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Old 14.08.2021, 17:00
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Re: To rent or not to rent?

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Nidwalden it is then
Besides the cantonal tax, you will need to look at the municipal tax, which is why Urs Max wrote
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The income tax scale varies by Canton. The tax rate applied within that scale varies by Canton and commune. Plus, Switzerland taxes wealth, for which the tax scale and rate varies by Canton. Wealth tax may be more important to you.
I posted, above:
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Of course, you'd need to check each canton's and each municipality's tax rates. You can do that here:
https://en.comparis.ch/steuern/steuervergleich/default
Here, Urs Max and I are using "commune" (the French term) and "municipality" interchangably. The German word is "Gemeinde".

For Nidwalden, for example, you can see a list of the rather disparate rates for each municipality here: https://www.steuern-nw.ch/privatpersonen/steuertarife/, under "Steuerfüsse 2021".
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  #62  
Old 14.08.2021, 17:16
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Re: To rent or not to rent?

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If I were you I would pick a low tax canton and then look for a remote village and rent a small flat there, like a one bedroom. That should not cost more than 800 CHF.

Then I would take a different van - one that makes you agile and nimble like a VW California T6 - it is slightly bigger than a normal car, can drive it everywhere and park it in town centres. Granted it is not as comfy but can reall, explore and move around which you will not be able to do with the trailer you mentioned. Add 2 electrict bikes and it works well. Perhaps then once in a while splurge on a nice hotel night or two for proper bed feel.

K
This. All of it. Thank you, kri.

A proper base for the purposes of being properly registered in Switzerland, to dump your gear for the "other" season, and to retreat to, if you find you need a break, in addition to or as an alternative to the nice hotel once in a while.

After all, the distances are so short here that, within a matter of a few hours, one can transverse the whole country, easily, as long as the vehicle is not too long and heavy.

I understand, OP, that you feel confident of being able to handle the large vehicle/camper you first had in mind. Fair enough, and you know you. I find it interesting, though, that there's a resounding chorus, here on this thread, of people who - even if they're wishing you well and are encouraging you to do the trip - are still recommending that opt for a much, much smaller vehicle. Many roads are narrow, others are windy, there aren't always nifty places to pull off to let the traffic that has built up behind you overtake, and finding parking (even not to stay overnight) will not be straightforward.

Kri's addition of two electro-bicycles is an excellent suggestion! That'd give you the best of all worlds. On some trains, it's permissible to take your bike along (with its own ticket) so that, if you research things well (and there are wonderful marked cycling routes), you might park your van, ride as far as you'd like, and then when you're tired hop on the train and return to your van. This is also usually true on the local city networks, too, as long as it's out of rush-hour.
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  #63  
Old 14.08.2021, 18:14
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Re: To rent or not to rent?

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Besides the cantonal tax, you will need to look at the municipal tax, which is why Urs Max wrote


I posted, above:


Here, Urs Max and I are using "commune" (the French term) and "municipality" interchangably. The German word is "Gemeinde".

For Nidwalden, for example, you can see a list of the rather disparate rates for each municipality here: https://www.steuern-nw.ch/privatpersonen/steuertarife/, under "Steuerfüsse 2021".
Wow! This is so helpful. Thank you very much. We are eager to learn. We really like to do our own due diligence as it is so satisfying and gratifying. It helps us properly understand the complexities of Switzerland.

Again, thank you so much.
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  #64  
Old 14.08.2021, 20:57
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Re: To rent or not to rent?

In case you haven't already discovered it, I recommend www.ch.ch, a government umbrella website linking to a lot of useful information.
  1. Permits for foreign nationals without gainful employment
    https://www.ch.ch/en/retirement-or-study-switzerland/

  2. As you have not yet reached the regular retirement age in Switzerland, you will be required to pay social security contributions (in German, "AHV" für Alters- und Hinterlassenenversicherung").
    https://www.ch.ch/en/ahv-persons-not-employment

  3. You will need to show that you have a health insurance policy that also includes accident coverage. Depending on any other cover you may have, elsewhere, you may be granted an exception from buying Swiss medical insurance. Be aware that costs of an emergency can be high, if you aren't properly covered.
    https://www.ch.ch/en/health-insurance-foreigners

  4. Swiss medical insurance (please note that the premiums can vary substantially, not only from canton to canton, but municipality to municipality)
    https://www.ch.ch/en/basic-health-insurance-services/

  5. Here are the types of tax in Switzerland.
    https://www.ch.ch/en/forms-tax

  6. EU citizens who are here for the purposes of employment, have their tax deducted by their employer and paid to the tax authorities. This is called "Quellensteuer", German for source tax. It applies to income below a certain limit, known by some on this forum, in jest, of course, as the "English Forum poverty level", and beyond that one fills out one's own tax return. You will need to check with the tax office where you intend to settle, to see to which specific rules apply to you.
    https://www.ch.ch/en/tax-source/

  7. Here is information about Swiss tax returns:
    https://www.ch.ch/en/tax-returns/

  8. Here are some tax calculators of how much tax will be charged. You will need to check whether your particular situation is covered by these and, if not, make enquiries at a tax office where you think you might settle, as they will probably gladly explain to you how you can pay your taxes.
    https://www.ch.ch/en/tax-calculator/

  9. Importing your personal, used goods, when moving to Switzerland
    https://www.ch.ch/en/moving-switzerland

  10. Entering Switzerland with a motor vehicle
    https://www.ch.ch/en/importations-cars-switzerland/

  11. Driver's licence
    https://www.ch.ch/en/driving-licence/

  12. Road traffic and fines
    https://www.ch.ch/en/how-behave-road-traffic/
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  #65  
Old 14.08.2021, 22:24
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Re: To rent or not to rent?

