$85,321

Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
8 Jul 2016 (9 years, 2 months remaining)
Months
(7 years)
%

$19,841 Information
Based on this OMV and registration date, this car is eligible for minimum 30% down payment.
$47,510
PARF Car  (min PARF 50% of ARF)

Results

Financial Commitment

Car Price
$85,321
Monthly Installment
$859.32 /month for 7 years (84 months) Information

Upfront Payment

Transfer Fee
$11
Down Payment
$25,596 (30% of Car Price)
1st Installment
$859.32
Total Upfront Payment
$26,466.62

Loan Details

Total Loan
$59,725 Information
Total Interest
$12,459 Information
Total Sum Paid
$72,183 at the end of 7 years (84 months)

Other Car Financial Details

COE
$47,510 Information
ARF Paid
$19,841 Information
PARF Rebate
You get back $9,921 at the end of 10th year (PARF Rebate) Information
Annual Depreciation
$8,208 Information
Loan Redemption Amount Paper/Deregistration Value
Month Year
Loan Redemption
Amount The amount to pay out to the bank upon the early settlement of loan. It is the oustanding minus the loan redemption.
Dereg Value Total value of PARF and COE Rebate, also known as 'Paper Value'.
Cash Position The cash balance of the car upon loan settlement and car degistration. If this value started to be greater than 0, it is commonly known as 'Break Even'.
Jun 2017 -59,159 58,036 -1,123
Jul 2017 -58,589 57,640 -949
Aug 2017 -58,016 57,244 -772
Sep 2017 -57,439 56,848 -591
Oct 2017 -56,859 56,452 -407
Nov 2017 -56,275 56,056 -219
Dec 2017 -55,688 55,660 -28
Jan 2018 -55,098 55,264 167
Feb 2018 -54,503 54,868 365
Mar 2018 -53,906 54,472 567
Apr 2018 -53,305 54,077 772
May 2018 -52,700 53,681 980
End Of Year 1 of Loan
Jun 2018 -52,092 53,285 1,193
Jul 2018 -51,481 52,889 1,408
Aug 2018 -50,866 52,493 1,627
Sep 2018 -50,247 52,097 1,850
Oct 2018 -49,625 51,701 2,076
Nov 2018 -48,999 51,305 2,306
Dec 2018 -48,370 50,909 2,539
Jan 2019 -47,738 50,513 2,775
Feb 2019 -47,102 50,117 3,015
Mar 2019 -46,463 49,721 3,259
Apr 2019 -45,820 49,326 3,506
May 2019 -45,173 48,930 3,756
End Of Year 2 of Loan
Jun 2019 -44,523 48,534 4,010
Jul 2019 -43,870 48,138 4,268
Aug 2019 -43,213 47,742 4,529
Sep 2019 -42,552 47,346 4,793
Oct 2019 -41,889 46,950 5,061
Nov 2019 -41,221 46,554 5,333
Dec 2019 -40,550 46,158 5,608
Jan 2020 -39,876 45,762 5,886
Feb 2020 -39,198 45,366 6,168
Mar 2020 -38,517 44,970 6,454
Apr 2020 -37,832 44,575 6,743
May 2020 -37,144 44,179 7,035
End Of Year 3 of Loan
Jun 2020 -36,452 43,783 7,331
Jul 2020 -35,756 43,387 7,630
Aug 2020 -35,058 42,991 7,933
Sep 2020 -34,355 42,595 8,240
Oct 2020 -33,650 42,199 8,549
Nov 2020 -32,940 41,803 8,863
Dec 2020 -32,228 41,407 9,180
Jan 2021 -31,511 41,011 9,500
Feb 2021 -30,792 40,615 9,824
Mar 2021 -30,068 40,219 10,151
Apr 2021 -29,342 39,824 10,482
May 2021 -28,611 39,428 10,816
End Of Year 4 of Loan
Jun 2021 -27,878 39,032 11,154
Jul 2021 -27,141 38,636 11,495
Aug 2021 -26,400 37,248 10,848
Sep 2021 -25,656 36,852 11,196
Oct 2021 -24,908 36,456 11,548
Nov 2021 -24,157 36,060 11,903
Dec 2021 -23,402 35,664 12,262
Jan 2022 -22,644 35,268 12,624
Feb 2022 -21,883 34,872 12,990
Mar 2022 -21,118 34,476 13,359
Apr 2022 -20,349 34,080 13,732
May 2022 -19,577 33,685 14,108
End Of Year 5 of Loan
Jun 2022 -18,801 33,289 14,487
Jul 2022 -18,022 32,893 14,870
Aug 2022 -17,240 31,505 14,265
Sep 2022 -16,454 31,109 14,655
Oct 2022 -15,664 30,713 15,049
Nov 2022 -14,871 30,317 15,446
Dec 2022 -14,075 29,921 15,846
Jan 2023 -13,275 29,525 16,251
Feb 2023 -12,471 29,129 16,658
Mar 2023 -11,664 28,733 17,069
Apr 2023 -10,854 28,337 17,484
May 2023 -10,040 27,941 17,902
End Of Year 6 of Loan
Jun 2023 -9,222 27,546 18,323
Jul 2023 -8,401 27,150 18,748
Aug 2023 -7,577 25,762 18,185
Sep 2023 -6,749 25,366 18,617
Oct 2023 -5,918 24,970 19,052
Nov 2023 -5,083 24,574 19,491
Dec 2023 -4,244 24,178 19,934
Jan 2024 -3,402 23,782 20,380
Feb 2024 -2,557 23,386 20,829
Mar 2024 -1,708 22,990 21,282
Apr 2024 -856 22,594 21,739
May 2024 0 22,198 22,198
Jun 2024 0 21,803 21,803
Jul 2024 0 21,407 21,407
Aug 2024 0 20,019 20,019
Sep 2024 0 19,623 19,623
Oct 2024 0 19,227 19,227
Nov 2024 0 18,831 18,831
Dec 2024 0 18,435 18,435
Jan 2025 0 18,039 18,039
Feb 2025 0 17,643 17,643
Mar 2025 0 17,247 17,247
Apr 2025 0 16,851 16,851
May 2025 0 16,455 16,455
Jun 2025 0 16,059 16,059
Jul 2025 0 15,664 15,664
Aug 2025 0 14,276 14,276
Sep 2025 0 13,880 13,880
Oct 2025 0 13,484 13,484
Nov 2025 0 13,088 13,088
Dec 2025 0 12,692 12,692
Jan 2026 0 12,296 12,296
Feb 2026 0 11,900 11,900
Mar 2026 0 11,504 11,504
Apr 2026 0 11,108 11,108
May 2026 0 10,712 10,712
Jun 2026 0 10,316 10,316
Jul 2026 0 9,921 9,921
Disclaimer: The Car Loan Calculator is used as a guide to help you to get a better sense of your financial commitments when buying a car. It does not warrant the accuracy, adequacy or completeness of the figures presented. Oneshift.com expressly disclaims liability for errors or omissions.

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