$115,700

Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
11 Mar 2016 (6 years, 7 months remaining)
Months
(6 years, 7 months )
%

$27,820 Information
Based on this OMV and registration date, this car is eligible for minimum 30% down payment.
$45,002
PARF Car  (min PARF 50% of ARF)

Results

Financial Commitment

Car Price
$115,700
Monthly Installment
$1,051.13 /month for 6 years, 7 months (79 months) Information

Upfront Payment

Transfer Fee
$25
Down Payment
$34,710 (30% of Car Price)
1st Installment
$1,051.13
Total Upfront Payment
$35,786.13

Loan Details

Total Loan
$80,990 Information
Total Interest
$13,619 Information
Total Sum Paid
$94,609 at the end of 6 years, 7 months (79 months)

Other Car Financial Details

COE
$45,002 Information
ARF Paid
$30,948 Information
PARF Rebate
You get back $15,474 at the end of 10th year (PARF Rebate) Information
Annual Depreciation
$15,291 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'.
Sep 2019 -68,709 50,116 -18,593
Oct 2019 -67,994 49,741 -18,253
Nov 2019 -67,275 49,366 -17,909
Dec 2019 -66,552 48,991 -17,560
Jan 2020 -65,824 48,616 -17,207
Feb 2020 -65,091 48,241 -16,850
Mar 2020 -64,355 47,866 -16,489
Apr 2020 -63,614 47,491 -16,123
May 2020 -62,869 47,116 -15,753
Jun 2020 -62,120 46,741 -15,378
Jul 2020 -61,366 46,366 -15,000
Aug 2020 -60,608 45,991 -14,617
End Of Year 1 of Loan
Sep 2020 -59,845 45,616 -14,229
Oct 2020 -59,079 45,241 -13,838
Nov 2020 -58,308 44,866 -13,442
Dec 2020 -57,532 44,491 -13,041
Jan 2021 -56,753 44,116 -12,637
Feb 2021 -55,969 43,741 -12,228
Mar 2021 -55,181 43,366 -11,815
Apr 2021 -54,388 41,600 -12,788
May 2021 -53,591 41,225 -12,366
Jun 2021 -52,790 40,850 -11,940
Jul 2021 -51,985 40,475 -11,510
Aug 2021 -51,175 40,100 -11,075
End Of Year 2 of Loan
Sep 2021 -50,361 39,725 -10,636
Oct 2021 -49,542 39,350 -10,192
Nov 2021 -48,720 38,975 -9,745
Dec 2021 -47,893 38,600 -9,293
Jan 2022 -47,061 38,225 -8,836
Feb 2022 -46,226 37,850 -8,376
Mar 2022 -45,386 37,475 -7,911
Apr 2022 -44,541 35,709 -8,833
May 2022 -43,693 35,334 -8,359
Jun 2022 -42,840 34,959 -7,881
Jul 2022 -41,983 34,584 -7,399
Aug 2022 -41,121 34,209 -6,913
End Of Year 3 of Loan
Sep 2022 -40,256 33,834 -6,422
Oct 2022 -39,385 33,459 -5,927
Nov 2022 -38,511 33,084 -5,427
Dec 2022 -37,632 32,709 -4,924
Jan 2023 -36,749 32,334 -4,416
Feb 2023 -35,862 31,959 -3,903
Mar 2023 -34,970 31,584 -3,387
Apr 2023 -34,074 29,818 -4,257
May 2023 -33,174 29,443 -3,731
Jun 2023 -32,269 29,068 -3,202
Jul 2023 -31,360 28,693 -2,668
Aug 2023 -30,447 28,318 -2,130
End Of Year 4 of Loan
Sep 2023 -29,530 27,943 -1,587
Oct 2023 -28,608 27,567 -1,040
Nov 2023 -27,682 27,192 -489
Dec 2023 -26,751 26,817 66
Jan 2024 -25,817 26,442 626
Feb 2024 -24,877 26,067 1,190
Mar 2024 -23,934 25,692 1,758
Apr 2024 -22,986 23,926 940
May 2024 -22,034 23,551 1,517
Jun 2024 -21,078 23,176 2,098
Jul 2024 -20,117 22,801 2,684
Aug 2024 -19,153 22,426 3,274
End Of Year 5 of Loan
Sep 2024 -18,183 22,051 3,868
Oct 2024 -17,210 21,676 4,467
Nov 2024 -16,232 21,301 5,069
Dec 2024 -15,250 20,926 5,677
Jan 2025 -14,263 20,551 6,288
Feb 2025 -13,272 20,176 6,904
Mar 2025 -12,277 19,801 7,524
Apr 2025 -11,278 18,035 6,757
May 2025 -10,274 17,660 7,386
Jun 2025 -9,266 17,285 8,019
Jul 2025 -8,254 16,910 8,656
Aug 2025 -7,237 16,535 9,298
End Of Year 6 of Loan
Sep 2025 -6,216 16,160 9,944
Oct 2025 -5,191 15,785 10,594
Nov 2025 -4,161 15,410 11,249
Dec 2025 -3,128 15,035 11,908
Jan 2026 -2,089 14,660 12,571
Feb 2026 -1,047 14,285 13,238
Mar 2026 0 13,910 13,910
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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