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Section 14: Leasing 157
File name: hp 12c_user's guide_English_HDPMBF12E44 Page: 157 of 209
Printered Date: 2005/7/29 Dimension: 14.8 cm x 21 cm
REGISTERS
n: Used. i: Interest PV: Used PMT: –1.
FV: Residual
R
0
: # Pmts (n) R
1
: Interest. R
2
: Loan.
R
3
: Residual R
4
: # Adv. Pmt. R
5
: Used R
6
–R
.6
: Unused
1. Key in the program.
2. Key in the total number of payments then press ?0.
3. Key in or calculate the periodic interest rate then press ?1.
4. Key in the loan amount then press ?2.
5. Key in the residual value then press ?3.
6. Key in the total number of payments made in advance then press ?4.
Then press t to obtain the payment amount received by the lessor.
7. For a new case, return to step 2. The values changed from the previous case
are the only values which need to be re-entered.
Example 1:
A copier worth $22,000 is to be leased for 48 months. The lessee
has agreed to make 4 payments in advance, with a purchase option at the end of
48 months enabling him to buy the copier for 30% of the purchase price. What
monthly payment is necessary to yield the lessor 15% annually:
Keystrokes Display
48?0
15\
12z?1
1.25
Monthly interest rate.
22000?2
30b?3
4?4t
487.29
Monthly payment received by lessor.
157


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