有没有人用过Maxxia or NLC ? 进来谈谈看法吧.

ggjackie

From 1 January 2020 salary sacrificed amounts can't reduce or negate your employer's compulsory super contributions. Your employer must calculate their compulsory superannuation guarantee contributions on your pre-salary sacrifice income.

不知道是否正确， 请Simon指教
https://community.ato.gov.au/t5/ ... G-amount/td-p/83555

Prior to 1 January 2020 salary sacrificed amounts contributed as an employer (concessional) contribution, could reduce or eliminate the employer's obligation to pay super guarantee. The required employer super guarantee contribution was calculated on the reduced earnings base which did not include the salary sacrificed amount (even if the salary sacrificed amount was not contributed to super).

hweeyatt

ggjackie 发表于 2021-6-20 19:26
你上面的两个Quote都太简单，看不出什么名堂。比如车价的构成：车价，Option，折扣；FBT Value; Interest ...

Maxxia pending for quotation update , gonna change the car from ASX to Haval(28k) ! :)

Price is same with dealer and not receiving any family benefit

ggjackie

hweeyatt 发表于 2021-6-20 23:39
Maxxia pending for quotation update , gonna change the car from ASX to Haval(28k) ! :)

Price is ...

我感觉首先在没有FamilyTaxBenefit的条件下，Lease肯定可以省一些。
上面Pretax447.59换算成年11637，本来88000可得到68253, 现在76363可得60630，(https://paycalculator.com.au/)
实际相当于PostTax付出7623, 从Post-tax实际付出6160， 共13783，加上Residual后开一年花费35582.
如果自己买33000，加Petrol（2000litrex1.30)=2600, 保险1000， Service250， 利息节省（如果有房贷等）33000x2.5%=825，
共约37675， 应该是约2100的BetterOff。
如果自己买保险便宜很多的话可以用自己的。有些没有用到的东西如轮胎听说有的Lease可以Refund的。

看来每个Lease公司的Quote都很不一样，项目的名称，实际包括的内容都看来不尽相同。也不是太懂。
Financed30200-Residual（19820 （No GST））-running cost5800（223x26）=4580，我认为这里面就是Finance的Broker和管理费，利息，以及Lease的管理费，还蛮高的。。

另外Jolion最高配在官网上也只有30990Driveaway，为什么这么贵？之前的Haval H2 LeasePlan的一年Residual竟然只有43%。

板门弄虎，错误之处请大神们指教

simonwang

hweeyatt 发表于 2021-6-20 23:39
Maxxia pending for quotation update , gonna change the car from ASX to Haval(28k) ! :)

Price is ...

Please post the initial quote from Maxxia, need to confirm one thing first before helping you.

simonwang

ggjackie 发表于 2021-6-20 21:40
From 1 January 2020 salary sacrificed amounts can't reduce or negate your employer's compulsory supe ...

Short answer is yes, SG is based on original OTE now. It took really long time to finalise that piece of legislation.

In the past, the employer theoretically can reduce SG in accordance with the new gross salary, however, most employers would determine to maintain the same amount of SG in their salary packaging policies.

hweeyatt

simonwang 发表于 2021-6-21 08:12
Please post the initial quote from Maxxia, need to confirm one thing first before helping you.

Noted that the running cost is slightly different ( ~20) and also pending on new quote for Haval instead of asx

hweeyatt

ggjackie 发表于 2021-6-21 08:00
我感觉首先在没有FamilyTaxBenefit的条件下，Lease肯定可以省一些。
上面Pretax447.59换算成年11637，本 ...

Thanks for sharing, I have excluded those tyre replacement and unnecessary insurance and opt to select my own insurance provider. Also, normally I will add about 4000km+ for travel for work expenses which brings a rebate of $1000.

Here is how I calculate
Lease = $530.09*26 + $21802 (residual value) = $35584

Cash running cost = $223*26 (full year running cost if matching with their quote as remaining balance will be refund after tax) * 1.1 (as their running cost is GST free) = $6380

Cash cost = $6380+ $33000- $1000 (tax car expenses saving) =$38380

Total saving = $2976

ggjackie

This is my lease company's reply:
Any unspent funds in the tyre budget, fuel budget, maintenance budget, rego budget & Misc Operating Cost budget will be sent back to your payroll at the end of the lease when the residual value has been paid.

ggjackie

hweeyatt 发表于 2021-6-21 11:51
Thanks for sharing, I have excluded those tyre replacement and unnecessary insurance and opt to se ...

对Jolion也有兴趣，如果可能拿到Quote或可以分享一下，谢谢。

hweeyatt

ggjackie 发表于 2021-6-21 18:43
对Jolion也有兴趣，如果可能拿到Quote或可以分享一下，谢谢。

spoken to two dealers, seems like no room for price and comp service, but I think can negotiate for mat and full tank of fuel, hoping to get windows tint as well. Looking to get Lux

hweeyatt

Final quote



Will adjust NLC fuel consumption but after all Maxxia rate is 9%+ and francier fees.

NLC claims to be no additional fees, hence most likely will go with NLC.

Any final piece of advice ?

jimwh

可以自己去deal买车，lease公司付钱。
别用他们的保险，自己去quote下。
用CBA的fianance，如果不让的话要他们match CBA。
说有的油和保养都自己做，找他们报销。
其实最好的是self manage lease

hweeyatt

jimwh 发表于 2021-6-22 14:16
可以自己去deal买车，lease公司付钱。
别用他们的保险，自己去quote下。
用CBA的fianance，如果不让的话要 ...

