$183,800

Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
10 Jan 2017 (6 years, 11 months remaining)
Months
(6 years, 11 months )
%

$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
$1,602.54 /month for 6 years, 11 months (83 months) Information

Upfront Payment

Transfer Fee
$25
Down Payment
$73,520 (40% of Car Price)
1st Installment
$1,602.54
Total Upfront Payment
$75,147.54

Loan Details

Total Loan
$110,280 Information
Total Interest
$22,731 Information
Total Sum Paid
$133,011 at the end of 6 years, 11 months (83 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
$22,140 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'.
Mar 2020 -109,219 72,166 -37,052
Apr 2020 -108,151 71,747 -36,404
May 2020 -107,076 71,327 -35,750
Jun 2020 -105,996 70,907 -35,089
Jul 2020 -104,908 70,487 -34,421
Aug 2020 -103,814 70,067 -33,747
Sep 2020 -102,714 69,647 -33,067
Oct 2020 -101,607 69,227 -32,380
Nov 2020 -100,493 68,807 -31,686
Dec 2020 -99,373 68,387 -30,986
Jan 2021 -98,247 67,967 -30,279
Feb 2021 -97,114 67,547 -29,566
End Of Year 1 of Loan
Mar 2021 -95,974 67,128 -28,846
Apr 2021 -94,828 66,708 -28,120
May 2021 -93,675 66,288 -27,388
Jun 2021 -92,516 65,868 -26,648
Jul 2021 -91,351 65,448 -25,903
Aug 2021 -90,178 65,028 -25,150
Sep 2021 -89,000 64,608 -24,392
Oct 2021 -87,814 64,188 -23,626
Nov 2021 -86,623 63,768 -22,854
Dec 2021 -85,424 63,348 -22,076
Jan 2022 -84,220 62,929 -21,291
Feb 2022 -83,008 59,993 -23,015
End Of Year 2 of Loan
Mar 2022 -81,791 59,573 -22,217
Apr 2022 -80,566 59,153 -21,413
May 2022 -79,335 58,733 -20,602
Jun 2022 -78,098 58,313 -19,785
Jul 2022 -76,854 57,893 -18,961
Aug 2022 -75,604 57,474 -18,130
Sep 2022 -74,347 57,054 -17,293
Oct 2022 -73,083 56,634 -16,449
Nov 2022 -71,813 56,214 -15,599
Dec 2022 -70,537 55,794 -14,743
Jan 2023 -69,254 55,374 -13,880
Feb 2023 -67,964 52,438 -15,526
End Of Year 3 of Loan
Mar 2023 -66,668 52,019 -14,649
Apr 2023 -65,365 51,599 -13,767
May 2023 -64,056 51,179 -12,878
Jun 2023 -62,741 50,759 -11,982
Jul 2023 -61,419 50,339 -11,080
Aug 2023 -60,090 49,919 -10,171
Sep 2023 -58,755 49,499 -9,256
Oct 2023 -57,413 49,079 -8,334
Nov 2023 -56,065 48,659 -7,405
Dec 2023 -54,710 48,239 -6,471
Jan 2024 -53,349 47,820 -5,529
Feb 2024 -51,981 44,884 -7,097
End Of Year 4 of Loan
Mar 2024 -50,607 44,464 -6,142
Apr 2024 -49,226 44,044 -5,182
May 2024 -47,838 43,624 -4,214
Jun 2024 -46,444 43,204 -3,240
Jul 2024 -45,044 42,784 -2,260
Aug 2024 -43,637 42,365 -1,273
Sep 2024 -42,224 41,945 -279
Oct 2024 -40,804 41,525 721
Nov 2024 -39,377 41,105 1,728
Dec 2024 -37,944 40,685 2,741
Jan 2025 -36,505 40,265 3,760
Feb 2025 -35,059 37,329 2,271
End Of Year 5 of Loan
Mar 2025 -33,606 36,910 3,303
Apr 2025 -32,147 36,490 4,343
May 2025 -30,681 36,070 5,388
Jun 2025 -29,209 35,650 6,441
Jul 2025 -27,731 35,230 7,499
Aug 2025 -26,245 34,810 8,565
Sep 2025 -24,754 34,390 9,636
Oct 2025 -23,256 33,970 10,715
Nov 2025 -21,751 33,550 11,799
Dec 2025 -20,240 33,130 12,891
Jan 2026 -18,722 32,711 13,989
Feb 2026 -17,198 29,775 12,577
End Of Year 6 of Loan
Mar 2026 -15,667 29,355 13,688
Apr 2026 -14,129 28,935 14,806
May 2026 -12,586 28,515 15,930
Jun 2026 -11,035 28,095 17,060
Jul 2026 -9,478 27,675 18,197
Aug 2026 -7,915 27,256 19,341
Sep 2026 -6,345 26,836 20,491
Oct 2026 -4,768 26,416 21,647
Nov 2026 -3,186 25,996 22,810
Dec 2026 -1,596 25,576 23,980
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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