Please for Help [explanation financial lease contract]

[BY AFBOUW]

Hello. Can I please for help or explain me my Financial lease contract? I need it immediately and i cannot find help in my case from one month... Every accountants what i ask dont have time for me. I buy car and i think if i can drive on next day but my leverancier dont bring me this car before got full payment. Please for help i need car immediately because i dont have how go to work...

 

23 juli 2021 aangepast door Mikky Vrolijk
Title

[Hans van den Bergh]

Welcome to HL

 

Can you upload a sanitised version of the contract so our members can have a look at it?

[BY AFBOUW]

I have 3 documents - Offerte, Lease contract and invoice from leverancier. I upload now

[Hans van den Bergh]

Op 21-7-2021 om 12:26, BY AFBOUW zei:

I have 3 documents - Offerte, Lease contract and invoice from leverancier. I upload now

Before you do, make sure your personal data is made invisible.

[UwJurist]

You don't need an accountant, but a legal advisor.

 

The dealer is probably right. Ask him for an temporary solution. And otherwise rent a car, for example via Snapp Car.

 

And never sign anything anymore that you do not understand ...

[BY AFBOUW]

Relevant part of the contract met  aanbetaling (downpayment) en BTW

 

 

 

 

[Hans van den Bergh]

As far as I can see, you need to do the down payment of € 2.845,00 plus a handling fee.

[BY AFBOUW]

I pay Handelingskosten, verzekering. I be in RDW and i have Kentekenbewijs. I have any possiblities to help with any loan or fiscal help?

[Rik ·]

Op 21-7-2021 om 12:51, Hans van den Bergh zei:

As far as I can see, you need to do the down payment of € 2.845,00 plus a handling fee.

Plus the BTW € 3.537,45 (?)

 

[BY AFBOUW]

Op 21-7-2021 om 13:05, Rik · zei:

Plus the BTW € 3.537,45 (?)

 

I think Yes plus BTW... I didn't think it over, I thought it would be easy and I don't have that much money today. I have been working as a subcontractor since July 1 and I issued the second invoice, I also rented my first apartment from 13.05 in the Netherlands and also incurred some costs for equipment, etc.

[Maxn]

Did you trade in another car?

 

Op 21-7-2021 om 12:51, Hans van den Bergh zei:

As far as I can see, you need to do the down payment of € 2.845,00 plus a handling fee.

 

That is listed as "Aanbetaling+inruil naast BTW" which is ambiguous, and could also include the value of a traded in car.

 

In any case you do owe the VAT.

[BY AFBOUW]

Op 21-7-2021 om 13:14, Maxn zei:

Did you trade in another car?

 

 

That is listed as "Aanbetaling+inruil naast BTW" which is ambiguous, and could also include the value of a traded in car.

 

In any case you do owe the VAT.

No i dont trade in another car. I make BTW declaration and on 31.07 i pick up and pay to hom. But.my problem its i need car immediately and i dont want rent other if i have my own, i dont need more costs i have much

 

[TwaBla]

 

So you needed to pay € 3.537,45  but you did not have that much. How much did you pay and how much is missing?

 

You have an address in the Netherlands and you probably have a bank account that is used when contractors pay you. It seems you need to borrow a bit extra to make sure the car can be used and you can earn the money you need to pay of all loans, debts and other obligations. Can you aks your bank to give you some (extra) credit? Could a credit card help?

 

When I moved to England I got a bank account, kept a very clean record for two years and got then offerend a credit card with a £8000- limit. Banks are crazy!

[UwJurist]

If you can't get the money you need and you cannot borrow a car, rent a car, for example via Snapp Car. Those are private cars from people in your neighbourhood and not very expensive.

And remove your documents, since they disclose private information!

21 juli 2021 aangepast door UwJurist

[Roel J]

Op 21-7-2021 om 14:23, UwJurist zei:

And remove the documents, since they disclose private information!

 

Mod comment: I have hidden the documents.

@ BY AFBOUW. please be carefull not to share so much personal information. It can be abused by others. This is a public forum anyone can read the documents

 

 

[Hans van den Bergh]

Op 21-7-2021 om 14:31, Roel J zei:

Mod comment: I have hidden the documents.

@ BY AFBOUW. please be carefull not to share so much personal information. It can be abused by others. This is a public forum anyone can read the documents

That's why I asked for:

Op 21-7-2021 om 12:20, Hans van den Bergh zei:

a sanitised version of the contract

 

[Roel J]

Your options are limited to what you can do.. you will need to pay before the company will release the car, it is their (legal) right to demand payment before delivery.

