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Volvo Home > Finance
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An automotive finance specialist is available to offer a complete range of Finance and Insurance packages tailored to suit both Individuals and Businesses, purchasing new and used Volvo cars and other Prestige products.
With fixed interest rates you can control your finances for from 1 - 5 years, leaving your cash available for other investments.
You can choose from:
Corporate Hire Purchase
This is a contract for the hire of the goods with an option to purchase at any time during the agreement.
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Payments can be structured around a balloon payment to reduce monthly instalments and can include associated costs, such as registration, warranty, on road costs.
Subject to credit approval, 100% finance is available.
Interest and depreciation are generally tax deductible.
This is available for the business user and can be approved in the name of an individual or a company.
Contact Anthony Hernandez to find out more (02) 9412 7555
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Leasing
The financier owns the vehicle and agrees to lease it to you for a prescribed monthly rental.
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Which can also include associated costs such as registration, warranties etc. Residual guidelines are set down by the ATO.
Rentals, which attract GST are fully tax deductible, provided the vehicle is used to generate tax assessable income.
A finance lease is for the business user and can be approved in the name of an individual or a company.
Contact Anthony Hernandez to find out more (02) 9412 7555
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Novated Leasing
This is a 3 way agreement amongst the financier, you and your employer.
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Where you have the responsibility for the vehicle and your employer arranges to make instalments from your pre-tax income.
You can keep your vehicle should you change employers.
The employer's responsibility only extends to making the monthly instalments.
Whilst the lease rentals attract GST (as with a finance lease), the employer can claim this component as an Input Tax Credit.
Other related expenses, such as registration, warranty etc can be included in the monthly rental.
Contact Anthony Hernandez to find out more (02) 9412 7555
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Chattel Mortgage
You have full ownership of the vehicle from the outset of the agreement, which is supported by a mortgage over the vehicle.
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Interest and depreciation are generally tax deductible.
A balloon payment can be included to lower your monthly payments and control your cash flow.
Other related expenses, such as registration, warranty, can be included in the monthly rental.
Contact Anthony Hernandez to find out more (02) 9412 7555
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Consumer loans
This is available when purchasing a vehicle for private or domestic use.
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You have full ownership of the vehicle from the outset of the agreement.
You can make an initial deposit of any size if you choose, and you may also include a balloon payment to minimise the monthly instalments
Increased frequency of payments reduces the amount of interest you pay and also reduces the term of the loan.
We provide professional, personalised service, and appreciate the need to minimise paper work and time for our discerning clientele.
As a consequence, the majority of approvals are made within 24 hours, and the paperwork completed at delivery.
Contact Anthony Hernandez to find out more (02) 9412 7555
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For more information or for a confidential discussion please contact:
Anthony Hernandez | ahernandez@alto.com.au | (02) 9412 7555
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