Calculated-industries 3416 User Guide Manuel d'utilisateur télécharger pdf (Page 8)

SER

’

UIDE

— 3

Interest

— Enters or solves for the annual interest

rate. Second press gives the periodic rate.

Note: Stored permanently, until you change it or perform a Clear

All (

s x

s l

Future Value (FV)

— Enters or solves for the future

value of a financial problem.

Sales Price

— Enters or calculates Sales Price

based on the entries of Loan Amount (or equivalent

mortgage components) and Down Payment.

Down Payment

— Enters (in either percent or dol-

lars) or calculates Down Payment, based on the

entries of Loan Amount (or equivalent mortgage

components) and Sales Price. A second press

changes the entered down payment from a dollar

figure to a percent, or vice versa.

Note: Any number under 100 is assumed to be a percent down

payment. You do not have to label the value as a percent.

s d

Loan-to-Value (LTV)

— Calculates the loan-to-value

percent when a Down Payment and Sales Price,

Loan Amount and Down Payment, or Loan Amount

and Sales Price are entered. Also calculates the

above dollar values if an LTV percent and one of the

above values are entered (e.g., entered Sales Price

and LTV% will calculate Down Payment and Loan

Amount).

s ˆ

Annual Percentage Rate (APR)

— Calculates APR

(for fixed-rate loans only) based on the entry of

points and/or non-recurring loan fees paid at initia-

tion. It also calculates total finance charges, monthly

mortgage insurance, and PIMI payment, based on

the entry of mortgage insurance via the s I keys.

s b

Periodic

— Used to specify a mortgage component

(Term or Interest), Income, or Amortization/Remaining

Balance value as per period rather than

per year

For example, 3 6 0 s b T enters 360

periods, or months.

1 2 3 4 5 6 7 8 9 10 11 12 13 ... 80 81

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Calculated-industries 3416 User Guide Manuel d'utilisateur Page 8

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