关于salary sacrifice买车避税的详细问题

ewanka

问个我关心的问题：
我上fleetpartners这个网站，其提供各种salary sacrifice的服务，但是我有点搞不太清楚它提供的数字。
我随便选了两车，最终的结果如下图（截屏）：
这张图中，SAVING ￥2946是说它的车比外面买便宜的价格吧？ ￥23,486是指最终的成交价格吗？  还有其他收费吗？

ewanka

接下来，我又添了一些个人数据，具体省了多少钱可以见下图：

最左边那个￥356是什么意思呢？
最终一年我可以省￥2608，三年下来就可以一共省￥2608 x 3= ￥7824，是这样理解吗？
车的原价是￥23489， 但是我等一说只花了 23489-7824= ￥15665，可以这样理解吗？
中间没有其他收费吗？

ewanka

我把年行驶里程换成40000公里（之前填的是15000公里），与第二张图比较，最终结果发生较大变化，如下图。
年行驶公里越多越省钱？为什么呢？
公里数为什么对最终能省多少钱产生影响呢？

ewanka

再接下来，如果我把lease term从36个月改成60个月，公里数不变，认识每年行驶15000公里 结果如下。
最终60个月，一共节省$2193x5年=$10965，基本上只相当于半价买了此车。
而如果是36个月，一共节省$2608x3年=$7824

所以lease term越长，似乎越省钱，请问这样的推断正确吗？ 谁能分析一下为什么会如此呢

ewanka

帮顶啊

bowensyd

你不理解lease是什么意思吗？

simonwang

You'd better ask first two questions to the fleet company as they know the details. Here is some information I could help:

1. $2946 is normally the saving on GST and dealer charge, $23,486 should be the final price excluding GST. Or $2946 is purely the saveing of dealer charge as novated lease can have fleet discount;

2. $356 is the after-tax cost for leasing and running the vehicle after saving, the saving is to compare if you lease the car as normal finance against if salary packaging; but it is usually overestimated;

车的原价是￥23489， 但是我等一说只花了 23489-7824= ￥15665，可以这样理解吗？no, as above mentioned, it is to compare if you lease a car at $26435 as normal finance.

Usually they will charge fee.

3. The FBTof a car fringe benefit is based on the mileage if using Statutory Formula Method, the more you travel, the lower FBT you will pay. On the other side, you will have more running cost as travel more, therefore the tax saving will be higher. Remember, the comparison is alway if you package against if not package. You should not compare travel 15000 km against 400000km.

4. Similar to the above, the saving is not to compare different scenarios but to compare if package or not package. Generally, you will save more if lease is shorter as the residual value % will be higher pa.

Hope it helps.

lostme

关心一下，不过觉得麻烦，还是直接买了车

motorhero

羊毛出在羊身上。我算不清你省多少钱，但是fleet company 赚的是你的钱，你的雇主没有给你多发钱，就是说你和税务局一块养fleet company, 税务局不傻，估计没有少收税，所以fleet company 的利润和人员工资就是你辛辛苦苦省的税钱。

JohnnySu

motorhero 发表于 2012-10-31 15:08
羊毛出在羊身上。我算不清你省多少钱，但是fleet company 赚的是你的钱，你的雇主没有给你多发钱，就是说你 ...

Very good thinking.
When this sort of arrangement can make a big difference is when the employer absorbs the FBT.

simonwang

Not sure what's the definition of big difference. How about 5% of income each year? It's good enough for me.

There is no free lunch but same reason why people use accountant to look after tax issues.

MIRACLE315

the point is
can you use this policy for your private car use?

simonwang

MIRACLE315 发表于 2012-11-9 12:59
the point is
can you use this policy for your private car use?

Fringe benefits are for private use.

MIRACLE315

simonwang 发表于 2012-11-9 13:33
Fringe benefits are for private use.

thanks,
my understanding is salary sacrifice is only used for work-related car expense, not the private car you use everday travelling from your house to workplace.

michael.jyu

MIRACLE315 发表于 2012-11-9 15:49
thanks,
my understanding is salary sacrifice is only used for work-related car expense, not the pr ...

Who told u that?

michael.jyu

simonwang 发表于 2012-11-9 13:33
Fringe benefits are for private use.

Interested in doing a Sal packaging workshop for #14?

henda

想太多没用，你就打横想， 用税前的工资买车。