$115,800

Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
1 Sep 2014 (3 years, 9 months remaining)
Months
(3 years, 9 months )
%

$36,977 Information
Based on this OMV and registration date, this car is eligible for minimum 30% down payment.
$72,810
PARF Car  (min PARF 50% of ARF)

Results

Financial Commitment

Car Price
$115,800
Monthly Installment
$1,716.54 /month for 3 years, 9 months (45 months) Information

Upfront Payment

Transfer Fee
$25
Down Payment
$34,740 (30% of Car Price)
1st Installment
$1,716.54
Total Upfront Payment
$36,481.54

Loan Details

Total Loan
$81,060 Information
Total Interest
$7,764 Information
Total Sum Paid
$88,824 at the end of 3 years, 9 months (45 months)

Other Car Financial Details

COE
$72,810 Information
ARF Paid
$43,768 Information
PARF Rebate
You get back $21,884 at the end of 10th year (PARF Rebate) Information
Annual Depreciation
$25,139 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'.
Jan 2022 -68,101 50,732 -17,369
Feb 2022 -66,715 50,125 -16,589
Mar 2022 -65,321 49,519 -15,802
Apr 2022 -63,919 48,912 -15,007
May 2022 -62,510 48,305 -14,205
Jun 2022 -61,094 47,698 -13,395
Jul 2022 -59,670 47,092 -12,578
Aug 2022 -58,238 46,485 -11,753
Sep 2022 -56,799 45,878 -10,921
Oct 2022 -55,353 43,422 -11,930
Nov 2022 -53,899 42,816 -11,083
Dec 2022 -52,437 42,209 -10,228
End Of Year 1 of Loan
Jan 2023 -50,968 41,602 -9,366
Feb 2023 -49,492 40,995 -8,496
Mar 2023 -48,008 40,389 -7,619
Apr 2023 -46,516 39,782 -6,734
May 2023 -45,017 39,175 -5,842
Jun 2023 -43,511 38,568 -4,942
Jul 2023 -41,997 37,962 -4,035
Aug 2023 -40,475 37,355 -3,121
Sep 2023 -38,946 36,748 -2,198
Oct 2023 -37,410 34,293 -3,117
Nov 2023 -35,866 33,686 -2,180
Dec 2023 -34,314 33,079 -1,235
End Of Year 2 of Loan
Jan 2024 -32,755 32,472 -283
Feb 2024 -31,189 31,866 677
Mar 2024 -29,615 31,259 1,644
Apr 2024 -28,033 30,652 2,619
May 2024 -26,444 30,045 3,601
Jun 2024 -24,848 29,439 4,591
Jul 2024 -23,244 28,832 5,588
Aug 2024 -21,632 28,225 6,593
Sep 2024 -20,013 27,618 7,605
Oct 2024 -18,387 25,163 6,776
Nov 2024 -16,753 24,556 7,803
Dec 2024 -15,111 23,949 8,838
End Of Year 3 of Loan
Jan 2025 -13,462 23,343 9,880
Feb 2025 -11,806 22,736 10,930
Mar 2025 -10,142 22,129 11,987
Apr 2025 -8,470 21,522 13,052
May 2025 -6,791 20,916 14,124
Jun 2025 -5,105 20,309 15,204
Jul 2025 -3,411 19,702 16,291
Aug 2025 -1,709 19,095 17,386
Sep 2025 0 18,489 18,489
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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