Global Relocation in Swiss 

生活在瑞士:世界的公园,富翁的天堂

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瑞士的美好生活,可以说是举世公认的。得益于当地特殊的税收政策,瑞士尤其堪称富翁的天堂。对于欧盟国家的人们来说,移居瑞士也有相当的便利性。今天这篇文章,献给想到瑞士生活的读者们。

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瑞士可以说是世界上政治最稳定、经济最优渥、交通最便利、通信最发达、公共服务最高效、税收最有优势的国家之一。使用这么多的“最”,是不科学的,但相信很少有人不认为如此。我们从小看香港电视剧的都对“瑞士银行”耳熟能详吧,瑞士的确有独特的优惠的财税包干体制,这吸引了众多外国人。

 

 

 

对于希望在瑞士落户的富裕个人及家庭来说,移民之前可以利用信托等方式,对税务和遗产进行合理规划,这方面有很大的灵活性呦。我们接下来就一起看一看。

 

= 居留和税收优惠 =

 

 

外国人满足一定的要求,比如过去10年一直居住在瑞士、但并未在当地就业的独立经济个人,不论年龄,都可以享受“一次性包税制”,一次性缴纳年税,而不是按照财产状况和收入纳税的全球惯常做法。而纳税的评估标准是5倍的最低纳税所得额或住房年租金。

 

比如,你在瑞士的住房年租金是5万瑞士法郎,应纳税所得额就是25万瑞士法郎,这一数额作为假设年收入,就此征税。在各州,所得税通常以累进税式计算。

 

在这种税制框架下,申请人不必申报在全球其它地方的收入和资产,最大程度上保留财务隐私权。这为很多外国富豪和明星、名流提供了方便,既可以享受瑞士的美妙,又不必承担沉重的赋税。

要取得瑞士居留,并不一定要在当地就业或从事商业行为。比如,超过55岁的退休人员,只要能保证一年中的大部分时间在瑞士生活,并且经济独立可以纳税,即可以申请瑞士居留。如果能证明与瑞士有特殊关联,比如有亲友在这里,或者曾经在此生活,拿居留卡更容易。

 

如果没到55岁,也没打算在瑞士工作,可以投资在当地有办事处的公司,或将自己的公司搬到瑞士,不过要注意,不能作为个体户。因为瑞士看重的是,办事处或公司能否为当地提供就业机会、创造社会价值。

 

此外,瑞士虽然不属于欧盟成员国,但是按照瑞士与欧盟之间的人员自由流动协议,只要欧盟公民签有工作合同,就能迁入瑞士长期生活,还可在没有工作的情况下在瑞士逗留三个月。该协议自2002年起分阶段实施。

 

2013年,中国与瑞士缔结了对于所得和财产避免双重征税的协议。瑞士与法国、德国、比利时,也已澄清了关于避免双重征税问题上的分歧。

关于遗产税和赠予税方面,瑞士也独具优势。在联邦层面,瑞士不征收遗产税和赠予税。去年瑞士公投,以压倒性的优势否决了实施遗产税的提案,很多家族企业和遗产继承人如释重负。不过,瑞士各州有权利根据不同情况征税,但通常来说,夫妻或亲子关系无须征税,其它条件下,税率也比较低。瑞士的国际私法还允许继承人在瑞士或祖籍国的继承法中进行选择。

 

= 买房不是有钱就行 =

由于瑞士空气清新,环境优美,如上所述又具有税务等方面的极大便利,很多外国人想到瑞士买房。所以,瑞士对此出台了一些限制条款,外国人在瑞士买房不是有钱就行。

 

外国人可以在瑞士购买度假屋,但要申领专门的许可证,并且满足一定的条件。比如住宅必须在州政府规划的度假区内,且有配额。各州与行政区可能还有各自的限制,例如只允许外国人购买已由外国人拥有的住宅。

 

某种程度上,拥有当地居留卡、生活在瑞士、是当地纳税人,才方便买房,而且不允许以投资为目的买房,必须是自己住。所以,如果你有瑞士居留,想买一个面积合理的房子自己住,该出手就出手吧!即使以后离开,你也可以保留自己的不动产。

 

当然,如果不是住宅,而是以营利为目的购置商业地产,如厂房、库房、办公室、商铺、零售店铺、酒店、餐馆、工场等,是不需要申请特殊许可的。

 

                  = 这是一座世界公园 =

 

某种程度上,拥有当地居留卡、生活在瑞士、是当地纳税人,才方便买房,而且不允许以投资为目的买房,必须是自己住。所以,如果你有瑞士居留,想买一个面积合理的房子自己住,该出手就出手吧!即使以后离开,你也可以保留自己的不动产。

