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

Kia Cerato EX 1.6 (A)
$130,999 Price Increase
Includes VES (4 Aug 2022)
Latest OMV: $14,367
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
$130,999
Includes VES
NEUTRAL (B) Information
Down Payment
$39,300 (30% of Car Price)
Monthly Installment
$1,305 for 7 years (84 months) Information

Loan Details

Total Loan
$91,699 Information
Total Interest
$17,845 Information
Total Sum Paid
$109,544 at the end of 7 years (84 months)

Other Car Financial Details

Annual Depreciation
$12,382 Information
COE
$80,000 Information
VES
NEUTRAL (B) Information
ARF Paid
$14,367 Information
PARF Rebate
You get back $7,184 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
Sep 2022 108,240 90,109 -706
Oct 2022 106,935 89,442 -484
Nov 2022 105,631 88,775 -256
Dec 2022 104,327 88,109 -24
Jan 2023 103,023 87,442 214
Feb 2023 101,719 86,775 457
Mar 2023 100,415 86,109 704
Apr 2023 99,111 85,442 957
May 2023 97,807 84,775 1,214
Jun 2023 96,503 84,109 1,477
Jul 2023 95,199 83,442 1,744
Aug 2023 93,895 82,775 2,017
End Of Year 1
Sep 2023 92,590 82,109 2,294
Oct 2023 91,286 81,442 2,577
Nov 2023 89,982 80,775 2,864
Dec 2023 88,678 80,109 3,157
Jan 2024 87,374 79,442 3,454
Feb 2024 86,070 78,775 3,757
Mar 2024 84,766 78,109 4,064
Apr 2024 83,462 77,442 4,377
May 2024 82,158 76,775 4,694
Jun 2024 80,854 76,109 5,017
Jul 2024 79,550 75,442 5,345
Aug 2024 78,245 74,775 5,677
End Of Year 2
Sep 2024 76,941 74,109 6,015
Oct 2024 75,637 73,442 6,357
Nov 2024 74,333 72,775 6,705
Dec 2024 73,029 72,109 7,057
Jan 2025 71,725 71,442 7,415
Feb 2025 70,421 70,775 7,777
Mar 2025 69,117 70,109 8,145
Apr 2025 67,813 69,442 8,517
May 2025 66,509 68,775 8,895
Jun 2025 65,205 68,109 9,277
Jul 2025 63,900 67,442 9,665
Aug 2025 62,596 66,775 10,057
End Of Year 3
Sep 2025 61,292 66,109 10,455
Oct 2025 59,988 65,442 10,857
Nov 2025 58,684 64,775 11,265
Dec 2025 57,380 64,109 11,677
Jan 2026 56,076 63,442 12,095
Feb 2026 54,772 62,775 12,517
Mar 2026 53,468 62,109 12,945
Apr 2026 52,164 61,442 13,377
May 2026 50,860 60,775 13,815
Jun 2026 49,555 60,109 14,257
Jul 2026 48,251 59,442 14,704
Aug 2026 46,947 58,775 15,157
End Of Year 4
Sep 2026 45,643 58,109 15,614
Oct 2026 44,339 57,442 16,077
Nov 2026 43,035 56,775 16,544
Dec 2026 41,731 56,109 17,017
Jan 2027 40,427 55,442 17,494
Feb 2027 39,123 54,775 17,977
Mar 2027 37,819 54,109 18,464
Apr 2027 36,515 53,442 18,957
May 2027 35,210 52,775 19,454
Jun 2027 33,906 52,109 19,957
Jul 2027 32,602 51,442 20,464
Aug 2027 31,298 50,775 20,977
End Of Year 5
Sep 2027 29,994 49,390 20,776
Oct 2027 28,690 48,724 21,298
Nov 2027 27,386 48,057 21,826
Dec 2027 26,082 47,390 22,358
Jan 2028 24,778 46,724 22,896
Feb 2028 23,474 46,057 23,438
Mar 2028 22,170 45,390 23,985
Apr 2028 20,865 44,724 24,538
May 2028 19,561 44,057 25,095
Jun 2028 18,257 43,390 25,658
Jul 2028 16,953 42,724 26,225
Aug 2028 15,649 42,057 26,798
End Of Year 6
Sep 2028 14,345 40,672 26,657
Oct 2028 13,041 40,005 27,239
Nov 2028 11,737 39,339 27,827
Dec 2028 10,433 38,672 28,419
Jan 2029 9,129 38,005 29,017
Feb 2029 7,825 37,339 29,619
Mar 2029 6,520 36,672 30,226
Apr 2029 5,216 36,005 30,839
May 2029 3,912 35,339 31,456
Jun 2029 2,608 34,672 32,079
Jul 2029 1,304 34,005 32,706
Aug 2029 0 33,339 33,339
End Of Year 7
Sep 2029 0 31,954 31,954
Oct 2029 0 31,287 31,287
Nov 2029 0 30,620 30,620
Dec 2029 0 29,954 29,954
Jan 2030 0 29,287 29,287
Feb 2030 0 28,620 28,620
Mar 2030 0 27,954 27,954
Apr 2030 0 27,287 27,287
May 2030 0 26,620 26,620
Jun 2030 0 25,954 25,954
Jul 2030 0 25,287 25,287
Aug 2030 0 24,620 24,620
End Of Year 8
Sep 2030 0 23,235 23,235
Oct 2030 0 22,569 22,569
Nov 2030 0 21,902 21,902
Dec 2030 0 21,235 21,235
Jan 2031 0 20,569 20,569
Feb 2031 0 19,902 19,902
Mar 2031 0 19,235 19,235
Apr 2031 0 18,569 18,569
May 2031 0 17,902 17,902
Jun 2031 0 17,235 17,235
Jul 2031 0 16,569 16,569
Aug 2031 0 15,902 15,902
End Of Year 9
Sep 2031 0 14,517 14,517
Oct 2031 0 13,850 13,850
Nov 2031 0 13,184 13,184
Dec 2031 0 12,517 12,517
Jan 2032 0 11,850 11,850
Feb 2032 0 11,184 11,184
Mar 2032 0 10,517 10,517
Apr 2032 0 9,850 9,850
May 2032 0 9,184 9,184
Jun 2032 0 8,517 8,517
Jul 2032 0 7,850 7,850
Aug 2032 0 7,184 7,184
End Of Year 10

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