Hyundai Elantra 1.6 GLS (A)

$69,800

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Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

Car Price

Down Payment

of Car Price

Car Registration Date

14 Mar 2018 (7 years, 2 months remaining)

Loan Term

Months

(7 years)

Interest Rate

OMV:

$10,087 Information

Based on this OMV and registration date, this car is eligible for minimum 30% down payment.

COE:

$36,890

Car Category:

PARF Car For car registered from March 2013, the minimum PARF rebate is 50% ARF.

(min PARF 50% of ARF)

Results

Financial Commitment

Car Price: $69,800
Monthly Installment: $703.00 /month for 7 years (84 months)

Upfront Payment

Transfer Fee: $25
Down Payment: $20,940 (30% of Car Price)
1st Installment: $703.00
Total Upfront Payment: $21,668.00

Loan Details

Total Loan: $48,860
Total Interest: $10,192
Total Sum Paid: $59,052 at the end of 7 years (84 months)

Other Car Financial Details

COE: $36,890
ARF Paid: $10,087
PARF Rebate: You get back $5,044 at the end of 10th year (PARF Rebate)
Annual Depreciation: $9,079

				Loan Redemption Amount			Paper/Deregistration Value
No	Month	Year	Paid so far The amount paid so far, consisting of desposit and total installment paid.	Outstanding Loan Outstanding loan amount owing to bank/financing company.	Interest Rebate The amount of interest rebate as a result of early settlement of loan. This is based on the Rule of 78.	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.	PARF Rebate Based on tiered rate of the Aditional Registration Fee (ARF). The ARF is based on the OMV of the vehicle.	COE Rebate Based on pro-rated value of the Quota Premium paid.	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'.	Remarks
1.	Feb	2021	21,643	58,349	9,952	-48,397	7,565	26,130	33,696	-14,701
2.	Mar	2021	22,346	57,646	9,715	-47,931	7,565	25,823	33,388	-14,543
3.	Apr	2021	23,049	56,943	9,481	-47,462	7,565	25,516	33,081	-14,381
4.	May	2021	23,752	56,240	9,250	-46,990	7,565	25,208	32,773	-14,217
5.	Jun	2021	24,455	55,537	9,022	-46,516	7,565	24,901	32,466	-14,050
6.	Jul	2021	25,158	54,834	8,796	-46,038	7,565	24,593	32,159	-13,879
7.	Aug	2021	25,861	54,131	8,573	-45,558	7,565	24,286	31,851	-13,707
8.	Sep	2021	26,564	53,428	8,354	-45,075	7,565	23,979	31,544	-13,531
9.	Oct	2021	27,267	52,725	8,137	-44,589	7,565	23,671	31,236	-13,352
10.	Nov	2021	27,970	52,022	7,923	-44,100	7,565	23,364	30,929	-13,171
11.	Dec	2021	28,673	51,319	7,711	-43,608	7,565	23,056	30,622	-12,986
