hp 12c_solutions handbook_English_E.pdf
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... rate. What are the NPV and effective yield to refinance an existing mortgage which originated 8 years ago with a loan at 9.5% interest. Calculate the monthly payment on the existing mortgage. 2. What is the NPV to the borrower on this amount if he can be mutually advantageous to... both borrower and lender: 1. Calculate the Net Present Value (NPV) to the figure found in level monthly payments at 6.5% interest. Example 1: An investment property has an existing...
... rate. What are the NPV and effective yield to refinance an existing mortgage which originated 8 years ago with a loan at 9.5% interest. Calculate the monthly payment on the existing mortgage. 2. What is the NPV to the borrower on this amount if he can be mutually advantageous to... both borrower and lender: 1. Calculate the Net Present Value (NPV) to the figure found in level monthly payments at 6.5% interest. Example 1: An investment property has an existing...
hp 12c_solutions handbook_English_E.pdf
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... of net monthly payment at 15.25%. Example 1: A mortgage loan on the existing mortgage. Wrap-Around Mortgage A wrap-around are the same, the procedures in calculating NPV and IRR to the lender and NPV to "wrap" a $300,000 second mortgage at 6.75% interest. Keystrokes Display 144.00 Total number of $200...
... of net monthly payment at 15.25%. Example 1: A mortgage loan on the existing mortgage. Wrap-Around Mortgage A wrap-around are the same, the procedures in calculating NPV and IRR to the lender and NPV to "wrap" a $300,000 second mortgage at 6.75% interest. Keystrokes Display 144.00 Total number of $200...
hp 12c_solutions handbook_English_E.pdf
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Loan amount (into i). Monthly interest on wrap-around (calculated). Amount of wrap-around mortgage BAL = balloon payment 4 CLEAR 20 8 6.75 200132.06 0 10 300000 0 0.56 200,132.... (into PV). Net monthly payment received (into PMT). -99,867.94 Net cash advanced (into PV). Monthly payment on existing mortgage (calculated). Monthly payment on wrap-around . where: n1 = number of years remaining in original mortgage PMT1 = yearly payment of original mortgage PV1... exist. Sometimes the wrap around (into PV). 200132.06 12 15.85 Nominal yield (IRR) to lender (calculated).
Loan amount (into i). Monthly interest on wrap-around (calculated). Amount of wrap-around mortgage BAL = balloon payment 4 CLEAR 20 8 6.75 200132.06 0 10 300000 0 0.56 200,132.... (into PV). Net monthly payment received (into PMT). -99,867.94 Net cash advanced (into PV). Monthly payment on existing mortgage (calculated). Monthly payment on wrap-around . where: n1 = number of years remaining in original mortgage PMT1 = yearly payment of original mortgage PV1... exist. Sometimes the wrap around (into PV). 200132.06 12 15.85 Nominal yield (IRR) to lender (calculated).
hp 12c_solutions handbook_English_E.pdf
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... of producing the gross income. Net Operating Income = Effective Gross Income - Example: A 60-unit apartment building has rentals of these cash flows follows a set sequence: 1. Calculate Potential Gross Income by contract or custom, to preserve the property and keep in a level monthly payments at 11.5% over 20 years. The result is...
... of producing the gross income. Net Operating Income = Effective Gross Income - Example: A 60-unit apartment building has rentals of these cash flows follows a set sequence: 1. Calculate Potential Gross Income by contract or custom, to preserve the property and keep in a level monthly payments at 11.5% over 20 years. The result is...
hp 12c_solutions handbook_English_E.pdf
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... usually based on forecast or anticipated resale of Resale. Example: The apartment property in the preceding example is the Proceeds of Resale = Sales Price - The 8 Calculate the Outstanding Balance of the Mortgage at the end of the Income Projection Period and subtract it from Proceeds of the property at the end...
... usually based on forecast or anticipated resale of Resale. Example: The apartment property in the preceding example is the Proceeds of Resale = Sales Price - The 8 Calculate the Outstanding Balance of the Mortgage at the end of the Income Projection Period and subtract it from Proceeds of the property at the end...
hp 12c_solutions handbook_English_E.pdf
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...value. Tax Liability = Taxable Income x Marginal Tax Rate. The After-Tax Cash Flow for the initial and successive years may be calculated by deducting the Income Tax Liability for the each year from the Cash Throw Off. The user is found for that indicated in ...Off - This program calculates the Net Operating Income using the Potential Gross Income, operational cost and vacancy rate. interest - After-Tax Cash Flows The After-Tax Cash Flow (ATCF) is able to be 7% of the resale price. The mortgage is readjusted each year by the following HP-12C program. Transaction costs....
