$78,300


Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
18 Sep 2015 (6 years, 10 months remaining)
Months
(6 years, 10 months )
%

$27,587 Information
Based on this OMV and registration date, this car is eligible for minimum 30% down payment.
$57,089
PARF Car  (min PARF 50% of ARF)

Results

Financial Commitment

Car Price
$78,300
Monthly Installment
$689.59 /month for 6 years, 10 months (82 months) Information

Upfront Payment

Transfer Fee
$25
Down Payment
$23,490 (30% of Car Price)
1st Installment
$689.59
Total Upfront Payment
$24,204.59

Loan Details

Total Loan
$54,810 Information
Total Interest
$9,567 Information
Total Sum Paid
$64,377 at the end of 6 years, 10 months (82 months)

Other Car Financial Details

COE
$57,089 Information
ARF Paid
$30,622 Information
PARF Rebate
You get back $15,311 at the end of 10th year (PARF Rebate) Information
Annual Depreciation
$9,228 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'.
Dec 2018 -46,521 59,225 12,704
Jan 2019 -46,059 58,750 12,691
Feb 2019 -45,594 58,274 12,679
Mar 2019 -45,127 57,798 12,671
Apr 2019 -44,657 57,322 12,666
May 2019 -44,183 56,847 12,663
Jun 2019 -43,707 56,371 12,663
Jul 2019 -43,229 55,895 12,666
Aug 2019 -42,747 55,419 12,672
Sep 2019 -42,263 54,944 12,681
Oct 2019 -41,776 54,468 12,692
Nov 2019 -41,286 53,992 12,707
End Of Year 1 of Loan
Dec 2019 -40,793 53,516 12,724
Jan 2020 -40,297 53,041 12,744
Feb 2020 -39,799 52,565 12,766
Mar 2020 -39,298 52,089 12,792
Apr 2020 -38,793 51,613 12,820
May 2020 -38,287 51,138 12,851
Jun 2020 -37,777 50,662 12,885
Jul 2020 -37,264 50,186 12,922
Aug 2020 -36,749 49,710 12,961
Sep 2020 -36,231 49,235 13,004
Oct 2020 -35,710 47,380 11,670
Nov 2020 -35,186 46,904 11,718
End Of Year 2 of Loan
Dec 2020 -34,660 46,428 11,768
Jan 2021 -34,130 45,952 11,822
Feb 2021 -33,598 45,477 11,878
Mar 2021 -33,063 45,001 11,938
Apr 2021 -32,526 44,525 12,000
May 2021 -31,985 44,049 12,064
Jun 2021 -31,442 43,574 12,132
Jul 2021 -30,895 43,098 12,203
Aug 2021 -30,346 42,622 12,276
Sep 2021 -29,794 42,147 12,352
Oct 2021 -29,240 40,291 11,052
Nov 2021 -28,682 39,816 11,133
End Of Year 3 of Loan
Dec 2021 -28,122 39,340 11,218
Jan 2022 -27,559 38,864 11,305
Feb 2022 -26,993 38,388 11,395
Mar 2022 -26,424 37,913 11,488
Apr 2022 -25,853 37,437 11,584
May 2022 -25,279 36,961 11,683
Jun 2022 -24,701 36,485 11,784
Jul 2022 -24,121 36,010 11,888
Aug 2022 -23,539 35,534 11,995
Sep 2022 -22,953 35,058 12,105
Oct 2022 -22,365 33,203 10,838
Nov 2022 -21,773 32,727 10,954
End Of Year 4 of Loan
Dec 2022 -21,179 32,252 11,072
Jan 2023 -20,583 31,776 11,193
Feb 2023 -19,983 31,300 11,317
Mar 2023 -19,381 30,824 11,444
Apr 2023 -18,775 30,349 11,573
May 2023 -18,167 29,873 11,706
Jun 2023 -17,556 29,397 11,841
Jul 2023 -16,943 28,921 11,979
Aug 2023 -16,326 28,446 12,120
Sep 2023 -15,707 27,970 12,263
Oct 2023 -15,085 26,115 11,030
Nov 2023 -14,460 25,639 11,179
End Of Year 5 of Loan
Dec 2023 -13,832 25,163 11,331
Jan 2024 -13,202 24,688 11,486
Feb 2024 -12,568 24,212 11,644
Mar 2024 -11,932 23,736 11,804
Apr 2024 -11,293 23,260 11,967
May 2024 -10,651 22,785 12,134
Jun 2024 -10,007 22,309 12,302
Jul 2024 -9,359 21,833 12,474
Aug 2024 -8,709 21,357 12,649
Sep 2024 -8,056 20,882 12,826
Oct 2024 -7,400 19,027 11,627
Nov 2024 -6,741 18,551 11,810
End Of Year 6 of Loan
Dec 2024 -6,080 18,075 11,995
Jan 2025 -5,416 17,599 12,184
Feb 2025 -4,748 17,124 12,375
Mar 2025 -4,079 16,648 12,569
Apr 2025 -3,406 16,172 12,766
May 2025 -2,730 15,696 12,966
Jun 2025 -2,052 15,221 13,169
Jul 2025 -1,371 14,745 13,374
Aug 2025 -687 14,269 13,582
Sep 2025 0 13,794 13,794
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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