12.	Jan	2022	29,376	50,616	7,503	-43,113	7,565	22,749	30,314	-12,799
End Of Year 1 of Loan
13.	Feb	2022	30,079	49,913	7,297	-42,616	7,565	22,441	30,007	-12,609
14.	Mar	2022	30,782	49,210	7,095	-42,116	7,565	22,134	29,699	-12,416
15.	Apr	2022	31,485	48,507	6,895	-41,612	7,565	21,827	29,392	-12,221
16.	May	2022	32,188	47,804	6,698	-41,106	7,565	21,519	29,084	-12,022
17.	Jun	2022	32,891	47,101	6,504	-40,598	7,565	21,212	28,777	-11,821
18.	Jul	2022	33,594	46,398	6,312	-40,086	7,565	20,904	28,470	-11,616
19.	Aug	2022	34,297	45,695	6,124	-39,571	7,565	20,597	28,162	-11,409
20.	Sep	2022	35,000	44,992	5,938	-39,054	7,565	20,290	27,855	-11,199
21.	Oct	2022	35,703	44,289	5,756	-38,534	7,565	19,982	27,547	-10,986
22.	Nov	2022	36,406	43,586	5,576	-38,010	7,565	19,675	27,240	-10,770
23.	Dec	2022	37,109	42,883	5,399	-37,484	7,565	19,367	26,933	-10,552
24.	Jan	2023	37,812	42,180	5,225	-36,956	7,565	19,060	26,625	-10,330
End Of Year 2 of Loan
25.	Feb	2023	38,515	41,477	5,053	-36,424	7,565	18,752	26,318	-10,106
26.	Mar	2023	39,218	40,774	4,885	-35,889	7,565	18,445	26,010	-9,879
27.	Apr	2023	39,921	40,071	4,719	-35,352	7,061	18,138	25,198	-10,153
28.	May	2023	40,624	39,368	4,557	-34,812	7,061	17,830	24,891	-9,921
29.	Jun	2023	41,327	38,665	4,397	-34,268	7,061	17,523	24,584	-9,685
30.	Jul	2023	42,030	37,962	4,240	-33,723	7,061	17,215	24,276	-9,446
31.	Aug	2023	42,733	37,259	4,085	-33,174	7,061	16,908	23,969	-9,205
32.	Sep	2023	43,436	36,556	3,934	-32,622	7,061	16,601	23,661	-8,961
33.	Oct	2023	44,139	35,853	3,786	-32,067	7,061	16,293	23,354	-8,713
34.	Nov	2023	44,842	35,150	3,640	-31,510	7,061	15,986	23,047	-8,463
35.	Dec	2023	45,545	34,447	3,497	-30,950	7,061	15,678	22,739	-8,211
36.	Jan	2024	46,248	33,744	3,357	-30,387	7,061	15,371	22,432	-7,955
End Of Year 3 of Loan
37.	Feb	2024	46,951	33,041	3,220	-29,821	7,061	15,063	22,124	-7,696
38.	Mar	2024	47,654	32,338	3,086	-29,252	7,061	14,756	21,817	-7,435
39.	Apr	2024	48,357	31,635	2,955	-28,680	6,557	14,449	21,005	-7,675
40.	May	2024	49,060	30,932	2,826	-28,106	6,557	14,141	20,698	-7,408
41.	Jun	2024	49,763	30,229	2,701	-27,528	6,557	13,834	20,390	-7,138
42.	Jul	2024	50,466	29,526	2,578	-26,948	6,557	13,526	20,083	-6,865
43.	Aug	2024	51,169	28,823	2,458	-26,365	6,557	13,219	19,775	-6,590
44.	Sep	2024	51,872	28,120	2,341	-25,779	6,557	12,912	19,468	-6,311
45.	Oct	2024	52,575	27,417	2,227	-25,190	6,557	12,604	19,161	-6,030
46.	Nov	2024	53,278	26,714	2,116	-24,599	6,557	12,297	18,853	-5,745
47.	Dec	2024	53,981	26,011	2,007	-24,004	6,557	11,989	18,546	-5,458
