because without one you can't be a resident here and can't work here, simple as that
I'm trying very hard not to name them... but this is an organisation that has unique status, like an embassy, and can issue its own residency passes without going through the Swiss government.

Thanks for the tips on accommodation though!
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
Vpn with Swiss static IP address PoppyGirl TV/internet/telephone 17 05.06.2021 14:41
Does anyone have a Swiss address for XE? banjo67xxx Finance/banking/taxation 22 18.08.2015 21:04
Cheapest way Zurich to Geneve?Anyone can give a ride?Cheapest place to stay 1night 2p Pikaxu Transportation/driving 38 07.02.2015 00:16
What is the cheapest way to transfer money from UK to Swiss bank account? Savski Finance/banking/taxation 40 13.11.2011 11:28
Cheapest price for your swiss health insurance ! Lemanik Commercial 13 24.06.2010 09:54


All times are GMT +2. The time now is 21:40.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2021, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0