Hino XZU710R

$88,800

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Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

Car Price

Down Payment

of Car Price

Car Registration Date

20 Dec 2018 (7 years, 11 months remaining)

Loan Term

Months

(7 years)

Interest Rate

OMV:

$35,208
Based on this OMV and registration date, this car is eligible for minimum 40% down payment.

COE:

$27,509

Car Category:

Commercial

Results

Financial Commitment

Car Price: $88,800
Monthly Installment: $766.60 /month for 7 years (84 months)

Upfront Payment

Transfer Fee: $25
Down Payment: $35,520 (40% of Car Price)
1st Installment: $766.60
Total Upfront Payment: $36,311.60

Loan Details

Total Loan: $53,280
Total Interest: $11,114
Total Sum Paid: $64,394 at the end of 7 years (84 months)

Other Car Financial Details

COE: $27,509
ARF Paid: $41,291
PARF Rebate: You get back $20,646 at the end of 10th year (PARF Rebate)
Annual Depreciation: $11,239

				Loan Redemption Amount			Paper/Deregistration Value
No	Month	Year	Paid so far The amount paid so far, consisting of desposit and total installment paid.	Outstanding Loan Outstanding loan amount owing to bank/financing company.	Interest Rebate The amount of interest rebate as a result of early settlement of loan. This is based on the Rule of 78.	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.	PARF Rebate Based on tiered rate of the Aditional Registration Fee (ARF). The ARF is based on the OMV of the vehicle.	COE Rebate Based on pro-rated value of the Quota Premium paid.	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'.	Remarks
1.	Feb	2021	36,287	63,628	10,853	-52,775	0	21,549	21,549	-31,226
2.	Mar	2021	37,053	62,861	10,594	-52,267	0	21,319	21,319	-30,947
3.	Apr	2021	37,820	62,094	10,339	-51,755	0	21,090	21,090	-30,665
4.	May	2021	38,586	61,328	10,087	-51,241	0	20,861	20,861	-30,380
5.	Jun	2021	39,353	60,561	9,838	-50,723	0	20,632	20,632	-30,092
6.	Jul	2021	40,120	59,795	9,592	-50,203	0	20,403	20,403	-29,800
7.	Aug	2021	40,886	59,028	9,349	-49,679	0	20,173	20,173	-29,506
8.	Sep	2021	41,653	58,261	9,109	-49,152	0	19,944	19,944	-29,208
9.	Oct	2021	42,419	57,495	8,873	-48,622	0	19,715	19,715	-28,907
10.	Nov	2021	43,186	56,728	8,639	-48,089	0	19,486	19,486	-28,603
11.	Dec	2021	43,953	55,962	8,409	-47,553	0	19,256	19,256	-28,297
12.	Jan	2022	44,719	55,195	8,182	-47,013	0	19,027	19,027	-27,986
End Of Year 1 of Loan
13.	Feb	2022	45,486	54,428	7,957	-46,471	0	18,798	18,798	-27,673
