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  #41  
Old 27.07.2021, 09:56
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Re: Remote Job Offer - where to live?

Your budget is off.

Health insurance (basic mandatory) is minimum 300 - 350 per person, so 600 - 700 CHF
Internet / wifi 100 CHF per month
Mobile phones 50 CHF per month per person so 100 CHF
Food will be the very strict minimum of 100 CHF a week for 2 people and that’s Lidl/Aldi with a calculator

Forget utilities, they are usually part of the rent

TV licence is 37 CHF per month

And most important point, where are your taxes in that calculation?
The employer will deduct at source.

Also….. there’s a catch with the concubine permit.
You pay tax as if you were alone/single.
You cannot deduct your partner as a dependent.

You’ve got to add liability insurance (mandatory as a renter)
Think of your rent deposit (3 months rent or use swisscaution.ch)
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  #42  
Old 27.07.2021, 09:57
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Re: Remote Job Offer - where to live?

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Just at a glance, Medical does not work. The cheapest premium in Zürich assuming you are 30ish is 275 with a 2500 CHF franchise per person. A simple doc visit may set you back a few 100s so I would factor in the proper costs and something monthly to cover the deductible.
That category for me falls under emergency expenses, not something I have to budget for.

I do have savings for that kind of situation (health issues, sudden loss of job, washing machine breaks down etc,)

In regards to this type of budget, I just calculate fixed/non-fixed costs of day-to-day life.
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  #43  
Old 27.07.2021, 10:00
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Re: Remote Job Offer - where to live?

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Your budget is off.

Health insurance (basic mandatory) is minimum 300 - 350 per person, so 600 - 700 CHF
Internet / wifi 100 CHF per month
Mobile phones 50 CHF per month per person so 100 CHF
Food will be the very strict minimum of 100 CHF a week for 2 people and that’s Lidl/Aldi with a calculator
My partner has savings and they will be paying their health insurance.

I will be paying rent and bills.


Quote:
And most important point, where are your taxes in that calculation?
The employer will deduct at source.

Also….. there’s a catch with the concubine permit.
You pay tax as if you were alone/single.
You cannot deduct your partner as a dependent.
That salary is already net salary after taxes with withholding tax deducted for a single person.
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  #44  
Old 27.07.2021, 10:00
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Re: Remote Job Offer - where to live?

If you take the minimum savings on health insurance, cicra 300 to 350 per oerson per month, you’ll have a very high deductible to pay first before the health insurance starts paying (circa 2000 to 2500 CHF), per person
Check here: comparis.ch
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  #45  
Old 27.07.2021, 10:05
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Re: Remote Job Offer - where to live?

If your partner cannot work due to a permit B concubine without lucrative activity, then his savings will run out.
Keep this in mind.

I am not trying to discourage you, I’m just trying to point out what you are up against. If you are aware beforehand you can plan accordingly and make it work.
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  #46  
Old 27.07.2021, 10:31
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Re: Remote Job Offer - where to live?

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If your partner cannot work due to a permit B concubine without lucrative activity, then his savings will run out.
Keep this in mind.

I am not trying to discourage you, I’m just trying to point out what you are up against. If you are aware beforehand you can plan accordingly and make it work.
Absolutely I appreciate your observations.

I won't be applying for the concubine as it doesn't make sense for them not to be able to work.

As others have pointed out, my best approach would be to aim for an extension of B-Permit under my financial guarantee.

If that is not possible, I won't be considering the concubine permit as they are EU and have the right to live and work in Switzerland, even if just for 180 days.

We'll make our consideration at that point.
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  #47  
Old 27.07.2021, 10:45
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Re: Remote Job Offer - where to live?

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If your partner cannot work due to a permit B concubine without lucrative activity, then his savings will run out.
Keep this in mind.

I am not trying to discourage you, I’m just trying to point out what you are up against. If you are aware beforehand you can plan accordingly and make it work.
As far as I understand it, the partner is from an EU country. So they might receive an L permit (jobseeker) if he cannot provide for her/him. So I think the concubine permit is not an issue in this case since both are EU nationals.
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  #48  
Old 27.07.2021, 10:50
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Re: Remote Job Offer - where to live?

Jobseeker permit is 3 months to find a job.
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  #49  
Old 27.07.2021, 11:28
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Re: Remote Job Offer - where to live?

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If you take the minimum savings on health insurance, cicra 300 to 350 per oerson per month, you’ll have a very high deductible to pay first before the health insurance starts paying (circa 2000 to 2500 CHF), per person
Check here: comparis.ch
Minimum health insurance is significantly less than that. I'm paying 220 in Aargau. Imagine in central Switzerland you might still be able to get a price starting with a 1
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  #50  
Old 27.07.2021, 11:28
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Re: Remote Job Offer - where to live?

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Your budget is off.

Health insurance (basic mandatory) is minimum 300 - 350 per person, so 600 - 700 CHF
Internet / wifi 100 CHF per month
Mobile phones 50 CHF per month per person so 100 CHF
Food will be the very strict minimum of 100 CHF a week for 2 people and that’s Lidl/Aldi with a calculator

Forget utilities, they are usually part of the rent

TV licence is 37 CHF per month

And most important point, where are your taxes in that calculation?
The employer will deduct at source.

