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

hankz

悟空空 发表于 2012-11-27 13:27
太刺激了，我这一楼一楼的看下来，真心跪了。
对的，这确实要考虑各自的情况。我们俩确实没存款。FBT好像也 ...

FBT其实也是你付得。deduction包括了pre-tax & post-tax. pre-tax是付车的running cost; post tax那块其实就是预付了你projected FBT。

cvilland

I would say you wont save that much as fleet company quoted to you. Especially when your employer only nominated certain re-approved fleet company to you. You will have less bargain power with them.
Also, some times you will find the saving from Novated Lease is less then the discount you buy with cash. And there will be impact from the millage you drive every year, more you drive more cost you have to absorb.
BTW, my tax agent told me also, once you go for Novated Lease, you can NOT claim tax deduction again, because your car is already tax free. Correct me if HE was wrong.

I would say if you have less 150k pre-tax annual income, Novated Lease is not that good for your tax saving purpose, but may a good option if you have less cash flow.

simonwang

Agree with "I would say you wont save that much as fleet company quoted to you". Fleet company compares lease and finace at the same interest rate. However, there is no fleet company in an associate lease case.

Can't agree with "more you drive more cost you have to absorb". The more you drive, there is more tax saving from a lease as otherwise you have to pay for fuel from post tax dollar and without ITC refund.

Your tax agent is correct as the car is employer provided benefit so no expense is paid by yourself.

Can't agree with your last point, depending on your definition of "good option". Saving couple thousand dollars each year is good enough?

ilwoof11

非常好的讨论，多谢simon的解答！

yysix

simonwang 发表于 2013-11-20 12:21
Agree with "I would say you wont save that much as fleet company quoted to you". Fleet company compa ...

请教一下高人，看到你另一个7月份的帖子里说的新的政策，但是没有搞明白。是说明年4月以后签的notated lease合同就不会享受到太多利益了吗？多谢啦。

Wattle

Sparky 发表于 2012-11-27 13:58
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 ...

新签的lease已使用新的flat rate,不用像以前那样没事空跑以达到预定的公里数了。

simonwang

yysix 发表于 2013-12-4 00:02
请教一下高人，看到你另一个7月份的帖子里说的新的政策，但是没有搞明白。是说明年4月以后签的notated le ...

工党的政策被自由党取消了，所以对明年没有什么影响。但建议签一个两年的lease，然后在下次大选前正好renew 或者换新车，以免工党上台又要动FBT。

yysix

simonwang 发表于 2013-12-5 17:21
工党的政策被自由党取消了，所以对明年没有什么影响。但建议签一个两年的lease，然后在下次大选前正好ren ...

明白了。多谢啦。

z18xer

回帖里 牛人太多了

AVC

marked！！

fonfun

刚签了个lease,前段时间也一直在研究这个问题，开始也觉得不划算，但后来看了lease plan的报价后改变了决定。因为现在FBT已经没有公里数等级了，所以也不用担心公里数不到要背上负担。总体来说还是要看车价，我选lease的原因主要还是因为他们提供的价格有竞争力，还省下和dealer磨价格的时间，我当然也拿了他们的价格去问了几家dealer,同样要求novated lease报价，他们看了看摇摇头直接说你还是去那边吧。我最终选了最短12个月的lease,因为第一年折旧33%最高，这样就算12个月后付尾款66%加GST,加上一年的repayment,算下来还是比足迹上讨论的价格合算些，到时候想换车也更灵活。另外还有税务优惠，总之还是具体情况具体分析。

fruitcandy

mark

yacon

这个话题帖子好多，收藏先。

bt123123

simonwang 发表于 2012-11-27 15:28
If salary $65K (net income $51,353), the car is $13200, average mileage 15,000. Fuel Combined (l/1 ...

Hi I have one question about my novated lease.
could you pls help?

Car value : 41,000 inc GST
36 month

Lease rental       $ 9384 p.a.
Admin                 $ 360
GST on PTC       $ 745.45


I will not consider fuel, maintenance and rego because I need to pay anway.....

Gross income $75,000
after deduction $ 40,000


I doesn't look like I can get benefit from the lease.

If not novated lease, I need to take $41K from mortgage offset account.  Let say 5%.

bt123123

here is the monthly detail

bt123123

here is the detail

idlepoison

这依然是晒工资贴了啊

chingwu

之前研究过 总结几点吧
1.  12个月的合约最划算
2.  车价越高越划算(省的税多)
3.  新车比旧车划算
(每月的payment中有operation和maintenance费用，但有些是premium有些是budget，
premium是保费，车越旧这个越高，没用到也不退，
budget是预算，先预估一个每月定期付，合同结束没用完的照退)

4.  年薪8万 车价20000新车，一年能省2-3k吧
如果是旧车，差不多是给lease打工啦，顶多省一年利息，适合手头没子弹的朋友
但是旧车申请lease， lease plan公司需要4年内 10万公里内

hisoka0312

工资税前8W3   刚刚salary sacrifice了一辆MAZDA 3 SP 25 GT  32800 保险大概1000 一年油费 1500 service 300   12个月的LEASE  quote上边每个fortnight 的take home pay 少了576。。。。。换算成一年大概是15000  最后PAY OFF 的话  需要交21753.55.。。。书读的少 怎么加着加着感觉自己没省下啥钱呢。。。。

zl5431

前阵子脑子热，问了个霸道gxl，左算右算不划算，不买了，继续开我几千块的拖拉机

steven_sa

知道有这么一档子事,就是整不明白

fangray

围观学习

lll2008

有用，mark一下。

michelleW

3年后车不归自己，算了一下，不合算

prado999

bennytang 发表于 2012-12-25 00:00
可以，身边有例子！
我的想法更极端，由于1年期省税最多，我想反反复复的申请的1年期novated lease，请足 ...

我也是这么算来算去，都是租一年期的最合适。反复仅租一年，再续租，比一次租三年来得合适。求证中！

bennytang

prado999 发表于 2014-11-14 15:36
我也是这么算来算去，都是租一年期的最合适。反复仅租一年，再续租，比一次租三年来得合适。求证中！ ...

续租不划算的，我算过了。
可能最适合的就是年年买新车，开一年就卖。

zhuhong_maggie

baoda2

总体而言，NL 的take Home pay 跟1.8%的car loan差不多。NL买车不用GST（省10%车价），但是利息高达9.79%。 虽然有些税前抵扣，但是税后仍然要付车价的20%。比如车价6万，每月税后ECM（employee co contribution)仍然要付1000。公里随便填，30K Km一年的话，四年后residual是20%。 其实也减不了多少税，一年减taxable income最多1万。没什么太大用。适应于税率47%的那些人。我还达不到，现在效果就等同于1.8%的car loan. 但taxable income弄下来， 孩子妈能多拿点 FTB， 也是有点好处

ManauDou

我最近也在看，只不过真的不想从房贷拿钱出来，贷款利率又太高。。。原来丰田有2.9%贷款那种挺好，可惜没有喜欢的车型。

JerryWu

看不明白啊
Maxxia novated lease怎么样？ 有通知用过么？