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UALIFIER

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For the Real Estate Professional

User’s Guide

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Содержание Real Estate Master IIx

Страница 1: ...REAL ESTATE MASTER IIX QUALIFIER PLUS IIX For the Real Estate Professional User s Guide...

Страница 2: ...Payment 20 Taxes Insurance PITI Payment 21 Amortization Remaining Balance27 Future Value 34 Trust Deeds Discounted Notes 35 APR Total Finance Charges 37 Odd Days Interest APR 39 Bi Weekly Loans 41 Ad...

Страница 3: ...problems 3 way Mortgage Qualifying Instant P I and PITI Payments Loan Mortgage Amounts Tax and Insurance Capabilities Interest Rates Terms Built in Sales Price and Down Payment Complete Amortization...

Страница 4: ...rary registers Four function x percent key M Adds displayed value to Memory Pressing Set M will subtract the dis played value from Memory See Memory Functions Rcl Recalls and displays the contents of...

Страница 5: ...n the Loan Amount and Down Payment Note Entered Sales Price values will not normally change L A Loan Amount Enters or solves for the initial loan amount or present value of a financial problem Pmt Pay...

Страница 6: ...period range Third press shows total principal for range and final press gives remaining balance at end of range Colon Used to specify a range for amortization or to separate ARM Interest Term and Qu...

Страница 7: ...s price or loan amount are changed However if entered as a percent of sales price or loan amount these items are automatically recalculated if sales price or loan amount are changed Tax Property Tax S...

Страница 8: ...Plus IIx only Pro Mode also changes the order that qualifying values are displayed when using the Qual 1 and Qual 2 keys by showing the lower or restrictive amount with the first press the higher or...

Страница 9: ...t if loan variables and property taxes are entered First enter a tax bracket then press Set Pmt to display the annual tax deduction second press displays the monthly tax deduction third press displays...

Страница 10: ...function key which performs the following qualifying functions 1 Stores an Income Debt Ratio i e 28 39 Qual 1 The entered ratio will remain in storage until revised or reset defaults to 28 36 2 Finds...

Страница 11: ...sociation dues maintenance and utilities Mtg Ins Mortgage Insurance Stores and recalls annual mortgage insurance i e Private Mortgage Insurance in either percent or dollar amount If entered as a dolla...

Страница 12: ...wish to display Set 3 0 000 Set 2 0 00 Default Set 1 0 0 Set 0 0 Set Floating Decimal Note To return to the standard two dec imal place setting press Set 2 Basic Math Both calculators use standard cha...

Страница 13: ...key adds the dis played value to Memory Set M sub tracts the displayed value from Memory Rcl M recalls and displays the total value in Memory Rcl Rcl displays and clears the Memory Set Rcl clears Mem...

Страница 14: ...to find a future date 2 subtract a number of days from a date to find a past date and 3 subtract one date from another date to find the number of days in between Find the number of days to calculate p...

Страница 15: ...Payment 2 Financial values may be entered in any order 3 Values for Term and Interest are per manently stored in memory 4 Always press On C twice after com pleting a financial problem to ensure the f...

Страница 16: ...ent 30 Term 30 00 7 75 Int 7 75 Pmt run 684 17 Finding a Term of a Loan How long does it take to pay off a loan of 15 000 at 10 interest if you make payments of 181 01 each month Steps Keystroke Displ...

Страница 17: ...nual interest and peri odic rate 98 500 L A 98 500 00 30 Term 30 00 1 150 Pmt 1 150 00 Int run 13 78 Int 1 15 Finding a Loan Amount How much can you borrow if the cur rent interest rate is 9 75 on a 3...

Страница 18: ...calculator On C On C 0 00 2 Enter number of payments per year 4 Set Pmt Yr 4 00 To recall the currently stored number of payments press Rcl Steps Keystrokes Display 1 Clear calculator On C On C 0 00 2...

Страница 19: ...ps Keystrokes Display 1 Clear calculator On C On C 0 00 2 Set to 4 payments per year 4 Set Pmt Yr 4 00 3 Enter loan amount 15 000 L A 15 000 00 4 Enter term in years 10 Term 10 00 5 Enter annual inter...

Страница 20: ...new Sales Price or precede a Down Payment or Loan Amount entry with Set Finding L A Based on Sales Price Down Pmt Find the loan amount and dollar down payment if the Sales Price is 175 000 and you re...

Страница 21: ...Price 156 250 00 4 Enter term and interest then find monthly payment 30 Term 30 00 9 Int 9 00 Pmt run 1 005 78 Taxes Insurance PITI Payment Your calculator will temporarily store Property Tax Property...

Страница 22: ...based on the Loan Amount If neither Sales Price nor Down Payment has been entered the Sales Price defaults to equal the Loan Amount i e assuming a 100 loan in which case the Tax and Insurance rates ar...

