$99,500

Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
29 Dec 2016 (7 years, 4 months remaining)
Months
(7 years)
%

$25,631 Information
Based on this OMV and registration date, this car is eligible for minimum 30% down payment.
$52,668
PARF Car  (min PARF 50% of ARF)

Results

Financial Commitment

Car Price
$99,500
Monthly Installment
$858.97 /month for 7 years (84 months) Information

Upfront Payment

Transfer Fee
$25
Down Payment
$29,850 (30% of Car Price)
1st Installment
$858.97
Total Upfront Payment
$30,733.97

Loan Details

Total Loan
$69,650 Information
Total Interest
$12,453 Information
Total Sum Paid
$82,103 at the end of 7 years (84 months)

Other Car Financial Details

COE
$52,668 Information
ARF Paid
$27,883 Information
PARF Rebate
You get back $13,942 at the end of 10th year (PARF Rebate) Information
Annual Depreciation
$11,647 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'.
Sep 2019 -59,134 57,408 -1,727
Oct 2019 -58,565 56,969 -1,596
Nov 2019 -57,992 56,530 -1,462
Dec 2019 -57,415 56,091 -1,324
Jan 2020 -56,835 55,652 -1,183
Feb 2020 -56,252 55,213 -1,039
Mar 2020 -55,665 54,774 -891
Apr 2020 -55,075 54,335 -739
May 2020 -54,481 53,896 -585
Jun 2020 -53,884 53,457 -426
Jul 2020 -53,283 53,019 -264
Aug 2020 -52,678 52,580 -99
End Of Year 1 of Loan
Sep 2020 -52,071 52,141 70
Oct 2020 -51,459 51,702 243
Nov 2020 -50,845 51,263 418
Dec 2020 -50,226 50,824 598
Jan 2021 -49,604 50,385 781
Feb 2021 -48,979 49,946 967
Mar 2021 -48,350 49,507 1,157
Apr 2021 -47,718 49,068 1,350
May 2021 -47,083 48,630 1,547
Jun 2021 -46,443 48,191 1,747
Jul 2021 -45,801 47,752 1,951
Aug 2021 -45,154 47,313 2,158
End Of Year 2 of Loan
Sep 2021 -44,505 46,874 2,369
Oct 2021 -43,852 46,435 2,583
Nov 2021 -43,195 45,996 2,801
Dec 2021 -42,535 45,557 3,022
Jan 2022 -41,871 43,837 1,966
Feb 2022 -41,204 43,398 2,194
Mar 2022 -40,534 42,959 2,425
Apr 2022 -39,859 42,520 2,661
May 2022 -39,182 42,081 2,899
Jun 2022 -38,501 41,642 3,141
Jul 2022 -37,816 41,203 3,387
Aug 2022 -37,128 40,765 3,636
End Of Year 3 of Loan
Sep 2022 -36,437 40,326 3,889
Oct 2022 -35,742 39,887 4,145
Nov 2022 -35,043 39,448 4,405
Dec 2022 -34,341 39,009 4,668
Jan 2023 -33,636 37,288 3,653
Feb 2023 -32,927 36,850 3,923
Mar 2023 -32,214 36,411 4,196
Apr 2023 -31,498 35,972 4,473
May 2023 -30,779 35,533 4,754
Jun 2023 -30,056 35,094 5,038
Jul 2023 -29,330 34,655 5,325
Aug 2023 -28,600 34,216 5,616
End Of Year 4 of Loan
Sep 2023 -27,866 33,777 5,911
Oct 2023 -27,129 33,338 6,209
Nov 2023 -26,389 32,899 6,510
Dec 2023 -25,645 32,461 6,815
Jan 2024 -24,898 30,740 5,842
Feb 2024 -24,147 30,301 6,154
Mar 2024 -23,393 29,862 6,470
Apr 2024 -22,635 29,423 6,789
May 2024 -21,874 28,985 7,111
Jun 2024 -21,109 28,546 7,437
Jul 2024 -20,341 28,107 7,766
Aug 2024 -19,569 27,668 8,099
End Of Year 5 of Loan
Sep 2024 -18,794 27,229 8,435
Oct 2024 -18,015 26,790 8,775
Nov 2024 -17,233 26,351 9,119
Dec 2024 -16,447 25,912 9,465
Jan 2025 -15,658 24,192 8,534
Feb 2025 -14,865 23,753 8,888
Mar 2025 -14,069 23,314 9,245
Apr 2025 -13,269 22,875 9,606
May 2025 -12,466 22,436 9,970
Jun 2025 -11,659 21,997 10,338
Jul 2025 -10,849 21,558 10,709
Aug 2025 -10,036 21,119 11,084
End Of Year 6 of Loan
Sep 2025 -9,218 20,681 11,462
Oct 2025 -8,398 20,242 11,844
Nov 2025 -7,574 19,803 12,229
Dec 2025 -6,746 19,364 12,618
Jan 2026 -5,915 17,643 11,728
Feb 2026 -5,081 17,205 12,124
Mar 2026 -4,243 16,766 12,523
Apr 2026 -3,401 16,327 12,926
May 2026 -2,556 15,888 13,332
Jun 2026 -1,707 15,449 13,741
Jul 2026 -855 15,010 14,155
Aug 2026 0 14,571 14,571
Sep 2026 0 14,132 14,132
Oct 2026 0 13,693 13,693
Nov 2026 0 13,254 13,254
Dec 2026 0 12,816 12,816
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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