What it means for you
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.
COE & MARKETSEP 3, 2026 · 5 MIN READ
2-Year vs 3-Year Short-COE: Which Depreciation Curve Makes Sense?
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.