14.	Mar	2022	46,252	53,662	7,736	-45,925	0	18,569	18,569	-27,357
15.	Apr	2022	47,019	52,895	7,518	-45,377	0	18,339	18,339	-27,037
16.	May	2022	47,786	52,129	7,304	-44,825	0	18,110	18,110	-26,715
17.	Jun	2022	48,552	51,362	7,092	-44,270	0	17,881	17,881	-26,389
18.	Jul	2022	49,319	50,595	6,883	-43,712	0	17,652	17,652	-26,061
19.	Aug	2022	50,085	49,829	6,678	-43,151	0	17,422	17,422	-25,729
20.	Sep	2022	50,852	49,062	6,476	-42,587	0	17,193	17,193	-25,394
21.	Oct	2022	51,619	48,296	6,276	-42,019	0	16,964	16,964	-25,056
22.	Nov	2022	52,385	47,529	6,080	-41,449	0	16,735	16,735	-24,714
23.	Dec	2022	53,152	46,762	5,887	-40,875	0	16,505	16,505	-24,370
24.	Jan	2023	53,918	45,996	5,697	-40,299	0	16,276	16,276	-24,023
End Of Year 2 of Loan
25.	Feb	2023	54,685	45,229	5,510	-39,719	0	16,047	16,047	-23,672
26.	Mar	2023	55,452	44,463	5,327	-39,136	0	15,818	15,818	-23,318
27.	Apr	2023	56,218	43,696	5,146	-38,550	0	15,588	15,588	-22,961
28.	May	2023	56,985	42,929	4,969	-37,961	0	15,359	15,359	-22,602
29.	Jun	2023	57,751	42,163	4,794	-37,369	0	15,130	15,130	-22,239
30.	Jul	2023	58,518	41,396	4,623	-36,773	0	14,901	14,901	-21,872
31.	Aug	2023	59,285	40,630	4,455	-36,175	0	14,671	14,671	-21,503
32.	Sep	2023	60,051	39,863	4,290	-35,573	0	14,442	14,442	-21,131
33.	Oct	2023	60,818	39,096	4,128	-34,968	0	14,213	14,213	-20,755
34.	Nov	2023	61,584	38,330	3,969	-34,361	0	13,984	13,984	-20,377
35.	Dec	2023	62,351	37,563	3,814	-33,750	0	13,755	13,755	-19,995
36.	Jan	2024	63,118	36,797	3,661	-33,136	0	13,525	13,525	-19,610
End Of Year 3 of Loan
37.	Feb	2024	63,884	36,030	3,512	-32,518	0	13,296	13,296	-19,222
38.	Mar	2024	64,651	35,263	3,365	-31,898	0	13,067	13,067	-18,831
39.	Apr	2024	65,417	34,497	3,222	-31,275	0	12,838	12,838	-18,437
40.	May	2024	66,184	33,730	3,082	-30,648	0	12,608	12,608	-18,040
41.	Jun	2024	66,951	32,964	2,945	-30,019	0	12,379	12,379	-17,640
42.	Jul	2024	67,717	32,197	2,811	-29,386	0	12,150	12,150	-17,236
43.	Aug	2024	68,484	31,431	2,680	-28,750	0	11,921	11,921	-16,829
44.	Sep	2024	69,250	30,664	2,553	-28,111	0	11,691	11,691	-16,420
45.	Oct	2024	70,017	29,897	2,428	-27,469	0	11,462	11,462	-16,007
46.	Nov	2024	70,783	29,131	2,307	-26,824	0	11,233	11,233	-15,591
47.	Dec	2024	71,550	28,364	2,189	-26,176	0	11,004	11,004	-15,172
48.	Jan	2025	72,317	27,598	2,073	-25,524	0	10,774	10,774	-14,750
End Of Year 4 of Loan
49.	Feb	2025	73,083	26,831	1,961	-24,870	0	10,545	10,545	-14,324
50.	Mar	2025	73,850	26,064	1,852	-24,212	0	10,316	10,316	-13,896
51.	Apr	2025	74,616	25,298	1,747	-23,551	0	10,087	10,087	-13,465
