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Old 06.07.2016, 23:44
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How much to spend on rent ?

Hello everyone, i recently accepted an offer from my company to move to Swiss, more specifically to Zurich, my financial package is around 160k guarantee + variable that runs around 40K, so a potential total package of 200K (gross).
How much would you spend on rent with this financial package, i am considering live in Zurich or Zug (because of the tax benefits).


Thanks in advance for your help.
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Old 06.07.2016, 23:46
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Re: How much to spend on rent ?

Sorry forgot to explain my profile, i will be living with my wife (won't work initially) + my 1 year old baby.
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Old 06.07.2016, 23:55
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Re: How much to spend on rent ?

If you are on a B permit provided by Zurich Kanton..then you will have to live in Zurich.
We received a B from Zug..and had to live in Zug. Might be wrong of course, but that is our experience.
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Old 07.07.2016, 00:06
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Re: How much to spend on rent ?

The country's name is Switzerland.

Assuming you are Brazilian, your permit will be tied to a canton (and employer), i.e. you have to live in the canton of Zurich.

Rule of thumb for rent is 1/3 of (monthly) gross salary. Whether with or without bonus, is up to you, I'd go without but then again I would never rely on any variable salary component. I'd go with max 4000-4500/month. You will have zero problem whatsoever to find an apartment at that salary and that amount of money to spend just on rent (unless of course you saw yourself renting out a 7 BR mansion at the lake)
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Old 07.07.2016, 00:07
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Re: How much to spend on rent ?

Is this a Kanton ZH thing? I know non-EU people working in Kanton SZ with B-permit but living in Kanton ZH.
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Old 07.07.2016, 00:07
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Re: How much to spend on rent ?

1/3 of net pay I'd say...
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Old 07.07.2016, 00:18
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Re: How much to spend on rent ?

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Is this a Kanton ZH thing? I know non-EU people working in Kanton SZ with B-permit but living in Kanton ZH.
No, it's a Swiss thing. It is possible to ask for "Wochenaufenthalt" even as a non-EU afaik, i.e. live in one canton, but work in another. However, the canton that issued the permit (here Zurich) needs to be the one where most time is spent and where there's the so-called "Lebensmittelpunkt" (I have no idea how to translate that, it means where the major aspects of life are, and that is usually where the family/personal life is, not where work is). Following that logic, he cannot live in Zug and work in Zurich, but only the other way around. Since the permit was issued for Zurich, that's where he needs to live.

To be fully sure about that, though, it should be discussed with the migration office.
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Old 07.07.2016, 00:25
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Re: How much to spend on rent ?

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If you are on a B permit provided by Zurich Kanton..then you will have to live in Zurich.
We received a B from Zug..and had to live in Zug. Might be wrong of course, but that is our experience.

Yes you have to live in the canton where your permit is issued from, but I would put it like this - you need to get a permit from the canton where you choose to have your main residence (Hauptwohnsitz) in Switzerland in.

It does not have to be the canton where you work.

If the OP finds his first residence in CH in Zug, then the resdience permit will be from Zug, even though the employer is in Zurich.
If he starts living in Zurich, and wants to move to Zug later, he`ll have to apply for a residence permit from Zug, which is straightforward.
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Old 07.07.2016, 08:37
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Re: How much to spend on rent ?

Let me be the 94th person to point out that the country is Switzerland, Suisse, Swizzera, Schweiz and a few other names - but not "Swiss".

On 160K per year, your monthly income (12 payments) will be about ~10K. You maximum rent should be no more than 1/3 of this. So 3300CHF.
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Old 07.07.2016, 09:26
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Re: How much to spend on rent ?

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Let me be the 94th person to point out that the country is Switzerland, Suisse, Swizzera, Schweiz and a few other names - but not "Swiss".

On 160K per year, your monthly income (12 payments) will be about ~10K. You maximum rent should be no more than 1/3 of this. So 3300CHF.
And depending on the company, the CHF 160k might be paid in 13 times (the 13th in December) so the amount available each month will be less than estimated above.
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Old 07.07.2016, 10:05
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Re: How much to spend on rent ?

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Hello everyone, i recently accepted an offer from my company to move to Swiss, more specifically to Zurich, my financial package is around 160k guarantee + variable that runs around 40K, so a potential total package of 200K (gross).
How much would you spend on rent with this financial package, i am considering live in Zurich or Zug (because of the tax benefits).


Thanks in advance for your help.
About a quarter or a third from your net monthly income, so it should be around 3000 chf, more or less. But depends: if you have a family you can easily surpass this limit, especially if you want to live in the city of Zürich or Zug and not in a smaller place close to these.

Edit: sorry, Notallthere beat me to it.
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Old 07.07.2016, 10:14
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Re: How much to spend on rent ?

