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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:.
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-
- 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 *
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-
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- 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
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- 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
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-
- 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
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-
- 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 * * *
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-
-
- 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
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