$119,800

Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
24 Oct 2016 (5 years, 3 months remaining)
Months
(5 years, 3 months )
%

$24,478 Information
Based on this OMV and registration date, this car is eligible for minimum 30% down payment.
$50,991
PARF Car  (min PARF 50% of ARF)

Results

Financial Commitment

Car Price
$119,800
Monthly Installment
$1,319.45 /month for 5 years, 3 months (63 months) Information

Upfront Payment

Transfer Fee
$25
Down Payment
$35,940 (30% of Car Price)
1st Installment
$1,319.45
Total Upfront Payment
$37,284.45

Loan Details

Total Loan
$83,860 Information
Total Interest
$11,246 Information
Total Sum Paid
$95,106 at the end of 5 years, 3 months (63 months)

Other Car Financial Details

COE
$50,991 Information
ARF Paid
$26,269 Information
PARF Rebate
You get back $13,135 at the end of 10th year (PARF Rebate) Information
Annual Depreciation
$20,313 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 2021 -70,912 44,704 -26,208
Sep 2021 -69,938 44,279 -25,659
Oct 2021 -68,959 43,854 -25,105
Nov 2021 -67,974 42,205 -25,769
Dec 2021 -66,984 41,780 -25,204
Jan 2022 -65,988 41,355 -24,633
Feb 2022 -64,987 40,930 -24,056
Mar 2022 -63,980 40,505 -23,474
Apr 2022 -62,967 40,081 -22,886
May 2022 -61,949 39,656 -22,293
Jun 2022 -60,925 39,231 -21,694
Jul 2022 -59,895 38,806 -21,090
End Of Year 1 of Loan
Aug 2022 -58,861 38,381 -20,480
Sep 2022 -57,820 37,956 -19,864
Oct 2022 -56,774 37,531 -19,243
Nov 2022 -55,722 35,882 -19,840
Dec 2022 -54,665 35,457 -19,208
Jan 2023 -53,602 35,032 -18,570
Feb 2023 -52,534 34,607 -17,926
Mar 2023 -51,460 34,182 -17,277
Apr 2023 -50,380 33,758 -16,622
May 2023 -49,295 33,333 -15,962
Jun 2023 -48,204 32,908 -15,296
Jul 2023 -47,108 32,483 -14,625
End Of Year 2 of Loan
Aug 2023 -46,006 32,058 -13,948
Sep 2023 -44,898 31,633 -13,265
Oct 2023 -43,785 31,208 -12,577
Nov 2023 -42,667 29,559 -13,107
Dec 2023 -41,542 29,134 -12,408
Jan 2024 -40,413 28,709 -11,703
Feb 2024 -39,277 28,284 -10,993
Mar 2024 -38,136 27,859 -10,277
Apr 2024 -36,990 27,435 -9,555
May 2024 -35,838 27,010 -8,828
Jun 2024 -34,680 26,585 -8,095
Jul 2024 -33,517 26,160 -7,357
End Of Year 3 of Loan
Aug 2024 -32,348 25,735 -6,613
Sep 2024 -31,173 25,310 -5,864
Oct 2024 -29,993 24,885 -5,108
Nov 2024 -28,808 23,236 -5,572
Dec 2024 -27,617 22,811 -4,805
Jan 2025 -26,420 22,386 -4,034
Feb 2025 -25,218 21,961 -3,256
Mar 2025 -24,010 21,536 -2,473
Apr 2025 -22,796 21,112 -1,685
May 2025 -21,577 20,687 -891
Jun 2025 -20,353 20,262 -91
Jul 2025 -19,122 19,837 714
End Of Year 4 of Loan
Aug 2025 -17,887 19,412 1,525
Sep 2025 -16,645 18,987 2,342
Oct 2025 -15,398 18,562 3,164
Nov 2025 -14,146 16,913 2,767
Dec 2025 -12,888 16,488 3,601
Jan 2026 -11,624 16,063 4,439
Feb 2026 -10,355 15,638 5,284
Mar 2026 -9,080 15,213 6,133
Apr 2026 -7,800 14,789 6,989
May 2026 -6,514 14,364 7,850
Jun 2026 -5,222 13,939 8,717
Jul 2026 -3,925 13,514 9,589
End Of Year 5 of Loan
Aug 2026 -2,622 13,089 10,467
Sep 2026 -1,314 12,664 11,350
Oct 2026 0 12,239 12,239
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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