$78,800

Used Car Loan Calculator

» Updated for MAS Restrictions on 26 May 2016

$
$
 of Car Price
11 Jun 2018 (6 years, 7 months remaining)
Months
(6 years, 7 months )
%

$13,488 Information
Based on this OMV and registration date, this car is eligible for minimum 30% down payment.
$37,989
PARF Car  (min PARF 50% of ARF)

Results

Financial Commitment

Car Price
$78,800
Monthly Installment
$835.21 /month for 6 years, 7 months (79 months) Information

Upfront Payment

Transfer Fee
$25
Down Payment
$23,640 (30% of Car Price)
1st Installment
$835.21
Total Upfront Payment
$24,500.21

Loan Details

Total Loan
$55,160 Information
Total Interest
$10,821 Information
Total Sum Paid
$65,981 at the end of 6 years, 7 months (79 months)

Other Car Financial Details

COE
$37,989 Information
ARF Paid
$13,488 Information
PARF Rebate
You get back $6,744 at the end of 10th year (PARF Rebate) Information
Annual Depreciation
$11,046 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'.
Jan 2023 -54,595 34,809 -19,786
Feb 2023 -54,027 34,492 -19,535
Mar 2023 -53,456 34,176 -19,280
Apr 2023 -52,881 33,859 -19,022
May 2023 -52,302 33,543 -18,760
Jun 2023 -51,721 33,226 -18,495
Jul 2023 -51,135 32,909 -18,226
Aug 2023 -50,547 32,593 -17,954
Sep 2023 -49,955 32,276 -17,678
Oct 2023 -49,359 31,960 -17,400
Nov 2023 -48,760 31,643 -17,117
Dec 2023 -48,158 31,327 -16,831
End Of Year 1 of Loan
Jan 2024 -47,552 31,010 -16,542
Feb 2024 -46,943 30,693 -16,250
Mar 2024 -46,330 30,377 -15,954
Apr 2024 -45,714 30,060 -15,654
May 2024 -45,095 29,744 -15,351
Jun 2024 -44,472 29,427 -15,045
Jul 2024 -43,846 29,111 -14,735
Aug 2024 -43,216 28,120 -15,096
Sep 2024 -42,583 27,803 -14,780
Oct 2024 -41,946 27,486 -14,460
Nov 2024 -41,306 27,170 -14,136
Dec 2024 -40,663 26,853 -13,809
End Of Year 2 of Loan
Jan 2025 -40,016 26,537 -13,479
Feb 2025 -39,366 26,220 -13,145
Mar 2025 -38,712 25,904 -12,808
Apr 2025 -38,055 25,587 -12,468
May 2025 -37,394 25,270 -12,124
Jun 2025 -36,730 24,954 -11,776
Jul 2025 -36,063 24,637 -11,426
Aug 2025 -35,392 23,646 -11,746
Sep 2025 -34,718 23,330 -11,388
Oct 2025 -34,040 23,013 -11,027
Nov 2025 -33,359 22,697 -10,662
Dec 2025 -32,674 22,380 -10,294
End Of Year 3 of Loan
Jan 2026 -31,986 22,063 -9,923
Feb 2026 -31,295 21,747 -9,548
Mar 2026 -30,600 21,430 -9,170
Apr 2026 -29,902 21,114 -8,788
May 2026 -29,200 20,797 -8,403
Jun 2026 -28,495 20,480 -8,015
Jul 2026 -27,787 20,164 -7,623
Aug 2026 -27,075 19,173 -7,902
Sep 2026 -26,360 18,856 -7,503
Oct 2026 -25,641 18,540 -7,101
Nov 2026 -24,919 18,223 -6,695
Dec 2026 -24,193 17,907 -6,286
End Of Year 4 of Loan
Jan 2027 -23,464 17,590 -5,874
Feb 2027 -22,731 17,273 -5,458
Mar 2027 -21,995 16,957 -5,039
Apr 2027 -21,256 16,640 -4,616
May 2027 -20,513 16,324 -4,190
Jun 2027 -19,767 16,007 -3,760
Jul 2027 -19,018 15,691 -3,327
Aug 2027 -18,265 14,700 -3,565
Sep 2027 -17,508 14,383 -3,125
Oct 2027 -16,748 14,066 -2,682
Nov 2027 -15,985 13,750 -2,235
Dec 2027 -15,218 13,433 -1,785
End Of Year 5 of Loan
Jan 2028 -14,448 13,117 -1,331
Feb 2028 -13,675 12,800 -874
Mar 2028 -12,898 12,484 -414
Apr 2028 -12,117 12,167 50
May 2028 -11,333 11,850 517
Jun 2028 -10,546 11,534 988
Jul 2028 -9,755 11,217 1,462
Aug 2028 -8,961 10,226 1,265
Sep 2028 -8,164 9,910 1,746
Oct 2028 -7,363 9,593 2,230
Nov 2028 -6,558 9,277 2,718
Dec 2028 -5,751 8,960 3,209
End Of Year 6 of Loan
Jan 2029 -4,939 8,643 3,704
Feb 2029 -4,125 8,327 4,202
Mar 2029 -3,307 8,010 4,704
Apr 2029 -2,485 7,694 5,209
May 2029 -1,660 7,377 5,717
Jun 2029 -832 7,061 6,229
Jul 2029 0 6,744 6,744
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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