Calculated-industries 3416 User Guide Manual de usuario descargar pdf (Pagina 3)

GETTING STARTED..........................................................................1

KEY DEFINITIONS .........................................................................1

Basic Operation Keys ..................................................................1

Mortgage Loan (TVM) Keys.........................................................2

Tax, Insurance and Expense Keys ..............................................6

Tax Savings Function...................................................................7

Rent vs. Buy Keys .......................................................................7

Qualifying Keys............................................................................8

1st and 2nd Trust Deeds (Combo Loan) Keys...........................11

BASIC ARITHMETIC EXAMPLES ...............................................13

Arithmetic ...................................................................................13

Percentage Calculations............................................................13

Figuring Straight % Commission ...............................................13

Reduction in Listing Price (Discount %) ....................................14

Simple, One-Year Home Appreciation (Add-on %)....................14

Date Examples...........................................................................15

CALCULATOR SETTINGS...........................................................16

Decimal Place Selection ............................................................16

Preference Settings ...................................................................17

MEMORY ......................................................................................19

Accumulative Memory................................................................19

Memory Storage Keys (M0-M6).................................................20

Additional Memory Storage Keys ..............................................21

EXAMPLES......................................................................................22

MORTGAGE LOANS/TIME-VALUE-OF-MONEY (TVM) .............22

Finding the Monthly Mortgage (P&I) Payment...........................23

Interest-Only Payment (Calculation)..........................................23

Interest-Only Payment (Entry) ...................................................23

Finding the Interest Rate ...........................................................24

Finding the Term of a Loan........................................................24

Finding the Loan Amount...........................................................24

Paying Off a Mortgage Early (Making Larger Payments)..........25

Simple Interest vs. Compound Interest......................................25

Future Value...............................................................................26

Appreciation ...............................................................................26

Non-Monthly Loans....................................................................27

Finding a Quarterly Payment.....................................................27

Sales Price/Down Payment .......................................................28

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Calculated-industries 3416 User Guide Manual de usuario Pagina 3