Home Finance Professional|財經線上App不用買-HotApp4Game

Home Finance Professional is the comprehensive home finance application.Pretty graphs and charts.E-mail amortization summary and schedule as pdf attachment as well as print them as table with header, footer, page number.Key Features:1. Affordability2. Amortization3. APR4. Balloon Payment5. Comparison6. Cost7. Duration8. Qualification9. What-if Analysis10. Amortization input data is saved11. Pie chart of interest vs. principle is displayed12. Area graph of cumulative balances is displayed13. Bar graph of monthly loan payment is displayed14. Bar graph comparing total interest and total payment is presentedDetail:1. Affordability - How big property can the consumer afford based on income and debt obligations?a. InputAnnual incomeMonthly required debt paymentCash available for down paymentProperty Tax rate as %Home insurance as %Interest rate %Loan term in yearsPITI Debt Ratio - principle + interest + property tax + insuranceTotal Debt Ratio - PITI + Monthly debt paymentb. SummaryProperty value/loan amountPMI2. Amortization - Amortizes mortgage loanInput:Purchase PRiceDown payment as % or actual $ amountClosing CostAnnual Home insuranceAnnual Home Owner Association FeeAnnual property taxLoan term in number of yearsInterest rate %Payments/year - by default 12/yearOptional extra payment - to pay down principleSummary-Monthly paymentTotal interest paidTotal paymentsReduction in payment termAmount paid in early paymentsTotal savingsDetail:Beginning balance, principle paid, interest paid, cumulative principle paid, cumulative interest paid and ending principle balance per period group by year3. APR - Calculates APR from loan amount, loan term (years), stated interest rate % and closing cost4. Balloon Payment - If loan were to be paid early, balloon payment calculates remaining principle to be paid5. Comparison - Supply one or more mortgage loan data and this app will provide summary for each loan like amortization6. Cost - Closing cost of the loan calculated from loan amount, loan term, stated interest rate and APR7. Duration - Calculates the loan duration if additional payment is made every period or if payment is made more frequently8. Qualification - How much of loan is required to purchase a property of give value9. What-if Analysis - Calculates one of the 4 variable - principle, term, interest and payment when 3 variables are supplied