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3423
Calculated Industries 3423 Manuals
Manuals and User Guides for Calculated Industries 3423. We have
2
Calculated Industries 3423 manuals available for free PDF download: User Manual, Pocket Reference Manual
Calculated Industries 3423 User Manual (82 pages)
ADVANCED REAL ESTATE FINANCE CALCULATOR with CASH FLOW and BUILT-IN CANADIAN INTEREST MODE
Brand:
Calculated Industries
| Category:
Calculator
| Size: 0.47 MB
Table of Contents
Table of Contents
3
Getting Started
6
Key Definitions
6
Basic Operation Keys
6
Mortgage/Time-Value-Of-Money Keys
7
Qualifying Keys
10
Cash Flow Keys
13
Keys (Used in U.S. Mode)
14
Calculator Settings
15
Decimal Place Selection
15
Canadian/U.s. Mode
16
Preference Settings
17
Memory
19
Accumulative Memory
19
Memory Storage Keys (M0-M5)
20
Additional Memory Storage Keys (M10-M19)
21
Basic Arithmetic Examples
22
Arithmetic
22
Percentage Calculations
22
Percent Change
22
Figuring Straight Percent Commission
23
Reduction in Listing Price (Discount %)
23
Simple, One-Year Home Appreciation (Add-On %)
23
Delta Percent-Rate of Appreciation
24
Using the Feet and Meters Conversions
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 Mortgage Amount
28
Non-Monthly Mortgages
29
Finding a Quarterly Payment
29
Bi-Weekly Mortgages
30
Bi-Weekly Term Reduction and Payment
30
Sales Price/Down Payment
31
Finding Mortgage Amount Based on Sales Price and down Payment
31
Finding Sales Price and Payment Based on Mortgage Amount and down Payment
31
Finding Loan-To-Value (LTV) Based on down Payment and Sales Price
32
Setting Property Tax Percent Rate
32
Setting Property Tax Dollar Amount
32
Total Payment (Including Heating Expense)
32
Entered as Percentage)
33
Entered as Dollar Amount)
33
Total Payment (Including Heating Expense and Property Tax Entered as Dollar Amount)
33
Finding Mortgage Amount (Including Canadian Mortgage Insurance)
34
Finding Monthly Mortgage (P&I) Payment (Including Canadian Mortgage Insurance)
35
Amortization and Remaining Balance
35
Notes on Amortization
35
Total Principal and Interest for a 25-Year Mortgage
37
Total Principal and Interest (Including Canadian Mortgage Insurance)
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
Qualifying Mortgage Amount and Sales Price
49
Canadian Mortgage Insurance)
50
Restricted" Qualifying
51
Unrestricted" Qualifying
52
Qualifying Comparison
53
Two Qualifying Ratios at Once)
53
Finding Income Required and Allowable Monthly Debt
54
Solving for Actual Qualifying Ratios
55
Cash Flow Examples
56
Calculating IRR, NPV, and NFV for Annual Cash Flows
58
Calculating IRR, NPV, and NFV for Monthly Cash Flows
59
Recalling and Replacing Cash Flows
60
Recalling and Replacing Cash Flow Frequencies
60
Examples - U.s. Mode
61
Finding the Monthly Mortgage Payment (Based on U.S. Interest Rate)
61
Finding the Interest-Only Payment
61
Interest-Only Payment (Entry)
61
Property Taxes, Property/Hazard Insurance and Monthly Housing Expense
62
PITI Payment (Tax and Insurance Entered as Percentage)
63
PITI Payment (Tax and Insurance Entered as Dollar Amount)
63
Calculating Tax and Insurance Percentage or Dollar Amount
64
Finding the Interest Rate
65
Finding the Term of a Loan
65
Finding the Loan Amount
65
Finding Sales Price and Payment Based on Loan Amount and down Payment
66
Total Principal and Interest for a 30-Year Loan
66
Amortization List for Individual Year(S) - Using "Next" Feature
67
APR, Total Finance Charges (Including Mortgage Insurance)
68
Bi-Weekly Mortgages
69
Bi-Weekly Term Reduction and Payment
69
Qualifying Loan Amount and Sales Price (Complete Example Including down Payment, Tax/Insurance, Monthly Association Dues)
70
Restricted" Qualifying
71
Unrestricted" Qualifying
71
Finding Qualifying Loan Amount and Sales Price for an Interest-Only Loan
72
Finding Income Required and Allowable Monthly Debt
73
Qualifying Comparison (Comparing Two Different Loans or Two Qualifying Ratios at Once)
74
Appendix
75
Default Settings
75
Reset
75
Error Codes
76
Auto Shut-Off
76
Battery
76
Repair and Return
77
Warranty
78
Legal Notes
79
Looking for New Ideas
79
Index
80
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Calculated Industries 3423 Pocket Reference Manual (42 pages)
ADVANCED REAL ESTATE FINANCE CALCULATOR with CASH FLOW and BUILT-IN CANADIAN INTEREST MODE
Brand:
Calculated Industries
| Category:
Calculator
| Size: 0.15 MB
Table of Contents
Table of Contents
3
Key Definitions
5
Canadian/U.s. Interest Modes
9
Preference Mode
10
Examples
10
Basic Math
10
Percentage Calculations
10
Memory Functions
11
Delta % - Rate of Appreciation
11
Setting Decimal Places
12
Using the Meters and Feet
12
Conversion Function
12
Steps Keystrokes
12
Clear O O
12
Find Number
12
Enter 20 Feet 2 0
13
Steps Keystrokes
13
Clear O O
14
Date Function
14
Steps Keystrokes
14
Examples - Canadian Mode
15
Mortgages and Real Estate Mortgages
15
Monthly Mortgage Payment
16
Term of a Mortgage
16
Clear O O
17
Display
17
Mortgage Amount
17
Interest Rate
17
Effective Interest Rate
18
Non-Monthly Mortgages and Payments Per Year (Pmt/Yr)
18
Enter Term 2 5 T
19
Total (PITH) Payment
19
Enter Interest 7 • 7 5 ˆ
20
Mortgage Amount Based on Sales Price and % down Payment
20
Quarterly Payment
20
Steps Keystrokes Display
20
Clear O O
21
Enter Interest 1 0 ˆ
21
Finding Loan-To-Value (LTV)
21
Sales Price Based on Mortgage Amount and % down Payment
21
Canadian Mortgage Insurance
22
Future Value (Appreciation)
22
Amortization (Total Principal/Total Interest, Remaining Balance)
23
Bi-Weekly Mortgages
24
Setting Qualifying Ratios
24
Qualifying Mortgage Amount
25
Restricted" Qualifying
26
Unrestricted" Qualifying
27
Qualifying Comparison (Two Ratios at Once)
28
Finding Income Required and Allowable Monthly Debt
29
Cash Flow
30
Examples - U.s. Mode
32
Monthly Loan Payment
32
Interest-Only Payment (Entry)
32
Setting Tax and Insurance
33
PITI Payment and Interest-Only Payment
34
Qualifying Loan Amount
35
Interest-Only Qualifying Loan Amount
36
APR and Total Finance Charges, Including Mortgage Insurance
37
Appendix
38
Default Settings
38
Repair and Return
39
Warranty
40
FCC Class B
41
Looking for New Ideas
41
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