澳洲请教NOVATED LEASING


在澳大利亚 决定好回国,再也不来了,定机票,说走就走!! 突然想起要退税和退super的事,打电话给公司说要payment summary,公司说现在不能给,一定要在end of financial year给 那是不是说退不成了, 突然收到2016年以来的land tax账单,有3个问题想问一下: 1. 我的投资房是2016年年中买的,任何land tax或surcharge应该只用付后半年是吧?账单上是按照全年来收的。 2. 在land tax surcharge新政


讨教一个成绩,Novated Leasing可以 选择1年leasing,一年后残值为0么?

比如 一个车是30000,我选择一年leasing,每月大致付2500 澳币,这个该当是税前支出,1年后没必要额外费用就能够拿到这个车

fringe benefit tax大致是6000 (30000×20%), 由于支出高于8万,累进税率大致37%,

现实上我额外赚的钱就是(37%-20%) 部份的支出税,这样算对么?讨教这样报税有成绩么? 还是说leasing 的term无量制?

谢谢










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Year 1  65.63%  
Year 2  56.25%  
Year 3  46.88%  
Year 4  37.5%  
Year 5  28.13%  


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谢谢,我比来研讨了一阵子后,有点理解了,如今就是详细实行成绩了


有两个选项,一个是走novated leasing 公司,但觉得各种hidden cost挺多的

一种直接跟dealer 谈好价钱后,对方说给我一张表格让公司payroll签字,然后本身年底报税

关于第二种方式,请问该当详细怎样做? dealer给我的表格终究是甚么?这是我以下假想的步骤,请指教:


1. 跟dealer 谈好价钱

2. 拿着dealder的表格找公司签字,公司当前payroll外面就会显现一条fringe benefit 的部份,我需求本身再去办个银行账户,专门接纳这笔款,这笔钱是税前工资,没必要打税的

3. dealder的存款公司会从我的账号外面charge 钱,其中一部份是从下面阿谁银行账户charge,一部份是从我普通集团银行账户charge

4. 年底交给会计师报税,到时给他看公司的PAYG和 存款公司的statement就好,由于我是选择employee contribution的,我的FBT 为0


请问以上步骤有何不妥么?谢谢

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为甚么有的novated lease 公司可以做1年 50%?

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These two methods will depend on your employer's policy. The first one is managed by external provider whilst the second one is managed internally. Both are fine if organise properly.

Some issues with your second method:

1. the employer can't simply pay the money to your bank account, what the payroll can do is to reimburse you the costs associated with the vehicle. The employer should make payment to financier on your behalf. That is the main reason some employers prefer to outsource the service.

2. FBT is an employer tax, so you don't need to do anything. The employer will lodge the FBT return.


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That will cause troubles for you, not for the leasing company. As you have too much equity in the vehicle at the end of the term, the ATO may treat the lease payment as purchase of the asset, instead of a bona fide lease.

Purchasing a vehicle will be deemed as an expense payment fringe benefit, no tax concession (except for very limited circumstances) is available. A bona fide lease may be treated as a car fringe benefit, FBT will be subject to quite generous concessions.

For the leasing company, they don't care, as long as they receive payment from you. Tax stuff is not their concern.

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我之前本身算过貌似7万摆布支出走Novated Leasing。。大约能省税2000不到点。。
但是各种 paper work。。

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It's good for expensive cars like benz bmw.

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