$76,800

Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

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

$19,977 Information
Based on this OMV and registration date, this car is eligible for minimum 30% down payment.
$43,000
PARF Car  (min PARF 50% of ARF)

Results

Financial Commitment

Car Price
$76,800
Monthly Installment
$822.73 /month for 6 years, 6 months (78 months) Information

Upfront Payment

Transfer Fee
$25
Down Payment
$23,040 (30% of Car Price)
1st Installment
$822.73
Total Upfront Payment
$23,887.73

Loan Details

Total Loan
$53,760 Information
Total Interest
$10,413 Information
Total Sum Paid
$64,173 at the end of 6 years, 6 months (78 months)

Other Car Financial Details

COE
$43,000 Information
ARF Paid
$19,977 Information
PARF Rebate
You get back $9,989 at the end of 10th year (PARF Rebate) Information
Annual Depreciation
$10,246 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 -53,201 42,574 -10,626
Nov 2019 -52,638 42,216 -10,422
Dec 2019 -52,073 41,858 -10,215
Jan 2020 -51,503 41,499 -10,004
Feb 2020 -50,931 41,141 -9,790
Mar 2020 -50,355 40,783 -9,572
Apr 2020 -49,775 40,424 -9,351
May 2020 -49,193 40,066 -9,126
Jun 2020 -48,606 39,708 -8,899
Jul 2020 -48,017 39,349 -8,667
Aug 2020 -47,424 38,991 -8,433
Sep 2020 -46,828 38,633 -8,195
End Of Year 1 of Loan
Oct 2020 -46,228 38,274 -7,954
Nov 2020 -45,625 37,916 -7,709
Dec 2020 -45,019 37,558 -7,461
Jan 2021 -44,409 37,199 -7,209
Feb 2021 -43,796 36,841 -6,954
Mar 2021 -43,179 36,483 -6,696
Apr 2021 -42,559 35,126 -7,433
May 2021 -41,936 34,767 -7,168
Jun 2021 -41,309 34,409 -6,900
Jul 2021 -40,679 34,051 -6,628
Aug 2021 -40,045 33,692 -6,353
Sep 2021 -39,409 33,334 -6,075
End Of Year 2 of Loan
Oct 2021 -38,768 32,976 -5,793
Nov 2021 -38,125 32,617 -5,508
Dec 2021 -37,478 32,259 -5,219
Jan 2022 -36,827 31,901 -4,927
Feb 2022 -36,174 31,542 -4,631
Mar 2022 -35,517 31,184 -4,333
Apr 2022 -34,856 29,827 -5,029
May 2022 -34,192 29,468 -4,724
Jun 2022 -33,525 29,110 -4,415
Jul 2022 -32,854 28,752 -4,103
Aug 2022 -32,180 28,393 -3,787
Sep 2022 -31,503 28,035 -3,468
End Of Year 3 of Loan
Oct 2022 -30,822 27,677 -3,145
Nov 2022 -30,138 27,318 -2,820
Dec 2022 -29,450 26,960 -2,490
Jan 2023 -28,759 26,602 -2,158
Feb 2023 -28,065 26,243 -1,822
Mar 2023 -27,367 25,885 -1,482
Apr 2023 -26,666 24,528 -2,139
May 2023 -25,962 24,170 -1,792
Jun 2023 -25,254 23,811 -1,443
Jul 2023 -24,543 23,453 -1,090
Aug 2023 -23,828 23,095 -734
Sep 2023 -23,110 22,736 -374
End Of Year 4 of Loan
Oct 2023 -22,389 22,378 -11
Nov 2023 -21,664 22,020 355
Dec 2023 -20,936 21,661 725
Jan 2024 -20,205 21,303 1,098
Feb 2024 -19,470 20,945 1,475
Mar 2024 -18,732 20,586 1,855
Apr 2024 -17,990 19,229 1,239
May 2024 -17,245 18,871 1,626
Jun 2024 -16,497 18,512 2,016
Jul 2024 -15,745 18,154 2,409
Aug 2024 -14,990 17,796 2,806
Sep 2024 -14,231 17,437 3,206
End Of Year 5 of Loan
Oct 2024 -13,469 17,079 3,610
Nov 2024 -12,704 16,721 4,017
Dec 2024 -11,935 16,362 4,427
Jan 2025 -11,163 16,004 4,841
Feb 2025 -10,388 15,646 5,258
Mar 2025 -9,609 15,287 5,678
Apr 2025 -8,827 13,930 5,103
May 2025 -8,041 13,572 5,530
Jun 2025 -7,253 13,214 5,961
Jul 2025 -6,460 12,855 6,395
Aug 2025 -5,665 12,497 6,832
Sep 2025 -4,865 12,139 7,273
End Of Year 6 of Loan
Oct 2025 -4,063 11,780 7,717
Nov 2025 -3,257 11,422 8,165
Dec 2025 -2,448 11,064 8,616
Jan 2026 -1,635 10,705 9,070
Feb 2026 -819 10,347 9,527
Mar 2026 0 9,989 9,989
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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