Volkswagen Golf Match 1.4 TSI (A)

$52,800

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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

27 Jul 2012 (1 years, 6 months remaining)

Loan Term

Months

(1 years, 6 months )

Interest Rate

OMV:

$23,050 Information

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

COE:

$59,421

Car Category:

PARF Car For car registered between March 2008 to February 2013, the minimum PARF rebate is at 50% of OMV.

(min PARF 50% of OMV)

Results

Financial Commitment

Car Price: $52,800
Monthly Installment: $1,838.67 /month for 1 years, 6 months (18 months)

Upfront Payment

Transfer Fee: $25
Down Payment: $15,840 (30% of Car Price)
1st Installment: $1,838.67
Total Upfront Payment: $17,703.67

Loan Details

Total Loan: $36,960
Total Interest: $1,416
Total Sum Paid: $38,376 at the end of 1 years, 6 months (18 months)

Other Car Financial Details

COE: $59,421
ARF Paid: $23,050
PARF Rebate: You get back $11,525 at the end of 10th year (PARF Rebate)
Annual Depreciation: $27,473

				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.	Feb	2021	17,679	31,257	1,267	-29,990	12,678	8,418	21,095	-8,895
2.	Mar	2021	19,517	29,419	1,126	-28,293	12,678	7,923	20,600	-7,692
3.	Apr	2021	21,356	27,580	994	-26,586	12,678	7,428	20,105	-6,481
4.	May	2021	23,195	25,741	870	-24,872	12,678	6,932	19,610	-5,262
5.	Jun	2021	25,033	23,903	754	-23,149	12,678	6,437	19,115	-4,034
6.	Jul	2021	26,872	22,064	646	-21,418	12,678	5,942	18,620	-2,799
7.	Aug	2021	28,711	20,225	547	-19,679	11,525	5,447	16,972	-2,707
8.	Sep	2021	30,549	18,387	455	-17,931	11,525	4,952	16,477	-1,455
9.	Oct	2021	32,388	16,548	373	-16,175	11,525	4,457	15,982	-194
10.	Nov	2021	34,227	14,709	298	-14,411	11,525	3,961	15,486	1,075	Break Even
11.	Dec	2021	36,065	12,871	232	-12,639	11,525	3,466	14,991	2,352
12.	Jan	2022	37,904	11,032	174	-10,858	11,525	2,971	14,496	3,638
End Of Year 1 of Loan
13.	Feb	2022	39,743	9,193	124	-9,069	11,525	2,476	14,001	4,932
14.	Mar	2022	41,581	7,355	83	-7,272	11,525	1,981	13,506	6,234
15.	Apr	2022	43,420	5,516	50	-5,466	11,525	1,486	13,011	7,544
16.	May	2022	45,259	3,677	25	-3,653	11,525	990	12,515	8,863
17.	Jun	2022	47,097	1,839	8	-1,830	11,525	495	12,020	10,190
18.	Jul	2022	48,936	0	0	0	11,525	0	11,525	11,525	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'.
Feb	2021	-29,990	21,095	-8,895
Mar	2021	-28,293	20,600	-7,692
Apr	2021	-26,586	20,105	-6,481
May	2021	-24,872	19,610	-5,262
Jun	2021	-23,149	19,115	-4,034
Jul	2021	-21,418	18,620	-2,799
Aug	2021	-19,679	16,972	-2,707
Sep	2021	-17,931	16,477	-1,455
Oct	2021	-16,175	15,982	-194
Nov	2021	-14,411	15,486	1,075
Dec	2021	-12,639	14,991	2,352
Jan	2022	-10,858	14,496	3,638
End Of Year 1 of Loan
Feb	2022	-9,069	14,001	4,932
Mar	2022	-7,272	13,506	6,234
Apr	2022	-5,466	13,011	7,544
May	2022	-3,653	12,515	8,863
Jun	2022	-1,830	12,020	10,190
Jul	2022	0	11,525	11,525

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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