$97,800

Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
14 Feb 2017 (7 years, 3 months remaining)
Months
(7 years)
%

$31,592 Information
Based on this OMV and registration date, this car is eligible for minimum 40% down payment.
$48,209
PARF Car  (min PARF 50% of ARF)

Results

Financial Commitment

Car Price
$97,800
Monthly Installment
$844.29 /month for 7 years (84 months) Information

Upfront Payment

Transfer Fee
$25
Down Payment
$39,120 (40% of Car Price)
1st Installment
$844.29
Total Upfront Payment
$39,989.29

Loan Details

Total Loan
$58,680 Information
Total Interest
$12,241 Information
Total Sum Paid
$70,921 at the end of 7 years (84 months)

Other Car Financial Details

COE
$48,209 Information
ARF Paid
$36,229 Information
PARF Rebate
You get back $18,114 at the end of 10th year (PARF Rebate) Information
Annual Depreciation
$11,080 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 -58,124 58,244 120
Feb 2021 -57,564 57,842 278
Mar 2021 -57,001 57,440 439
Apr 2021 -56,434 57,039 604
May 2021 -55,864 56,637 772
Jun 2021 -55,291 56,235 944
Jul 2021 -54,714 55,833 1,119
Aug 2021 -54,134 55,432 1,298
Sep 2021 -53,550 55,030 1,480
Oct 2021 -52,963 54,628 1,665
Nov 2021 -52,372 54,226 1,854
Dec 2021 -51,778 53,825 2,046
End Of Year 1 of Loan
Jan 2022 -51,181 53,423 2,242
Feb 2022 -50,580 53,021 2,441
Mar 2022 -49,976 52,619 2,644
Apr 2022 -49,368 52,218 2,850
May 2022 -48,757 51,816 3,059
Jun 2022 -48,142 51,414 3,272
Jul 2022 -47,524 51,012 3,488
Aug 2022 -46,903 50,611 3,708
Sep 2022 -46,278 50,209 3,931
Oct 2022 -45,650 49,807 4,157
Nov 2022 -45,018 49,405 4,387
Dec 2022 -44,383 49,004 4,621
End Of Year 2 of Loan
Jan 2023 -43,744 48,602 4,858
Feb 2023 -43,102 48,200 5,098
Mar 2023 -42,457 47,799 5,342
Apr 2023 -41,808 45,817 4,009
May 2023 -41,156 45,415 4,260
Jun 2023 -40,500 45,014 4,514
Jul 2023 -39,841 44,612 4,771
Aug 2023 -39,178 44,210 5,032
Sep 2023 -38,512 43,808 5,296
Oct 2023 -37,843 43,407 5,564
Nov 2023 -37,170 43,005 5,835
Dec 2023 -36,494 42,603 6,109
End Of Year 3 of Loan
Jan 2024 -35,814 42,201 6,387
Feb 2024 -35,131 41,800 6,669
Mar 2024 -34,444 41,398 6,954
Apr 2024 -33,754 39,417 5,662
May 2024 -33,061 39,015 5,954
Jun 2024 -32,364 38,613 6,249
Jul 2024 -31,664 38,211 6,548
Aug 2024 -30,960 37,810 6,850
Sep 2024 -30,253 37,408 7,155
Oct 2024 -29,542 37,006 7,464
Nov 2024 -28,828 36,604 7,776
Dec 2024 -28,111 36,203 8,092
End Of Year 4 of Loan
Jan 2025 -27,390 35,801 8,411
Feb 2025 -26,666 35,399 8,733
Mar 2025 -25,938 34,998 9,059
Apr 2025 -25,207 33,016 7,809
May 2025 -24,472 32,614 8,142
Jun 2025 -23,734 32,213 8,478
Jul 2025 -22,993 31,811 8,818
Aug 2025 -22,248 31,409 9,161
Sep 2025 -21,500 31,007 9,508
Oct 2025 -20,748 30,606 9,858
Nov 2025 -19,993 30,204 10,211
Dec 2025 -19,234 29,802 10,568
End Of Year 5 of Loan
Jan 2026 -18,472 29,400 10,928
Feb 2026 -17,707 28,999 11,292
Mar 2026 -16,938 28,597 11,659
Apr 2026 -16,166 26,616 10,450
May 2026 -15,390 26,214 10,824
Jun 2026 -14,611 25,812 11,201
Jul 2026 -13,828 25,410 11,582
Aug 2026 -13,042 25,009 11,966
Sep 2026 -12,253 24,607 12,354
Oct 2026 -11,460 24,205 12,745
Nov 2026 -10,664 23,803 13,140
Dec 2026 -9,864 23,402 13,538
End Of Year 6 of Loan
Jan 2027 -9,061 23,000 13,939
Feb 2027 -8,254 22,598 14,344
Mar 2027 -7,444 22,197 14,752
Apr 2027 -6,631 20,215 13,584
May 2027 -5,814 19,813 13,999
Jun 2027 -4,994 19,412 14,418
Jul 2027 -4,170 19,010 14,840
Aug 2027 -3,343 18,608 15,265
Sep 2027 -2,512 18,206 15,694
Oct 2027 -1,678 17,805 16,126
Nov 2027 -841 17,403 16,562
Dec 2027 0 17,001 17,001
Jan 2028 0 16,599 16,599
Feb 2028 0 16,198 16,198
Mar 2028 0 15,796 15,796
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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