Te están engañando al comprar tu camión | Compra sin IVA

🚛💸 The Mistake 90% of Transport Companies Make (and Why It Holds You Back from Growth) In this video, Mario explains the detail that almost no one considers when buying a truck: financing it "with VAT" skyrockets your debt in the CIRBE (Spanish Credit Register), increases your monthly payments… and leaves you without working capital just when you need it most. And yes: what he explains here is 100% legal (if done correctly and with advice). The idea is simple: a €100,000 truck doesn't "weigh" €100,000 for the bank, but €121,000 (due to the 21% VAT). That difference seems "recoverable"... but in practice, you end up paying it in interest and with a lack of liquidity. 💡 What you'll learn in this video 📌 CIRBE and debt ceiling: why the bank sees your purchase as €121,000 (and not €100,000). 💸 The hidden cost: how you end up paying interest on VAT that you "theoretically" get back. ⏳ The blow of the payment term: 60 "legal" days… which in reality become 80 days. 🧾 The trap of quarterly VAT: you pay VAT for months you haven't even been paid yet… and finance it again. 🏦 The smart alternative: buy/finance without paying VAT upfront to gain cash flow and solvency. 🛞 What you can do with that margin: stock up on tires, negotiate fuel prices, set up a workshop, cover unexpected expenses. 🔥 Real-life example: When disaster strikes (truck burns/rolls over), you pay first, and then the insurance company comes along. 🚫 Leasing myth: Why it's usually not better for small and medium-sized businesses than buying. 🇪🇺 Second-hand vehicles and prices: Why they're cheaper in some countries and how the large fleets' influence plays a role. #selfemployed #truckers #business #VAT #microbusinesstips #lookingforthebestprices #logistics #mariocozma