$178,800


Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
1 Jun 2017 (8 years remaining)
Months
(7 years)
%

$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
$1,543.55 /month for 7 years (84 months) Information

Upfront Payment

Transfer Fee
$25
Down Payment
$71,520 (40% of Car Price)
1st Installment
$1,543.55
Total Upfront Payment
$73,088.55

Loan Details

Total Loan
$107,280 Information
Total Interest
$22,379 Information
Total Sum Paid
$129,659 at the end of 7 years (84 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'.
Jun 2019 -106,263 74,826 -31,437
Jul 2019 -105,240 74,373 -30,867
Aug 2019 -104,210 73,920 -30,291
Sep 2019 -103,174 73,466 -29,708
Oct 2019 -102,132 73,013 -29,119
Nov 2019 -101,084 72,560 -28,524
Dec 2019 -100,029 72,106 -27,923
Jan 2020 -98,968 71,653 -27,316
Feb 2020 -97,901 71,199 -26,702
Mar 2020 -96,828 70,746 -26,082
Apr 2020 -95,748 70,293 -25,456
May 2020 -94,662 69,839 -24,823
End Of Year 1 of Loan
Jun 2020 -93,570 69,386 -24,184
Jul 2020 -92,472 68,932 -23,539
Aug 2020 -91,367 68,479 -22,888
Sep 2020 -90,256 68,026 -22,230
Oct 2020 -89,138 67,572 -21,566
Nov 2020 -88,015 67,119 -20,896
Dec 2020 -86,885 66,666 -20,220
Jan 2021 -85,749 66,212 -19,537
Feb 2021 -84,607 65,759 -18,848
Mar 2021 -83,458 65,305 -18,153
Apr 2021 -82,303 64,852 -17,451
May 2021 -81,142 64,399 -16,743
End Of Year 2 of Loan
Jun 2021 -79,974 63,945 -16,029
Jul 2021 -78,801 63,492 -15,309
Aug 2021 -77,621 63,038 -14,582
Sep 2021 -76,435 62,585 -13,849
Oct 2021 -75,242 62,132 -13,110
Nov 2021 -74,043 61,678 -12,365
Dec 2021 -72,838 61,225 -11,613
Jan 2022 -71,627 60,772 -10,855
Feb 2022 -70,409 60,318 -10,091
Mar 2022 -69,185 59,865 -9,321
Apr 2022 -67,955 59,411 -8,544
May 2022 -66,719 58,958 -7,761
End Of Year 3 of Loan
Jun 2022 -65,476 56,388 -9,089
Jul 2022 -64,227 55,934 -8,293
Aug 2022 -62,972 55,481 -7,491
Sep 2022 -61,711 55,027 -6,683
Oct 2022 -60,443 54,574 -5,869
Nov 2022 -59,169 54,121 -5,048
Dec 2022 -57,889 53,667 -4,221
Jan 2023 -56,602 53,214 -3,388
Feb 2023 -55,309 52,761 -2,549
Mar 2023 -54,010 52,307 -1,703
Apr 2023 -52,705 51,854 -851
May 2023 -51,393 51,400 7
End Of Year 4 of Loan
Jun 2023 -50,075 48,830 -1,245
Jul 2023 -48,751 48,377 -374
Aug 2023 -47,421 47,923 503
Sep 2023 -46,084 47,470 1,386
Oct 2023 -44,741 47,016 2,275
Nov 2023 -43,392 46,563 3,171
Dec 2023 -42,036 46,110 4,073
Jan 2024 -40,675 45,656 4,982
Feb 2024 -39,306 45,203 5,896
Mar 2024 -37,932 44,750 6,817
Apr 2024 -36,552 44,296 7,745
May 2024 -35,165 43,843 8,678
End Of Year 5 of Loan
Jun 2024 -33,772 41,272 7,501
Jul 2024 -32,372 40,819 8,447
Aug 2024 -30,967 40,366 9,399
Sep 2024 -29,555 39,912 10,358
Oct 2024 -28,137 39,459 11,322
Nov 2024 -26,712 39,006 12,293
Dec 2024 -25,281 38,552 13,271
Jan 2025 -23,844 38,099 14,254
Feb 2025 -22,401 37,645 15,244
Mar 2025 -20,952 37,192 16,240
Apr 2025 -19,496 36,739 17,243
May 2025 -18,034 36,285 18,251
End Of Year 6 of Loan
Jun 2025 -16,565 33,715 17,149
Jul 2025 -15,091 33,261 18,171
Aug 2025 -13,610 32,808 19,198
Sep 2025 -12,123 32,355 20,232
Oct 2025 -10,629 31,901 21,272
Nov 2025 -9,130 31,448 22,318
Dec 2025 -7,624 30,995 23,371
Jan 2026 -6,112 30,541 24,430
Feb 2026 -4,593 30,088 25,495
Mar 2026 -3,068 29,634 26,566
Apr 2026 -1,537 29,181 27,644
May 2026 0 28,728 28,728
Jun 2026 0 26,157 26,157
Jul 2026 0 25,704 25,704
Aug 2026 0 25,250 25,250
Sep 2026 0 24,797 24,797
Oct 2026 0 24,344 24,344
Nov 2026 0 23,890 23,890
Dec 2026 0 23,437 23,437
Jan 2027 0 22,984 22,984
Feb 2027 0 22,530 22,530
Mar 2027 0 22,077 22,077
Apr 2027 0 21,623 21,623
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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