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Loan Calculator

BMW 2 Series 218i Convertible Sport (A)

$104,800

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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

16 May 2016 (5 years, 1 months remaining)

Loan Term

Months

(5 years, 1 months )

Interest Rate

OMV:

$31,264 Information

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

COE:

$51,010

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: $104,800
Monthly Installment: $1,186.97 /month for 5 years, 1 months (61 months)

Upfront Payment

Transfer Fee: $25
Down Payment: $31,440 (30% of Car Price)
1st Installment: $1,186.97
Total Upfront Payment: $32,651.97

Loan Details

Total Loan: $73,360
Total Interest: $9,525
Total Sum Paid: $82,885 at the end of 5 years, 1 months (61 months)

Other Car Financial Details

COE: $51,010
ARF Paid: $35,770
PARF Rebate: You get back $17,885 at the end of 10th year (PARF Rebate)
Annual Depreciation: -

				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.	May	2021	32,627	71,218	9,218	-62,000	23,448	25,505	48,953	-13,047
2.	Jun	2021	33,814	70,031	8,916	-61,116	21,885	25,080	46,965	-14,151
3.	Jul	2021	35,001	68,844	8,619	-60,226	21,885	24,655	46,540	-13,686
4.	Aug	2021	36,188	67,657	8,326	-59,331	21,885	24,230	46,115	-13,216
5.	Sep	2021	37,375	66,470	8,039	-58,431	21,885	23,805	45,689	-12,742
6.	Oct	2021	38,562	65,283	7,757	-57,526	21,885	23,380	45,264	-12,262
7.	Nov	2021	39,749	64,096	7,480	-56,616	21,885	22,955	44,839	-11,777
8.	Dec	2021	40,936	62,909	7,208	-55,701	21,885	22,529	44,414	-11,287
9.	Jan	2022	42,123	61,723	6,941	-54,781	21,885	22,104	43,989	-10,792
10.	Feb	2022	43,310	60,536	6,679	-53,856	21,885	21,679	43,564	-10,292
11.	Mar	2022	44,497	59,349	6,422	-52,926	21,885	21,254	43,139	-9,787
12.	Apr	2022	45,684	58,162	6,171	-51,991	21,885	20,829	42,714	-9,277
End Of Year 1 of Loan
13.	May	2022	46,871	56,975	5,924	-51,051	21,885	20,404	42,289	-8,762
14.	Jun	2022	48,058	55,788	5,682	-50,106	20,322	19,979	40,301	-9,805
15.	Jul	2022	49,245	54,601	5,445	-49,156	20,322	19,554	39,875	-9,280
16.	Aug	2022	50,432	53,414	5,213	-48,200	20,322	19,129	39,450	-8,750
17.	Sep	2022	51,619	52,227	4,987	-47,240	20,322	18,704	39,025	-8,215
18.	Oct	2022	52,805	51,040	4,765	-46,275	20,322	18,279	38,600	-7,674
19.	Nov	2022	53,992	49,853	4,549	-45,304	20,322	17,854	38,175	-7,129
20.	Dec	2022	55,179	48,666	4,337	-44,329	20,322	17,428	37,750	-6,579
21.	Jan	2023	56,366	47,479	4,130	-43,348	20,322	17,003	37,325	-6,023
22.	Feb	2023	57,553	46,292	3,929	-42,363	20,322	16,578	36,900	-5,463
23.	Mar	2023	58,740	45,105	3,733	-41,372	20,322	16,153	36,475	-4,898
24.	Apr	2023	59,927	43,918	3,541	-40,377	20,322	15,728	36,050	-4,327
End Of Year 2 of Loan
25.	May	2023	61,114	42,731	3,355	-39,376	20,322	15,303	35,625	-3,752
26.	Jun	2023	62,301	41,544	3,173	-38,371	18,758	14,878	33,636	-4,734
27.	Jul	2023	63,488	40,357	2,997	-37,360	18,758	14,453	33,211	-4,149
28.	Aug	2023	64,675	39,170	2,826	-36,344	18,758	14,028	32,786	-3,558
29.	Sep	2023	65,862	37,983	2,660	-35,323	18,758	13,603	32,361	-2,962
30.	Oct	2023	67,049	36,796	2,498	-34,298	18,758	13,178	31,936	-2,362
31.	Nov	2023	68,236	35,609	2,342	-33,267	18,758	12,753	31,511	-1,756
32.	Dec	2023	69,423	34,422	2,191	-32,231	18,758	12,327	31,086	-1,145
33.	Jan	2024	70,610	33,235	2,045	-31,190	18,758	11,902	30,661	-529
34.	Feb	2024	71,797	32,048	1,904	-30,144	18,758	11,477	30,236	91	Break Even
35.	Mar	2024	72,984	30,861	1,768	-29,093	18,758	11,052	29,811	717
36.	Apr	2024	74,171	29,674	1,637	-28,037	18,758	10,627	29,385	1,348
End Of Year 3 of Loan
37.	May	2024	75,358	28,487	1,511	-26,976	18,758	10,202	28,960	1,984
38.	Jun	2024	76,545	27,300	1,390	-25,910	17,195	9,777	26,972	1,062
39.	Jul	2024	77,732	26,113	1,274	-24,839	17,195	9,352	26,547	1,708
40.	Aug	2024	78,919	24,926	1,164	-23,763	17,195	8,927	26,122	2,359
41.	Sep	2024	80,106	23,739	1,058	-22,682	17,195	8,502	25,697	3,015
42.	Oct	2024	81,293	22,552	957	-21,595	17,195	8,077	25,272	3,676
43.	Nov	2024	82,480	21,365	861	-20,504	17,195	7,652	24,847	4,343
44.	Dec	2024	83,667	20,179	771	-19,408	17,195	7,226	24,422	5,014
45.	Jan	2025	84,854	18,992	685	-18,306	17,195	6,801	23,997	5,690
46.	Feb	2025	86,041	17,805	604	-17,200	17,195	6,376	23,571	6,371
47.	Mar	2025	87,228	16,618	529	-16,089	17,195	5,951	23,146	7,058
48.	Apr	2025	88,415	15,431	458	-14,972	17,195	5,526	22,721	7,749
End Of Year 4 of Loan
49.	May	2025	89,602	14,244	393	-13,851	17,195	5,101	22,296	8,445
50.	Jun	2025	90,789	13,057	332	-12,724	15,632	4,676	20,308	7,584
51.	Jul	2025	91,976	11,870	277	-11,593	15,632	4,251	19,883	8,290
52.	Aug	2025	93,163	10,683	227	-10,456	15,632	3,826	19,458	9,002
53.	Sep	2025	94,349	9,496	181	-9,314	15,632	3,401	19,033	9,718
54.	Oct	2025	95,536	8,309	141	-8,168	15,632	2,976	18,608	10,440
55.	Nov	2025	96,723	7,122	106	-7,016	15,632	2,551	18,183	11,166
56.	Dec	2025	97,910	5,935	76	-5,859	15,632	2,125	17,757	11,898
57.	Jan	2026	99,097	4,748	50	-4,698	15,632	1,700	17,332	12,635
58.	Feb	2026	100,284	3,561	30	-3,531	15,632	1,275	16,907	13,377
59.	Mar	2026	101,471	2,374	15	-2,359	15,632	850	16,482	14,123
60.	Apr	2026	102,658	1,187	5	-1,182	15,632	425	16,057	14,875
End Of Year 5 of Loan
61.	May	2026	103,845	0	0	0	15,632	0	15,632	15,632	Loan Fully Paid

