$178,800


Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
1 Jun 2017 (7 years, 10 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'.
Aug 2019 -106,263 73,920 -32,343
Sep 2019 -105,240 73,466 -31,773
Oct 2019 -104,210 73,013 -31,197
Nov 2019 -103,174 72,560 -30,615
Dec 2019 -102,132 72,106 -30,026
Jan 2020 -101,084 71,653 -29,431
Feb 2020 -100,029 71,199 -28,830
Mar 2020 -98,968 70,746 -28,223
Apr 2020 -97,901 70,293 -27,609
May 2020 -96,828 69,839 -26,989
Jun 2020 -95,748 69,386 -26,362
Jul 2020 -94,662 68,932 -25,730
End Of Year 1 of Loan
Aug 2020 -93,570 68,479 -25,091
Sep 2020 -92,472 68,026 -24,446
Oct 2020 -91,367 67,572 -23,795
Nov 2020 -90,256 67,119 -23,137
Dec 2020 -89,138 66,666 -22,473
Jan 2021 -88,015 66,212 -21,803
Feb 2021 -86,885 65,759 -21,126
Mar 2021 -85,749 65,305 -20,444
Apr 2021 -84,607 64,852 -19,755
May 2021 -83,458 64,399 -19,059
Jun 2021 -82,303 63,945 -18,358
Jul 2021 -81,142 63,492 -17,650
End Of Year 2 of Loan
Aug 2021 -79,974 63,038 -16,936
Sep 2021 -78,801 62,585 -16,216
Oct 2021 -77,621 62,132 -15,489
Nov 2021 -76,435 61,678 -14,756
Dec 2021 -75,242 61,225 -14,017
Jan 2022 -74,043 60,772 -13,272
Feb 2022 -72,838 60,318 -12,520
Mar 2022 -71,627 59,865 -11,762
Apr 2022 -70,409 59,411 -10,998
May 2022 -69,185 58,958 -10,227
Jun 2022 -67,955 56,388 -11,568
Jul 2022 -66,719 55,934 -10,785
End Of Year 3 of Loan
Aug 2022 -65,476 55,481 -9,995
Sep 2022 -64,227 55,027 -9,200
Oct 2022 -62,972 54,574 -8,398
Nov 2022 -61,711 54,121 -7,590
Dec 2022 -60,443 53,667 -6,776
Jan 2023 -59,169 53,214 -5,955
Feb 2023 -57,889 52,761 -5,128
Mar 2023 -56,602 52,307 -4,295
Apr 2023 -55,309 51,854 -3,455
May 2023 -54,010 51,400 -2,610
Jun 2023 -52,705 48,830 -3,875
Jul 2023 -51,393 48,377 -3,017
End Of Year 4 of Loan
Aug 2023 -50,075 47,923 -2,152
Sep 2023 -48,751 47,470 -1,281
Oct 2023 -47,421 47,016 -404
Nov 2023 -46,084 46,563 479
Dec 2023 -44,741 46,110 1,369
Jan 2024 -43,392 45,656 2,265
Feb 2024 -42,036 45,203 3,167
Mar 2024 -40,675 44,750 4,075
Apr 2024 -39,306 44,296 4,990
May 2024 -37,932 43,843 5,911
Jun 2024 -36,552 41,272 4,721
Jul 2024 -35,165 40,819 5,654
End Of Year 5 of Loan
Aug 2024 -33,772 40,366 6,594
Sep 2024 -32,372 39,912 7,540
Oct 2024 -30,967 39,459 8,492
Nov 2024 -29,555 39,006 9,451
Dec 2024 -28,137 38,552 10,416
Jan 2025 -26,712 38,099 11,387
Feb 2025 -25,281 37,645 12,364
Mar 2025 -23,844 37,192 13,348
Apr 2025 -22,401 36,739 14,337
May 2025 -20,952 36,285 15,334
Jun 2025 -19,496 33,715 14,219
Jul 2025 -18,034 33,261 15,228
End Of Year 6 of Loan
Aug 2025 -16,565 32,808 16,243
Sep 2025 -15,091 32,355 17,264
Oct 2025 -13,610 31,901 18,291
Nov 2025 -12,123 31,448 19,325
Dec 2025 -10,629 30,995 20,365
Jan 2026 -9,130 30,541 21,411
Feb 2026 -7,624 30,088 22,464
Mar 2026 -6,112 29,634 23,523
Apr 2026 -4,593 29,181 24,588
May 2026 -3,068 28,728 25,659
Jun 2026 -1,537 26,157 24,620
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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