Just an FYI, since Pauschalsteuer has been mentioned:

The rules changed on 1 jan 2021. Now a not-gainfully-employed foreigner who wishes to be granted Pauschasteuer status will be taxed at a rate of 7 times expenses, with a minimum taxable base of 400K.

This Swissinfo article discusses how the changes might make Pauschalsteuer less attractive:

https://www.swissinfo.ch/ger/reiche-...itaet/45604878
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  #66  
Old 15.08.2021, 12:21
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Re: To rent or not to rent?

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In case you haven't already discovered it, I recommend www.ch.ch, a government umbrella website linking to a lot of useful information.
  1. Permits for foreign nationals without gainful employment
    https://www.ch.ch/en/retirement-or-study-switzerland/

  2. As you have not yet reached the regular retirement age in Switzerland, you will be required to pay social security contributions (in German, "AHV" für Alters- und Hinterlassenenversicherung").
    https://www.ch.ch/en/ahv-persons-not-employment

  3. You will need to show that you have a health insurance policy that also includes accident coverage. Depending on any other cover you may have, elsewhere, you may be granted an exception from buying Swiss medical insurance. Be aware that costs of an emergency can be high, if you aren't properly covered.
    https://www.ch.ch/en/health-insurance-foreigners

  4. Swiss medical insurance (please note that the premiums can vary substantially, not only from canton to canton, but municipality to municipality)
    https://www.ch.ch/en/basic-health-insurance-services/

  5. Here are the types of tax in Switzerland.
    https://www.ch.ch/en/forms-tax

  6. EU citizens who are here for the purposes of employment, have their tax deducted by their employer and paid to the tax authorities. This is called "Quellensteuer", German for source tax. It applies to income below a certain limit, known by some on this forum, in jest, of course, as the "English Forum poverty level", and beyond that one fills out one's own tax return. You will need to check with the tax office where you intend to settle, to see to which specific rules apply to you.
    https://www.ch.ch/en/tax-source/

  7. Here is information about Swiss tax returns:
    https://www.ch.ch/en/tax-returns/

  8. Here are some tax calculators of how much tax will be charged. You will need to check whether your particular situation is covered by these and, if not, make enquiries at a tax office where you think you might settle, as they will probably gladly explain to you how you can pay your taxes.
    https://www.ch.ch/en/tax-calculator/

  9. Importing your personal, used goods, when moving to Switzerland
    https://www.ch.ch/en/moving-switzerland

  10. Entering Switzerland with a motor vehicle
    https://www.ch.ch/en/importations-cars-switzerland/

  11. Driver's licence
    https://www.ch.ch/en/driving-licence/

  12. Road traffic and fines
    https://www.ch.ch/en/how-behave-road-traffic/
Thank you! We can't thank you enough for this. This is such a treasure trove of information. We're eternally grateful for this help. Have a Sunday as wonderful as you
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  #67  
Old 15.08.2021, 12:52
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Re: To rent or not to rent?

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Just an FYI, since Pauschalsteuer has been mentioned:

The rules changed on 1 jan 2021. Now a not-gainfully-employed foreigner who wishes to be granted Pauschasteuer status will be taxed at a rate of 7 times expenses, with a minimum taxable base of 400K.

This Swissinfo article discusses how the changes might make Pauschalsteuer less attractive:

https://www.swissinfo.ch/ger/reiche-...itaet/45604878
Thank you. This is a great article.

Two questions:

(1) Even though we qualify for it, we are not obliged to do a Pauschalsteuer, right?

(2) We can live in a low-tax jurisdiction and go on extended travel vacations through Switzerland, right?
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  #68  
Old 15.08.2021, 13:12
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Re: To rent or not to rent?

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[*]As you have not yet reached the regular retirement age in Switzerland, you will be required to pay social security contributions (in German, "AHV" für Alters- und Hinterlassenenversicherung").
https://www.ch.ch/en/ahv-persons-not-employment
If we used the calculation correctly, AHV wants a lot of money for something we'll never use. Actually, they want more money a year than what our own expenses will be.
My question is:

Let's say that after 5 years (B permit) we decide to leave, do we get this money back?
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  #69  
Old 15.08.2021, 15:42
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Re: To rent or not to rent?

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Thank you. This is a great article.

Two questions:

(1) Even though we qualify for it, we are not obliged to do a Pauschalsteuer, right?

(2) We can live in a low-tax jurisdiction and go on extended travel vacations through Switzerland, right?
Normal taxation is, well, the norm. Pauschalsteuer is an exception.

However it really must be emphasized: If you are in the Pauschalsteuer qualifying range, you really should seek qualified advice.

Switzerland welcomes the UHNW because it generally expects to claim a nice slice of that wealth as the trade-off. If you are concerned about optimization, professional advice would likey be a good investment.
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  #70  
Old 16.08.2021, 21:44
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Re: To rent or not to rent?

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If we used the calculation correctly, AHV wants a lot of money for something we'll never use. Actually, they want more money a year than what our own expenses will be.
My question is:

Let's say that after 5 years (B permit) we decide to leave, do we get this money back?
No, you don't get it back, but it does insure a sliver of a Swiss Old Age Pension, and, for the duration that you have it, it covers you for Disability (which is something). See, however, page 16 of this brochure, made by the AHV itself, about leaving Switzerland. There's also quite a lot of useful information about insurances and living in Switzerland before leaving.
https://www.ahv-iv.ch/p/880.e
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Old 29.08.2021, 11:27
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Re: To rent or not to rent?

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pick a low tax canton and then look for a remote village and rent a small flat there, like a one bedroom.

K
If you were us, which low-tax canton would you choose?
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