$183,800

Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
10 Jan 2017 (7 years, 4 months remaining)
Months
(7 years)
%

$50,312 Information
Based on this OMV and registration date, this car is eligible for minimum 40% down payment.
$50,389
PARF Car  (min PARF 50% of ARF)

Results

Financial Commitment

Car Price
$183,800
Monthly Installment
$1,586.72 /month for 7 years (84 months) Information

Upfront Payment

Transfer Fee
$25
Down Payment
$73,520 (40% of Car Price)
1st Installment
$1,586.72
Total Upfront Payment
$75,131.72

Loan Details

Total Loan
$110,280 Information
Total Interest
$23,004 Information
Total Sum Paid
$133,284 at the end of 7 years (84 months)

Other Car Financial Details

COE
$50,389 Information
ARF Paid
$62,562 Information
PARF Rebate
You get back $31,281 at the end of 10th year (PARF Rebate) Information
Annual Depreciation
$20,874 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'.
Oct 2019 -109,235 74,266 -34,969
Nov 2019 -108,183 73,846 -34,337
Dec 2019 -107,124 73,426 -33,698
Jan 2020 -106,060 73,006 -33,053
Feb 2020 -104,988 72,586 -32,402
Mar 2020 -103,911 72,166 -31,744
Apr 2020 -102,827 71,747 -31,080
May 2020 -101,736 71,327 -30,409
Jun 2020 -100,639 70,907 -29,732
Jul 2020 -99,536 70,487 -29,049
Aug 2020 -98,426 70,067 -28,359
Sep 2020 -97,309 69,647 -27,662
End Of Year 1 of Loan
Oct 2020 -96,187 69,227 -26,960
Nov 2020 -95,057 68,807 -26,250
Dec 2020 -93,922 68,387 -25,535
Jan 2021 -92,780 67,967 -24,812
Feb 2021 -91,631 67,547 -24,084
Mar 2021 -90,476 67,128 -23,349
Apr 2021 -89,315 66,708 -22,607
May 2021 -88,147 66,288 -21,859
Jun 2021 -86,973 65,868 -21,105
Jul 2021 -85,792 65,448 -20,344
Aug 2021 -84,605 65,028 -19,577
Sep 2021 -83,411 64,608 -18,803
End Of Year 2 of Loan
Oct 2021 -82,211 64,188 -18,023
Nov 2021 -81,004 63,768 -17,236
Dec 2021 -79,791 63,348 -16,443
Jan 2022 -78,572 62,929 -15,643
Feb 2022 -77,346 59,993 -17,353
Mar 2022 -76,114 59,573 -16,541
Apr 2022 -74,875 59,153 -15,722
May 2022 -73,630 58,733 -14,897
Jun 2022 -72,378 58,313 -14,065
Jul 2022 -71,120 57,893 -13,227
Aug 2022 -69,856 57,474 -12,382
Sep 2022 -68,585 57,054 -11,531
End Of Year 3 of Loan
Oct 2022 -67,307 56,634 -10,673
Nov 2022 -66,023 56,214 -9,810
Dec 2022 -64,733 55,794 -8,939
Jan 2023 -63,436 55,374 -8,062
Feb 2023 -62,133 52,438 -9,695
Mar 2023 -60,823 52,019 -8,805
Apr 2023 -59,507 51,599 -7,909
May 2023 -58,185 51,179 -7,006
Jun 2023 -56,856 50,759 -6,097
Jul 2023 -55,520 50,339 -5,182
Aug 2023 -54,179 49,919 -4,260
Sep 2023 -52,830 49,499 -3,331
End Of Year 4 of Loan
Oct 2023 -51,476 49,079 -2,396
Nov 2023 -50,114 48,659 -1,455
Dec 2023 -48,747 48,239 -507
Jan 2024 -47,373 47,820 447
Feb 2024 -45,992 44,884 -1,108
Mar 2024 -44,605 44,464 -141
Apr 2024 -43,212 44,044 832
May 2024 -41,812 43,624 1,812
Jun 2024 -40,406 43,204 2,799
Jul 2024 -38,993 42,784 3,792
Aug 2024 -37,574 42,365 4,791
Sep 2024 -36,148 41,945 5,797
End Of Year 5 of Loan
Oct 2024 -34,716 41,525 6,809
Nov 2024 -33,278 41,105 7,827
Dec 2024 -31,833 40,685 8,852
Jan 2025 -30,381 40,265 9,884
Feb 2025 -28,923 37,329 8,406
Mar 2025 -27,459 36,910 9,451
Apr 2025 -25,988 36,490 10,501
May 2025 -24,511 36,070 11,559
Jun 2025 -23,028 35,650 12,622
Jul 2025 -21,537 35,230 13,692
Aug 2025 -20,041 34,810 14,769
Sep 2025 -18,538 34,390 15,852
End Of Year 6 of Loan
Oct 2025 -17,029 33,970 16,942
Nov 2025 -15,513 33,550 18,038
Dec 2025 -13,991 33,130 19,140
Jan 2026 -12,462 32,711 20,249
Feb 2026 -10,927 29,775 18,848
Mar 2026 -9,385 29,355 19,970
Apr 2026 -7,837 28,935 21,098
May 2026 -6,282 28,515 22,233
Jun 2026 -4,721 28,095 23,374
Jul 2026 -3,154 27,675 24,521
Aug 2026 -1,580 27,256 25,675
Sep 2026 0 26,836 26,836
Oct 2026 0 26,416 26,416
Nov 2026 0 25,996 25,996
Dec 2026 0 25,576 25,576
Jan 2027 0 25,156 25,156
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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