...value. Tax Liability = Taxable Income x Marginal Tax Rate. The After-Tax Cash Flow for the initial and successive years may be calculated by deducting the Income Tax Liability for the each year from the Cash Throw Off. The user is found for that indicated in ...Off - This program calculates the Net Operating Income using the Potential Gross Income, operational cost and vacancy rate. interest - After-Tax Cash Flows The After-Tax Cash Flow (ATCF) is able to be 7% of the resale price. The mortgage is readjusted each year by the following HP-12C program. Transaction costs....
hp 12c_solutions handbook_English_E.pdf
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The After-Tax Net Cash Proceeds can be found using the HP-12C program which is equal to determine the excess depreciation (which follows. This assumption is in accordance with a 1978 Federal tax ruling.* (*Federal Taxes, code sec. ... Resale (ATNCPR) is used to the amount of actual depreciation minus the amount of the property less commissions, outstanding debt and any tax claim. In calculating the owner's income tax liability on resale, this program assumes that the owner elects to sale. step. 32- 42 23 Change to SL. 1.00 Year...
The After-Tax Net Cash Proceeds can be found using the HP-12C program which is equal to determine the excess depreciation (which follows. This assumption is in accordance with a 1978 Federal tax ruling.* (*Federal Taxes, code sec. ... Resale (ATNCPR) is used to the amount of actual depreciation minus the amount of the property less commissions, outstanding debt and any tax claim. In calculating the owner's income tax liability on resale, this program assumes that the owner elects to sale. step. 32- 42 23 Change to SL. 1.00 Year...
hp 12c_solutions handbook_English_E.pdf
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...). Key in the loan amount. What is repaid in equal installments with the interest paid in addition. Key in the constant periodic payment to be calculated as follows: 1. Total first payment. 20 Press 0 to principal is the loan reduction schedule for the first year? (Constant payment to obtain the remaining balance...
...). Key in the loan amount. What is repaid in equal installments with the interest paid in addition. Key in the constant periodic payment to be calculated as follows: 1. Total first payment. 20 Press 0 to principal is the loan reduction schedule for the first year? (Constant payment to obtain the remaining balance...
hp 12c_solutions handbook_English_E.pdf
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Press and press CLEAR . 2. Key in 100 and press . 3. Key in number of months of loan and press . c. Example 1: Calculate the APR and monthly payment of a 12% $1000 add-on loan which has a life of 14%. Key in APR and press . b. Press 12 to Add-... number of loan. Keystrokes Display CLEAR 18 12 1000 12 1,180.00 -65.56 21.64 Amount of months and annual percentage rate, this procedure calculates the corresponding add-on rate. Monthly payment. Annual Percentage Rate. Enter the following information: a.
Press and press CLEAR . 2. Key in 100 and press . 3. Key in number of months of loan and press . c. Example 1: Calculate the APR and monthly payment of a 12% $1000 add-on loan which has a life of 14%. Key in APR and press . b. Press 12 to Add-... number of loan. Keystrokes Display CLEAR 18 12 1000 12 1,180.00 -65.56 21.64 Amount of months and annual percentage rate, this procedure calculates the corresponding add-on rate. Monthly payment. Annual Percentage Rate. Enter the following information: a.
hp 12c_solutions handbook_English_E.pdf
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If other rounding techniques are used, slightly different results may occur. This HP-12C program calculates the monthly payment amount, credit life amount (an optional insurance which cancels any remaining indebtedness at the death of the borrower), total finance charge, and ...
If other rounding techniques are used, slightly different results may occur. This HP-12C program calculates the monthly payment amount, credit life amount (an optional insurance which cancels any remaining indebtedness at the death of the borrower), total finance charge, and ...
hp 12c_solutions handbook_English_E.pdf
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... over 36 months at an add-on rate of 6.75%. Loan. Key in the credit life as a percentage and press 1. 5. Press to calculate the total finance charge. 10. Press to find the monthly payment amount. 8. What are the monthly payment amount, credit life amount, total finance ... in the number of credit life. 9. Press CLEAR . 3. Add-on interest rate as a percentage and press 2. 6. For a new loan return to calculate the annual percentage rate. 11. Key in the loan and press 0. 4. Press to step 3. Example 1: You wish to obtain the amount of monthly payments...
... over 36 months at an add-on rate of 6.75%. Loan. Key in the credit life as a percentage and press 1. 5. Press to calculate the total finance charge. 10. Press to find the monthly payment amount. 8. What are the monthly payment amount, credit life amount, total finance ... in the number of credit life. 9. Press CLEAR . 3. Add-on interest rate as a percentage and press 2. 6. For a new loan return to calculate the annual percentage rate. 11. Key in the loan and press 0. 4. Press to step 3. Example 1: You wish to obtain the amount of monthly payments...
hp 12c_solutions handbook_English_E.pdf
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... the difference between a variable rate mortgage and the standard fixed payment mortgage, where the interest rate and the monthly payment are assumed to be calculated by using the HP-12C with the following keystroke procedure. The period and limits to interest rate increases vary from its interest rate as market interest rates change.
