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Monthly Payment

Find the monthly payment on a 30-year

loan of $220,000 at 7.5% annual interest

rate.

Keystroke

Display

[On/C] [On/C] 0.00

220000 [Loan Amt] 220,000.00

7.5 [Int] 7.50

30 [Term] 30.00

[Pmt] 1,538.27

Term

How long does it take to pay off a loan of

$275,000 at 6.5% interest if you make pay-

ments of $1,700 each month?

Keystroke

Display

[On/C] [On/C] 0.00

275000 [Loan Amt] 275,000.00

6.5 [Int] 6.50

1700 [Pmt] 1,700.00

[Term] 32.23

What is the periodic term, or # of months?

Keystroke Display

[Term] 386.76

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

[On/C] [On/C] 0.00

155000 [Loan Amt] 155,000.00

30 [Term] 30.00

1100 [Pmt] 1,100.00

[Int] 7.65

What is the periodic interest?

Keystroke

Display

[Int] 0.64

LOAN PROBLEMS

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

[On/C] [On/C] 0.00

7.75 [Int] 7.75

30 [Term] 30.00

1200 [Pmt] 1,200.00

[Loan Amt] 167,501.32

Quarterly Payment

Find the quarterly payment on a 10-year

loan of $15,000 at 10% annual interest

rate.

Keystroke

Display

[On/C] [On/C] 0.00

4 [Set] [÷] 4.00

10 [Term] 10.00

15000 [Loan Amt] 15,000.00

10 [Int] 10.00

[Pmt] 597.54

12 [Set] [÷]

(return to 12 pmts/yr)

12.00

Delta %—Rate of Appreciation

A home originally purchased for $150,000

sold a year later for $185,000. What is the

rate of appreciation?

Keystroke

Display

150000 [Set] [%] 150,000.00

185000 [=] 23.33

Total Interest & Principal Paid—

Amortization

How much interest & principal and total will

you pay on a 30-year, $180,000 loan at

7% interest?

Keystroke

Display

[On/C] [On/C] 0.00

180000 [Loan Amt] 180,000.00

7 [Int] 7.00

30 [Term] 30.00

[Pmt] 1,197.54

[Set] [Pmt]

(range of pmts.)

1-360

[Pmt]

(total interest)

251,116.02

[Pmt]

(total principal)

180,000.00

[Pmt]

(total payments)

431,116.02

Total Interest, Principal & Rem.

Balance—for Range of Payments

How much total interest & principal will you

pay in payments 1-36 on a 30-year,

$100,000 loan at 7% interest? What is the

remaining balance after payments 1-36?

Keystroke

Display

[On/C] [On/C] 0.00

100000 [Loan Amt] 100,000.00

7 [Int] 7.00

30 [Term] 30.00

[Pmt] 665.30

36 [Set] [Pmt]

(range of pmts.)

1-36

[Pmt]

(total interest)

20,677.85

[Pmt]

(total principal)

3,273.04

[Pmt]

(total payments)

23,950.89

[Pmt]

(rem. balance)

96,726.96*

Note: Also displayed via 36

[Set] [Loan Amt].

Trust Deed/Purchase Price of a

Note—Fully Amortized

You’d like to buy a mortgage with 15 years

remaining, $100 per month in incoming

payments and you desire a 25% return.

What will you pay for the mortgage? What

if you desire a 20% yield?

Keystroke

Display

[On/C] [On/C] 0.00

25 [Int] 25.00

15 [Term] 15.00

100 [Pmt] 100.00

[Loan Amt]

(price)

4,682.68

20 [Int] 20.00

[Loan Amt]

(new price)

5,693.80

Future Value

What will a $200,000 house be worth after

3 years, if you figure an inflation or apprecia-

tion rate of 8.5%?

Note: Set periods to one per year.

Keystroke Display

[On/C] [On/C] 0.00

1 [Set] [÷] 1.00

200000 [Loan Amt] 200,000.00

3 [Term] 3.00

8.5 [Int] 8.50

[FV] 255,457.83

12 [Set] [÷]

(return to 12 pmts/yr)

12.00

USER’S GUIDE

Software copyrighted and licensed to

Calculated Industries, by Real Estate Master

Technologies, LLC, 2003.

User’s Guide copyrighted by

Calculated Industries, 2003.

Real Estate Master

® and

Calculated Industries

® are

registered trademarks of Calculated Industries

Designed in the U.S.A.

Calculated Industries

4840 Hytech Drive

Carson City, NV 89706 U.S.A.

Tech. Support Line: 1-775-885-4975

Fax: 1-775-885-4949

[email protected]

www.calculated.com

3265/3275UG-E-E

7/03

1 2

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Pagina 1 - USER’S GUIDE

Monthly PaymentFind the monthly payment on a 30-yearloan of $220,000 at 7.5% annual interestrate. KeystrokeDisplay[On/C] [On/C] 0.00220000 [Loan Amt]

Pagina 2 - WARRANTY

[On/C] — On/Clear KeyTurns power on. Pressing once clears the dis-play. Pressing twice clears all temporary values.[Off] — Off KeyTurns all power off,

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