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Old 10.09.2019, 12:24
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Change of ownership and other hidden costs

I'm in the process of understanding how much a car really costs. I took a look here and there but I was not able to find out some information.

First of all: change of ownership (or perfecting in certain countries), or better, how much do I have to pay at the moment I get a car? In the country where I am right now, there is a change of ownership tax based on car specs which ranges from 300€ for small utility cars to 1000+€ for bigger/better/faster cars.

Other than that, I read about the cantonal based car ownership tax, but I did not understand if it's transferable. If today I pay that tax and tomorrow I sell the car, will that tax be covered for the rest of the year as well?
Car insurance is not that expensive tho, what if I keep a car for less than a year? Will the excedent amount be lost or is it refundable/transferable to the new car?

Last but not least, parking (ok, I know, this has been already asked tons of times), but I didn't really get how is the situation for residents in Lausanne.

Thanks for your help!!!

Bonus Point: will I feel cold in winter with a soft top MX5?
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Old 10.09.2019, 12:50
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Re: Change of ownership and other hidden costs

You will spend around 100-200 chf for the plate and licence, depending on the canton. There are no eco taxes at this stage.
The tax is not for ownership but for having the car on the road (i.e. with plates) and paid annually. There are calculators in many cantons to know how much it costs but doesn't sound it will cost more than france.
The tax is refundable from the day you deposit the plates at the office to the end of the year if you sell the car, if you transfer the plates to a more ecological car you will get the difference back.
For insurance I'm not 100% sure but like for any insurance you should be able to (would be outrageous otherwise).
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Old 10.09.2019, 13:54
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Re: Change of ownership and other hidden costs

There are no hidden costs when it comes to car ownership in Switzerland

Tax and parking you can all easily know upfront.

Of fuel usage you can do a proper estimate, and when it comes to maintenance this is also just an estimate and a bit of luck.

And an mfk every now and than and about a 100,- to get it on your name and that is all there is. Pretty basic.
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Old 10.09.2019, 14:02
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Re: Change of ownership and other hidden costs

The biggest cost of car ownership is depreciation. Depending on the car, this can dwarf all other costs...
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Old 10.09.2019, 14:09
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Re: Change of ownership and other hidden costs

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...Last but not least, parking (ok, I know, this has been already asked tons of times), but I didn't really get how is the situation for residents in Lausanne.
Parking in any of the bigger cities can be both expensive and a challenge. If you rent a space in the garage of your apartment building, you're probably looking at 120-160 per month. That's if there's a space available.

If you get a monthly pass to park on the street it's usually less than half of that but you don't have a dedicated parking space. You park wherever you can find a spot within your designated zone. You can only park there for a certain amount of time and then you need to move the car. If you go on holiday for a month I think you'd need to leave the keys with a friend so they can move it.

If you don't need a car often, mobility car sharing might be a more affordable option.

I'm pretty sure you can deduct the cost of a public transport pass "GA" but I don't know if you can deduct any car commute expenses.
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Old 10.09.2019, 14:21
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Re: Change of ownership and other hidden costs

First of all, thank you for the many answers you gave me!

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You will spend around 100-200 chf for the plate and licence, depending on the canton. There are no eco taxes at this stage.
Do you mean that each time you buy a car, the plat is changed? Isn't it "bound" to the car?

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And an mfk every now and then and about a 100,- to get it on your name and that is all there is. Pretty basic.
Sorry, I did not understand

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The biggest cost of car ownership is depreciation. Depending on the car, this can dwarf all other costs...
Pacific. I'm gonna buy a 2015 car for that reason. I saw a 50% depreciation in those years, and then a much slower depreciation curve for the next 5/10.

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If you don't need a car often, mobility car sharing might be a more affordable option.
My car will be a luxury, there's no point in avoiding mentioning it. I will be able to live without it for the most, but you know, I do not smoke, I do not drink, I do not gamble, I want to spend some money on something more useless than useful. Anyway thanks for the tip. I won't buy a car the exact day I'll move to Lausanne, so this is rather useful anyway.

More than a home car spot, I would like to know how it works if I use the car to go work. I saw that many parking spot are for a fixed time (like 2hr), how does it work when you are working 9-17?
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Old 10.09.2019, 14:40
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Re: Change of ownership and other hidden costs

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Do you mean that each time you buy a car, the plat is changed? Isn't it "bound" to the car?
Plates belong to the person and not to a car.
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Sorry, I did not understand
Periodic check.
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Old 10.09.2019, 15:30
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Re: Change of ownership and other hidden costs

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Plates belong to the person and not to a car

That's a point I didn't take into consideration, thanks for pointing it out !
Therefore I will pay that 100/200 CHF once, and then I am able to flip the plate from car to car? Is a written communication stating my new car with a given plate is XXX enough or is it more complicate?
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Old 10.09.2019, 15:45
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Re: Change of ownership and other hidden costs

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That's a point I didn't take into consideration, thanks for pointing it out !
Therefore I will pay that 100/200 CHF once, and then I am able to flip the plate from car to car? Is a written communication stating my new car with a given plate is XXX enough or is it more complicate?
written communication?

