Toyota Hiace

$45,300

Print Ad

Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

Car Price

Down Payment

of Car Price

Car Registration Date

27 Dec 2013 (2 years, 11 months remaining)

Loan Term

Months

(2 years, 11 months )

Interest Rate

OMV:

$29,686
Based on this OMV and registration date, this car is eligible for minimum 30% down payment.

COE:

$48,001

Car Category:

Commercial

Results

Financial Commitment

Car Price: $45,300
Monthly Installment: $844.07 /month for 2 years, 11 months (35 months)

Upfront Payment

Transfer Fee: $25
Down Payment: $13,590 (30% of Car Price)
1st Installment: $844.07
Total Upfront Payment: $14,459.07

Loan Details

Total Loan: $31,710
Total Interest: $2,362
Total Sum Paid: $34,072 at the end of 2 years, 11 months (35 months)

Other Car Financial Details

COE: $48,001
ARF Paid: $33,560
PARF Rebate: You get back $16,780 at the end of 10th year (PARF Rebate)
Annual Depreciation: $15,531

				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	14,434	28,698	2,231	-26,467	0	13,600	13,600	-12,867
2.	Mar	2021	15,278	27,854	2,104	-25,751	0	13,200	13,200	-12,550
3.	Apr	2021	16,122	27,010	1,980	-25,030	0	12,800	12,800	-12,230
4.	May	2021	16,966	26,166	1,860	-24,306	0	12,400	12,400	-11,906
5.	Jun	2021	17,810	25,322	1,744	-23,578	0	12,000	12,000	-11,578
6.	Jul	2021	18,654	24,478	1,631	-22,847	0	11,600	11,600	-11,247
7.	Aug	2021	19,498	23,634	1,522	-22,111	0	11,200	11,200	-10,911
8.	Sep	2021	20,343	22,790	1,417	-21,372	0	10,800	10,800	-10,572
9.	Oct	2021	21,187	21,946	1,316	-20,630	0	10,400	10,400	-10,229
10.	Nov	2021	22,031	21,102	1,219	-19,883	0	10,000	10,000	-9,883
11.	Dec	2021	22,875	20,258	1,125	-19,133	0	9,600	9,600	-9,532
12.	Jan	2022	23,719	19,414	1,035	-18,379	0	9,200	9,200	-9,178
End Of Year 1 of Loan
13.	Feb	2022	24,563	18,570	949	-17,621	0	8,800	8,800	-8,821
14.	Mar	2022	25,407	17,725	866	-16,859	0	8,400	8,400	-8,459
15.	Apr	2022	26,251	16,881	787	-16,094	0	8,000	8,000	-8,094
16.	May	2022	27,095	16,037	712	-15,325	0	7,600	7,600	-7,725
17.	Jun	2022	27,939	15,193	641	-14,552	0	7,200	7,200	-7,352
18.	Jul	2022	28,783	14,349	574	-13,775	0	6,800	6,800	-6,975
19.	Aug	2022	29,627	13,505	510	-12,995	0	6,400	6,400	-6,595
20.	Sep	2022	30,471	12,661	450	-12,211	0	6,000	6,000	-6,211
21.	Oct	2022	31,315	11,817	394	-11,423	0	5,600	5,600	-5,823
22.	Nov	2022	32,160	10,973	341	-10,632	0	5,200	5,200	-5,432
23.	Dec	2022	33,004	10,129	292	-9,836	0	4,800	4,800	-5,036
24.	Jan	2023	33,848	9,285	247	-9,037	0	4,400	4,400	-4,637
End Of Year 2 of Loan
25.	Feb	2023	34,692	8,441	206	-8,234	0	4,000	4,000	-4,234
26.	Mar	2023	35,536	7,597	169	-7,428	0	3,600	3,600	-3,828
27.	Apr	2023	36,380	6,753	135	-6,618	0	3,200	3,200	-3,417
28.	May	2023	37,224	5,908	105	-5,803	0	2,800	2,800	-3,003
29.	Jun	2023	38,068	5,064	79	-4,986	0	2,400	2,400	-2,586
30.	Jul	2023	38,912	4,220	56	-4,164	0	2,000	2,000	-2,164
31.	Aug	2023	39,756	3,376	37	-3,339	0	1,600	1,600	-1,739
32.	Sep	2023	40,600	2,532	22	-2,510	0	1,200	1,200	-1,310
33.	Oct	2023	41,444	1,688	11	-1,677	0	800	800	-877
34.	Nov	2023	42,288	844	4	-840	0	400	400	-440
35.	Dec	2023	43,132	0	0	0	0	0	0	0	Loan Fully Paid Break Even

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	-26,467	13,600	-12,867
Mar	2021	-25,751	13,200	-12,550
Apr	2021	-25,030	12,800	-12,230
May	2021	-24,306	12,400	-11,906
Jun	2021	-23,578	12,000	-11,578
Jul	2021	-22,847	11,600	-11,247
Aug	2021	-22,111	11,200	-10,911
Sep	2021	-21,372	10,800	-10,572
Oct	2021	-20,630	10,400	-10,229
Nov	2021	-19,883	10,000	-9,883
Dec	2021	-19,133	9,600	-9,532
Jan	2022	-18,379	9,200	-9,178
End Of Year 1 of Loan
Feb	2022	-17,621	8,800	-8,821
Mar	2022	-16,859	8,400	-8,459
Apr	2022	-16,094	8,000	-8,094
May	2022	-15,325	7,600	-7,725
Jun	2022	-14,552	7,200	-7,352
Jul	2022	-13,775	6,800	-6,975
Aug	2022	-12,995	6,400	-6,595
Sep	2022	-12,211	6,000	-6,211
Oct	2022	-11,423	5,600	-5,823
Nov	2022	-10,632	5,200	-5,432
Dec	2022	-9,836	4,800	-5,036
Jan	2023	-9,037	4,400	-4,637
End Of Year 2 of Loan
Feb	2023	-8,234	4,000	-4,234
Mar	2023	-7,428	3,600	-3,828
Apr	2023	-6,618	3,200	-3,417
May	2023	-5,803	2,800	-3,003
Jun	2023	-4,986	2,400	-2,586
Jul	2023	-4,164	2,000	-2,164
Aug	2023	-3,339	1,600	-1,739
Sep	2023	-2,510	1,200	-1,310
Oct	2023	-1,677	800	-877
Nov	2023	-840	400	-440
Dec	2023	0	0	0

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.

Browse by Car Make

USED CARS FOR SALE IN SINGAPORE

Oneshift provides you with the best online shopping experience for buying used or second hand cars in Singapore. With a wide selection from all makes like Honda, Toyota, BMW, Mercedes-Benz, Mitsubishi and Nissan for used cars Singapore. You can easily shortlist the car of your choice to meet your needs and budget. We list used cars for sale from both dealers and direct sellers. Search from a list of PARF and COE cars, automatic or manual, by price range, colour, registration years and age. Used cars with low annual depreciation and off peak cars (OPC) are also a draw for the price conscious. Choose from a range of body types such as Sedan, SUV, MPV, Hatch, Coupe, Cabriolet and Wagon. If you are selling your own car, you can even post a Premium used car ad with us to reach out to a no. of potential car buyers.