48.	Jan	2025	54,684	25,308	1,901	-23,407	6,557	11,682	18,238	-5,168
End Of Year 4 of Loan
49.	Feb	2025	55,387	24,605	1,799	-22,806	6,557	11,374	17,931	-4,875
50.	Mar	2025	56,090	23,902	1,699	-22,203	6,557	11,067	17,624	-4,580
51.	Apr	2025	56,793	23,199	1,602	-21,597	6,052	10,760	16,812	-4,786
52.	May	2025	57,496	22,496	1,507	-20,989	6,052	10,452	16,504	-4,484
53.	Jun	2025	58,199	21,793	1,416	-20,377	6,052	10,145	16,197	-4,180
54.	Jul	2025	58,902	21,090	1,328	-19,763	6,052	9,837	15,890	-3,873
55.	Aug	2025	59,605	20,387	1,242	-19,145	6,052	9,530	15,582	-3,563
56.	Sep	2025	60,308	19,684	1,159	-18,525	6,052	9,223	15,275	-3,250
57.	Oct	2025	61,011	18,981	1,079	-17,902	6,052	8,915	14,967	-2,935
58.	Nov	2025	61,714	18,278	1,002	-17,276	6,052	8,608	14,660	-2,616
59.	Dec	2025	62,417	17,575	928	-16,647	6,052	8,300	14,352	-2,295
60.	Jan	2026	63,120	16,872	856	-16,016	6,052	7,993	14,045	-1,971
End Of Year 5 of Loan
61.	Feb	2026	63,823	16,169	788	-15,381	6,052	7,685	13,738	-1,643
62.	Mar	2026	64,526	15,466	722	-14,744	6,052	7,378	13,430	-1,314
63.	Apr	2026	65,229	14,763	659	-14,104	5,548	7,071	12,618	-1,485
64.	May	2026	65,932	14,060	600	-13,461	5,548	6,763	12,311	-1,149
65.	Jun	2026	66,635	13,357	542	-12,815	5,548	6,456	12,004	-811
66.	Jul	2026	67,338	12,654	488	-12,166	5,548	6,148	11,696	-470
67.	Aug	2026	68,041	11,951	437	-11,514	5,548	5,841	11,389	-125
68.	Sep	2026	68,744	11,248	388	-10,860	5,548	5,534	11,081	222	Break Even
69.	Oct	2026	69,447	10,545	343	-10,202	5,548	5,226	10,774	571
70.	Nov	2026	70,150	9,842	300	-9,542	5,548	4,919	10,467	924
71.	Dec	2026	70,853	9,139	260	-8,879	5,548	4,611	10,159	1,280
72.	Jan	2027	71,556	8,436	223	-8,213	5,548	4,304	9,852	1,638
End Of Year 6 of Loan
73.	Feb	2027	72,259	7,733	188	-7,545	5,548	3,996	9,544	2,000
74.	Mar	2027	72,962	7,030	157	-6,873	5,548	3,689	9,237	2,364
75.	Apr	2027	73,665	6,327	128	-6,199	5,044	3,382	8,425	2,227
76.	May	2027	74,368	5,624	103	-5,521	5,044	3,074	8,118	2,596
77.	Jun	2027	75,071	4,921	80	-4,841	5,044	2,767	7,810	2,969
78.	Jul	2027	75,774	4,218	60	-4,158	5,044	2,459	7,503	3,345
79.	Aug	2027	76,477	3,515	43	-3,472	5,044	2,152	7,195	3,723
80.	Sep	2027	77,180	2,812	29	-2,783	5,044	1,845	6,888	4,105
81.	Oct	2027	77,883	2,109	17	-2,092	5,044	1,537	6,581	4,489
82.	Nov	2027	78,586	1,406	9	-1,397	5,044	1,230	6,273	4,876
83.	Dec	2027	79,289	703	3	-700	5,044	922	5,966	5,266
84.	Jan	2028	79,992	0	0	0	5,044	615	5,658	5,658	Loan Fully Paid
85.	Feb	2028	79,992	0	0	0	5,044	307	5,351	5,351
86.	Mar	2028	79,992	0	0	0	5,044	0	5,044	5,044