Thanks for sharing,

I'm doing that exactly , going to dealer for the car and lease pay it up and insurance quote from NLC is selected by me. ( suncorp)

What I don't understand is the finance, CBA novated lease loan min 24 months ? Seems like NLC rate is around 4%+ and no establishment fees which is much cheaper than Maxxia

jimwh

hweeyatt 发表于 2021-6-22 17:30
Thanks for sharing,

I'm doing that exactly , going to dealer for the car and lease pay it up and ...

CBA的手续费是比较高，如果你拿到的比CBA的还好，那就用自己的。反正就是一切自己搞，别用lease公司推荐给你的，除非他们给你的更便宜。

ggjackie

不懂为什么Lease的Buying power在哈佛这儿一点都不起作用。其实利率上下几个百分点在整个repayment中的分量好像并不太大，考虑到贷款的额度和属于税前支付。

hweeyatt

ggjackie 发表于 2021-6-22 19:12
不懂为什么Lease的Buying power在哈佛这儿一点都不起作用。其实利率上下几个百分点在整个repayment中的分量 ...

Agreed, they even said they don't have network with Haval in WA and ask me to go negotiate the price myself.

As for the rate , I guess because is a small car hence the differences is quite minor, mainly the establishment fees.

hweeyatt

ggjackie 发表于 2021-6-21 18:43
对Jolion也有兴趣，如果可能拿到Quote或可以分享一下，谢谢。

Brought it yesterday, Jolion Lux for $27990 white. Only managed to get fuel and mat.

Considering paint protection.

ggjackie

hweeyatt 发表于 2021-6-26 16:40
Brought it yesterday, Jolion Lux for $27990 white. Only managed to get fuel and mat.

Considering  ...

Nice. When will the car be available?

hweeyatt

ggjackie 发表于 2021-6-26 14:57
Nice. When will the car be available?

The car is available now (Perth) , but just pending on NLC to release the payment.

Now doing research on if I should get the ceramic coating for paint protection.

ggjackie

hweeyatt 发表于 2021-6-28 00:05
The car is available now (Perth) , but just pending on NLC to release the payment.

Now doing rese ...

I did ceremic coating by myself before. It only looked good in the first year or two.

hweeyatt

ggjackie 发表于 2021-6-28 06:59
I did ceremic coating by myself before. It only looked good in the first year or two.

In the end decided just DIY with some simple solution like turtle wax ice seal n shine. :)

suke06

hweeyatt 发表于 2021-6-28 11:27
In the end decided just DIY with some simple solution like turtle wax ice seal n shine. :)

did you put FBT 20% post-tax contribution in there?
FBT is Fringe benefits tax, not Family benefits tax..

Now most of people use 20% so if you car is $30,000 then you have to pay $6,000 a year post tax (used be 11% if you drive 25,000 KM or more a year, but FBT policy changed couple of years ago).

hweeyatt

suke06 发表于 2021-6-29 10:12
did you put FBT 20% post-tax contribution in there?
FBT is Fringe benefits tax, not Family benefit ...

Yea, refer to the quote above, $ 5280 for post tax.

suke06

hweeyatt 发表于 2021-6-29 12:32
Yea, refer to the quote above, $ 5280 for post tax.

When I did my NL, that 20% was really a big concern.. my car was $67,000 then 20% out of pocket is $13,400. You may save 10%GST from the purchase price but  that is pre-tax, where 20% is post tax..

hweeyatt

suke06 发表于 2021-6-29 10:36
When I did my NL, that 20% was really a big concern.. my car was $67,000 then 20% out of pocket is ...

Are you still doing the lease ? mind to post it out and let's look into it together ?

suke06

My car is still on lease but that is the fifth years now.  I renew the release every year to minimize the residual value. So now my car on market is probably $60,000 (It is Patrol Y62) but my residual value for the car is now only $12,000 and I only pay 2,400 for FBT.  .

To be honest, you need really look what sort of car you want, if your car has a very cheap running cost, it is not worth to do NL

suke06

One more thing if you want to get the most out of your NL, choose the car which priced above the LCT tax (which include GST) but once deduct the GST, the value is under LCT threshold. So you are buying a car with GST free and also LCT free.  

ggjackie

suke06 发表于 2021-6-29 12:52
My car is still on lease but that is the fifth years now.  I renew the release every year to minimiz ...

Is LeasePlan still allows renewing every year? It is not allowed by ATO though.

suke06

ggjackie 发表于 2021-6-29 13:22
Is LeasePlan still allows renewing every year? It is not allowed by ATO though.

Only if you change your payroll company. So in theory, it looks you changed to a new employer...

Sorry, forgot that.. This may not apply to permanent staff as they are not able to change payroll company.

hweeyatt

suke06 发表于 2021-6-29 10:52
My car is still on lease but that is the fifth years now.  I renew the release every year to minimiz ...

can you please explain more about the benefit of renewing it yearly ?

isn't the calculation works as :
Residual value amounts are
calculated as follows:
12 Months 65.63%
24 Months 56.25%
36 Months 46.88%
48 Months 37.50%
60 Months 28.13%

So by renewing the lease at the end of year 1 to another year then the residual value will still be 56.25 ?