Schweiz-Auswanderung leicht gemacht: Die 3 Phasen, die niemand dir verrät! 🇨🇭👍

Summary

This video provides a comprehensive step-by-step guide for anyone immigrating to Switzerland. It covers three major phases: preparation before moving, signing the rental agreement, and settling in after arrival. The process includes analyzing tax situations, choosing the right municipality, finding an apartment, managing finances, securing health and dental insurance, and navigating the Swiss pension system. The video offers practical tips, from opening a bank account to managing moving logistics and dealing with insurance. For those seeking personalized assistance, expert advice is available to streamline the entire process.

Takeaways

• 😀 Start your Swiss immigration journey with thorough planning, focusing on key phases and avoiding unnecessary steps.
• 😀 Before apartment hunting, analyze your tax situation to determine if withholding tax applies and if you need to file a tax return.
• 😀 Your tax situation affects where you should live in Switzerland; aim for municipalities with lower tax rates to optimize your finances.
• 😀 Open a Swiss bank account early, even before arriving in Switzerland, using online banking options like Neonbank for a smooth start.
• 😀 Make a budget and plan your finances before moving to Switzerland, considering costs like housing and dental insurance.
• 😀 Dental insurance is crucial since Switzerland's basic health insurance does not cover dental expenses. Consider taking out additional dental insurance from Germany.
• 😀 Prepare for the move by organizing documents, such as your passport, health insurance, and retirement plans, well in advance.
• 😀 When signing a rental agreement, decide whether to pay a deposit or opt for rental deposit insurance to invest the amount elsewhere.
• 😀 Register with the Swiss municipality and obtain your permit within 14 days of arrival, ensuring you meet the local registration requirements.
• 😀 Plan for your pension and insurance coverage, including the Swiss three-pillar system and private investments, to secure your future in Switzerland.

Q & A

What are the three major phases of immigration to Switzerland mentioned in the video?

The three major phases of immigration to Switzerland are: Phase 1 – Preparation (including job offer, tax situation analysis, apartment search, etc.), Phase 2 – The implementation phase (signing rental agreements, organizing moving company, insurance, and health coverage), and Phase 3 – Finalization (moving, registering with authorities, receiving permits, and dealing with insurance and pension plans).

Why is it important to analyze your tax situation before searching for an apartment?

Analyzing your tax situation is important because it helps you determine if withholding tax is relevant to your income tax, and whether you need to file a tax return. This also helps in selecting the best municipality for tax optimization, which can affect your living costs.

What are the three criteria that determine if you need to file a tax return in Switzerland?

The three criteria are: (1) earning more than 120,000 Swiss francs annually, (2) having assets worth over 80,000 Swiss francs, and (3) receiving additional income of more than 3,000 Swiss francs.

What is the significance of selecting a municipality with a low tax rate when moving to Switzerland?

Selecting a municipality with a low tax rate can significantly reduce your tax burden, especially if you're required to file a tax return. This can make a notable difference in your overall living expenses in Switzerland.

How can opening a Swiss bank account early help with your immigration process?

Opening a Swiss bank account early allows you to be proactive and have a Swiss IBAN ready for your employer on the first day of work. It also ensures that you are prepared for financial transactions without delay.

What type of insurance should you consider before moving to Switzerland?

Before moving to Switzerland, you should consider taking out additional dental insurance in Germany, as Swiss basic insurance does not cover dental care. You should also renew your ID card or passport if needed.

What is the advantage of using rental deposit insurance in Switzerland?

Rental deposit insurance allows you to avoid tying up a large sum of money in a deposit. Instead, you pay a smaller premium (about 4% of the deposit amount) and can invest the remaining amount elsewhere, such as in ETFs or other investments.

Why is it important to register with the municipality in Switzerland after moving?

Registering with the municipality is a legal requirement within 14 days of arrival. This is necessary for obtaining your permit, receiving a photo ID, and completing official registration processes.

What documents are required when registering a car in Switzerland after immigration?

You need to provide the 1320a document, proof of insurance, and a COC document to the road traffic authority in order to obtain Swiss license plates for your car. Additionally, your car must pass an MFK inspection.

What are the key components of the Swiss pension system that immigrants should be aware of?

The Swiss pension system is divided into three pillars: the first pillar (basic pension), the second pillar (company pension plan), and the third pillar (private savings). Immigrants should be aware of gaps in their pension contributions due to a shorter work history in Switzerland, and consider contributing to the third pillar for tax advantages.