$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.
$50,991
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
$50,991 Information
ARF Paid
$27,883 Information
PARF Rebate
You get back $13,942 at the end of 10th year (PARF Rebate) Information
Annual Depreciation
$11,653 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 56,192 -2,942
Oct 2019 -58,565 55,767 -2,798
Nov 2019 -57,992 55,342 -2,650
Dec 2019 -57,415 54,917 -2,498
Jan 2020 -56,835 54,492 -2,343
Feb 2020 -56,252 54,067 -2,185
Mar 2020 -55,665 53,642 -2,023
Apr 2020 -55,075 53,217 -1,857
May 2020 -54,481 52,792 -1,689
Jun 2020 -53,884 52,367 -1,516
Jul 2020 -53,283 51,942 -1,340
Aug 2020 -52,678 51,518 -1,161
End Of Year 1 of Loan
Sep 2020 -52,071 51,093 -978
Oct 2020 -51,459 50,668 -792
Nov 2020 -50,845 50,243 -602
Dec 2020 -50,226 49,818 -408
Jan 2021 -49,604 49,393 -212
Feb 2021 -48,979 48,968 -11
Mar 2021 -48,350 48,543 193
Apr 2021 -47,718 48,118 400
May 2021 -47,083 47,693 611
Jun 2021 -46,443 47,268 825
Jul 2021 -45,801 46,843 1,043
Aug 2021 -45,154 46,418 1,264
End Of Year 2 of Loan
Sep 2021 -44,505 45,994 1,489
Oct 2021 -43,852 45,569 1,717
Nov 2021 -43,195 45,144 1,949
Dec 2021 -42,535 44,719 2,184
Jan 2022 -41,871 43,012 1,141
Feb 2022 -41,204 42,587 1,383
Mar 2022 -40,534 42,162 1,629
Apr 2022 -39,859 41,738 1,878
May 2022 -39,182 41,313 2,131
Jun 2022 -38,501 40,888 2,387
Jul 2022 -37,816 40,463 2,646
Aug 2022 -37,128 40,038 2,910
End Of Year 3 of Loan
Sep 2022 -36,437 39,613 3,176
Oct 2022 -35,742 39,188 3,446
Nov 2022 -35,043 38,763 3,720
Dec 2022 -34,341 38,338 3,997
Jan 2023 -33,636 36,632 2,996
Feb 2023 -32,927 36,207 3,280
Mar 2023 -32,214 35,782 3,568
Apr 2023 -31,498 35,357 3,859
May 2023 -30,779 34,932 4,153
Jun 2023 -30,056 34,507 4,451
Jul 2023 -29,330 34,082 4,753
Aug 2023 -28,600 33,657 5,057
End Of Year 4 of Loan
Sep 2023 -27,866 33,232 5,366
Oct 2023 -27,129 32,807 5,678
Nov 2023 -26,389 32,382 5,993
Dec 2023 -25,645 31,957 6,312
Jan 2024 -24,898 30,251 5,353
Feb 2024 -24,147 29,826 5,679
Mar 2024 -23,393 29,401 6,008
Apr 2024 -22,635 28,976 6,341
May 2024 -21,874 28,551 6,678
Jun 2024 -21,109 28,126 7,018
Jul 2024 -20,341 27,701 7,361
Aug 2024 -19,569 27,277 7,708
End Of Year 5 of Loan
Sep 2024 -18,794 26,852 8,058
Oct 2024 -18,015 26,427 8,412
Nov 2024 -17,233 26,002 8,769
Dec 2024 -16,447 25,577 9,130
Jan 2025 -15,658 23,870 8,213
Feb 2025 -14,865 23,445 8,580
Mar 2025 -14,069 23,020 8,952
Apr 2025 -13,269 22,596 9,326
May 2025 -12,466 22,171 9,705
Jun 2025 -11,659 21,746 10,086
Jul 2025 -10,849 21,321 10,472
Aug 2025 -10,036 20,896 10,860
End Of Year 6 of Loan
Sep 2025 -9,218 20,471 11,252
Oct 2025 -8,398 20,046 11,648
Nov 2025 -7,574 19,621 12,047
Dec 2025 -6,746 19,196 12,450
Jan 2026 -5,915 17,490 11,575
Feb 2026 -5,081 17,065 11,984
Mar 2026 -4,243 16,640 12,397
Apr 2026 -3,401 16,215 12,814
May 2026 -2,556 15,790 13,234
Jun 2026 -1,707 15,365 13,658
Jul 2026 -855 14,940 14,085
Aug 2026 0 14,515 14,515
Sep 2026 0 14,090 14,090
Oct 2026 0 13,665 13,665
Nov 2026 0 13,240 13,240
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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