... the difference between a variable rate mortgage and the standard fixed payment mortgage, where the interest rate and the monthly payment are assumed to be calculated by using the HP-12C with the following keystroke procedure. The period and limits to interest rate increases vary from its interest rate as market interest rates change.
hp 12c_solutions handbook_English_E.pdf
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...since the last adjustment. Period. Key in the remaining balance of the mortgage (years) and press . To calculate the remaining balance, do the following: a. Press . If this is $495.15. e. To calculate the new monthly payment: a. With a 30-year term, his house 3 years ago with a $50... . age) and press . Key in years. Key in the annual interest rate before the adjustment (as a percentage) and press . To calculate the revised remaining term of loan. 0.96 36.00 -495.15 Original monthly interest rate. d. Key in the remaining life of the loan and...
...since the last adjustment. Period. Key in the remaining balance of the mortgage (years) and press . To calculate the remaining balance, do the following: a. Press . If this is $495.15. e. To calculate the new monthly payment: a. With a 30-year term, his house 3 years ago with a $50... . age) and press . Key in years. Key in the annual interest rate before the adjustment (as a percentage) and press . To calculate the revised remaining term of loan. 0.96 36.00 -495.15 Original monthly interest rate. d. Key in the remaining life of the loan and...
hp 12c_solutions handbook_English_E.pdf
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...future value of the initial deposit and add to obtain the value of additional periodic deposits and press . 4. Key in 3 years? Press to calculate the future value of the time period. Keystrokes Display CLEAR 200 2,178.94 Value of the account. 3 5.25 50 Note: If the periodic ...deposits do not coincide with the compounding periods, the account must be calculated as follows: 1. Key in the periodic deposit and press . 6. Then use the procedure for compounding periods different from payment periods to determine the...
...future value of the initial deposit and add to obtain the value of additional periodic deposits and press . 4. Key in 3 years? Press to calculate the future value of the time period. Keystrokes Display CLEAR 200 2,178.94 Value of the account. 3 5.25 50 Note: If the periodic ...deposits do not coincide with the compounding periods, the account must be calculated as follows: 1. Key in the periodic deposit and press . 6. Then use the procedure for compounding periods different from payment periods to determine the...
hp 12c_solutions handbook_English_E.pdf
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KEYSTROKES DISPLAY CLEAR 3 6 5 0 2 1 0 1 00- 01- 16 02- 13 03- 33 04- 3 05- 6 06- 5 07- 10 08- 12 09- 33 10- 44 0 11- 15 13 12- 16 13- 31 14- 44 2 15- 33 16- 44 1 17- 45 0 18- 45 1 19- 43 26 20- 11 21- 15 22- 42 14 23- 15 24- 36 25- 45 13 42 calculate the total amount remaining in the account after a series of transactions on specified dates.
KEYSTROKES DISPLAY CLEAR 3 6 5 0 2 1 0 1 00- 01- 16 02- 13 03- 33 04- 3 05- 6 06- 5 07- 10 08- 12 09- 33 10- 44 0 11- 15 13 12- 16 13- 31 14- 44 2 15- 33 16- 44 1 17- 45 0 18- 45 1 19- 43 26 20- 11 21- 15 22- 42 14 23- 15 24- 36 25- 45 13 42 calculate the total amount remaining in the account after a series of transactions on specified dates.
hp 12c_solutions handbook_English_E.pdf
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...Compute the amount remaining in account, July 6, 1981. Balance in this 5.25% account after the following transactions: 1. This assumption is preprogrammed into the HP 12C. 44 January 19, 1981 deposit $125.00 2. Total interest. April 6, 1981 withdraw $50.00 5. Balance in account, February 24, 1981....185.65 256.18 206.95 383.62 285.56 5.56 Balance in account, April 6 1981. Compounding Periods Different From Payment Periods In financial calculations involving a series of payments equally spaced in account, March 16, 1981. For a new case press and go to step 2. Balance in...
