Casio Financial Consultant FC-100V 매뉴얼 - 페이지 7

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Casio Financial Consultant FC-100V에 대해서도 마찬가지입니다: 제품 카탈로그 (16 페이지), 매뉴얼 (12 페이지)

페이지 인쇄

Doing Amortization with AMRT

The AMRT mode of 100V/200V allows user to perform amortization, which shares

many parameters/variables with the CMPD mode. In examples that follow we shall

be able to see the advantage of such 'sharing'. Note that some amortization

problems are actually simple annuity problems which we can solve using the CMPD

mode (refer to Example 5 of Compound Interest with CMPD).

This first example finds the outstanding balance of a loan after certain numbers of

payment are made.

Example 1 ►>>

over 2 years at

Check page E-55 of the user guide for definitions of PM1, PM2, BAL, INT, PRN,

this example, n = 2x12 = 24, I% = 7, PV = -5,000, P/Y = = C/Y = 12. Other parameters = 0.

Operation

As we need to know the monthly payment of the loan, so we begin at CMPD mode.

When monthly payment is found we proceed to AMRT mode for other calculations.

Enter CMPD mode, make sure calculator displays [Set:End]. Scroll down, enter

24 for [n], 7 for [ I% ], (-)5000 for [PV], 0 for [FV], 12 for [P/Y] and [C/Y].

CMPD

EXE

Now scroll up to select [PMT] and solve it.

So the monthly payment for the loan is about $223.86. Now find the outstanding

principal.

Enter AMRT mode, scroll down to enter 1 for [PM1] and 8 for [PM2].

AMRT

Scroll down further to select [BAL:Solve] and solve it.

• • •

Therefore the outstanding balance after 8 payments is approximately $3410.26. █

QED Education Scientific

A loan of $5,000 is to be amortized with equal monthly payment

. Find the outstanding principal (balance) after 8 months.

EXE

SOLVE

EXE

SOLVE

(─)

EXE

Output: PMT = 223.8628955

EXE

Output: BAL = -3410.256063

INT and

PRN. For

∑

EXE