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If you're one of the micro-entrepreneurs who want to know the answer to this question, you can start planning and learning how to buy a car through MEI.
Micro-entrepreneurs can buy a car as soon as they have their company documents. Therefore, the ability to make the transaction is unnecessary.
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Always bear in mind that before making any decision, you should consider the advantages and disadvantages. That's why we at MEI Fácil have compiled material that will help you immediately.
Find out more about the MEI guidelines for buying a car at a discount by reading this article to the end.
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Discount on the purchase of a vehicle by MEI: How much is available?
Buying a vehicle with the MEI entitles you to a discount of between 2.5% and 30% off the total value of the vehicle.
In this case, the micro-entrepreneur is exempt from IPI and ICMS. The amounts vary according to the model and make agreed.
Read also | MEI BNDES Card: Discover the exclusive benefits for PJs!
What are MEI's car-buying guidelines?
The procedure for buying a car through MEI is quite simple and comparable to other purchasing methods.
The great benefit of buying a vehicle as an MEI is the discount of up to 30% granted by the manufacturers.
To buy a car at a discount, the entrepreneur must present the MEI Certificate, the current state registration and some additional documents.
The vehicle will then be connected to the MEI register; if vehicle taxes are not paid, the company may be subject to limitations, such as being refused loans.
Another prerequisite for acquiring a vehicle with the MEI is the company's tax obligations. If this occurs, the vehicle can act as a compromise to resolve any outstanding concerns.
Now, if all is well with your business, you can easily request these specific terms to obtain this item.
It's important to remember that the reductions for CNPJ purchases only apply to 0km cars.
So you can't buy a second-hand car in this case.
In addition, the owner must keep the car for a minimum of 12 months, which means that this negotiation cannot serve as a business model.
According to ICMS Agreement 67/18, the ICMS exemption will be revoked if the deadline is not met, as defined by the National Financial Policy Council.
Deadlines and disadvantages
Time is the main disadvantage of buying a car through MEI. With direct purchases, delivery of the car can vary from 10 to 40 days.
Even so, we have a tip! If you choose a model that is already available for dispatch, your deadline will be significantly reduced.
The addition of products and accessories usually increases this time considerably.
In fact, CNPJ vehicles purchased at a discount are ordered directly from the manufacturer. In other words, they need time to be manufactured and assembled.
Some manufacturers shorten the duration of the warranty in these circumstances because they believe that the vehicle will be used more than in the case of standard passenger cars.
On the other hand, some companies offer an extended warranty as a customer draw.
Before finalising a transaction, it is essential to know and consider these requirements.
How are my charges?
Individual micro-entrepreneurs are allowed a maximum annual income of up to R$ 81 thousand.
The limit for purchases of 80% of the invoiced value for the year applies exclusively to the acquisition of products related to commercialisation or industrialisation.
Thus, the purchase of a car or any other item does not count towards this limit; however, in the case of an audit, you will need to prove that you have sufficient income to purchase the item.
Be aware of this, keep your company documents up to date and investigate alternatives before buying a vehicle to avoid future problems with your CNPJ.
Manufacturers offering incentives to buy vehicles with MEI?
Some manufacturers don't have a set discount table for direct sales, so you should visit the dealership or contact them by phone or email to find out more.
See the savings for the following manufacturer names that have specific criteria for MEI:
- Nissan;
- Chevrolet;
- Hyundai HMB;
- Renault CNPJ;
- Volkswagen;
- Toyota.
This will make it easier for you to understand how each company handles sales. You can also review the available payment agreements, the necessary templates and documentation.
Can MEIs finance the purchase of a car?
Yes, you can finance your new car; however, you will also need the articles of association and documents from the other partners, if available.
The financing conditions for certain brands are identical to those for individuals. In this case, you should contact the manufacturer of your choice.
Is it cheaper to buy a motorbike through MEI?
As the price of a motorbike is much lower than that of a car, the CNPJ discount is usually applicable, the refund ranging from 3% to 30% of the vehicle's value.
However, it is always permissible to contact the dealerships of interest to negotiate cheaper prices when buying on behalf of the company.
Furthermore, it is common for companies to obtain better financing conditions for motorbike purchases than individuals.
Some dealers want a down payment of 10% or more of the total price of the motorbike.
This minimises the number of instalments the user has to pay, reducing interest and making it easier to pay off the loan in financing circumstances.
To do this, you must present your company's articles of association and registration certificate to the dealership that carries out the transaction.
Consequently, it is recommended that you compare the prices and benefits offered by various retailers.
Can MEIs finance a motorbike?
Yes, it's feasible to buy a motorbike under the same conditions.
However, it's important to remember that the MEI has an annual revenue ceiling of R$ 81,000, which implies that the purchase price must be within the company's financial capacity.
With the MEI Fácil account, you have more control over your spending by issuing statements and recording the money that comes out immediately in the app, avoiding surprises at the end of the month, which simplifies the financial management of your business even more.
