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Tips for Getting Approved for a BMW Car Finance Loan
Save Up a Bigger Down Payment
Since a BMW might be more costly than some of the cars that you have purchased in the past, you might need to save up a slightly higher down payment for it. This is a good idea for a few reasons. For one thing, your BMW Car Finance Stratton lender might require you to pay a higher down payment if you are buying a newer-model BMW with a bigger price tag. Plus, if you save up a bigger down payment, you can increase your buying power so that you can buy a nicer and newer car. Additionally, it will help you keep your monthly payments down so that you can drive a BMW without it putting too much of a crunch on your budget.
Work with the Right Lenders
Another thing to think about when shopping for a BMW car finance loan is that the lender that you choose really does matter. If you find a lender that specializes in financing people for higher-value luxury vehicles, then you might increase your chances of getting approved. If you have a slightly lower credit score, then you may want to look for a lender that offers loans to those who do not have the best credit..
Work with Your Dealership
While shopping for a BMW, you might have stopped by your dealership quite a few times. You may have looked at the different cars, talked to a few sales professionals and even test drove a couple of vehicles. One thing that you might not have asked about, however, is if you can get help with securing a BMW car finance loan. However, you should know that the people who work at these dealerships often have strong working relationships with BMW car finance lenders, so they might be able to help you with this process. This can make it faster and easier for you to get approved for a BMW car finance loan.
3 Reasons to Offer a Novated Lease to Your Employees
1. Your Employees Get to Drive New Cars
Who doesn’t love the idea of driving a brand new car? By offering a novated lease to your employees, you can make it possible for them to drive a brand new car at a cost that will be affordable for them. This can be a great perk for the employees who you would like to keep happy. When you see all of the new cars parked in the parking garage or parking lot at your business, it’s sure to make you — and all of your employees — happy.
2. Increase Your Employees’ Incomes
If you ask your employees about the perks that they would enjoy and appreciate the most, many of them might say that they would love to get a raise. With a Novated Lease at https://www.strattonfinance.com.au/novated-lease, they can actually enjoy more of their incomes. This is because they can use their pre-tax incomes to help pay for the cars that they lease, allowing them to make use of more of their money. This can also help them pay less taxes overall, since their annual post-tax incomes will be so much lower. It’s like giving your employees a raise.
3. It Isn’t Risky for You
Even though it might be important to you to provide your employees with perks and compensation, you may want to avoid doing things that are overly risky for your business. Luckily, a novated lease is not a risk for your business at all. This is because the novated lease will end if your employee no longer works for your company, so it will not be something that you have to worry about.
The Ins and Outs of a Novated Lease
A novated lease can be advantageous for people who work for companies. If you’re in need of a vehicle for work applications, then it may be a smart time to delve into the vast lease world. A novated lease essentially is a straightforward concept. If you get one, then you basically get a salary package for a vehicle, nothing more and nothing less. It can help significantly to understand all of the advantages that are associated with a novated lease prior to proceeding. It may be able to give you access to perks you didn’t know were possible. If you receive this type of lease, then your vehicle lease payments are taken out from all of your “before tax” payments. Your place of work takes out these wages.
It can be frustrating to cover a vehicle using a net salary. If you’re looking to save a substantial sum of money after you take care of taxes, novated leasing may be a strong choice. It can be a great thing for people who wish to pay decreased amounts of taxes. It can be a fantastic thing for people who prefer the idea of higher amounts of disposable income as well. Novated leasing in many ways can be comparable to a salary increase, surprisingly enough. The best thing about it is that employers don’t have to accommodate these salary increases. It’s a win-win situation for everyone involved. Novated Lease Calculator at https://www.strattonfinance.com.au/novated-lease/online-quote.aspx
Novated leasing can also be a serious boon for people who don’t have much spare money and time. If you want to reduce costs that are associated with purchasing a vehicle all by yourself, novated leasing may be a strong approach. This leasing concept can help reduce all of your fuel costs, first and foremost. It can help you save considerable amounts of money on everything from reporting to routine maintenance. It can help you save big time on all vehicle service appointments as well. It can come in handy for people who live in fear of the costs that are associated with vehicle repair needs.
This leasing can be appropriate for people who crave a lot more flexibility in their lives. If you want to be able to pick a vehicle that’s optimal for your driving preferences, this form of leasing can be helpful. It can be beneficial for people who don’t want to be forced to pick between small numbers of company vehicle choices. It can be great for people who want to have the freedom to be able to pick cars that accommodate their individual lifestyle and budget requirements. Novated leasing, last but not least, doesn’t force people to have to return their vehicles in the event of job changes. If you begin work for a brand new employer, you can simply transfer your vehicle lease to the company. The process is both easy and quick.