Calculated-industries 43285 Manuel d'utilisateur télécharger pdf (Page 8)

[Set] [+] Pro-Mode — Activates Pro-Mode. An advanced-

user feature, it changes Tax and Insurance, and

Mortgage Insurance keys from temporary to

permanent entries. That is, entered values will

remain set even after pressing [On/C] [On/C] or

turning calculator off, then on. The Pro-Mode

also changes the order that qualifying values are

displayed using the [Qual 1] and [Qual 2] keys,

by showing the lower, or restrictive amount with

the first press, the higher, or non-restrictive

amount with the second press, the buyer’s actu-

al ratios with the third press, and the stored

income and debt ratios with the fourth.

[Set] [–] Change sign — Toggles the sign of the dis-

played value from positive to negative or from

negative to positive.

[Set] [:] Month Offset — Used to set the first month of

payment if other than January. Used for calcu-

lating annual amortization ranges.

[Set] [000] Odd Days Interest — Calculates the pre-paid

interest, or simple interest accumulated (based

on a 360 day year) during the days before the

first loan payment is made using the interest rate

stored in the Interest register.

[Set] [Pmt] Estimated After-Tax Payment — Calculates an

estimated “after-tax” payment if loan variables

and property taxes are entered. You must enter

a tax bracket, then press [Set] [Pmt] to display

the annual tax deduction; second consecutive

press will display the monthly tax deduction;

third press will display the “after-tax” payment.

[Set] [Term] Bi-Weekly mortgage function — Converts regu-

lar monthly loan to bi–weekly. Pressing [Set]

[Term] displays the reduction in term. Second

press of [Term] shows total interest savings.

7 – User’s Guide

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Calculated-industries 43285 Manuel d'utilisateur Page 8