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'.
Feb	2021	-48,397	33,696	-14,701
Mar	2021	-47,931	33,388	-14,543
Apr	2021	-47,462	33,081	-14,381
May	2021	-46,990	32,773	-14,217
Jun	2021	-46,516	32,466	-14,050
Jul	2021	-46,038	32,159	-13,879
Aug	2021	-45,558	31,851	-13,707
Sep	2021	-45,075	31,544	-13,531
Oct	2021	-44,589	31,236	-13,352
Nov	2021	-44,100	30,929	-13,171
Dec	2021	-43,608	30,622	-12,986
Jan	2022	-43,113	30,314	-12,799
End Of Year 1 of Loan
Feb	2022	-42,616	30,007	-12,609
Mar	2022	-42,116	29,699	-12,416
Apr	2022	-41,612	29,392	-12,221
May	2022	-41,106	29,084	-12,022
Jun	2022	-40,598	28,777	-11,821
Jul	2022	-40,086	28,470	-11,616
Aug	2022	-39,571	28,162	-11,409
Sep	2022	-39,054	27,855	-11,199
Oct	2022	-38,534	27,547	-10,986
Nov	2022	-38,010	27,240	-10,770
Dec	2022	-37,484	26,933	-10,552
Jan	2023	-36,956	26,625	-10,330
End Of Year 2 of Loan
Feb	2023	-36,424	26,318	-10,106
Mar	2023	-35,889	26,010	-9,879
Apr	2023	-35,352	25,198	-10,153
May	2023	-34,812	24,891	-9,921
Jun	2023	-34,268	24,584	-9,685
Jul	2023	-33,723	24,276	-9,446
Aug	2023	-33,174	23,969	-9,205
Sep	2023	-32,622	23,661	-8,961
Oct	2023	-32,067	23,354	-8,713
Nov	2023	-31,510	23,047	-8,463
Dec	2023	-30,950	22,739	-8,211
Jan	2024	-30,387	22,432	-7,955
End Of Year 3 of Loan
Feb	2024	-29,821	22,124	-7,696
Mar	2024	-29,252	21,817	-7,435
Apr	2024	-28,680	21,005	-7,675
May	2024	-28,106	20,698	-7,408
Jun	2024	-27,528	20,390	-7,138
Jul	2024	-26,948	20,083	-6,865
Aug	2024	-26,365	19,775	-6,590
Sep	2024	-25,779	19,468	-6,311
Oct	2024	-25,190	19,161	-6,030
Nov	2024	-24,599	18,853	-5,745
Dec	2024	-24,004	18,546	-5,458
Jan	2025	-23,407	18,238	-5,168
End Of Year 4 of Loan
Feb	2025	-22,806	17,931	-4,875
Mar	2025	-22,203	17,624	-4,580
Apr	2025	-21,597	16,812	-4,786
May	2025	-20,989	16,504	-4,484
Jun	2025	-20,377	16,197	-4,180
Jul	2025	-19,763	15,890	-3,873
Aug	2025	-19,145	15,582	-3,563
Sep	2025	-18,525	15,275	-3,250
Oct	2025	-17,902	14,967	-2,935
Nov	2025	-17,276	14,660	-2,616
Dec	2025	-16,647	14,352	-2,295
Jan	2026	-16,016	14,045	-1,971
End Of Year 5 of Loan
Feb	2026	-15,381	13,738	-1,643
Mar	2026	-14,744	13,430	-1,314
Apr	2026	-14,104	12,618	-1,485
May	2026	-13,461	12,311	-1,149
Jun	2026	-12,815	12,004	-811
Jul	2026	-12,166	11,696	-470
Aug	2026	-11,514	11,389	-125
Sep	2026	-10,860	11,081	222
Oct	2026	-10,202	10,774	571
Nov	2026	-9,542	10,467	924
Dec	2026	-8,879	10,159	1,280
Jan	2027	-8,213	9,852	1,638
End Of Year 6 of Loan
Feb	2027	-7,545	9,544	2,000
Mar	2027	-6,873	9,237	2,364
Apr	2027	-6,199	8,425	2,227
May	2027	-5,521	8,118	2,596
Jun	2027	-4,841	7,810	2,969
Jul	2027	-4,158	7,503	3,345
Aug	2027	-3,472	7,195	3,723
Sep	2027	-2,783	6,888	4,105
Oct	2027	-2,092	6,581	4,489
Nov	2027	-1,397	6,273	4,876
Dec	2027	-700	5,966	5,266
Jan	2028	0	5,658	5,658
Feb	2028	0	5,351	5,351
Mar	2028	0	5,044	5,044

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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