官方参考资料
新加坡汽车成本、融资与回扣规则
供九个相连 Interest.sg 汽车成本计算器使用的版本控制参考资料。它记录车贷价值比与年期边界、ARF、PARF、VES、EEAI、一般汽车路税、能源、私人汽车 NCD 与事故报告规则、平息借贷处理、COE 资料及注明日期的公共交通参考；报价、保险公司条款、保费、维修、电价、贷款条款、PQP、期末价值与日常成本仍由用户输入。
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新加坡金融管理局汽车贷款限制
| 公开市场价值 | 最高贷款价值比 | 最长贷款年期 |
|---|---|---|
| S$20,000 or below | 70% | 7 years |
| Above S$20,000 | 60% | 7 years |
计算器只把上限用于规划验证；最终以贷款机构的正式评估为准。
附加注册费税率表
| 公开市场价值级距 | 附加注册费税率 |
|---|---|
| 首 S$20,000 | 100% |
| Next S$20,000 | 140% |
| Next S$20,000 | 190% |
| Next S$20,000 | 250% |
| Above S$80,000 | 320% |
用户选择的 PARF 规则时期
| 拥车证／注册时期 | 不超过 5 年 | 其后每年至 10 年 | 上限 |
|---|---|---|---|
| Before second February 2023 COE exercise | 75% of ARF | 70%, 65%, 60%, 55%, 50% | No packaged cap |
| Second February 2023 to first February 2026 COE exercise | 75% of ARF | 70%, 65%, 60%, 55%, 50% | S$60,000 |
| Second February 2026 COE exercise onwards | 30% of ARF | 25%, 20%, 15%, 10%, 5% | S$30,000 |
请按适用的拥车证投标期或非拥车证车辆注册规则选择时期；Interest.sg 不会根据估计购买日期推断。
拥车证续期与 PQP 规则
| 续期情况 | 拥车证付款 | 注明日期的处理 |
|---|---|---|
| Five-year renewal | 50% of the applicable PQP, rounded up to the nearest dollar | Available once for eligible Category A, B and D vehicles; the COE cannot be renewed again after that five-year term |
| Ten-year renewal | 100% of the applicable PQP | Uses the PQP for the applicable renewal month |
| Early renewal | PQP for the month in which renewal is completed | The renewed COE starts on the first day of the following month and the unused current COE period is forfeited |
| Renewal in expiry month | PQP for the expiry month | The renewed COE starts immediately after the current COE expires |
| Renewal up to one month late | PQP for the expiry month plus the applicable late fee | The renewed COE starts immediately after the expired COE; a vehicle not renewed after one month must be disposed of |
PQP 是续期适用的现行配额溢价，并非目前拥车证投标结果。Interest.sg 要求用户选择或确认金额、组别、月份及来源状态，不会预测未来 PQP。
汽车路税车龄附加费
| 车龄 | 每年附加费 | 计算器处理 |
|---|---|---|
| More than 10 years | 10% of regular road tax | Applied only to regular road tax; not the BEV flat component or diesel special tax |
| More than 11 years | 20% of regular road tax | Applied only in the optional assisted schedule |
| More than 12 years | 30% of regular road tax | Applied only in the optional assisted schedule |
| More than 13 years | 40% of regular road tax | Applied only in the optional assisted schedule |
| More than 14 years | 50% of regular road tax | Capped at the official 50% surcharge |
车龄组别只在所列周年后改变，最高为 50%。工具 8 按已核实规格计算支持的一般私人汽车；其他类别须采用官方评定金额。
一般私人汽车动力系统路税
| 动力系统 | 已核实年度基础 | 计算器处理 |
|---|---|---|
| Petrol | Twice the official six-month engine-capacity formula | Uses verified engine capacity; fixed road tax remains at zero mileage |
| Conventional hybrid / PHEV | Higher of the engine-capacity and maximum registered motor-power formulas | Requires both supported values and uses the higher annual amount |
| BEV | Twice the official six-month motor-power formula plus the S$700 annual fixed component | Requires registered motor power; age surcharge applies to regular road tax only, not the fixed component |
| Existing diesel — pre-Euro IV | Regular engine-capacity tax plus six times the equivalent six-month petrol road tax less S$100 | Diesel special tax is calculated per six months and does not receive the age surcharge |
| Existing diesel — Euro IV | Regular engine-capacity tax plus max(S$525, S$0.625 × cc − S$100) per six months | New diesel-car registrations are not modelled; existing supported cars only |
| Existing diesel — Euro V, Euro VI or JPN2009 and later | Regular engine-capacity tax plus max(S$100, S$0.20 × cc − S$100) per six months | Later listed standards use the verified Euro V/JPN2009 rate class |
