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Old 20.02.2020, 15:52
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Relocating to Switzerland with leased car?

Hi guys,

Newbie here I've read related posts on the forum and I suppose that the answer is probably a NO, but please hear me out first.

I will be moving to Switzerland (transfer of domicile) at the end of March, starting work in April, and I'm looking for a possibility to take a car I'm leasing with me.
What is different here from similar threads is that I have a written permission in six languages from a lease company that I can use the car freely around Europe (not just EU). They simply don't care as long as the payments are on time.

I would like to use the car in Switzerland for around 11 months until March of 2021 because then I can buy it out from the lease company without any significant additional costs, just a small fee for shortening the contract from 3 to 2 years and the rest of the installments due. Then I could register the car in Switzerland as an owner.
Buying out the car now, before the contract hits 2 years mark, means paying the market price for it which is way higher than what is left on the lease.

Any advice here? Are there any chances of this to work? Or is it a strong no?

Thanks!
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Old 20.02.2020, 16:30
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Re: Relocating to Switzerland with leased car?

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Hi guys,

Newbie here I've read related posts on the forum and I suppose that the answer is probably a NO, but please hear me out first.

I will be moving to Switzerland (transfer of domicile) at the end of March, starting work in April, and I'm looking for a possibility to take a car I'm leasing with me.
What is different here from similar threads is that I have a written permission in six languages from a lease company that I can use the car freely around Europe (not just EU). They simply don't care as long as the payments are on time.

I would like to use the car in Switzerland for around 11 months until March of 2021 because then I can buy it out from the lease company without any significant additional costs, just a small fee for shortening the contract from 3 to 2 years and the rest of the installments due. Then I could register the car in Switzerland as an owner.
Buying out the car now, before the contract hits 2 years mark, means paying the market price for it which is way higher than what is left on the lease.

Any advice here? Are there any chances of this to work? Or is it a strong no?

Thanks!
Of course you can use the car in Europe. Does the contract also state that you can use the car if you are resident in another country?
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Old 20.02.2020, 17:59
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Re: Relocating to Switzerland with leased car?

Hi,

I believe the challenge will be more on the insurance side than the car registration (you have 12 months to change it to Swiss plates). From past experience no EU insurance company was able and willing to insure a car for a non-resident.
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Old 20.02.2020, 19:42
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Re: Relocating to Switzerland with leased car?

herz has a short duration lease option called a mini lease which served our purpose for 3 months ( around 700chf pm and we got a brand new "mini" with unlimited mileage )... we eventually bought a 10 year old golf from a commended garage using a foreign license from Dubai , its not a big deal but you will have to convert to a Swiss license within 12 month to remain insured.
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Old 20.02.2020, 21:24
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Re: Relocating to Switzerland with leased car?

Thanks for the answers!

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Of course you can use the car in Europe. Does the contract also state that you can use the car if you are resident in another country?
Good question - nothing about that in the contract. I just emailed them with the question and will post an update here.

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Hi,

I believe the challenge will be more on the insurance side than the car registration (you have 12 months to change it to Swiss plates). From past experience no EU insurance company was able and willing to insure a car for a non-resident.
Yeah, from what I have read so far registration is not a problem, but driving a car not in my name is.
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Old 20.02.2020, 23:32
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Re: Relocating to Switzerland with leased car?

Stuart Collins are the only company I found with a 12month green card. They are great. Check them out. All officially through Axa insurance but Axa only provide that policy through Stuart Collins. Loads of people I know throughout the Eu and Switzerland use them,myself included before I got a Swiss car. Your lease car will be fine up to the point of you having to import it and changing to a Swiss license, ie 12months or just before.

One thing, if you are leasing the car then is it in your name? Because if you buy it outright in March 2021 and import it to Switzerland and you only then get the documents in your name, then you might not be import tax free. I believe you have to own the car for 6months to make it free to import but I’m not sure at what point you can import it with regards to your visa, for example if it is in the 1st 12 months or just that you need to have owned it for 6months. Personally, I have tried going through the hassle with a nearly new UK plate Audi A3, too expensive, too much hassle. Unless your thinking of keeping the car for a good few yrs then it’s not worth it.
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Old 21.02.2020, 00:13
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Re: Relocating to Switzerland with leased car?

