$128,800

Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
1 Jul 2016 (5 years remaining)
Months
(5 years)
%

$34,011 Information
Based on this OMV and registration date, this car is eligible for minimum 30% down payment.
$56,000
PARF Car  (min PARF 50% of ARF)

Results

Financial Commitment

Car Price
$128,800
Monthly Installment
$1,479.91 /month for 5 years (60 months) Information

Upfront Payment

Transfer Fee
$25
Down Payment
$38,640 (30% of Car Price)
1st Installment
$1,479.91
Total Upfront Payment
$40,144.91

Loan Details

Total Loan
$90,160 Information
Total Interest
$11,515 Information
Total Sum Paid
$101,675 at the end of 5 years (60 months)

Other Car Financial Details

COE
$56,000 Information
ARF Paid
$39,615 Information
PARF Rebate
You get back $19,808 at the end of 10th year (PARF Rebate) Information
Annual Depreciation
$21,667 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'.
Jul 2021 -76,178 51,341 -24,837
Aug 2021 -75,069 50,874 -24,195
Sep 2021 -73,954 50,408 -23,546
Oct 2021 -72,833 49,941 -22,892
Nov 2021 -71,705 49,474 -22,231
Dec 2021 -70,571 49,008 -21,564
Jan 2022 -69,431 48,541 -20,890
Feb 2022 -68,285 48,074 -20,210
Mar 2022 -67,132 47,608 -19,524
Apr 2022 -65,973 47,141 -18,832
May 2022 -64,808 46,674 -18,133
Jun 2022 -63,636 46,208 -17,428
End Of Year 1 of Loan
Jul 2022 -62,458 44,040 -18,418
Aug 2022 -61,274 43,574 -17,700
Sep 2022 -60,084 43,107 -16,976
Oct 2022 -58,887 42,640 -16,246
Nov 2022 -57,684 42,174 -15,510
Dec 2022 -56,474 41,707 -14,767
Jan 2023 -55,259 41,240 -14,018
Feb 2023 -54,037 40,774 -13,263
Mar 2023 -52,809 40,307 -12,502
Apr 2023 -51,574 39,840 -11,734
May 2023 -50,333 39,374 -10,960
Jun 2023 -49,086 38,907 -10,179
End Of Year 2 of Loan
Jul 2023 -47,833 36,740 -11,093
Aug 2023 -46,573 36,273 -10,300
Sep 2023 -45,307 35,807 -9,501
Oct 2023 -44,035 35,340 -8,695
Nov 2023 -42,756 34,873 -7,883
Dec 2023 -41,471 34,407 -7,065
Jan 2024 -40,180 33,940 -6,240
Feb 2024 -38,883 33,473 -5,410
Mar 2024 -37,579 33,007 -4,573
Apr 2024 -36,269 32,540 -3,729
May 2024 -34,953 32,073 -2,880
Jun 2024 -33,630 31,607 -2,024
End Of Year 3 of Loan
Jul 2024 -32,301 29,439 -2,862
Aug 2024 -30,966 28,973 -1,993
Sep 2024 -29,625 28,506 -1,119
Oct 2024 -28,277 28,039 -237
Nov 2024 -26,923 27,573 650
Dec 2024 -25,562 27,106 1,544
Jan 2025 -24,196 26,639 2,444
Feb 2025 -22,823 26,173 3,350
Mar 2025 -21,444 25,706 4,262
Apr 2025 -20,058 25,239 5,181
May 2025 -18,666 24,773 6,106
Jun 2025 -17,268 24,306 7,038
End Of Year 4 of Loan
Jul 2025 -15,864 22,139 6,275
Aug 2025 -14,453 21,672 7,219
Sep 2025 -13,036 21,206 8,169
Oct 2025 -11,613 20,739 9,126
Nov 2025 -10,183 20,272 10,089
Dec 2025 -8,747 19,806 11,058
Jan 2026 -7,305 19,339 12,034
Feb 2026 -5,857 18,872 13,015
Mar 2026 -4,402 18,406 14,004
Apr 2026 -2,941 17,939 14,998
May 2026 -1,474 17,472 15,999
Jun 2026 0 17,006 17,006
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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