Salary sacrifice

160

今天開會來了兩個講salary sacrifice的人，說跟他們買新車的話車價不用付gst，可以降低收入少納個人所得稅，平時service，洗車，保險甚至油費也不用付gst。但是4年後車要還給他們。

想徵求意見利弊在哪裏？catch除了車4年後不是自己的還有什麼？聽起來蠻動心的。

BIGY

同求 楼主能否具体讲一下什么是salary sacrifice？感谢

a0150441

这不就等于租车吗

160

a0150441 发表于 2016-5-31 07:38
这不就等于租车吗

是的。他們的賣點就是車免gst省了3千多，其他花銷也可以免gst。大概4年下來一輛cx5 sports自己掏2萬8左右租。平時花銷可以免gst，車的價格可以直接從薪水那裏扣然後再算個人所得稅。

yangxh7

这个就是car leasing.

利：基本上他们把利都讲了，买车省GST，pre-tax benefit等；
弊：平时维护车的钱交的多于需要的，四年lease下来总费用多于全款买车自己维护开四年。

ivy-liao

四年后不是把车还给他们，是有个bloom payment,把尾数付清车才是你的

garysu

要具体看合同细节，你把资料提供给他们，让他们给你一个详细的quote

simonwang

The key question LZ should ask is whether you can have your own financier so you may have lower interest rate. The salary packaging companies all charge you higher interest rate, currently from around 6% to 15%.

Check with your HR. If you can use own financier, most certainly you can save money to get your new car by way of novated lease. If not, the result would be case by case.

By the way, these days hardly any novated lease is an operating lease, i.e. you return the car at the end of the term. More likely, what they said is that you can sell your car to cover the residual value, typically they can arrange the auction for you. That's just another way to get some profit out of you car for them.