52.	May	2025	75,383	24,531	1,644	-22,887	0	9,857	9,857	-13,030
53.	Jun	2025	76,150	23,765	1,544	-22,220	0	9,628	9,628	-12,592
54.	Jul	2025	76,916	22,998	1,448	-21,550	0	9,399	9,399	-12,151
55.	Aug	2025	77,683	22,231	1,354	-20,877	0	9,170	9,170	-11,707
56.	Sep	2025	78,449	21,465	1,264	-20,201	0	8,940	8,940	-11,260
57.	Oct	2025	79,216	20,698	1,177	-19,521	0	8,711	8,711	-10,810
58.	Nov	2025	79,983	19,932	1,093	-18,839	0	8,482	8,482	-10,357
59.	Dec	2025	80,749	19,165	1,012	-18,153	0	8,253	8,253	-9,900
60.	Jan	2026	81,516	18,398	934	-17,464	0	8,023	8,023	-9,441
End Of Year 5 of Loan
61.	Feb	2026	82,282	17,632	859	-16,772	0	7,794	7,794	-8,978
62.	Mar	2026	83,049	16,865	788	-16,078	0	7,565	7,565	-8,513
63.	Apr	2026	83,816	16,099	719	-15,379	0	7,336	7,336	-8,044
64.	May	2026	84,582	15,332	654	-14,678	0	7,106	7,106	-7,572
65.	Jun	2026	85,349	14,565	592	-13,974	0	6,877	6,877	-7,097
66.	Jul	2026	86,115	13,799	532	-13,266	0	6,648	6,648	-6,618
67.	Aug	2026	86,882	13,032	476	-12,556	0	6,419	6,419	-6,137
68.	Sep	2026	87,649	12,266	423	-11,842	0	6,190	6,190	-5,653
69.	Oct	2026	88,415	11,499	374	-11,125	0	5,960	5,960	-5,165
70.	Nov	2026	89,182	10,732	327	-10,405	0	5,731	5,731	-4,674
71.	Dec	2026	89,948	9,966	283	-9,682	0	5,502	5,502	-4,181
72.	Jan	2027	90,715	9,199	243	-8,956	0	5,273	5,273	-3,684
End Of Year 6 of Loan
73.	Feb	2027	91,482	8,433	205	-8,227	0	5,043	5,043	-3,184
74.	Mar	2027	92,248	7,666	171	-7,495	0	4,814	4,814	-2,681
75.	Apr	2027	93,015	6,899	140	-6,759	0	4,585	4,585	-2,174
76.	May	2027	93,781	6,133	112	-6,021	0	4,356	4,356	-1,665
77.	Jun	2027	94,548	5,366	87	-5,279	0	4,126	4,126	-1,153
78.	Jul	2027	95,315	4,600	65	-4,534	0	3,897	3,897	-637
79.	Aug	2027	96,081	3,833	47	-3,786	0	3,668	3,668	-118
80.	Sep	2027	96,848	3,066	31	-3,035	0	3,439	3,439	403	Break Even
81.	Oct	2027	97,614	2,300	19	-2,281	0	3,209	3,209	928
82.	Nov	2027	98,381	1,533	9	-1,524	0	2,980	2,980	1,456
83.	Dec	2027	99,148	767	3	-763	0	2,751	2,751	1,987
84.	Jan	2028	99,914	0	0	0	0	2,522	2,522	2,522	Loan Fully Paid
85.	Feb	2028	99,914	0	0	0	0	2,292	2,292	2,292
86.	Mar	2028	99,914	0	0	0	0	2,063	2,063	2,063
87.	Apr	2028	99,914	0	0	0	0	1,834	1,834	1,834
88.	May	2028	99,914	0	0	0	0	1,605	1,605	1,605
89.	Jun	2028	99,914	0	0	0	0	1,375	1,375	1,375
90.	Jul	2028	99,914	0	0	0	0	1,146	1,146	1,146
91.	Aug	2028	99,914	0	0	0	0	917	917	917
92.	Sep	2028	99,914	0	0	0	0	688	688	688
93.	Oct	2028	99,914	0	0	0	0	458	458	458
94.	Nov	2028	99,914	0	0	0	0	229	229	229
95.	Dec	2028	99,914	0	0	0	0	0	0	0

