Nissan Sylphy 1.6 Premium (A)

$69,800

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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

2 Nov 2015 (4 years, 9 months remaining)

Loan Term

Months

(4 years, 9 months )

Interest Rate

OMV:

$16,439 Information

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

COE:

$57,301

Car Category:

PARF Car For car registered from March 2013, the minimum PARF rebate is 50% ARF.

(min PARF 50% of ARF)

Results

Financial Commitment

Car Price: $69,800
Monthly Installment: $978.53 /month for 4 years, 9 months (57 months)

Upfront Payment

Transfer Fee: $25
Down Payment: $20,940 (30% of Car Price)
1st Installment: $978.53
Total Upfront Payment: $21,943.53

Loan Details

Total Loan: $48,860
Total Interest: $6,916
Total Sum Paid: $55,776 at the end of 4 years, 9 months (57 months)

Other Car Financial Details

COE: $57,301
ARF Paid: $16,439
PARF Rebate: You get back $8,220 at the end of 10th year (PARF Rebate)
Annual Depreciation: $13,194

				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.	Apr	2021	21,919	54,798	6,678	-48,120	11,507	26,740	38,248	-9,872
2.	May	2021	22,897	53,819	6,443	-47,376	11,507	26,263	37,770	-9,605
3.	Jun	2021	23,876	52,841	6,213	-46,627	11,507	25,785	37,293	-9,335
4.	Jul	2021	24,854	51,862	5,987	-45,875	11,507	25,308	36,815	-9,059
5.	Aug	2021	25,833	50,883	5,766	-45,118	11,507	24,830	36,338	-8,780
6.	Sep	2021	26,811	49,905	5,548	-44,357	11,507	24,353	35,860	-8,497
7.	Oct	2021	27,790	48,926	5,335	-43,592	11,507	23,875	35,383	-8,209
8.	Nov	2021	28,768	47,948	5,125	-42,823	11,507	23,398	34,905	-7,917
9.	Dec	2021	29,747	46,969	4,920	-42,049	11,507	22,920	34,428	-7,621
10.	Jan	2022	30,725	45,991	4,720	-41,271	10,685	22,443	33,128	-8,143
11.	Feb	2022	31,704	45,012	4,523	-40,489	10,685	21,965	32,651	-7,839
12.	Mar	2022	32,682	44,034	4,330	-39,703	10,685	21,488	32,173	-7,530
End Of Year 1 of Loan
13.	Apr	2022	33,661	43,055	4,142	-38,913	10,685	21,010	31,696	-7,217
14.	May	2022	34,639	42,077	3,958	-38,119	10,685	20,533	31,218	-6,900
15.	Jun	2022	35,618	41,098	3,778	-37,320	10,685	20,055	30,741	-6,579
16.	Jul	2022	36,596	40,120	3,602	-36,517	10,685	19,578	30,263	-6,254
17.	Aug	2022	37,575	39,141	3,431	-35,710	10,685	19,100	29,786	-5,925
18.	Sep	2022	38,554	38,163	3,264	-34,899	10,685	18,623	29,308	-5,591
19.	Oct	2022	39,532	37,184	3,100	-34,084	10,685	18,145	28,831	-5,253
20.	Nov	2022	40,511	36,206	2,941	-33,264	10,685	17,668	28,353	-4,911
21.	Dec	2022	41,489	35,227	2,787	-32,440	10,685	17,190	27,876	-4,565
22.	Jan	2023	42,468	34,249	2,636	-31,613	9,863	16,713	26,576	-5,036
23.	Feb	2023	43,446	33,270	2,489	-30,781	9,863	16,235	26,099	-4,682
24.	Mar	2023	44,425	32,291	2,347	-29,944	9,863	15,758	25,621	-4,323
End Of Year 2 of Loan
25.	Apr	2023	45,403	31,313	2,209	-29,104	9,863	15,280	25,144	-3,960
26.	May	2023	46,382	30,334	2,075	-28,259	9,863	14,803	24,666	-3,593
27.	Jun	2023	47,360	29,356	1,946	-27,410	9,863	14,325	24,189	-3,222
28.	Jul	2023	48,339	28,377	1,820	-26,557	9,863	13,848	23,711	-2,846
29.	Aug	2023	49,317	27,399	1,699	-25,700	9,863	13,370	23,234	-2,466
30.	Sep	2023	50,296	26,420	1,582	-24,839	9,863	12,893	22,756	-2,083
31.	Oct	2023	51,274	25,442	1,469	-23,973	9,863	12,415	22,279	-1,695
32.	Nov	2023	52,253	24,463	1,360	-23,103	9,863	11,938	21,801	-1,302
33.	Dec	2023	53,231	23,485	1,255	-22,229	9,863	11,460	21,324	-906
34.	Jan	2024	54,210	22,506	1,155	-21,351	9,041	10,983	20,024	-1,327
