小推一下novated lease---楼主回家哭去了，此帖正式成为血泪经验帖---楼主又笑了，30.11.12 整理帖子

Sparky

悟空空 发表于 2012-11-27 12:51 [url=https:/oursteps.co/forum.php?mod=redirect&goto=findpost&pid=11436006&ptid=589926" target="_blank">
哭我是不是不应该上来发帖给自己添堵阿。。。。娘啊，我们当时签合同的时候，木有人说过 residual v ...

你夫妻两个签合同都不看一下细则的吗？我没认真研究过（楼上很多高人已经给你分析过了），但是这个两年期结束车子不是你的我还是知道的，而且以前有同学算过账，这个得每年跑不知道多少万公里的，才合算。。。

kane321

楼主现在开始使劲开

milysun

悟空空 发表于 2012-11-27 12:51 [url=https:/oursteps.co/forum.php?mod=redirect&goto=findpost&pid=11436006&ptid=589926" target="_blank">
哭我是不是不应该上来发帖给自己添堵阿。。。。娘啊，我们当时签合同的时候，木有人说过 residual v ...

引用一下一楼最后一句话：

我也没具体的研究过这个novated lease到底是怎么个deal

， 这就差不多了。

悟空空

simonwang

Lots of misleading information. Not just to comfort LZ, you would normally save under a novated lease, just more or less.

simonwang

VictorOZ 发表于 2012-11-27 12:28 [url=https:/oursteps.co/forum.php?mod=redirect&goto=findpost&pid=11434689&ptid=589926" target="_blank">
你省的税还不够利息吧 20k都可以买新车了.......

What if LZ can't afford a $20k new car but needs a car right now? Save for two years then get a new car?

simonwang

kane321 发表于 2012-11-27 12:35 [url=https:/oursteps.co/forum.php?mod=redirect&goto=findpost&pid=11434787&ptid=589926" target="_blank">
你确定这个2年后车归你？
呵呵

Roughly LZ will need to pay $7260 to own the car after two years.

VictorOZ

simonwang 发表于 2012-11-27 14:16 [url=https:/oursteps.co/forum.php?mod=redirect&goto=findpost&pid=11436433&ptid=589926" target="_blank">
What if LZ can't afford a $20k new car but needs a car right now? Save for two years then get a ne ...

那就买手头钱能买的二手车先开
这么简单的逻辑

simonwang

商务车 发表于 2012-11-27 12:41 [url=https:/oursteps.co/forum.php?mod=redirect&goto=findpost&pid=11434884&ptid=589926" target="_blank">
两年下来一共付19200???

rego+保险两年一共4k，油费两年2k，共计6k

If you pay all above without novated lease, how much you would have to spend? $19,200?

$19,200 / (1-34%) = $29,091. Not to mention the average Oursteps income.

simonwang

VictorOZ 发表于 2012-11-27 14:19 [url=https:/oursteps.co/forum.php?mod=redirect&goto=findpost&pid=11436473&ptid=589926" target="_blank">
那就买手头钱能买的二手车先开
这么简单的逻辑

Yes, you think the logic is simple. Compare buying a second hand car outright, against noavted lease a second hand car. You will see the difference.

悟空空

simonwang 发表于 2012-11-27 14:15 [url=https:/oursteps.co/forum.php?mod=redirect&goto=findpost&pid=11436413&ptid=589926" target="_blank">
Lots of misleading information. Not just to confort LZ, you would normally save under a novated leas ...

Thank you so much for comfort>>>
Just hope we wont sacrifice too much money for this mistake. That is our first car, we had no idea about all the financial aspect of it.
Any way, we have learned the lesson and gotta be careful when we decide to purchase the next one.

悟空空

simonwang 发表于 2012-11-27 14:17 [url=https:/oursteps.co/forum.php?mod=redirect&goto=findpost&pid=11436451&ptid=589926" target="_blank">
Roughly LZ will need to pay $7260 to own the car after two years.

Your calculation is so accurate! I had a look on the quote, the residual value is 7317.56!

simonwang

cannabis 发表于 2012-11-27 12:53 [url=https:/oursteps.co/forum.php?mod=redirect&goto=findpost&pid=11435074&ptid=589926" target="_blank">
这个就看其个人收入了吧。。。越高越划算把？

I've discussed this opinion in my post before. It is a unfair comments.

No point to compare better car with low value car, or compare what is the saving can be for high/low income earner.

You should compare if you anyway need a car, given a certain salary level, whether it is worthy of a novation.

行者有疆

悟空空 发表于 2012-11-27 13:51 [url=https:/oursteps.co/forum.php?mod=redirect&goto=findpost&pid=11436006&ptid=589926" target="_blank">
哭我是不是不应该上来发帖给自己添堵阿。。。。娘啊，我们当时签合同的时候，木有人说过 residual v ...

以后先上来发帖

悟空空

simonwang 发表于 2012-11-27 14:20 [url=https:/oursteps.co/forum.php?mod=redirect&goto=findpost&pid=11436489&ptid=589926" target="_blank">
If you pay all above without novated lease, how much you would have to spend? $19,200?

$19,200 / ...

