Calculated Industries Qualifier Plus IIIx Betriebsanweisung PDF herunterladen (Seite 36)

SER

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UIDE

— 35

(Cont’d)

STEPS KEYSTROKES DISPLAY

Find P&I payment p “run” 1,681.74

Find PITI payment p 2,315.07

Find total payment (PITI plus

monthly expenses) p 2,465.07

Find interest-only payment p 1,402.50

Estimated Income Tax Savings and “After-Tax” Payment

Important Note: This example estimates the annual tax savings

(including property tax and mortgage interest). It is important to

inform your clients to consult a tax advisor for an accurate income

tax deduction computation for their particular tax situation.

Buyers in a 28% income tax bracket are looking to finance a $150,000

mortgage for 30 years at 8% annual interest. If they will be paying

approximately $1,500 in annual property taxes and $250 in annual

property insurance, find their estimated annual tax savings (or mort-

gage interest/property tax savings) and “after-tax” monthly payment.

STEPS KEYSTROKES DISPLAY

Clear calculator o o 0.00

Enter term in years 3 0 T 30.00

Enter annual interest 8 ˆ 8.00

Enter annual property tax 1 5 0 0 t 1,500.00

Enter annual property ins. 2 5 0 I 250.00

Enter loan amount 1 5 0 ) l 150,000.00

Find P&I payment p “run” 1,100.65

Find PITI payment p 1,246.48

Enter tax bracket 2 8 s p 28.00

Find annual income

tax savings p 3,767.32

Find monthly tax savings p 313.94

Find “after-tax” payment p 932.54

— DO NOT CLEAR CALCULATOR —

If the above loan starts in July, find the “after-tax” payment.

STEPS KEYSTROKES DISPLAY

Set Mo. 1 Offset to July 7 s ) 7.00

Enter tax bracket 2 8 s p 28.00

Find annual tax savings p 1,887.16

Find monthly tax savings p 314.53

Find “after-tax” payment p 931.95

Return Mo. Offset to Jan. 1 s ) 1.00

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