Kia Cerato EX 1.6 (A) Authorised Dealer   Updated Loan Calculator

$83,999 Price Decrease
Includes VES (8 Oct 2020)
Latest OMV: $15,286
VES: NEUTRAL (B)
Engine Cap: 1591 cc
Power: 130Bhp @ 6300rpm
Torque: 155Nm @ 4850rpm
Type: Sedan
Euro NCAP: N.A
User Ratings: N.A

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
$83,999
Includes VES
NEUTRAL (B) Information
Down Payment
$25,200 (30% of Car Price)
Monthly Installment
$837 for 7 years (84 months) Information

Loan Details

Total Loan
$58,799 Information
Total Interest
$11,442 Information
Total Sum Paid
$70,241 at the end of 7 years (84 months)

Other Car Financial Details

Annual Depreciation
$7,636 Information
COE
$37,334 Information
VES
NEUTRAL (B) Information
ARF Paid
$15,286 Information
PARF Rebate
You get back $7,643 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
Nov 2020 69,405 48,487 -9,745
Dec 2020 68,569 48,176 -9,486
Jan 2021 67,733 47,865 -9,223
Feb 2021 66,896 47,554 -8,958
Mar 2021 66,060 47,243 -8,689
Apr 2021 65,224 46,932 -8,417
May 2021 64,388 46,621 -8,142
Jun 2021 63,552 46,310 -7,864
Jul 2021 62,715 45,998 -7,582
Aug 2021 61,879 45,687 -7,298
Sep 2021 61,043 45,376 -7,010
Oct 2021 60,207 45,065 -6,719
End Of Year 1
Nov 2021 59,371 44,754 -6,424
Dec 2021 58,534 44,443 -6,127
Jan 2022 57,698 44,132 -5,826
Feb 2022 56,862 43,821 -5,522
Mar 2022 56,026 43,510 -5,215
Apr 2022 55,190 43,198 -4,905
May 2022 54,353 42,887 -4,591
Jun 2022 53,517 42,576 -4,274
Jul 2022 52,681 42,265 -3,954
Aug 2022 51,845 41,954 -3,631
Sep 2022 51,009 41,643 -3,305
Oct 2022 50,172 41,332 -2,975
End Of Year 2
Nov 2022 49,336 41,021 -2,642
Dec 2022 48,500 40,709 -2,307
Jan 2023 47,664 40,398 -1,967
Feb 2023 46,828 40,087 -1,625
Mar 2023 45,991 39,776 -1,279
Apr 2023 45,155 39,465 -931
May 2023 44,319 39,154 -578
Jun 2023 43,483 38,843 -223
Jul 2023 42,646 38,532 135
Aug 2023 41,810 38,221 497
Sep 2023 40,974 37,909 862
Oct 2023 40,138 37,598 1,230
End Of Year 3
Nov 2023 39,302 37,287 1,601
Dec 2023 38,465 36,976 1,975
Jan 2024 37,629 36,665 2,353
Feb 2024 36,793 36,354 2,734
Mar 2024 35,957 36,043 3,118
Apr 2024 35,121 35,732 3,505
May 2024 34,284 35,420 3,896
Jun 2024 33,448 35,109 4,289
Jul 2024 32,612 34,798 4,686
Aug 2024 31,776 34,487 5,086
Sep 2024 30,940 34,176 5,490
Oct 2024 30,103 33,865 5,896
End Of Year 4
Nov 2024 29,267 33,554 6,306
Dec 2024 28,431 33,243 6,719
Jan 2025 27,595 32,932 7,135
Feb 2025 26,759 32,620 7,554
Mar 2025 25,922 32,309 7,977
Apr 2025 25,086 31,998 8,402
May 2025 24,250 31,687 8,831
Jun 2025 23,414 31,376 9,263
Jul 2025 22,578 31,065 9,699
Aug 2025 21,741 30,754 10,137
Sep 2025 20,905 30,443 10,579
Oct 2025 20,069 30,132 11,024
End Of Year 5
Nov 2025 19,233 29,056 10,708
Dec 2025 18,397 28,745 11,159
Jan 2026 17,560 28,434 11,614
Feb 2026 16,724 28,123 12,072
Mar 2026 15,888 27,812 12,533
Apr 2026 15,052 27,501 12,997
May 2026 14,215 27,189 13,464
Jun 2026 13,379 26,878 13,935
Jul 2026 12,543 26,567 14,409
Aug 2026 11,707 26,256 14,886
Sep 2026 10,871 25,945 15,366
Oct 2026 10,034 25,634 15,849
End Of Year 6
Nov 2026 9,198 24,558 15,572
Dec 2026 8,362 24,247 16,061
Jan 2027 7,526 23,936 16,555
Feb 2027 6,690 23,625 17,051
Mar 2027 5,853 23,314 17,550
Apr 2027 5,017 23,003 18,053
May 2027 4,181 22,692 18,559
Jun 2027 3,345 22,381 19,068
Jul 2027 2,509 22,069 19,580
Aug 2027 1,672 21,758 20,096
Sep 2027 836 21,447 20,614
Oct 2027 0 21,136 21,136
End Of Year 7
Nov 2027 0 20,061 20,061
Dec 2027 0 19,750 19,750
Jan 2028 0 19,438 19,438
Feb 2028 0 19,127 19,127
Mar 2028 0 18,816 18,816
Apr 2028 0 18,505 18,505
May 2028 0 18,194 18,194
Jun 2028 0 17,883 17,883
Jul 2028 0 17,572 17,572
Aug 2028 0 17,261 17,261
Sep 2028 0 16,950 16,950
Oct 2028 0 16,638 16,638
End Of Year 8
Nov 2028 0 15,563 15,563
Dec 2028 0 15,252 15,252
Jan 2029 0 14,941 14,941
Feb 2029 0 14,630 14,630
Mar 2029 0 14,319 14,319
Apr 2029 0 14,007 14,007
May 2029 0 13,696 13,696
Jun 2029 0 13,385 13,385
Jul 2029 0 13,074 13,074
Aug 2029 0 12,763 12,763
Sep 2029 0 12,452 12,452
Oct 2029 0 12,141 12,141
End Of Year 9
Nov 2029 0 11,065 11,065
Dec 2029 0 10,754 10,754
Jan 2030 0 10,443 10,443
Feb 2030 0 10,132 10,132
Mar 2030 0 9,821 9,821
Apr 2030 0 9,510 9,510
May 2030 0 9,199 9,199
Jun 2030 0 8,887 8,887
Jul 2030 0 8,576 8,576
Aug 2030 0 8,265 8,265
Sep 2030 0 7,954 7,954
Oct 2030 0 7,643 7,643
End Of Year 10

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