$135,500

Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
26 Sep 2016 (7 years remaining)
Months
(7 years)
%

$29,796 Information
Based on this OMV and registration date, this car is eligible for minimum 40% down payment.
$57,002
PARF Car  (min PARF 50% of ARF)

Results

Financial Commitment

Car Price
$135,500
Monthly Installment
$1,169.75 /month for 7 years (84 months) Information

Upfront Payment

Transfer Fee
$25
Down Payment
$54,200 (40% of Car Price)
1st Installment
$1,169.75
Total Upfront Payment
$55,394.75

Loan Details

Total Loan
$81,300 Information
Total Interest
$16,959 Information
Total Sum Paid
$98,259 at the end of 7 years (84 months)

Other Car Financial Details

COE
$57,002 Information
ARF Paid
$33,714 Information
PARF Rebate
You get back $16,857 at the end of 10th year (PARF Rebate) Information
Annual Depreciation
$16,905 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'.
Oct 2019 -80,529 61,773 -18,756
Nov 2019 -79,754 61,298 -18,455
Dec 2019 -78,974 60,823 -18,150
Jan 2020 -78,189 60,348 -17,840
Feb 2020 -77,399 59,873 -17,526
Mar 2020 -76,604 59,398 -17,206
Apr 2020 -75,805 58,923 -16,882
May 2020 -75,001 58,448 -16,553
Jun 2020 -74,193 57,973 -16,219
Jul 2020 -73,379 57,498 -15,881
Aug 2020 -72,561 57,023 -15,538
Sep 2020 -71,738 56,548 -15,190
End Of Year 1 of Loan
Oct 2020 -70,910 56,073 -14,837
Nov 2020 -70,078 55,598 -14,480
Dec 2020 -69,241 55,123 -14,117
Jan 2021 -68,399 54,648 -13,750
Feb 2021 -67,552 54,173 -13,379
Mar 2021 -66,700 53,698 -13,002
Apr 2021 -65,844 53,223 -12,621
May 2021 -64,983 52,748 -12,235
Jun 2021 -64,117 52,273 -11,844
Jul 2021 -63,247 51,798 -11,449
Aug 2021 -62,372 51,323 -11,049
Sep 2021 -61,492 50,848 -10,644
End Of Year 2 of Loan
Oct 2021 -60,607 48,883 -11,724
Nov 2021 -59,718 48,408 -11,309
Dec 2021 -58,823 47,933 -10,890
Jan 2022 -57,924 47,458 -10,466
Feb 2022 -57,021 46,983 -10,038
Mar 2022 -56,112 46,508 -9,604
Apr 2022 -55,199 46,033 -9,166
May 2022 -54,281 45,558 -8,723
Jun 2022 -53,358 45,083 -8,275
Jul 2022 -52,431 44,608 -7,823
Aug 2022 -51,499 44,133 -7,366
Sep 2022 -50,562 43,658 -6,904
End Of Year 3 of Loan
Oct 2022 -49,620 41,693 -7,927
Nov 2022 -48,673 41,218 -7,455
Dec 2022 -47,722 40,743 -6,979
Jan 2023 -46,766 40,268 -6,498
Feb 2023 -45,805 39,793 -6,012
Mar 2023 -44,840 39,318 -5,522
Apr 2023 -43,870 38,843 -5,027
May 2023 -42,895 38,368 -4,527
Jun 2023 -41,915 37,893 -4,022
Jul 2023 -40,930 37,418 -3,512
Aug 2023 -39,941 36,943 -2,998
Sep 2023 -38,947 36,468 -2,479
End Of Year 4 of Loan
Oct 2023 -37,949 34,503 -3,445
Nov 2023 -36,945 34,028 -2,917
Dec 2023 -35,937 33,553 -2,384
Jan 2024 -34,924 33,078 -1,846
Feb 2024 -33,906 32,603 -1,303
Mar 2024 -32,884 32,128 -755
Apr 2024 -31,856 31,653 -203
May 2024 -30,824 31,178 354
Jun 2024 -29,788 30,703 915
Jul 2024 -28,746 30,228 1,482
Aug 2024 -27,700 29,753 2,053
Sep 2024 -26,649 29,278 2,629
End Of Year 5 of Loan
Oct 2024 -25,593 27,313 1,720
Nov 2024 -24,533 26,838 2,305
Dec 2024 -23,467 26,363 2,896
Jan 2025 -22,397 25,888 3,491
Feb 2025 -21,323 25,413 4,090
Mar 2025 -20,243 24,938 4,695
Apr 2025 -19,159 24,463 5,304
May 2025 -18,070 23,988 5,918
Jun 2025 -16,976 23,513 6,537
Jul 2025 -15,878 23,038 7,160
Aug 2025 -14,774 22,563 7,789
Sep 2025 -13,666 22,088 8,422
End Of Year 6 of Loan
Oct 2025 -12,554 20,123 7,569
Nov 2025 -11,436 19,648 8,212
Dec 2025 -10,314 19,173 8,859
Jan 2026 -9,187 18,698 9,511
Feb 2026 -8,055 18,223 10,168
Mar 2026 -6,919 17,748 10,829
Apr 2026 -5,778 17,273 11,496
May 2026 -4,632 16,798 12,167
Jun 2026 -3,481 16,323 12,842
Jul 2026 -2,325 15,848 13,523
Aug 2026 -1,165 15,373 14,208
Sep 2026 0 14,898 14,898
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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