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'.
May	2021	-62,000	48,953	-13,047
Jun	2021	-61,116	46,965	-14,151
Jul	2021	-60,226	46,540	-13,686
Aug	2021	-59,331	46,115	-13,216
Sep	2021	-58,431	45,689	-12,742
Oct	2021	-57,526	45,264	-12,262
Nov	2021	-56,616	44,839	-11,777
Dec	2021	-55,701	44,414	-11,287
Jan	2022	-54,781	43,989	-10,792
Feb	2022	-53,856	43,564	-10,292
Mar	2022	-52,926	43,139	-9,787
Apr	2022	-51,991	42,714	-9,277
End Of Year 1 of Loan
May	2022	-51,051	42,289	-8,762
Jun	2022	-50,106	40,301	-9,805
Jul	2022	-49,156	39,875	-9,280
Aug	2022	-48,200	39,450	-8,750
Sep	2022	-47,240	39,025	-8,215
Oct	2022	-46,275	38,600	-7,674
Nov	2022	-45,304	38,175	-7,129
Dec	2022	-44,329	37,750	-6,579
Jan	2023	-43,348	37,325	-6,023
Feb	2023	-42,363	36,900	-5,463
Mar	2023	-41,372	36,475	-4,898
Apr	2023	-40,377	36,050	-4,327
End Of Year 2 of Loan
May	2023	-39,376	35,625	-3,752
Jun	2023	-38,371	33,636	-4,734
Jul	2023	-37,360	33,211	-4,149
Aug	2023	-36,344	32,786	-3,558
Sep	2023	-35,323	32,361	-2,962
Oct	2023	-34,298	31,936	-2,362
Nov	2023	-33,267	31,511	-1,756
Dec	2023	-32,231	31,086	-1,145
Jan	2024	-31,190	30,661	-529
Feb	2024	-30,144	30,236	91
Mar	2024	-29,093	29,811	717
Apr	2024	-28,037	29,385	1,348
End Of Year 3 of Loan
May	2024	-26,976	28,960	1,984
Jun	2024	-25,910	26,972	1,062
Jul	2024	-24,839	26,547	1,708
Aug	2024	-23,763	26,122	2,359
Sep	2024	-22,682	25,697	3,015
Oct	2024	-21,595	25,272	3,676
Nov	2024	-20,504	24,847	4,343
Dec	2024	-19,408	24,422	5,014
Jan	2025	-18,306	23,997	5,690
Feb	2025	-17,200	23,571	6,371
Mar	2025	-16,089	23,146	7,058
Apr	2025	-14,972	22,721	7,749
End Of Year 4 of Loan
May	2025	-13,851	22,296	8,445
Jun	2025	-12,724	20,308	7,584
Jul	2025	-11,593	19,883	8,290
Aug	2025	-10,456	19,458	9,002
Sep	2025	-9,314	19,033	9,718
Oct	2025	-8,168	18,608	10,440
Nov	2025	-7,016	18,183	11,166
Dec	2025	-5,859	17,757	11,898
Jan	2026	-4,698	17,332	12,635
Feb	2026	-3,531	16,907	13,377
Mar	2026	-2,359	16,482	14,123
Apr	2026	-1,182	16,057	14,875
End Of Year 5 of Loan
May	2026	0	15,632	15,632

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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