$132,800

Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
29 Jan 2016 (5 years remaining)
Months
(5 years)
%

$35,590 Information
Based on this OMV and registration date, this car is eligible for minimum 30% down payment.
$57,501
PARF Car  (min PARF 50% of ARF)

Results

Financial Commitment

Car Price
$132,800
Monthly Installment
$1,525.87 /month for 5 years (60 months) Information

Upfront Payment

Transfer Fee
$25
Down Payment
$39,840 (30% of Car Price)
1st Installment
$1,525.87
Total Upfront Payment
$41,390.87

Loan Details

Total Loan
$92,960 Information
Total Interest
$11,872 Information
Total Sum Paid
$104,832 at the end of 5 years (60 months)

Other Car Financial Details

COE
$57,501 Information
ARF Paid
$41,826 Information
PARF Rebate
You get back $20,913 at the end of 10th year (PARF Rebate) Information
Annual Depreciation
$22,374 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'.
Feb 2021 -78,543 53,184 -25,359
Mar 2021 -77,400 52,705 -24,695
Apr 2021 -76,251 52,226 -24,025
May 2021 -75,095 51,747 -23,348
Jun 2021 -73,932 51,268 -22,664
Jul 2021 -72,763 50,788 -21,975
Aug 2021 -71,587 50,309 -21,278
Sep 2021 -70,405 49,830 -20,575
Oct 2021 -69,217 49,351 -19,866
Nov 2021 -68,022 48,872 -19,150
Dec 2021 -66,820 48,393 -18,428
Jan 2022 -65,612 47,913 -17,699
End Of Year 1 of Loan
Feb 2022 -64,398 45,655 -18,743
Mar 2022 -63,177 45,176 -18,001
Apr 2022 -61,950 44,696 -17,253
May 2022 -60,716 44,217 -16,498
Jun 2022 -59,475 43,738 -15,737
Jul 2022 -58,228 43,259 -14,969
Aug 2022 -56,975 42,780 -14,195
Sep 2022 -55,715 42,301 -13,415
Oct 2022 -54,449 41,821 -12,627
Nov 2022 -53,176 41,342 -11,834
Dec 2022 -51,896 40,863 -11,034
Jan 2023 -50,611 40,384 -10,227
End Of Year 2 of Loan
Feb 2023 -49,318 38,125 -11,193
Mar 2023 -48,020 37,646 -10,374
Apr 2023 -46,714 37,167 -9,547
May 2023 -45,402 36,688 -8,715
Jun 2023 -44,084 36,208 -7,876
Jul 2023 -42,759 35,729 -7,030
Aug 2023 -41,428 35,250 -6,178
Sep 2023 -40,090 34,771 -5,320
Oct 2023 -38,746 34,292 -4,455
Nov 2023 -37,396 33,813 -3,583
Dec 2023 -36,038 33,333 -2,705
Jan 2024 -34,675 32,854 -1,820
End Of Year 3 of Loan
Feb 2024 -33,304 30,596 -2,709
Mar 2024 -31,928 30,116 -1,811
Apr 2024 -30,545 29,637 -907
May 2024 -29,155 29,158 3
Jun 2024 -27,759 28,679 920
Jul 2024 -26,356 28,200 1,843
Aug 2024 -24,947 27,720 2,773
Sep 2024 -23,532 27,241 3,710
Oct 2024 -22,110 26,762 4,653
Nov 2024 -20,681 26,283 5,602
Dec 2024 -19,246 25,804 6,558
Jan 2025 -17,804 25,325 7,520
End Of Year 4 of Loan
Feb 2025 -16,356 23,066 6,710
Mar 2025 -14,902 22,587 7,685
Apr 2025 -13,441 22,108 8,667
May 2025 -11,973 21,628 9,655
Jun 2025 -10,499 21,149 10,650
Jul 2025 -9,019 20,670 11,651
Aug 2025 -7,532 20,191 12,659
Sep 2025 -6,039 19,712 13,673
Oct 2025 -4,539 19,233 14,694
Nov 2025 -3,032 18,753 15,721
Dec 2025 -1,519 18,274 16,755
Jan 2026 0 17,795 17,795
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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