这个木有看懂,为什么这么算？

simonwang

lingyang 发表于 2012-11-27 12:57 [url=https:/oursteps.co/forum.php?mod=redirect&goto=findpost&pid=11435118&ptid=589926" target="_blank">
看来LZ没有完全了解政策

1. 每个月的repayment不是全pre-tax的， 有超过50%是post-tax contribution。

1. No, roughly only $220 from post tax, and rest $600 should be from pre tax. Not 50/50% as you said.

2. Agree what you said about residual value, and any exceeding of the sales over residual value is tax free income.

3. What you said is how a novated lease works, it does not give you a car for free but save the income tax you otherwise would have to pay upon the running cost.

4. As discussed before, no point compare LZ with someone earing million dollars. Simply compare if buy outright against novation.

simonwang

T.T 发表于 2012-11-27 13:00 [url=https:/oursteps.co/forum.php?mod=redirect&goto=findpost&pid=11435170&ptid=589926" target="_blank">
赫赫， 楼主仔细看看#5吧

另外FBT 呢？

If LZ uses post tax contribution method, there will be no FBT payable.

PACIFIC

就当一个月800块租车了，一天才20多块，便宜

simonwang

lee2267 发表于 2012-11-27 13:00 [url=https:/oursteps.co/forum.php?mod=redirect&goto=findpost&pid=11435176&ptid=589926" target="_blank">
novated  lease 和其他lease不同。。车名是自己的。。只是通过第3方做了个中转而已。，。。但是收入7w以 ...

Some providers charge interest around 6.5%. People can get over $1000 saving each year, why not?

simonwang

大杨树 发表于 2012-11-27 13:06 [url=https:/oursteps.co/forum.php?mod=redirect&goto=findpost&pid=11435286&ptid=589926" target="_blank">
记得2007年的时候我算过，要收入150k以上，或每年跑25000km以上才划算

Law has been changed. And sorry your calculation in 2007 seemed incorrect.

simonwang

lingyang 发表于 2012-11-27 13:17 [url=https:/oursteps.co/forum.php?mod=redirect&goto=findpost&pid=11435449&ptid=589926" target="_blank">
不一定，如果家里有小孩，可以那政府福利的话，多了FBT可能就拿不到福利了，

澳洲的税法一环扣一环，步 ...

If LZ is using post tax contribution method as you previously stated, he/she will actually get more government payments as
1. Taxable income is reduced.
2. No reportable fringe benefit.

So what you stated here is incorrect.

sunyu321

楼上高手simonwang来了。足迹有他专门的帖子讲这个楼主可以研究一下。非常感谢他的帮助我也做了novated lease买了Corolla代步.总的来说省了点税：）

这里有个链接可以参考下 http://www.orix.com.au/novated-leasing/calculator.html 你个人的情况。不过你既然都办好了，看一下quote 如果有Pre-tax和After tax contribution,只要不算错都是帮你把FBT抵消到0的

frankielynna

ls的怎么感觉做这个生意的,每个都要回复的.
没钱买车,你怎么不提最近那么多的接近0利率0首付的,是不是比那个novated lease更好呢?

kane321

俺们吊丝啊，那点税率真的省的不多啊

simonwang

frankielynna 发表于 2012-11-27 13:55 [url=https:/oursteps.co/forum.php?mod=redirect&goto=findpost&pid=11436084&ptid=589926" target="_blank">
没事,早点知道好,否则到期了再知道,说不定你已经签了另一个novated lease了呢.
没存款,去买个0%利率0%首 ...

I ran some calculations before for some TX on Oursteps: as long as the car is not too expensive or the financier charge too high interest, the car is not kept unused, and the employee has normal salary (not under $37000), novated lease should always save you money, especially even if you might have a ZERO interest deal, still no better than novated lease.

悟空空

我现在在学习Simonwang的知识帖。。。早为啥木有看到？？？

sunyu321

他只是帮忙普及知识而已，真不是做这个生意的，也没好处。。


我的理解是接近0利率0首付的,你还是要花那车的钱，并且其他方面没省下钱。所以获益为0

Notated lease 你省下的是 = Pre-tax contribution 部分的税, 减去  (你多付的租车费用+residual value-整车的钱)

simonwang

悟空空 发表于 2012-11-27 14:22 [url=https:/oursteps.co/forum.php?mod=redirect&goto=findpost&pid=11436524&ptid=589926" target="_blank">
Thank you so much for comfort>>>
Just hope we wont sacrifice too much money for this mistake. That ...

It is not a mistake. Novated lease isn't so popular for no reason.

The only down side is you should try to find out how much is the interest rate they are charging you. In current market, it could be anywhere from 7% - 9%. Not too sure your job and salary but normally you would get a tax saving, GST refund, more government payment, more insurance rebate.

PACIFIC

sunyu321 发表于 2012-11-27 13:45 [url=https:/oursteps.co/forum.php?mod=redirect&goto=findpost&pid=11436926&ptid=589926" target="_blank">
他只是帮忙普及知识而已，真不是做这个生意的，也没好处。。

利息呢

sunyu321

PACIFIC 发表于 2012-11-27 14:48 [url=https:/oursteps.co/forum.php?mod=redirect&goto=findpost&pid=11436985&ptid=589926" target="_blank">
利息呢

我算在 "多" 付的租车费用里了:)