$129,000

Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
24 Apr 2017 (6 years, 2 months remaining)
Months
(6 years, 2 months )
%

$28,815 Information
Based on this OMV and registration date, this car is eligible for minimum 30% down payment.
$52,668
PARF Car  (min PARF 50% of ARF)

Results

Financial Commitment

Car Price
$129,000
Monthly Installment
$1,238.16 /month for 6 years, 2 months (74 months) Information

Upfront Payment

Transfer Fee
$25
Down Payment
$38,700 (30% of Car Price)
1st Installment
$1,238.16
Total Upfront Payment
$39,963.16

Loan Details

Total Loan
$90,300 Information
Total Interest
$14,224 Information
Total Sum Paid
$104,524 at the end of 6 years, 2 months (74 months)

Other Car Financial Details

COE
$52,668 Information
ARF Paid
$32,341 Information
PARF Rebate
You get back $16,171 at the end of 10th year (PARF Rebate) Information
Annual Depreciation
$18,366 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'.
Apr 2021 -76,541 53,651 -22,890
May 2021 -75,677 53,212 -22,465
Jun 2021 -74,808 52,773 -22,035
Jul 2021 -73,934 52,334 -21,600
Aug 2021 -73,054 51,895 -21,159
Sep 2021 -72,170 51,456 -20,713
Oct 2021 -71,280 51,018 -20,263
Nov 2021 -70,386 50,579 -19,807
Dec 2021 -69,486 50,140 -19,346
Jan 2022 -68,581 49,701 -18,880
Feb 2022 -67,671 49,262 -18,409
Mar 2022 -66,755 48,823 -17,932
End Of Year 1 of Loan
Apr 2022 -65,835 48,384 -17,451
May 2022 -64,910 47,945 -16,964
Jun 2022 -63,979 46,066 -17,913
Jul 2022 -63,043 45,627 -17,416
Aug 2022 -62,102 45,188 -16,914
Sep 2022 -61,156 44,749 -16,407
Oct 2022 -60,205 44,310 -15,895
Nov 2022 -59,249 43,871 -15,378
Dec 2022 -58,288 43,432 -14,855
Jan 2023 -57,321 42,993 -14,328
Feb 2023 -56,349 42,554 -13,795
Mar 2023 -55,373 42,116 -13,257
End Of Year 2 of Loan
Apr 2023 -54,391 41,677 -12,714
May 2023 -53,404 41,238 -12,166
Jun 2023 -52,412 39,358 -13,054
Jul 2023 -51,414 38,919 -12,495
Aug 2023 -50,412 38,480 -11,932
Sep 2023 -49,405 38,041 -11,363
Oct 2023 -48,392 37,602 -10,789
Nov 2023 -47,374 37,164 -10,211
Dec 2023 -46,351 36,725 -9,627
Jan 2024 -45,323 36,286 -9,037
Feb 2024 -44,290 35,847 -8,443
Mar 2024 -43,252 35,408 -7,844
End Of Year 3 of Loan
Apr 2024 -42,208 34,969 -7,239
May 2024 -41,160 34,530 -6,630
Jun 2024 -40,106 32,651 -7,456
Jul 2024 -39,048 32,212 -6,836
Aug 2024 -37,984 31,773 -6,211
Sep 2024 -36,915 31,334 -5,581
Oct 2024 -35,841 30,895 -4,946
Nov 2024 -34,761 30,456 -4,305
Dec 2024 -33,677 30,017 -3,660
Jan 2025 -32,587 29,578 -3,009
Feb 2025 -31,493 29,139 -2,353
Mar 2025 -30,393 28,700 -1,693
End Of Year 4 of Loan
Apr 2025 -29,288 28,262 -1,027
May 2025 -28,178 27,823 -355
Jun 2025 -27,063 25,943 -1,120
Jul 2025 -25,943 25,504 -439
Aug 2025 -24,817 25,065 248
Sep 2025 -23,687 24,626 940
Oct 2025 -22,551 24,187 1,636
Nov 2025 -21,410 23,748 2,338
Dec 2025 -20,264 23,310 3,045
Jan 2026 -19,113 22,871 3,757
Feb 2026 -17,957 22,432 4,474
Mar 2026 -16,796 21,993 5,197
End Of Year 5 of Loan
Apr 2026 -15,630 21,554 5,924
May 2026 -14,458 21,115 6,657
Jun 2026 -13,281 19,235 5,954
Jul 2026 -12,100 18,797 6,697
Aug 2026 -10,913 18,358 7,445
Sep 2026 -9,721 17,919 8,198
Oct 2026 -8,524 17,480 8,956
Nov 2026 -7,321 17,041 9,720
Dec 2026 -6,114 16,602 10,488
Jan 2027 -4,901 16,163 11,262
Feb 2027 -3,684 15,724 12,040
Mar 2027 -2,461 15,285 12,824
End Of Year 6 of Loan
Apr 2027 -1,233 14,846 13,613
May 2027 0 14,408 14,408
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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