Experience Money-saving tips for buying a car, model, price and time
Original A wave of green, a drop in finance and taxation 2024-02-19 20:37 Hunan.
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My previous article "Experience Review: Buying New Energy Vehicles**, Is It More Cost-effective to Pay in Full or Installments?" (Click to read directly), which details the composition of the purchase price of the car.
Under normal circumstances, when buying a car for personal use, you need to pay vehicle purchase tax, and the tax rate is quite high, 10%.
It's not that I forgot to write, but I have enjoyed the tax incentives and I already have a writing plan.
Today, let's sort out the policy of buying a car for self-use and vehicle purchase tax in recent years.
Changes to the Policy. 2022:
From June 1 to December 31, ** does not exceed 300,000, and the displacement is 2If it is less than 0 liters, it will be levied by half.
This policy is now expired, and I am writing here, for comparison.
2023:
From January 1, 2023 to December 31, 2023: Purchase of new energy vehicles, tax-free, no limit on the amount.
Policy basis] Announcement No. 27 of 2022 of the Ministry of Finance, the State Administration of Taxation and the Ministry of Industry and Information Technology Announcement of the Ministry of Finance, the State Administration of Taxation and the Ministry of Industry and Information Technology on extending the policy of exempting new energy vehicles from vehicle purchase tax.
2024, 2025:
From January 1, 2024 to December 31, 2025: The policy is continued, and the tax exemption is still exempt, but the amount limit has been increased, and the tax exemption cannot exceed 30,000 per vehicle.
2026, 2027:
From January 1, 2026 to December 31, 2027, the discount is even smaller, becoming a halving levy, and the tax exemption cannot exceed 1. per vehicle50 thousand.
Policy basis: Announcement on Extending and Optimizing the Vehicle Purchase Tax Reduction and Exemption Policy for New Energy Vehicles (Announcement No. 10 [2023] of the Ministry of Finance, the State Administration of Taxation and the Ministry of Industry and Information Technology) dated June 19, 2023
Feel it with the data.
There are a couple of important indicators that I tell you how to look:
1. Time to buy a car: After the transaction, the 4S store will give you the invoice date on the invoice, which is the time to buy a car recognized by the tax bureau.
2. The ** tax calculation is still the VAT invoice, which has three amounts on it, the first amount is the price excluding tax, which is the base for calculating the car purchase tax.
The insurance premiums and licensing fees handed over to the 4S store are not included in the base.
Vehicle purchase tax = purchase price (1+13%) Purchase tax rate (10%), after calculation, the purchase price is 33For a car of 90,000 yuan, the tax is exactly 30,000 yuan.
Suppose the purchase price is 3390,000 yuan.
If you buy it in 2023, you will enjoy full exemption from purchase tax;
If you buy it in 2024 and 2025, the calculated tax amount is 30,000 yuan, which is exactly all exempt.
If bought in 2026 and 2027, 1After the purchase tax of 50,000 yuan, 15,000 yuan needs to be paid.
For example, the purchase price is 500,000 yuan.
If you buy it in 2023, the tax is 44,247 yuan, and you will enjoy full exemption from purchase tax;
If you buy it in 2024 and 2025, you will need to pay 14,247 yuan in tax after the purchase tax of 30,000 yuan is exempted.
If bought in 2026 and 2027, 1After the purchase tax of 50,000 yuan, 29,247 yuan of tax needs to be paid.
My advice. It can be seen from the trend of preferential policies:
1.Model selection: The policy is tilted towards new energy vehicles, and the intensity is 33Models within 90,000 are tilted, and the discount is the largest in the past two years. This is to promote energy conservation and emission reduction, in the field of taxation.
If you have plans to buy a car in the near future, it is recommended that you buy a new energy vehicle;
If you have a plan to buy a new energy vehicle, it is recommended that you start in the next two years.
2.**Range: Focus on 33The critical ** of 90,000 yuan, you can choose one lower than this**.
Of course, my local tyrant friends, you can ignore this. If you want to buy a super luxury car, you can also contribute a consumption tax to the country.
3.Pay attention to the deadline: If you want to save money on taxes, don't go ahead of the deadline.
In case of busyness, power outages, network failures and other reasons, resulting in the time of invoicing, New Year's Eve, it will be very wronged, and it will cost thousands or tens of thousands of dollars.
The invoicing system is set, only recognize the ticketing time, no one can change it, and it is useless to ask anyone.
Finally, I wish you peace! We're all fine, it's sunny everywhere.
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