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Resumen del manual
i I . (PMT sign) b : PRNPM1 = PMT + BALPM1–1 . i c : BALPM2 = BALPM2–1 + PRNPM2 PM2 d : . PRN = PRNPM1 + PRNPM1+1 + … + PRNPM2 PM1 PM2 e : . INT = INTPM1 + INTPM1+1 + … + INTPM2 PM1 BAL0 = PV (INT1 = 0 and PRN1 = PMT at beginning of installment term) u uuuuuConverting between the nominal interest rate and effective interest rate The nominal interest rate (I% value input by user) is converted to an effective interest rate (I%') for installment loans where the number of installments per year is different from the number of compound interest calculation periods. [C / Y ] I% [P / Y ] I%' = (1+ ) –1 .100 { } 100 . [C / Y ] 14 14 The following calculation is performed after conversion from the nominal interest rate to the effective interest rate, and the result is used for all subsequent calculations. i = I%'.100 Press 4(AMT) from the Financial 1 screen to display the following input screen for interest rate conversion. • 4(AMT) PM1 ............................. first installment of installments 1 through n PM2 ............................. second installment of installments 1 through n n .................................. installments I% ............................... interest rate PV ............................... principal PMT ............................ payment for each installment FV ............................... balance following final installment P/Y .............................. installments per year C/Y .............................. compoundings per year After configuring the parameters, press one of the function keys noted below to perform the corresponding calculation. • 1(BAL) ........ Balance of principal after installment PM2 • 2(INT) ......... Interest portion of installment PM1 • 3(PRN) ....... Principal portion of installment PM1 • 4(. INT) ...... Total interest paid from installment PM1 to installment PM2 • 5(. PRN) .... Total principal paid from installment PM1 to installment PM2 • 6(CMPD) .... Compound interest screen 15 15 •An error (Ma ERROR) occurs if parameters are not configured correctly. Use the following function keys to maneuver between calculation result screens. • 1(REPT) ..... Parameter input screen • 4(CMPD) .... Compound interest screen • 6(GRPH) ..... Draws graph After drawing a graph, you can press 1(TRACE) to turn on trace and read calculation results along the graph. The first press of 1 (TRACE) displays INT and PRN when n = 1. Each press of e shows INT and PRN when n = 2, n = 3, and so on. Press i to turn off trace. Press i again to return to the parameter input screen. 16 16 6. Interest Rate Conversion The procedures in this section described how to convert between the annual percentage rate and effective interest rate. u uuuuu Formula EFF = APR = n APR/1001+ –1 . 100 n 100 EFF1+ –1 . n .100 1 n APR EFF n : annual percentage rate (%) : effective interest rate (%) : number of compoundings Press 5(CNVT) in the Financial 1 screen to display the following input screen for interest rate conversion. • 5(CNVT) n ....................................... number of compoundings I% ............................... interest rate After configuring the parameters, press one of the function keys noted below to perform the corresponding calculation. • 1('EFF) ... Converts annual percent rate to effective interest rate • 2('APR) ... Converts effective interest rate to annual percent rate •An error (Ma ERROR) occurs if parameters are not configured correctly. Use the following function key to maneuver between calculation result screens. • 1(REPT) ... Parameter input screen 17 17 7. Cost, Selling Price, Margin Cost, selling price, or margin can be calculated by inputting the other two values. u uuuuuFormula MRGCST = SEL 1– SEL CST1– CST : cost SEL : selling price 100 CST SEL = MRG : margin MRG 1– 100 MRG(%) = .100 Press 1(COST) from the Financial 2 screen to display the following input screen. • 6(g)1(COST) Cst ............................... cost Sel ............................... selling price Mrg .............................. margin After configuring the parameters, press one of the function keys noted below to perform the corresponding calculation. • 1(COST) ... Cost • 2(SEL) ...... Selling price • 3(MRG) ..... Margin •An error (Ma ERROR) occurs if parameters are not configured correctly. Use the following function key to maneuver between calculation result screens. • 1(REPT) ... Parameter input screen 18 18 8. Day/Date Calculations You can calculate the number of days between two dates, or you can determine what date comes a specific number of days before or after another date. Press 2(DAYS) from the Financial 2 screen to display the following input screen for day/date calculation. • 6(g)2(DAYS) d1 ................................ date 1 d2 ................................ date 2 D ................................. number of days • The set up screen can be used to specify either a 365-day or 360-day year for financial calculations. Day/date calculations are also performed in accor...