$115,000

Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
4 Nov 2016 (5 years, 7 months remaining)
Months
(5 years, 7 months )
%

$25,066 Information
Based on this OMV and registration date, this car is eligible for minimum 30% down payment.
$55,201
PARF Car  (min PARF 50% of ARF)

Results

Financial Commitment

Car Price
$115,000
Monthly Installment
$1,201.20 /month for 5 years, 7 months (67 months) Information

Upfront Payment

Transfer Fee
$25
Down Payment
$34,500 (30% of Car Price)
1st Installment
$1,201.20
Total Upfront Payment
$35,726.20

Loan Details

Total Loan
$80,500 Information
Total Interest
$11,480 Information
Total Sum Paid
$91,980 at the end of 5 years, 7 months (67 months)

Other Car Financial Details

COE
$55,201 Information
ARF Paid
$27,092 Information
PARF Rebate
You get back $13,546 at the end of 10th year (PARF Rebate) Information
Annual Depreciation
$18,475 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'.
Jun 2021 -68,136 49,160 -18,976
Jul 2021 -67,268 48,700 -18,568
Aug 2021 -66,394 48,240 -18,154
Sep 2021 -65,516 47,780 -17,736
Oct 2021 -64,632 47,320 -17,312
Nov 2021 -63,743 46,860 -16,883
Dec 2021 -62,849 46,400 -16,449
Jan 2022 -61,951 44,687 -17,264
Feb 2022 -61,047 44,227 -16,820
Mar 2022 -60,138 43,767 -16,371
Apr 2022 -59,224 43,307 -15,917
May 2022 -58,305 42,847 -15,458
End Of Year 1 of Loan
Jun 2022 -57,381 42,387 -14,994
Jul 2022 -56,452 41,927 -14,525
Aug 2022 -55,518 41,467 -14,051
Sep 2022 -54,579 41,007 -13,572
Oct 2022 -53,634 40,547 -13,088
Nov 2022 -52,685 40,087 -12,599
Dec 2022 -51,731 39,627 -12,104
Jan 2023 -50,772 37,913 -12,858
Feb 2023 -49,807 37,453 -12,354
Mar 2023 -48,838 36,993 -11,845
Apr 2023 -47,864 36,533 -11,330
May 2023 -46,884 36,073 -10,811
End Of Year 2 of Loan
Jun 2023 -45,900 35,613 -10,286
Jul 2023 -44,910 35,153 -9,757
Aug 2023 -43,915 34,693 -9,222
Sep 2023 -42,916 34,233 -8,683
Oct 2023 -41,911 33,773 -8,138
Nov 2023 -40,902 33,313 -7,588
Dec 2023 -39,887 32,853 -7,034
Jan 2024 -38,867 31,140 -7,727
Feb 2024 -37,842 30,680 -7,162
Mar 2024 -36,812 30,220 -6,592
Apr 2024 -35,777 29,760 -6,018
May 2024 -34,738 29,300 -5,438
End Of Year 3 of Loan
Jun 2024 -33,693 28,840 -4,853
Jul 2024 -32,643 28,380 -4,263
Aug 2024 -31,588 27,920 -3,668
Sep 2024 -30,527 27,460 -3,068
Oct 2024 -29,462 27,000 -2,462
Nov 2024 -28,392 26,540 -1,852
Dec 2024 -27,317 26,080 -1,237
Jan 2025 -26,237 24,366 -1,870
Feb 2025 -25,151 23,906 -1,245
Mar 2025 -24,061 23,446 -615
Apr 2025 -22,966 22,986 21
May 2025 -21,865 22,526 661
End Of Year 4 of Loan
Jun 2025 -20,760 22,066 1,307
Jul 2025 -19,649 21,606 1,957
Aug 2025 -18,534 21,146 2,613
Sep 2025 -17,413 20,686 3,273
Oct 2025 -16,288 20,226 3,939
Nov 2025 -15,157 19,766 4,609
Dec 2025 -14,021 19,306 5,285
Jan 2026 -12,881 17,593 4,713
Feb 2026 -11,735 17,133 5,398
Mar 2026 -10,584 16,673 6,089
Apr 2026 -9,428 16,213 6,785
May 2026 -8,267 15,753 7,486
End Of Year 5 of Loan
Jun 2026 -7,101 15,293 8,192
Jul 2026 -5,930 14,833 8,903
Aug 2026 -4,754 14,373 9,619
Sep 2026 -3,573 13,913 10,340
Oct 2026 -2,387 13,453 11,066
Nov 2026 -1,196 12,993 11,797
Dec 2026 0 12,533 12,533
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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