$178,800


Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
1 Jun 2017 (7 years, 7 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'.
Nov 2019 -106,263 72,560 -33,704
Dec 2019 -105,240 72,106 -33,134
Jan 2020 -104,210 71,653 -32,557
Feb 2020 -103,174 71,199 -31,975
Mar 2020 -102,132 70,746 -31,386
Apr 2020 -101,084 70,293 -30,791
May 2020 -100,029 69,839 -30,190
Jun 2020 -98,968 69,386 -29,583
Jul 2020 -97,901 68,932 -28,969
Aug 2020 -96,828 68,479 -28,349
Sep 2020 -95,748 68,026 -27,723
Oct 2020 -94,662 67,572 -27,090
End Of Year 1 of Loan
Nov 2020 -93,570 67,119 -26,451
Dec 2020 -92,472 66,666 -25,806
Jan 2021 -91,367 66,212 -25,155
Feb 2021 -90,256 65,759 -24,497
Mar 2021 -89,138 65,305 -23,833
Apr 2021 -88,015 64,852 -23,163
May 2021 -86,885 64,399 -22,486
Jun 2021 -85,749 63,945 -21,804
Jul 2021 -84,607 63,492 -21,115
Aug 2021 -83,458 63,038 -20,420
Sep 2021 -82,303 62,585 -19,718
Oct 2021 -81,142 62,132 -19,010
End Of Year 2 of Loan
Nov 2021 -79,974 61,678 -18,296
Dec 2021 -78,801 61,225 -17,576
Jan 2022 -77,621 60,772 -16,849
Feb 2022 -76,435 60,318 -16,116
Mar 2022 -75,242 59,865 -15,377
Apr 2022 -74,043 59,411 -14,632
May 2022 -72,838 58,958 -13,880
Jun 2022 -71,627 56,388 -15,239
Jul 2022 -70,409 55,934 -14,475
Aug 2022 -69,185 55,481 -13,705
Sep 2022 -67,955 55,027 -12,928
Oct 2022 -66,719 54,574 -12,145
End Of Year 3 of Loan
Nov 2022 -65,476 54,121 -11,355
Dec 2022 -64,227 53,667 -10,560
Jan 2023 -62,972 53,214 -9,758
Feb 2023 -61,711 52,761 -8,950
Mar 2023 -60,443 52,307 -8,136
Apr 2023 -59,169 51,854 -7,315
May 2023 -57,889 51,400 -6,488
Jun 2023 -56,602 48,830 -7,772
Jul 2023 -55,309 48,377 -6,933
Aug 2023 -54,010 47,923 -6,087
Sep 2023 -52,705 47,470 -5,235
Oct 2023 -51,393 47,016 -4,377
End Of Year 4 of Loan
Nov 2023 -50,075 46,563 -3,512
Dec 2023 -48,751 46,110 -2,641
Jan 2024 -47,421 45,656 -1,764
Feb 2024 -46,084 45,203 -881
Mar 2024 -44,741 44,750 9
Apr 2024 -43,392 44,296 904
May 2024 -42,036 43,843 1,807
Jun 2024 -40,675 41,272 598
Jul 2024 -39,306 40,819 1,513
Aug 2024 -37,932 40,366 2,433
Sep 2024 -36,552 39,912 3,361
Oct 2024 -35,165 39,459 4,294
End Of Year 5 of Loan
Nov 2024 -33,772 39,006 5,234
Dec 2024 -32,372 38,552 6,180
Jan 2025 -30,967 38,099 7,132
Feb 2025 -29,555 37,645 8,091
Mar 2025 -28,137 37,192 9,055
Apr 2025 -26,712 36,739 10,027
May 2025 -25,281 36,285 11,004
Jun 2025 -23,844 33,715 9,870
Jul 2025 -22,401 33,261 10,860
Aug 2025 -20,952 32,808 11,856
Sep 2025 -19,496 32,355 12,859
Oct 2025 -18,034 31,901 13,868
End Of Year 6 of Loan
Nov 2025 -16,565 31,448 14,883
Dec 2025 -15,091 30,995 15,904
Jan 2026 -13,610 30,541 16,931
Feb 2026 -12,123 30,088 17,965
Mar 2026 -10,629 29,634 19,005
Apr 2026 -9,130 29,181 20,051
May 2026 -7,624 28,728 21,104
Jun 2026 -6,112 26,157 20,046
Jul 2026 -4,593 25,704 21,111
Aug 2026 -3,068 25,250 22,182
Sep 2026 -1,537 24,797 23,260
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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