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3420
Calculated Industries 3420 Manuals
Manuals and User Guides for Calculated Industries 3420. We have
2
Calculated Industries 3420 manuals available for free PDF download: User Manual, Pocket Reference Manual
Calculated Industries 3420 User Manual (84 pages)
PROFESSIOINAL RESIDENTIAL REAL ESTATE FINANCE CALCULATOR with BUILT-IN CANADIAN INTEREST MODE
Brand:
Calculated Industries
| Category:
Calculator
| Size: 0.73 MB
Table of Contents
Table of Contents
3
Getting Started
7
Key Definitions
7
Basic Operation Keys
7
Mortgage/Time-Value-Of-Money Keys
8
Qualifying Keys
11
Keys (Used in U.S. Mode)
14
Calculator Settings
16
Decimal Place Selection
16
Canadian/U.s. Mode
17
Preference Settings
18
Memory
20
Accumulative Memory Μ
20
Memory Storage Keys (M0-M6)
21
Basic Arithmetic Examples
23
Arithmetic
23
Percentage Calculations
23
Percent Change
23
Figuring Straight % Commission
24
Reduction in Listing Price (Discount %)
24
Simple, One-Year Home Appreciation (Add-On %)
24
Using the Date Function
25
Examples - Canadian Mode
26
Mortgage/Time-Value-Of-Money (Tvm)
26
Finding the Monthly Mortgage Payment
27
Finding the Term of a Mortgage
27
Paying off a Mortgage Early (Making Larger Payments)
28
Finding the Interest Rate
28
Finding the Interest-Only Payment
28
Finding the Mortgage Amount
29
Non-Monthly Loans
29
Finding a Quarterly Payment
30
Bi-Weekly Loans
30
Bi-Weekly Term Reduction and Payment
31
Sales Price/Down Payment
31
Finding Mortgage Amount Based on Sales Price and down Payment
32
Finding Sales Price and Payment Based on Loan Amount and down Payment
32
Finding Loan-To-Value (LTV) Based on down Payment and Sales Price
32
Setting Property Tax % Rate
33
Setting Property Tax
33
PITH Payment (Including Heating Expense)
33
PITH Payment (Including Heating Expense and Property Tax Entered as %)
34
PITH Payment (Including Heating Expense and Property Tax Entered as $)
35
PITH Payment and Interest-Only Payment
35
Amortization and Remaining Balance
36
Notes on Amortization
36
Total Principal and Interest for a 25-Year Mortgage
37
Amortization List for Individual Year(S) - Using "Next" Feature
38
Amortization List for Individual Year(S) - Using Month Offset
39
Amortization List for Individual Payment(S)
40
Amortization List for a Range of Payments or Years
41
Balloon Payment/Remaining Balance Needed to Pay off a Mortgage
41
Future Value
42
Appreciation/Future Value
42
Basic Savings Account Problem (Future Value of an Initial Deposit)
42
Trust Deeds and Discounted Notes
43
Purchase Price of a Note - Fully Amortized
43
Finding the Yield on a Discounted Note
44
Buyer Pre-Qualifying
45
IMPORTANT NOTE: U.S. Vs. Canadian Payment and Qualifying Calculations
46
Qualifying Examples
47
Recalling GDS/TDS Qualifying Ratios
47
Storing New GDS/TDS Qualifying Ratios
47
Finding Qualifying Mortgage Amount and Sales Price (Simple Example Excluding Property Tax)
48
Qualifying Mortgage Amount and Sales Price (Including down Payment, Property Tax and Monthly Heating/Condo Fees)
49
Restricted" Qualifying
50
Unrestricted" Qualifying
51
Qualifying Comparison
52
Qualifying Ratios at Once)
52
Finding Income Required and Allowable Monthly Debt
53
Solving for Actual Qualifying Ratios
54
Examples - U.s. Mode
55
Finding the Monthly Loan Payment (Based on U.S. Interest Rate)
55
Property Taxes, Property/Hazard Insurance and Monthly Housing Expense
56
PITI Payment (Tax and Insurance Entered as %)
57
Calculating Tax and Insurance % or
58
Finding the Interest Rate
59
Finding the Term of a Loan
59
Finding the Loan Amount
59
Finding Sales Price and Payment Based on Loan Amount and down Payment
60
Adjustable Rate Mortgages
60
ARM Payment - Worst-Case Scenario
61
ARM Payment - Using Lifetime Cap
62
Increasing and Decreasing ARM Payment
63
Total Principal and Interest for a 30-Year Loan
63
Amortization List for Individual Year(S) - Using "Next" Feature
64
APR, Total Finance Charges (Including Mortgage Insurance)
65
Bi-Weekly Loans
66
Bi-Weekly Term Reduction and Payment
66
Estimated Income Tax Savings and "After-Tax" Payment
67
Mortgage Interest Tax Deduction - 28% or 30% Tax Bracket
68
Rent Vs. Buy
69
Qualifying Loan Amount and Sales Price (Complete Example Including down Payment, Tax/Insurance, Monthly Association Dues)
70
Restricted" Qualifying
71
Unrestricted" Qualifying
72
Finding Income Required and Allowable Monthly Debt
73
Qualifying Comparison
74
Qualifying Ratios at Once)
74
Appendix
75
Default Settings
75
Reset
75
Error Codes
76
Auto Shut-Off
76
Batteries
76
User' Guide
77
Repair and Return
77
Warranty
78
Legal Notes
79
Looking for New Ideas
79
User' Guide
79
Index
80
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Calculated Industries 3420 Pocket Reference Manual (44 pages)
PROFESSIONAL RESIDENTIAL REAL ESTATE FINANCE CALCULATOR with BUILT-IN CANADIAN INTEREST MODE
Brand:
Calculated Industries
| Category:
Calculator
| Size: 0.19 MB
Table of Contents
Table of Contents
3
Key Definitions
5
Canadian/U.s. Interest Modes
9
Preference Mode
9
Examples
10
Basic Math
10
Percentage Calculations
10
Memory Functions
11
Setting Decimal Places
12
Date Function
13
Mortgages and Real Estate Mortgages
14
Examples - Canadian Mode
15
Monthly Mortgage Payment
15
Term of a Mortgage
16
Mortgage Amount
16
Interest Rate
17
Non-Monthly Mortgages and Payments Per Year (Pmt/Yr)
18
PITH and Interest-Only Payment
19
Quarterly Payment
20
Mortgage Amount Based on Sales Price and % down Payment
20
Sales Price Based on Mortgage Amount and % down Payment
21
Finding Loan-To-Value (LTV)
21
Future Value (Appreciation)
22
Amortization (Total Principal/Total Interest, Remaining Balance)
23
Bi-Weekly Mortgages
24
Setting Qualifying Ratios
25
Qualifying Mortgage Amount
25
Restricted" Vs. "Unrestricted" Qualifying
27
Qualifying Comparison (Two Ratios at Once)
29
Finding Income Required and Allowable Monthly Debt
31
Examples - U.s. Mode
32
Monthly Loan Payment
32
Setting Tax and Insurance
33
PITI Payment and Interest-Only Payment
34
Qualifying Loan Amount
35
ARM Payment - Lifetime Cap
36
APR and Total Finance Charges, Including Mortgage Insurance
38
Estimated Tax Savings
39
Rent Vs. Buy
40
Appendix
41
Default Settings
41
Repair and Return
41
Warranty
42
FCC Class B
43
Looking for New Ideas
43
P Ocket R Eference G Uide
44
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