Volkswagen Golf 1.2 TSI (A)

$65,800

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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

16 Jul 2015 (4 years, 3 months remaining)

Loan Term

Months

(4 years, 3 months )

Interest Rate

OMV:

$18,091 Information

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

COE:

$58,700

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: $65,800
Monthly Installment: $1,017.52 /month for 4 years, 3 months (51 months)

Upfront Payment

Transfer Fee: $25
Down Payment: $19,740 (30% of Car Price)
1st Installment: $1,017.52
Total Upfront Payment: $20,782.52

Loan Details

Total Loan: $46,060
Total Interest: $5,833
Total Sum Paid: $51,893 at the end of 4 years, 3 months (51 months)

Other Car Financial Details

COE: $58,700
ARF Paid: $18,091
PARF Rebate: You get back $9,046 at the end of 10th year (PARF Rebate)
Annual Depreciation: $13,349

				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.	May	2021	20,758	50,876	5,609	-45,267	12,664	24,458	37,122	-8,145
2.	Jun	2021	21,775	49,858	5,389	-44,469	12,664	23,969	36,633	-7,836
3.	Jul	2021	22,793	48,841	5,174	-43,667	12,664	23,480	36,144	-7,524
4.	Aug	2021	23,810	47,823	4,962	-42,861	11,759	22,991	34,750	-8,111
5.	Sep	2021	24,828	46,806	4,756	-42,050	11,759	22,502	34,261	-7,789
6.	Oct	2021	25,845	45,788	4,553	-41,235	11,759	22,013	33,772	-7,463
7.	Nov	2021	26,863	44,771	4,355	-40,416	11,759	21,523	33,282	-7,133
8.	Dec	2021	27,880	43,753	4,162	-39,592	11,759	21,034	32,793	-6,798
9.	Jan	2022	28,898	42,736	3,973	-38,763	11,759	20,545	32,304	-6,459
10.	Feb	2022	29,915	41,718	3,788	-37,930	11,759	20,056	31,815	-6,116
11.	Mar	2022	30,933	40,701	3,607	-37,093	11,759	19,567	31,326	-5,768
12.	Apr	2022	31,950	39,683	3,431	-36,252	11,759	19,078	30,837	-5,415
End Of Year 1 of Loan
13.	May	2022	32,968	38,666	3,260	-35,406	11,759	18,588	30,347	-5,058
14.	Jun	2022	33,985	37,648	3,093	-34,556	11,759	18,099	29,858	-4,697
15.	Jul	2022	35,003	36,631	2,930	-33,701	11,759	17,610	29,369	-4,332
16.	Aug	2022	36,020	35,613	2,772	-32,842	10,855	17,121	27,975	-4,866
17.	Sep	2022	37,038	34,596	2,618	-31,978	10,855	16,632	27,486	-4,492
18.	Oct	2022	38,055	33,578	2,468	-31,110	10,855	16,143	26,997	-4,113
19.	Nov	2022	39,073	32,561	2,323	-30,238	10,855	15,653	26,508	-3,730
20.	Dec	2022	40,090	31,543	2,182	-29,361	10,855	15,164	26,019	-3,342
21.	Jan	2023	41,108	30,526	2,046	-28,480	10,855	14,675	25,530	-2,950
22.	Feb	2023	42,125	29,508	1,914	-27,594	10,855	14,186	25,040	-2,554
23.	Mar	2023	43,143	28,491	1,786	-26,704	10,855	13,697	24,551	-2,153
24.	Apr	2023	44,160	27,473	1,663	-25,810	10,855	13,208	24,062	-1,748
End Of Year 2 of Loan
25.	May	2023	45,178	26,456	1,544	-24,911	10,855	12,718	23,573	-1,338
26.	Jun	2023	46,196	25,438	1,430	-24,008	10,855	12,229	23,084	-924
27.	Jul	2023	47,213	24,420	1,320	-23,101	10,855	11,740	22,595	-506
28.	Aug	2023	48,231	23,403	1,214	-22,189	9,950	11,251	21,201	-988
29.	Sep	2023	49,248	22,385	1,113	-21,272	9,950	10,762	20,712	-561
30.	Oct	2023	50,266	21,368	1,016	-20,352	9,950	10,273	20,223	-129
31.	Nov	2023	51,283	20,350	924	-19,427	9,950	9,783	19,733	307	Break Even
