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Old 30.09.2009, 19:44
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Trying to get a flat with Pemit G in Geneva

Sorry guys if this has been covered

I have moved to Swiss about a month ago, I am trying to rent a flat in Geneva and I have found one. The relocation company is great and have said I have 1st priority. However I have applied for a permit G due to tax reasons and I will be travelling a lot. My residence is in the UK (I have a house and I do not want to sell as I will loose too much money)
The relo co has said that I will not be accepted due to Permit G.
I have nop reason why, and have I made a mistake here and not getting a Permit B

Any help would be great
Thanks
Mark
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Old 30.09.2009, 19:54
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Re: Trying to get a flat with Pemit G in Geneva

You can still own the house in the UK, applying for a 'B' permit does not mean you have to be disposing of all your wealth outside of Switzerland.

I am sure someone else will be along to post something more definitive from the tax angle.
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Old 30.09.2009, 20:08
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Re: Trying to get a flat with Pemit G in Geneva

A G permit is a Frontalier, or cross-border, permit, which essentially grants one permission to work in Switzerland while living in a neighbouring country. So it's correct that you can't get a flat with this permit, as this permit is granted on the condition that you won't live in Switzerland. (I also think that you have to live in the region of France that borders Geneva to receive this permit, although I can't find a link to that information right now).

As previously stated, you can certainly be domiciled here officially with a B permit and keep your residence in the UK. Most people in your situation would choose to spend at least six months a year in Switzerland so they are taxed here and not in the UK: the savings are not insubstantial. I know many people who rent out their properties in the UK while living in Switzerland, and this arrangement suits them quite well.

It might be worth taking a peek at the Canton of Geneva website for more information on EU work and residence permits.
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Old 30.09.2009, 21:02
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Re: Trying to get a flat with Pemit G in Geneva

Thanks guys.
The company have issued a Gross vs Net salary to me and it works out to be the in region of 41% differance. This is why I went for G as it is not that expensive in the UK. I was expecting approx 22-23% here in Swiss but by the time you have taken Regional Tax and Canton Tax and the social side I find it too expensive. I am on my own so I know it is slightly more but I thought that was ridiculas.
But as for the flat side I see no reason why I can not rent. I will be travelling and back in the UK quite a bit.. There is a masive Expat community in Geneva and I can not be the only one wanting to do this.... HELP
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Old 30.09.2009, 21:18
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Re: Trying to get a flat with Pemit G in Geneva

Here's another useful link, explaining the different types of permits (but in English, if that helps): http://www.justlanded.com/english/Sw...idence-permits

Like the others have said, a G-permit is not a residential one, only a work one. You said you want one for tax reasons; are you planning to stay a UK resident for tax reasons? This would be an 'unusual' choice, as the tax is lower here. And you'll find that HMRC will have their own opinion on your tax residency anyway, based on how many days a year you spend in the UK. It won't matter whether you own a house there.

Health insurance may be another problem here - I'm guessing, but I imagine G-permit holders are expected to have health cover in their country of residence? And the NHS will bar you from cover after 3 months of being out of the country.

If you're working here and planning to live here (ie, keep all your personal stuff here, have it as a postal address) then regardless of how much you travel for your work, a B-permit seems to be the way to go. And yes, you can keep your house in the UK, no problem at all.

kookan

Edit: Just read your latest post before hitting the send button... the difference between your gross and net will include the equivalent of NI and pension contributions as well as tax. Don't forget to deduct UK tax, NI and pension subs to arrive at an equivalent contribution. And like I say, HMRC may decide you're not tax resident there anyway - ultimately it's their choice, not yours!

And the reason you can't rent here is because your permit wouldn't allow you to legally - it's the equivalent of hiring illegal immigrants in the UK, and knowing Switzerland I expect the landlords simply aren't allowed to rent to people with no right of residency. That, and it's a total pain to them as they'll be expecting you to up and leave at a moment's notice, so why should they bother even if they could?
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Old 01.10.2009, 09:29
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Re: Trying to get a flat with Pemit G in Geneva

Quote:
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Thanks guys.
The company have issued a Gross vs Net salary to me and it works out to be the in region of 41% differance. This is why I went for G as it is not that expensive in the UK. I was expecting approx 22-23% here in Swiss but by the time you have taken Regional Tax and Canton Tax and the social side I find it too expensive. I am on my own so I know it is slightly more but I thought that was ridiculas.
But as for the flat side I see no reason why I can not rent. I will be travelling and back in the UK quite a bit.. There is a masive Expat community in Geneva and I can not be the only one wanting to do this.... HELP
With the G permit you are a frontalier and as such expected to live in the area bordering the canton (I think it was 60 km but cannot find this).
You will be taxed at source on your income and it should actually be about the same as if you lived in GVA with a B permit.

Do not understand your gross-net difference that you quote?

So yes, there are lots of expats but they either get a B permit and live in GVA or a G permit and live in neighbouring France. You cannot get a G permit and rent a flat in GVA... because it is not meant to allow you that!

What you can do is ask the authorities for a change from a G to a B permit (typically your company can help you with this) and most of the time it is granted, especially if you are from a EU country.

Ciao

K
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