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发表于 2020-3-14 14:35
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本帖最后由 chingwu 于 2020-3-17 17:02 编辑
19年facelift的新款现车
有Vision 和 Driver Assistance包，和其他一些小包
开走原价8万6，最后7万2成交
车买的比较急，昨天才开始看车，又必须要白色，不然磨一磨7万感觉应该可以搞定
样子是一样的，就是白色的
17/03更新，Novated Lease Quote
Your quote details
Vehicle Details:
Mercedes-Benz GLC-Class X 253 2.0 GLC 200 9G Tronic, All Terrain Vehicle, Premium Unleaded
Colour: (exterior) Polar White , (interior) Black ARTICO Man-Made leather
Residual Value (ex GST)
$43,770.00
Basic Price $ 61272.73
Discount $ -9284.31
Standard Options
Front and rear side airbag, Power steering: speed proportional with, Cruise control, Automatic air conditioning with two clim, Knee
airbags on driver side, Front and rear side curtain airbags, Rigid cargo area cover/rear parcel shelf, Drivers and passengers airbag,
Satellite navigation system with 7.0 inc, Stability controlsystem, ABS, Brake assist system, Electronic traction control, Polar White,
Black ARTICO Man-Made leather, Gloss paint
Additional Options
846-Aluminium Look Running Boards $ 699.00
840-Privacy Glass $ 559.00
897-Wireless Charging Telephone $ 280.00
Vision Package $ 3636.00
Driver Assistance Package $ 1818.00
Dealer Pre Delivery Charges $ 2,990.00
Initial CTP Insurance $ 316.35
Total $ 62,286.77
GST $ 6,228.68
GST Free Items
Security Interest $ 45.00
Purchase Stamp Duty $ 2,520.00
Luxury Car Tax $ 192.74
Initial Registration $ 698.01
Input Tax Credit $ -5,234.64
Total Amount Financed $ 66,736.56
FBT base value $ 68,360.20
Monthly Budgets
Finance Payment $ 2,109.19
Maintenance $ 58.54
Tyres (1) $ 25.50
Fuel $ 101.43
Registration $ 0.00
Insurance - LeasePlan Supplier $ 167.86
Misc Operating Costs $ 25.00
Replacement Car $ 5.00
Roadside Assistance $ 0.00
Management Fees (including FBT Fee) $ 26.50
Monthly Payment (ex GST) $ 2,519.02
FBT liability $ 1113.92
GST Payable on ECM Contributions $ 103.58
Luxury Lease Impact Costs $ 112.53
Monthly Salary Deductions
Pre Tax $ 1595.79
Post Tax $ 1139.34
总结一下，做了Novated Lease以后每月税前扣除$1596，税后扣除$1139
由于税前扣除的部分节省了37%的个人收入所得税，因此实际每月工资扣除=$1596*63%+$1139=$2145
连续扣除12个月，期末以$43770+GST的残值购回车辆
不考虑资金时间价值一共是$2145*12 + $43770*1.1 = $73,880
考虑资金时间价值一共是$72,052 (年利息3%，如果有更高的投资利息，现值更低)
所以，做了Novated Lease以后，包含一年的运行成本总共是$72,000，相较于直接购车节省了一年的运行费用，大约是$5000.
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2017六月西澳Kimberley之行 (2017-6-18) Walle 