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One thing, if you are leasing the car then is it in your name? Because if you buy it outright in March 2021 and import it to Switzerland and you only then get the documents in your name, then you might not be import tax free. I believe you have to own the car for 6months to make it free to import but Iím not sure at what point you can import it with regards to your visa, for example if it is in the 1st 12 months or just that you need to have owned it for 6months. Personally, I have tried going through the hassle with a nearly new UK plate Audi A3, too expensive, too much hassle. Unless your thinking of keeping the car for a good few yrs then itís not worth it.
Hardly ever a problem to import a leasecar as a taxfree personal item.
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Old 21.02.2020, 07:36
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Re: Relocating to Switzerland with leased car?

The car is not registered to the OP and the OP is not the owner.

Wouldn't that mean that:
A. he can't import it as personal goods?
B. How can a Swiss resident drive a non-owned, foreign registered car in Switzerland?

Or do I see it wrong?
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Old 21.02.2020, 07:48
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Re: Relocating to Switzerland with leased car?

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The car is not registered to the OP and the OP is not the owner.

Wouldn't that mean that:
A. he can't import it as personal goods?
B. How can a Swiss resident drive a non-owned, foreign registered car in Switzerland?

Or do I see it wrong?
And if he legally imports it in 12 months, he will only just have become the owner, and then have to pay import tax??
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Old 21.02.2020, 08:17
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Re: Relocating to Switzerland with leased car?

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And if he legally imports it in 12 months, he will only just have become the owner, and then have to pay import tax??
That's what I would say too.
Or he has to pay before if he's caught on the road with it in Switzerland...
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Old 21.02.2020, 09:02
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Re: Relocating to Switzerland with leased car?

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The car is not registered to the OP and the OP is not the owner.

Wouldn't that mean that:
A. he can't import it as personal goods?
B. How can a Swiss resident drive a non-owned, foreign registered car in Switzerland?

Or do I see it wrong?
Just what I was thinking. He may get all sorts of hassle if stopped at the Swiss border.
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Old 21.02.2020, 09:41
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Re: Relocating to Switzerland with leased car?

And if he changes his driving licence to a Swiss one before the car is imported, he is likely to have problems too as Swiss licence-holders are not permitted to drive foreign-plated cars in CH; it's deemed customs fraud and has been known to result in fines of 15k or more

The logical move would be to get someone to take over the lease in Poland, or hand the car back to the lease company, and buy a banger here once you've moved (or lease a new car here once on a Swiss licence)
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Old 21.02.2020, 10:10
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Re: Relocating to Switzerland with leased car?

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And if he changes his driving licence to a Swiss one before the car is imported, he is likely to have problems too as Swiss licence-holders are not permitted to drive foreign-plated cars in CH; it's deemed customs fraud and has been known to result in fines of 15k or more
This is nonsense.

What country issued the drivers license has absolutely nothing to do with the fact if one is allowed to drive a foreign car here or not.
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Old 21.02.2020, 10:19
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Re: Relocating to Switzerland with leased car?

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And if he legally imports it in 12 months, he will only just have become the owner, and then have to pay import tax??
You don't have to have been the owner for the last 6 months to import VAT-free You must have used it as your personal good and plan on doing so after importing.

I however only know cases where people bought of the lease shortly before moving here. OP wants to import a car that is not his and that could be a big problem.
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Old 21.02.2020, 10:43
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Re: Relocating to Switzerland with leased car?

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This is nonsense.

What country issued the drivers license has absolutely nothing to do with the fact if one is allowed to drive a foreign car here or not.
Really?

https://www.beobachter.ch/strassenve...e-autos-fahren

and from the horse's mouth:

https://www.ezv.admin.ch/ezv/de/home...-benutzen.html


In fact it's stricter than I suggested. Anyone registered as *resident* in Switzerland is not allowed to drive cars that are registered abroad in Switzerland. The couple of exceptions listed would in no way apply to the OP. Even when relocating and when no duties are owed as the car is personal effects, it still needs to be declared at the border and run on temporary (Z) plates until it is fully registered in CH
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Old 21.02.2020, 10:49
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Re: Relocating to Switzerland with leased car?

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Really?

https://www.beobachter.ch/strassenve...e-autos-fahren

and from the horse's mouth:

https://www.ezv.admin.ch/ezv/de/home...-benutzen.html


In fact it's stricter than I suggested. Anyone registered as *resident* in Switzerland is not allowed to drive cars that are registered abroad in Switzerland. The couple of exceptions listed would in no way apply to the OP. Even when relocating and when no duties are owed as the car is personal effects, it still needs to be declared at the border and run on temporary (Z) plates until it is fully registered in CH
Yes really.

It matters if one is a resident in Switzerland, it is of no concern what country issued the drivers license.
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