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Old 10.12.2008, 17:18
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Differences between B and L permits

I am one of the many people who have been given an L Permit inspite of having an unlimited contract.

I do understand the basic difference between B and L permits, but how does having an L permit affect me in my daily life, versus a B permit? What are the things that I cannot do, e.g.: can I apply for a credit card, provided I meet the other conditions?
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Old 10.12.2008, 17:36
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Re: Differences between B and L permits

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I am one of the many people who have been given an L Permit inspite of having an unlimited contract.

I do understand the basic difference between B and L permits, but how does having an L permit affect me in my daily life, versus a B permit? What are the things that I cannot do, e.g.: can I apply for a credit card, provided I meet the other conditions?
We were given L Permits in our first year here. Here are some of the problems we experienced:

We couldn't get a mobile phone contract, Swisscom wanted CHF 500 deposit to get our landline connected, two rejected applications for a credit card, renting an apartment was difficult because they will choose people who have permits with a longer duration over you. Ended up renting an expensive apartment that no one else wanted.

I (the spouse) was given a permit that said "without work" instead of "looking for work" that made finding a job impossible.

The next year they issued another L and I complained because my husband's contract was > 1 year. B Permits were then issued for us and I found work 6 days later

I would complain. Good luck !
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Old 10.12.2008, 17:39
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Re: Differences between B and L permits

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I am one of the many people who have been given an L Permit inspite of having an unlimited contract.

I do understand the basic difference between B and L permits, but how does having an L permit affect me in my daily life, versus a B permit? What are the things that I cannot do, e.g.: can I apply for a credit card, provided I meet the other conditions?
The Swiss Government issues the residence permit. Banks and credit-card companies issue credit cards.

Each bank has its own policies. If you already have a credit-card from your previous country, then a Swiss issuer would give you one here.

Ask the various Banks and credit-card companies. Also try the retailers, e.g. CoOp, Manor, Migros, etc.
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Old 10.12.2008, 19:13
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Re: Differences between B and L permits

Of course I know that getting a credit card depends on bank policies, but I am just asking for experiences here and my question is not limited to credit cards, but to all the things that touch your daily life here as a foreigner.

As a non-EU 3rd country national, I also will have to appear for a driving test to change my driving license. Did anyone have a problem with this on an L Permit?
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Old 11.12.2008, 00:18
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Re: Differences between B and L permits

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As a non-EU 3rd country national, I also will have to appear for a driving test to change my driving license. Did anyone have a problem with this on an L Permit?
No, I passed the driving test first go after 4 lessons and not driving for 5 years. The test was from 8-9am during the school/work rush hour and on the first day of snow for the year too

HTH
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Old 12.12.2008, 10:19
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Re: Differences between B and L permits

That is a relief to know!

I also am wondering about the AHV pillars and the unemployment insurance that an employer deducts from one's salary. Are these deductions (and benefits) applicable to L Permit holders too?
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Old 12.12.2008, 11:20
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Re: Differences between B and L permits

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That is a relief to know!

I also am wondering about the AHV pillars and the unemployment insurance that an employer deducts from one's salary. Are these deductions (and benefits) applicable to L Permit holders too?
Every resident must pay taxes. Every employee must pay all social-security contributions. Nationality and permit status are irrelevant.

Contributions to the 3a provident fund are voluntary irrespective of nationality and permit.
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Old 14.12.2008, 19:40
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Re: Differences between B and L permits

But is one entitled to the benefits of the social security contributions just in the same way as a B Permit holder is? I didn't want to assume this to be possible, thus I ask.
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Old 14.12.2008, 20:50
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Re: Differences between B and L permits

L can't claim benefits if you lose your job, but you have to make monthly contributions...go figure that one.
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Old 13.09.2011, 17:31
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Re: Differences between B and L permits

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L can't claim benefits if you lose your job, but you have to make monthly contributions...go figure that one.
is this still valid ? I thought L permit holders can get unemployment benefits.
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  #11  
Old 14.09.2011, 06:58
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Re: Differences between B and L permits

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is this still valid ? I thought L permit holders can get unemployment benefits.
It was never valid given the right circumstances - don't forget there are several different L permits both EU and non EU.
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Old 14.09.2011, 11:05
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Re: Differences between B and L permits

Hi,
Swissbob, could you please enlighten me: I hold an L permit, my second one. I was told at the Gemeinde that I would get another L (the third one) valid for 6 months, and afterwards I might get the B.
My question is: is it posible? I knew that one could get an L for only 2 years. I am from EU2, Romanian citizen.
On the other hand, my company (HR) says that having an unlimited contract I would get a B, there is no doubt about it.
Thanks

Last edited by greenmount; 14.09.2011 at 11:17.
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Old 14.09.2011, 13:49
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Re: Differences between B and L permits

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Hi,
Swissbob, could you please enlighten me: I hold an L permit, my second one. I was told at the Gemeinde that I would get another L (the third one) valid for 6 months, and afterwards I might get the B.
My question is: is it posible? I knew that one could get an L for only 2 years. I am from EU2, Romanian citizen.
On the other hand, my company (HR) says that having an unlimited contract I would get a B, there is no doubt about it.
Thanks
EU2 are such a special case .

You will get the B permit. There is no "might" about it.
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Old 14.09.2011, 13:58
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Re: Differences between B and L permits

another important difference is that the B permit comes in a boring grey plastic pouch, whereas the L permit comes in a mauve/lavender pouch.
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Old 14.09.2011, 15:05
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Re: Differences between B and L permits

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EU2 are such a special case .

You will get the B permit. There is no "might" about it.
Hah! You tell me..it seems that now we got restrictions that even non-EU don't have! I honestly wish we were out of this EU thing, because either you are a part of it, or you are not - and this seems to be the case re. our work rights not just in CH, but across EU too. But we will show them.
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Old 16.09.2011, 13:53
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Re: Differences between B and L permits

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EU2 are such a special case .

You will get the B permit. There is no "might" about it.
Bob, no. Apparently EU-2 has a "special" agreement with CH, therefore I will get an L for another 6 months (all in all could be 30mth). (as I said, the EU membership brought us NOTHING but trouble, travelling free of visas in the EU was some years prior to our accesion). More restrictions than for the non-EU??? This is outrageous.
The good news is, though, after that they cannot deny my B permit.
Of course I dont' care too much, it is only a question of principles...

LE: We are not that special. One of my colleagues is coming from EU-8 and last year he got the same permit. Probably it was just before the restrictions for the EU-8 have been lifted. Not that I feel better...well, in fact I don't really care, it is only some bureaucratic stuff.

Last edited by greenmount; 16.09.2011 at 14:21.
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