Calculated Industries QUALIFIER PLUS IIx Betriebsanweisung PDF herunterladen (Seite 35)

34 — Q

UALIFIER

LUS

III

PITH Payment (Including Heating Expense and Property Tax

Entered as $)

Find the PITH payment on a 25-year, 7.25% mortgage if the home’s

selling price is $227,000 and the down payment is 35%. Local annu-

al property tax is estimated at $2,270 (or 1% of the sales price).

Monthly heating expense is $100.

STEPS KEYSTROKES DISPLAY

Clear calculator o o 0.00

Enter Term in years 2 5 T 25.00

Enter annual Interest 7 • 2 5 ˆ 7.25

Enter sales Price 2 2 7 ) P 227,000.00

Enter Down Payment % 3 5 d 35.00

Find dollar $ d 79,450.00

Set Tax figure 2 2 7 0 t* 2,270.00

Add mo. heating Expense 1 0 0 e 100.00

Find Mortgage Amount l 147,550.00

Find P&I Payment p “run” 1,056.34

Find PITH/total Payment p p 1,345.50

*To view Tax rate in its monthly and percent forms, press the Tax key three times —

e.g., press

® t t t

to recall the annual property tax, monthly property tax

and percent (tax rate) of $2,270, $189.17 and 1.00%, respectively.

PITH Payment and Interest-Only Payment

Find the total payment (including principal, interest, tax/insurance

and monthly expenses) and the interest-only payment on a 25-year,

7% mortgage if the home’s selling price is $189,000 and the down

payment is 15%. The local annual property tax is estimated at

$2,835 (or 1.5%), and monthly heating expense at $150.

STEPS KEYSTROKES DISPLAY

Clear calculator o o 0.00

Enter Term in years 2 5 T 30.00

Enter annual Interest 7 ˆ 7.00

Enter sales Price 1 8 9 ) P 189,000.00

Enter Down Payment % 1 5 d 15.00

Find dollar $ d 28,350.00

Enter property Tax 2 8 3 5 t 2,835.00

Enter monthly Expenses 1 5 0 e 150.00

Find Mortgage Amount l 160,650.00

Find P&I Payment p “run” 1,125.22

Find PITH (total) Payment p p 1,511.47

Find Interest-only Payment p 923.74

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