Pnb Finacle 10 User Manual Pdf
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Financial Calculator
Model AT-10
Yr Int% L$ S/P$ D/M Yr F$ MXN RATE USD
OFF | ON | |||
FINANCIAL | ||||
$ | $ | $ | $ | |
SAVING | LOAN | |||
Tax Set | Margin | Sell | Cost | |
Tax | Tax | Cost | Cost | Sell |
Sell | Margin | Margin | ||
Currency Converter | ||||
Rate Set | ||||
Foreign
AT-10
Operation Manual
Getting Started
Note: Your Calculator is powered with a long-life, Lithium battery to assure uninterrupted service.
(See “Battery Replacement” below for change-out procedure.)
Power On and Off
[ON] Pressing this key and holding it
a second turns the calculator on. This key is also used to clear all calculations, which is accomplished with a tap.
[OFF] Turns the calculator off. The unit also has an auto power-off feature which turns the unit off after 5 minutes of non-use.
[CE] Tapping this key clears only the last entry without clearing the problem.
Battery Replacement
Calculating the Time Value
of Money
Savings calculations
No. of | Number of years | Save $ | Monthly installment |
Years | |||
% | Annual yield | Compute | Calculate |
Annual Yield | |||
/Year | Number of | Future $ | Future value |
Month | |||
compound | |||
periods a year |
How much money will I have if I save $150 a month at 4% for the next 10 years? Dantes inferno pc download torrent.
Save $150 | 150 | [Save $] |
a month | ||
For 10 years | 10 | [No. of Years] |
At 4% | 4 | [Annual Yield %] |
interest rate | ||
Making 12 | 12 | [Month/Year] |
payments | ||
a year | ||
Press-- | [Compute] [Future$] | $22’ 161.10 |
Your Financial Calculator is designed to be reliable and easy to use.
This manual will provide clear instructions for all product functions.
An Affordable, 12-Digit Multi-function Calculator with Built-in Software Components.
Features
Calculate the Time and Value of Money (Savings, Automobile and Mortgage Loans).
Interest Calculations
Business Profit analysis (cost, sell & margin)
Currency conversions
Tax Calculations Savings Calculations
Built-in 3-key Memory Functions
Auto Power-Off -- Turns Unit off After 5 Minutes Idle
Slip Cover -- Slips the Unit Out of the “Base”, Reverse it, and Slide it Back in the Base to Store.
Integrated Flip-Down Stand, for Easy Viewing Adjustment
1.Slide the unit out of its case and turn the unit over,face down.
2. Use a small head screwdriver to loosen two screws on battery compartment cover and remove the cover (see diagram).
3.Use a small head screwdriver to push up old battery.
(see diagram)
4. Replace the lithium battery (CR-2025), making sure the positive
(+) side is up.
5. Replace the cover and screws.
Note: The Lithium battery in this calculator should be replaced approximately every 2 years.
Loan calculations
Pnb Finacle 10 User Manual Pdf Book
No of | Number of years | Loan $ | Mortgage amount |
Years | |||
% | Interest rate | Compute | Calculate |
Interest Rate | |||
Month | Number of | Pay $ | Monthly payment |
/Year | |||
compound | |||
periods a year |
Calculating an automobile loan
You have your eye on a new car. The cost of the car is $22,000, and your down payment will be $5,000. You will be financing $17,000 at 8%. What will your payments be?
Automotive | $17,000 | [Loan $] |
Loan | ||
Number of | 5 | [No. of Years] |
years to pay Antares autotune evo vst 6.09 air free download. | ||
Interest Rate | 8% | [Interest Rate%] |
12 payments | 12 | [Month/Year] |
a year | ||
Press-- | [Compute] [Pay$] | $344.70 |
Pnb Finacle 10 User Manual Pdf Download
Loan Calculations
Pnb Finacle 10 User Manual Pdf Free
Calculating a mortgage
You are buying a $120,000 Town House.
Your down payment is 10% ($12,000), and you will be financing $108,000 at 8% for 30 years. What is your payment?
Home Loan of | $108,000 | [Loan $] |
Number of years | 30 | [No. of Years] |
to pay | ||
Interest Rate | 8% | [Interest Rate %] |
12 payments | 12 | [Month/Year] |
a year | ||
Press-- | [Compute] [Pay$] | $792.47 |
A word about mortgage payments (PITI)
A mortgage payment will include the mortgage payment principal and interest, in this case $792.47. It will also include the monthly real estate taxes and insurance payment (Divide the annual rate by 12 to get the monthly rate).
For Example:
Annual taxes at $2,400, and annual insurance at $600 = $200 monthly tax payment + a $50 monthly insurance payment. Adding these to the total payment of $792.47 give us a total monthly payment of $1,042.47 (This is called Principal + Interest + Taxes + Insurance or PITI.)
How to compute the mortgage payment you can afford
Industry guidelines indicate that a consumer should spend about 28% of his monthly income on housing. If your combined family monthly income is $6,000, you can afford a mortgage payment (PITI) of $1,680. (Other payments. like credit card and car payments, installment loans, etc., should not
exceed 36% of your gross family monthly income.)
Pnb Finacle 10 User Manual Pdf File
$6,000 | [X] | 28 | [%] | $1’680 |
How much loan can I get with a PITI of $1,680
Enter Payment | $1,680 | [Pay $] |
Number of years | 30 | [No. of Years] |
to pay | ||
Interest Rate | 8% | [Interest Rate%] |
12 payments | 12 | [Month/Year] |
a year | ||
Press-- | [Compute] [Loan $] | $228’956.27 |
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