【車購入】社会人2年目で調子に乗って「レクサス」を購入しました。ガソリン代、駐車場代以外は特にお金ってかかりませんよね？

Summary

The script discusses the hidden costs associated with owning a luxury car, specifically the Lexus IS. It addresses misconceptions about affordability, noting that beyond the purchase price, owners must consider various maintenance expenses. These include taxes like environmental performance fees, vehicle weight taxes, and annual auto taxes. Regular inspections (shaken), insurance costs, and potential repair or maintenance fees are also highlighted. The message stresses the importance of considering these factors when purchasing a luxury car, as they can significantly impact finances. It advises being financially prepared before committing to ownership and offers the option of selling the car if maintaining it becomes difficult.

Takeaways

• 🚗 Buying a Lexus as a young professional may seem affordable with a loan, but maintenance costs are significant.
• ⛽ Beyond gas and parking fees, various other costs are associated with owning a luxury car.
• 💸 A car purchase involves initial fees like environmental performance tax and automobile weight tax.
• 🧾 The Lexus IS weight tax at new registration ranges from 15,000 yen to 42,100 yen, depending on eco-car eligibility.
• 📅 Annual automobile tax for the Lexus IS can range from 36,000 yen to 87,000 yen based on the version.
• 🔧 Car inspections are mandatory every two years after the first three years, with costs varying by service provider.
• 🛡️ Optional insurance is recommended in addition to compulsory insurance, with premiums ranging from 35,000 yen to 200,000 yen annually.
• 🛠️ Maintenance and repairs can be unpredictable, sometimes costing as little as 1,000 yen or as much as hundreds of thousands.
• 💡 It's important to consider all ongoing costs, as taxes and maintenance fees can be a significant burden after purchase.
• 🤔 If maintaining a luxury car becomes difficult, consider selling it and repurchasing in the future when finances are more stable.

Q & A

What are some of the main costs associated with owning a Lexus IS besides the purchase price?

Aside from the purchase price, owning a Lexus IS comes with costs such as gasoline, parking fees, vehicle taxes, weight tax, automobile tax, vehicle inspections (shaken), optional insurance, and maintenance or repair fees.

What is the 'environmental performance tax' mentioned in the script, and how much does it cost for a Lexus IS?

The 'environmental performance tax' is a tax paid at the time of vehicle acquisition, calculated based on the environmental performance of the car. For the Lexus IS, it ranges from ¥43,100 to ¥208,600, depending on the model version.

How often do Lexus IS owners need to pay the vehicle weight tax, and what is the cost?

The vehicle weight tax is paid during new vehicle registration and at the time of vehicle inspection (shaken). For the Lexus IS, which weighs around 1.7 tons, the weight tax is ¥15,000 if it qualifies for eco-car tax reduction or ¥42,100 if it doesn’t.

What is the annual automobile tax for a Lexus IS, and what factors influence it?

The annual automobile tax (shu-betsu-wari) for a Lexus IS varies based on the version of the car and ranges from ¥36,000 to ¥87,000. It is calculated based on engine displacement and is charged every year to the registered owner of the vehicle as of April 1.

What are the costs involved in getting a vehicle inspection (shaken) for a Lexus IS?

Vehicle inspections (shaken) for the Lexus IS must be done three years after purchase and every two years thereafter. The cost varies depending on the service provider, with an average cost starting at ¥62,500 for a large passenger car class, such as the Lexus IS.

Is it necessary to get additional insurance beyond compulsory liability insurance for a Lexus IS?

Yes, while compulsory liability insurance covers basic coverage for personal injury, it is recommended to get optional (voluntary) insurance for better coverage in case of accidents. The annual premium for optional insurance can range from ¥35,000 to ¥200,000 depending on various factors.

How do maintenance and repair costs for a Lexus IS vary?

Maintenance and repair costs for a Lexus IS can vary widely depending on factors like accident damage or wear and tear. While some minor repairs may cost only a few thousand yen, major repairs could cost in the range of hundreds of thousands of yen.

Why might the overall cost of owning a luxury car like the Lexus IS be higher than expected?

Many people may not fully consider the ongoing costs beyond the purchase price, such as taxes, insurance, and maintenance, which can add up and make owning a luxury car like the Lexus IS more expensive than initially expected.

What advice is given to those who might find it difficult to manage the upkeep of their Lexus IS?

If you find it challenging to manage the upkeep costs of a Lexus IS, it may be wise to consider selling the car and revisiting the idea of purchasing one in the future when finances are more stable.

What is the role of taxes in the overall cost of owning a car like the Lexus IS?

Taxes, such as the environmental performance tax, vehicle weight tax, and automobile tax, form a significant part of the overall cost of owning a car. As cars are often referred to as 'tax machines,' the taxes can place a heavy burden on car owners.