Chattel mortgage vs lease, the ATO residual formula by asset life, the permanent $20,000 write-off and the pool, what lenders check on a used truck, and a $150,000 prime mover worked with and without a balloon.
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Every figure is dated and traceable to a public source. The last section of the guide lists them.
Chattel mortgage, finance lease, operating lease, hire purchase and novated lease: GST, interest, depreciation and the car limit.
The ATO formula by effective life, why a truck floor is 25% and a trailer 37.5% on five years, and what a balloon does to the repayment.
Age at end of term, new vs used, dealer vs private, deposit, low-doc paths, insurance and the $2 PPSR search.
What moved this year, and what it costs you
Six ways to fund the same truck, with six different tax outcomes
The ATO minimum, the effective life columns, and what a balloon really costs
$20,000 is permanent, and most of your gear is well above it
Asset age at end of term, deposit, documentation and the security
Refinancing owned gear, funding the invoice gap, and the most expensive money in the business
What is actually published, and what nobody publishes
What to settle before you pay a deposit
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