$99,500

Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
29 Dec 2016 (6 years, 11 months remaining)
Months
(6 years, 11 months )
%

$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
$867.53 /month for 6 years, 11 months (83 months) Information

Upfront Payment

Transfer Fee
$25
Down Payment
$29,850 (30% of Car Price)
1st Installment
$867.53
Total Upfront Payment
$30,742.53

Loan Details

Total Loan
$69,650 Information
Total Interest
$12,305 Information
Total Sum Paid
$81,955 at the end of 6 years, 11 months (83 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
$12,366 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'.
Feb 2020 -59,125 54,067 -5,058
Mar 2020 -58,547 53,642 -4,905
Apr 2020 -57,966 53,217 -4,749
May 2020 -57,381 52,792 -4,588
Jun 2020 -56,792 52,367 -4,425
Jul 2020 -56,200 51,942 -4,257
Aug 2020 -55,604 51,518 -4,086
Sep 2020 -55,005 51,093 -3,912
Oct 2020 -54,402 50,668 -3,734
Nov 2020 -53,796 50,243 -3,553
Dec 2020 -53,186 49,818 -3,368
Jan 2021 -52,572 49,393 -3,179
End Of Year 1 of Loan
Feb 2021 -51,955 48,968 -2,987
Mar 2021 -51,335 48,543 -2,792
Apr 2021 -50,711 48,118 -2,593
May 2021 -50,084 47,693 -2,390
Jun 2021 -49,453 47,268 -2,184
Jul 2021 -48,818 46,843 -1,975
Aug 2021 -48,180 46,418 -1,761
Sep 2021 -47,538 45,994 -1,545
Oct 2021 -46,893 45,569 -1,325
Nov 2021 -46,244 45,144 -1,101
Dec 2021 -45,592 44,719 -873
Jan 2022 -44,937 43,012 -1,924
End Of Year 2 of Loan
Feb 2022 -44,277 42,587 -1,690
Mar 2022 -43,614 42,162 -1,452
Apr 2022 -42,948 41,738 -1,211
May 2022 -42,278 41,313 -966
Jun 2022 -41,605 40,888 -717
Jul 2022 -40,928 40,463 -465
Aug 2022 -40,247 40,038 -210
Sep 2022 -39,564 39,613 49
Oct 2022 -38,876 39,188 312
Nov 2022 -38,185 38,763 578
Dec 2022 -37,490 38,338 848
Jan 2023 -36,792 36,632 -161
End Of Year 3 of Loan
Feb 2023 -36,091 36,207 116
Mar 2023 -35,386 35,782 396
Apr 2023 -34,677 35,357 680
May 2023 -33,965 34,932 967
Jun 2023 -33,249 34,507 1,258
Jul 2023 -32,530 34,082 1,552
Aug 2023 -31,807 33,657 1,850
Sep 2023 -31,080 33,232 2,152
Oct 2023 -30,351 32,807 2,457
Nov 2023 -29,617 32,382 2,765
Dec 2023 -28,880 31,957 3,077
Jan 2024 -28,140 30,251 2,111
End Of Year 4 of Loan
Feb 2024 -27,396 29,826 2,430
Mar 2024 -26,648 29,401 2,753
Apr 2024 -25,897 28,976 3,079
May 2024 -25,143 28,551 3,409
Jun 2024 -24,385 28,126 3,742
Jul 2024 -23,623 27,701 4,078
Aug 2024 -22,858 27,277 4,419
Sep 2024 -22,089 26,852 4,763
Oct 2024 -21,317 26,427 5,110
Nov 2024 -20,541 26,002 5,461
Dec 2024 -19,762 25,577 5,815
Jan 2025 -18,979 23,870 4,891
End Of Year 5 of Loan
Feb 2025 -18,193 23,445 5,253
Mar 2025 -17,403 23,020 5,618
Apr 2025 -16,609 22,596 5,986
May 2025 -15,812 22,171 6,358
Jun 2025 -15,012 21,746 6,734
Jul 2025 -14,208 21,321 7,113
Aug 2025 -13,400 20,896 7,495
Sep 2025 -12,589 20,471 7,882
Oct 2025 -11,775 20,046 8,271
Nov 2025 -10,957 19,621 8,664
Dec 2025 -10,135 19,196 9,061
Jan 2026 -9,310 17,490 8,180
End Of Year 6 of Loan
Feb 2026 -8,481 17,065 8,584
Mar 2026 -7,649 16,640 8,991
Apr 2026 -6,813 16,215 9,402
May 2026 -5,974 15,790 9,816
Jun 2026 -5,131 15,365 10,234
Jul 2026 -4,285 14,940 10,655
Aug 2026 -3,435 14,515 11,080
Sep 2026 -2,581 14,090 11,509
Oct 2026 -1,724 13,665 11,941
Nov 2026 -864 13,240 12,376
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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