Instrukcja obsługi Calculated Industries Qualifier Plus IIIFX-Desktop
Calculated Industries
kalkulator
Qualifier Plus IIIFX-Desktop
Przeczytaj poniżej 📖 instrukcję obsługi w języku polskim dla Calculated Industries Qualifier Plus IIIFX-Desktop (89 stron) w kategorii kalkulator. Ta instrukcja była pomocna dla 6 osób i została oceniona przez 2 użytkowników na średnio 4.5 gwiazdek
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QUALIFIER LUSP®IIIFX
ADVANCED RESIDENTIAL REAL ESTATE FINANCE CALCULATOR
with and CASH FLOW COMPLETE BUYER QUALIFYING
Model 3430 • Qualifier Plus®IIIFX
Model 43430 • Qualifier Plus®IIIFX Desktop
USER S’ GUIDE — 1
The new QUALIFIER LUSP IIIFX was custom-designed for mortgage
lenders and residential real estate pro’s. With the push of a few but-
tons, it will quickly pre-qualify prospective buyers and solve hundreds
of mortgage loan problems! It also operates as an easy-to-use
financial calculator, with user-friendly cash flow keys for analyzing
real estate investments, and TVM keys to analyze retirement/savings
scenarios. It’s real estate andthe most complete easy-to-use and
finance calculator on the market!
Features:
• Easy and Complete Buyer Qualifying
• Find Qualifying Loan Amount, Income Required and
Maximum Allowable Debt
• Use Two Qualifying Ratios at Once to Compare Different
Loans (e.g., conventional vs. FHA/VA loans)
• Find the Restricted and Unrestricted Qualifying Loan Amount
• Instant P&I, PITI and Total Payment
• Interest-Only Payment
• Expanded Tax and Insurance Capabilities
• Built-in Sales Price and Down Payment
• Works in Annual Term and Interest
• Flexible, “what-if” Loan or TVM Calculations — Finds Loan
Amount, Term, Interest or Payment
• Future Value and Appreciation
• Complete Amortization
• Remaining Balances/Balloon Payments
• Adjustable Rate Mortgages (ARMs)
• APR and Total Finance Charges
• Bi-Weekly Loans
• Trust Deeds (investments)
• Date Math
• Also Works as a Standard Math Calculator
New!
• 1st and 2nd Trust Deeds (80:10:10/80:15:5), or Combo Loans
• APR, including Mortgage Insurance
• Beginning/End Mode
• Cash Flows/Investment Analysis (IRR, NPV, NFV)
• Income Tax Savings, Mortgage Interest Deduction
• Interest-Only Payments
• Loan-to-Value (LTV)
• Odd-Days Interest (ODI) & Month Offset
• Rent vs. Buy
• Retirement Savings
Introducing the QUALIFIER LUSP
®
IIIFX
Mortgage Loan Calculator
2 — QUALIFIER LUSP®IIIFX
GETTING STARTED..........................................................................5
KEY DEFINITIONS .........................................................................5
Basic Operation Keys ..................................................................5
Mortgage Loan (TVM) Keys.........................................................6
Tax, Insurance and Expense Keys ............................................10
Tax Savings Keys.......................................................................11
Rent vs. Buy Keys .....................................................................12
Qualifying Keys ..........................................................................12
1st & 2nd Trust Deeds (Combo Loan) Keys..............................15
Cash Flow Keys .........................................................................16
BASIC ARITHMETIC EXAMPLES ...............................................18
Arithmetic ...................................................................................18
Percent Calculations ..................................................................18
Figuring Straight Percent Commission ......................................18
Reduction in Listing Price (Discount %) ....................................19
Simple, 1-Year Home Appreciation (Add-on %).........................19
Date Examples...........................................................................20
CALCULATOR SETTINGS...........................................................21
Decimal Place Selection ............................................................21
Preference Settings ...................................................................22
MEMORY ......................................................................................24
Accumulative Memory................................................................24
Memory Storage Keys (M0-M5).................................................25
EXAMPLES......................................................................................27
MORTGAGE LOANS/TIME-VALUE-OF-MONEY (TVM) .............27
Finding the Monthly Mortgage (P&I) Payment...........................28
Finding the Loan Amount...........................................................28
Finding the Interest Rate ...........................................................28
Finding the Term of a Loan........................................................29
Paying Off a Mortgage Early (Making Larger Payments)..........29
Simple Interest vs. Compound Interest......................................30
Sales Price/Down Payment .......................................................30
Finding Loan Amount Based on Sales Price and Down
Payment..................................................................................30
Taxes and Insurance..................................................................31
Setting Tax and Insurance Percent Rates .................................32
Recalling Tax and Insurance Percent Rates..............................32
Setting Tax and Insurance Dollars .............................................32
Calculating Tax and Insurance Percent or Dollars.....................33
PITI Payment (Tax and Insurance Entered as Percent) ............34
TABLE OF CONTENTS
Specyfikacje produktu
| Marka: | Calculated Industries |
| Kategoria: | kalkulator |
| Model: | Qualifier Plus IIIFX-Desktop |
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