Calculated-industries 3416 User Guide Uživatelský manuál stáhnout pdf (Strana 4)

Finding Loan Amount Based on Sales Price and Down

Payment..................................................................................28

Taxes and Insurance..................................................................29

Setting Tax and Insurance % Rates...........................................30

Recalling Tax and Insurance % Rates.......................................30

Setting Tax and Insurance $ ......................................................30

Calculating Tax and Insurance % or $.......................................31

PITI Payment (Tax and Insurance Entered as %) .....................32

Total Payment (Including Expenses) and Interest-Only

Payment..................................................................................32

Estimated Income Tax Savings and “After-Tax” Payment .........33

Rent vs. Buy...............................................................................34

Adjustable Rate Mortgages........................................................35

ARM Payment —

Worst-Case Scenario

....................................36

ARM Payment —

Using Lifetime Cap

.......................................37

Decreasing ARM Payment.........................................................38

Increasing and Decreasing ARM Payment................................38

Amortization and Remaining Balance........................................39

Notes on Amortization................................................................39

Total Principal and Interest for a 30-Year Loan .........................40

Amortization List for Individual Year(s) —

Using “Next” Feature

..............................................................41

Amortization List for Individual Year(s) —

Using Month Offset

.................................................................42

Amortization List for Individual Payment(s) ...............................43

Amortization List for a Range of Payments or Years.................44

APR and Total Finance Charges ...............................................45

Finding APR, Total Finance Charges

(Excluding Mortgage Insurance).............................................45

Prepaid/Odd-Days Interest and APR .........................................46

Balloon Payment/Remaining Balance Needed to Pay Off

a Loan.....................................................................................47

Bi-Weekly Loans ........................................................................47

Bi-Weekly Term Reduction and Payment ..................................48

Trust Deeds and Discounted Notes...........................................48

Purchase Price of a Note —

Fully Amortized

............................49

Finding the Yield on a Discounted Note ....................................49

Finding the Value and Discount of a Trust Deed .......................50

BUYER QUALIFYING...................................................................51

QUALIFYING EXAMPLES ...........................................................53

Recalling Income/Debt Qualifying Ratios ..................................53

Storing New Income/Debt Qualifying Ratios..............................53

1 2 3 4 5 6 7 8 9 ... 80 81

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Calculated-industries 3416 User Guide Uživatelský manuál Strana 4

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