Volvo automotive finance and insurance at Melbourne Volvo Brighton Dealership VIC

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Finance & Insurance

Flexible contract terms, from 24 to 60 months.
Monthly repayments are based on the amount you wish to finance, less the balloon (final instalment) at the end of the hiring period.
Costs are known in advance, and fixed repayments make budgeting easier.
Where the vehicle is used for income producing purposes, interest charges and depreciation may be tax-deductible.
Hire Purchase enables you to place a deposit into the contract, either as cash or by using the equity in your current vehicle as a trade-in.

Select the contract term (from 24 to 60 months).
During the period of the contract all payments are fixed.
Elect to have a balloon (final instalment) on the contract, or you can choose a contract without a balloon, and therefore enjoy full ownership of your vehicle at contract end.
Where you can demonstrate some business use, you may be able to claim a tax deduction for that portion.

Chattel mortgage is designed especially for those sole traders and partnerships, who account for their business operations on a cash basis.
Individual business customers accounting on a cash basis can claim back GST as soon as they lodge their next Business Activity Statement (BAS).
The customers may select contract term, deposit amount and balloon payment, enabling them to set the monthly repayment to exactly suit their Budget

Finance Lease payments are made from pre tax income, not after tax profits.
Where the amount financed is below the Depreciation Limit ($57,009), a lessee may claim the monthly repayment as a deduction.
Above the Depreciation Limit, interest charges on the contract and depreciation up to the value of the Depreciation Limit are deductible.
Flexible contract terms from 24 to 60 months are available, and as the residual value can be varied according to the contract term.

Select the contract term (from 24 to 60 months), and the most suitable residual value, you can tailor your monthly repayment.
The repayments are fixed and known in advance.

The inclusion of a motor vehicle as part of an employee's remuneration package.
The employee decides what type of vehicle they want, and then enters into a finance lease with a finance company.
Employer agrees to take on the obligations of the employee under the lease. Under this arrangement, the employer makes the monthly lease payments on behalf of the employee. Should the employee leave his or her employment for any reason, the 'Novation Agreement' ceases and the obligations assumed by the employer revert back to the employee.
The lease is portable, so should an employee move to another job, they take the vehicle and lease with them.
A Novated Lease can also be tax effective, as all vehicle running costs are paid from the employees pre-tax income.
A Novated Lease ensures that the motor vehicle is deemed to be 'held' by the employer for FBT purposes, while the vehicle is perceived to be 'owned' by the employee.
Lease payments do not represent income to the employee, nor is the employee entitled to claim them as a tax deduction.
The employer will be entitled to a tax deduction for the running costs (lease payments, insurance, registration, fuel and service and maintenance) as part of the employees remuneration package.

To find out more about our products send your questions electronically here or call us on the numbers provided.