# INTRODUCING MAXXIA MYCAR A GUIDE TO NOVATED LEASING AND SALARY PACKAGING THE CAR YOU WANT

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1 INTRODUCING MAXXIA MYCAR A GUIDE TO NOVATED LEASING AND SALARY PACKAGING THE CAR YOU WANT X Communication Plan (0909) Maxxia Pty Ltd

4 THE EMPLOYEE CONTRIBUTION METHOD Under this method the repayments and all running costs are paid with a combination of pre tax and after tax salary. These two amounts are calculated in the budget we prepare for you and appear as separate items on your payslip when you start salary packaging. Why some after tax salary? The Australian Tax Office has determined that where an employee contributes a certain amount of after tax salary toward the cost of the car, the liability for Fringe Benefits Tax, FBT, (which is normally payable on the car) is reduced to NIL. So in effect what s happening is that you re offsetting the Fringe Benefits Tax that normally would have to be paid with some of your salary that has been taxed at your marginal tax rate not at the rate at which FBT is charged which is 46.5%, the highest tax rate. How much after tax salary is used and how much is pre tax? This is determined by a specific calculation (we do these calculations in your proposal). Basically it s taking the base price of the car & multiplying it by a statutory percentage. The percentage is directly related to the number of kilometres that you travel in the car each year. To clarify that let s look at an example: Let s say the cars base value is \$20,000 & you travel 16,000km a year. The statutory percentage would be 20% as indicated by the chart: Km s per year Statutory % Less than 15,000 kms 26% 15,000 kms to 24,999 kms 20% 25,000 kms to 40,000kms 11% Over 40,000 kms 7% The amount of after tax salary contributed to this car over the year to reduce the FBT to nil is \$4,000, (\$20,000 x 20% = \$4,000). This is equivalent to what s called the taxable value of the car). The car for example may cost a total of say \$10,000 for the year including lease payments & running costs of which \$4,000 would come from after tax salary \$6,000 would come from pre tax salary. But let s say you do 25,000 km per year. The calculation is now \$20,000 x 11% = \$2,200. So in this example, of the \$10,000 it may cost to operate this car \$2,200 would come from tax paid salary and \$7,800 from pre tax salary. Someone travelling in the higher km brackets would therefore gain a larger benefit. HOW THE CAR IS FINANCED A salary packaged car is financed through a finance lease. In practice a finance lease is very similar to a car loan. The financier provides the capital to purchase the vehicle just as if you had taken out a personal loan. Over the term of the lease (can be 1 to 5 years); the financier is repaid the cost of the car plus interest. The following chart sets out the lease terms and approximate residual amounts: Lease Terms Minimum residuals 12 Months 65% 24 Months 55% 36 Months 45% 48 Months 35% 60 Months 25% What is a Residual? A finance lease assumes that at the end of the lease term a pre set value would be achieved on the car. This is called a residual. An amount that the tax office assesses would be the approximate market value of the car at the end of the lease term. Residual values on a lease agreement are determined in accordance with ATO Interpretative Decision 2002/ What can I do about the residual at lease end? At the conclusion of a lease, you may wish to submit an offer to purchase the vehicle at the residual price contained in your finance agreement. The options you have are: Sell the car privately, pay out the residual. Re-finance the residual and continue to package the car. Trade the car in, pay out the residual and package the new car. You could stop salary packaging the car and simply refinance the residual. Or, simply pay out the residual with cash if you wish. It is important to note that you are responsible for the lease at lease end.

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