$178,800


Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
1 Jun 2017 (7 years, 5 months 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'.
Jan 2021 -106,263 71,653 -34,610
Feb 2021 -105,240 71,199 -34,040
Mar 2021 -104,210 70,746 -33,464
Apr 2021 -103,174 70,293 -32,882
May 2021 -102,132 69,839 -32,293
Jun 2021 -101,084 69,386 -31,698
Jul 2021 -100,029 68,932 -31,097
Aug 2021 -98,968 68,479 -30,489
Sep 2021 -97,901 68,026 -29,876
Oct 2021 -96,828 67,572 -29,256
Nov 2021 -95,748 67,119 -28,629
Dec 2021 -94,662 66,666 -27,997
End Of Year 1 of Loan
Jan 2022 -93,570 66,212 -27,358
Feb 2022 -92,472 65,759 -26,713
Mar 2022 -91,367 65,305 -26,061
Apr 2022 -90,256 64,852 -25,404
May 2022 -89,138 64,399 -24,740
Jun 2022 -88,015 63,945 -24,070
Jul 2022 -86,885 63,492 -23,393
Aug 2022 -85,749 63,038 -22,711
Sep 2022 -84,607 62,585 -22,022
Oct 2022 -83,458 62,132 -21,326
Nov 2022 -82,303 61,678 -20,625
Dec 2022 -81,142 61,225 -19,917
End Of Year 2 of Loan
Jan 2023 -79,974 60,772 -19,203
Feb 2023 -78,801 60,318 -18,483
Mar 2023 -77,621 59,865 -17,756
Apr 2023 -76,435 59,411 -17,023
May 2023 -75,242 58,958 -16,284
Jun 2023 -74,043 56,388 -17,656
Jul 2023 -72,838 55,934 -16,904
Aug 2023 -71,627 55,481 -16,146
Sep 2023 -70,409 55,027 -15,382
Oct 2023 -69,185 54,574 -14,611
Nov 2023 -67,955 54,121 -13,835
Dec 2023 -66,719 53,667 -13,052
End Of Year 3 of Loan
Jan 2024 -65,476 53,214 -12,262
Feb 2024 -64,227 52,761 -11,467
Mar 2024 -62,972 52,307 -10,665
Apr 2024 -61,711 51,854 -9,857
May 2024 -60,443 51,400 -9,042
Jun 2024 -59,169 48,830 -10,339
Jul 2024 -57,889 48,377 -9,512
Aug 2024 -56,602 47,923 -8,679
Sep 2024 -55,309 47,470 -7,839
Oct 2024 -54,010 47,016 -6,994
Nov 2024 -52,705 46,563 -6,142
Dec 2024 -51,393 46,110 -5,283
End Of Year 4 of Loan
Jan 2025 -50,075 45,656 -4,419
Feb 2025 -48,751 45,203 -3,548
Mar 2025 -47,421 44,750 -2,671
Apr 2025 -46,084 44,296 -1,788
May 2025 -44,741 43,843 -898
Jun 2025 -43,392 41,272 -2,119
Jul 2025 -42,036 40,819 -1,217
Aug 2025 -40,675 40,366 -309
Sep 2025 -39,306 39,912 606
Oct 2025 -37,932 39,459 1,527
Nov 2025 -36,552 39,006 2,454
Dec 2025 -35,165 38,552 3,387
End Of Year 5 of Loan
Jan 2026 -33,772 38,099 4,327
Feb 2026 -32,372 37,645 5,273
Mar 2026 -30,967 37,192 6,225
Apr 2026 -29,555 36,739 7,184
May 2026 -28,137 36,285 8,149
Jun 2026 -26,712 33,715 7,003
Jul 2026 -25,281 33,261 7,980
Aug 2026 -23,844 32,808 8,964
Sep 2026 -22,401 32,355 9,954
Oct 2026 -20,952 31,901 10,950
Nov 2026 -19,496 31,448 11,952
Dec 2026 -18,034 30,995 12,961
End Of Year 6 of Loan
Jan 2027 -16,565 30,541 13,976
Feb 2027 -15,091 30,088 14,997
Mar 2027 -13,610 29,634 16,024
Apr 2027 -12,123 29,181 17,058
May 2027 -10,629 28,728 18,098
Jun 2027 -9,130 26,157 17,028
Jul 2027 -7,624 25,704 18,080
Aug 2027 -6,112 25,250 19,139
Sep 2027 -4,593 24,797 20,204
Oct 2027 -3,068 24,344 21,275
Nov 2027 -1,537 23,890 22,353
Dec 2027 0 23,437 23,437
Jan 2028 0 22,984 22,984
Feb 2028 0 22,530 22,530
Mar 2028 0 22,077 22,077
Apr 2028 0 21,623 21,623
May 2028 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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