$189,000

Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
5 Jan 2009 (7 years, 4 months remaining)
Months
(7 years)
%

$31,335
COE Car  

Results

Financial Commitment

Car Price
$189,000
Monthly Installment
$1,631.61 /month for 7 years (84 months) Information

Upfront Payment

Transfer Fee
$25
Down Payment
$75,600 (40% of Car Price)
1st Installment
$1,631.61
Total Upfront Payment
$77,256.61

Loan Details

Total Loan
$113,400 Information
Total Interest
$23,655 Information
Total Sum Paid
$137,055 at the end of 7 years (84 months)

Other Car Financial Details

COE
$31,335 Information
ARF Paid
$79,298 Information
PARF Rebate
You get back $39,649 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'.
Nov 2021 -112,325 22,718 -89,607
Dec 2021 -111,243 22,457 -88,787
Jan 2022 -110,155 22,196 -87,959
Feb 2022 -109,060 21,935 -87,126
Mar 2022 -107,959 21,673 -86,285
Apr 2022 -106,851 21,412 -85,438
May 2022 -105,736 21,151 -84,585
Jun 2022 -104,614 20,890 -83,724
Jul 2022 -103,486 20,629 -82,857
Aug 2022 -102,352 20,368 -81,984
Sep 2022 -101,210 20,107 -81,104
Oct 2022 -100,062 19,846 -80,217
End Of Year 1 of Loan
Nov 2022 -98,908 19,584 -79,324
Dec 2022 -97,747 19,323 -78,424
Jan 2023 -96,579 19,062 -77,517
Feb 2023 -95,405 18,801 -76,604
Mar 2023 -94,224 18,540 -75,684
Apr 2023 -93,036 18,279 -74,757
May 2023 -91,842 18,018 -73,824
Jun 2023 -90,641 17,757 -72,884
Jul 2023 -89,433 17,495 -71,938
Aug 2023 -88,219 17,234 -70,985
Sep 2023 -86,998 16,973 -70,025
Oct 2023 -85,771 16,712 -69,059
End Of Year 2 of Loan
Nov 2023 -84,537 16,451 -68,086
Dec 2023 -83,296 16,190 -67,106
Jan 2024 -82,049 15,929 -66,120
Feb 2024 -80,795 15,668 -65,127
Mar 2024 -79,534 15,406 -64,128
Apr 2024 -78,267 15,145 -63,122
May 2024 -76,993 14,884 -62,109
Jun 2024 -75,713 14,623 -61,090
Jul 2024 -74,426 14,362 -60,064
Aug 2024 -73,132 14,101 -59,031
Sep 2024 -71,832 13,840 -57,992
Oct 2024 -70,525 13,579 -56,946
End Of Year 3 of Loan
Nov 2024 -69,211 13,317 -55,894
Dec 2024 -67,891 13,056 -54,835
Jan 2025 -66,564 12,795 -53,769
Feb 2025 -65,231 12,534 -52,697
Mar 2025 -63,891 12,273 -51,618
Apr 2025 -62,544 12,012 -50,532
May 2025 -61,191 11,751 -49,440
Jun 2025 -59,831 11,490 -48,341
Jul 2025 -58,464 11,228 -47,236
Aug 2025 -57,091 10,967 -46,124
Sep 2025 -55,711 10,706 -45,005
Oct 2025 -54,325 10,445 -43,880
End Of Year 4 of Loan
Nov 2025 -52,932 10,184 -42,748
Dec 2025 -51,532 9,923 -41,609
Jan 2026 -50,126 9,662 -40,464
Feb 2026 -48,713 9,401 -39,312
Mar 2026 -47,293 9,139 -38,154
Apr 2026 -45,867 8,878 -36,989
May 2026 -44,434 8,617 -35,817
Jun 2026 -42,995 8,356 -34,639
Jul 2026 -41,549 8,095 -33,454
Aug 2026 -40,096 7,834 -32,262
Sep 2026 -38,637 7,573 -31,064
Oct 2026 -37,171 7,312 -29,859
End Of Year 5 of Loan
Nov 2026 -35,698 7,050 -28,648
Dec 2026 -34,219 6,789 -27,430
Jan 2027 -32,733 6,528 -26,205
Feb 2027 -31,241 6,267 -24,974
Mar 2027 -29,742 6,006 -23,736
Apr 2027 -28,236 5,745 -22,491
May 2027 -26,724 5,484 -21,240
Jun 2027 -25,205 5,223 -19,982
Jul 2027 -23,679 4,961 -18,718
Aug 2027 -22,147 4,700 -17,447
Sep 2027 -20,608 4,439 -16,169
Oct 2027 -19,062 4,178 -14,884
End Of Year 6 of Loan
Nov 2027 -17,510 3,917 -13,594
Dec 2027 -15,952 3,656 -12,296
Jan 2028 -14,386 3,395 -10,992
Feb 2028 -12,814 3,134 -9,681
Mar 2028 -11,236 2,872 -8,363
Apr 2028 -9,651 2,611 -7,039
May 2028 -8,059 2,350 -5,709
Jun 2028 -6,460 2,089 -4,371
Jul 2028 -4,855 1,828 -3,027
Aug 2028 -3,243 1,567 -1,677
Sep 2028 -1,625 1,306 -319
Oct 2028 0 1,045 1,045
Nov 2028 0 783 783
Dec 2028 0 522 522
Jan 2029 0 261 261
Feb 2029 0 0 0
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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