$79,800

Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
20 Jan 2017 (5 years, 9 months remaining)
Months
(5 years, 9 months )
%

$21,024 Information
Based on this OMV and registration date, this car is eligible for minimum 30% down payment.
$53,001
PARF Car  (min PARF 50% of ARF)

Results

Financial Commitment

Car Price
$79,800
Monthly Installment
$812.82 /month for 5 years, 9 months (69 months) Information

Upfront Payment

Transfer Fee
$25
Down Payment
$23,940 (30% of Car Price)
1st Installment
$812.82
Total Upfront Payment
$24,777.82

Loan Details

Total Loan
$55,860 Information
Total Interest
$8,204 Information
Total Sum Paid
$64,064 at the end of 5 years, 9 months (69 months)

Other Car Financial Details

COE
$53,001 Information
ARF Paid
$21,434 Information
PARF Rebate
You get back $10,717 at the end of 10th year (PARF Rebate) Information
Annual Depreciation
$11,961 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'.
May 2021 -47,302 45,802 -1,500
Jun 2021 -46,720 45,360 -1,360
Jul 2021 -46,135 44,919 -1,216
Aug 2021 -45,546 44,477 -1,069
Sep 2021 -44,954 44,035 -919
Oct 2021 -44,359 43,594 -765
Nov 2021 -43,760 43,152 -608
Dec 2021 -43,158 42,710 -447
Jan 2022 -42,552 42,269 -284
Feb 2022 -41,943 40,776 -1,167
Mar 2022 -41,331 40,334 -997
Apr 2022 -40,715 39,892 -823
End Of Year 1 of Loan
May 2022 -40,096 39,451 -645
Jun 2022 -39,473 39,009 -464
Jul 2022 -38,847 38,567 -280
Aug 2022 -38,218 38,126 -92
Sep 2022 -37,585 37,684 99
Oct 2022 -36,949 37,242 293
Nov 2022 -36,309 36,801 491
Dec 2022 -35,666 36,359 693
Jan 2023 -35,020 35,917 897
Feb 2023 -34,370 34,424 54
Mar 2023 -33,717 33,983 266
Apr 2023 -33,061 33,541 480
End Of Year 2 of Loan
May 2023 -32,401 33,099 699
Jun 2023 -31,737 32,658 920
Jul 2023 -31,071 32,216 1,145
Aug 2023 -30,400 31,774 1,374
Sep 2023 -29,727 31,333 1,606
Oct 2023 -29,050 30,891 1,841
Nov 2023 -28,370 30,449 2,080
Dec 2023 -27,686 30,008 2,322
Jan 2024 -26,999 29,566 2,567
Feb 2024 -26,308 28,073 1,765
Mar 2024 -25,614 27,631 2,017
Apr 2024 -24,917 27,190 2,273
End Of Year 3 of Loan
May 2024 -24,216 26,748 2,532
Jun 2024 -23,512 26,306 2,794
Jul 2024 -22,805 25,865 3,060
Aug 2024 -22,094 25,423 3,329
Sep 2024 -21,380 24,981 3,602
Oct 2024 -20,662 24,540 3,878
Nov 2024 -19,941 24,098 4,157
Dec 2024 -19,216 23,656 4,440
Jan 2025 -18,488 23,215 4,726
Feb 2025 -17,757 21,722 3,965
Mar 2025 -17,022 21,280 4,258
Apr 2025 -16,284 20,838 4,554
End Of Year 4 of Loan
May 2025 -15,543 20,397 4,854
Jun 2025 -14,798 19,955 5,157
Jul 2025 -14,050 19,513 5,464
Aug 2025 -13,298 19,072 5,774
Sep 2025 -12,543 18,630 6,087
Oct 2025 -11,785 18,188 6,404
Nov 2025 -11,023 17,747 6,724
Dec 2025 -10,257 17,305 7,048
Jan 2026 -9,489 16,863 7,375
Feb 2026 -8,717 15,370 6,654
Mar 2026 -7,941 14,929 6,987
Apr 2026 -7,162 14,487 7,325
End Of Year 5 of Loan
May 2026 -6,380 14,045 7,665
Jun 2026 -5,595 13,604 8,009
Jul 2026 -4,806 13,162 8,357
Aug 2026 -4,013 12,720 8,707
Sep 2026 -3,217 12,279 9,061
Oct 2026 -2,418 11,837 9,419
Nov 2026 -1,615 11,395 9,780
Dec 2026 -809 10,954 10,144
Jan 2027 0 10,512 10,512
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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