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	-52,775	21,549	-31,226
Mar	2021	-52,267	21,319	-30,947
Apr	2021	-51,755	21,090	-30,665
May	2021	-51,241	20,861	-30,380
Jun	2021	-50,723	20,632	-30,092
Jul	2021	-50,203	20,403	-29,800
Aug	2021	-49,679	20,173	-29,506
Sep	2021	-49,152	19,944	-29,208
Oct	2021	-48,622	19,715	-28,907
Nov	2021	-48,089	19,486	-28,603
Dec	2021	-47,553	19,256	-28,297
Jan	2022	-47,013	19,027	-27,986
End Of Year 1 of Loan
Feb	2022	-46,471	18,798	-27,673
Mar	2022	-45,925	18,569	-27,357
Apr	2022	-45,377	18,339	-27,037
May	2022	-44,825	18,110	-26,715
Jun	2022	-44,270	17,881	-26,389
Jul	2022	-43,712	17,652	-26,061
Aug	2022	-43,151	17,422	-25,729
Sep	2022	-42,587	17,193	-25,394
Oct	2022	-42,019	16,964	-25,056
Nov	2022	-41,449	16,735	-24,714
Dec	2022	-40,875	16,505	-24,370
Jan	2023	-40,299	16,276	-24,023
End Of Year 2 of Loan
Feb	2023	-39,719	16,047	-23,672
Mar	2023	-39,136	15,818	-23,318
Apr	2023	-38,550	15,588	-22,961
May	2023	-37,961	15,359	-22,602
Jun	2023	-37,369	15,130	-22,239
Jul	2023	-36,773	14,901	-21,872
Aug	2023	-36,175	14,671	-21,503
Sep	2023	-35,573	14,442	-21,131
Oct	2023	-34,968	14,213	-20,755
Nov	2023	-34,361	13,984	-20,377
Dec	2023	-33,750	13,755	-19,995
Jan	2024	-33,136	13,525	-19,610
End Of Year 3 of Loan
Feb	2024	-32,518	13,296	-19,222
Mar	2024	-31,898	13,067	-18,831
Apr	2024	-31,275	12,838	-18,437
May	2024	-30,648	12,608	-18,040
Jun	2024	-30,019	12,379	-17,640
Jul	2024	-29,386	12,150	-17,236
Aug	2024	-28,750	11,921	-16,829
Sep	2024	-28,111	11,691	-16,420
Oct	2024	-27,469	11,462	-16,007
Nov	2024	-26,824	11,233	-15,591
Dec	2024	-26,176	11,004	-15,172
Jan	2025	-25,524	10,774	-14,750
End Of Year 4 of Loan
Feb	2025	-24,870	10,545	-14,324
Mar	2025	-24,212	10,316	-13,896
Apr	2025	-23,551	10,087	-13,465
May	2025	-22,887	9,857	-13,030
Jun	2025	-22,220	9,628	-12,592
Jul	2025	-21,550	9,399	-12,151
Aug	2025	-20,877	9,170	-11,707
Sep	2025	-20,201	8,940	-11,260
Oct	2025	-19,521	8,711	-10,810
Nov	2025	-18,839	8,482	-10,357
Dec	2025	-18,153	8,253	-9,900
Jan	2026	-17,464	8,023	-9,441
End Of Year 5 of Loan
Feb	2026	-16,772	7,794	-8,978
Mar	2026	-16,078	7,565	-8,513
Apr	2026	-15,379	7,336	-8,044
May	2026	-14,678	7,106	-7,572
Jun	2026	-13,974	6,877	-7,097
Jul	2026	-13,266	6,648	-6,618
Aug	2026	-12,556	6,419	-6,137
Sep	2026	-11,842	6,190	-5,653
Oct	2026	-11,125	5,960	-5,165
Nov	2026	-10,405	5,731	-4,674
Dec	2026	-9,682	5,502	-4,181
Jan	2027	-8,956	5,273	-3,684
End Of Year 6 of Loan
Feb	2027	-8,227	5,043	-3,184
Mar	2027	-7,495	4,814	-2,681
Apr	2027	-6,759	4,585	-2,174
May	2027	-6,021	4,356	-1,665
Jun	2027	-5,279	4,126	-1,153
Jul	2027	-4,534	3,897	-637
Aug	2027	-3,786	3,668	-118
Sep	2027	-3,035	3,439	403
Oct	2027	-2,281	3,209	928
Nov	2027	-1,524	2,980	1,456
Dec	2027	-763	2,751	1,987
Jan	2028	0	2,522	2,522
Feb	2028	0	2,292	2,292
Mar	2028	0	2,063	2,063
Apr	2028	0	1,834	1,834
May	2028	0	1,605	1,605
Jun	2028	0	1,375	1,375
Jul	2028	0	1,146	1,146
Aug	2028	0	917	917
Sep	2028	0	688	688
Oct	2028	0	458	458
Nov	2028	0	229	229
Dec	2028	0	0	0

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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