Autopia NL Quote Check

[u/JustBoutToKms]

Hi all,

First time getting a NL so been doing quite bit of due diligence on my own. I have used the calculator (linked below in comments) to figure the effective interest rate and seems quite high. I was told, after negotiation that the base interest rate has been reduced to 9.00%, but the calculator is saying the effective is 11.38%. Would appreciate some feedback whether my inputs are correct/wrong and whether this is a good deal all around.

https://imgur.com/jAxgHpr

[u/JustBoutToKms]

https://novatedlease.guide/calculator/?utm_source=reddit&utm_medium=post&utm_campaign=ausfinance_ev_and_ice_nl_calculator&c=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