Texas-instruments BA II PLUS Manuel d'utilisateur Page 42
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- MARQUE LIVRES
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38 Time-Value-of-Money and Amortization Worksheets
Example: Computing Payments and Generating an
Amortization Schedule
This example shows you how to use the TVM and Amortization
worksheets to calculate the monthly payments on a 30-year loan and
generate an amortization schedule for the first three years of the loan.
Computing Mortgage Payments
Calculate the monthly payment with a loan amount of $120,000 and
6.125% APR.
Answer: The computed monthly payment, or outflow, is $729.13.
Generating an Amortization Schedule
Generate an amortization schedule for the first three years of the loan. If
the first payment is in April, the first year has nine payment periods.
(Following years have 12 payment periods each.)
To Press Display
Set all variables to defaults. & } !
RST 0.00
Set payments per year to 12. & [ 12 !
P/Y=
12.00
Return to standard-calculator
mode.
& U
0.00
Enter number of payments
using payment multiplier.
30 & Z ,
N=
360.00
Enter interest rate.
6.125 -
I/Y=
6.13
Enter loan amount.
120000 .
PV=
120,000.00
Compute payment. % /
PMT=
-729.13
*
To Press Display
Select the Amortization worksheet. & \
P1= 0
Set beginning period to 1. 1 !
P1=
1.00
Set ending period to 9. # 9 !
P2=
9.00
Display 1st year amortization data. #
#
#
BAL=
PRN=
INT=
118,928.63
*
-1071.37*
-5,490.80*
Change beginning period to 10. #
10 !
P1=
10.00
Change ending period to 21. #
21 !
P2=
21.00
- BA II PLUS™ 1
- Calculator 1
- Important Information 2
- Interference 2
- Contents 3
- Turning On the Calculator 5
- Turning Off the Calculator 5
- Selecting 2nd Functions 6
- Reading the Display 6
- RAD is not displayed 7
- Setting Calculator Formats 8
- Choosing the Angle Units 9
- Using Dates 9
- Choosing Calculation Methods 9
- Resetting Default Values 9
- Resetting the Calculator 10
- Correcting Entry Errors 11
- Math Operations 12
- Universal Power ; 13
- Scientific Notation ; 15
- Memory Operations 16
- Calculations Using Constants 17
- Last Answer Feature 18
- 2 ; 2.00 19
- Types of Worksheet Variables 21
- Enter-Only Variables 21
- Compute-Only Variables 21
- Automatic-Compute Variables 22
- Selecting Worksheet Settings 22
- Display Indicators 23
- Worksheets 25
- Clearing the Unused Variable 27
- Updating P1 and P2 28
- Computing Monthly Payments 31
- Computing Quarterly Payments 31
- Computing Future Value 32
- Computing Present Value 32
- Agreement 33
- Perpetual ordinary annuity 34
- Cash Flows 35
- With Residual Value 37
- Down Payment 40
- Specified Future Amount 41
- Amortization Schedule 42
- Computing the Monthly Payment 43
- Balloon Payment 44
- Cash Flow Worksheet 45
- Uneven and Grouped Cash Flows 46
- Entering Cash Flows 47
- Deleting Cash Flows 47
- Inserting Cash Flows 48
- Computing Cash Flows 48
- Computing NPV 49
- Computing IRR 49
- solutions can exist 50
- Entering Cash-Flow Data 51
- Editing Cash-Flow Data 51
- Bond Worksheet 55
- Bond Worksheet Variables 56
- until ACT or 360 appears 57
- Bond Worksheet Terminology 58
- SDT value and press ! 59
- Interest 60
- Depreciation Worksheet 61
- 58 Depreciation Worksheet 62
- Entering Values for LIF 63
- Entering Values for M01 63
- Working with YR 63
- Entering Depreciation Data 64
- 62 Depreciation Worksheet 66
- Statistics Worksheet 67
- Entering Data Points 68
- Regression Models 69
- Entering Statistical Data 70
- Computing Statistical Results 71
- 68 Statistics Worksheet 72
- Other Worksheets 73
- Worksheet Variables 74
- Entering Values 74
- Computing Values 74
- Interest Conversion Worksheet 76
- Resetting Variables 77
- Converting Variables 77
- Converting Interest Rates 77
- Date Worksheet 78
- Entering Dates 79
- Computing Dates 79
- Profit Margin Worksheet 80
- Computing Profit Margin 81
- Breakeven Worksheet 82
- Computing Breakeven 83
- Memory Worksheet 84
- 82 Other Worksheets 86
- Formulas 87
- Amortization 89
- Cash Flow 89
- I/Y ÷ 100 90
- Depreciation 92
- Straight-line depreciation 93
- Statistics 94
- Regressions 95
- Interest Rate Conversions 95
- Percent Change 95
- Profit Margin 96
- Breakeven 96
- Days between Dates 96
- 30/360 day-count method 97
- Error Messages 98
- Accuracy Information 99
- ‡x, LN, e 100
- Battery Information 101
- In Case of Difficulty 102
- For general information 103
- For technical support 103
- THIS WARRANTY IS VOID IF THE 104
- All Other Customers 105
- Numerics 107
- 110 Index 114
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