What do banks calculate as net income?

Weird question. What you get net into your account is what you can budget with and pay the loan. Not with some fictitious euros that you don't see.

edit: if you have to lease a bike, you might have lost control of your life :D

edit: if you have to lease a bike, you might have lost control over your life :D

If you have no idea about economically inefficient but ideologically trendy tax saving schemes that basically just cause a lot of bureaucracy for a few hundred euros in savings... Instead of job bike leasing, they could have just reduced the VAT on bicycles. But then they wouldn’t have created so much incredible overhead, and maybe even socially disadvantaged people would have accidentally benefited instead of high earners who, for example, get subsidized for a 4k expensive mountain bike.

Weird question. What you get net into your account is what you can budget with and pay the loan. Not with some fictitious euros that you don’t see.

edit: if you have to lease a bike, maybe you’ve lost control over your life :D

Well, I don’t need a single euro anymore for a car or fuel, so that is quite a significant added value that considerably lowers my living costs compared to others. Completely ignoring that wouldn’t be quite right either.

I don’t have to lease a bike, I could also pay cash, but then the bike would cost me hundreds of euros more and wouldn’t be fully insured over 3 years (including theft) as well as all services.
Why wouldn’t I take advantage of that?
It has relatively little to do with losing control.

Only your net payout amount will be taken! Everything that goes away beforehand is gone…..

edit: if you have to lease a bike, you might have lost control over your life :D

Google JobRad. Leasing over three years and then buying is significantly cheaper than buying outright...

Google "JobRad". Leasing over three years and then buying it is significantly cheaper than buying it outright...

No way... Anyone who really looks into it will see that it is not cheaper...