Calculated-industries 3420 User Guide Bedienungsanleitung PDF herunterladen (Seite 4)

SER

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UIDE

— 3

Setting Property Tax $................................................................32

PITH Payment (Including Heating Expense) .............................32

PITH Payment (Including Heating Expense and Property Tax

Entered as %).........................................................................33

PITH Payment (Including Heating Expense and Property Tax

Entered as $) ..........................................................................34

PITH Payment and Interest-Only Payment................................34

Amortization and Remaining Balance........................................35

Notes on Amortization................................................................35

Total Principal and Interest for a 25-Year Mortgage ..................36

Amortization List for Individual Year(s) —

Using “Next”

Feature

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

Amortization List for Individual Year(s) —

Using Month

Offset

......................................................................................38

Amortization List for Individual Payment(s) ...............................39

Amortization List for a Range of Payments or Years.................40

Balloon Payment/Remaining Balance Needed to Pay Off a

Mortgage.................................................................................40

Future Value...............................................................................41

Appreciation/Future Value..........................................................41

Basic Savings Account Problem (Future Value of an Initial

Deposit)...................................................................................41

Trust Deeds and Discounted Notes...........................................42

Purchase Price of a Note —

Fully Amortized

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

Finding the Yield on a Discounted Note ....................................43

BUYER PRE-QUALIFYING...........................................................44

IMPORTANT NOTE: U.S. vs. Canadian Payment and

Qualifying Calculations ...........................................................45

QUALIFYING EXAMPLES ............................................................46

Recalling GDS/TDS Qualifying Ratios.......................................46

Storing New GDS/TDS Qualifying Ratios..................................46

Finding Qualifying Mortgage Amount and Sales Price

(Simple Example Excluding Property Tax) .............................47

Qualifying Mortgage Amount and Sales Price

(Including Down Payment, Property Tax and Monthly

Heating/Condo Fees)..............................................................48

“Restricted” Qualifying ...............................................................49

“Unrestricted” Qualifying ............................................................50

Qualifying Comparison (Comparing Two Different Mortgages or

Qualifying Ratios at Once)......................................................51

Finding Income Required and Allowable Monthly Debt.............52

Solving for Actual Qualifying Ratios...........................................53

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