Volkswagen Golf 1.2 TSI (A)

$69,800

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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

21 Oct 2015 (4 years, 9 months remaining)

Loan Term

Months

(4 years, 9 months )

Interest Rate

OMV:

$18,038 Information

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

COE:

$56,001

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: $69,800
Monthly Installment: $978.53 /month for 4 years, 9 months (57 months)

Upfront Payment

Transfer Fee: $25
Down Payment: $20,940 (30% of Car Price)
1st Installment: $978.53
Total Upfront Payment: $21,943.53

Loan Details

Total Loan: $48,860
Total Interest: $6,916
Total Sum Paid: $55,776 at the end of 4 years, 9 months (57 months)

Other Car Financial Details

COE: $56,001
ARF Paid: $18,038
PARF Rebate: You get back $9,019 at the end of 10th year (PARF Rebate)
Annual Depreciation: $12,845

				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	21,919	54,798	6,678	-48,120	12,627	26,134	38,760	-9,360
2.	Mar	2021	22,897	53,819	6,443	-47,376	12,627	25,667	38,294	-9,082
3.	Apr	2021	23,876	52,841	6,213	-46,627	12,627	25,200	37,827	-8,800
4.	May	2021	24,854	51,862	5,987	-45,875	12,627	24,734	37,360	-8,514
5.	Jun	2021	25,833	50,883	5,766	-45,118	12,627	24,267	36,894	-8,224
6.	Jul	2021	26,811	49,905	5,548	-44,357	12,627	23,800	36,427	-7,930
7.	Aug	2021	27,790	48,926	5,335	-43,592	12,627	23,334	35,960	-7,631
8.	Sep	2021	28,768	47,948	5,125	-42,823	12,627	22,867	35,494	-7,329
9.	Oct	2021	29,747	46,969	4,920	-42,049	12,627	22,400	35,027	-7,022
10.	Nov	2021	30,725	45,991	4,720	-41,271	11,725	21,934	33,658	-7,613
11.	Dec	2021	31,704	45,012	4,523	-40,489	11,725	21,467	33,192	-7,298
12.	Jan	2022	32,682	44,034	4,330	-39,703	11,725	21,000	32,725	-6,978
End Of Year 1 of Loan
13.	Feb	2022	33,661	43,055	4,142	-38,913	11,725	20,534	32,258	-6,655
14.	Mar	2022	34,639	42,077	3,958	-38,119	11,725	20,067	31,792	-6,327
15.	Apr	2022	35,618	41,098	3,778	-37,320	11,725	19,600	31,325	-5,995
16.	May	2022	36,596	40,120	3,602	-36,517	11,725	19,134	30,858	-5,659
17.	Jun	2022	37,575	39,141	3,431	-35,710	11,725	18,667	30,392	-5,319
18.	Jul	2022	38,554	38,163	3,264	-34,899	11,725	18,200	29,925	-4,974
19.	Aug	2022	39,532	37,184	3,100	-34,084	11,725	17,734	29,458	-4,625
20.	Sep	2022	40,511	36,206	2,941	-33,264	11,725	17,267	28,992	-4,273
21.	Oct	2022	41,489	35,227	2,787	-32,440	11,725	16,800	28,525	-3,915
22.	Nov	2022	42,468	34,249	2,636	-31,613	10,823	16,334	27,156	-4,456
23.	Dec	2022	43,446	33,270	2,489	-30,781	10,823	15,867	26,690	-4,091
24.	Jan	2023	44,425	32,291	2,347	-29,944	10,823	15,400	26,223	-3,721
End Of Year 2 of Loan
25.	Feb	2023	45,403	31,313	2,209	-29,104	10,823	14,934	25,756	-3,347
26.	Mar	2023	46,382	30,334	2,075	-28,259	10,823	14,467	25,290	-2,969
27.	Apr	2023	47,360	29,356	1,946	-27,410	10,823	14,000	24,823	-2,587
28.	May	2023	48,339	28,377	1,820	-26,557	10,823	13,534	24,356	-2,201
29.	Jun	2023	49,317	27,399	1,699	-25,700	10,823	13,067	23,890	-1,810
30.	Jul	2023	50,296	26,420	1,582	-24,839	10,823	12,600	23,423	-1,416
31.	Aug	2023	51,274	25,442	1,469	-23,973	10,823	12,134	22,956	-1,017
32.	Sep	2023	52,253	24,463	1,360	-23,103	10,823	11,667	22,490	-614
33.	Oct	2023	53,231	23,485	1,255	-22,229	10,823	11,200	22,023	-206
34.	Nov	2023	54,210	22,506	1,155	-21,351	9,921	10,734	20,654	-697
35.	Dec	2023	55,189	21,528	1,059	-20,469	9,921	10,267	20,188	-281
