HP 35s User Manual

 
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HP 35s Property Appreciation 
 
hp calculators - 3 - HP 35s Property Appreciation - Version 1.0 
5) After you press : for the last time, the value of the unknown variable will be calculated and displayed. 
6) To do another calculation with the same or changed values, go back to step 2 above. 
 
The SOLVE feature will work effectively without any initial guesses being supplied for the unknown variable with the 
exception noted above about the variable I in this equation. This equation...

 
hp calculators 
 
HP 35s Property Appreciation 
 
hp calculators - 4 - HP 35s Property Appreciation - Version 1.0 
 Figure 4 
 
-In either RPN or algebraic mode, press: %&&&&&.: (Enters F) 
   ?%&&&&:-(Enters B)  
 Figure 6 
 
Answer: When multiplied by 12 to convert to the annual appreciation rate, the answer is 5.108% 
 
Example 3: Howard bought some land 8 years ago for $800,000. He has an offer to sell it today for $1,400,000.  
 What is the annual appreciation rate reflected by this offer?...

 
hp calculators 
 
HP 35s Property Appreciation 
 
hp calculators - 5 - HP 35s Property Appreciation - Version 1.0 
 
 The HP 35s SOLVER displays the first variable encountered in the equation as it begins its solution.  
 These displays are not shown in the rest of this example. Follow the keystrokes shown below and the  
 solution should be found as described. 
 
 In either RPN or algebraic mode, press: &:    (Enters P) 
---;:    (Enters N) 
---%>&&&&&.: (Enters F) 
   ;&&&&&:-(Enters B)  
 Figure 7...

 
 
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HP 35s House payment qualification 
 
 
 
 
House payment qualification 
 
The Time Value of Money on the HP 35s 
 
Practice solving house payment qualification problems 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   

 
hp calculators 
 
HP 35s House payment qualification 
 
hp calculators - 2 - HP 35s House payment qualification - Version 1.0 
House payment qualification 
 
The payment required to pay off a house over time involves the solution of an ordinary annuity with the value of the 
payment as the unknown variable. When applying for a house loan, the lender takes the applicant’s overall debt burden 
into account. A general guideline applied is that the total debt-to-income ratio should be below 34% and that...

 
hp calculators 
 
HP 35s House payment qualification 
 
hp calculators - 3 - HP 35s House payment qualification - Version 1.0 
continue. If the value is to be changed, enter the changed value and press :. If a variable had a value in a 
previous calculation but is not involved in this calculation (as might happen to the variable P (payment) when solving 
a compound interest problem right after solving an annuity problem), enter a zero for the value and press :. 
5) After you press : for the last time,...

 
hp calculators 
 
HP 35s House payment qualification 
 
hp calculators - 4 - HP 35s House payment qualification - Version 1.0 
-
 Figure 2 
 
-In RPN mode, press: @&2%

 
hp calculators 
 
HP 35s House payment qualification 
 
hp calculators - 5 - HP 35s House payment qualification - Version 1.0 
-In RPN mode, press: %%?;=&>2

 
hp calculators 
 
HP 35s House payment qualification 
 
hp calculators - 6 - HP 35s House payment qualification - Version 1.0 
 
-In RPN mode, press: %B&&2%%;&(%