HP 39gII, Руководство пользователя

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136 Finance app
1. Start the Finance App. Use the arrow keys to highlight
P/YR
. Verify that
P/YR = 12
and
End
is set for
payments occurring at the end of the compounding
period.
2. Enter the known TVM
variables from the
example as shown in the
figure.
3. Highlight
PMT
and press to obtain a payment
of -$948.10.
4. To determine the balloon payment or future value (FV)
for the mortgage after 10 years, enter 120 for
N
,
highlight
FV
, and press . This calculates the
future value of the loan as -$127,164.19.
N O T E The negative values indicate payments from the
homeowner.
Calculating Amortizations
Amortization calculations, which also use the TVM
variables, determine the amounts applied towards
principal and interest in a payment, or a series of
payments.
To calculate amortizations:
1. Start the Finance Solver as indicated at the beginning
of this section.
2. Set the following TVM variables:
•
Number of payments per year (
P/YR
)
•
Payment at beginning or end of periods
PV = $150,000
1 2
59 60
l%YR = 6.5
N = 30 x 12 = 360 (for PMT)
N = 10 x 12 = 120 (for balloon payment)
P/YR = 12; End mode
PMT = ?
Balloon payment,
FV = ?