 

当然,如果不是住宅,而是以营利为目的购置商业地产,如厂房、库房、办公室、商铺、零售店铺、酒店、餐馆、工场等,是不需要申请特殊许可的。

 

= 这是一座世界公园 =

 

某种程度上,拥有当地居留卡、生活在瑞士、是当地纳税人,才方便买房,而且不允许以投资为目的买房,必须是自己住。所以,如果你有瑞士居留,想买一个面积合理的房子自己住,该出手就出手吧!即使以后离开,你也可以保留自己的不动产。

 

当然,如果不是住宅,而是以营利为目的购置商业地产,如厂房、库房、办公室、商铺、零售店铺、酒店、餐馆、工场等,是不需要申请特殊许可的。

 

= 这是一座世界公园 =

 

德语区的苏黎世,是瑞士第一大城市,也是欧洲重要的经济、金融和文化中心,集中了120多家银行的全球及欧洲区总部,市内还有中世纪教堂尖塔、古堡、喷泉。

 

德语区的苏黎世,是瑞士第一大城市,也是欧洲重要的经济、金融和文化中心,集中了120多家银行的全球及欧洲区总部,市内还有中世纪教堂尖塔、古堡、喷泉。

 

法语区的日内瓦,是瑞士第二大城市,也是瑞士这个钟表王国的心脏,更是国际联盟和红十字会总部所在地,   日内瓦的湖光山色美不胜收,是全球最佳宜居城市第二位。

 

德语区的苏黎世,是瑞士第一大城市,也是欧洲重要的经济、金融和文化中心,集中了120多家银行的全球及欧洲区总部,市内还有中世纪教堂尖塔、古堡、喷泉。

 

日内瓦是世界上按人均计算餐馆最多的城市,市内千余家餐馆风格迥异,不用走多远就可以遍尝全球各地的美味佳肴。到风味小馆也好、乡村酒店也好、湖畔豪华饭店也好,伴着醇香味浓的瑞士白葡萄酒,品尝当地应季特色菜,真是最惬意不过的人生美事。

 

Why Immigrate to Switzerland

 

Due to its high standard of living, excellent education and healthcare, effective business infrastructure, high levels of privacy and discretion, bespoke taxation system, and great political stability, Switzerland has become a popular destination country for foreigners wishing to relocate to.

Although many individuals seek to immigrate to Switzerland, Swiss law specifically favours applicants who have an educated background (university degree holders) or who have a high net worth. Individuals are encouraged to apply for investor residency which allows applicants to set up a business in Switzerland and live there.

The Swiss residency visa program is aimed at high net worth investors who can take advantage of the Swiss fiscal package whereby individuals will not be taxed on their revenue or assets but only on their living expenses.

Benefits of Permanent Residence Permit in Switzerland through the Private Residence Program

  • Visa-free travel within the Schengen Area

  • Fast-track procedure (3-4 months); processing time depends on canton requirements and individual circumstances

  • Dependent family members can be included in the application

  • Right to live, work, and study in Switzerland

  • Favourable tax regime and extensive network of double taxation treaties

 

There are several conditions which must be met in order to satisfy the application process for permanent residency in Switzerland. It is imperative that you meet all the conditions prior to applying and investing your money; Switzerland is known to be highly selective in approving residency visas. The selection and interview process is undertaken with a great deal of discretion and is a far more structured process than other investment immigration programs.

Main Requirements

In order to be qualified for a residence permit in Switzerland, applicants must meet the following requirements:

Be a non-EU citizen

Be no older than 55 years of age

Hold a clean criminal record

Make an investment with a minimum value of CHF 1 million in a company in the canton he/she wishes to reside

The purpose of the investment must be to finance the growth of the company the applicant invests into. The company in which the applicant makes an investment must be credentialed and must employ a number of full-time employees

The investment must be maintained for the full period of the applicant’s residency in Switzerland

Restrictions apply to what the applicant can invest into. Examples include bank accounts, apartments, and bogus companies

Investment Options

Non-EU investors can obtain a Swiss residence permit in one of the two following ways:

Active investments into a Swiss company formation with a minimum value of 1 million Swiss Francs. The applicant must demonstrate the economic benefit he brings to the canton, in particular, if the business creates new jobs or help retain existing jobs via new orders for local companies; the business stimulates new technologies, scientific or industrial development in the region.

Pay annual lump-sum tax (forfait fiscal). The amount may vary from CHF 150,000 ~  per year, depending on the canton of residence (except Zurich) and calculated based on 5 times the annual rental income or the annual living expenses. By paying this fee, there is no need to declare worldwide income and assets to Swiss authorities.

