Lexus GS350 Luxury (A)

$121,800

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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

22 Apr 2013 (2 years, 3 months remaining)

Loan Term

Months

(2 years, 3 months )

Interest Rate

OMV:

$64,609 Information

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

COE:

$67,010

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: $121,800
Monthly Installment: $2,888.15 /month for 2 years, 3 months (27 months)

Upfront Payment

Transfer Fee: $25
Down Payment: $36,540 (30% of Car Price)
1st Installment: $2,888.15
Total Upfront Payment: $39,453.15

Loan Details

Total Loan: $85,260
Total Interest: $4,900
Total Sum Paid: $90,160 at the end of 2 years, 3 months (27 months)

Other Car Financial Details

COE: $67,010
ARF Paid: $88,296
PARF Rebate: You get back $44,148 at the end of 10th year (PARF Rebate)
Annual Depreciation: $34,470

				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	39,428	75,092	4,550	-70,542	38,765	14,519	53,284	-17,258
2.	Mar	2021	42,316	72,204	4,213	-67,991	38,765	13,960	52,726	-15,265
3.	Apr	2021	45,204	69,316	3,889	-65,427	38,765	13,402	52,167	-13,259
4.	May	2021	48,093	66,427	3,578	-62,850	35,535	12,844	48,379	-14,471
5.	Jun	2021	50,981	63,539	3,280	-60,260	35,535	12,285	47,820	-12,440
6.	Jul	2021	53,869	60,651	2,994	-57,657	35,535	11,727	47,262	-10,395
7.	Aug	2021	56,757	57,763	2,722	-55,041	35,535	11,168	46,703	-8,337
8.	Sep	2021	59,645	54,875	2,463	-52,412	35,535	10,610	46,145	-6,267
9.	Oct	2021	62,533	51,987	2,217	-49,770	35,535	10,052	45,586	-4,184
10.	Nov	2021	65,421	49,099	1,983	-47,115	35,535	9,493	45,028	-2,087
11.	Dec	2021	68,310	46,210	1,763	-44,447	35,535	8,935	44,470	22	Break Even
12.	Jan	2022	71,198	43,322	1,556	-41,767	35,535	8,376	43,911	2,145
End Of Year 1 of Loan
13.	Feb	2022	74,086	40,434	1,361	-39,073	35,535	7,818	43,353	4,280
14.	Mar	2022	76,974	37,546	1,180	-36,366	35,535	7,259	42,794	6,428
15.	Apr	2022	79,862	34,658	1,011	-33,647	35,535	6,701	42,236	8,589
16.	May	2022	82,750	31,770	856	-30,914	32,305	6,143	38,447	7,533
17.	Jun	2022	85,639	28,881	713	-28,169	32,305	5,584	37,889	9,720
18.	Jul	2022	88,527	25,993	583	-25,410	32,305	5,026	37,330	11,920
19.	Aug	2022	91,415	23,105	467	-22,639	32,305	4,467	36,772	14,133
20.	Sep	2022	94,303	20,217	363	-19,854	32,305	3,909	36,213	16,359
21.	Oct	2022	97,191	17,329	272	-17,057	32,305	3,351	35,655	18,598
22.	Nov	2022	100,079	14,441	194	-14,246	32,305	2,792	35,097	20,850
23.	Dec	2022	102,967	11,553	130	-11,423	32,305	2,234	34,538	23,115
24.	Jan	2023	105,856	8,664	78	-8,587	32,305	1,675	33,980	25,393
End Of Year 2 of Loan
25.	Feb	2023	108,744	5,776	39	-5,737	32,305	1,117	33,421	27,684
26.	Mar	2023	111,632	2,888	13	-2,875	32,305	558	32,863	29,988
27.	Apr	2023	114,520	0	0	0	32,305	0	32,305	32,305	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	-70,542	53,284	-17,258
Mar	2021	-67,991	52,726	-15,265
Apr	2021	-65,427	52,167	-13,259
May	2021	-62,850	48,379	-14,471
Jun	2021	-60,260	47,820	-12,440
Jul	2021	-57,657	47,262	-10,395
Aug	2021	-55,041	46,703	-8,337
Sep	2021	-52,412	46,145	-6,267
Oct	2021	-49,770	45,586	-4,184
Nov	2021	-47,115	45,028	-2,087
Dec	2021	-44,447	44,470	22
Jan	2022	-41,767	43,911	2,145
End Of Year 1 of Loan
Feb	2022	-39,073	43,353	4,280
Mar	2022	-36,366	42,794	6,428
Apr	2022	-33,647	42,236	8,589
May	2022	-30,914	38,447	7,533
Jun	2022	-28,169	37,889	9,720
Jul	2022	-25,410	37,330	11,920
Aug	2022	-22,639	36,772	14,133
Sep	2022	-19,854	36,213	16,359
Oct	2022	-17,057	35,655	18,598
Nov	2022	-14,246	35,097	20,850
Dec	2022	-11,423	34,538	23,115
Jan	2023	-8,587	33,980	25,393
End Of Year 2 of Loan
Feb	2023	-5,737	33,421	27,684
Mar	2023	-2,875	32,863	29,988
Apr	2023	0	32,305	32,305

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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