$139,800

Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
23 Jun 2016 (6 years, 9 months remaining)
Months
(6 years, 9 months )
%

$35,465 Information
Based on this OMV and registration date, this car is eligible for minimum 40% down payment.
$49,602
PARF Car  (min PARF 50% of ARF)

Results

Financial Commitment

Car Price
$139,800
Monthly Installment
$1,243.86 /month for 6 years, 9 months (81 months) Information

Upfront Payment

Transfer Fee
$25
Down Payment
$55,920 (40% of Car Price)
1st Installment
$1,243.86
Total Upfront Payment
$57,188.86

Loan Details

Total Loan
$83,880 Information
Total Interest
$16,872 Information
Total Sum Paid
$100,752 at the end of 6 years, 9 months (81 months)

Other Car Financial Details

COE
$49,602 Information
ARF Paid
$41,651 Information
PARF Rebate
You get back $20,826 at the end of 10th year (PARF Rebate) Information
Annual Depreciation
$17,825 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'.
Nov 2019 -83,048 59,667 -23,381
Dec 2019 -82,210 59,253 -22,957
Jan 2020 -81,368 58,840 -22,528
Feb 2020 -80,520 58,427 -22,093
Mar 2020 -79,668 58,013 -21,654
Apr 2020 -78,810 57,600 -21,210
May 2020 -77,947 57,187 -20,760
Jun 2020 -77,079 56,773 -20,306
Jul 2020 -76,206 56,360 -19,846
Aug 2020 -75,328 55,947 -19,381
Sep 2020 -74,445 55,533 -18,912
Oct 2020 -73,557 55,120 -18,437
End Of Year 1 of Loan
Nov 2020 -72,663 54,707 -17,957
Dec 2020 -71,765 54,293 -17,472
Jan 2021 -70,862 53,880 -16,982
Feb 2021 -69,953 53,467 -16,486
Mar 2021 -69,039 53,053 -15,986
Apr 2021 -68,121 52,640 -15,481
May 2021 -67,197 52,226 -14,970
Jun 2021 -66,268 51,813 -14,455
Jul 2021 -65,334 51,400 -13,934
Aug 2021 -64,395 49,213 -15,182
Sep 2021 -63,451 48,800 -14,651
Oct 2021 -62,502 48,386 -14,115
End Of Year 2 of Loan
Nov 2021 -61,547 47,973 -13,574
Dec 2021 -60,588 47,560 -13,028
Jan 2022 -59,624 47,146 -12,477
Feb 2022 -58,654 46,733 -11,921
Mar 2022 -57,680 46,320 -11,360
Apr 2022 -56,700 45,906 -10,794
May 2022 -55,715 45,493 -10,222
Jun 2022 -54,725 45,080 -9,646
Jul 2022 -53,730 44,666 -9,064
Aug 2022 -52,730 42,480 -10,251
Sep 2022 -51,725 42,066 -9,659
Oct 2022 -50,715 41,653 -9,062
End Of Year 3 of Loan
Nov 2022 -49,700 41,240 -8,460
Dec 2022 -48,680 40,826 -7,853
Jan 2023 -47,654 40,413 -7,241
Feb 2023 -46,624 40,000 -6,624
Mar 2023 -45,588 39,586 -6,002
Apr 2023 -44,548 39,173 -5,375
May 2023 -43,502 38,760 -4,742
Jun 2023 -42,451 38,346 -4,105
Jul 2023 -41,395 37,933 -3,462
Aug 2023 -40,334 35,746 -4,588
Sep 2023 -39,268 35,333 -3,935
Oct 2023 -38,197 34,920 -3,278
End Of Year 4 of Loan
Nov 2023 -37,121 34,506 -2,615
Dec 2023 -36,040 34,093 -1,947
Jan 2024 -34,953 33,680 -1,274
Feb 2024 -33,862 33,266 -596
Mar 2024 -32,765 32,853 87
Apr 2024 -31,664 32,439 776
May 2024 -30,557 32,026 1,469
Jun 2024 -29,445 31,613 2,167
Jul 2024 -28,328 31,199 2,871
Aug 2024 -27,206 29,013 1,806
Sep 2024 -26,079 28,599 2,520
Oct 2024 -24,947 28,186 3,239
End Of Year 5 of Loan
Nov 2024 -23,810 27,773 3,963
Dec 2024 -22,668 27,359 4,691
Jan 2025 -21,521 26,946 5,425
Feb 2025 -20,368 26,533 6,164
Mar 2025 -19,211 26,119 6,909
Apr 2025 -18,048 25,706 7,658
May 2025 -16,881 25,293 8,412
Jun 2025 -15,708 24,879 9,171
Jul 2025 -14,530 24,466 9,936
Aug 2025 -13,347 22,279 8,932
Sep 2025 -12,159 21,866 9,707
Oct 2025 -10,966 21,453 10,487
End Of Year 6 of Loan
Nov 2025 -9,768 21,039 11,271
Dec 2025 -8,565 20,626 12,061
Jan 2026 -7,356 20,213 12,856
Feb 2026 -6,143 19,799 13,656
Mar 2026 -4,925 19,386 14,461
Apr 2026 -3,701 18,973 15,271
May 2026 -2,472 18,559 16,087
Jun 2026 -1,239 18,146 16,907
Jul 2026 0 17,733 17,733
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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