Страница 23: ...Display 1 Recall Tax rate and Insurance rate Rcl Tax 1 00 Rcl Ins 0 25 2 Recall Mortgage Insurance rate Qualifier Plus IIx only Rcl Mtg Ins 0 15 Note Pressing On C On C will set Tax Ins and Mtg Ins re...

Страница 24: ...nsurance Steps Keystrokes Display 1 Clear calculator On C On C 0 00 2 Set Tax rate 1 Tax 1 00 3 Set Insurance rate 25 Ins 0 25 4 Enter annual interest then term in years 8 75 Int 8 75 15 Term 15 00 5...

Страница 25: ...ar ly 350 property insurance premium Steps Keystrokes Display 1 Clear calculator On C On C 0 00 2 Set Tax figure 1 200 Tax 1 200 00 3 Set Insurance figure 350 Ins 350 00 4 Enter annual interest term i...

Страница 26: ...rent tax laws etc When figuring accurate detailed tax information consult a tax specialist Steps Keystrokes Display 1 Clear calculator On C On C 0 00 2 Enter annual taxes and insurance 1 500 Tax 1 500...

Страница 27: ...can find the total interest principal and remaining balance for an entire loan a range of payments years or an individual payment year for fully or partially amortized loans 1 When entering a range of...

Страница 28: ...in the balloon payment Neither calculator includes this While calculating the remaining balance only the remaining princi pal balance is calculated 6 If the first loan payment begins in a month other...

Страница 29: ...teps Keystrokes Display 1 Turn calculator off then back on Off On C 0 00 2 Enter loan amount interest term then find monthly payment 200 000 L A 200 000 00 9 25 Int 9 25 30 Term 30 00 Pmt run 1 645 35...

Страница 30: ...ay 1 Clear calculator On C On C 0 00 2 Set Month Offset to May 5 Set 5 00 3 Enter loan amount interest and term then find the monthly payment 90 000 L A 90 000 00 8 Int 8 00 30 Term 30 00 Pmt run 660...

Страница 31: ...calculator Off On C 0 00 2 Enter loan amount interest term and find monthly payment 175 000 L A 175 000 00 9 25 Int 9 25 30 Term 30 00 Pmt run 1 439 68 3 Display 1st payment period 1 Per Amort run 1...

Страница 32: ...tor Off On C 0 00 2 Enter loan amount 125 000 L A 125 000 00 3 Enter interest term and find monthly payment 10 25 Int 10 25 30 Term 30 00 Pmt run 1 120 13 4 Enter payment periods 1 9 1 9 Per Amort run...

Страница 33: ...t due and payable after 10 years What is the balloon payment remaining balance after 10 years Steps Keystrokes Display 1 Clear calculator On C On C 0 00 2 Enter the loan amount 125 000 L A 125 000 00...

Страница 34: ...tion or appreciation rate of 8 5 Set pay periods to one per year Steps Keystrokes Display 1 Clear calculator On C On C 0 00 2 Set to 1 payment per year 1 Set 1 00 3 Enter present value 200 000 L A 200...

Страница 35: ...age you are thinking about buying has the following terms and con ditions 15 years remaining 100 per month in incoming payments and you want a 25 yield or return on your investment In this case you ar...

Страница 36: ...nder the following terms 60 months remain ing on the term a face amount when due of 7 500 10 interest only payments of 62 50 incoming and he will sell the note for 6 500 if you buy today What would be...

Страница 37: ...that is enter three known variables and solve for the fourth and 2 combine points and fees and press Set Int to solve APR Press Int a second time to display the total finance charges Press a third ti...

Страница 38: ...re included Steps Keystrokes Display 1 Clear calculator On C On C 0 00 2 Enter loan amount interest and term then find monthly payment 50 000 L A 50 000 00 9 Int 9 00 30 Term 30 00 Pmt run 402 31 3 Re...

Страница 39: ...g the Annual Percentage Rate APR In solving for odd days interest you must enter the following 1 the loan amount 2 the annual interest and 3 the number of days from escrow closing to the date of the f...

Страница 40: ...ATOR Add the prepaid interest to the loan s points and fees if they are equal to 1 5 and 500 respectively Then find the Annual Percentage Rate APR based on these closing costs Steps Keystrokes Display...

Страница 41: ...y off time Bi Weekly Term Reduction Payment Find the initial monthly payment on a 30 year 76 500 mortgage at a 10 25 annual interest rate Next convert it to a bi weekly and calculate the number of yea...

Страница 42: ...M function is only used for adjusted periods 2 The split Interest Term Adjustment entry for ARM should always be entered on an annual basis This value is permanently stored in memory 3 After performin...

Страница 43: ...g 1 after six months then decreasing to 1 5 after an additional 12 months Steps Keystrokes Display 1 Clear calculator On C On C 0 00 2 Enter loan amount term in years and annual interest then find ini...

Страница 44: ...s Keystrokes Display 1 Clear calculator On C On C 0 00 2 Enter loan amount term and annual interest 176 000 L A 176 000 00 30 Term 30 00 8 25 Int 8 25 3 Find initial monthly payment Pmt run 1 322 23 4...