32.	Dec	2023	52,301	19,333	836	-18,497	9,950	9,294	19,244	747
33.	Jan	2024	53,318	18,315	752	-17,563	9,950	8,805	18,755	1,192
34.	Feb	2024	54,336	17,298	673	-16,625	9,950	8,316	18,266	1,641
35.	Mar	2024	55,353	16,280	598	-15,682	9,950	7,827	17,777	2,095
36.	Apr	2024	56,371	15,263	528	-14,735	9,950	7,338	17,288	2,553
End Of Year 3 of Loan
37.	May	2024	57,388	14,245	462	-13,783	9,950	6,848	16,798	3,015
38.	Jun	2024	58,406	13,228	400	-12,827	9,950	6,359	16,309	3,482
39.	Jul	2024	59,423	12,210	343	-11,867	9,950	5,870	15,820	3,953
40.	Aug	2024	60,441	11,193	290	-10,902	9,046	5,381	14,426	3,524
41.	Sep	2024	61,458	10,175	242	-9,933	9,046	4,892	13,937	4,004
42.	Oct	2024	62,476	9,158	198	-8,960	9,046	4,403	13,448	4,488
43.	Nov	2024	63,493	8,140	158	-7,982	9,046	3,913	12,959	4,977
44.	Dec	2024	64,511	7,123	123	-6,999	9,046	3,424	12,470	5,470
45.	Jan	2025	65,528	6,105	92	-6,013	9,046	2,935	11,981	5,968
46.	Feb	2025	66,546	5,088	66	-5,022	9,046	2,446	11,491	6,470
47.	Mar	2025	67,563	4,070	44	-4,026	9,046	1,957	11,002	6,976
48.	Apr	2025	68,581	3,053	26	-3,026	9,046	1,468	10,513	7,487
End Of Year 4 of Loan
49.	May	2025	69,598	2,035	13	-2,022	9,046	978	10,024	8,002
50.	Jun	2025	70,616	1,018	4	-1,013	9,046	489	9,535	8,522
51.	Jul	2025	71,633	0	0	0	9,046	0	9,046	9,046	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'.
May	2021	-45,267	37,122	-8,145
Jun	2021	-44,469	36,633	-7,836
Jul	2021	-43,667	36,144	-7,524
Aug	2021	-42,861	34,750	-8,111
Sep	2021	-42,050	34,261	-7,789
Oct	2021	-41,235	33,772	-7,463
Nov	2021	-40,416	33,282	-7,133
Dec	2021	-39,592	32,793	-6,798
Jan	2022	-38,763	32,304	-6,459
Feb	2022	-37,930	31,815	-6,116
Mar	2022	-37,093	31,326	-5,768
Apr	2022	-36,252	30,837	-5,415
End Of Year 1 of Loan
May	2022	-35,406	30,347	-5,058
Jun	2022	-34,556	29,858	-4,697
Jul	2022	-33,701	29,369	-4,332
Aug	2022	-32,842	27,975	-4,866
Sep	2022	-31,978	27,486	-4,492
Oct	2022	-31,110	26,997	-4,113
Nov	2022	-30,238	26,508	-3,730
Dec	2022	-29,361	26,019	-3,342
Jan	2023	-28,480	25,530	-2,950
Feb	2023	-27,594	25,040	-2,554
Mar	2023	-26,704	24,551	-2,153
Apr	2023	-25,810	24,062	-1,748
End Of Year 2 of Loan
May	2023	-24,911	23,573	-1,338
Jun	2023	-24,008	23,084	-924
Jul	2023	-23,101	22,595	-506
Aug	2023	-22,189	21,201	-988
Sep	2023	-21,272	20,712	-561
Oct	2023	-20,352	20,223	-129
Nov	2023	-19,427	19,733	307
Dec	2023	-18,497	19,244	747
Jan	2024	-17,563	18,755	1,192
Feb	2024	-16,625	18,266	1,641
Mar	2024	-15,682	17,777	2,095
Apr	2024	-14,735	17,288	2,553
End Of Year 3 of Loan
May	2024	-13,783	16,798	3,015
Jun	2024	-12,827	16,309	3,482
Jul	2024	-11,867	15,820	3,953
Aug	2024	-10,902	14,426	3,524
Sep	2024	-9,933	13,937	4,004
Oct	2024	-8,960	13,448	4,488
Nov	2024	-7,982	12,959	4,977
Dec	2024	-6,999	12,470	5,470
Jan	2025	-6,013	11,981	5,968
Feb	2025	-5,022	11,491	6,470
Mar	2025	-4,026	11,002	6,976
Apr	2025	-3,026	10,513	7,487
End Of Year 4 of Loan
May	2025	-2,022	10,024	8,002
Jun	2025	-1,013	9,535	8,522
Jul	2025	0	9,046	9,046

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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