$79,800

Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
29 Dec 2015 (4 years, 8 months remaining)
Months
(4 years, 8 months )
%

$19,158 Information
Based on this OMV and registration date, this car is eligible for minimum 30% down payment.
$54,301
PARF Car  (min PARF 50% of ARF)

Results

Financial Commitment

Car Price
$79,800
Monthly Installment
$1,136.22 /month for 4 years, 8 months (56 months) Information

Upfront Payment

Transfer Fee
$25
Down Payment
$23,940 (30% of Car Price)
1st Installment
$1,136.22
Total Upfront Payment
$25,101.22

Loan Details

Total Loan
$55,860 Information
Total Interest
$7,768 Information
Total Sum Paid
$63,628 at the end of 4 years, 8 months (56 months)

Other Car Financial Details

COE
$54,301 Information
ARF Paid
$19,158 Information
PARF Rebate
You get back $9,579 at the end of 10th year (PARF Rebate) Information
Annual Depreciation
$14,921 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'.
May 2021 -54,996 38,299 -16,698
Jun 2021 -54,128 37,846 -16,282
Jul 2021 -53,254 37,394 -15,861
Aug 2021 -52,376 36,941 -15,435
Sep 2021 -51,493 36,489 -15,005
Oct 2021 -50,605 36,036 -14,569
Nov 2021 -49,712 35,584 -14,129
Dec 2021 -48,815 35,131 -13,684
Jan 2022 -47,912 33,721 -14,191
Feb 2022 -47,004 33,268 -13,736
Mar 2022 -46,092 32,816 -13,277
Apr 2022 -45,175 32,363 -12,812
End Of Year 1 of Loan
May 2022 -44,253 31,911 -12,342
Jun 2022 -43,326 31,458 -11,868
Jul 2022 -42,394 31,006 -11,389
Aug 2022 -41,458 30,553 -10,905
Sep 2022 -40,516 30,101 -10,415
Oct 2022 -39,570 29,648 -9,922
Nov 2022 -38,618 29,196 -9,423
Dec 2022 -37,662 28,743 -8,919
Jan 2023 -36,701 27,333 -9,369
Feb 2023 -35,735 26,880 -8,855
Mar 2023 -34,765 26,428 -8,337
Apr 2023 -33,789 25,975 -7,814
End Of Year 2 of Loan
May 2023 -32,809 25,523 -7,286
Jun 2023 -31,823 25,070 -6,753
Jul 2023 -30,833 24,618 -6,216
Aug 2023 -29,838 24,165 -5,673
Sep 2023 -28,838 23,713 -5,126
Oct 2023 -27,833 23,260 -4,573
Nov 2023 -26,824 22,808 -4,016
Dec 2023 -25,809 22,355 -3,454
Jan 2024 -24,790 20,945 -3,845
Feb 2024 -23,765 20,492 -3,273
Mar 2024 -22,736 20,040 -2,697
Apr 2024 -21,702 19,587 -2,115
End Of Year 3 of Loan
May 2024 -20,663 19,135 -1,529
Jun 2024 -19,620 18,682 -938
Jul 2024 -18,571 18,230 -341
Aug 2024 -17,518 17,777 259
Sep 2024 -16,459 17,325 865
Oct 2024 -15,396 16,872 1,476
Nov 2024 -14,328 16,420 2,092
Dec 2024 -13,255 15,967 2,712
Jan 2025 -12,177 14,557 2,379
Feb 2025 -11,094 14,104 3,010
Mar 2025 -10,007 13,652 3,645
Apr 2025 -8,915 13,199 4,285
End Of Year 4 of Loan
May 2025 -7,817 12,747 4,929
Jun 2025 -6,715 12,294 5,579
Jul 2025 -5,608 11,842 6,233
Aug 2025 -4,496 11,389 6,893
Sep 2025 -3,379 10,937 7,557
Oct 2025 -2,258 10,484 8,226
Nov 2025 -1,131 10,032 8,900
Dec 2025 0 9,579 9,579
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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