Kia Cerato L 1.6 (A)    Updated Loan Calculator

This car is no longer available in the market.
Latest OMV: $11,888
VES: NEUTRAL (B)
Engine Cap: 1591 cc
Power: 130Bhp @ 6300rpm
Torque: 155Nm @ 4850rpm
Type: Sedan
Euro NCAP: N.A
User Ratings: N.A

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New Car Loan Calculator

» Updated for MAS Restrictions Revision on 27 Mar 2016

$
Includes VES Surcharge / Rebate
VES: NEUTRAL (B)
$
 of Car Price
years
%

$
Based on this OMV, this car is eligible for minimum 30% down payment
$
ARF = OMV + VES
$
cc

Results

Financial Commitment

Car Price
$84,999
Includes VES
NEUTRAL (B) Information
Down Payment
$25,500 (30% of Car Price)
Monthly Installment
$847 for 7 years (84 months) Information

Loan Details

Total Loan
$59,499 Information
Total Interest
$11,579 Information
Total Sum Paid
$71,078 at the end of 7 years (84 months)

Other Car Financial Details

Annual Depreciation
$7,906 Information
COE
$48,510 Information
VES
NEUTRAL (B) Information
ARF Paid
$11,888 Information
PARF Rebate
You get back $5,944 at the end of 10th year (PARF Rebate) Information
Road Tax
$738 Information
Loan Redemption Amount Paper/Deregistration Value
Month Year Loan Redemption
Amount
Dereg
Value
Cash
Position
Jul 2021 70,231 57,022 -1,904
Aug 2021 69,385 56,618 -1,731
Sep 2021 68,539 56,213 -1,555
Oct 2021 67,693 55,809 -1,376
Nov 2021 66,847 55,405 -1,193
Dec 2021 66,001 55,001 -1,007
Jan 2022 65,154 54,596 -819
Feb 2022 64,308 54,192 -626
Mar 2022 63,462 53,788 -431
Apr 2022 62,616 53,384 -232
May 2022 61,770 52,979 -30
Jun 2022 60,924 52,575 175
End Of Year 1
Jul 2022 60,077 52,171 383
Aug 2022 59,231 51,767 595
Sep 2022 58,385 51,362 810
Oct 2022 57,539 50,958 1,028
Nov 2022 56,693 50,554 1,249
Dec 2022 55,847 50,150 1,474
Jan 2023 55,000 49,745 1,702
Feb 2023 54,154 49,341 1,933
Mar 2023 53,308 48,937 2,167
Apr 2023 52,462 48,533 2,405
May 2023 51,616 48,128 2,645
Jun 2023 50,770 47,724 2,890
End Of Year 2
Jul 2023 49,923 47,320 3,137
Aug 2023 49,077 46,916 3,387
Sep 2023 48,231 46,511 3,641
Oct 2023 47,385 46,107 3,898
Nov 2023 46,539 45,703 4,159
Dec 2023 45,693 45,299 4,422
Jan 2024 44,847 44,894 4,689
Feb 2024 44,000 44,490 4,959
Mar 2024 43,154 44,086 5,232
Apr 2024 42,308 43,682 5,509
May 2024 41,462 43,277 5,788
Jun 2024 40,616 42,873 6,071
End Of Year 3
Jul 2024 39,770 42,469 6,358
Aug 2024 38,923 42,065 6,647
Sep 2024 38,077 41,660 6,940
Oct 2024 37,231 41,256 7,236
Nov 2024 36,385 40,852 7,535
Dec 2024 35,539 40,448 7,837
Jan 2025 34,693 40,043 8,143
Feb 2025 33,846 39,639 8,452
Mar 2025 33,000 39,235 8,764
Apr 2025 32,154 38,831 9,080
May 2025 31,308 38,426 9,398
Jun 2025 30,462 38,022 9,720
End Of Year 4
Jul 2025 29,616 37,618 10,045
Aug 2025 28,769 37,214 10,374
Sep 2025 27,923 36,809 10,705
Oct 2025 27,077 36,405 11,040
Nov 2025 26,231 36,001 11,378
Dec 2025 25,385 35,597 11,720
Jan 2026 24,539 35,192 12,064
Feb 2026 23,693 34,788 12,412
Mar 2026 22,846 34,384 12,763
Apr 2026 22,000 33,980 13,118
May 2026 21,154 33,575 13,475
Jun 2026 20,308 33,171 13,836
End Of Year 5
Jul 2026 19,462 32,172 13,606
Aug 2026 18,616 31,768 13,973
Sep 2026 17,769 31,364 14,344
Oct 2026 16,923 30,960 14,717
Nov 2026 16,077 30,555 15,095
Dec 2026 15,231 30,151 15,475
Jan 2027 14,385 29,747 15,858
Feb 2027 13,539 29,343 16,245
Mar 2027 12,692 28,938 16,635
Apr 2027 11,846 28,534 17,028
May 2027 11,000 28,130 17,425
Jun 2027 10,154 27,726 17,825
End Of Year 6
Jul 2027 9,308 26,727 17,633
Aug 2027 8,462 26,323 18,039
Sep 2027 7,615 25,918 18,449
Oct 2027 6,769 25,514 18,862
Nov 2027 5,923 25,110 19,278
Dec 2027 5,077 24,706 19,697
Jan 2028 4,231 24,301 20,119
Feb 2028 3,385 23,897 20,545
Mar 2028 2,538 23,493 20,974
Apr 2028 1,692 23,089 21,406
May 2028 846 22,684 21,842
Jun 2028 0 22,280 22,280
End Of Year 7
Jul 2028 0 21,282 21,282
Aug 2028 0 20,877 20,877
Sep 2028 0 20,473 20,473
Oct 2028 0 20,069 20,069
Nov 2028 0 19,665 19,665
Dec 2028 0 19,260 19,260
Jan 2029 0 18,856 18,856
Feb 2029 0 18,452 18,452
Mar 2029 0 18,048 18,048
Apr 2029 0 17,643 17,643
May 2029 0 17,239 17,239
Jun 2029 0 16,835 16,835
End Of Year 8
Jul 2029 0 15,836 15,836
Aug 2029 0 15,432 15,432
Sep 2029 0 15,028 15,028
Oct 2029 0 14,623 14,623
Nov 2029 0 14,219 14,219
Dec 2029 0 13,815 13,815
Jan 2030 0 13,411 13,411
Feb 2030 0 13,006 13,006
Mar 2030 0 12,602 12,602
Apr 2030 0 12,198 12,198
May 2030 0 11,794 11,794
Jun 2030 0 11,389 11,389
End Of Year 9
Jul 2030 0 10,391 10,391
Aug 2030 0 9,987 9,987
Sep 2030 0 9,582 9,582
Oct 2030 0 9,178 9,178
Nov 2030 0 8,774 8,774
Dec 2030 0 8,370 8,370
Jan 2031 0 7,965 7,965
Feb 2031 0 7,561 7,561
Mar 2031 0 7,157 7,157
Apr 2031 0 6,753 6,753
May 2031 0 6,348 6,348
Jun 2031 0 5,944 5,944
End Of Year 10

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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.