The Swiss business investment immigration program (+1 million CHF) 

 requires applicants to invest in a company which is struggling to expand without the necessary funding, as this will, in turn, enable the company in question to create more jobs and help the Swiss economy through its expansion. Applications will not be approved if applicants wish to invest in a Swiss bank or simply buy shares from a Swiss company quoted on the stock exchange – investments must add economic value to the region.

 

The annual lump sum tax (+150.000 CHF ~ per year ) for foreigners

who set up domicile in Switzerland at federal level and in some cantons has been abolished. This is an expenditure-based taxation which replaces ordinary taxes on income and wealth. The lump sum amount must be of some significance in order to create a tax interest for the canton. Applicants are advised to first obtain a lump sum taxation agreement with the relevant cantonal tax authority and then apply for a residence permit.

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    Obtaining Swiss Citizenship

 

The nation of Switzerland offers numerous benefits and advantages, including unprecedented financial privacy via the nation’s ancient banking privacy laws, beautiful scenery including the famous Swiss Alps, a multicultural population, significant tax breaks (such as the non-existence of a federal inheritance or gift tax), and a representative parliamentary republic form of government. Obtaining Swiss citizenship will entitle a foreign national to these benefits and many more, which is why hundreds of thousands of foreign nationals immigrate to Switzerland every year.

First Step – Becoming a Permanent Resident

Before a foreign national can apply for Swiss citizenship, the national must first be a Swiss permanent resident for a specific amount of years. Foreign nationals may obtain permanent residency in several different ways such as through employment with a Swiss company or by pledging to pay a certain amount in taxes every year.

Regardless of how the foreign national obtains the permanent residency, the permanent residency must continue uninterrupted for twelve years (though the years spent in Switzerland between the completed 10th and 20th years may count double for citizenship purposes).

Second Step –

  Applying for Citizenship at the Federal Level

The process of becoming a citizen is called naturalization. Initial naturalization applications are filed with the Swiss Federal Office of Migration (FOM). Once the foreign national meets the permanent residency requirement, the national may file the application. During the application review process, the FOM evaluates how well the national has integrated him/herself into the Swiss culture and way of life, whether and to what extent the national is familiar with Swiss traditions and customs, and confirms that the national has complied with all Swiss laws and does not pose a national security threat to the country.

Once the FOM is satisfied that the national meets these requirements, the FOM gives provisional approval – called “giving the green light” for the national to acquire Swiss citizenship. The actual conferral of citizenship is reserved to the specific canton and community in which the national resides.

 

Third Step – Applying for Citizenship at the Canton and Community Levels

After a foreign national receives the green light from the FOM, the national may apply for citizenship in his/her canton and community. As stated, the different cantons and communities have their own particular requirements for granting citizenship.

For example, the Bern canton is a popular city for foreign nationals to relocate to as it is most populated Swiss city and serves as the country’s de facto capital. Beginning on January 1, 2014, Bern is requiring naturalization applicants to pass an examination that tests their knowledge of Swiss history, geography, social security, civics, language, rights and duties of Swiss citizens, religion, democracy, federalism and education. The test will be timed and all answers must be completed within 90 minutes and to achieve a passing score the applicant must answer at least 60% of the questions correctly. This new test requirement replaces the old requirement of simply completing a citizenship course that taught naturalization applicants about the Swiss law, the structure and organization of its government, and its everyday life and culture.

Similarly, the Zurich canton also requires its foreign national citizenship applicants to pass a test. Zurich residents must successfully demonstrate their German language proficiency through satisfactory passage of the Cantonal German Test. Zurich immigration authorities will not approve a naturalization application if the foreign national cannot pass the Cantonal German Test. Additionally, the Zurich immigration authorizes conduct their own criminal backgrounds to verify the applicant has not committed any crimes, and they also interview the applicant to ensure the person is fully integrated into the Swiss lifestyle and has a firm and demonstrable knowledge of the German aspects and influences of the Swiss lifestyle. Zurich also requires its resident to prove that they possess sufficient income or financial resources and assets to be able to provide for themselves and their families for the indefinite future.

Importantly, there is no right to an appeal of a denial of a naturalization application at any level. Moreover, there is no right to citizenship so a particular canton or community may deny a national’s application at any time.

It should also be noted that upon naturalization, Switzerland does not require the new citizen to relinquish or renounce the individual’s previous citizenship with his/her country of origin.

