算算Novated Lease的那笔帐

黑山老妖

自己胡乱算算，里面应该有不少错误。
大家随便看看。
黄格子里面的是自己填的数据。应该从novated lease公司quote里面来，reduction in takehome pay是payroll给的。

放几个数据进去看看，挺有意思的。

nicky100

你那个不准，租车公司骗人的，很多隐藏的费用他们都没算，总之一条他们怎么算你都赚钱，要不你会租？

我1年前自己做的表格，直接拿去给他们经理看的，他们都没话说，总之一点，只有3个情况下租车比自己买划得来
1. 税交的很高
2. 没有房贷也没钱，只能用车贷
3. 福利机构上班不用交FBT

其他的肯定是房贷或者存款买的划得来，按着租1，2，3年的合同来算的，利息按你表格说的12.98%

2个东西，一个算贷款的，按金额年限算你每个月该给多少，然后放到表格的P+I里，阴影的地方根基自己具体情况改。

需要的PM我email把，这里发不了附件！！！！

[ 本帖最后由 nicky100 于 2010-5-18 10:36 编辑 ]

黑山老妖

我是你说的情况里的第3种。

你的权限应该可以上传附件啊。要不zip一下看看能不能发上来？

蓝马

福利机构上班不用交FBT。 请教什么单位算是福利机构？
救世军？红十字？医院，政府，康嫂算吗？

黑山老妖

政府机构，医院系统，学校，大学，慈善机构等等。

月亮

税交得很高是啥标准？

黑山老妖

40%或更高。

garysu

老妖你计划将来是payout这个车，还是继续lease一个更新的？

黑山老妖

Rollover after the first 12months then payout after the second 12months lease expires. This gives residual value of 42.25% instead of the 55% for 24months lease.

黑山老妖

今天和一个同事聊天说起salary packing和novated lease。他说如果直接找dealer finance会便宜很多，因为dealer的interest rate很好，特别是MB, BMW和Lexus这种高端车。然后把loan repayment做成salary packaging。
他做了2辆MB了。第一辆lease结束以后回到MB在搞一辆，Dealer直接给他5000刀的credit用在第二辆车的loan上面。

luckynumber

SALARY PACKAGING车和NOVATED LEASE有什么区别吗？感觉目的都是税前DEDUCT，SALARY PACKAGING也要通过专门的机构的，不可以PAYROLL直接帮你DEDUCT的吧

黑山老妖

Salary packaging可以是novated lease或是其他的开支，比如贷款、credit card bill、房租等等。。。

蓝马

难道在非营利机构工作可以Salary packaging贷款、credit card bill、房租？

黑山老妖

原帖由 蓝马 于 19/5/2010 17:29 发表
难道在非营利机构工作可以Salary packaging贷款、credit card bill、房租？

yes up to $9000 without paying FBT. Also has meal and entertainment allownce with no upper limit.

nicky100

原帖由 黑山老妖 于 2010-5-19 22:25 发表

yes up to $9000 without paying FBT. Also has meal and entertainment allownce with no upper limit.

这个爽啊，相当于涨薪5-8千啊！！！

黑山老妖

Actually it's not that good. Because the hospital will take half of whatever you save out of the salary package. So real savings is around $3k-$5k. Those blood suckers...

qqyang

你们职员应该跟医院再达成一个协议，把这交上去的50% benefit统一放进一个供医院运营专用的慈善基金，然后这笔款项当作捐款放进去，你们拿个捐款收据还能在报税的时候多少claim一点回来。

黑山老妖

Good idea but that is not going to happen...

garysu

参合一下，我最近换了车，单位有和老妖单位类似的salary packaging。我的情况是，开的里程很少，税阶在较低的类别，想要的车也不贵(37000)，算下来每月供款确实划算。可是lease最后是要自己再掏钱买断余额，或者再开始供另一台新车，算上这一点，在我的情况里就不划算了。象有的同事每天开很多，税阶高，确实省不少钱。现在专注于看看别的项目，比如laptop，似乎很不错的说。

最有意思的是很多同事在单位里很久了，都不知道有这东西 ...

