$138,000

Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
17 Mar 2016 (4 years, 10 months remaining)
Months
(4 years, 10 months )
%

$27,904 Information
Based on this OMV and registration date, this car is eligible for minimum 30% down payment.
$45,009
PARF Car  (min PARF 50% of ARF)

Results

Financial Commitment

Car Price
$138,000
Monthly Installment
$1,633.21 /month for 4 years, 10 months (58 months) Information

Upfront Payment

Transfer Fee
$25
Down Payment
$41,400 (30% of Car Price)
1st Installment
$1,633.21
Total Upfront Payment
$43,058.21

Loan Details

Total Loan
$96,600 Information
Total Interest
$11,926 Information
Total Sum Paid
$108,526 at the end of 4 years, 10 months (58 months)

Other Car Financial Details

COE
$45,009 Information
ARF Paid
$31,066 Information
PARF Rebate
You get back $15,533 at the end of 10th year (PARF Rebate) Information
Annual Depreciation
$25,284 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'.
Jun 2021 -81,571 40,912 -40,659
Jul 2021 -80,335 40,537 -39,798
Aug 2021 -79,092 40,162 -38,930
Sep 2021 -77,842 39,787 -38,056
Oct 2021 -76,586 39,412 -37,174
Nov 2021 -75,322 39,037 -36,285
Dec 2021 -74,051 38,662 -35,389
Jan 2022 -72,773 38,287 -34,487
Feb 2022 -71,489 37,911 -33,577
Mar 2022 -70,197 37,536 -32,661
Apr 2022 -68,898 35,766 -33,132
May 2022 -67,593 35,391 -32,202
End Of Year 1 of Loan
Jun 2022 -66,280 35,016 -31,264
Jul 2022 -64,961 34,641 -30,320
Aug 2022 -63,634 34,266 -29,368
Sep 2022 -62,301 33,891 -28,410
Oct 2022 -60,960 33,516 -27,444
Nov 2022 -59,613 33,141 -26,472
Dec 2022 -58,258 32,766 -25,493
Jan 2023 -56,897 32,390 -24,506
Feb 2023 -55,529 32,015 -23,513
Mar 2023 -54,153 31,640 -22,513
Apr 2023 -52,771 29,870 -22,901
May 2023 -51,382 29,495 -21,887
End Of Year 2 of Loan
Jun 2023 -49,986 29,120 -20,866
Jul 2023 -48,582 28,745 -19,838
Aug 2023 -47,172 28,370 -18,802
Sep 2023 -45,755 27,995 -17,760
Oct 2023 -44,331 27,620 -16,711
Nov 2023 -42,900 27,245 -15,655
Dec 2023 -41,462 26,869 -14,592
Jan 2024 -40,017 26,494 -13,522
Feb 2024 -38,565 26,119 -12,446
Mar 2024 -37,106 25,744 -11,362
Apr 2024 -35,640 23,974 -11,666
May 2024 -34,167 23,599 -10,568
End Of Year 3 of Loan
Jun 2024 -32,687 23,224 -9,463
Jul 2024 -31,200 22,849 -8,352
Aug 2024 -29,707 22,474 -7,233
Sep 2024 -28,206 22,099 -6,107
Oct 2024 -26,698 21,723 -4,975
Nov 2024 -25,183 21,348 -3,835
Dec 2024 -23,662 20,973 -2,688
Jan 2025 -22,133 20,598 -1,535
Feb 2025 -20,597 20,223 -374
Mar 2025 -19,055 19,848 793
Apr 2025 -17,505 18,078 573
May 2025 -15,949 17,703 1,754
End Of Year 4 of Loan
Jun 2025 -14,385 17,328 2,942
Jul 2025 -12,815 16,953 4,138
Aug 2025 -11,237 16,578 5,340
Sep 2025 -9,653 16,202 6,550
Oct 2025 -8,061 15,827 7,766
Nov 2025 -6,463 15,452 8,989
Dec 2025 -4,858 15,077 10,219
Jan 2026 -3,246 14,702 11,457
Feb 2026 -1,626 14,327 12,701
Mar 2026 0 13,952 13,952
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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