$68,000


Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
15 Mar 2016 (4 years, 10 months remaining)
Months
(4 years, 10 months )
%

$19,588 Information
Based on this OMV and registration date, this car is eligible for minimum 30% down payment.
$45,002
PARF Car  (min PARF 50% of ARF)

Results

Financial Commitment

Car Price
$68,000
Monthly Installment
$938.90 /month for 4 years, 10 months (58 months) Information

Upfront Payment

Transfer Fee
$25
Down Payment
$20,400 (30% of Car Price)
1st Installment
$938.90
Total Upfront Payment
$21,363.90

Loan Details

Total Loan
$47,600 Information
Total Interest
$6,856 Information
Total Sum Paid
$54,456 at the end of 4 years, 10 months (58 months)

Other Car Financial Details

COE
$45,002 Information
ARF Paid
$19,588 Information
PARF Rebate
You get back $9,794 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'.
Jun 2021 -46,894 35,088 -11,806
Jul 2021 -46,183 34,713 -11,470
Aug 2021 -45,469 34,338 -11,131
Sep 2021 -44,750 33,963 -10,787
Oct 2021 -44,027 33,587 -10,440
Nov 2021 -43,301 33,212 -10,088
Dec 2021 -42,570 32,837 -9,733
Jan 2022 -41,836 32,462 -9,373
Feb 2022 -41,097 32,087 -9,010
Mar 2022 -40,355 31,712 -8,642
Apr 2022 -39,608 30,358 -9,250
May 2022 -38,858 29,983 -8,875
End Of Year 1 of Loan
Jun 2022 -38,103 29,608 -8,495
Jul 2022 -37,345 29,233 -8,112
Aug 2022 -36,582 28,858 -7,724
Sep 2022 -35,815 28,483 -7,332
Oct 2022 -35,045 28,108 -6,937
Nov 2022 -34,270 27,733 -6,537
Dec 2022 -33,491 27,358 -6,134
Jan 2023 -32,709 26,983 -5,726
Feb 2023 -31,922 26,608 -5,314
Mar 2023 -31,132 26,233 -4,899
Apr 2023 -30,337 24,878 -5,459
May 2023 -29,538 24,503 -5,035
End Of Year 2 of Loan
Jun 2023 -28,736 24,128 -4,607
Jul 2023 -27,929 23,753 -4,176
Aug 2023 -27,118 23,378 -3,740
Sep 2023 -26,304 23,003 -3,300
Oct 2023 -25,485 22,628 -2,857
Nov 2023 -24,662 22,253 -2,409
Dec 2023 -23,836 21,878 -1,957
Jan 2024 -23,005 21,503 -1,502
Feb 2024 -22,170 21,128 -1,042
Mar 2024 -21,331 20,753 -578
Apr 2024 -20,489 19,399 -1,090
May 2024 -19,642 19,024 -618
End Of Year 3 of Loan
Jun 2024 -18,791 18,649 -142
Jul 2024 -17,936 18,274 337
Aug 2024 -17,078 17,899 821
Sep 2024 -16,215 17,524 1,309
Oct 2024 -15,348 17,149 1,801
Nov 2024 -14,477 16,774 2,296
Dec 2024 -13,603 16,399 2,796
Jan 2025 -12,724 16,024 3,300
Feb 2025 -11,841 15,649 3,808
Mar 2025 -10,954 15,274 4,319
Apr 2025 -10,063 13,919 3,856
May 2025 -9,169 13,544 4,376
End Of Year 4 of Loan
Jun 2025 -8,270 13,169 4,899
Jul 2025 -7,367 12,794 5,427
Aug 2025 -6,460 12,419 5,959
Sep 2025 -5,549 12,044 6,495
Oct 2025 -4,634 11,669 7,035
Nov 2025 -3,716 11,294 7,579
Dec 2025 -2,793 10,919 8,126
Jan 2026 -1,866 10,544 8,678
Feb 2026 -935 10,169 9,234
Mar 2026 0 9,794 9,794
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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