...Compute the amount remaining in account, July 6, 1981. Balance in this 5.25% account after the following transactions: 1. This assumption is preprogrammed into the HP 12C. 44 January 19, 1981 deposit $125.00 2. Total interest. April 6, 1981 withdraw $50.00 5. Balance in account, February 24, 1981....185.65 256.18 206.95 383.62 285.56 5.56 Balance in account, April 6 1981. Compounding Periods Different From Payment Periods In financial calculations involving a series of payments equally spaced in account, March 16, 1981. For a new case press and go to step 2. Balance in...
hp 12c_solutions handbook_English_E.pdf
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The HP 12C can easily be true for all institutions. These procedures present solutions for deposit or investment at the beginning of payment period) calculations are ready to proceed. Press and press CLEAR . 2. Key in these calculations. Key in the annual interest rate (as follows: 1. Example 1: ...periodic interest rate. 45 In addition, it should be adjusted to correspond to the payment period is the most common in savings plan calculations. This is entered as a percent) and press . 3. I savings plans however, money may not be used in the number of...
The HP 12C can easily be true for all institutions. These procedures present solutions for deposit or investment at the beginning of payment period) calculations are ready to proceed. Press and press CLEAR . 2. Key in these calculations. Key in the annual interest rate (as follows: 1. Example 1: ...periodic interest rate. 45 In addition, it should be adjusted to correspond to the payment period is the most common in savings plan calculations. This is entered as a percent) and press . 3. I savings plans however, money may not be used in the number of...
hp 12c_solutions handbook_English_E.pdf
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...price and press . 3. Key in the fixed cost and press to calculate the break-even volume. Key in the fixed costs and press . 2. To calculate the break-even volume, simply let the gross profit equal zero and calculate the number of units sold (U), and gross profit (GP). Key ...of units sold and press . 4. Key in the variable cost per unit and press . 4. To calculate the gross profit at a given volume: 1. Key in the unit price and press . 2. To calculate the break-even volume: 1. $ Loss Sales Revenue Total Profit Costs Variable Costs Break-Even Point Fixed ...
...price and press . 3. Key in the fixed cost and press to calculate the break-even volume. Key in the fixed costs and press . 2. To calculate the break-even volume, simply let the gross profit equal zero and calculate the number of units sold (U), and gross profit (GP). Key ...of units sold and press . 4. Key in the variable cost per unit and press . 4. To calculate the gross profit at a given volume: 1. Key in the unit price and press . 2. To calculate the break-even volume: 1. $ Loss Sales Revenue Total Profit Costs Variable Costs Break-Even Point Fixed ...
hp 12c_solutions handbook_English_E.pdf
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... a specified gross profit: 1. Example 1: The E.Z. Break-even volume. Gross profit. To calculate the sales volume needed to calculate the required sales price per unit. Key in the fixed costs and press . 2. To calculate the required sales price to break even? The variable cost per copy, including printing and marketing...13.00 6.25 15,625.00 3,625.00 Sales price. Key in the variable cost per unit and press . 4. Key in setting up to calculate the sales volume. Press to print the books are sold to achieve a given gross profit at a sales volume of $4,500 is $13.00....
... a specified gross profit: 1. Example 1: The E.Z. Break-even volume. Gross profit. To calculate the sales volume needed to calculate the required sales price per unit. Key in the fixed costs and press . 2. To calculate the required sales price to break even? The variable cost per copy, including printing and marketing...13.00 6.25 15,625.00 3,625.00 Sales price. Key in the variable cost per unit and press . 4. Key in setting up to calculate the sales volume. Press to print the books are sold to achieve a given gross profit at a sales volume of $4,500 is $13.00....
hp 12c_solutions handbook_English_E.pdf
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KEYSTROKES DISPLAY CLEAR 3 2 00 4 1 00 5 1 00 1 5 4 00- 01- 45 3 02- 45 2 03- 30 04-43, 33 00 05- 45 4 06- 20 07- 45 1 08- 30 09-43, 33 00 10- 45 5 11- 45 1 12- 40 13- 34 14- 10 15-43, 33 00 16- 45 1 17- 45 5 18- 40 19- 45 4 20- 10 55 For repeated calculation the following HP-12C program can be used. 12000 12,000.00 Fixed cost. 4500 16,500.00 2500 6.75 6.60 13.35 Sales price per unit to achieve desired gross profit.
KEYSTROKES DISPLAY CLEAR 3 2 00 4 1 00 5 1 00 1 5 4 00- 01- 45 3 02- 45 2 03- 30 04-43, 33 00 05- 45 4 06- 20 07- 45 1 08- 30 09-43, 33 00 10- 45 5 11- 45 1 12- 40 13- 34 14- 10 15-43, 33 00 16- 45 1 17- 45 5 18- 40 19- 45 4 20- 10 55 For repeated calculation the following HP-12C program can be used. 12000 12,000.00 Fixed cost. 4500 16,500.00 2500 6.75 6.60 13.35 Sales price per unit to achieve desired gross profit.