$109,800

Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
19 Aug 2016 (5 years, 9 months remaining)
Months
(5 years, 9 months )
%

$34,550 Information
Based on this OMV and registration date, this car is eligible for minimum 30% down payment.
$56,500
PARF Car  (min PARF 50% of ARF)

Results

Financial Commitment

Car Price
$109,800
Monthly Installment
$1,118.38 /month for 5 years, 9 months (69 months) Information

Upfront Payment

Transfer Fee
$25
Down Payment
$32,940 (30% of Car Price)
1st Installment
$1,118.38
Total Upfront Payment
$34,083.38

Loan Details

Total Loan
$76,860 Information
Total Interest
$11,289 Information
Total Sum Paid
$88,149 at the end of 5 years, 9 months (69 months)

Other Car Financial Details

COE
$56,500 Information
ARF Paid
$40,370 Information
PARF Rebate
You get back $20,185 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'.
Jan 2022 -65,084 57,929 -7,155
Feb 2022 -64,284 57,458 -6,825
Mar 2022 -63,478 56,988 -6,491
Apr 2022 -62,669 56,517 -6,152
May 2022 -61,854 56,046 -5,808
Jun 2022 -61,035 55,575 -5,460
Jul 2022 -60,211 55,104 -5,107
Aug 2022 -59,382 54,633 -4,749
Sep 2022 -58,549 54,163 -4,387
Oct 2022 -57,711 51,964 -5,747
Nov 2022 -56,869 51,493 -5,375
Dec 2022 -56,021 51,023 -4,999
End Of Year 1 of Loan
Jan 2023 -55,169 50,552 -4,618
Feb 2023 -54,313 50,081 -4,232
Mar 2023 -53,451 49,610 -3,841
Apr 2023 -52,585 49,139 -3,446
May 2023 -51,715 48,668 -3,046
Jun 2023 -50,839 48,198 -2,642
Jul 2023 -49,959 47,727 -2,233
Aug 2023 -49,075 47,256 -1,819
Sep 2023 -48,185 46,785 -1,400
Oct 2023 -47,291 44,587 -2,705
Nov 2023 -46,393 44,116 -2,277
Dec 2023 -45,489 43,645 -1,844
End Of Year 2 of Loan
Jan 2024 -44,581 43,174 -1,407
Feb 2024 -43,669 42,703 -965
Mar 2024 -42,751 42,233 -519
Apr 2024 -41,829 41,762 -67
May 2024 -40,902 41,291 388
Jun 2024 -39,971 40,820 849
Jul 2024 -39,035 40,349 1,314
Aug 2024 -38,094 39,878 1,784
Sep 2024 -37,149 39,408 2,259
Oct 2024 -36,199 37,209 1,011
Nov 2024 -35,244 36,738 1,494
Dec 2024 -34,284 36,268 1,983
End Of Year 3 of Loan
Jan 2025 -33,320 35,797 2,476
Feb 2025 -32,351 35,326 2,974
Mar 2025 -31,378 34,855 3,477
Apr 2025 -30,400 34,384 3,984
May 2025 -29,417 33,913 4,496
Jun 2025 -28,429 33,443 5,013
Jul 2025 -27,437 32,972 5,534
Aug 2025 -26,440 32,501 6,060
Sep 2025 -25,439 32,030 6,591
Oct 2025 -24,433 29,832 5,399
Nov 2025 -23,422 29,361 5,939
Dec 2025 -22,406 28,890 6,484
End Of Year 4 of Loan
Jan 2026 -21,386 28,419 7,033
Feb 2026 -20,361 27,948 7,587
Mar 2026 -19,332 27,478 8,146
Apr 2026 -18,297 27,007 8,709
May 2026 -17,258 26,536 9,277
Jun 2026 -16,215 26,065 9,850
Jul 2026 -15,167 25,594 10,428
Aug 2026 -14,114 25,123 11,010
Sep 2026 -13,056 24,653 11,596
Oct 2026 -11,994 22,454 10,460
Nov 2026 -10,927 21,983 11,057
Dec 2026 -9,855 21,513 11,657
End Of Year 5 of Loan
Jan 2027 -8,779 21,042 12,263
Feb 2027 -7,698 20,571 12,873
Mar 2027 -6,612 20,100 13,488
Apr 2027 -5,522 19,629 14,107
May 2027 -4,427 19,158 14,732
Jun 2027 -3,327 18,688 15,360
Jul 2027 -2,223 18,217 15,994
Aug 2027 -1,114 17,746 16,632
Sep 2027 0 17,275 17,275
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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