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README
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1990-12-25
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PCLOAN5
PROFESSIONAL LOAN AMORTIZATION SYSTEM
Version 5.05 06-10-90
The file PCLOAN5.ZIP contains all the files needed by the PCLOAN5
loan amortization system. These files are all stored in a condensed format
in the file PCLOAN5.ZIP and must be removed before the system can be used.
PCLOAN5 requires 512k memory and one or two floppy drives. A hard
disk is recommended.
PCLOAN5 cannot be installed on a system with only one 362k floppy
disk (single disk system) . After it has been installed, it will run on
one 362k floppy.
The files cannot be removed on this disk. They must be extracted and
placed on another disk. The destination disk may be either an other
floppy disk in drive B: or a hard disk.
The menu system on this disk will do the task for you. It is
completely automatic. Simply place this disk in drive A:, log onto drive
A: and type (at the A> prompt), MENU<return>
The menu presents options to install the software on disk B: or disk
C:. The installation does not create a subdirectory. If you want the
system in a subdirectory, you must create it by using the DOS command
MD. After creating a subdirectory, log on to it using the DOS CD
command. The PCLOAN5 system will be installed into the current directory
on the destination disk, either B:, or C:.
FLOPPY DISK SYSTEMS
The software completely fills a 5 1/4 inch 362K floppy disk leaving
no room for data files. If the menu option to install to disk B: is
used, the system created will expect the program disk to be in drive A:
and the data disk to be in drive B: Be sure there is a blank formatted
disk in drive B: before attempting to create a schedule.
If your floppy disks hold as much as 720K, you may place both the
programs and the data files on the same disk by using the hard disk
installation option. To trick your computer into thinking a floppy disk
is a hard disk, type the command "ASSIGN B=C", with out the quotes,
BEFORE starting the installation, then select the option to install the
system to the hard disk.
If your computer does not have the ASSIGN command, look on your
original DOS diskettes, it is a standard DOS command that is frequently
left out by consultants and retailers when setting up new machines.
Once the system is up and running, the option menu will allow you to
define any configuration you like. You can place the program in any
directory of any disk and the data in any directory of any disk. See the
manual for details.
The signon messages can each be bypassed by pressing the return
key. The message asking if you want to order the registered version may
be bypassed by answering "N". Of course, the registered version does not
print these messages, nor does it print the reminders on the schedules.
Catalog descriptions:
1) Very Brief.
Professional loan amortization system. "Best" by COMPUTERS IN ACCOUNTING
magazine.
2) Brief.
A professional, full featured loan amortization system with a loan and
date calculator. Will amortize any loan with a basic regular payment
schedule. Irregular and skipped payments are allowed. Change rate,
payment, or basis at any date. Interest only, principal only, balloon,
and canadian semi annual payments are supported. "PCLOAN is the best
example of the hundreds of financial programs." COMPUTERS IN ACCOUNTING
magazine.
3) Complete.
A serious, professional, loan amortization system. Will amortize any
loan or mortgage. Store complete schedule on disk. Recall and modify it
at any time. Add or delete payments at any date. Change rate, interest
basis, or payment amount at any date. Compute interest to actual date
paid. Amortize origination fees by FASBY91. Add secondary schedules for
mortgage reduction strategies. Eg. supports monthly and quarterly schedule on
same mortgage. Loan and date calculator calculates REG Z Apr including
points and balloon payment. View schedules on screen or print. Printed
schedules with monthly detail or annual summary totals. Prints annual or
fiscal year interest and principal paid. Seven lines of custom text on
report header for professionals to deliver their message. Computers in
Accounting magazains said of a prior version, "PCLOAN is the best
example of the hundreds of financial programs.
Features of amortization programs downloaded from Compuserve:
* = Yes ; N = No ; 2 = two (etc)
PC PC Loan Home Mort Pro
Features checklist. LOAN5LOAN4Mgr Loan Comp Loan
Popular amortization programs. 5.02 4.17 2.0 1.06 1.02 2.1
Loan Terms Available:
Maximum number of payments 9999 999 999 480 999 1200
Fractional year loan term allowed * * * N * *
Variable rate * * N N N 1
Change rate between dates * N N N N N
Odd days first payment * * N N * N
Odd days any payment * N N N N N
Skip any payment * * N N N N
Origination fees (points) * N N N N N
Capitalizable costs * N N N N N
Payment types allowed on schedules:
Balloon payment at maturity * * N N N *
Balloon payments before maturity * N N N * 1
Interest only balloon payments * N N N N N
Principal only balloon payments * N N N N 1
Interest only at beginning payments * * N N N N
Interest only any payment * * N N * N
Principal & interest payments * * N * * *
Level principal payment + interest * * N N * N
Canadian Semi annual compounding * N N N N *
Change payment type at any payment * N N N N N
Level payment at beginning of pmt period * N N N N N
Principal only on any payment * N N N N N
Graduated (variable) payment amount * * N N N 1