You will have to pass STVA for every car you want to register to those plates.
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Old 10.09.2019, 16:08
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Re: Change of ownership and other hidden costs

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More than a home car spot, I would like to know how it works if I use the car to go work. I saw that many parking spot are for a fixed time (like 2hr), how does it work when you are working 9-17?
A few lucky souls have parking at work, either for free or for a small fee. Otherwise, you park on the street or in a garage.

In the busiest areas the street spots are probably metered (pay parking) and limited to 2 hours. In residential areas there are usually free blue zones, but whether you can find a spot is another question.

Wherever you choose to park, pay attention to whether the limit is 30 minutes, 1 hour, or 2 hours. Before the time is up, you have to move the car or you get fined about 40 Francs. The goes up the longer you leave your car if the police come around more than once.

When moving the car, you can't just move a few spaces. The rules state that you need to circulate the car through traffic and then you can park somewhere else, generally on a different street.

Here's a random garage I found on google. It's 28 Francs for 8 hours of parking.

http://www.parking-riponne.ch/

In short, unless there's decent parking provided by your employer, the costs of parking your luxury car in town for work are going to add up fast.
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Old 10.09.2019, 16:22
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Re: Change of ownership and other hidden costs

You pay road tax and insurance pro-rated.

You can even take the vehicle off the road for as long as you want by handing in the plates.

You can also have two vehicles that use the same plates, insurance, and road tax.

You pay taxes and insurance until you hand in the plates.

Tom
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Old 10.09.2019, 17:32
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Re: Change of ownership and other hidden costs

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More than a home car spot, I would like to know how it works if I use the car to go work. I saw that many parking spot are for a fixed time (like 2hr), how does it work when you are working 9-17?
- Employer provides spot (if so, you are one of the lucky few)
- You rent a spot somewhere.
- You cruise town every morning hoping to find a spot and spend a lot of money.
- You buy long term cards for a parking garage and hope they have a spot.

You want to go Lausanne - Bern - Lausanne daily, I do not know how busy your route is on your times, but public transportation is a serious and often used alternative in Switzerland, combined with a small bike or electric scooter it might even save a decent amount of time.
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Old 10.09.2019, 18:12
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Re: Change of ownership and other hidden costs

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You can also have two vehicles that use the same plates, insurance, and road tax.
Wow cool, I didn't know about this.


Well, from your answers it seems that having a car in Lausanne is more a hassle than a joy

I was planning on spending ~300 CHF/m to maintain ar car (without the car price ofc), but it's completely unfeasible, at least inside the city.
I'll have to rewrite my plan somehow.

Do any of you keep a car in Lausanne? Do you use it in your day by day to go from home to work, or only in your free time?
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Old 10.09.2019, 18:29
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Re: Change of ownership and other hidden costs

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Here's a random garage I found on google. It's 28 Francs for 8 hours of parking.

http://www.parking-riponne.ch/
28- francs a day is correct, however if he uses it for work he'd be buying monthly tickets: 250,- chf for a whole month from 8:00 till 18:00 or 300,- for 24/24.
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Old 10.09.2019, 22:33
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Re: Change of ownership and other hidden costs

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Wow cool, I didn't know about this.


Well, from your answers it seems that having a car in Lausanne is more a hassle than a joy

I was planning on spending ~300 CHF/m to maintain ar car (without the car price ofc), but it's completely unfeasible, at least inside the city.
I'll have to rewrite my plan somehow.

Do any of you keep a car in Lausanne? Do you use it in your day by day to go from home to work, or only in your free time?
I don't live in lausanne but generally people who live in a bigger city and work in it, do not use the car to go to work, unless they're rich or the boss.
It doesn't make sense, you need to rent another parking near work (if you can find any!) and normally there is frequent trams or most people actually use the bicycle or an electric bicycle and do just fine with these options. This is a no-brainer if you live and work within the city as normally the distances are small as swiss cities are rather small.

Plenty of people still own a car as a luxury if they live in the city, for the purpose of having one when they go out of the city, or if they work outside of the city.

I live and work outside of a city and use the car to go to the city in the evening or on sundays and I'm planning on not drinking, as at these times the blue parking zones are unlimited (the default ones, remember that if there is an extra sign then that sign has validity, but at least in my city they usually use white stripes when it's a different kind of parking).
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Old 15.09.2019, 14:47
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Re: Change of ownership and other hidden costs

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written communication?

You will have to pass STVA for every car you want to register to those plates.
Yes. Written communication. There might be even a discount if you do it by mail. At least there is one in our canton https://stva.zh.ch/internet/sicherhe...Afz/FZneu.html. On the other hand, there is hardly any waiting time at the StVA/SAN, it certainly is not the American DMV experience.
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