$178,800


Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
1 Jun 2017 (7 years, 1 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'.
May 2020 -106,263 69,839 -36,424
Jun 2020 -105,240 69,386 -35,854
Jul 2020 -104,210 68,932 -35,278
Aug 2020 -103,174 68,479 -34,695
Sep 2020 -102,132 68,026 -34,107
Oct 2020 -101,084 67,572 -33,512
Nov 2020 -100,029 67,119 -32,910
Dec 2020 -98,968 66,666 -32,303
Jan 2021 -97,901 66,212 -31,689
Feb 2021 -96,828 65,759 -31,069
Mar 2021 -95,748 65,305 -30,443
Apr 2021 -94,662 64,852 -29,810
End Of Year 1 of Loan
May 2021 -93,570 64,399 -29,171
Jun 2021 -92,472 63,945 -28,526
Jul 2021 -91,367 63,492 -27,875
Aug 2021 -90,256 63,038 -27,217
Sep 2021 -89,138 62,585 -26,553
Oct 2021 -88,015 62,132 -25,883
Nov 2021 -86,885 61,678 -25,207
Dec 2021 -85,749 61,225 -24,524
Jan 2022 -84,607 60,772 -23,835
Feb 2022 -83,458 60,318 -23,140
Mar 2022 -82,303 59,865 -22,438
Apr 2022 -81,142 59,411 -21,731
End Of Year 2 of Loan
May 2022 -79,974 58,958 -21,016
Jun 2022 -78,801 56,388 -22,413
Jul 2022 -77,621 55,934 -21,687
Aug 2022 -76,435 55,481 -20,954
Sep 2022 -75,242 55,027 -20,215
Oct 2022 -74,043 54,574 -19,469
Nov 2022 -72,838 54,121 -18,717
Dec 2022 -71,627 53,667 -17,960
Jan 2023 -70,409 53,214 -17,195
Feb 2023 -69,185 52,761 -16,425
Mar 2023 -67,955 52,307 -15,648
Apr 2023 -66,719 51,854 -14,865
End Of Year 3 of Loan
May 2023 -65,476 51,400 -14,076
Jun 2023 -64,227 48,830 -15,397
Jul 2023 -62,972 48,377 -14,595
Aug 2023 -61,711 47,923 -13,787
Sep 2023 -60,443 47,470 -12,973
Oct 2023 -59,169 47,016 -12,152
Nov 2023 -57,889 46,563 -11,325
Dec 2023 -56,602 46,110 -10,492
Jan 2024 -55,309 45,656 -9,653
Feb 2024 -54,010 45,203 -8,807
Mar 2024 -52,705 44,750 -7,955
Apr 2024 -51,393 44,296 -7,097
End Of Year 4 of Loan
May 2024 -50,075 43,843 -6,232
Jun 2024 -48,751 41,272 -7,479
Jul 2024 -47,421 40,819 -6,602
Aug 2024 -46,084 40,366 -5,718
Sep 2024 -44,741 39,912 -4,829
Oct 2024 -43,392 39,459 -3,933
Nov 2024 -42,036 39,006 -3,031
Dec 2024 -40,675 38,552 -2,122
Jan 2025 -39,306 38,099 -1,208
Feb 2025 -37,932 37,645 -287
Mar 2025 -36,552 37,192 640
Apr 2025 -35,165 36,739 1,574
End Of Year 5 of Loan
May 2025 -33,772 36,285 2,514
Jun 2025 -32,372 33,715 1,343
Jul 2025 -30,967 33,261 2,295
Aug 2025 -29,555 32,808 3,253
Sep 2025 -28,137 32,355 4,218
Oct 2025 -26,712 31,901 5,189
Nov 2025 -25,281 31,448 6,167
Dec 2025 -23,844 30,995 7,150
Jan 2026 -22,401 30,541 8,140
Feb 2026 -20,952 30,088 9,136
Mar 2026 -19,496 29,634 10,139
Apr 2026 -18,034 29,181 11,147
End Of Year 6 of Loan
May 2026 -16,565 28,728 12,162
Jun 2026 -15,091 26,157 11,066
Jul 2026 -13,610 25,704 12,094
Aug 2026 -12,123 25,250 13,128
Sep 2026 -10,629 24,797 14,168
Oct 2026 -9,130 24,344 15,214
Nov 2026 -7,624 23,890 16,267
Dec 2026 -6,112 23,437 17,325
Jan 2027 -4,593 22,984 18,390
Feb 2027 -3,068 22,530 19,462
Mar 2027 -1,537 22,077 20,539
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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