Calculated Industries QUALIFIER PLUS IIx Betriebsanweisung PDF herunterladen (Seite 14)

SER

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UIDE

— 13

Property Tax

— Used for calculating PITI and Total

(PITH) payment, and Qualifying. Stores estimated

annual property tax in either percent or dollar

amount. If entered as an annual dollar amount, a

press of t converts to the monthly tax amount,

and pressing t again converts to the annual per-

centage rate. If entered as a percentage, pressing

t converts to the annual dollar amount, and

pressing t once more shows the monthly tax.

Note: Entering a number equal to or less than ten is assumed to

be an annual percentage. Property tax is calculated from the

sales price (therefore, you should also enter a Down Payment).

U.S. Keys (Used in U.S. Mode)

Note: Calculator must be set to U.S. Mode. See page 16.

Adjustable Rate Mortgage

— Calculates the pay-

ment and re-amortizes a fully or partially amortized

Adjustable Rate Mortgage based on the inputs of

both an Interest Adjustment and a Term Adjustment,

which are entered using the Colon : key (Interest

Adjustment : Term Adjustment). For example, an

ARM which increases 1% every year is entered 1

: 1 A; an ARM which decreases 1% per year is

entered 1 : 1 s A. (ARM rates are stored

permanently.)

s A

Lifetime Interest Cap (ARMs)

— Sets the lifetime

interest cap for ARMs by entering the maximum

interest increase. This is a permanent setting; to

clear, set the cap back to zero (0 s %).

s ˆ

Annual Percentage Rate (APR)

— Calculates APR

(for fixed-rate loans only) based on the entry of

points and/or non-recurring loan fees paid at initia-

tion. It also calculates total finance charges, monthly

mortgage insurance, and PIMI payment, based on

the entry of mortgage insurance via the Â keys.

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