$48,800

Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
9 Sep 2016 (5 years remaining)
Months
(5 years)
%

$19,027 Information
Based on this OMV and registration date, this car is eligible for minimum 30% down payment.
$53,334
PARF Car  (min PARF 50% of ARF)

Results

Financial Commitment

Car Price
$48,800
Monthly Installment
$654.16 /month for 5 years (60 months) Information

Upfront Payment

Transfer Fee
$25
Down Payment
$14,640 (30% of Car Price)
1st Installment
$654.16
Total Upfront Payment
$15,319.16

Loan Details

Total Loan
$34,160 Information
Total Interest
$5,090 Information
Total Sum Paid
$39,250 at the end of 5 years (60 months)

Other Car Financial Details

COE
$53,334 Information
ARF Paid
$19,027 Information
PARF Rebate
You get back $9,514 at the end of 10th year (PARF Rebate) Information
Annual Depreciation
$8,062 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 -33,673 39,541 5,869
Dec 2021 -33,183 39,097 5,914
Jan 2022 -32,690 38,653 5,963
Feb 2022 -32,194 38,208 6,014
Mar 2022 -31,696 37,764 6,068
Apr 2022 -31,195 37,319 6,125
May 2022 -30,691 36,875 6,184
Jun 2022 -30,184 36,430 6,246
Jul 2022 -29,674 35,986 6,312
Aug 2022 -29,162 35,541 6,379
Sep 2022 -28,647 35,097 6,450
Oct 2022 -28,129 34,653 6,523
End Of Year 1 of Loan
Nov 2022 -27,608 33,257 5,648
Dec 2022 -27,085 32,812 5,727
Jan 2023 -26,559 32,368 5,809
Feb 2023 -26,030 31,923 5,894
Mar 2023 -25,498 31,479 5,981
Apr 2023 -24,963 31,034 6,071
May 2023 -24,426 30,590 6,164
Jun 2023 -23,886 30,146 6,260
Jul 2023 -23,343 29,701 6,358
Aug 2023 -22,797 29,257 6,459
Sep 2023 -22,249 28,812 6,563
Oct 2023 -21,698 28,368 6,670
End Of Year 2 of Loan
Nov 2023 -21,144 26,972 5,828
Dec 2023 -20,587 26,528 5,941
Jan 2024 -20,027 26,083 6,056
Feb 2024 -19,465 25,639 6,174
Mar 2024 -18,900 25,194 6,295
Apr 2024 -18,332 24,750 6,418
May 2024 -17,761 24,305 6,544
Jun 2024 -17,187 23,861 6,673
Jul 2024 -16,611 23,416 6,805
Aug 2024 -16,032 22,972 6,940
Sep 2024 -15,450 22,527 7,077
Oct 2024 -14,866 22,083 7,217
End Of Year 3 of Loan
Nov 2024 -14,278 20,687 6,409
Dec 2024 -13,688 20,243 6,555
Jan 2025 -13,095 19,798 6,703
Feb 2025 -12,499 19,354 6,855
Mar 2025 -11,901 18,909 7,009
Apr 2025 -11,299 18,465 7,166
May 2025 -10,695 18,021 7,325
Jun 2025 -10,088 17,576 7,488
Jul 2025 -9,479 17,132 7,653
Aug 2025 -8,866 16,687 7,821
Sep 2025 -8,251 16,243 7,992
Oct 2025 -7,633 15,798 8,165
End Of Year 4 of Loan
Nov 2025 -7,012 14,402 7,390
Dec 2025 -6,389 13,958 7,569
Jan 2026 -5,762 13,514 7,751
Feb 2026 -5,133 13,069 7,936
Mar 2026 -4,501 12,625 8,123
Apr 2026 -3,867 12,180 8,314
May 2026 -3,229 11,736 8,507
Jun 2026 -2,589 11,291 8,702
Jul 2026 -1,946 10,847 8,901
Aug 2026 -1,300 10,402 9,102
Sep 2026 -651 9,958 9,307
Oct 2026 0 9,514 9,514
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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