Kia Optima K5 2.4 (A)    Updated Loan Calculator

This car is no longer available in the market.
Latest OMV: $26,387
Engine Cap: 2359 cc
Power: 180Bhp
Torque: 231Nm
Type: Sedan
Euro NCAP: N.A
User Ratings: N.A

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» Updated for MAS Restrictions Revision on 27 Mar 2016

$
Includes VES Surcharge / Rebate
$
 of Car Price
years
%

$
Based on this OMV, this car is eligible for minimum 40% down payment
$
ARF = OMV + VES
$
cc

Results

Financial Commitment

Car Price
$148,999
Down Payment
$59,600 (40% of Car Price)
Monthly Installment
$1,272 for 7 years (84 months) Information

Loan Details

Total Loan
$89,399 Information
Total Interest
$17,397 Information
Total Sum Paid
$106,796 at the end of 7 years (84 months)

Other Car Financial Details

Annual Depreciation
$13,581 Information
COE
$82,001 Information
ARF Paid
$28,942 Information
PARF Rebate
You get back $14,471 at the end of 10th year (PARF Rebate) Information
Road Tax
$1,633 Information
Loan Redemption Amount Paper/Deregistration Value
Month Year Loan Redemption
Amount
Dereg
Value
Cash
Position
Feb 2022 105,525 103,024 14,487
Mar 2022 104,253 102,341 14,671
Apr 2022 102,982 101,657 14,859
May 2022 101,711 100,974 15,052
Jun 2022 100,439 100,291 15,251
Jul 2022 99,168 99,607 15,454
Aug 2022 97,896 98,924 15,662
Sep 2022 96,625 98,241 15,874
Oct 2022 95,354 97,557 16,092
Nov 2022 94,082 96,874 16,315
Dec 2022 92,811 96,191 16,542
Jan 2023 91,539 95,507 16,774
End Of Year 1
Feb 2023 90,268 94,824 17,012
Mar 2023 88,997 94,141 17,254
Apr 2023 87,725 93,457 17,500
May 2023 86,454 92,774 17,752
Jun 2023 85,183 92,091 18,009
Jul 2023 83,911 91,407 18,270
Aug 2023 82,640 90,724 18,537
Sep 2023 81,368 90,041 18,808
Oct 2023 80,097 89,357 19,084
Nov 2023 78,826 88,674 19,365
Dec 2023 77,554 87,990 19,651
Jan 2024 76,283 87,307 19,942
End Of Year 2
Feb 2024 75,012 86,624 20,238
Mar 2024 73,740 85,940 20,538
Apr 2024 72,469 85,257 20,844
May 2024 71,197 84,574 21,154
Jun 2024 69,926 83,890 21,469
Jul 2024 68,655 83,207 21,789
Aug 2024 67,383 82,524 22,114
Sep 2024 66,112 81,840 22,444
Oct 2024 64,840 81,157 22,778
Nov 2024 63,569 80,474 23,118
Dec 2024 62,298 79,790 23,462
Jan 2025 61,026 79,107 23,812
End Of Year 3
Feb 2025 59,755 78,424 24,166
Mar 2025 58,484 77,740 24,525
Apr 2025 57,212 77,057 24,889
May 2025 55,941 76,374 25,257
Jun 2025 54,669 75,690 25,631
Jul 2025 53,398 75,007 26,009
Aug 2025 52,127 74,324 26,393
Sep 2025 50,855 73,640 26,781
Oct 2025 49,584 72,957 27,174
Nov 2025 48,312 72,274 27,572
Dec 2025 47,041 71,590 27,975
Jan 2026 45,770 70,907 28,383
End Of Year 4
Feb 2026 44,498 70,224 28,795
Mar 2026 43,227 69,540 29,213
Apr 2026 41,956 68,857 29,635
May 2026 40,684 68,174 30,062
Jun 2026 39,413 67,490 30,494
Jul 2026 38,141 66,807 30,931
Aug 2026 36,870 66,124 31,373
Sep 2026 35,599 65,440 31,820
Oct 2026 34,327 64,757 32,272
Nov 2026 33,056 64,074 32,728
Dec 2026 31,785 63,390 33,189
Jan 2027 30,513 62,707 33,656
End Of Year 5
Feb 2027 29,242 60,576 32,680
Mar 2027 27,970 59,893 33,156
Apr 2027 26,699 59,210 33,636
May 2027 25,428 58,526 34,122
Jun 2027 24,156 57,843 34,613
Jul 2027 22,885 57,160 35,108
Aug 2027 21,613 56,476 35,608
Sep 2027 20,342 55,793 36,114
Oct 2027 19,071 55,110 36,624
Nov 2027 17,799 54,426 37,139
Dec 2027 16,528 53,743 37,658
Jan 2028 15,257 53,060 38,183
End Of Year 6
Feb 2028 13,985 50,929 37,266
Mar 2028 12,714 50,246 37,800
Apr 2028 11,442 49,563 38,339
May 2028 10,171 48,879 38,884
Jun 2028 8,900 48,196 39,433
Jul 2028 7,628 47,513 39,987
Aug 2028 6,357 46,829 40,545
Sep 2028 5,086 46,146 41,109
Oct 2028 3,814 45,462 41,678
Nov 2028 2,543 44,779 42,251
Dec 2028 1,271 44,096 42,829
Jan 2029 0 43,412 43,412
End Of Year 7
Feb 2029 0 41,282 41,282
Mar 2029 0 40,599 40,599
Apr 2029 0 39,915 39,915
May 2029 0 39,232 39,232
Jun 2029 0 38,549 38,549
Jul 2029 0 37,865 37,865
Aug 2029 0 37,182 37,182
Sep 2029 0 36,499 36,499
Oct 2029 0 35,815 35,815
Nov 2029 0 35,132 35,132
Dec 2029 0 34,449 34,449
Jan 2030 0 33,765 33,765
End Of Year 8
Feb 2030 0 31,635 31,635
Mar 2030 0 30,952 30,952
Apr 2030 0 30,268 30,268
May 2030 0 29,585 29,585
Jun 2030 0 28,901 28,901
Jul 2030 0 28,218 28,218
Aug 2030 0 27,535 27,535
Sep 2030 0 26,851 26,851
Oct 2030 0 26,168 26,168
Nov 2030 0 25,485 25,485
Dec 2030 0 24,801 24,801
Jan 2031 0 24,118 24,118
End Of Year 9
Feb 2031 0 21,988 21,988
Mar 2031 0 21,304 21,304
Apr 2031 0 20,621 20,621
May 2031 0 19,938 19,938
Jun 2031 0 19,254 19,254
Jul 2031 0 18,571 18,571
Aug 2031 0 17,888 17,888
Sep 2031 0 17,204 17,204
Oct 2031 0 16,521 16,521
Nov 2031 0 15,838 15,838
Dec 2031 0 15,154 15,154
Jan 2032 0 14,471 14,471
End Of Year 10

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