$139,800

Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
11 Aug 2017 (7 years remaining)
Months
(7 years)
%

$37,239 Information
Based on this OMV and registration date, this car is eligible for minimum 40% down payment.
$49,802
PARF Car  (min PARF 50% of ARF)

Results

Financial Commitment

Car Price
$139,800
Monthly Installment
$1,206.87 /month for 7 years (84 months) Information

Upfront Payment

Transfer Fee
$25
Down Payment
$55,920 (40% of Car Price)
1st Installment
$1,206.87
Total Upfront Payment
$57,151.87

Loan Details

Total Loan
$83,880 Information
Total Interest
$17,497 Information
Total Sum Paid
$101,377 at the end of 7 years (84 months)

Other Car Financial Details

COE
$49,802 Information
ARF Paid
$44,135 Information
PARF Rebate
You get back $22,067 at the end of 10th year (PARF Rebate) Information
Annual Depreciation
$16,783 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'.
Sep 2020 -83,085 62,376 -20,709
Oct 2020 -82,285 61,961 -20,324
Nov 2020 -81,480 61,546 -19,934
Dec 2020 -80,670 61,131 -19,539
Jan 2021 -79,855 60,716 -19,140
Feb 2021 -79,035 60,301 -18,735
Mar 2021 -78,211 59,886 -18,325
Apr 2021 -77,381 59,471 -17,911
May 2021 -76,547 59,056 -17,492
Jun 2021 -75,708 58,640 -17,067
Jul 2021 -74,864 58,225 -16,638
Aug 2021 -74,014 57,810 -16,204
End Of Year 1 of Loan
Sep 2021 -73,160 57,395 -15,765
Oct 2021 -72,302 56,980 -15,321
Nov 2021 -71,438 56,565 -14,872
Dec 2021 -70,569 56,150 -14,419
Jan 2022 -69,696 55,735 -13,960
Feb 2022 -68,817 55,320 -13,497
Mar 2022 -67,934 54,905 -13,028
Apr 2022 -67,045 54,490 -12,555
May 2022 -66,152 54,075 -12,077
Jun 2022 -65,254 53,660 -11,594
Jul 2022 -64,351 53,245 -11,106
Aug 2022 -63,443 52,830 -10,613
End Of Year 2 of Loan
Sep 2022 -62,530 50,553 -11,977
Oct 2022 -61,613 50,138 -11,474
Nov 2022 -60,690 49,723 -10,967
Dec 2022 -59,763 49,308 -10,454
Jan 2023 -58,830 48,893 -9,937
Feb 2023 -57,893 48,478 -9,415
Mar 2023 -56,951 48,063 -8,887
Apr 2023 -56,004 47,648 -8,355
May 2023 -55,052 47,233 -7,818
Jun 2023 -54,095 46,818 -7,276
Jul 2023 -53,133 46,403 -6,730
Aug 2023 -52,166 45,988 -6,178
End Of Year 3 of Loan
Sep 2023 -51,194 43,711 -7,483
Oct 2023 -50,218 43,296 -6,922
Nov 2023 -49,237 42,881 -6,355
Dec 2023 -48,250 42,466 -5,784
Jan 2024 -47,259 42,051 -5,208
Feb 2024 -46,263 41,636 -4,627
Mar 2024 -45,262 41,221 -4,041
Apr 2024 -44,256 40,806 -3,450
May 2024 -43,245 40,391 -2,854
Jun 2024 -42,229 39,976 -2,253
Jul 2024 -41,209 39,561 -1,648
Aug 2024 -40,183 39,146 -1,037
End Of Year 4 of Loan
Sep 2024 -39,153 36,869 -2,284
Oct 2024 -38,117 36,454 -1,664
Nov 2024 -37,077 36,039 -1,038
Dec 2024 -36,032 35,624 -408
Jan 2025 -34,982 35,209 227
Feb 2025 -33,927 34,794 867
Mar 2025 -32,867 34,379 1,512
Apr 2025 -31,803 33,964 2,161
May 2025 -30,733 33,549 2,816
Jun 2025 -29,658 33,134 3,475
Jul 2025 -28,579 32,719 4,140
Aug 2025 -27,495 32,304 4,809
End Of Year 5 of Loan
Sep 2025 -26,405 30,027 3,621
Oct 2025 -25,311 29,612 4,301
Nov 2025 -24,212 29,197 4,985
Dec 2025 -23,108 28,782 5,674
Jan 2026 -21,999 28,367 6,367
Feb 2026 -20,886 27,952 7,066
Mar 2026 -19,767 27,537 7,770
Apr 2026 -18,643 27,122 8,478
May 2026 -17,515 26,707 9,192
Jun 2026 -16,382 26,292 9,910
Jul 2026 -15,243 25,877 10,633
Aug 2026 -14,100 25,462 11,361
End Of Year 6 of Loan
Sep 2026 -12,952 23,185 10,233
Oct 2026 -11,799 22,770 10,970
Nov 2026 -10,641 22,355 11,713
Dec 2026 -9,479 21,940 12,461
Jan 2027 -8,311 21,525 13,214
Feb 2027 -7,138 21,110 13,971
Mar 2027 -5,961 20,695 14,734
Apr 2027 -4,778 20,280 15,501
May 2027 -3,591 19,865 16,273
Jun 2027 -2,399 19,450 17,050
Jul 2027 -1,202 19,035 17,833
Aug 2027 0 18,620 18,620
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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