$135,500

Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
26 Sep 2016 (7 years, 3 months 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
$16,509 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'.
Aug 2019 -80,529 63,198 -17,331
Sep 2019 -79,754 62,723 -17,030
Oct 2019 -78,974 62,248 -16,725
Nov 2019 -78,189 61,773 -16,415
Dec 2019 -77,399 61,298 -16,101
Jan 2020 -76,604 60,823 -15,781
Feb 2020 -75,805 60,348 -15,457
Mar 2020 -75,001 59,873 -15,128
Apr 2020 -74,193 59,398 -14,794
May 2020 -73,379 58,923 -14,456
Jun 2020 -72,561 58,448 -14,113
Jul 2020 -71,738 57,973 -13,765
End Of Year 1 of Loan
Aug 2020 -70,910 57,498 -13,412
Sep 2020 -70,078 57,023 -13,055
Oct 2020 -69,241 56,548 -12,692
Nov 2020 -68,399 56,073 -12,325
Dec 2020 -67,552 55,598 -11,954
Jan 2021 -66,700 55,123 -11,577
Feb 2021 -65,844 54,648 -11,196
Mar 2021 -64,983 54,173 -10,810
Apr 2021 -64,117 53,698 -10,419
May 2021 -63,247 53,223 -10,024
Jun 2021 -62,372 52,748 -9,624
Jul 2021 -61,492 52,273 -9,219
End Of Year 2 of Loan
Aug 2021 -60,607 51,798 -8,809
Sep 2021 -59,718 51,323 -8,395
Oct 2021 -58,823 50,848 -7,975
Nov 2021 -57,924 48,883 -9,041
Dec 2021 -57,021 48,408 -8,612
Jan 2022 -56,112 47,933 -8,179
Feb 2022 -55,199 47,458 -7,741
Mar 2022 -54,281 46,983 -7,298
Apr 2022 -53,358 46,508 -6,850
May 2022 -52,431 46,033 -6,398
Jun 2022 -51,499 45,558 -5,940
Jul 2022 -50,562 45,083 -5,478
End Of Year 3 of Loan
Aug 2022 -49,620 44,608 -5,012
Sep 2022 -48,673 44,133 -4,540
Oct 2022 -47,722 43,658 -4,064
Nov 2022 -46,766 41,693 -5,073
Dec 2022 -45,805 41,218 -4,587
Jan 2023 -44,840 40,743 -4,097
Feb 2023 -43,870 40,268 -3,602
Mar 2023 -42,895 39,793 -3,102
Apr 2023 -41,915 39,318 -2,597
May 2023 -40,930 38,843 -2,087
Jun 2023 -39,941 38,368 -1,573
Jul 2023 -38,947 37,893 -1,054
End Of Year 4 of Loan
Aug 2023 -37,949 37,418 -530
Sep 2023 -36,945 36,943 -2
Oct 2023 -35,937 36,468 531
Nov 2023 -34,924 34,503 -421
Dec 2023 -33,906 34,028 122
Jan 2024 -32,884 33,553 670
Feb 2024 -31,856 33,078 1,222
Mar 2024 -30,824 32,603 1,779
Apr 2024 -29,788 32,128 2,340
May 2024 -28,746 31,653 2,907
Jun 2024 -27,700 31,178 3,478
Jul 2024 -26,649 30,703 4,054
End Of Year 5 of Loan
Aug 2024 -25,593 30,228 4,635
Sep 2024 -24,533 29,753 5,220
Oct 2024 -23,467 29,278 5,811
Nov 2024 -22,397 27,313 4,916
Dec 2024 -21,323 26,838 5,515
Jan 2025 -20,243 26,363 6,120
Feb 2025 -19,159 25,888 6,729
Mar 2025 -18,070 25,413 7,343
Apr 2025 -16,976 24,938 7,962
May 2025 -15,878 24,463 8,585
Jun 2025 -14,774 23,988 9,214
Jul 2025 -13,666 23,513 9,847
End Of Year 6 of Loan
Aug 2025 -12,554 23,038 10,484
Sep 2025 -11,436 22,563 11,127
Oct 2025 -10,314 22,088 11,774
Nov 2025 -9,187 20,123 10,936
Dec 2025 -8,055 19,648 11,593
Jan 2026 -6,919 19,173 12,254
Feb 2026 -5,778 18,698 12,921
Mar 2026 -4,632 18,223 13,592
Apr 2026 -3,481 17,748 14,267
May 2026 -2,325 17,273 14,948
Jun 2026 -1,165 16,798 15,633
Jul 2026 0 16,323 16,323
Aug 2026 0 15,848 15,848
Sep 2026 0 15,373 15,373
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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