$148,800

Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
30 Nov 2017 (6 years, 9 months remaining)
Months
(6 years, 9 months )
%

$34,419 Information
Based on this OMV and registration date, this car is eligible for minimum 40% down payment.
$57,501
PARF Car  (min PARF 50% of ARF)

Results

Financial Commitment

Car Price
$148,800
Monthly Installment
$1,323.93 /month for 6 years, 9 months (81 months) Information

Upfront Payment

Transfer Fee
$25
Down Payment
$59,520 (40% of Car Price)
1st Installment
$1,323.93
Total Upfront Payment
$60,868.93

Loan Details

Total Loan
$89,280 Information
Total Interest
$17,959 Information
Total Sum Paid
$107,239 at the end of 6 years, 9 months (81 months)

Other Car Financial Details

COE
$57,501 Information
ARF Paid
$40,187 Information
PARF Rebate
You get back $20,093 at the end of 10th year (PARF Rebate) Information
Annual Depreciation
$19,065 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'.
Mar 2021 -88,394 64,148 -24,246
Apr 2021 -87,503 63,669 -23,834
May 2021 -86,606 63,190 -23,416
Jun 2021 -85,704 62,711 -22,993
Jul 2021 -84,796 62,232 -22,565
Aug 2021 -83,883 61,752 -22,131
Sep 2021 -82,965 61,273 -21,692
Oct 2021 -82,041 60,794 -21,247
Nov 2021 -81,112 60,315 -20,797
Dec 2021 -80,177 59,836 -20,342
Jan 2022 -79,237 59,357 -19,881
Feb 2022 -78,292 58,877 -19,415
End Of Year 1 of Loan
Mar 2022 -77,341 58,398 -18,943
Apr 2022 -76,385 57,919 -18,466
May 2022 -75,423 57,440 -17,984
Jun 2022 -74,456 56,961 -17,496
Jul 2022 -73,484 56,481 -17,003
Aug 2022 -72,506 56,002 -16,504
Sep 2022 -71,523 55,523 -16,000
Oct 2022 -70,534 55,044 -15,490
Nov 2022 -69,540 54,565 -14,975
Dec 2022 -68,541 52,365 -16,176
Jan 2023 -67,536 51,885 -15,650
Feb 2023 -66,525 51,406 -15,119
End Of Year 2 of Loan
Mar 2023 -65,510 50,927 -14,583
Apr 2023 -64,489 50,448 -14,041
May 2023 -63,462 49,969 -13,493
Jun 2023 -62,430 49,490 -12,941
Jul 2023 -61,393 49,010 -12,382
Aug 2023 -60,350 48,531 -11,819
Sep 2023 -59,302 48,052 -11,250
Oct 2023 -58,248 47,573 -10,676
Nov 2023 -57,189 47,094 -10,096
Dec 2023 -56,125 44,894 -11,232
Jan 2024 -55,055 44,414 -10,641
Feb 2024 -53,980 43,935 -10,045
End Of Year 3 of Loan
Mar 2024 -52,900 43,456 -9,444
Apr 2024 -51,814 42,977 -8,837
May 2024 -50,722 42,498 -8,224
Jun 2024 -49,625 42,019 -7,607
Jul 2024 -48,523 41,539 -6,984
Aug 2024 -47,415 41,060 -6,355
Sep 2024 -46,302 40,581 -5,721
Oct 2024 -45,184 40,102 -5,082
Nov 2024 -44,060 39,623 -4,438
Dec 2024 -42,931 37,423 -5,508
Jan 2025 -41,796 36,943 -4,853
Feb 2025 -40,656 36,464 -4,192
End Of Year 4 of Loan
Mar 2025 -39,511 35,985 -3,526
Apr 2025 -38,360 35,506 -2,854
May 2025 -37,203 35,027 -2,177
Jun 2025 -36,042 34,547 -1,494
Jul 2025 -34,875 34,068 -806
Aug 2025 -33,702 33,589 -113
Sep 2025 -32,524 33,110 586
Oct 2025 -31,341 32,631 1,290
Nov 2025 -30,152 32,152 1,999
Dec 2025 -28,958 29,951 993
Jan 2026 -27,758 29,472 1,714
Feb 2026 -26,553 28,993 2,440
End Of Year 5 of Loan
Mar 2026 -25,343 28,514 3,171
Apr 2026 -24,127 28,035 3,907
May 2026 -22,906 27,556 4,649
Jun 2026 -21,680 27,076 5,397
Jul 2026 -20,448 26,597 6,150
Aug 2026 -19,210 26,118 6,908
Sep 2026 -17,967 25,639 7,672
Oct 2026 -16,719 25,160 8,441
Nov 2026 -15,465 24,681 9,215
Dec 2026 -14,206 22,480 8,274
Jan 2027 -12,942 22,001 9,059
Feb 2027 -11,672 21,522 9,850
End Of Year 6 of Loan
Mar 2027 -10,397 21,043 10,646
Apr 2027 -9,116 20,564 11,448
May 2027 -7,830 20,085 12,255
Jun 2027 -6,539 19,605 13,067
Jul 2027 -5,242 19,126 13,885
Aug 2027 -3,939 18,647 14,708
Sep 2027 -2,632 18,168 15,536
Oct 2027 -1,319 17,689 16,370
Nov 2027 0 17,210 17,210
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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