$178,800


Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
1 Jun 2017 (6 years, 8 months remaining)
Months
(6 years, 8 months )
%

$42,340 Information
Based on this OMV and registration date, this car is eligible for minimum 40% down payment.
$54,406
PARF Car  (min PARF 50% of ARF)

Results

Financial Commitment

Car Price
$178,800
Monthly Installment
$1,607.41 /month for 6 years, 8 months (80 months) Information

Upfront Payment

Transfer Fee
$25
Down Payment
$71,520 (40% of Car Price)
1st Installment
$1,607.41
Total Upfront Payment
$73,152.41

Loan Details

Total Loan
$107,280 Information
Total Interest
$21,313 Information
Total Sum Paid
$128,593 at the end of 6 years, 8 months (80 months)

Other Car Financial Details

COE
$54,406 Information
ARF Paid
$51,276 Information
PARF Rebate
You get back $25,638 at the end of 10th year (PARF Rebate) Information
Annual Depreciation
- 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'.
Oct 2020 -106,199 67,572 -38,627
Nov 2020 -105,111 67,119 -37,992
Dec 2020 -104,017 66,666 -37,351
Jan 2021 -102,916 66,212 -36,704
Feb 2021 -101,808 65,759 -36,050
Mar 2021 -100,694 65,305 -35,389
Apr 2021 -99,574 64,852 -34,722
May 2021 -98,446 64,399 -34,048
Jun 2021 -97,313 63,945 -33,367
Jul 2021 -96,172 63,492 -32,680
Aug 2021 -95,025 63,038 -31,987
Sep 2021 -93,872 62,585 -31,287
End Of Year 1 of Loan
Oct 2021 -92,712 62,132 -30,580
Nov 2021 -91,545 61,678 -29,867
Dec 2021 -90,372 61,225 -29,147
Jan 2022 -89,192 60,772 -28,420
Feb 2022 -88,006 60,318 -27,687
Mar 2022 -86,813 59,865 -26,948
Apr 2022 -85,613 59,411 -26,202
May 2022 -84,407 58,958 -25,449
Jun 2022 -83,194 56,388 -26,807
Jul 2022 -81,975 55,934 -26,041
Aug 2022 -80,749 55,481 -25,268
Sep 2022 -79,516 55,027 -24,489
End Of Year 2 of Loan
Oct 2022 -78,277 54,574 -23,703
Nov 2022 -77,032 54,121 -22,911
Dec 2022 -75,780 53,667 -22,112
Jan 2023 -74,521 53,214 -21,307
Feb 2023 -73,255 52,761 -20,495
Mar 2023 -71,984 52,307 -19,676
Apr 2023 -70,705 51,854 -18,851
May 2023 -69,420 51,400 -18,020
Jun 2023 -68,128 48,830 -19,298
Jul 2023 -66,830 48,377 -18,453
Aug 2023 -65,525 47,923 -17,602
Sep 2023 -64,214 47,470 -16,744
End Of Year 3 of Loan
Oct 2023 -62,896 47,016 -15,879
Nov 2023 -61,571 46,563 -15,008
Dec 2023 -60,240 46,110 -14,130
Jan 2024 -58,902 45,656 -13,246
Feb 2024 -57,558 45,203 -12,355
Mar 2024 -56,207 44,750 -11,458
Apr 2024 -54,850 44,296 -10,554
May 2024 -53,486 43,843 -9,643
Jun 2024 -52,115 41,272 -10,843
Jul 2024 -50,738 40,819 -9,919
Aug 2024 -49,354 40,366 -8,989
Sep 2024 -47,964 39,912 -8,052
End Of Year 4 of Loan
Oct 2024 -46,567 39,459 -7,108
Nov 2024 -45,164 39,006 -6,158
Dec 2024 -43,753 38,552 -5,201
Jan 2025 -42,337 38,099 -4,238
Feb 2025 -40,914 37,645 -3,268
Mar 2025 -39,484 37,192 -2,292
Apr 2025 -38,047 36,739 -1,309
May 2025 -36,604 36,285 -319
Jun 2025 -35,155 33,715 -1,440
Jul 2025 -33,699 33,261 -437
Aug 2025 -32,236 32,808 572
Sep 2025 -30,767 32,355 1,588
End Of Year 5 of Loan
Oct 2025 -29,291 31,901 2,610
Nov 2025 -27,809 31,448 3,639
Dec 2025 -26,320 30,995 4,675
Jan 2026 -24,824 30,541 5,717
Feb 2026 -23,322 30,088 6,766
Mar 2026 -21,813 29,634 7,821
Apr 2026 -20,298 29,181 8,883
May 2026 -18,776 28,728 9,952
Jun 2026 -17,247 26,157 8,910
Jul 2026 -15,712 25,704 9,992
Aug 2026 -14,171 25,250 11,080
Sep 2026 -12,622 24,797 12,175
End Of Year 6 of Loan
Oct 2026 -11,068 24,344 13,276
Nov 2026 -9,506 23,890 14,384
Dec 2026 -7,938 23,437 15,499
Jan 2027 -6,364 22,984 16,620
Feb 2027 -4,783 22,530 17,747
Mar 2027 -3,195 22,077 18,882
Apr 2027 -1,601 21,623 20,023
May 2027 0 21,170 21,170
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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