Volkswagen Touareg 3.6 R-Line (A)

$186,900

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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

27 Feb 2015 (4 years, 1 months remaining)

Loan Term

Months

(4 years, 1 months )

Interest Rate

OMV:

$69,925 Information

Based on this OMV and registration date, this car is eligible for minimum 40% down payment.

COE:

$74,000

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: $186,900
Monthly Installment: $2,567.05 /month for 4 years, 1 months (49 months)

Upfront Payment

Transfer Fee: $25
Down Payment: $74,760 (40% of Car Price)
1st Installment: $2,567.05
Total Upfront Payment: $77,352.05

Loan Details

Total Loan: $112,140
Total Interest: $13,646
Total Sum Paid: $125,786 at the end of 4 years, 1 months (49 months)

Other Car Financial Details

COE: $74,000
ARF Paid: $97,865
PARF Rebate: You get back $48,933 at the end of 10th year (PARF Rebate)
Annual Depreciation: $33,756

				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.	Feb	2021	77,327	123,219	13,100	-110,119	48,948	29,600	78,548	-31,571
2.	Mar	2021	79,894	120,651	12,565	-108,086	45,451	28,983	74,435	-33,652
3.	Apr	2021	82,461	118,084	12,042	-106,043	45,451	28,367	73,818	-32,225
4.	May	2021	85,028	115,517	11,529	-103,988	45,451	27,750	73,201	-30,787
5.	Jun	2021	87,595	112,950	11,028	-101,922	45,451	27,133	72,585	-29,338
6.	Jul	2021	90,162	110,383	10,538	-99,846	45,451	26,517	71,968	-27,878
7.	Aug	2021	92,729	107,816	10,059	-97,757	45,451	25,900	71,351	-26,406
8.	Sep	2021	95,296	105,249	9,591	-95,658	45,451	25,283	70,735	-24,924
9.	Oct	2021	97,863	102,682	9,134	-93,548	45,451	24,667	70,118	-23,430
10.	Nov	2021	100,431	100,115	8,689	-91,426	45,451	24,050	69,501	-21,925
11.	Dec	2021	102,998	97,548	8,254	-89,294	45,451	23,433	68,885	-20,409
12.	Jan	2022	105,565	94,981	7,831	-87,150	45,451	22,817	68,268	-18,882
End Of Year 1 of Loan
13.	Feb	2022	108,132	92,414	7,419	-84,995	45,451	22,200	67,651	-17,344
14.	Mar	2022	110,699	89,847	7,018	-82,829	41,955	21,583	63,538	-19,291
15.	Apr	2022	113,266	87,280	6,628	-80,652	41,955	20,967	62,922	-17,730
16.	May	2022	115,833	84,713	6,249	-78,464	41,955	20,350	62,305	-16,159
17.	Jun	2022	118,400	82,146	5,882	-76,264	41,955	19,733	61,688	-14,576
18.	Jul	2022	120,967	79,579	5,525	-74,054	41,955	19,117	61,072	-12,982
19.	Aug	2022	123,534	77,012	5,180	-71,832	41,955	18,500	60,455	-11,377
20.	Sep	2022	126,101	74,445	4,846	-69,599	41,955	17,883	59,838	-9,761
21.	Oct	2022	128,668	71,877	4,523	-67,355	41,955	17,267	59,222	-8,133
22.	Nov	2022	131,235	69,310	4,211	-65,100	41,955	16,650	58,605	-6,495
23.	Dec	2022	133,802	66,743	3,910	-62,833	41,955	16,033	57,988	-4,845
24.	Jan	2023	136,369	64,176	3,620	-60,556	41,955	15,417	57,372	-3,184
End Of Year 2 of Loan
25.	Feb	2023	138,936	61,609	3,342	-58,267	41,955	14,800	56,755	-1,512
26.	Mar	2023	141,503	59,042	3,074	-55,968	38,459	14,183	52,642	-3,326
27.	Apr	2023	144,070	56,475	2,818	-53,657	38,459	13,567	52,025	-1,632
28.	May	2023	146,637	53,908	2,573	-51,335	38,459	12,950	51,409	74	Break Even
29.	Jun	2023	149,205	51,341	2,339	-49,002	38,459	12,333	50,792	1,790
