Calculated Industries Pocker Real Estate Master 3400 Manuel utilisateur

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Po c k e t Re f e R e n c e Gu i d e — 3

Table of Contents

Key Definitions ................................................3

Mortgage/TVM Keys ............................. 4

Amortization Keys.................................5

Date Key ............................................... 6

Payments Per Year...............................6

Delta Percent ........................................ 6

Percentage Calculations.......................7

Memory................................................. 7

Decimal Place Selection....................... 8

Clear All ................................................8

Loan Examples ................................................8

Monthly Payment .................................. 8

Term...................................................... 9

Interest Rate .........................................9

Loan Amount....................................... 10

Interest-Only Payment (Calculation)...10

Interest-Only Payment (Entry) ........... 11

Quarterly Payment.............................. 11

Amortization - Total Interest and

Principal Paid...................................... 11

Total Interest and Principal -

for Range of Payments.......................12

Total Interest, Principal and Remaining

Balance - for Range of Years .............13

Balloon Payment/Remaining Balance

.. 14

Trust Deed/Purchase Price of a Note -

Fully Amortized ...................................14

Future Value .......................................15

Date Examples ...................................15

Delta % - Rate of Appreciation ........... 16

Accuracy and Auto Shut-Off .......................16

Repair and Return ........................................17

Warranty .........................................................18

Key Denitions

Basic Function Keys

OOn/Clear Key ─ Turns power on.

Pressing once clears the display.

Pressing twice clears all tempo-

rary

values.

sO Off ─ turns all power off, clearing

all non-permanent registers.

+ -

*,=Arithmetic operation keys.

0–9

and .

Digits used for keying in num-

bers.

%Percent (%) ─ four-function

(+, -, x, ÷) percent.

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Po c k e t Re f e R e n c e Gu i d e — 3

Table of Contents

Key Definitions ................................................3

Mortgage/TVM Keys ............................. 4

Amortization Keys.................................5

Date Key ............................................... 6

Payments Per Year...............................6

Delta Percent ........................................ 6

Percentage Calculations....................... 7

Memory................................................. 7

Decimal Place Selection....................... 8

Clear All ................................................8

Loan Examples ................................................8

Monthly Payment .................................. 8

Term...................................................... 9

Interest Rate .........................................9

Loan Amount....................................... 10

Interest-Only Payment (Calculation)...10

Interest-Only Payment (Entry) ........... 11

Quarterly Payment.............................. 11

Amortization - Total Interest and

Principal Paid...................................... 11

Total Interest and Principal -

for Range of Payments....................... 12

Total Interest, Principal and Remaining

Balance - for Range of Years .............13

Balloon Payment/Remaining Balance

.. 14

Trust Deed/Purchase Price of a Note -

Fully Amortized ...................................14

Future Value .......................................15

Date Examples ...................................15

Delta % - Rate of Appreciation ........... 16

Accuracy and Auto Shut-Off .......................16

Repair and Return ........................................17

Warranty .........................................................18

Key Denitions

Basic Function Keys

OOn/Clear Key ─ Turns power on.

Pressing once clears the display.

Pressing twice clears all tempo-

rary

values.

sO Off ─ turns all power off, clearing

all non-permanent registers.

+ -

*,=Arithmetic operation keys.

0–9

and .

Digits used for keying in num-

bers.

%Percent (%) ─ four-function

(+, -, x, ÷) percent.

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Po c k e t Re f e R e n c e Gu i d e — 5

Mortgage/TVM

(Time Value of Money) Keys

LLoan Amount or Present Value

─ Enters or solves for the initial

loan amount or present value of a

financial problem.

PPayment ─ Enters or solves for

the periodic principal and interest

(P&I) payment.

sP Interest-Only Payment ─

Enters or solves for the periodic

interestonly payment. A term

does not need to be entered to

solve interest-only payments.

TTerm of Loan ─ Enters or solves

for the number of years. A second

press will display the number of

periods.

IInterest ─ Enters or solves the

annual interest rate. A second

press will display the periodic

(monthly) interest rate.

sL Future Value ─ Enters or solves

for the future value of a financial

problem.

s+ Periodic ─ Used with other

function keys to designate a value

as periodic rather than annual

(e.g., 360s+T).

Note: Interest and Term are stored

permanently, until they are changed. This

means, when you turn the calculator off, the

values will stay in memory.

