$135,500

Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
26 Sep 2016 (6 years, 5 months remaining)
Months
(6 years, 5 months )
%

$29,796 Information
Based on this OMV and registration date, this car is eligible for minimum 30% down payment.
$57,002
PARF Car  (min PARF 50% of ARF)

Results

Financial Commitment

Car Price
$135,500
Monthly Installment
$1,257.74 /month for 6 years, 5 months (77 months) Information

Upfront Payment

Transfer Fee
$25
Down Payment
$40,650 (30% of Car Price)
1st Installment
$1,257.74
Total Upfront Payment
$41,932.74

Loan Details

Total Loan
$94,850 Information
Total Interest
$15,546 Information
Total Sum Paid
$110,396 at the end of 6 years, 5 months (77 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
$18,728 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'.
Jun 2020 -80,441 58,448 -21,993
Jul 2020 -79,577 57,973 -21,603
Aug 2020 -78,707 57,498 -21,209
Sep 2020 -77,832 57,023 -20,809
Oct 2020 -76,953 56,548 -20,404
Nov 2020 -76,068 56,073 -19,994
Dec 2020 -75,177 55,598 -19,579
Jan 2021 -74,282 55,123 -19,159
Feb 2021 -73,382 54,648 -18,733
Mar 2021 -72,476 54,173 -18,303
Apr 2021 -71,565 53,698 -17,867
May 2021 -70,649 53,223 -17,426
End Of Year 1 of Loan
Jun 2021 -69,728 52,748 -16,980
Jul 2021 -68,801 52,273 -16,528
Aug 2021 -67,870 51,798 -16,072
Sep 2021 -66,933 51,323 -15,610
Oct 2021 -65,991 50,848 -15,143
Nov 2021 -65,044 48,883 -16,160
Dec 2021 -64,091 48,408 -15,683
Jan 2022 -63,134 47,933 -15,201
Feb 2022 -62,171 47,458 -14,713
Mar 2022 -61,203 46,983 -14,220
Apr 2022 -60,230 46,508 -13,722
May 2022 -59,252 46,033 -13,219
End Of Year 2 of Loan
Jun 2022 -58,269 45,558 -12,711
Jul 2022 -57,280 45,083 -12,197
Aug 2022 -56,287 44,608 -11,679
Sep 2022 -55,288 44,133 -11,155
Oct 2022 -54,284 43,658 -10,626
Nov 2022 -53,274 41,693 -11,581
Dec 2022 -52,260 41,218 -11,042
Jan 2023 -51,240 40,743 -10,497
Feb 2023 -50,215 40,268 -9,947
Mar 2023 -49,186 39,793 -9,392
Apr 2023 -48,150 39,318 -8,832
May 2023 -47,110 38,843 -8,267
End Of Year 3 of Loan
Jun 2023 -46,065 38,368 -7,697
Jul 2023 -45,014 37,893 -7,121
Aug 2023 -43,958 37,418 -6,540
Sep 2023 -42,897 36,943 -5,954
Oct 2023 -41,831 36,468 -5,363
Nov 2023 -40,759 34,503 -6,256
Dec 2023 -39,683 34,028 -5,655
Jan 2024 -38,601 33,553 -5,048
Feb 2024 -37,514 33,078 -4,436
Mar 2024 -36,422 32,603 -3,819
Apr 2024 -35,325 32,128 -3,197
May 2024 -34,223 31,653 -2,569
End Of Year 4 of Loan
Jun 2024 -33,115 31,178 -1,937
Jul 2024 -32,002 30,703 -1,299
Aug 2024 -30,884 30,228 -656
Sep 2024 -29,761 29,753 -8
Oct 2024 -28,633 29,278 645
Nov 2024 -27,499 27,313 -186
Dec 2024 -26,361 26,838 478
Jan 2025 -25,217 26,363 1,146
Feb 2025 -24,068 25,888 1,820
Mar 2025 -22,913 25,413 2,500
Apr 2025 -21,754 24,938 3,184
May 2025 -20,590 24,463 3,874
End Of Year 5 of Loan
Jun 2025 -19,420 23,988 4,568
Jul 2025 -18,245 23,513 5,268
Aug 2025 -17,065 23,038 5,973
Sep 2025 -15,880 22,563 6,683
Oct 2025 -14,689 22,088 7,399
Nov 2025 -13,493 20,123 6,630
Dec 2025 -12,293 19,648 7,355
Jan 2026 -11,087 19,173 8,086
Feb 2026 -9,876 18,698 8,823
Mar 2026 -8,659 18,223 9,564
Apr 2026 -7,438 17,748 10,310
May 2026 -6,211 17,273 11,062
End Of Year 6 of Loan
Jun 2026 -4,979 16,798 11,819
Jul 2026 -3,742 16,323 12,581
Aug 2026 -2,500 15,848 13,348
Sep 2026 -1,253 15,373 14,120
Oct 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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