36.	Jan	2024	56,167	20,549	967	-19,583	9,921	9,800	19,721	138	Break Even
End Of Year 3 of Loan
37.	Feb	2024	57,146	19,571	879	-18,692	9,921	9,334	19,254	562
38.	Mar	2024	58,124	18,592	795	-17,797	9,921	8,867	18,788	991
39.	Apr	2024	59,103	17,614	715	-16,898	9,921	8,400	18,321	1,423
40.	May	2024	60,081	16,635	640	-15,995	9,921	7,933	17,854	1,860
41.	Jun	2024	61,060	15,656	569	-15,087	9,921	7,467	17,388	2,300
42.	Jul	2024	62,038	14,678	502	-14,176	9,921	7,000	16,921	2,745
43.	Aug	2024	63,017	13,699	439	-13,260	9,921	6,533	16,454	3,194
44.	Sep	2024	63,995	12,721	381	-12,340	9,921	6,067	15,988	3,648
45.	Oct	2024	64,974	11,742	326	-11,416	9,921	5,600	15,521	4,105
46.	Nov	2024	65,952	10,764	276	-10,488	9,019	5,133	14,152	3,665
47.	Dec	2024	66,931	9,785	230	-9,555	9,019	4,667	13,686	4,131
48.	Jan	2025	67,909	8,807	188	-8,618	9,019	4,200	13,219	4,601
End Of Year 4 of Loan
49.	Feb	2025	68,888	7,828	151	-7,678	9,019	3,733	12,752	5,075
50.	Mar	2025	69,866	6,850	117	-6,733	9,019	3,267	12,286	5,553
51.	Apr	2025	70,845	5,871	88	-5,783	9,019	2,800	11,819	6,036
52.	May	2025	71,823	4,893	63	-4,830	9,019	2,333	11,352	6,522
53.	Jun	2025	72,802	3,914	42	-3,872	9,019	1,867	10,886	7,013
54.	Jul	2025	73,781	2,936	25	-2,910	9,019	1,400	10,419	7,509
55.	Aug	2025	74,759	1,957	13	-1,945	9,019	933	9,952	8,008
56.	Sep	2025	75,738	979	4	-974	9,019	467	9,486	8,511
57.	Oct	2025	76,716	0	0	0	9,019	0	9,019	9,019	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	-48,120	38,760	-9,360
Mar	2021	-47,376	38,294	-9,082
Apr	2021	-46,627	37,827	-8,800
May	2021	-45,875	37,360	-8,514
Jun	2021	-45,118	36,894	-8,224
Jul	2021	-44,357	36,427	-7,930
Aug	2021	-43,592	35,960	-7,631
Sep	2021	-42,823	35,494	-7,329
Oct	2021	-42,049	35,027	-7,022
Nov	2021	-41,271	33,658	-7,613
Dec	2021	-40,489	33,192	-7,298
Jan	2022	-39,703	32,725	-6,978
End Of Year 1 of Loan
Feb	2022	-38,913	32,258	-6,655
Mar	2022	-38,119	31,792	-6,327
Apr	2022	-37,320	31,325	-5,995
May	2022	-36,517	30,858	-5,659
Jun	2022	-35,710	30,392	-5,319
Jul	2022	-34,899	29,925	-4,974
Aug	2022	-34,084	29,458	-4,625
Sep	2022	-33,264	28,992	-4,273
Oct	2022	-32,440	28,525	-3,915
Nov	2022	-31,613	27,156	-4,456
Dec	2022	-30,781	26,690	-4,091
Jan	2023	-29,944	26,223	-3,721
End Of Year 2 of Loan
Feb	2023	-29,104	25,756	-3,347
Mar	2023	-28,259	25,290	-2,969
Apr	2023	-27,410	24,823	-2,587
May	2023	-26,557	24,356	-2,201
Jun	2023	-25,700	23,890	-1,810
Jul	2023	-24,839	23,423	-1,416
Aug	2023	-23,973	22,956	-1,017
Sep	2023	-23,103	22,490	-614
Oct	2023	-22,229	22,023	-206
Nov	2023	-21,351	20,654	-697
Dec	2023	-20,469	20,188	-281
Jan	2024	-19,583	19,721	138
End Of Year 3 of Loan
Feb	2024	-18,692	19,254	562
Mar	2024	-17,797	18,788	991
Apr	2024	-16,898	18,321	1,423
May	2024	-15,995	17,854	1,860
Jun	2024	-15,087	17,388	2,300
Jul	2024	-14,176	16,921	2,745
Aug	2024	-13,260	16,454	3,194
Sep	2024	-12,340	15,988	3,648
Oct	2024	-11,416	15,521	4,105
Nov	2024	-10,488	14,152	3,665
Dec	2024	-9,555	13,686	4,131
Jan	2025	-8,618	13,219	4,601
End Of Year 4 of Loan
Feb	2025	-7,678	12,752	5,075
Mar	2025	-6,733	12,286	5,553
Apr	2025	-5,783	11,819	6,036
May	2025	-4,830	11,352	6,522
Jun	2025	-3,872	10,886	7,013
Jul	2025	-2,910	10,419	7,509
Aug	2025	-1,945	9,952	8,008
Sep	2025	-974	9,486	8,511
Oct	2025	0	9,019	9,019

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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