Also….. there’s a catch with the concubine permit.
You pay tax as if you were alone/single.
You cannot deduct your partner as a dependent.

You’ve got to add liability insurance (mandatory as a renter)
Think of your rent deposit (3 months rent or use swisscaution.ch)
I think the internet and phone fees are too high. It's possible to get them for half the price. The food is likely to be much more. Also tv license fee was reduced a few years ago and is payable once per year. As for utilities, electricity is not always included in rent. Mine is about 50 chf per month
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  #51  
Old 27.07.2021, 11:31
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Re: Remote Job Offer - where to live?

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That salary is already net salary after taxes with withholding tax deducted for a single person.
Is your salary for 12 months or 13 months? Most Swiss salaries are 13 months but if you are paid by an overseas company and not a local subsidiary it is likely 12 months.

If it is 13 months, you need to check your calculations again
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  #52  
Old 27.07.2021, 11:36
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Re: Remote Job Offer - where to live?

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Minimum health insurance is significantly less than that. I'm paying 220 in Aargau. Imagine in central Switzerland you might still be able to get a price starting with a 1
comparis.ch
You can type in age, canton and desired coverage.
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  #53  
Old 27.07.2021, 13:12
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Re: Remote Job Offer - where to live?

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As far as I understand it, the partner is from an EU country. So they might receive an L permit (jobseeker) if he cannot provide for her/him. So I think the concubine permit is not an issue in this case since both are EU nationals.
Yes my partner is EU.

They are eligible for L permit for 180 days, what I am trying to figure out is what would happen under worst case scenario that they cannot find a job by that date.

I would like them to start with L-permit and then ask extension for B-Permit under my guarantees, or financially guarantee for them from the get-go but with a permit that would allow them to work.
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  #54  
Old 27.07.2021, 13:17
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Re: Remote Job Offer - where to live?

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I am worried about everyone flagging how difficult it is to rent, not sure how to handle that aspect I will need to do more research
Most people want to live in the city or very close to it and it takes time to find something.

However if you go a bit further away from the city you will definitely find something. You can even decrease your budget for rent from 2000 to 1000-1500 CHF. Canton Aargau is a good candidate, search Rupperswil or around it. I would go with such an option and later I would look for something I like better. Eventually when you get a new job which is not entirely remote.
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  #55  
Old 27.07.2021, 14:04
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Re: Remote Job Offer - where to live?

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Imagine in central Switzerland you might still be able to get a price starting with a 1
I can confirm.

I don't understand the OP is considering Ticino but not Zentralschweiz.

Also people above quoting internet and mobile phone prices: Less than half those prices are possible. 100CHF for internet? Wtf who pays that? :/
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  #56  
Old 27.07.2021, 22:05
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Re: Remote Job Offer - where to live?

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comparis.ch
You can type in age, canton and desired coverage.
Comparis is for-pay to get listed, especially the inexpensive ones may decide to forego the unnecessary cost.

priminfo on the other hand is by the federal government, it lists all providers in the area you name
https://www.priminfo.admin.ch/de/praemien
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Also people above quoting internet and mobile phone prices: Less than half those prices are possible. 100CHF for internet? Wtf who pays that? :/
Agreed, communication cost listed is twice the expenses for food. Seems rather lopsided, many people are much better off with a prepaid solution (and there's no minimal duration to boot).
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  #57  
Old 27.07.2021, 23:00
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Re: Remote Job Offer - where to live?

Prepaid is very expensive per second when phoning internationally.
Whatsapp is always an option, but if you’ve got elderly family abroad you might be better off with an all Europe inclusive phone deal.
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  #58  
Old 28.07.2021, 00:30
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Re: Remote Job Offer - where to live?

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Prepaid is very expensive per second when phoning internationally.
Whatsapp is always an option, but if you’ve got elderly family abroad you might be better off with an all Europe inclusive phone deal.
I have a plan and the only reason it costs a little more is that I wanted to include data in the EU (didn't think the Covid crap would drag on this long) but it's still only 15 per month rather than the 50 mentioned above. You should switch when the contract runs out though.
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  #59  
Old 28.07.2021, 07:38
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Re: Remote Job Offer - where to live?

Thanks everyone, I am falling in love with Thalwil, Horgen, and the like of that area near the lake.

But it seems that I have to opt for a much cheaper town that still has connection to Zurich Airport / Center.

Any suggestions? I have seen suggestion of other cantons but would like to remain within Zurich to not deal with multiple immigrations offices
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  #60  
Old 28.07.2021, 09:25
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Re: Remote Job Offer - where to live?

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Thanks everyone, I am falling in love with Thalwil, Horgen, and the like of that area near the lake.

But it seems that I have to opt for a much cheaper town that still has connection to Zurich Airport / Center.

Any suggestions? I have seen suggestion of other cantons but would like to remain within Zurich to not deal with multiple immigrations offices
Oerlikon and the area just north of Oerlikon (what is that area called EFers?) or Dübendorf - kindly note you won't fall in love with those places, but they are cheaper and close to the airport.
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