黑山老妖

最划算的是Meal and entertainment。没有上限，就是你吃饭馆，政府买单15%-20%。这个不错。和公费吃喝差不多，有助于推动经济消费。我认识的一些西人一年能报3万。最爽的是一个同事结婚，TMD政府也给他差不多买单20%。

月亮

原帖由 garysu 于 2010-5-20 11:11 发表
参合一下，我最近换了车，单位有和老妖单位类似的salary packaging。我的情况是，开的里程很少，税阶在较低的类别，想要的车也不贵(37000)，算下来每月供款确实划算。可是lease最后是要自己再掏钱买断余额，或者再开 ...

lease到期后如果还有贷款可以再接着贷吧

garysu

原帖由 黑山老妖 于 2010-5-20 11:14 发表
最划算的是Meal and entertainment。没有上限，就是你吃饭馆，政府买单15%-20%。这个不错。和公费吃喝差不多，有助于推动经济消费。我认识的一些西人一年能报3万。最爽的是一个同事结婚，TMD政府也给他差不多买单20% ...

Really？我看了半天，我这只有四项：车，laptop，super和financial advice fee。巨汗，再次证明了gov还不如public ...

zzgirl

原帖由 garysu 于 2010-5-20 11:11 发表
参合一下，我最近换了车，单位有和老妖单位类似的salary packaging。我的情况是，开的里程很少，税阶在较低的类别，想要的车也不贵(37000)，算下来每月供款确实划算。可是lease最后是要自己再掏钱买断余额，或者再开 ...

Depends what car you leased for. For example, you only need pay 20,000 to buy the car after NL ends. However, the car worth at least $25,000 on the market at that time. It means you can get at least $5000 back after selling the car.
So another key for NL is to choose the car which still has good value when it becomes second hand.

blahblah

原帖由 garysu 于 2010-5-20 11:11 发表
参合一下，我最近换了车，单位有和老妖单位类似的salary packaging。我的情况是，开的里程很少，税阶在较低的类别，想要的车也不贵(37000)，算下来每月供款确实划算。可是lease最后是要自己再掏钱买断余额，或者再开 ...

That is true.

The more you drive, the higher tax range you are in, the better benefit you can get.

But just not sure since the lease includes all the on going cost, such as petrol, insurance and service,etc, meaning that you pay everything with your pre tax income. No matter which tax range you are in, you can still have the benefit from that part. Right?

月亮

原帖由 blahblah 于 2010-5-20 11:49 发表

That is true.

The more you drive, the higher tax range you are in, the better benefit you can get.

But just not sure since the lease includes all the on going cost, such as petrol, insurance a ...

Novated lease有两种，一种是只包括车的费用，另一种包括车，油，service, insurance等等，要看公司跟novated lease公司签了哪种合同

garysu

原帖由 blahblah 于 2010-5-20 11:49 发表

That is true.

The more you drive, the higher tax range you are in, the better benefit you can get.

But just not sure since the lease includes all the on going cost, such as petrol, insurance a ...

是的，所有费用都包进去的那种，全都是pre-tax

blahblah

原帖由 zzgirl 于 2010-5-20 11:46 发表


Depends what car you leased for. For example, you only need pay 20,000 to buy the car after NL ends. However, the car worth at least $25,000 on the market at that time. It means you can get at lea ...

But you did not count the amount of money you pay on the car every month as part of your lease.

For example, if the lease is 1000 per month, it includes all running cost + the finance on the car. Say $700 of $1000 for the car itself, the actual amount for owning the car after NL will be $700 * number of months in the NS + the residual value.

I did a little bit calculation on that, the cost of owning the car. Not much difference from buying it without NL. However NL did offer the benefit on the running cost.

qqyang

有没有工资高的政府工？

blahblah

Contractor or permanent? Contractor is much better in terms of money, although it is just over the average. However with contractor, you most likely do not have any benefit.

garysu

补充一点，可能知道public sector待遇的人不太多，其实government的待遇很一般，而public的学校、医院则有很多各种各样的benefit，其中一些远比private sector要好。当然大头还是得靠工资。