Mazda 3 1.5 (A)

$65,800

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Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

Car Price

Down Payment

of Car Price

Car Registration Date

29 Jan 2016 (5 years remaining)

Loan Term

Months

(5 years)

Interest Rate

OMV:

$15,269 Information

Based on this OMV and registration date, this car is eligible for minimum 30% down payment.

COE:

$51,000

Car Category:

PARF Car For car registered from March 2013, the minimum PARF rebate is 50% ARF.

(min PARF 50% of ARF)

Results

Financial Commitment

Car Price: $65,800
Monthly Installment: $882.05 /month for 5 years (60 months)

Upfront Payment

Transfer Fee: $25
Down Payment: $19,740 (30% of Car Price)
1st Installment: $882.05
Total Upfront Payment: $20,647.05

Loan Details

Total Loan: $46,060
Total Interest: $6,863
Total Sum Paid: $52,923 at the end of 5 years (60 months)

Other Car Financial Details

COE: $51,000
ARF Paid: $15,269
PARF Rebate: You get back $7,635 at the end of 10th year (PARF Rebate)
Annual Depreciation: $11,627

				Loan Redemption Amount			Paper/Deregistration Value
No	Month	Year	Paid so far The amount paid so far, consisting of desposit and total installment paid.	Outstanding Loan Outstanding loan amount owing to bank/financing company.	Interest Rebate The amount of interest rebate as a result of early settlement of loan. This is based on the Rule of 78.	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.	PARF Rebate Based on tiered rate of the Aditional Registration Fee (ARF). The ARF is based on the OMV of the vehicle.	COE Rebate Based on pro-rated value of the Quota Premium paid.	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'.	Remarks
1.	Feb	2021	20,622	52,041	6,638	-45,403	10,688	25,075	35,763	-9,640
2.	Mar	2021	21,504	51,159	6,417	-44,742	10,688	24,650	35,338	-9,404
3.	Apr	2021	22,386	50,277	6,199	-44,078	10,688	24,225	34,913	-9,164
4.	May	2021	23,268	49,395	5,985	-43,409	10,688	23,800	34,488	-8,921
5.	Jun	2021	24,150	48,513	5,775	-42,737	10,688	23,375	34,063	-8,674
6.	Jul	2021	25,032	47,631	5,569	-42,062	10,688	22,950	33,638	-8,423
7.	Aug	2021	25,914	46,749	5,367	-41,382	10,688	22,525	33,213	-8,169
8.	Sep	2021	26,796	45,867	5,168	-40,699	10,688	22,100	32,788	-7,910
9.	Oct	2021	27,678	44,984	4,973	-40,012	10,688	21,675	32,363	-7,648
10.	Nov	2021	28,560	44,102	4,782	-39,321	10,688	21,250	31,938	-7,383
11.	Dec	2021	29,443	43,220	4,594	-38,626	10,688	20,825	31,513	-7,113
12.	Jan	2022	30,325	42,338	4,410	-37,928	10,688	20,400	31,088	-6,840
End Of Year 1 of Loan
13.	Feb	2022	31,207	41,456	4,230	-37,226	9,925	19,975	29,900	-7,326
14.	Mar	2022	32,089	40,574	4,054	-36,520	9,925	19,550	29,475	-7,045
15.	Apr	2022	32,971	39,692	3,881	-35,811	9,925	19,125	29,050	-6,761
16.	May	2022	33,853	38,810	3,713	-35,097	9,925	18,700	28,625	-6,473
17.	Jun	2022	34,735	37,928	3,548	-34,380	9,925	18,275	28,200	-6,181
18.	Jul	2022	35,617	37,046	3,386	-33,660	9,925	17,850	27,775	-5,885
19.	Aug	2022	36,499	36,164	3,229	-32,935	9,925	17,425	27,350	-5,585
20.	Sep	2022	37,381	35,282	3,075	-32,207	9,925	17,000	26,925	-5,282
21.	Oct	2022	38,263	34,400	2,925	-31,475	9,925	16,575	26,500	-4,975
22.	Nov	2022	39,145	33,518	2,779	-30,739	9,925	16,150	26,075	-4,664
23.	Dec	2022	40,027	32,636	2,636	-29,999	9,925	15,725	25,650	-4,350
24.	Jan	2023	40,909	31,754	2,498	-29,256	9,925	15,300	25,225	-4,031
End Of Year 2 of Loan
25.	Feb	2023	41,791	30,872	2,363	-28,509	9,161	14,875	24,036	-4,473
26.	Mar	2023	42,673	29,990	2,231	-27,758	9,161	14,450	23,611	-4,147
27.	Apr	2023	43,555	29,108	2,104	-27,004	9,161	14,025	23,186	-3,817
28.	May	2023	44,437	28,226	1,980	-26,245	9,161	13,600	22,761	-3,484
29.	Jun	2023	45,319	27,344	1,860	-25,483	9,161	13,175	22,336	-3,147
30.	Jul	2023	46,201	26,461	1,744	-24,718	9,161	12,750	21,911	-2,806
31.	Aug	2023	47,084	25,579	1,631	-23,948	9,161	12,325	21,486	-2,462
32.	Sep	2023	47,966	24,697	1,523	-23,175	9,161	11,900	21,061	-2,113
33.	Oct	2023	48,848	23,815	1,418	-22,398	9,161	11,475	20,636	-1,761
34.	Nov	2023	49,730	22,933	1,316	-21,617	9,161	11,050	20,211	-1,406
35.	Dec	2023	50,612	22,051	1,219	-20,832	9,161	10,625	19,786	-1,046
36.	Jan	2024	51,494	21,169	1,125	-20,044	9,161	10,200	19,361	-683
End Of Year 3 of Loan
37.	Feb	2024	52,376	20,287	1,035	-19,252	8,398	9,775	18,173	-1,079
38.	Mar	2024	53,258	19,405	949	-18,456	8,398	9,350	17,748	-708
39.	Apr	2024	54,140	18,523	866	-17,657	8,398	8,925	17,323	-334
40.	May	2024	55,022	17,641	788	-16,853	8,398	8,500	16,898	45	Break Even
41.	Jun	2024	55,904	16,759	713	-16,046	8,398	8,075	16,473	427
42.	Jul	2024	56,786	15,877	641	-15,236	8,398	7,650	16,048	812
43.	Aug	2024	57,668	14,995	574	-14,421	8,398	7,225	15,623	1,202
44.	Sep	2024	58,550	14,113	510	-13,603	8,398	6,800	15,198	1,595
45.	Oct	2024	59,432	13,231	450	-12,781	8,398	6,375	14,773	1,992
46.	Nov	2024	60,314	12,349	394	-11,955	8,398	5,950	14,348	2,393
47.	Dec	2024	61,196	11,467	341	-11,125	8,398	5,525	13,923	2,798
48.	Jan	2025	62,078	10,585	293	-10,292	8,398	5,100	13,498	3,206
End Of Year 4 of Loan
49.	Feb	2025	62,960	9,703	248	-9,455	7,635	4,675	12,310	2,854
50.	Mar	2025	63,842	8,820	206	-8,614	7,635	4,250	11,885	3,270
51.	Apr	2025	64,724	7,938	169	-7,770	7,635	3,825	11,460	3,690
52.	May	2025	65,607	7,056	135	-6,921	7,635	3,400	11,035	4,113
53.	Jun	2025	66,489	6,174	105	-6,069	7,635	2,975	10,610	4,540
54.	Jul	2025	67,371	5,292	79	-5,214	7,635	2,550	10,185	4,971
55.	Aug	2025	68,253	4,410	56	-4,354	7,635	2,125	9,760	5,406
56.	Sep	2025	69,135	3,528	38	-3,491	7,635	1,700	9,335	5,844
57.	Oct	2025	70,017	2,646	23	-2,624	7,635	1,275	8,910	6,286
58.	Nov	2025	70,899	1,764	11	-1,753	7,635	850	8,485	6,732
59.	Dec	2025	71,781	882	4	-878	7,635	425	8,060	7,181
60.	Jan	2026	72,663	0	0	0	7,635	0	7,635	7,635	Loan Fully Paid

