BMW 320I 2.0 (A)

$59,800

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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

15 Mar 2009 (1 years, 11 months remaining)

Loan Term

Months

(1 years, 11 months )

Interest Rate

OMV:

Based on this OMV and registration date, this car is eligible for minimum 30% down payment.

COE:

Car Category:

PARF Car For car registered between March 2008 to February 2013, the minimum PARF rebate is at 50% of OMV.

(min PARF 50% of OMV)

Results

Financial Commitment

Car Price: $59,800
Monthly Installment: $1,923.95 /month for 1 years, 11 months (23 months)

Upfront Payment

Transfer Fee: $25
Down Payment: $17,940 (30% of Car Price)
1st Installment: $1,923.95
Total Upfront Payment: $19,888.95

Loan Details

Total Loan: $41,860
Total Interest: $2,391
Total Sum Paid: $44,251 at the end of 1 years, 11 months (23 months)

Other Car Financial Details

COE: $0
Annual Depreciation: -

* The loan breakdown may not be accurate when there are no OMV specfied.

				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	19,864	42,327	2,192	-40,135	0	0	0	-40,135
2.	Mar	2021	21,788	40,403	2,001	-38,402	0	0	0	-38,402
3.	Apr	2021	23,712	38,479	1,819	-36,660	0	0	0	-36,660
4.	May	2021	25,636	36,555	1,646	-34,909	0	0	0	-34,909
5.	Jun	2021	27,560	34,631	1,481	-33,150	0	0	0	-33,150
6.	Jul	2021	29,484	32,707	1,325	-31,382	0	0	0	-31,382
7.	Aug	2021	31,408	30,783	1,178	-29,605	0	0	0	-29,605
8.	Sep	2021	33,332	28,859	1,040	-27,820	0	0	0	-27,820
9.	Oct	2021	35,256	26,935	910	-26,026	0	0	0	-26,026
10.	Nov	2021	37,180	25,011	788	-24,223	0	0	0	-24,223
11.	Dec	2021	39,103	23,087	676	-22,412	0	0	0	-22,412
12.	Jan	2022	41,027	21,163	572	-20,592	0	0	0	-20,592
End Of Year 1 of Loan
13.	Feb	2022	42,951	19,240	476	-18,763	0	0	0	-18,763
14.	Mar	2022	44,875	17,316	390	-16,926	0	0	0	-16,926
15.	Apr	2022	46,799	15,392	312	-15,080	0	0	0	-15,080
16.	May	2022	48,723	13,468	243	-13,225	0	0	0	-13,225
17.	Jun	2022	50,647	11,544	182	-11,362	0	0	0	-11,362
18.	Jul	2022	52,571	9,620	130	-9,490	0	0	0	-9,490
19.	Aug	2022	54,495	7,696	87	-7,609	0	0	0	-7,609
20.	Sep	2022	56,419	5,772	52	-5,720	0	0	0	-5,720
21.	Oct	2022	58,343	3,848	26	-3,822	0	0	0	-3,822
22.	Nov	2022	60,267	1,924	9	-1,915	0	0	0	-1,915
23.	Dec	2022	62,191	0	0	0	0	0	0	0	Loan Fully Paid Break Even

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	-40,135	0	-40,135
Mar	2021	-38,402	0	-38,402
Apr	2021	-36,660	0	-36,660
May	2021	-34,909	0	-34,909
Jun	2021	-33,150	0	-33,150
Jul	2021	-31,382	0	-31,382
Aug	2021	-29,605	0	-29,605
Sep	2021	-27,820	0	-27,820
Oct	2021	-26,026	0	-26,026
Nov	2021	-24,223	0	-24,223
Dec	2021	-22,412	0	-22,412
Jan	2022	-20,592	0	-20,592
End Of Year 1 of Loan
Feb	2022	-18,763	0	-18,763
Mar	2022	-16,926	0	-16,926
Apr	2022	-15,080	0	-15,080
May	2022	-13,225	0	-13,225
Jun	2022	-11,362	0	-11,362
Jul	2022	-9,490	0	-9,490
Aug	2022	-7,609	0	-7,609
Sep	2022	-5,720	0	-5,720
Oct	2022	-3,822	0	-3,822
Nov	2022	-1,915	0	-1,915
Dec	2022	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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