How is the depreciation fee for a new car calculated?
3 Answers
It is generally calculated based on a 5% residual value rate. It is recommended to use the straight-line method, which is simple and easy to implement, and complies with the relevant provisions of the tax law implementation regulations. Using the straight-line method, the monthly depreciation amount of this fixed asset is (200000-10000)/48=3958.33.
I've carefully calculated the issue of new car depreciation, which refers to the expense of a vehicle's value decreasing over time. The key point is that a new car suffers significant losses as soon as it's driven off the lot, losing about 20% of its value in the first year, and then depreciating by an average of 10-15% annually thereafter. For example, if you buy a new car for 300,000 yuan, it might only be worth 240,000 yuan a year later, resulting in a loss of 60,000 yuan. The calculation method isn't complicated: subtract the expected residual value from the purchase price and divide by the number of years, but in reality, the depreciation rate depends on the car model, brand, and mileage. Japanese cars like Toyotas hold their value better and depreciate more slowly, while luxury cars or newly released electric vehicles depreciate more sharply due to rapid technological updates. Mileage exceeding 80,000 kilometers accelerates depreciation, and poor insurance and maintenance records also increase losses. It's advisable to choose high-value-retention models when buying a new car, drive less, and maintain the car diligently to slow depreciation. This affects the overall cost of ownership, and regularly checking valuations on used car websites can help manage your budget and avoid significant losses when selling the car in the future.
I remember buying a new car the year before last, and it didn't take long for me to realize it wasn't worth its original price. The depreciation calculation is straightforward: the car cost 200,000, and after a year, it was only worth about 160,000, a net loss of 40,000, not including maintenance costs. The first few months saw the steepest drop, then it slowed down a bit. Brand differences are significant: Toyota or Honda depreciate slower, while niche brands lose value faster. I make it a habit to check used car market prices online every six months to monitor its value, which gives me peace of mind. High mileage or accident records are pitfalls—for example, my colleague's car had a minor collision, and its value dropped quickly. I recommend prioritizing mainstream, reliable models, reducing driving frequency, and maintaining a good appearance and service history. Through these experiences, I now pay more attention to the proportion of depreciation in household expenses to avoid impulsive new car purchases that could strain finances.
