2 REM ADJUSTABLE RATE AMORTIZATION SCHEDULE
10 DIM R(50),MP(50),BL(50),AD(50),M$(50),B$(50),DD(50)
15 FOR J=0TO50: AD(J)=0:NEXT:IA=0
25 GOSUB500:GOSUB510:GOSUB520:GOSUB530
30 PRINT:PRINT"WILL THERE BE ADDITIONAL PAYMENTS TO"
35 PRINT"REDUCE THE PRINCIPAL? (Y=YES; N=NO)";:INPUTA$
50 IFA$="Y"THENGOSUB570:GOTO70
60 IA=0
70 GOSUB300:GOSUB200
80 PRINTCHR$(147):PRINT"USE FUNCTION KEYS TO MODIFY INPUT DATA."
85 PRINT:PRINT"F1[146]...LOAN AMOUNT"
90 PRINT:PRINT"F2[146]...TERM OF LOAN"
95 PRINT:PRINT"F3[146]...NUMBER OF YEARS TO PROJECT"
100 PRINT:PRINT"F4[146]...INTEREST RATES"
105 PRINT:PRINT"F5[146]...ADDITIONAL PAYMENTS"
110 PRINT:PRINT"F6[146]...DISPLAY CURRENT INPUT DATA"
115 PRINT:PRINT"F7[146]...PRINT TABLE"
120 PRINT:PRINT"F8[146]...EXIT"
125 GET A$:IFA$=""THEN125
130 IF A$=CHR$(133)THENGOSUB500:GOTO80
135 IF A$=CHR$(137)THENGOSUB510:GOSUB530:GOTO80
140 IF A$=CHR$(134)THENGOSUB520:GOTO80
145 IF A$=CHR$(138)THENGOSUB530:GOTO80
150 IF A$=CHR$(135)THENGOSUB570:GOTO80
155 IF A$=CHR$(139)THENGOSUB700:GOTO80
160 IF A$=CHR$(136)THENGOSUB300:GOSUB200:GOTO80
165 IF A$=CHR$(140)THEN63000
170 PRINT:PRINT"INCORRECT KEY TYPED. TRY AGAIN":GOTO80
200 JJ=0:JT=10:IFIA>0 THENJT=5
201 C$=" MONTHLY":IFIA=2THENC$=" YEARLY"
202 NM=N:IFJ1>0THENNM=J1
205 FORJ=1TONM:IFJJ>0THEN232
210 PRINTCHR$(147);SPC(12)"ADJUSTABLE RATE"
215 PRINTSPC(9)"AMORTIZATION SCHEDULE"
220 PRINT:PRINTSPC(13)"LOAN AMOUNT: $";BL(0)
225 PRINT:PRINTSPC(13)"TERM:";NY;" YEARS"
230 PRINT:PRINT"YEAR   RATE     PAYMENT    BALANCE"
232 X=MP(J):GOSUB650:M$(J)=X$
233 X=BL(J):GOSUB650:B$(J)=X$
235 PRINTJ;TAB(6);R(J);TAB(15);"$";M$(J);TAB(26);"$";B$(J)
245 IFIA>0THENX=AD(J):GOSUB650:PRINTTAB(13);"+ $";X$;C$
250 JJ=JJ+1:IFJJ<JTTHEN265
255 JJ=0:GOSUB780
265 NEXT:IFJJ>0THENGOSUB780
269 PRINTCHR$(147):FORQ=1TO5:PRINT:NEXT
270 PRINT"TOTAL INTEREST PAID OVER THE PROJECTION"
275 PRINT"PERIOD OF";NM;" YEARS";
280 IFJ2>0THENPRINT" AND";J2;" MONTHS:";
283 X=TL:GOSUB650
285 PRINT:PRINTTAB(16)"$";X$
290 GOSUB780
295 RETURN
300 XB=BL(0):X=XB:TL=0:J1=0:J2=0:GOSUB800
302 FORJ=1TON
303 AD(J)=DD(J)
305 IR=R(J)/12:IF(IA=0 OR IA=2)THENX=BL(J-1)
307 GOSUB450:MP(J)=X
310 IFIA=1THEN350
315 IFIA=3THEN410
320 X=X*(1-V^(T-12))/IR:GOSUB650
330 BL(J)=X-AD(J)
335 IFBL(J)<=0THENJ1=J:J=N:BL(J)=0
340 TL=TL+12*MP(J)+BL(J)-BL(J-1)
345 GOTO395
350 FOR JJ=1TO12
355 X=XB*IR:GOSUB650
360 TL=TL+X:XB=XB-MP(J)+X-AD(J)
365 IFXB>0THEN390
370 J1=J:J2=JJ
375 XB=XB+AD(J)
380 X=XB*IR:GOSUB650
385 TL=TL+X:BL(J)=0:JJ=12:J=N
390 NEXTJJ
391 IFJ1=0THENBL(J)=XB:X=XB
395 NEXT
400 RETURN
410 IFMP(J)>AD(J)THENAD(J)=0:GOTO350
415 AD(J)=AD(J)-MP(J):GOTO350
450 V=1/(1+IR)
455 T=(NY-J+1)*12
460 X=X*IR/(1-V^T)
465 GOSUB650:RETURN
500 PRINTCHR$(147):PRINT:PRINT:INPUT"AMOUNT OF LOAN";BL(0):RETURN
510 PRINTCHR$(147):PRINT:PRINT:INPUT"TERM OF LOAN IN YEARS";NY