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	-45,403	35,763	-9,640
Mar	2021	-44,742	35,338	-9,404
Apr	2021	-44,078	34,913	-9,164
May	2021	-43,409	34,488	-8,921
Jun	2021	-42,737	34,063	-8,674
Jul	2021	-42,062	33,638	-8,423
Aug	2021	-41,382	33,213	-8,169
Sep	2021	-40,699	32,788	-7,910
Oct	2021	-40,012	32,363	-7,648
Nov	2021	-39,321	31,938	-7,383
Dec	2021	-38,626	31,513	-7,113
Jan	2022	-37,928	31,088	-6,840
End Of Year 1 of Loan
Feb	2022	-37,226	29,900	-7,326
Mar	2022	-36,520	29,475	-7,045
Apr	2022	-35,811	29,050	-6,761
May	2022	-35,097	28,625	-6,473
Jun	2022	-34,380	28,200	-6,181
Jul	2022	-33,660	27,775	-5,885
Aug	2022	-32,935	27,350	-5,585
Sep	2022	-32,207	26,925	-5,282
Oct	2022	-31,475	26,500	-4,975
Nov	2022	-30,739	26,075	-4,664
Dec	2022	-29,999	25,650	-4,350
Jan	2023	-29,256	25,225	-4,031
End Of Year 2 of Loan
Feb	2023	-28,509	24,036	-4,473
Mar	2023	-27,758	23,611	-4,147
Apr	2023	-27,004	23,186	-3,817
May	2023	-26,245	22,761	-3,484
Jun	2023	-25,483	22,336	-3,147
Jul	2023	-24,718	21,911	-2,806
Aug	2023	-23,948	21,486	-2,462
Sep	2023	-23,175	21,061	-2,113
Oct	2023	-22,398	20,636	-1,761
Nov	2023	-21,617	20,211	-1,406
Dec	2023	-20,832	19,786	-1,046
Jan	2024	-20,044	19,361	-683
End Of Year 3 of Loan
Feb	2024	-19,252	18,173	-1,079
Mar	2024	-18,456	17,748	-708
Apr	2024	-17,657	17,323	-334
May	2024	-16,853	16,898	45
Jun	2024	-16,046	16,473	427
Jul	2024	-15,236	16,048	812
Aug	2024	-14,421	15,623	1,202
Sep	2024	-13,603	15,198	1,595
Oct	2024	-12,781	14,773	1,992
Nov	2024	-11,955	14,348	2,393
Dec	2024	-11,125	13,923	2,798
Jan	2025	-10,292	13,498	3,206
End Of Year 4 of Loan
Feb	2025	-9,455	12,310	2,854
Mar	2025	-8,614	11,885	3,270
Apr	2025	-7,770	11,460	3,690
May	2025	-6,921	11,035	4,113
Jun	2025	-6,069	10,610	4,540
Jul	2025	-5,214	10,185	4,971
Aug	2025	-4,354	9,760	5,406
Sep	2025	-3,491	9,335	5,844
Oct	2025	-2,624	8,910	6,286
Nov	2025	-1,753	8,485	6,732
Dec	2025	-878	8,060	7,181
Jan	2026	0	7,635	7,635

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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