What do banks calculate as net income?

Oh well... Anyone who deals with it properly will see that it is not cheaper...

Nonsense. Since the employer can heavily subsidize this here, it is usually significantly cheaper. Sorry if your employer doesn't do that...

Leasing for over three years and then buying is significantly cheaper than buying directly...

And already there is a partial backtracking…

it is usually significantly cheaper.

Nothing is or will be cheaper!

But that should not be the topic here.
Your net income is what you receive monthly transferred.
And if the net were higher because of no company car, it would effectively be less again, because the “gas guzzler” costs significantly more than the few euros deducted (taxed) on the payslip for it.

Oh come on...
Anyone who deals with it properly will see that it is not cheaper...

It is usually significantly cheaper due to the elimination of social security and taxes.

But wonder why so little net remains and be afraid and prepare arguments for the bank about why you are actually much richer xD

There is a JobRad everywhere in every normal company btw, nothing special. Only those who do it have lost control :)

Best is a 530 BMW including a 12,000 JobRad with 2k net. Those are my favorites xD

There is a JobRad everywhere in every normal company btw, nothing special. Only that those who do that have lost control :)

Best is a 530 BMW along with a 12,000 JobRad with 2k net salary. Those are my favorites xD

I think I don’t really understand your point. JobRäder start at a purchase price of 795€, as far as I know. So you can get completely normal decent bikes and don’t have to get 460g NanoMagnesiumIBuyHighTech bikes.
If leasing it and then buying it is cheaper for me than buying it outright, why should I do it differently?

That you should only afford what you can afford, we agree on that (referring to your last paragraph).

But then wonder why so little net remains and be afraid and prepare arguments for the bank about why you are actually much richer xD there is a job bike everywhere in every normal company btw, nothing special. Only those who do it have lost control :) preferably a 530i BMW along with a 12,000 job bike with 2k net. Those are my favorites xD

Such nonsense, I’m not arguing with the bank. I just wanted to know how it is calculated/seen. What you write is almost presumptuous. But whatever. Btw my financing has been in place since 2015 and I will have paid off my house in at most 9 years and I was simply interested in how it is seen, because I do think that a company vehicle has a certain added value, especially in the current times. I don’t care much about cars or other status symbols. I like it practical.