You are non-resident if, at the time of the loan application, you do not reside in France.
You are a cross-border client if you work in Switzerland and live in France, regardless of your nationality.
FOREIGN CURRENCY EXCHANGE RATE
Currency exchange riskIf you wish to buy in France, your status as a cross-border client allows you to borrow in Euros and/or in Swiss Francs. The exchange rates of the various currencies are constantly changing. The risk when you take out a mortgage, whether in Euros or in Swiss Francs, is the currency exchange risk. From our first meeting, we focus on the currency exchange risk you take and help you measure it. You need to be aware of the impact of this currency exchange risk on your daily life. If you are a non-resident, we also have the solutions to finance your projects in France.
LIFE INSURANCE - 3rd pillar for cross-border clients
The 3rd pillar, like the 2nd pillar (LPP) constitute your retirement pension, and complement the 1st pillar (the AVS), but is optional.
The future of the current advantageous 3rd pillar taxation system applicable to cross-border clients is uncertain.
However, it is currently the safest way to build up savings, locked and secure for retirement.
We can offer you a 3rd pillar in Swiss Francs or in €. Flexible contracts that adapt to your budget and the uncertainties of life.
The Swiss system gives you the opportunity to use your 2nd and 3rd pillar to contribute as a contribution under a mortgage for your primary residence.
We can manage your pension withdrawals and follow the process until the funds reach the notary.
Attention: in certain cases, ancillary loan fees may not be paid with funds from your Swiss pension.
Cross-border clients who work in Switzerland may benefit from a special tax status specific to Switzerland: the status of quasi-resident.
Taxpayers taxed at source who meet the condition of eligibility for quasi-resident status may, by 31 March of the following year at the latest, request an adjustment of their tax.
The first step is to establish an inventory of your income to determine whether you are eligible.
Taxpayers eligible for quasi-resident status will benefit from the same tax deductions as Swiss tax residents.
Do nothing until you are satisfied of the economic benefit of a tax return as a quasi-resident!