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COE & MARKET2026-09-03 · 1 MIN READ

2-Year vs 3-Year Short-COE: Which Depreciation Curve Makes Sense?

A 2-year COE car depreciates faster per month but costs less upfront. A 3-year gives more runway. Here is how the numbers work in Singapore.

2-Year vs 3-Year Short-COE: Which Depreciation Curve Makes Sense?

boltQuick Take

Short-COE cars come in two main flavours: 2-year and 3-year. The depreciation maths are different for each, and the right choice depends on your holding period, financing, and exit plan.

What it means for you

Frequently Asked Questions

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