                                                         SWISS  瑞 士
    Consular Services

(Switzerland  : Attention : reserved only for French Resident card holder)
Onsaemi worldwide provides consular support at diplomatic missions in Switzerland and, where possible, prepares applications for the submission at Swiss diplomatic missions abroad.
领事服务(瑞士,注意:仅面向持有法国国籍人士)Onsaemi worldwide为您在瑞士期间提供领事支持,并协助您办理瑞士驻外事务的办理。


    Conversion of Driver's License (Switzerland)  
We are able to assist with converting foreign drivers licenses to a local license .
驾照转换(瑞士) 我们可以帮助您将您的外国驾照转换为瑞士当地驾照。


    Departure Formalities (Switzerland)
Onsaemi worldwide can assist with departure requirements when leaving Switzerland.
离境服务(瑞士) Onsaemi worldwide可以协助您办理从瑞士离境归国所需办理的手续。

    Document Services (Switzerland)
In partnership with local office Geneva-Lausanne, Onsaemi worldwide can procure and authenticate documents where official documents need to be obtained and/or copies certified as true copies for a range of immigration applications.  Documents can include birth, marriage and police certificates. In addition, we can coordinate with certified translators to obtain sworn translations where these are required for immigration-related applications. 
资料服务(瑞士)Onsaemi worldwide同日内瓦-洛桑的当地机构合作,为您提供移民部分所需要的材料原件及复印件准备服务。相关材料如出生证明,结婚证明及警察局出具的无犯罪证明等。此外,我们还提供必要的翻译服务。

 

    Entry Visa (Schengen D Type) Applications (Switzerland)
For Schengen applications, we are able to assist with the entry visa, leveraging our network of affiliated Onsaemi worldwide partners across Europe and around the world.
申根区D类入境签证申请(瑞士) Onsaemi worldwide连同世界各地的合作伙伴们一起,帮助申根签证申请者申请入境签证

    Immigration Services for Spouses and Dependents (Switzerland)
We provide full support to dependents involved in immigration processes in Switzerland. Specifically, we guide assignees on the optimum immigration strategies for accompanying dependents, partnering closely with them and their dependents to prepare all required documentation for timely application processing in Switzerland, and to help them maintain compliance with immigration process requirements in Switzerland for the duration of their stay. In addition, we assist with renewals and/or changes to dependent immigration status. Support includes assistance with Ci permit applications for dependents of international organization employees; C permit tracking and maintenance cases; and applications to bring newborn children “in line” with the status of the foreign national parents.
配偶及子女的移民服务(瑞士)
我们为您的配偶及子女提供其在瑞士所需的相关移民服务。我们特别为您的配偶及子女提供最优的移民方案,根据其具体需要在相关部门规定的时间内为其准备移民材料,并保证其在瑞期间的合法身份。
此外,我们还会帮助您的配偶及子女办理身份更新手续,并在整个办理程序中随时跟进流程。我们的服务包括帮助C类申请者申请国际雇佣许可身份,并协助C类申请者办理在瑞相关法律手续,以及他们外籍子女的身份办理手续。

    Notification Procedure Applications (Switzerland)
We assist with applications under the Swiss notification procedure.
公告手续(瑞士) 我们会协助您申请认识公告手续。


    Registration at Commune of Residence (Switzerland)
We assist with registration requirements in the commune of the individual’s residence.
当局注册服务(瑞士)我们会协助您办理个人在当局的居留注册手续。

    Renewals/Extensions (Switzerland)
For all work and residence permits mentioned above, we are able to assist with applications to renew applicants’ status, where applicable.
身份卡更新及延期(瑞士) 我们提供以上提到的工作及居住签证的更新及延期服务。


    Short-term Work Permits (Switzerland)
We assist with short-term permits, including ‘quota-free’ or those for stays of 120 days or less.
短期签证(瑞士) 我们为您提供短期签证(境内逗留120天以内)及不限次入境签证服务。


    Value-added Services (Switzerland)
Onsaemi worldwide’s fixed transactional fees include a range of benefits for which other firms charge significant fees. For example, our clients have access to Onsaemi worldwide’s proprietary, worldwide case management portal, which allows authorized stakeholders and assignees within their company to track cases in progress, current status, and critical expiration dates. 
增值服务(瑞士)我们的客户将在Onsaemi worldwide建档,方便您随时跟踪申请程序进度,实时身份状态及身份有效期。另外,我们还根据每个客户的具体需求提供个性化服务,保证您随时了解最新的情况。


    Work Permit Applications and Related Processes (Switzerland)
We provide full support for L, B and G work permit applications and related processes.

 


 

有意移民瑞士,或想在当地投资和购房的读者,可以具体咨询 CITINAVI global海外投资移民公司。

 

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