请大家看一下Maxxia的这个报价合适不？

allenmlj

同事拿到一个报价，让我看一眼，我觉得这个利率好高。

Total amount financed  $93,054.91

Chosen lease term1 Years
Total residual value $63,710.91

FINANCED PAYMENTS
Includes the car on roads, Financier's establishment Fee and add-on lease insurances.
$1,843.77
RUNNING COSTS & SERVICING
Fuel 98.08
Scheduled servicing 0.46
Incidentals 13.85
Roadside assistance 3.00
REGISTRATION & INSURANCE
Registration renewal 32.11
NOVATED LEASE FEES & CHARGES
Maxxia novated leasing fee 12.69
TAX IMPLICATIONS & OTHER CHARGES
Luxury car depreciation allowance 126.13
Total Salary Packaging Deductions 2,130.09

PRE-TAX
FN Gross Income
$3,192.31
Pre-tax novated lease deduction
$1,452.02
Resulting taxable income
$1,740.29

Tax and medicare deduction
$233.75
Resulting net income
$1,506.55

POST-TAX
Post-tax novated lease deduction (ECM)
$678.07
Resulting take home pay
$828.47

maxliu123

LZ你让人看啥呀？车价在哪里？而且本来NL的interest rate就是高啊，否则人家怎么赚钱？你不能又省了tax还要interest也省对吧？

allenmlj

maxliu123 发表于 2022-6-3 11:46
LZ你让人看啥呀？车价在哪里？而且本来NL的interest rate就是高啊，否则人家怎么赚钱？你不能又省了tax还要 ...

第一句就是啊Total amount financed  $93,054.91

他有足够的现金可以买车，我算了一下不合算，但是怕我误导他。足迹高手多，所以请教一下。

jiaxi1112

一看车价就可以肯定不值了，NL买越便宜的车越值，最高也不能超过Luxury Tax limit

If the Novated Lease has an amount financed greater than the Luxury Vehicle Limit, the employer’s expense claims are lower which results in higher taxable income. Consequently, their tax payable will be higher.

maxliu123

allenmlj 发表于 2022-6-3 12:34
第一句就是啊Total amount financed  $93,054.91

他有足够的现金可以买车，我算了一下不合算，但是怕我 ...

这个是车价吗？这是total finance amount 呵呵

maxliu123

anyway 交个其他的高手吧，信息有限，看起来用了近一半的gross income来做NL，合算肯定合算，是省100还是10000以及对车的自由支配度这些就要看个人了。

子言墨锦

自己看车，找小NL公司做quote，觉得合适的话让他们挂到Maxxia做self managed leasing。比Maxxia直接报价便宜的不是一点半点。