Amortization Keys

aAmortization ─ Displays the

range of payments, total interest,

total principal, total payments and

remaining balance, for an entered

number of years or periods. For

example, to amortize year 1 enter

1 a to display the total P&I

reduction for payments 1-12.

sa Remaining Balance ─ Displays

the remaining balance of the loan,

for an entered number of years or

periods (e.g., 1sadisplays

the remaining balance after pay-

ment 12).

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Po c k e t Re f e R e n c e Gu i d e — 5

Mortgage/TVM

(Time Value of Money) Keys

LLoan Amount or Present Value

─ Enters or solves for the initial

loan amount or present value of a

financial problem.

PPayment ─ Enters or solves for

the periodic principal and interest

(P&I) payment.

sP Interest-Only Payment ─

Enters or solves for the periodic

interestonly payment. A term

does not need to be entered to

solve interest-only payments.

TTerm of Loan ─ Enters or solves

for the number of years. A second

press will display the number of

periods.

IInterest ─ Enters or solves the

annual interest rate. A second

press will display the periodic

(monthly) interest rate.

sL Future Value ─ Enters or solves

for the future value of a financial

problem.

s+ Periodic ─ Used with other

function keys to designate a value

as periodic rather than annual

(e.g., 360s+T).

Note: Interest and Term are stored

permanently, until they are changed. This

means, when you turn the calculator off, the

values will stay in memory.

Amortization Keys

aAmortization ─ Displays the

range of payments, total interest,

total principal, total payments and

remaining balance, for an entered

number of years or periods. For

example, to amortize year 1 enter

1 a to display the total P&I

reduction for payments 1-12.

sa Remaining Balance ─ Displays

the remaining balance of the loan,

for an entered number of years or

periods (e.g., 1sadisplays

the remaining balance after pay-

ment 12).

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Po c k e t Re f e R e n c e Gu i d e — 7

Date Key

.Date Entry Key ─ Used to

separate the month, day, and year

when entering dates

(e.g., 5.2.0.7to enter

05-02-07).This allows you to add

or subtract a number of days from

a date to find a second date, and

subtract one date from another

date to find the number of days in

between.

Payments Per Year

The calculator is set to monthly loans, or

12 payments per year (Pmts/Yr). To

change to other than 12 payments per

year, use the sand ,keys (e.g., to set a

loan to 6 payments per year, press:

6s,).

Note: Remember to change back to 12 by

either resetting

12s,

or performing a

Clear All/Reset

Delta Percent

s% Delta Percent Key (Δ%) ─

Finds the percent change

between two values.

Percentage Calculations

The percent % key can be used for finding

a given percent of a number or for working

add-on, discount or division % calculations.

For example:

800*25%= 200.00

250+10%= 275.00

25-5%= 23.75

100,50%= 200.00

Memory

MStore value in semi-permanent

memory (e.g., 150M).

s M Recall memory value (e.g., if

150 has been stored in

Memory, pressing sMwill

display

MM Clears memory value.

Note: Semi-permanent means the value is not

cleared by pressing

twice. Value is also

cleared when the calculator is turned off.

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Po c k e t Re f e R e n c e Gu i d e — 7

Date Key

.Date Entry Key ─ Used to

separate the month, day, and year

when entering dates

(e.g., 5.2.0.7to enter

05-02-07).This allows you to add

or subtract a number of days from

a date to find a second date, and

subtract one date from another

date to find the number of days in

between.

Payments Per Year

The calculator is set to monthly loans, or

12 payments per year (Pmts/Yr). To

change to other than 12 payments per

year, use the sand ,keys (e.g., to set a

loan to 6 payments per year, press:

6s,).

Note: Remember to change back to 12 by

either resetting

12s,

or performing a

Clear All/Reset

Delta Percent

s% Delta Percent Key (Δ%) ─

Finds the percent change

between two values.

Percentage Calculations

The percent % key can be used for finding

a given percent of a number or for working

add-on, discount or division % calculations.

For example:

800*25%= 200.00

250+10%= 275.00

25-5%= 23.75

100,50%= 200.00

Memory

MStore value in semi-permanent

memory (e.g., 150M).

s M Recall memory value (e.g., if

150 has been stored in

Memory, pressing sMwill

display

MM Clears memory value.

Note: Semi-permanent means the value is not

cleared by pressing

twice. Value is also

cleared when the calculator is turned off.

