$108,800

Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
5 Dec 2016 (6 years, 10 months remaining)
Months
(6 years, 10 months )
%

$29,038 Information
Based on this OMV and registration date, this car is eligible for minimum 30% down payment.
$56,206
PARF Car  (min PARF 50% of ARF)

Results

Financial Commitment

Car Price
$108,800
Monthly Installment
$958.21 /month for 6 years, 10 months (82 months) Information

Upfront Payment

Transfer Fee
$25
Down Payment
$32,640 (30% of Car Price)
1st Installment
$958.21
Total Upfront Payment
$33,623.21

Loan Details

Total Loan
$76,160 Information
Total Interest
$13,293 Information
Total Sum Paid
$89,453 at the end of 6 years, 10 months (82 months)

Other Car Financial Details

COE
$56,206 Information
ARF Paid
$32,653 Information
PARF Rebate
You get back $16,327 at the end of 10th year (PARF Rebate) Information
Annual Depreciation
$13,828 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 2020 -64,642 59,718 -4,925
May 2020 -64,000 59,249 -4,751
Jun 2020 -63,355 58,781 -4,574
Jul 2020 -62,705 58,312 -4,393
Aug 2020 -62,051 57,844 -4,207
Sep 2020 -61,394 57,376 -4,018
Oct 2020 -60,733 56,907 -3,825
Nov 2020 -60,067 56,439 -3,629
Dec 2020 -59,398 55,970 -3,428
Jan 2021 -58,725 55,502 -3,223
Feb 2021 -58,048 55,034 -3,015
Mar 2021 -57,367 54,565 -2,802
End Of Year 1 of Loan
Apr 2021 -56,683 54,097 -2,586
May 2021 -55,994 53,629 -2,365
Jun 2021 -55,301 53,160 -2,141
Jul 2021 -54,605 52,692 -1,913
Aug 2021 -53,905 52,223 -1,681
Sep 2021 -53,200 51,755 -1,445
Oct 2021 -52,492 51,287 -1,205
Nov 2021 -51,780 50,818 -962
Dec 2021 -51,064 50,350 -714
Jan 2022 -50,344 49,882 -463
Feb 2022 -49,620 47,961 -1,659
Mar 2022 -48,892 47,493 -1,400
End Of Year 2 of Loan
Apr 2022 -48,161 47,024 -1,136
May 2022 -47,425 46,556 -869
Jun 2022 -46,686 46,088 -598
Jul 2022 -45,942 45,619 -323
Aug 2022 -45,195 45,151 -44
Sep 2022 -44,444 44,683 239
Oct 2022 -43,689 44,214 525
Nov 2022 -42,930 43,746 816
Dec 2022 -42,167 43,277 1,110
Jan 2023 -41,400 42,809 1,409
Feb 2023 -40,630 40,889 259
Mar 2023 -39,855 40,420 565
End Of Year 3 of Loan
Apr 2023 -39,076 39,952 876
May 2023 -38,294 39,484 1,190
Jun 2023 -37,508 39,015 1,508
Jul 2023 -36,717 38,547 1,829
Aug 2023 -35,923 38,078 2,155
Sep 2023 -35,125 37,610 2,485
Oct 2023 -34,323 37,142 2,818
Nov 2023 -33,517 36,673 3,156
Dec 2023 -32,708 36,205 3,497
Jan 2024 -31,894 35,737 3,843
Feb 2024 -31,076 33,816 2,740
Mar 2024 -30,255 33,348 3,093
End Of Year 4 of Loan
Apr 2024 -29,429 32,879 3,450
May 2024 -28,600 32,411 3,811
Jun 2024 -27,767 31,943 4,176
Jul 2024 -26,930 31,474 4,544
Aug 2024 -26,089 31,006 4,917
Sep 2024 -25,244 30,538 5,294
Oct 2024 -24,395 30,069 5,674
Nov 2024 -23,542 29,601 6,058
Dec 2024 -22,686 29,132 6,447
Jan 2025 -21,825 28,664 6,839
Feb 2025 -20,961 26,744 5,783
Mar 2025 -20,092 26,275 6,183
End Of Year 5 of Loan
Apr 2025 -19,220 25,807 6,587
May 2025 -18,344 25,339 6,995
Jun 2025 -17,464 24,870 7,406
Jul 2025 -16,580 24,402 7,822
Aug 2025 -15,692 23,933 8,242
Sep 2025 -14,800 23,465 8,665
Oct 2025 -13,904 22,997 9,092
Nov 2025 -13,005 22,528 9,523
Dec 2025 -12,101 22,060 9,959
Jan 2026 -11,194 21,592 10,398
Feb 2026 -10,282 19,671 9,389
Mar 2026 -9,367 19,203 9,836
End Of Year 6 of Loan
Apr 2026 -8,448 18,734 10,286
May 2026 -7,525 18,266 10,741
Jun 2026 -6,598 17,798 11,200
Jul 2026 -5,667 17,329 11,662
Aug 2026 -4,732 16,861 12,128
Sep 2026 -3,794 16,393 12,599
Oct 2026 -2,851 15,924 13,073
Nov 2026 -1,905 15,456 13,551
Dec 2026 -954 14,987 14,033
Jan 2027 0 14,519 14,519
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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