35.	Feb	2024	55,189	21,528	1,059	-20,469	9,041	10,505	19,547	-922
36.	Mar	2024	56,167	20,549	967	-19,583	9,041	10,028	19,069	-513
End Of Year 3 of Loan
37.	Apr	2024	57,146	19,571	879	-18,692	9,041	9,550	18,592	-100
38.	May	2024	58,124	18,592	795	-17,797	9,041	9,073	18,114	317	Break Even
39.	Jun	2024	59,103	17,614	715	-16,898	9,041	8,595	17,637	739
40.	Jul	2024	60,081	16,635	640	-15,995	9,041	8,118	17,159	1,164
41.	Aug	2024	61,060	15,656	569	-15,087	9,041	7,640	16,682	1,594
42.	Sep	2024	62,038	14,678	502	-14,176	9,041	7,163	16,204	2,028
43.	Oct	2024	63,017	13,699	439	-13,260	9,041	6,685	15,727	2,466
44.	Nov	2024	63,995	12,721	381	-12,340	9,041	6,208	15,249	2,909
45.	Dec	2024	64,974	11,742	326	-11,416	9,041	5,730	14,772	3,356
46.	Jan	2025	65,952	10,764	276	-10,488	8,220	5,253	13,472	2,984
47.	Feb	2025	66,931	9,785	230	-9,555	8,220	4,775	12,995	3,439
48.	Mar	2025	67,909	8,807	188	-8,618	8,220	4,298	12,517	3,899
End Of Year 4 of Loan
49.	Apr	2025	68,888	7,828	151	-7,678	8,220	3,820	12,040	4,362
50.	May	2025	69,866	6,850	117	-6,733	8,220	3,343	11,562	4,830
51.	Jun	2025	70,845	5,871	88	-5,783	8,220	2,865	11,085	5,301
52.	Jul	2025	71,823	4,893	63	-4,830	8,220	2,388	10,607	5,777
53.	Aug	2025	72,802	3,914	42	-3,872	8,220	1,910	10,130	6,257
54.	Sep	2025	73,781	2,936	25	-2,910	8,220	1,433	9,652	6,742
55.	Oct	2025	74,759	1,957	13	-1,945	8,220	955	9,175	7,230
56.	Nov	2025	75,738	979	4	-974	8,220	478	8,697	7,723
57.	Dec	2025	76,716	0	0	0	8,220	0	8,220	8,220	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'.
Apr	2021	-48,120	38,248	-9,872
May	2021	-47,376	37,770	-9,605
Jun	2021	-46,627	37,293	-9,335
Jul	2021	-45,875	36,815	-9,059
Aug	2021	-45,118	36,338	-8,780
Sep	2021	-44,357	35,860	-8,497
Oct	2021	-43,592	35,383	-8,209
Nov	2021	-42,823	34,905	-7,917
Dec	2021	-42,049	34,428	-7,621
Jan	2022	-41,271	33,128	-8,143
Feb	2022	-40,489	32,651	-7,839
Mar	2022	-39,703	32,173	-7,530
End Of Year 1 of Loan
Apr	2022	-38,913	31,696	-7,217
May	2022	-38,119	31,218	-6,900
Jun	2022	-37,320	30,741	-6,579
Jul	2022	-36,517	30,263	-6,254
Aug	2022	-35,710	29,786	-5,925
Sep	2022	-34,899	29,308	-5,591
Oct	2022	-34,084	28,831	-5,253
Nov	2022	-33,264	28,353	-4,911
Dec	2022	-32,440	27,876	-4,565
Jan	2023	-31,613	26,576	-5,036
Feb	2023	-30,781	26,099	-4,682
Mar	2023	-29,944	25,621	-4,323
End Of Year 2 of Loan
Apr	2023	-29,104	25,144	-3,960
May	2023	-28,259	24,666	-3,593
Jun	2023	-27,410	24,189	-3,222
Jul	2023	-26,557	23,711	-2,846
Aug	2023	-25,700	23,234	-2,466
Sep	2023	-24,839	22,756	-2,083
Oct	2023	-23,973	22,279	-1,695
Nov	2023	-23,103	21,801	-1,302
Dec	2023	-22,229	21,324	-906
Jan	2024	-21,351	20,024	-1,327
Feb	2024	-20,469	19,547	-922
Mar	2024	-19,583	19,069	-513
End Of Year 3 of Loan
Apr	2024	-18,692	18,592	-100
May	2024	-17,797	18,114	317
Jun	2024	-16,898	17,637	739
Jul	2024	-15,995	17,159	1,164
Aug	2024	-15,087	16,682	1,594
Sep	2024	-14,176	16,204	2,028
Oct	2024	-13,260	15,727	2,466
Nov	2024	-12,340	15,249	2,909
Dec	2024	-11,416	14,772	3,356
Jan	2025	-10,488	13,472	2,984
Feb	2025	-9,555	12,995	3,439
Mar	2025	-8,618	12,517	3,899
End Of Year 4 of Loan
Apr	2025	-7,678	12,040	4,362
May	2025	-6,733	11,562	4,830
Jun	2025	-5,783	11,085	5,301
Jul	2025	-4,830	10,607	5,777
Aug	2025	-3,872	10,130	6,257
Sep	2025	-2,910	9,652	6,742
Oct	2025	-1,945	9,175	7,230
Nov	2025	-974	8,697	7,723
Dec	2025	0	8,220	8,220

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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