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Calculated Industries 3415 User Manual
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74
—
Q
UALIFIER
P
LUS
®
III
X
NOTES
74
76
Table of Contents
Default Chapter
3
Table of Contents
3
Getting Started
6
Key Definitions
6
Basic Operation Keys
6
Mortgage Loan (TVM) Keys
7
Tax Savings Keys
10
Rent Vs. Buy Keys
11
Qualifying Keys
11
Tax, Insurance and Expense Keys
14
1St and 2Nd Trust Deeds (Combo Loan) Keys
15
Basic Arithmetic Examples
17
Arithmetic
17
Percentage Calculations
17
Figuring Straight % Commission
17
Reduction in Listing Price (Discount %)
18
Simple, One-Year Home Appreciation (Add-On %)
18
Date Examples
19
Calculator Settings
20
Decimal Place Selection
20
Preference Settings
21
Memory
23
Accumulative Memory
23
Memory Storage Keys (M0-M6)
24
Examples
26
Mortgage Loans/Time-Value-Of-Money (Tvm)
26
Finding the Monthly Mortgage (P&I) Payment
27
Finding the Interest Rate
27
Finding the Term of a Loan
27
Finding the Loan Amount
28
Paying off a Mortgage Early (Making Larger Payments)
28
Simple Interest Vs. Compound Interest
29
Future Value
29
Appreciation
29
Non-Monthly Loans
30
Finding a Quarterly Payment
30
Clear Calculator O O
30
Enter Interest 7 • 8 ˆ
30
Sales Price/Down Payment
31
Finding Loan Amount Based on Sales Price and down Payment
31
Taxes and Insurance
32
Setting Tax and Insurance % Rates
33
Recalling Tax and Insurance % Rates
33
Setting Tax and Insurance
33
Calculating Tax and Insurance % or
34
Enter Term 3 0 T
34
Steps Keystrokes Display
34
Clear Calculator O O
34
PITI Payment (Tax and Insurance Entered as %)
35
Total Payment (Including Expenses) and Interest-Only Payment
35
Estimated Income Tax Savings and "After-Tax" Payment
36
Enter Loan Amount 1 5 0 ) L 150,000.00
36
Rent Vs. Buy
37
Enter Term 3 0 T
37
Adjustable Rate Mortgages
38
ARM Payment - Worst-Case Scenario
39
ARM Payment - Using Lifetime Cap
40
Decreasing ARM Payment
41
Increasing and Decreasing ARM Payment
41
Amortization and Remaining Balance
42
Notes on Amortization
42
Total Principal and Interest for a 30-Year Loan
43
Amortization List for Individual Year(S) - Using "Next" Feature
44
Amortization List for Individual Year(S) - Using Month Offset
45
Amortization List for Individual Payment(S)
46
Amortization List for a Range of Payments or Years
47
APR and Total Finance Charges
48
Finding APR, Total Finance Charges (Excluding Mortgage Insurance)
48
Prepaid/Odd-Days Interest and APR
49
Balloon Payment/Remaining Balance Needed to Pay off a Loan
50
Bi-Weekly Loans
50
Bi-Weekly Term Reduction and Payment
51
Trust Deeds and Discounted Notes
51
Purchase Price of a Note - Fully Amortized
52
Finding the Yield on a Discounted Note
52
Finding the Value and Discount of a Trust Deed
53
Buyer Qualifying
54
Qualifying Examples
55
Recalling Income/Debt Qualifying Ratios
55
Storing New Income/Debt Qualifying Ratios
55
Finding Qualifying Loan Amount and Sales Price (Simple Example Excluding Tax/Insurance)
56
Qualifying Loan Amount and Sales Price (Complete Example Including down Payment, Tax/Insurance, Monthly Association Dues)
57
Restricted" Qualifying
58
Unrestricted" Qualifying
58
Qualifying Comparison (Comparing 2 Different Loans or Ratios at Once)
59
Finding Income Required and Allowable Monthly Debt
60
Solving for Actual Qualifying Ratios
61
1St and 2Nd Trust Deeds (Combo Loans)
62
Combo Loan (80:10:10) Vs. Fixed-Rate Loan with Mortgage Insurance
63
Combo Loan (80:15:5) Vs. Fixed-Rate Loan with Mortgage Insurance
65
Combo Loan - Entering a New LTV
67
Appendix
69
Default Settings
69
Reset
69
Error Codes
69
User' Guide
70
Auto Shut-Off
70
Batteries
70
Repair and Return
70
Warranty
71
Legal Notes
72
Looking for New Ideas
72
Index
73
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Calculated Industries 3415 Specifications
General
Brand
Calculated Industries
Model
3415
Category
Calculator
Language
English
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