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t
Property Tax
— Used for calculating PITI and Total
(PITH) payment, and Qualifying. Stores estimated
annual property tax in either percent or dollar
amount. If entered as an annual dollar amount, a
press of t converts to the monthly tax amount,
and pressing t again converts to the annual per-
centage rate. If entered as a percentage, pressing
t converts to the annual dollar amount, and
pressing t once more shows the monthly tax.
Note: Entering a number equal to or less than ten is assumed to
be an annual percentage. Property tax is calculated from the
sales price (therefore, you should also enter a Down Payment).
U.S. Keys (Used in U.S. Mode)
Note: Calculator must be set to U.S. Mode. See page 16.
A
Adjustable Rate Mortgage
— Calculates the pay-
ment and re-amortizes a fully or partially amortized
Adjustable Rate Mortgage based on the inputs of
both an Interest Adjustment and a Term Adjustment,
which are entered using the Colon : key (Interest
Adjustment : Term Adjustment). For example, an
ARM which increases 1% every year is entered 1
: 1 A; an ARM which decreases 1% per year is
entered 1 : 1 s A. (ARM rates are stored
permanently.)
s A
Lifetime Interest Cap (ARMs)
— Sets the lifetime
interest cap for ARMs by entering the maximum
interest increase. This is a permanent setting; to
clear, set the cap back to zero (0 s %).
s ˆ
Annual Percentage Rate (APR)
— Calculates APR
(for fixed-rate loans only) based on the entry of
points and/or non-recurring loan fees paid at initia-
tion. It also calculates total finance charges, monthly
mortgage insurance, and PIMI payment, based on
the entry of mortgage insurance via the  keys.
3420UG-E-A 7/2/04 9:06 AM Page 13
- User’s Guide 1
- Introducing the C 2
- Mortgage Calculator 2
- TABLE OF CONTENTS 3
- KEY DEFINITIONS 7
- GETTING STARTED 7
- UALIFIER 11
- CALCULATOR SETTINGS 16
- FUNCTION KEYSTROKES 20
- STEPS KEYSTROKES DISPLAY 20
- *Perform a 21
- KEYSTROKE DISPLAY 21
- BASIC ARITHMETIC EXAMPLES 23
- USING THE DATE FUNCTION 25
- EXAMPLES — 26
- *Note: Use the 27
- (Cont’d) 36
- Note: Use the 40
- BUYER PRE-QUALIFYING 45
- (under 20%) 46
- QUALIFYING EXAMPLES 47
- Expense key 56
- Using Lifetime Cap 62
- Ratios (enter 71
- 2 8 : 3 6 q 74
- APPENDIX 75
- Return Guidelines: 77
- Warranty 77
- Appendix, 74 80
- Printed in China 84
- 3420UG-E-A 84
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