2008年6月10日 星期二

Car Dealer Holdback

Many car buyers don't understand what the dealer holdback is, what it is used for and what its role is, if any, in the deal-making process. Let's try to clear up some of the confusion.

Dealer holdback is a percentage of either the MSRP or invoice price of a new vehicle (depending on the manufacturer) that is repaid to the dealer by the manufacturer. The holdback is designed to supplement the dealer's cash flow and indirectly reduce "variable sales expenses" (code words for sales commissions) by artificially elevating the dealership's paper cost.

Contrary to what some consumers think, the holdback itself can't really be used as a bargaining chip. However, knowing about it might help you get a better deal on a new car. How? Well, first here's a little background:

Dealerships must have an inventory on hand so that consumers can browse and ultimately select a vehicle. Dealerships must pay for this inventory when it is obtained from the manufacturer, and the amount it pays is the price reflected on the invoice from the manufacturer to the dealer, the so-called "invoice price."

Now the twist: with the introduction of holdbacks some years ago, most manufacturers inflated the invoice prices for every vehicle by a predetermined amount (2-3% of MSRP is typical). The dealer pays that inflated amount when it buys the car from the manufacturer. But later, at predetermined times (usually quarterly), the manufacturer reimburses the dealer for that excess amount. This is the "holdback," so named because funds are "held back" by the manufacturer and released only some time after the vehicle is invoiced to the dealership.

Why the sleight-of-hand you might ask? Because holdbacks can benefit dealers in three ways:


Dealerships borrow money to finance cars based on an invoiced amount that includes the holdback. So the higher the invoiced amount, the more the dealership can borrow from its lender.


Inflating the dealership's "cost" can have the effect of increasing profit, since sales personnel are paid commissions based on the "gross profit" of each sale. Holdbacks have the effect of lowering the gross profit and thus the sales commissions.


Holdbacks enable dealerships to advertise "invoice price" sales and sell their vehicles at or near invoice and still make hundreds of dollars on the transaction.
This holdback amount is "invisible" to the consumer because it does not appear as an itemized fee on the window sticker. For example, let's say you're interested in a Chevrolet with a Manufacturer's Suggested Retail Price (MSRP) of $20,500, including optional equipment and a $500 destination charge. Let's also say that dealer invoice on this hypothetical Chevy is $18,000. The cost of the car includes a dealer holdback that, in the case of all Chevy vehicles, amounts to 3% of the MSRP, or $600. (Note that the $500 destination charge should not be included when computing the holdback.) So, on this particular Chevy, the true dealer cost is actually $17,400. Even if the dealer sells you the car for the invoice price, which is unlikely, he would still be making as much as $600 on the deal (when his quarterly check from GM arrives).

Dealer holdback allows dealers to advertise attractive sales. Often, ads promise that your new car will cost you just "$1 over/under invoice!"

Almost all dealerships consider holdback money "sacred" and are unwilling to share any portion of it with the consumer. Don't push the issue. Your best strategy is to avoid mentioning the holdback during negotiations. Mention holdback only if the dealer gives you some song-and-dance about not making any money on the proposed deal when you know that isn't true.

However, there are many other holdback-types of dealer credits, such as flooring assistance, wholesale credits, advertising credits, etc. In addition, the dealer stands to reap further benefits if there is "dealer cash" being offered by the manufacturer on the car you are considering. In many instances you can learn about dealer cash in our Incentives and Rebates section. However, unless you know all of these other fees (and who does?), establishing the dealer's true cost can be frustratingly elusive. It's for this reason that Edmunds.com has established True Market Value pricing that accurately reflects "what others are paying" by taking into account all of these fees. The Edmunds.com True Market Value Price is the "bottom line" and what you really need to know in order to negotiate a fair deal. Check it out at: http://www.edmunds.com/tmv/new/.

In summary, holdback is nice to know, but is just one small piece of a complex puzzle.

Domestic manufacturers (Ford, General Motors and the Chrysler half of DaimlerChrysler) generally offer dealers a holdback equaling 3% of the total sticker price ( MSRP) of the car. Foreign manufacturers (Honda, Toyota, Volkswagen etc.) provide varying holdback amounts that are equal to a percentage of total MSRP, base MSRP, total invoice or base invoice, as indicated in the list below.



Make Holdback
Acura 3% of the Base MSRP
Audi No holdback
BMW No holdback
Buick 3% of the Total MSRP
Cadillac 3% of the Total MSRP
Chevrolet 3% of the Total MSRP
Chrysler 3% of the Total MSRP
Dodge 3% of the Total MSRP
Ford 3% of the Total MSRP
GMC 3% of the Total MSRP
Honda 2% of the Base MSRP
HUMMER 3% of the Total MSRP
Hyundai 2% of the Total Invoice
Infiniti 1% of the Base MSRP
Isuzu 3% of the Total MSRP
Jaguar No Holdback
Jeep 3% of the Total MSRP
Kia 3% of the Base Invoice
Land Rover No Holdback
Lexus 2% of the Base MSRP
Lincoln 2% of the Total MSRP
Mazda 2% of the Base MSRP
Mercedes-Benz 3% of the Total MSRP
Mercury 3% of the Total MSRP
MINI No Holdback
Mitsubishi 2% of the Base MSRP
Nissan 2% of the Total Invoice
Pontiac 3% of the Total MSRP
Porsche No Holdback
Saab 2.2% of the Base MSRP
Saturn 3% of the Total MSRP
Scion No Holdback
Subaru 3% of the Total MSRP (Amount may differ in Northeastern U.S.)
Suzuki 3% of the Base MSRP
Toyota 2% of the Base MSRP (Amount may differ in Southern U.S.)
Volkswagen 2% of the Base MSRP
Volvo 1% of the Base MSRP

When calculating holdback, use the following guidelines.