Simple, regular prepayment * N * N * *
Multiple repayment schedules same loan * N N N * N
Multiple payment frequencies same loan * N N N N N
Negative amortization * * N N N N
Use any payment amount entered * * N N * N
Equity accumulation report N N N N N N
Inflation rate on equity report N N N N N N
Prepayment comparison report N N N N * *
Prepayment amortization schedule * N * N * *
Loan cost comparison schedule (No. loans) N N N N 5 2
Rule of 78ths rebate schedule N * N N N
Rule of 78ths amortization schedule N * N N N
Payments per year - 1 * * N N * *
Payments per year - 2 * * N N * *
Payments per year - 3 * * N N * N
Payments per year - 4 * * N N * *
Payments per year - 6 * * N N * N
Payments per year - 12 * * * * * *
Payments per year - 13 * * N N N N
Payments per year - 24 N * N N N N
Payments per year - 26 * * N N * *
Payments per year - 48 N * N N N N
Payments per year - 52 * * N N * *
Payments per year - 365 N N N N N *
Computed and reported on screen:
Balloon payment amount * * * N N *
Equity N N * N N N
Prepayment analysis summary N N * N N *
Loan cost comparison summary (No. loans) N N 2 N N 2
Payment comparison matrix rate vs principalN N N N N N
Interest basis:
360/360 * * * * * *
360/365 * * N N * N
365/365 * * N N * N
Rule of 78ths N * N N N N
Change basis at any payment * N N N N N
Change basis between payments * N N N N N
Creative financing:
Add a payment after schedule is complete * N N N * 1
Delete a payment from completed schedule * N N N * N
Modify a payment in a complete schedule * N N N * N
Modify interest rate in completed schedule * N N N N N
Change interest basis in completed schedule* N N N N N
Change interest rate in completed schedule * N N N N N
Data storage:
Store loan terms on disk * N * N * *
Modify existing terms * * * N N *
Store entire schedule on disk * N N N * N
Modify any payment of existing schedule * N N N * *
Recalculate modified schedule * N * N * *
Reprint modified schedule * N * N * *
Remember default data directory * N N N N N
Remember preparer's name and address * N N N * N
Remember preparer's two line custom header * 1 N N * N
Remember mortgagee's name and address N N N N N N
Remember schedule style * * N N N N
Print options:
Print complete schedule * * * N * *
Print partial schedule * * N * N N
Start at any payment, end at any payment * * N N N N
Print year end totals only summary * N N N * N
Eject a page from keyboard * N N N N N
Space up one line from keyboard * N N N N N
Print schedule to disk file N * N N N *
Viewing on screen:
View actual schedule, page forward * * * * N *
View actual Schedule page backward * * N N N *
Start with any date * N N N N N
Start with any payment number * N N * N *
Edit any payment, dbase browse * N N N * N
Edit any payment full screen * N N N N N
Rule of 78ths rebate calculator N * N N N N
Data on Schedule Header:
Loan amount * * * * N *
Number of payments * * * * N *
Balloon at payment number ? * N N N N *
Regular payment amount * N * * N *
Balloon payment amount * N N N N *
Number payments interest only * N N N N N
Total of all payments * N * N N N
Total finance charge * N N N N *
Origination fee * N N N N N
Date of note * * N N N N
Date first payment * * N N * *
Payments per year * * N N N *
Payment type * N N N N N
Interest basis * N N N N N
Accrual rate * * * * N *
Month fiscal year end * N N N N N
Set any fiscal year end date (mid month) * * N N N N
Variable rate * * N N N *
Custom report header lines 2 1 N N 2 N
Consultant name and address lines 5 N N 6 5 N
Mortgagee name and address lines 5 N N N 5 N
Data in Schedule Body:
Space for date paid on printed schedule * * N N N N
Page breaks * * N N * *
Date fiscal year end * * N N N N
Interest paid calendar year * * * * * N
Interest paid fiscal year * * N * N N
Principal paid calenday year * * * N * N
Principal paid Fiscal year * * N N N N
Cumulative interest life of loan * * * N N N
Interest paid each payment date * * * * * *
Principal paid each payment date * * * * * *
Total payment each payment date * * * N * *
Remaining balance each payment date * * * * * *
Payment number * * * * * *
Date payment is due * * N N * *
Date payment actually paid * * N N N N
Fasby 91 income * * N N N N
Fasby 91 fee amortization * * N N N N
Fasby 91net recorded value * * N N N N
Other features:
Maintain schedule on disk and enter
actual payment dates as payments are
received. Then recalculate interest
and principal using actual dates. * N N N N N
Delete a schedule from disk * N * N N N
Duplicate an existing schedule * N N N N *
Rename an existing schedule * N N N * N
Fasby 91 amortization of fees * * N N N N
Loan calculator * * N N N N
Regulation Z APR calculator * N N N N N
Compute APR with points * * N N N N
Date calculator * N N N N N
Four function calculator N N * N N N
Organize data files in subdirectories * N N N N N
Maintain default subdirectory. * N N N N N
Change to any other subdirectory * N N N N N
Select schedules from on screen menu * N N N N N
Pulldown light bar menus * N * N N N
Popup light bar menus * N * * * N
Context sensitive popup help with options * N * * * *
Context sensitive popup help, data entry * N N * * *
PCLOAN5,
PCLOAN4, Loan Manager, a product of:
Mortgage Comparison, 125 Warfieldsburg Road
Are products of: Westminister, MD 21014
Bottom Line Software
P.O. Box 1804 ProLoan, A product of
Burleson, Texas 76028-1804 SG Software
817-448-5524 66 Roywood Road
Dan Mills, Ontario
Canada M3A 2C6
Home Loan, a product of:
Home Craft Computere Products
Box 974
Tulatin, OR 97062
503-692-3732