$135,800

Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
22 May 2017 (6 years, 4 months remaining)
Months
(6 years, 4 months )
%

$31,880 Information
Based on this OMV and registration date, this car is eligible for minimum 40% down payment.
$50,951
PARF Car  (min PARF 50% of ARF)

Results

Financial Commitment

Car Price
$135,800
Monthly Installment
$1,274.45 /month for 6 years, 4 months (76 months) Information

Upfront Payment

Transfer Fee
$25
Down Payment
$54,320 (40% of Car Price)
1st Installment
$1,274.45
Total Upfront Payment
$55,619.45

Loan Details

Total Loan
$81,480 Information
Total Interest
$15,378 Information
Total Sum Paid
$96,858 at the end of 6 years, 4 months (76 months)

Other Car Financial Details

COE
$50,951 Information
ARF Paid
$36,632 Information
PARF Rebate
You get back $18,316 at the end of 10th year (PARF Rebate) Information
Annual Depreciation
$18,543 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'.
Feb 2021 -80,605 55,754 -24,851
Mar 2021 -79,725 55,330 -24,395
Apr 2021 -78,839 54,905 -23,934
May 2021 -77,948 54,481 -23,468
Jun 2021 -77,052 54,056 -22,996
Jul 2021 -76,151 53,631 -22,520
Aug 2021 -75,244 53,207 -22,038
Sep 2021 -74,333 52,782 -21,550
Oct 2021 -73,416 52,358 -21,058
Nov 2021 -72,493 51,933 -20,560
Dec 2021 -71,566 51,508 -20,057
Jan 2022 -70,633 51,084 -19,549
End Of Year 1 of Loan
Feb 2022 -69,695 50,659 -19,036
Mar 2022 -68,751 50,235 -18,517
Apr 2022 -67,803 49,810 -17,993
May 2022 -66,849 49,386 -17,464
Jun 2022 -65,890 47,367 -18,523
Jul 2022 -64,926 46,942 -17,983
Aug 2022 -63,956 46,518 -17,438
Sep 2022 -62,981 46,093 -16,888
Oct 2022 -62,001 45,669 -16,332
Nov 2022 -61,016 45,244 -15,772
Dec 2022 -60,025 44,819 -15,206
Jan 2023 -59,029 44,395 -14,634
End Of Year 2 of Loan
Feb 2023 -58,028 43,970 -14,058
Mar 2023 -57,021 43,546 -13,476
Apr 2023 -56,010 43,121 -12,889
May 2023 -54,993 42,696 -12,296
Jun 2023 -53,971 40,678 -13,293
Jul 2023 -52,943 40,253 -12,690
Aug 2023 -51,911 39,829 -12,082
Sep 2023 -50,873 39,404 -11,469
Oct 2023 -49,829 38,979 -10,850
Nov 2023 -48,781 38,555 -10,226
Dec 2023 -47,727 38,130 -9,597
Jan 2024 -46,668 37,706 -8,963
End Of Year 3 of Loan
Feb 2024 -45,604 37,281 -8,323
Mar 2024 -44,535 36,856 -7,678
Apr 2024 -43,460 36,432 -7,028
May 2024 -42,380 36,007 -6,373
Jun 2024 -41,295 33,989 -7,306
Jul 2024 -40,204 33,564 -6,640
Aug 2024 -39,108 33,140 -5,969
Sep 2024 -38,007 32,715 -5,292
Oct 2024 -36,901 32,290 -4,611
Nov 2024 -35,790 31,866 -3,924
Dec 2024 -34,673 31,441 -3,232
Jan 2025 -33,551 31,017 -2,534
End Of Year 4 of Loan
Feb 2025 -32,423 30,592 -1,831
Mar 2025 -31,291 30,167 -1,124
Apr 2025 -30,153 29,743 -410
May 2025 -29,010 29,318 308
Jun 2025 -27,862 27,300 -562
Jul 2025 -26,708 26,875 167
Aug 2025 -25,549 26,450 901
Sep 2025 -24,385 26,026 1,641
Oct 2025 -23,216 25,601 2,385
Nov 2025 -22,041 25,177 3,135
Dec 2025 -20,861 24,752 3,891
Jan 2026 -19,676 24,327 4,651
End Of Year 5 of Loan
Feb 2026 -18,486 23,903 5,417
Mar 2026 -17,290 23,478 6,188
Apr 2026 -16,090 23,054 6,964
May 2026 -14,883 22,629 7,746
Jun 2026 -13,672 20,611 6,938
Jul 2026 -12,455 20,186 7,731
Aug 2026 -11,234 19,761 8,528
Sep 2026 -10,006 19,337 9,330
Oct 2026 -8,774 18,912 10,138
Nov 2026 -7,536 18,488 10,951
Dec 2026 -6,293 18,063 11,770
Jan 2027 -5,045 17,638 12,593
End Of Year 6 of Loan
Feb 2027 -3,792 17,214 13,422
Mar 2027 -2,533 16,789 14,256
Apr 2027 -1,269 16,365 15,095
May 2027 0 15,940 15,940
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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