Страница 45: ...the initial monthly pay ment 176 000 L A 176 000 00 30 Term 30 00 8 25 Int 8 25 Pmt run 1 322 23 3 Input interest cap 4 Set CAP 4 00 4 Enter ARM parameters then Find 1st 5th adjusted payment 1 1 ARM...

Страница 46: ...orm the following qualify ing functions 1 Store an Income Debt Ratio The entered ratio will remain in storage until revised or reset Qual 1 defaults to 28 36 and Qual 2 to 29 41 Note The Qual 2 key st...

Страница 47: ...e and other entered values Pro Mode If in Pro Mode the order in which the information displays will be differ ent 1 When calculating Annual Income Required the first press of Qual 1 or Qual 2 displays...

Страница 48: ...ng Income Debt Qualifying Ratios Enter and permanently store qualify ing ratios of 28 for Income 36 for Debt Steps Keystrokes Display 1 Clear calculator On C On C 0 00 2 Set qualifying ratios 28 36 Qu...

Страница 49: ...n C On C 0 00 2 Recall Tax rate Insurance rate and Mortgage Insurance rate Rcl Tax 0 00 Rcl Ins 0 00 Rcl Mtg Ins 0 00 3 Enter term in years annual interest and down payment 30 Term 30 00 7 5 Int 7 50...

Страница 50: ...me Debt Buyers who make 68 000 annually with 750 in long term monthly debts wish to buy a home offered at 200 000 For what loan amount can they qualify Use previously stored interest term and qualifyi...

Страница 51: ...is it based on i e buyer s income or debt What are the buyer s actual income and debt ratios Steps Keystrokes Display 1 Find nonrestrictive loan amount Qual 1 run 226 921 30 INC 2 Find actual ratios Q...

Страница 52: ...loan amount Qual 1 run 226 921 30 INC 4 Display actual qualifying ratios Qual 1 22 76 36 00 5 Display stored ratios Qual 1 28 00 36 00 DO NOT CLEAR THE CALCULATOR Continuing on how much money will the...

Страница 53: ...yers earning 68 000 annually with 750 in monthly debts now wish to buy a lower priced home and are willing to put 20 000 down If you include estimated annual property taxes of 1 insurance of 0 5 and a...

Страница 54: ...rm 30 00 7 Display qualifying ratios Qual 1 28 00 36 00 8 Find qualifying loan amount Qual 1 run 149 695 67 9 Find Price Price 169 695 67 DO NOT CLEAR THE CALCULATOR Now find the monthly payment and P...

Страница 55: ...nal loan can he qualify for if using 28 36 ratios What size government loan if using 29 41 ratios Use Qual 1 for conventional qualifying Qual 2 for government qualifying Find the month ly payment for...

Страница 56: ...P I payment then total payment Pmt 530 00 Pmt 580 00 DO NOT CLEAR THE CALCULATOR Steps Keystrokes Display 1 Find Qual 2 stored ratios Qual 2 29 00 41 00 2 Find Qual 2 qualifying loan amount Qual 2 run...

Страница 57: ...kes Display 1 Clear calculator On C On C 0 00 2 Enter annual interest 8 Int 8 00 3 Enter term in years then enter sales price 30 Term 30 00 245 000 Price 245 000 00 4 Enter down payment percent and fi...

Страница 58: ...for 30 years Steps Keystrokes Display 1 Clear calculator On C On C 0 00 2 Enter interest term loan amount and annual income 10 Int 10 00 30 Term 30 00 150 000 L A 150 000 00 85 000 Inc 85 000 00 3 En...

Страница 59: ...pproximately 800 hours of actual use 1 year plus for most people If the display becomes weak or erratic replace the battery After 8 12 minutes of non use your calculator shuts itself off If this happe...

Страница 60: ...RANTY INCLUDE BUT ARE NOT LIMITED TO BAT TERY LEAKAGE BENDING OR VISIBLE CRACKING OF THE LCD WHICH ARE PRESUMED TO BE DAM AGES RESULTING FROM MISUSE OR ABUSE To obtain warranty service in the U S ship...

Страница 61: ...for goods purchased out side the U S contact the dealer through which you initially purchased the product If you cannot reasonably have the product repaired in your area you may contact CII to obtain...

Страница 62: ...or consequential damages so the above limitation or exclusion may not apply to you This warranty gives you spe cific rights and you may also have other rights which vary from state to state FCC Class...

Страница 63: ...II Headquarters User s Guide 63 Mail Calculated Industries Inc 4840 Hytech Drive Carson City NV 89706 USA Phone 1 775 885 4900 Fax 1 775 885 4949 Email techsup calculated com World Wide Web http www c...

Страница 64: ...lculated Industries are registered trademarks of Calculated Industries Inc 2000 ALL RIGHTS RESERVED Software copyrighted and licensed to Calculated Industries by Real Estate Master Technologies LLC 20...

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