Toyota Vios 1.5 J (A)

$14,800

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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

4 Jun 2009 (1 years, 9 months remaining)

Loan Term

Months

(1 years, 9 months )

Interest Rate

OMV:

$12,047 Information

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

COE:

$7,589

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: $14,800
Monthly Installment: $519.06 /month for 1 years, 9 months (21 months)

Upfront Payment

Transfer Fee: $25
Down Payment: $4,440 (30% of Car Price)
1st Installment: $519.06
Total Upfront Payment: $4,984.06

Loan Details

Total Loan: $10,360
Total Interest: $540
Total Sum Paid: $10,900 at the end of 1 years, 9 months (21 months)

Other Car Financial Details

COE: $7,589
ARF Paid: $12,047
PARF Rebate: You get back $6,024 at the end of 10th year (PARF Rebate)
Annual Depreciation: -

				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.	Apr	2021	4,959	10,381	491	-9,890	6,626	1,265	7,891	-1,999
2.	May	2021	5,478	9,862	444	-9,418	6,626	1,202	7,827	-1,590
3.	Jun	2021	5,997	9,343	400	-8,943	6,626	1,138	7,764	-1,179
4.	Jul	2021	6,516	8,824	358	-8,466	6,626	1,075	7,701	-765
5.	Aug	2021	7,035	8,305	318	-7,987	6,626	1,012	7,638	-349
6.	Sep	2021	7,554	7,786	281	-7,505	6,626	949	7,574	69	Break Even
7.	Oct	2021	8,073	7,267	246	-7,021	6,626	885	7,511	490
8.	Nov	2021	8,592	6,748	213	-6,535	6,626	822	7,448	913
9.	Dec	2021	9,112	6,229	182	-6,046	6,626	759	7,385	1,338
10.	Jan	2022	9,631	5,710	154	-5,555	6,024	696	6,719	1,164
11.	Feb	2022	10,150	5,191	129	-5,062	6,024	632	6,656	1,594
12.	Mar	2022	10,669	4,672	105	-4,566	6,024	569	6,593	2,026
End Of Year 1 of Loan
13.	Apr	2022	11,188	4,152	84	-4,068	6,024	506	6,529	2,461
14.	May	2022	11,707	3,633	65	-3,568	6,024	443	6,466	2,898
15.	Jun	2022	12,226	3,114	49	-3,065	6,024	379	6,403	3,338
16.	Jul	2022	12,745	2,595	35	-2,560	6,024	316	6,340	3,779
17.	Aug	2022	13,264	2,076	23	-2,053	6,024	253	6,276	4,224
18.	Sep	2022	13,783	1,557	14	-1,543	6,024	190	6,213	4,670
19.	Oct	2022	14,302	1,038	7	-1,031	6,024	126	6,150	5,119
20.	Nov	2022	14,821	519	2	-517	6,024	63	6,087	5,570
21.	Dec	2022	15,340	0	0	0	6,024	0	6,024	6,024	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'.
Apr	2021	-9,890	7,891	-1,999
May	2021	-9,418	7,827	-1,590
Jun	2021	-8,943	7,764	-1,179
Jul	2021	-8,466	7,701	-765
Aug	2021	-7,987	7,638	-349
Sep	2021	-7,505	7,574	69
Oct	2021	-7,021	7,511	490
Nov	2021	-6,535	7,448	913
Dec	2021	-6,046	7,385	1,338
Jan	2022	-5,555	6,719	1,164
Feb	2022	-5,062	6,656	1,594
Mar	2022	-4,566	6,593	2,026
End Of Year 1 of Loan
Apr	2022	-4,068	6,529	2,461
May	2022	-3,568	6,466	2,898
Jun	2022	-3,065	6,403	3,338
Jul	2022	-2,560	6,340	3,779
Aug	2022	-2,053	6,276	4,224
Sep	2022	-1,543	6,213	4,670
Oct	2022	-1,031	6,150	5,119
Nov	2022	-517	6,087	5,570
Dec	2022	0	6,024	6,024

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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