$136,888

Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
29 Apr 2019 (7 years, 5 months remaining)
Months
(7 years)
%

$34,693 Information
Based on this OMV and registration date, this car is eligible for minimum 40% down payment.
$48,000
PARF Car  (min PARF 50% of ARF)

Results

Financial Commitment

Car Price
$136,888
Monthly Installment
$1,181.73 /month for 7 years (84 months) Information

Upfront Payment

Transfer Fee
$25
Down Payment
$54,755 (40% of Car Price)
1st Installment
$1,181.73
Total Upfront Payment
$55,961.93

Loan Details

Total Loan
$82,133 Information
Total Interest
$17,133 Information
Total Sum Paid
$99,266 at the end of 7 years (84 months)

Other Car Financial Details

COE
$48,000 Information
ARF Paid
$40,570 Information
PARF Rebate
You get back $20,285 at the end of 10th year (PARF Rebate) Information
Annual Depreciation
$15,735 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'.
Dec 2021 -81,354 61,220 -20,134
Jan 2022 -80,571 60,820 -19,751
Feb 2022 -79,783 60,420 -19,363
Mar 2022 -78,990 60,020 -18,970
Apr 2022 -78,192 59,620 -18,572
May 2022 -77,389 59,220 -18,169
Jun 2022 -76,582 58,820 -17,762
Jul 2022 -75,770 58,420 -17,350
Aug 2022 -74,953 58,020 -16,933
Sep 2022 -74,131 57,620 -16,511
Oct 2022 -73,304 57,220 -16,084
Nov 2022 -72,473 56,820 -15,653
End Of Year 1 of Loan
Dec 2022 -71,637 56,420 -15,217
Jan 2023 -70,796 56,020 -14,776
Feb 2023 -69,950 55,620 -14,330
Mar 2023 -69,099 55,220 -13,879
Apr 2023 -68,244 54,820 -13,424
May 2023 -67,384 54,420 -12,964
Jun 2023 -66,519 54,020 -12,499
Jul 2023 -65,649 53,620 -12,029
Aug 2023 -64,774 53,220 -11,554
Sep 2023 -63,895 52,820 -11,075
Oct 2023 -63,011 52,420 -10,591
Nov 2023 -62,122 52,020 -10,102
End Of Year 2 of Loan
Dec 2023 -61,228 51,620 -9,608
Jan 2024 -60,329 51,220 -9,110
Feb 2024 -59,426 50,820 -8,606
Mar 2024 -58,518 50,420 -8,098
Apr 2024 -57,605 50,020 -7,585
May 2024 -56,687 47,885 -8,802
Jun 2024 -55,764 47,485 -8,279
Jul 2024 -54,837 47,085 -7,752
Aug 2024 -53,905 46,685 -7,220
Sep 2024 -52,968 46,285 -6,683
Oct 2024 -52,026 45,885 -6,141
Nov 2024 -51,079 45,485 -5,594
End Of Year 3 of Loan
Dec 2024 -50,128 45,085 -5,043
Jan 2025 -49,172 44,685 -4,487
Feb 2025 -48,211 44,285 -3,926
Mar 2025 -47,245 43,885 -3,360
Apr 2025 -46,275 43,485 -2,790
May 2025 -45,299 41,350 -3,949
Jun 2025 -44,319 40,950 -3,369
Jul 2025 -43,334 40,550 -2,784
Aug 2025 -42,344 40,150 -2,194
Sep 2025 -41,350 39,750 -1,599
Oct 2025 -40,350 39,350 -1,000
Nov 2025 -39,346 38,950 -396
End Of Year 4 of Loan
Dec 2025 -38,337 38,550 213
Jan 2026 -37,323 38,150 827
Feb 2026 -36,305 37,750 1,446
Mar 2026 -35,282 37,350 2,069
Apr 2026 -34,253 36,950 2,697
May 2026 -33,220 34,816 1,595
Jun 2026 -32,183 34,416 2,233
Jul 2026 -31,140 34,016 2,876
Aug 2026 -30,093 33,616 3,523
Sep 2026 -29,041 33,216 4,175
Oct 2026 -27,984 32,816 4,832
Nov 2026 -26,922 32,416 5,494
End Of Year 5 of Loan
Dec 2026 -25,855 32,016 6,160
Jan 2027 -24,784 31,616 6,832
Feb 2027 -23,708 31,216 7,508
Mar 2027 -22,627 30,816 8,189
Apr 2027 -21,541 30,416 8,875
May 2027 -20,451 28,281 7,831
Jun 2027 -19,355 27,881 8,526
Jul 2027 -18,255 27,481 9,226
Aug 2027 -17,150 27,081 9,931
Sep 2027 -16,040 26,681 10,641
Oct 2027 -14,926 26,281 11,355
Nov 2027 -13,806 25,881 12,075
End Of Year 6 of Loan
Dec 2027 -12,682 25,481 12,799
Jan 2028 -11,553 25,081 13,528
Feb 2028 -10,420 24,681 14,262
Mar 2028 -9,281 24,281 15,000
Apr 2028 -8,138 23,881 15,743
May 2028 -6,990 21,747 14,757
Jun 2028 -5,837 21,347 15,510
Jul 2028 -4,679 20,947 16,268
Aug 2028 -3,516 20,547 17,030
Sep 2028 -2,349 20,147 17,797
Oct 2028 -1,177 19,747 18,570
Nov 2028 0 19,347 19,347
Dec 2028 0 18,947 18,947
Jan 2029 0 18,547 18,547
Feb 2029 0 18,147 18,147
Mar 2029 0 17,747 17,747
Apr 2029 0 17,347 17,347
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