http://www.calculated.com/...4243442E-A.pdf
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Table of contents
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• GETTING STARTED
• KEY DEFINITIONS
• Basic Operation Keys
• Mortgage Loan (TVM) Keys
• Tax Savings Keys
• Rent vs. Buy Keys
• Qualifying Keys
• Tax, Insurance and Expense Keys
• Pick-A-Payment and Equity Builder Pick-A-Payment Loan Keys
• Combo Loan Keys
• Pick-A-Payment and Equity Builder Pick-A-Payment Combo Loan...
• BASIC ARITHMETIC EXAMPLES
• Arithmetic
• Percentage Calculations
• Figuring Straight % Commission
• Reduction in Listing Price (Discount %)
• Simple, One-Year Home Appreciation (Add-on %)
• CALCULATOR SETTINGS
• Decimal Place Selection
• Preference Settings
• MEMORY
• Memory Storage Keys (M0-M5)
• Additional Memory Storage Keys (M10-M19)
• Examples
• MORTGAGE LOANS/TIME-VALUE-OF-MONEY (TVM)
• Finding the Monthly Loan Payment
• Finding the Interest-Only Payment
• Finding the Term of a Loan
• Paying Off a Loan Early (Making Larger Payments)
• Finding the Interest Rate
• Finding the Loan Amount
• Finding the Loan Amount (with Interest-Only Payment)
• Non-Monthly Loans
• Finding a Quarterly Payment
• Sales Price/Down Payment
• Finding Loan Amount Based on Sales Price and Down Payment
• Finding Sales Price and Payment Based on Loan Amount and...
• Finding Loan-to-Value (LTV) Based on Down Payment and Sales...
• Entering Loan-to-Value (LTV) and Finding Loan and Down...
• Taxes and Insurance
• Setting Tax and Insurance % Rates
• Recalling Tax and Insurance % Rates
• Setting Tax and Insurance
• Calculating Tax and Insurance % or
• PITI Payment (Tax and Insurance Entered as %)
• PITI Payment (Tax and Insurance Entered as $)
• Total Payment and Interest-Only Payment
• Estimated Income Tax Savings and After-Tax Payment
• Rent vs. Buy
• APR and Total Finance Charges
• Finding APR, Total Finance Charges (Excluding Mortgage...
• Finding APR, Total Finance Charges (Including Mortgage...
• Date Examples
• Finding Odd-Days Interest and APR
• Equity Builder Loans
• Equity Builder Term Reduction and Payment
• Equity Builder Interest Savings - Based on Adjusted Equity...
• Amortization and Remaining Balance
• Notes on Amortization
• Total Principal/Total Interest for a 30-Year Loan
• Amortization List for Individual Year(s)
• Amortization List for Individual Payment(s)
• Amortization List for a Range of Payments or Years
• Balloon Payment/Remaining Balance Needed to Pay Off a Loan
• Mortgage Interest Tax Savings — 21% or 30% Tax Bracket
• Future Value
• Appreciation
• Basic Savings Account Problem (Future Value of an Initial...
• Investment Future Value
• Retirement Annuity
• Begin/End Interest Mode
• Trust Deeds and Discounted Notes
• Purchase Price of a Note — Fully Amortized
• Finding the Yield on a Discounted Note
• Finding the Value and Discount of a Trust Deed
• BUYER QUALIFYING
• QUALIFYING EXAMPLES
• Recalling Income/Debt Qualifying Ratios
• Storing New Income/Debt Qualifying Ratios
• Finding Qualifying Loan Amount and Sales Price (Simple...
• Restricted Qualifying
• Unrestricted Qualifying
• Qualifying Comparison (Comparing 2 Different Loans or...
• Finding Income Required and Allowable Monthly Debt
• Solving for Actual Qualifying Ratios
• PICK-A-PAYMENT AND COMBO LOANS
• Pick-A-Payment Loan (Zero-Month/30-Term) vs. Standard...
• Rate %, Changing ROI% and Payment Cap%, Solving Payment...
• Equity Builder Pick-A-Payment Loan (Zero-Month/30- Term)...
• Three Years (Versus the First Five Years)
• Fixed-Rate Combo Loan (1st TD/2nd TD)
• Combo Loan vs. Fixed-Rate Loan with MI
• Combo Loan — Storing a New LTV
• Pick-A-Payment (3-Month/30-Term) Combo Loan vs. Fixed-Rate...
• Equity Builder Pick-A-Payment (3-Month/30-Term) Combo Loan...
• APPENDIX
• Default Settings
• Error Codes
• Auto Shut-Off
• Batteries
• Reset
• Repair and Return
• Warranty
• Legal Notes
• Looking For New Ideas
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