Calculated Industries Qualifier Plus IIIFX-Desktop Handleiding

Calculated Industries Rekenmachine Qualifier Plus IIIFX-Desktop

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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


Product specificaties

Merk: Calculated Industries
Categorie: Rekenmachine
Model: Qualifier Plus IIIFX-Desktop
Soort bediening: Knoppen
Kleur van het product: Zilver
Gewicht: 308 g
Breedte: 162 mm
Diepte: 35 mm
Hoogte: 229 mm
Soort: Financiële rekenmachine
Stroombron: Batterij/Accu
Vormfactor: Desktop
Accu/Batterij voltage: 3 V
Ondersteund aantal accu's/batterijen: 1
Aantal toetsen: 45 toetsen
Levensduur accu/batterij: 3000 uur
Afdekzeil: Nee
Cijfers: 9 cijfers
Beeldscherm kanteling: Ja
Tekstregels: - regels
Belasting berekening: Ja
Automatische uitschakeling na: 12 min
Winst berekening: Ja
Type beeldscherm: LCD
Type batterij: CR2032
Display met achtergrondverlichting: Nee
Schermgrootte (display): 41 x 135 mm
Afmetingen scherm (HxV) (imperiaal): 1.6 x 5.3 "

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