Renault Kangoo 1.5

$5,500

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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

9 Jan 2009 (0 years, 11 months remaining)

Loan Term

Months

(0 years, 11 months )

Interest Rate

OMV:

$17,705
Based on this OMV and registration date, this car is eligible for minimum 30% down payment.

COE:

$4,001

Car Category:

Commercial

Results

Financial Commitment

Car Price: $5,500
Monthly Installment: $359.56 /month for 0 years, 11 months (11 months)

Upfront Payment

Transfer Fee: $25
Down Payment: $1,650 (30% of Car Price)
1st Installment: $359.56
Total Upfront Payment: $2,034.56

Loan Details

Total Loan: $3,850
Total Interest: $105
Total Sum Paid: $3,955 at the end of 0 years, 11 months (11 months)

Other Car Financial Details

COE: $4,001
ARF Paid: $17,705
PARF Rebate: You get back $8,853 at the end of 10th year (PARF Rebate)
Annual Depreciation: -

				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.	Jan	2021	2,010	3,596	88	-3,508	0	333	333	-3,175
2.	Feb	2021	2,369	3,236	72	-3,164	0	300	300	-2,864
3.	Mar	2021	2,729	2,876	57	-2,819	0	267	267	-2,552
4.	Apr	2021	3,088	2,517	45	-2,472	0	233	233	-2,239
5.	May	2021	3,448	2,157	33	-2,124	0	200	200	-1,924
6.	Jun	2021	3,807	1,798	24	-1,774	0	167	167	-1,607
7.	Jul	2021	4,167	1,438	16	-1,422	0	133	133	-1,289
8.	Aug	2021	4,526	1,079	10	-1,069	0	100	100	-969
9.	Sep	2021	4,886	719	5	-714	0	67	67	-648
10.	Oct	2021	5,246	360	2	-358	0	33	33	-325
11.	Nov	2021	5,605	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'.
Jan	2021	-3,508	333	-3,175
Feb	2021	-3,164	300	-2,864
Mar	2021	-2,819	267	-2,552
Apr	2021	-2,472	233	-2,239
May	2021	-2,124	200	-1,924
Jun	2021	-1,774	167	-1,607
Jul	2021	-1,422	133	-1,289
Aug	2021	-1,069	100	-969
Sep	2021	-714	67	-648
Oct	2021	-358	33	-325
Nov	2021	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.

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