Honda Civic 2.0 (A)

$23,300

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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

29 May 2009 (1 years, 9 months remaining)

Loan Term

Months

(1 years, 9 months )

Interest Rate

OMV:

$29,982 Information

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

COE:

$9,180

Car Category:

PARF Car For car registered between March 2008 to February 2013, the minimum PARF rebate is at 50% of OMV.

(min PARF 50% of OMV)

Results

Financial Commitment

Car Price: $23,300
Monthly Installment: $700.43 /month for 1 years, 9 months (21 months)

Upfront Payment

Transfer Fee: $25
Down Payment: $6,990 (30% of Car Price)
1st Installment: $700.43
Total Upfront Payment: $7,715.43

Loan Details

Total Loan: $16,310
Total Interest: $729
Total Sum Paid: $17,039 at the end of 1 years, 9 months (21 months)

Other Car Financial Details

COE: $9,180
ARF Paid: $29,982
PARF Rebate: You get back $14,991 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.	Feb	2021	7,690	14,009	663	-13,346	16,490	1,530	18,020	4,674	Break Even
2.	Mar	2021	8,391	13,308	600	-12,709	16,490	1,454	17,944	5,235
3.	Apr	2021	9,091	12,608	540	-12,068	16,490	1,377	17,867	5,799
4.	May	2021	9,792	11,907	483	-11,424	16,490	1,301	17,791	6,366
5.	Jun	2021	10,492	11,207	429	-10,778	16,490	1,224	17,714	6,936
6.	Jul	2021	11,193	10,506	379	-10,128	16,490	1,148	17,638	7,510
7.	Aug	2021	11,893	9,806	331	-9,475	16,490	1,071	17,561	8,086
8.	Sep	2021	12,593	9,106	287	-8,818	16,490	995	17,485	8,666
9.	Oct	2021	13,294	8,405	246	-8,159	16,490	918	17,408	9,249
10.	Nov	2021	13,994	7,705	208	-7,496	14,991	842	15,833	8,336
11.	Dec	2021	14,695	7,004	174	-6,831	14,991	765	15,756	8,925
12.	Jan	2022	15,395	6,304	142	-6,162	14,991	689	15,680	9,518
End Of Year 1 of Loan
13.	Feb	2022	16,096	5,603	114	-5,490	14,991	612	15,603	10,113
14.	Mar	2022	16,796	4,903	88	-4,815	14,991	536	15,527	10,712
15.	Apr	2022	17,496	4,203	66	-4,136	14,991	459	15,450	11,314
16.	May	2022	18,197	3,502	47	-3,455	14,991	383	15,374	11,919
17.	Jun	2022	18,897	2,802	32	-2,770	14,991	306	15,297	12,527
18.	Jul	2022	19,598	2,101	19	-2,082	14,991	230	15,221	13,138
19.	Aug	2022	20,298	1,401	9	-1,391	14,991	153	15,144	13,753
20.	Sep	2022	20,999	700	3	-697	14,991	77	15,068	14,370
21.	Oct	2022	21,699	0	0	0	14,991	0	14,991	14,991	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	-13,346	18,020	4,674
Mar	2021	-12,709	17,944	5,235
Apr	2021	-12,068	17,867	5,799
May	2021	-11,424	17,791	6,366
Jun	2021	-10,778	17,714	6,936
Jul	2021	-10,128	17,638	7,510
Aug	2021	-9,475	17,561	8,086
Sep	2021	-8,818	17,485	8,666
Oct	2021	-8,159	17,408	9,249
Nov	2021	-7,496	15,833	8,336
Dec	2021	-6,831	15,756	8,925
Jan	2022	-6,162	15,680	9,518
End Of Year 1 of Loan
Feb	2022	-5,490	15,603	10,113
Mar	2022	-4,815	15,527	10,712
Apr	2022	-4,136	15,450	11,314
May	2022	-3,455	15,374	11,919
Jun	2022	-2,770	15,297	12,527
Jul	2022	-2,082	15,221	13,138
Aug	2022	-1,391	15,144	13,753
Sep	2022	-697	15,068	14,370
Oct	2022	0	14,991	14,991

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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