| Official payable rounding | Round each six-month regular, fixed and special-tax component up to a whole dollar; round the age surcharge separately | Annual payable amount uses two rounded six-month components; raw annualised values remain separate comparison estimates |
只支持一般私人客车。德士、摩托车与商用车辆须采用官方评定或手动金额。
2026 至 2027 年 EEAI 与 VES 组成示例
| 注册时期 | 合资格纯电车 EEAI | 认证 VES A／B／C1／C2／C3 |
|---|---|---|
| 1 Jan to 31 Dec 2026 | 45% of eligible ARF, capped at S$7,500 | −S$22,500 / S$0 / +S$7,500 / +S$22,500 / +S$35,000 |
| 1 Jan to 31 Dec 2027 | No EEAI; zero BEV ARF floor remains | −S$20,000 / S$0 / +S$15,000 / +S$30,000 / +S$45,000 |
以预计注册日期为准。必须输入认证组别，动力系统不会自动代表组别。VES 回扣降低 PARF 的 ARF 基础，附加费不会提高该基础；全包经销商报价不会再次调整。
燃油与充电计算范围
| 输入方式 | 计算 | 范围 |
|---|---|---|
| Petrol / existing diesel / HEV | Kilometres × L/100km ÷ 100, or kilometres ÷ km/L; then litres × entered GST-inclusive price | One consumption convention only |
| BEV battery use | Kilometres × battery kWh/100km ÷ 100 ÷ entered charging efficiency | Charging loss applied exactly once |
| BEV grid measured | Kilometres × grid kWh/100km ÷ 100 | No second charging-loss adjustment |
| PHEV | Partition total distance into electric and petrol distance before applying either formula | Full distance is never charged to both fuels |
| Charging mix | Weighted GST-inclusive price using visible billed-energy shares totalling 100% | No hidden home share; S$0.3478/kWh is only a Q3 2026 household fixture |
| Explicit charging fees | Electricity segment cost plus only entered session/time fees and incremental charging parking | Ordinary ownership parking and optional charger installation remain outside recurring energy cost |
2026 年第三季 EMA 受管制住家电价为每 kWh S$0.3478（含消费税），于 2026 年 9 月 11 日核实。该数值可编辑，并非公共或商业充电价格。
注明日期的公共交通成本参考
| 参考项目 | 显示金额 | 计算器处理 |
|---|---|---|
| 成人月票 | 每月 S$122 | 仅属注明日期的可选参考；由用户明确选择、更改或排除 |
月票金额并非个人车资估算。行程次数、乘客人数、网约车及其他交通成本仍由用户确认。
GIA 私人汽车 NCD 常见示例
| 情况 | 常见示例 | 计算器处理 |
|---|---|---|
| Claim-free renewal | Increase NCD by 10 percentage points after each claim-free year, capped at 50% for a private car | First no-claim renewal applies the next step; later years step up only under the explicit no-further-claims assumption |
| One claim from 50% current NCD | 20% NCD at the first renewal | Applies the reduction before any later claim-free recovery |
| One claim from 40% current NCD | 10% NCD at the first renewal | Applies the reduction before any later claim-free recovery |
| One claim from 30% or lower current NCD | 0% NCD at the first renewal | Applies the reduction before any later claim-free recovery |
| More than one claim in the policy year | Commonly 0% NCD at the first renewal | The user must explicitly select the multiple-claim assumption |
| Confirmed non-fault treatment | NCD may not necessarily be affected; insurer treatment controls | The calculator requires the user to enter the actually confirmed first-renewal NCD effect |
| NCD protector | Features differ and protection may not transfer to another insurer or prevent cancellation or non-renewal | The calculator requires the entered actual effect and never assumes an unchanged underlying or final premium |
这是 GIA 私人汽车常见示例，并非任何保险公司的特定保证。自定义时间表、承保、基础保费变化及保单条款仍须由用户确认。
汽车索赔框架报告指引
| 报告事项 | 已核实 GIA 指引 | 计算器处理 |
|---|---|---|
| Timing | Report an accident to the insurer within 24 hours or by the next working day | Displayed beside results and included in printed and downloaded reports |
| Private settlement | An accident should still be reported when a private settlement is made | Private repair and accident reporting are kept as separate decisions |