If a holdback is calculated from the:

Total MSRP: consumers must include the MSRP price of all options before figuring the holdback.
Base MSRP: consumers must figure the holdback before adding desired options.
Total Invoice: consumers must include the invoice price of all options before figuring the holdback.
Base Invoice: consumers must figure the holdback before adding desired options.

Revised September 2005
from : http://www.edmunds.com/advice/incentives/holdback/index.html


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政府在2001年前為了保護本土產業,除了留學生或駐外使節,一般中古車皆不得進口國內,就是所謂的「留學生條款」。但政府規定留學生若要引進中古車,車輛必須先在海外掛牌滿一年以上,但隨著臺灣加入WTO後, 政府編定了汽車(新車及中古車)進口管理制度,使進口汽車得以合法化。

但是開放汽車進口迄今,大家還是不知如何自辦進口汽車回臺灣,因此給了進口車商或進口車貿易商穫取暴利的機會, 糟糕的是那些從搜尋引擎(Yahoo, Google) 找的資料大部份是過時且錯誤的, 例如從Yahoo (tw.search.yahoo.com)找關鍵字 "進口舊車回臺灣", 以下是其中:

問: 要從美國運車子回台灣?

我有一台1998年的2500 cc的Subaru Impreza(台幣25萬左右)打算從美國運到台灣,請問稅會徵收多少?有誰可以幫我做個預估。舊車的進口稅是否會便宜或是優會折價呢?

答: 如果你的車現在在美國確實只有25萬的行情以現在的稅率來看....可能還要至少10~15萬的稅金說起來是很不值得的, 送驗排廢氣跟油耗這筆錢可能還要個10來萬, 很不值得的基本上你的Impreza 2.5不是什麼吃油怪獸比較不用擔心驗車不會過但是以上的稅金跟驗車費用再加上進口時報關以及運費恐怕不下3~40萬吧?



看來只有頭腦有問題的人才會帶中古車回台, 但事實上以上的回答並非是完全正確的.
1.價值25萬的舊車只需付5-10萬稅金,稅金的差異非常大全看您如何申報以及此車的的情況, 加入WTO後, 稅金還會逐年減少.

2.送驗排廢氣油耗噪音安審大約是6萬.
3.真正的問題是,此部車是否能通過測試中心的檢驗?包含安審,油耗,污染,噪音.
划算否? 就個別車輛而言, 大部份都是非常划算的。事實上如果您知道一些訣竅, 您可以輕輕鬆鬆省下新台幣NT$80萬元左右, 這還只是買BMW525i (臺灣叫523i),如果買更貴的車, 輕輕鬆鬆就是省個一兩百萬元台幣.

我們做了很多研究如何把愛車運回臺灣,大部分網路上的回答都是不划算不值得, 而且進口過程非常繁瑣. 然而直到我們真正把車運進臺灣且通過種種檢測過程後,我們才發現,事實上帶車回臺是非常划算的.因此,我們成立這個網站希望能夠幫助所有人。

希望從這個網站您可以學到:

如何"自辦進口車"回臺灣的最新資料.如:進口汽車關稅(需要付多少關稅),車輛檢測(如何通過繁瑣的過程如汽車報關,ARTC檢驗,監理所驗車).
如果我把愛車在國外賣掉,再回臺灣買一台同樣年份的車, 那一種會比較划算嗎?
如何以最快的速度掛牌上路程(大約1個月)
一般錯誤的觀念: 如進口新車或中古車回臺灣不划算,國產車一定比進口車便宜,進口車商或進口車貿易商引進絕對比自辦進口車便宜等等.
進口車商不能說的秘密.
台灣國稅局不能說的秘密: 請特別注意,國稅局是不會退您多繳的稅,而幾乎所有自辦進口汽車都有多繳稅金(包括本人的第一部車).
有任何問題嗎?請聯絡我們.所有問題的回答都是免費的.

本網站雖然也有部份服務酌收工本服務費,但所有的知識分享都是免費的,希望大家可以DIY自辦進口新車或中古車回臺, 希望大家也多支持本站的廣告,如果覺得這個網站還不錯,請大家告訴大家,如發現本網站有任何錯誤,或是您有任何知識也要分享給其他人,希望來信告知.本網站如有盈餘,扣除開銷後, 將捐給慈善機構如慈濟功德會.謝謝!

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  2. 何謂外匯車(平行輸入進口車)?何謂總代理車?外匯車跟代理商車有什麼不同?
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