$198,800

Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
13 Jan 2020 (8 years remaining)
Months
(7 years)
%

$48,026 Information
Based on this OMV and registration date, this car is eligible for minimum 40% down payment.
$40,009
PARF Car  (min PARF 50% of ARF)

Results

Financial Commitment

Car Price
$198,800
Monthly Installment
$1,716.21 /month for 7 years (84 months) Information

Upfront Payment

Transfer Fee
$25
Down Payment
$79,520 (40% of Car Price)
1st Installment
$1,716.21
Total Upfront Payment
$81,261.21

Loan Details

Total Loan
$119,280 Information
Total Interest
$24,882 Information
Total Sum Paid
$144,162 at the end of 7 years (84 months)

Other Car Financial Details

COE
$40,009 Information
ARF Paid
$59,236 Information
PARF Rebate
You get back $29,618 at the end of 10th year (PARF Rebate) Information
Annual Depreciation
$21,224 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'.
Feb 2022 -118,149 67,693 -50,456
Mar 2022 -117,012 67,360 -49,652
Apr 2022 -115,867 67,026 -48,840
May 2022 -114,715 66,693 -48,022
Jun 2022 -113,557 66,360 -47,197
Jul 2022 -112,391 66,026 -46,365
Aug 2022 -111,218 65,693 -45,525
Sep 2022 -110,039 65,359 -44,679
Oct 2022 -108,852 65,026 -43,826
Nov 2022 -107,659 64,693 -42,966
Dec 2022 -106,458 64,359 -42,099
Jan 2023 -105,251 64,026 -41,225
End Of Year 1 of Loan
Feb 2023 -104,037 63,692 -40,344
Mar 2023 -102,815 63,359 -39,456
Apr 2023 -101,587 63,026 -38,561
May 2023 -100,352 62,692 -37,659
Jun 2023 -99,109 62,359 -36,750
Jul 2023 -97,860 62,025 -35,835
Aug 2023 -96,604 61,692 -34,912
Sep 2023 -95,341 61,359 -33,982
Oct 2023 -94,070 61,025 -33,045
Nov 2023 -92,793 60,692 -32,102
Dec 2023 -91,509 60,358 -31,151
Jan 2024 -90,218 60,025 -30,193
End Of Year 2 of Loan
Feb 2024 -88,920 59,691 -29,229
Mar 2024 -87,615 59,358 -28,257
Apr 2024 -86,303 59,025 -27,279
May 2024 -84,984 58,691 -26,293
Jun 2024 -83,658 58,358 -25,300
Jul 2024 -82,325 58,024 -24,301
Aug 2024 -80,986 57,691 -23,295
Sep 2024 -79,639 57,358 -22,281
Oct 2024 -78,285 57,024 -21,261
Nov 2024 -76,924 56,691 -20,233
Dec 2024 -75,557 56,357 -19,199
Jan 2025 -74,182 56,024 -18,158
End Of Year 3 of Loan
Feb 2025 -72,800 53,289 -19,511
Mar 2025 -71,412 52,956 -18,456
Apr 2025 -70,016 52,622 -17,393
May 2025 -68,613 52,289 -16,324
Jun 2025 -67,204 51,956 -15,248
Jul 2025 -65,787 51,622 -14,165
Aug 2025 -64,364 51,289 -13,075
Sep 2025 -62,933 50,955 -11,978
Oct 2025 -61,496 50,622 -10,874
Nov 2025 -60,052 50,289 -9,763
Dec 2025 -58,600 49,955 -8,645
Jan 2026 -57,142 49,622 -7,520
End Of Year 4 of Loan
Feb 2026 -55,677 46,887 -8,789
Mar 2026 -54,204 46,554 -7,651
Apr 2026 -52,725 46,220 -6,505
May 2026 -51,239 45,887 -5,352
Jun 2026 -49,746 45,553 -4,192
Jul 2026 -48,245 45,220 -3,025
Aug 2026 -46,738 44,887 -1,852
Sep 2026 -45,224 44,553 -671
Oct 2026 -43,703 44,220 517
Nov 2026 -42,175 43,886 1,711
Dec 2026 -40,640 43,553 2,913
Jan 2027 -39,098 43,220 4,121
End Of Year 5 of Loan
Feb 2027 -37,549 40,485 2,936
Mar 2027 -35,993 40,151 4,158
Apr 2027 -34,430 39,818 5,388
May 2027 -32,861 39,485 6,624
Jun 2027 -31,284 39,151 7,867
Jul 2027 -29,700 38,818 9,118
Aug 2027 -28,109 38,484 10,375
Sep 2027 -26,512 38,151 11,640
Oct 2027 -24,907 37,818 12,911
Nov 2027 -23,295 37,484 14,189
Dec 2027 -21,677 37,151 15,474
Jan 2028 -20,051 36,817 16,766
End Of Year 6 of Loan
Feb 2028 -18,418 34,083 15,664
Mar 2028 -16,779 33,749 16,970
Apr 2028 -15,132 33,416 18,284
May 2028 -13,479 33,082 19,604
Jun 2028 -11,818 32,749 20,931
Jul 2028 -10,151 32,416 22,265
Aug 2028 -8,477 32,082 23,606
Sep 2028 -6,795 31,749 24,954
Oct 2028 -5,107 31,415 26,309
Nov 2028 -3,412 31,082 27,671
Dec 2028 -1,709 30,749 29,039
Jan 2029 0 30,415 30,415
Feb 2029 0 27,680 27,680
Mar 2029 0 27,347 27,347
Apr 2029 0 27,014 27,014
May 2029 0 26,680 26,680
Jun 2029 0 26,347 26,347
Jul 2029 0 26,013 26,013
Aug 2029 0 25,680 25,680
Sep 2029 0 25,347 25,347
Oct 2029 0 25,013 25,013
Nov 2029 0 24,680 24,680
Dec 2029 0 24,346 24,346
Jan 2030 0 24,013 24,013
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.

Browse by Car Make