| All accidents | The Motor Claims Framework applies to accidents however small | The calculator never infers that repair value removes a reporting duty |
| Traffic Police report | A Traffic Police report is not a substitute for reporting to the insurer | Users are directed to their insurer’s actual instructions |
计算器只比较已输入成本，不判断责任、第三方责任、索赔有效性、维修厂授权或保单合规情况。
计算与隐私范围
| 规划项目 | 处理方式 |
|---|---|
| COE premium | Latest official data may be displayed, but the calculation uses the amount selected or entered by the user |
| Flat-rate financing | Shows total flat interest and an approximate effective annual rate; lender fees and settlement terms remain user-confirmed |
| Property-loan context | Uses the 55% TDSR reference to show arithmetic headroom only; never predicts loan approval |
| Financial Profile | Stores only explicitly selected bounded transport facts; a planned car remains an encrypted scenario, not a current obligation |
| Total ownership cost | Separates loan principal cash flow from vehicle value change; an inclusive market sale value is never increased again by paper value |
| Car loan comparison | Compares two or three user-entered offers by downpayment, monthly burden, total borrowing cost, derived EIR and lender-stated settlement information |
| COE, PARF and depreciation | Uses a user-confirmed QP or PQP, an explicit PARF regime and a user-entered residual value; paper value is shown separately and never added twice to an inclusive market resale value |
| 汽车与公共交通及网约车比较 | 只采用一种明确选择的直接、组成或已确认行程输入；公共交通按乘客，一般网约车按车辆，并且不推断车资、转售价值或回报 |
| COE renewal versus replacement | Compares five-year renewal, ten-year renewal, replacement and no-car paths from one opening equity position; uses a user-confirmed PQP and dated timing, keeps inclusive market sale separate from deregistration receipts and never predicts PQP, maintenance, resale or returns |
| EV, hybrid and petrol comparison | Compares up to three user-entered powertrain scenarios on one mileage and horizon; preserves all-in quotes, separates billed electricity from battery use, reconciles terminal equity and never predicts a VES band or recommends a vehicle |
| Motor insurance NCD claim impact | Compares private-repair and claim paths from user-entered NCD, base premiums, non-NCD charges, repair eligibility, excess and caps; never determines fault, predicts an insurer decision, recommends a path or treats private settlement as removing accident-reporting duties |
相关计算器
官方资料来源
- MAS 汽车贷款规则Monetary Authority of Singapore · 验证于 2026-09-05
- MoneySense 平息、月息与有效利率MoneySense／新加坡金融管理局 · 验证于 2026-09-05
- MoneySense 房产负担能力与 TDSRMoneySense／新加坡金融管理局 · 验证于 2026-09-05
- OneMotoring 车辆税费结构陆路交通管理局 · 验证于 2026-09-11
- OneMotoring PARF／COE 回扣陆路交通管理局 · 验证于 2026-09-05
- OneMotoring — COE Renewal and Prevailing Quota Premium陆路交通管理局 · 验证于 2026-09-09
- OneMotoring — Road Tax and Age Surcharge陆路交通管理局 · 验证于 2026-09-11
- OneMotoring — Vehicular Emissions Scheme陆路交通管理局 · 验证于 2026-09-10
- LTA / NEA — Extension of VES and EEAILand Transport Authority / National Environment Agency · 验证于 2026-09-10
- EMA — Buying Electricity at the Regulated TariffEnergy Market Authority · 验证于 2026-09-11
- 陆路交通管理局 2026 年 PARF 调整陆路交通管理局 · 验证于 2026-09-05
- data.gov.sg 拥车证投标结果陆路交通管理局／data.gov.sg · 验证于 2026-09-05
- 公共交通理事会车资与月票公共交通理事会 · 验证于 2026-09-08
- SimplyGo 成人月票TransitLink／SimplyGo · 验证于 2026-09-08
- GIA — No Claims DiscountGeneral Insurance Association of Singapore · 验证于 2026-09-11
- GIA — Dos and Don’ts Following an AccidentGeneral Insurance Association of Singapore · 验证于 2026-09-11
- GIA — Motor Claims FrameworkGeneral Insurance Association of Singapore · 验证于 2026-09-11
官方资料可能更改。作出决定前，请打开以上来源确认最新规则；Interest.sg 不会估算缺失的官方数值。
引用建议：Interest.sg，《新加坡汽车成本、融资与回扣规则》，资料日期 2026-09-11，最后成功检查 2026年9月11日。