515 NN=12*NY:RETURN
520 PRINTCHR$(147):PRINT:PRINT:INPUT"NUMBER OF YEARS TO PROJECT";N:RETURN
530 PRINTCHR$(147):PRINT:PRINT"ENTER INTEREST RATES FOR EACH YEAR TO BE"
531 PRINTCHR$(145)"PROJECTED.  THE ENTRY OF A NEGATIVE"
532 PRINT"NUMBER WILL MAINTAIN THE LAST RATE FOR"
533 PRINT"THE REST OF THE PROJECTION."
535 IJ=0:FORJ=1TON
540 IFIJ>0THEN555
545 PRINT"YEAR";J;:INPUT R(J)
550 IFR(J)>0THEN560
555 R(J)=R(J-1):IJ=1
560 NEXT:RETURN
570 PRINTCHR$(147):PRINT:PRINT"ADDITIONAL PAYMENTS MAY BE MADE MONTHLY"
571 PRINT"OR YEARLY OR MAY BE CANCELED."
575 PRINT"F1[146]...ADDITIONAL MONTHLY PAYMENTS DURING"
576 PRINTSPC(5)"THE YEAR"
580 PRINT"F3[146]...ADDITIONAL YEARLY PAYMENTS"
583 PRINT"F5[146]...SET A TOTAL MONTHLY PAYMENT"
584 PRINT"F7[146]...NO ADDITIONAL PAYMENTS"
585 GETA$:IFA$=""THEN585
590 IFA$=CHR$(133)THENIA=1:GOTO600
591 IFA$=CHR$(134)THENIA=2:GOTO600
592 IFA$=CHR$(136)THENIA=0:GOTO640
595 IA=3:PRINT:PRINT"ENTER THE TOTAL DESIRED MONTHLY PAYMENT."
596 PRINTCHR$(145)"IF AMOUNT IS LESS THAN THE AMOUNT NEEDED"
597 PRINTCHR$(145)"TO AMORTIZE, THE LARGER AMOUNT WILL BE"
598 PRINT"USED.":GOTO601
600 PRINT:PRINT:PRINT"ENTER ADDITIONAL AMOUNTS TO BE PAID."
601 PRINT"THE ENTRY OF A NEGATIVE NUMBER WILL"
602 PRINT"MAINTAIN THE LAST AMOUNT FOR THE REST OF"
603 PRINTCHR$(145)"THE PROJECTION"
610 IJ=0:FORJ=1TON
615 IFIJ>0THEN630
620 PRINT"YEAR";J;:INPUT AD(J)
625 IFAD(J)>=0THEN635
630 IJ=1:AD(J)=AD(J-1)
635 DD(J)=AD(J):NEXT:RETURN
640 FOR J=1TON:AD(J)=0:NEXT:RETURN
650 XH=INT(X):XL=100*X-100*XH
655 IFXL>=99.5THENXL=O:XH=XH+1:GOTO665
660 IF XL-INT(XL)>=.5THENXL=XL+1
665 XL$=STR$(INT(XL)):LL=LEN(XL$)-1:XL$=RIGHT$(XL$,LL)
670 XH$=STR$(XH)
675 IFXL=0THENXL$="00":GOTO685
680 IFXL<10THENXL$="0"+XL$
685 X$=XH$+"."+XL$
690 X=VAL(X$)
695 RETURN
700 PRINTCHR$(147);TAB(91)"CURRENT INPUT DATA"
705 PRINT:PRINT"LOAN AMOUNT: $";BL(0)
710 PRINT:PRINT"TERM: ";NY;" YEARS"
715 PRINT:PRINT"PROJECTED FOR";N;" YEARS"
717 GOSUB780
720 PRINTCHR$(147):PRINT:PRINT:PRINT"INTEREST RATES:"
725 FOR J=1TON:PRINTR(J),
730 IFJ=4*INT(J/4)THEN PRINT
735 NEXT
737 GOSUB780
740 IFIA=0THENPRINT"NO PREPAYMENTS":GOSUB780
741 IFIA=0THENFORJ=1TON:AD(J)=0:DD(J)=0:NEXT:RETURN
745 IFIA=1THENPRINTCHR$(147):PRINT:PRINT
747 IFIA=1THENPRINT"ADDITIONAL MONTHLY PAYMENTS":GOTO755
750 IFIA=2THENPRINTCHR$(147):PRINT:PRINT
752 IFIA=2THENPRINT"ADDITIONAL YEARLY PAYMENTS":GOTO755
753 IFIA=3THENPRINTCHR$(147):PRINT:PRINT:PRINT"TOTAL MONTHLY PAYMENTS"
755 FORJ=1TON
757 PRINTDD(J),
760 IFJ=4*INT(J/4)THEN PRINT
765 NEXT:GOSUB785:RETURN
780 PRINT:PRINT"HIT ANY KEY TO CONTINUE."
785 GETA$:IFA$=""THEN785
790 RETURN
800 PRINTCHR$(147);TAB(206)"CALCULATIONS BEING PERFORMED"
805 RETURN
63000 REM    CONNECT BACK TO L.S.
63002 PRINT"[147]LOAD"CHR$(34)"PAYLOAD"CHR$(34)",8":PRINT"RUN"
63004 POKE198,0:POKE631,13:POKE632,13:POKE198,2:END