$82,699


Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
24 Dec 2015 (7 years, 1 months remaining)
Months
(7 years)
%

$17,728 Information
Based on this OMV and registration date, this car is eligible for minimum 30% down payment.
$61,103
PARF Car  (min PARF 50% of ARF)

Results

Financial Commitment

Car Price
$82,699
Monthly Installment
$832.92 /month for 7 years (84 months) Information

Upfront Payment

Transfer Fee
$25
Down Payment
$24,810 (30% of Car Price)
1st Installment
$832.92
Total Upfront Payment
$25,667.62

Loan Details

Total Loan
$57,889 Information
Total Interest
$12,076 Information
Total Sum Paid
$69,965 at the end of 7 years (84 months)

Other Car Financial Details

COE
$61,103 Information
ARF Paid
$17,728 Information
PARF Rebate
You get back $8,864 at the end of 10th year (PARF Rebate) Information
Annual Depreciation
$10,383 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 -57,341 56,068 -1,272
Jan 2019 -56,788 55,559 -1,229
Feb 2019 -56,233 55,050 -1,183
Mar 2019 -55,674 54,541 -1,133
Apr 2019 -55,112 54,031 -1,080
May 2019 -54,546 53,522 -1,024
Jun 2019 -53,977 53,013 -964
Jul 2019 -53,404 52,504 -901
Aug 2019 -52,828 51,995 -834
Sep 2019 -52,249 51,485 -764
Oct 2019 -51,667 50,976 -690
Nov 2019 -51,081 50,467 -614
End Of Year 1 of Loan
Dec 2019 -50,491 49,958 -533
Jan 2020 -49,899 49,449 -450
Feb 2020 -49,302 48,939 -363
Mar 2020 -48,703 48,430 -273
Apr 2020 -48,100 47,921 -179
May 2020 -47,494 47,412 -82
Jun 2020 -46,884 46,903 19
Jul 2020 -46,271 46,393 122
Aug 2020 -45,655 45,884 230
Sep 2020 -45,035 45,375 340
Oct 2020 -44,412 44,866 454
Nov 2020 -43,785 44,357 572
End Of Year 2 of Loan
Dec 2020 -43,155 43,848 693
Jan 2021 -42,522 42,452 -70
Feb 2021 -41,885 41,943 58
Mar 2021 -41,245 41,434 189
Apr 2021 -40,601 40,924 323
May 2021 -39,954 40,415 461
Jun 2021 -39,304 39,906 602
Jul 2021 -38,651 39,397 746
Aug 2021 -37,993 38,888 894
Sep 2021 -37,333 38,378 1,045
Oct 2021 -36,669 37,869 1,200
Nov 2021 -36,002 37,360 1,358
End Of Year 3 of Loan
Dec 2021 -35,332 36,851 1,519
Jan 2022 -34,658 35,455 798
Feb 2022 -33,980 34,946 966
Mar 2022 -33,300 34,437 1,137
Apr 2022 -32,616 33,928 1,312
May 2022 -31,928 33,418 1,490
Jun 2022 -31,237 32,909 1,672
Jul 2022 -30,543 32,400 1,857
Aug 2022 -29,845 31,891 2,046
Sep 2022 -29,144 31,382 2,237
Oct 2022 -28,440 30,872 2,432
Nov 2022 -27,732 30,363 2,631
End Of Year 4 of Loan
Dec 2022 -27,021 29,854 2,833
Jan 2023 -26,307 28,459 2,152
Feb 2023 -25,589 27,949 2,361
Mar 2023 -24,867 27,440 2,573
Apr 2023 -24,143 26,931 2,788
May 2023 -23,415 26,422 3,007
Jun 2023 -22,683 25,913 3,229
Jul 2023 -21,948 25,403 3,455
Aug 2023 -21,210 24,894 3,684
Sep 2023 -20,469 24,385 3,916
Oct 2023 -19,724 23,876 4,152
Nov 2023 -18,975 23,367 4,391
End Of Year 5 of Loan
Dec 2023 -18,224 22,857 4,634
Jan 2024 -17,468 21,462 3,993
Feb 2024 -16,710 20,953 4,243
Mar 2024 -15,948 20,443 4,495
Apr 2024 -15,183 19,934 4,751
May 2024 -14,414 19,425 5,011
Jun 2024 -13,642 18,916 5,274
Jul 2024 -12,867 18,407 5,540
Aug 2024 -12,088 17,897 5,810
Sep 2024 -11,306 17,388 6,083
Oct 2024 -10,520 16,879 6,359
Nov 2024 -9,731 16,370 6,639
End Of Year 6 of Loan
Dec 2024 -8,939 15,861 6,922
Jan 2025 -8,143 14,465 6,322
Feb 2025 -7,344 13,956 6,612
Mar 2025 -6,542 13,447 6,905
Apr 2025 -5,736 12,938 7,202
May 2025 -4,926 12,428 7,502
Jun 2025 -4,114 11,919 7,805
Jul 2025 -3,298 11,410 8,112
Aug 2025 -2,478 10,901 8,422
Sep 2025 -1,656 10,392 8,736
Oct 2025 -830 9,882 9,053
Nov 2025 0 9,373 9,373
Dec 2025 0 8,864 8,864
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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