$103,800

Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
25 Nov 2015 (4 years, 7 months remaining)
Months
(4 years, 7 months )
%

$27,622 Information
Based on this OMV and registration date, this car is eligible for minimum 30% down payment.
$61,103
PARF Car  (min PARF 50% of ARF)

Results

Financial Commitment

Car Price
$103,800
Monthly Installment
$1,287.03 /month for 4 years, 7 months (55 months) Information

Upfront Payment

Transfer Fee
$25
Down Payment
$31,140 (30% of Car Price)
1st Installment
$1,287.03
Total Upfront Payment
$32,452.03

Loan Details

Total Loan
$72,660 Information
Total Interest
$8,506 Information
Total Sum Paid
$81,166 at the end of 4 years, 7 months (55 months)

Other Car Financial Details

COE
$61,103 Information
ARF Paid
$30,671 Information
PARF Rebate
You get back $15,335 at the end of 10th year (PARF Rebate) Information
Annual Depreciation
$19,519 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'.
Jun 2021 -61,297 46,832 -14,465
Jul 2021 -60,308 46,323 -13,985
Aug 2021 -59,314 45,813 -13,500
Sep 2021 -58,314 45,304 -13,010
Oct 2021 -57,309 44,795 -12,514
Nov 2021 -56,298 44,286 -12,012
Dec 2021 -55,281 43,777 -11,505
Jan 2022 -54,260 41,886 -12,373
Feb 2022 -53,232 41,377 -11,855
Mar 2022 -52,199 40,868 -11,331
Apr 2022 -51,161 40,359 -10,802
May 2022 -50,117 39,850 -10,267
End Of Year 1 of Loan
Jun 2022 -49,067 39,340 -9,727
Jul 2022 -48,012 38,831 -9,181
Aug 2022 -46,952 38,322 -8,630
Sep 2022 -45,886 37,813 -8,073
Oct 2022 -44,814 37,304 -7,510
Nov 2022 -43,737 36,794 -6,942
Dec 2022 -42,654 36,285 -6,369
Jan 2023 -41,566 34,395 -7,171
Feb 2023 -40,472 33,886 -6,587
Mar 2023 -39,373 33,377 -5,997
Apr 2023 -38,268 32,867 -5,401
May 2023 -37,158 32,358 -4,800
End Of Year 2 of Loan
Jun 2023 -36,042 31,849 -4,193
Jul 2023 -34,921 31,340 -3,581
Aug 2023 -33,794 30,831 -2,964
Sep 2023 -32,662 30,321 -2,340
Oct 2023 -31,524 29,812 -1,712
Nov 2023 -30,380 29,303 -1,077
Dec 2023 -29,232 28,794 -438
Jan 2024 -28,077 26,904 -1,174
Feb 2024 -26,917 26,394 -523
Mar 2024 -25,752 25,885 134
Apr 2024 -24,581 25,376 795
May 2024 -23,404 24,867 1,463
End Of Year 3 of Loan
Jun 2024 -22,222 24,358 2,136
Jul 2024 -21,034 23,848 2,814
Aug 2024 -19,841 23,339 3,498
Sep 2024 -18,643 22,830 4,187
Oct 2024 -17,438 22,321 4,882
Nov 2024 -16,229 21,812 5,583
Dec 2024 -15,013 21,302 6,289
Jan 2025 -13,793 19,412 5,619
Feb 2025 -12,566 18,903 6,336
Mar 2025 -11,335 18,394 7,059
Apr 2025 -10,097 17,885 7,787
May 2025 -8,855 17,375 8,521
End Of Year 4 of Loan
Jun 2025 -7,606 16,866 9,260
Jul 2025 -6,352 16,357 10,005
Aug 2025 -5,093 15,848 10,755
Sep 2025 -3,828 15,339 11,511
Oct 2025 -2,557 14,829 12,272
Nov 2025 -1,282 14,320 13,039
Dec 2025 0 13,811 13,811
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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