 

The invoice is dated in may so you can file your BTW aangifte today if you want. Then it will take about 4-6 weeks.

But since the Tax office does not know your bankaccount to pay it to you need to let them know where to payout the VAT

see this link on how to do it.
https://www.belastingdienst.nl/wps/wcm/connect/bldcontenten/belastingdienst/individuals/other_subjects/submitting_or_changing_an_account_number/

t

he english link is a lot of text if you can also manage a little bit with dutch try this link that gives specific instructions voor BTW, it is a few simple steps in then.
https://www.belastingdienst.nl/wps/wcm/connect/nl/betalenenontvangen/content/rekeningnummer-wijzigen-doorgeven

 

until you get your VAT/BTW back you need to find a solution eighter with the carcompany or ask the financial lease company, sometimes the can also help fund the VAT.

third options is to ask the company you work for if they can pay your first invoices early (right away) if they.

 

forth option. The summervacation for building companies is starting soon. A lot of collegues of yours will park their cars for three weeks, maybe one is willing to give you his car for a few weeks for

 

Twabla also mentioned the credit card option. If you have to you could, but make sure you pay it off fast because interest is like 12-14% But if it is only for the time between now until you get your VAT. it is ok.

 

So 2 things are needed. Find cash to pay or make other arrangement.

the other thing is doing your BTW aangifte AND make sure they have your bankdetails. if they do not have them it can take several months until the payout comes..

 

 

 

[Gast Wigbolt]

Have the invoice paid by loans from your friends, family and fools network and find enough customers to comply with a short-term payback plan.

 

And insure van and equipment sufficiently.

 

BR,

 

Wigbolt

[prinsrachid]

Isn't this just a simple case of the lease company not financing your VAT liability, but instead expects you to pay the VAT upfront? You can then ask the VAT back from the Tax Office right away. Or ask the VAT back from the Tax Office using this invoice, and pay the downpayment with that.

[Roel J]

modcomment: I have unhidden 1 post with a detail of the contract that is relevant for the discussion. to help solve the problem.

other documents where the sales invoice of which the amount is on the first line of the screenshot of the Financial lease spec. Also the offerte (quotation) ws included which that is also does not have much extra info.

 

It does indeed look like the problem is focused on BY not expecting the 3500 VAT payment before delivery.

 

 

[TwaBla]

Op 21-7-2021 om 13:58, TwaBla zei:

So you needed to pay € 3.537,45  but you did not have that much. How much did you pay and how much is missing?

 

That was € 2845- downpayment and € 3.537,45 VAT that came as an extra surprise. 

 

Suggested headline: My lease car was a bit more expensive than I expected, what now? (oops, have to pay VAT too)

 

21 juli 2021 aangepast door TwaBla
suggestion headline

[BY AFBOUW]

From up thanks for all advice and support. I try booking this good and without any help in various accounting software. I have saved "bestanden" and "scan&herken". Strings in .xml its on "true" so I guess it's okay on "e-boekhouden". I am in Netherlands from 2019, I have been working in housing construction for 10 years. I have some knowledge about taxes, accounting and many other matters in the Netherlands. Will there be anyone interested in my case and help with growing up ? I want to achieve even more, but I can't do much alone. I have open ask for credit and positive BKR. I need to bring 'A more detailed business plan with a finance and investment plan confirmed by an accountant, administrative office or a business consultant." , "Recent income tax return of all entrepreneurs/directors". Thanks again for interest my case and explain from other persons not only from my mind 🙆 Met vriendelijke groeten.

 

[TwaBla]

Op 22-7-2021 om 23:27, BY AFBOUW zei:

Will there be anyone interested in my case and help with growing up ? I want to achieve even more, but I can't do much alone. 

 

Maybe Cosara can help you. She is assisting eastern-europeans in NL with bookkeeping and fiscal matters. 

[Hans van den Bergh]

Op 22-7-2021 om 23:27, BY AFBOUW zei:

Will there be anyone interested in my case and help with growing up ?

 

Did you follow TwaBla's advice to contact Cosara? Maybe it is also a good suggestion to place a call for help in our (click on:) Vraag en Aanbod Sectie 

 

 

[Cosara]

Op 21-7-2021 om 12:03, BY AFBOUW zei:

I buy car and i think if i can drive on next day but my leverancier dont bring me this car before got full payment.

The full payment excist of two parts.

 

1. You only have to pay the Car Company the VAT € 3.537,45 and a personal contribution of € 2.845,00.

2. The rest will be payed by the lease company … which part you are paying back the lase company every monthly during 36-48-60 months, according to your leascontract.