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Po c k e t Re f e R e n c e Gu i d e — 9

Decimal Place Selection

Press sand the number of decimal places

desired, up to six (e.g., s1, s2, etc.).

Pressing s7 will set the calculator to

floating decimal point mode.

Note: When you turn the calculator off

(

s O

), the number of decimal places is

restored to two places.

Clear All

To clear/reset calculator to its default val-

ues, press sand *(Clear All).

CAUTION: Use this only when you wish to

return the calculator to its default values.

LOAN EXAMPLES

Monthly Payment

Find the monthly payment on a 30-year

loan of $220,000 at 7.5% annual interest

rate.

KEYSTROKE DISPLAY

OO 0.00

220000L 220,000.00

7 . 5 I 7.50

30T 30.00

P1,538.27

Term

How long does it take to pay off a loan of

$275,000 at 6.5% interest if you make

payments of $1,700 each month?

KEYSTROKE DISPLAY

OO 0.00

275000L275,000.00

6 . 5 I 6.50

1700P1,700.00

T32.23

How long does it take to pay off a loan of

$275,000 at 6.5% interest if you make

payments of $1,700 each month?

KEYSTROKE DISPLAY

T386.76

Interest Rate

Find the interest rate on a mortgage where

the loan amount is $155,000, term is 30

years and the monthly payment is $1,100.

KEYSTROKE DISPLAY

OO 0.00

155000L 155,000.00

30T 30.00

1100P 1,100.00

I7.65

(cont'd)

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Po c k e t Re f e R e n c e Gu i d e — 9

Decimal Place Selection

Press sand the number of decimal places

desired, up to six (e.g., s1, s2, etc.).

Pressing s7 will set the calculator to

floating decimal point mode.

Note: When you turn the calculator off

(

s O

), the number of decimal places is

restored to two places.

Clear All

To clear/reset calculator to its default val-

ues, press sand *(Clear All).

CAUTION: Use this only when you wish to

return the calculator to its default values.

LOAN EXAMPLES

Monthly Payment

Find the monthly payment on a 30-year

loan of $220,000 at 7.5% annual interest

rate.

KEYSTROKE DISPLAY

OO 0.00

220000L 220,000.00

7 . 5 I 7.50

30T 30.00

P1,538.27

Term

How long does it take to pay off a loan of

$275,000 at 6.5% interest if you make

payments of $1,700 each month?

KEYSTROKE DISPLAY

OO 0.00

275000L275,000.00

6 . 5 I 6.50

1700P1,700.00

T32.23

How long does it take to pay off a loan of

$275,000 at 6.5% interest if you make

payments of $1,700 each month?

KEYSTROKE DISPLAY

T386.76

Interest Rate

Find the interest rate on a mortgage where

the loan amount is $155,000, term is 30

years and the monthly payment is $1,100.

KEYSTROKE DISPLAY

OO 0.00

155000L 155,000.00

30T 30.00

1100P 1,100.00

I7.65

(cont'd)

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Po c k e t Re f e R e n c e Gu i d e — 11

What is the periodic interest?

KEYSTROKE DISPLAY

I0.64

Loan Amount

How much can you borrow if the interest

rate is 7.75% on a 30-year mortgage and

you can afford to pay $1,200 each month?

KEYSTROKE DISPLAY

OO 0.00

7 . 75I7.75

30T 30.00

1200P 1,200.00

L167,501.32

Interest–Only Payment

(Calculation)

Find the interest-only payment on a loan of

$15,000 at 9% interest.

KEYSTROKE DISPLAY

OO 0.00

15000L 15,000.00

9 I 9.00

s P 112.50

(cont'd)

Interest–Only Payment (Entry)

How much can you borrow if the interest

rate is 7% on a 30-year interest–only mort-

gage and you can afford to pay $1,000

each month?

KEYSTROKE DISPLAY

OO 0.00

7 I 7.00

1000s P 1000.00

L171,428.57

Quarterly Payment

Find the quarterly payment on a 10-year

loan of $15,000 at 10% annual interest

rate.

KEYSTROKE DISPLAY

OO 0.00

4s, 4.00

10T 10.00

P597.54

12s, (return to 12 pmts/yr) 12.00

Amortization-Total Interest and

Principal Paid

How much interest, principal and total

payments will you pay on a 30-year,

$180,000 loan at 7% interest?

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