Oi Marcelo, tudo bom?

My colleagues that are in a similar situation to yours (young couple with 1 toddler) usually spend around 3.3-3.5k/month in rent here in Zurich.

That's a 2 bedrooms apartment in good areas within 15mins by tram to the centre. If I were you I'd stay within that sort of range even though it seems like you could afford a bit more.

It's better to start life here with a bit of caution until you get used to the cost of living, which is very high!
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Old 07.07.2016, 10:16
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Re: How much to spend on rent ?

Or you decide to live outside of zurich. Good connections to Zurich and less rent to pay.
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Old 07.07.2016, 11:03
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Re: How much to spend on rent ?

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Let me be the 94th person to point out that the country is Switzerland, Suisse, Swizzera, Schweiz and a few other names - but not "Swiss".

On 160K per year, your monthly income (12 payments) will be about ~10K. You maximum rent should be no more than 1/3 of this. So 3300CHF.


I would rather say it will be about 11-11.5K with normal deductions for social security. So you should not go above 3800CHF but for this amount You can rent something nice (not luxury) on the "Golden Coast" (Zollikon, Küsnacht, Erlenbach, Herliberg, Meilen), not far from Zurich City, maybe something like: http://www.homegate.ch/rent/105781070?10
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Old 07.07.2016, 12:19
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Re: How much to spend on rent ?

"Art. 36 Place of residence

Persons with a short stay permit, a residence or a permanent residence permit are free to choose their place of residence within the canton that granted the permit.

Art. 37 Change of the place of residence to another canton

1 Persons with a short stay permit or a residence permit who would like to relocate their place of residence to another canton must apply for the appropriate permit from the new canton beforehand.

2 Persons with a residence permit are entitled to move to another canton provided they are not unemployed and there are no grounds for revocation in terms of Article 62.

3 Persons with a permanent residence permit are entitled to move to another canton, provided there are no grounds for revocation in terms of Article 63."

https://www.admin.ch/opc/en/classifi...index.html#a36

Zurich grants the permit so that's where you should live.
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Old 07.07.2016, 19:58
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Re: How much to spend on rent ?

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The country's name is Switzerland.
Sorry about the Swiss, won't write like this again
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Old 07.07.2016, 20:00
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Re: How much to spend on rent ?

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Let me be the 94th person to point out that the country is Switzerland, Suisse, Swizzera, Schweiz and a few other names - but not "Swiss".
Sorry about that, won't happen again. it was not my intention to offend.
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Old 07.07.2016, 20:14
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Re: How much to spend on rent ?

Thanks for all the answers !! And sorry to wrote Swiss, lesson learned, won't happen again.
I have a person in the Zurich office which is responsible for my transfer, i spent 2 hours talking to him yesterday, where he went through all the important subjects related to the move(housing, taxes, health insurance, etc etc) . i did mentioned my intention to live in Zug and he said that a lot of expats from the company do this, but i will double check this info since the majority of answers wrote that i have to stay in Zurich.
In regards to the value to spend on rent, i decide to go a little bit conservative so i decided for a maximum of 3k if i am able to live in Zug and 2.5k if i have to live in Zurich (to compensate for the higher taxes), even if i have to choose a smaller apartment in the beginning until i get a better sense of the cost of life.
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Old 07.07.2016, 20:27
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Re: How much to spend on rent ?

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Sorry about the Swiss, won't write like this again
Who knows, maybe you've rented a plane?
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Old 07.07.2016, 21:06
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Re: How much to spend on rent ?

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Thanks for all the answers !! And sorry to wrote Swiss, lesson learned, won't happen again.
I have a person in the Zurich office which is responsible for my transfer, i spent 2 hours talking to him yesterday, where he went through all the important subjects related to the move(housing, taxes, health insurance, etc etc) . i did mentioned my intention to live in Zug and he said that a lot of expats from the company do this, but i will double check this info since the majority of answers wrote that i have to stay in Zurich.
In regards to the value to spend on rent, i decide to go a little bit conservative so i decided for a maximum of 3k if i am able to live in Zug and 2.5k if i have to live in Zurich (to compensate for the higher taxes), even if i have to choose a smaller apartment in the beginning until i get a better sense of the cost of life.
Other matters to take into account, availability of car park space and cost. Balcony is desirable especially as your wife and child home. It can be usual to have shared washing machine/dryers so check your usuage times for it, although some newer apartments have them installed individually. It is also usual to have some storage space outside of the apartment, maybe in the basement. Finally check location in relation to church bells, as can be a problem for some particularly in summer with open windows.

Hopefully your agent has informed you of move in costs, deposits, furnishings, light fittings, installation of phone and internet as well as relevant home insurance.
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