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Calculated Industries 3430 User Manual
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Designed in the United States of
America
Printed in China
8/07
UG3430E-E
88
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, Insurance and Expense Keys
11
Tax Savings Keys
12
Rent Vs. Buy Keys
13
Qualifying Keys
13
1St & 2Nd Trust Deeds (Combo Loan) Keys
16
Cash Flow Keys
17
Basic Arithmetic Examples
19
Arithmetic
19
Percent Calculations
19
Figuring Straight Percent Commission
19
Reduction in Listing Price (Discount %)
20
Simple 1-Year Home Appreciation (Add-On %)
20
Date Examples
21
Calculator Settings
22
Decimal Place Selection
22
Preference Settings
23
Memory
25
Accumulative Memory
25
Memory Storage Keys (M0-M5)
26
Examples
28
Mortgage Loans/Time-Value-Of-Money (Tvm)
28
Finding the Monthly Mortgage (P&I) Payment
29
Finding the Loan Amount
29
Finding the Interest Rate
29
Finding the Term of a Loan
30
Paying off a Mortgage Early (Making Larger Payments)
30
Simple Interest Vs. Compound Interest
31
Sales Price/Down Payment
31
Finding Loan Amount Based on Sales Price and down Payment
31
Taxes and Insurance
32
Setting Tax and Insurance Percent Rates
33
Recalling Tax and Insurance Percent Rates
33
Setting Tax and Insurance Dollars
33
Calculating Tax and Insurance Percent or Dollars
34
PITI Payment (Tax and Insurance Entered as Percent)
35
Total Payment (Including Expenses) and Interest-Only Payment
35
Amortization and Remaining Balance
36
Notes on Amortization
36
Total Principal and Interest for a 30-Year Loan
38
Balloon Payment/Remaining Balance Needed to Pay off a Loan
38
Amortization List for Individual Year(S) - Using "Next" Feature
39
Amortization List for Individual Year(S) - Using Month Offset
40
Amortization List for Individual Payment(S)
41
Amortization List for a Range of Payments
42
Amortization List for a Range of Years
42
Bi-Weekly Loans
43
Bi-Weekly Term Reduction and Payment
43
Future Value
44
Appreciation
44
Retirement Savings Account Problem (Future Value of an Initial Deposit or Lump Sum)
45
Retirement Savings (Future Value of Monthly Investment - Using Beginning Mode)
45
Non-Monthly Loans
46
Finding a Quarterly Payment
47
Trust Deeds and Discounted Notes
47
Purchase Price of a Note - Fully Amortized
47
Finding the Yield on a Discounted Note
48
Finding the Value and Discount of a Trust Deed
49
APR and Total Finance Charges
50
Finding APR and Total Finance Charges
50
Prepaid/Odd-Days Interest and APR
51
Adjustable Rate Mortgages
52
ARM Payment - Worst-Case Scenario
53
ARM Payment - Using Lifetime Cap
54
Decreasing ARM Payment
55
Increasing and Decreasing ARM Payment
55
Estimated Income Tax Savings and "After-Tax" Payment
56
Rent Vs. Buy
57
Buyer Qualifying
58
Qualifying Examples
60
Recalling Income/Debt Qualifying Ratios
60
Storing New Income/Debt Qualifying Ratios
60
Finding Qualifying Loan Amount and Sales Price (Simple Example Excluding Tax/Insurance)
61
Qualifying Loan Amount and Sales Price (Complete Example Including down Payment, Tax/Insurance, Monthly Association Dues)
62
Restricted" Qualifying
63
Unrestricted" Qualifying
64
Qualifying Comparison
65
Ratios at Once)
65
Finding Income Required and Allowable Monthly Debt
66
Solving for Actual Qualifying Ratios
67
1St and 2Nd Trust Deeds (Combo Loans)
68
Combo Loan (80:10:10) Vs. Fixed-Rate Loan with Mortgage Insurance
69
Combo Loan (80:15:5) Vs. Fixed-Rate Loan with Mortgage Insurance
71
Combo Loan - Entering a New LTV
73
Financed Mortgage Insurance Compared to a Combo Loan
75
Cash Flow Examples
77
Calculating IRR, NPV, and NFV for Annual Cash Flows
79
Calculating IRR, NPV, and NFV for Monthly Cash Flows
80
Recalling and Replacing Cash Flows
81
Recalling and Replacing Cash Flow Frequencies
81
Appendix
82
Default Settings
82
Reset
82
Error Codes
82
Auto Shut-Off
83
Batteries
83
User' Guide
84
Repair and Return
84
Warranty
84
Legal Notes
86
Looking for New Ideas
86
Index
87
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Calculated Industries 3430 Specifications
General
Brand
Calculated Industries
Model
3430
Category
Calculator
Language
English
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