$93,800

Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
25 Jan 2017 (5 years, 7 months remaining)
Months
(5 years, 7 months )
%

$20,133 Information
Based on this OMV and registration date, this car is eligible for minimum 30% down payment.
$50,010
PARF Car  (min PARF 50% of ARF)

Results

Financial Commitment

Car Price
$93,800
Monthly Installment
$979.76 /month for 5 years, 7 months (67 months) Information

Upfront Payment

Transfer Fee
$25
Down Payment
$28,140 (30% of Car Price)
1st Installment
$979.76
Total Upfront Payment
$29,144.76

Loan Details

Total Loan
$65,660 Information
Total Interest
$9,364 Information
Total Sum Paid
$75,024 at the end of 5 years, 7 months (67 months)

Other Car Financial Details

COE
$50,010 Information
ARF Paid
$20,186 Information
PARF Rebate
You get back $10,093 at the end of 10th year (PARF Rebate) Information
Annual Depreciation
$14,894 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'.
Jul 2021 -55,576 42,605 -12,970
Aug 2021 -54,867 42,189 -12,679
Sep 2021 -54,155 41,772 -12,383
Oct 2021 -53,438 41,355 -12,083
Nov 2021 -52,717 40,938 -11,779
Dec 2021 -51,992 40,522 -11,471
Jan 2022 -51,263 40,105 -11,158
Feb 2022 -50,530 38,681 -11,849
Mar 2022 -49,793 38,265 -11,528
Apr 2022 -49,052 37,848 -11,204
May 2022 -48,306 37,431 -10,875
Jun 2022 -47,557 37,014 -10,542
End Of Year 1 of Loan
Jul 2022 -46,803 36,598 -10,205
Aug 2022 -46,045 36,181 -9,864
Sep 2022 -45,283 35,764 -9,519
Oct 2022 -44,517 35,347 -9,170
Nov 2022 -43,747 34,931 -8,816
Dec 2022 -42,973 34,514 -8,459
Jan 2023 -42,194 34,097 -8,097
Feb 2023 -41,412 32,674 -8,738
Mar 2023 -40,625 32,257 -8,368
Apr 2023 -39,835 31,840 -7,995
May 2023 -39,040 31,423 -7,617
Jun 2023 -38,241 31,007 -7,234
End Of Year 2 of Loan
Jul 2023 -37,438 30,590 -6,848
Aug 2023 -36,631 30,173 -6,458
Sep 2023 -35,820 29,756 -6,063
Oct 2023 -35,004 29,340 -5,665
Nov 2023 -34,185 28,923 -5,262
Dec 2023 -33,361 28,506 -4,855
Jan 2024 -32,534 28,089 -4,444
Feb 2024 -31,702 26,666 -5,036
Mar 2024 -30,866 26,249 -4,617
Apr 2024 -30,026 25,833 -4,194
May 2024 -29,182 25,416 -3,766
Jun 2024 -28,334 24,999 -3,335
End Of Year 3 of Loan
Jul 2024 -27,481 24,582 -2,899
Aug 2024 -26,625 24,166 -2,459
Sep 2024 -25,764 23,749 -2,016
Oct 2024 -24,900 23,332 -1,568
Nov 2024 -24,031 22,915 -1,116
Dec 2024 -23,158 22,499 -660
Jan 2025 -22,281 22,082 -199
Feb 2025 -21,400 20,658 -742
Mar 2025 -20,515 20,242 -273
Apr 2025 -19,625 19,825 199
May 2025 -18,732 19,408 676
Jun 2025 -17,834 18,991 1,157
End Of Year 4 of Loan
Jul 2025 -16,933 18,575 1,642
Aug 2025 -16,027 18,158 2,131
Sep 2025 -15,117 17,741 2,624
Oct 2025 -14,203 17,324 3,121
Nov 2025 -13,285 16,908 3,623
Dec 2025 -12,363 16,491 4,128
Jan 2026 -11,437 16,074 4,638
Feb 2026 -10,506 14,651 4,145
Mar 2026 -9,572 14,234 4,662
Apr 2026 -8,633 13,817 5,184
May 2026 -7,690 13,401 5,710
Jun 2026 -6,743 12,984 6,241
End Of Year 5 of Loan
Jul 2026 -5,792 12,567 6,775
Aug 2026 -4,837 12,150 7,313
Sep 2026 -3,878 11,734 7,856
Oct 2026 -2,915 11,317 8,402
Nov 2026 -1,947 10,900 8,953
Dec 2026 -976 10,483 9,508
Jan 2027 0 10,067 10,067
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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