30.	Jul	2023	151,772	48,774	2,116	-46,658	38,459	11,717	50,175	3,518
31.	Aug	2023	154,339	46,207	1,905	-44,302	38,459	11,100	49,559	5,257
32.	Sep	2023	156,906	43,640	1,704	-41,936	38,459	10,483	48,942	7,006
33.	Oct	2023	159,473	41,073	1,515	-39,558	38,459	9,867	48,325	8,768
34.	Nov	2023	162,040	38,506	1,337	-37,169	38,459	9,250	47,709	10,540
35.	Dec	2023	164,607	35,939	1,170	-34,769	38,459	8,633	47,092	12,323
36.	Jan	2024	167,174	33,372	1,014	-32,358	38,459	8,017	46,475	14,117
End Of Year 3 of Loan
37.	Feb	2024	169,741	30,805	869	-29,936	38,459	7,400	45,859	15,923
38.	Mar	2024	172,308	28,238	735	-27,502	34,963	6,783	41,746	14,243
39.	Apr	2024	174,875	25,671	613	-25,058	34,963	6,167	41,129	16,071
40.	May	2024	177,442	23,103	501	-22,602	34,963	5,550	40,513	17,910
41.	Jun	2024	180,009	20,536	401	-20,135	34,963	4,933	39,896	19,760
42.	Jul	2024	182,576	17,969	312	-17,657	34,963	4,317	39,279	21,622
43.	Aug	2024	185,143	15,402	234	-15,168	34,963	3,700	38,663	23,494
44.	Sep	2024	187,710	12,835	167	-12,668	34,963	3,083	38,046	25,378
45.	Oct	2024	190,277	10,268	111	-10,157	34,963	2,467	37,429	27,272
46.	Nov	2024	192,844	7,701	67	-7,634	34,963	1,850	36,813	29,178
47.	Dec	2024	195,411	5,134	33	-5,101	34,963	1,233	36,196	31,095
48.	Jan	2025	197,979	2,567	11	-2,556	34,963	617	35,579	33,023
End Of Year 4 of Loan
49.	Feb	2025	200,546	0	0	0	34,963	0	34,963	34,963	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'.
Feb	2021	-110,119	78,548	-31,571
Mar	2021	-108,086	74,435	-33,652
Apr	2021	-106,043	73,818	-32,225
May	2021	-103,988	73,201	-30,787
Jun	2021	-101,922	72,585	-29,338
Jul	2021	-99,846	71,968	-27,878
Aug	2021	-97,757	71,351	-26,406
Sep	2021	-95,658	70,735	-24,924
Oct	2021	-93,548	70,118	-23,430
Nov	2021	-91,426	69,501	-21,925
Dec	2021	-89,294	68,885	-20,409
Jan	2022	-87,150	68,268	-18,882
End Of Year 1 of Loan
Feb	2022	-84,995	67,651	-17,344
Mar	2022	-82,829	63,538	-19,291
Apr	2022	-80,652	62,922	-17,730
May	2022	-78,464	62,305	-16,159
Jun	2022	-76,264	61,688	-14,576
Jul	2022	-74,054	61,072	-12,982
Aug	2022	-71,832	60,455	-11,377
Sep	2022	-69,599	59,838	-9,761
Oct	2022	-67,355	59,222	-8,133
Nov	2022	-65,100	58,605	-6,495
Dec	2022	-62,833	57,988	-4,845
Jan	2023	-60,556	57,372	-3,184
End Of Year 2 of Loan
Feb	2023	-58,267	56,755	-1,512
Mar	2023	-55,968	52,642	-3,326
Apr	2023	-53,657	52,025	-1,632
May	2023	-51,335	51,409	74
Jun	2023	-49,002	50,792	1,790
Jul	2023	-46,658	50,175	3,518
Aug	2023	-44,302	49,559	5,257
Sep	2023	-41,936	48,942	7,006
Oct	2023	-39,558	48,325	8,768
Nov	2023	-37,169	47,709	10,540
Dec	2023	-34,769	47,092	12,323
Jan	2024	-32,358	46,475	14,117
End Of Year 3 of Loan
Feb	2024	-29,936	45,859	15,923
Mar	2024	-27,502	41,746	14,243
Apr	2024	-25,058	41,129	16,071
May	2024	-22,602	40,513	17,910
Jun	2024	-20,135	39,896	19,760
Jul	2024	-17,657	39,279	21,622
Aug	2024	-15,168	38,663	23,494
Sep	2024	-12,668	38,046	25,378
Oct	2024	-10,157	37,429	27,272
Nov	2024	-7,634	36,813	29,178
Dec	2024	-5,101	36,196	31,095
Jan	2025	-2,556	35,579	33,023
End Of Year 4 of Loan
Feb	2025	0	34,963	34,963

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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