ࡱ>   !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~Root EntryF㼯@NativeContent_MAIN&iSummaryInformation(0V^$fZ10& 96@_PrintActivePage,@Retval4@ActivePagename2@ PreviousCell5@SelectedVersion4@CurrentVersion0@ NameExists4@_DeleteVersion1@ _AddVersiono0@ _SortGroup3@ ConfirmPrompt4@ConfirmBtnText 4@_ShowRecallDlgR4@OKConfirmMacro5@_ShowConfirmDlgj5@_ShowStoreAsDlg]:@_StoreCurrentPointer27@_GotoPreviousCell43@ SortDirection3@ DeletePressed5@_ReplaceVersion4@_RecallVersion6@_ToggleHighlight68@ LinkedHelp1@ IsHighlight-@Retval2/@ _ShowTips&1@ IsValidName9@ VersionListST3@ _RecallSample2@ _RecallEmpty3@ _NBSTARTMACRO-@Context4@IsValidContext0@ IsQuickBar8@ ZoomRegion :@_SetVersionIndicatorL.@ListName2@ __TWTEMPLATEGQPW9s nrommelkwurth Arial HelveticaSystem WingdingsTimes New RomanLucida Sans Typewriter Lucida Bright Courier NewArial MTRE> >> > 4 >( > ( > > AA>>> @>@ >@ >444>@@ > >> 4 @ 4> 4 >@> @@ @5v>? ? A >> >?A 6@@@@> > >>@>@>@@ @ TMonth' 'D', 'YYYYD ,  Y@*) NormalCommaCurrencyPercentFixedDate Heading 1 Heading 2 Total Comma0 Currency0 `Code iP?bPP"P"PgPPPP`PPPPP9P0P (P PP?PPPPP PPPPPPPPP"P"P"PPPPPPPPPPPP P?P'PP0 P0PPPP'PPP^P^P^*P^ P^0P#P^?#P^0# P^0#P^# P^0#P^# P^0#P^#P^#P^?#P^#P^0#P^0#P^0#P^0#P^#P^0P^P^P^P^P^P ^P ^P P P PPP PP(P^ P^P^P^P^P^"P^P^P^ QFINANCE AMPMT AMPRN UTILITYS  PAGENAMEHfG@Bv6x>F N2@ NameToVerify1@ RedrawState0@ _SetRedraw@7@InitRedrawSetting@HighlightRegion60  >@Sales Order!TipsC@Sales Order!PrintArea+F@Mortgage Calc!PrintBlock (@@Mortgage Calc!TipsE@Mortgage Calc!PrintArea (/@ QTVersion5@_RetryPrintPage9@_CreateNamedSetting"9@_StoreRedrawSettingC2@ ConfirmBtnNo;@_RestoreRedrawSettingE3@ ConfirmBtnYes  0@ YesPressed  .+AMortgage Payment Worksheet!Monthly Non-Housing Debt Payments Credit Cards Car PaymentOther Loan PaymentsMonthly Non-Housing DebtDebt-to-Income CalculationsCurrent Debt-to-IncomeTotal % Allowed Available % for Payment *Maximum PaymentPrice of House You Can AffordCash AvailableClosing Costs, EstimatedRequired Cash ReserveRemaining Cash for DownMaximum Price of Houset* Most banks use the following guidelines to determine the amount of a loan you qualify for: Your total monthly debtoexpenses, including a mortgage payment, should not exceed 36% of your total monthly income. As well, your totalpmortgage payment should not exceed 28% of your income. This means if you have no other debt, you can spend up tor28% of 'your income on a mortgage payment. If your non-housing debt is more than 8% of your income, the percentageXof your monthly income you can spend on housing debt is 36% minus your non-housing debt._There are a number of other factors that can influence the bank's decision to grant you a loan:w The loan-to-value percentage. Lower is better. The larger your down payment, the lower the loan-to-value percentage.O How much cash you have left after paying the down payment and closing costs.I How much money you've been spending on rent or on a previous mortgage.l How much more money than average you make. Lenders assume that if you make a lot more money than average,W you will be able to afford a higher percentage of your income on a mortgage payment.Monthly IncomeSalaries before TaxesInterest or Dividends Other IncomeTotal Monthly IncomeMortgage You Can AffordTerm of Loan (Years)Annual Interest Rate %Payment Maximum LoanMortgage You Want Loan Amount Short/OverQuickTemplate Macros Block Name Startup macro _NBSTARTMACRO Printing _PrintActivePage _RetryPrintPage _CreateNamedSetting Tips _ShowTips Utilities _StoreCurrentPointer _GotoPreviousCell _ToggleHighlight _SetRedraw _StoreRedrawSetting_RestoreRedrawSetting __TWTEMPLATE _SetVersionIndicator Version management _ShowRecallDlg _ShowStoreAsDlg _ShowConfirmDlg _AddVersion _ReplaceVersion _RecallVersion _DeleteVersion _RecallEmpty _RecallSample _SortGroup VariablesActivePagename ConfirmBtnNo ConfirmPromptCurrentVersion DeletePressed IsHighlightInitRedrawSetting NameExistsOKConfirmMacro PreviousCellRetvalRetval2SelectedVersion SortDirection NameToVerify IsValidNameIsValidContextContext IsQuickBarListName RedrawState QTVersionMacro {WindowsOff} {WindowMaximize} {SelectBlock ZoomRegion} {Navigate.Zoom2Fit} {Home}3 {IF #NOT#IsQuickBar}{Toolbar.Append "TEMPLATE.BAR"}! {Scenario.UseGroup TemplateGroup} {Scenario.Highlight 0} {_SetVersionIndicator}{Recalc ActivePagename}{Print.Use +ActivePageName},{Print.Block +ActivePagename & "!PrintArea"} {OnError _CreateNamedSetting}{_StoreRedrawSetting} {_SetRedraw None}- {Let Context; +ActivePageName & "!PrintArea"} {Calc}; {IF #NOT#IsValidContext}{Beep}{_RestoreRedrawSetting}{Quit} {Let Retval; +IsHighlight}" {IF IsHighlight}{_ToggleHighlight} {Print.Use +ActivePagename}, {Print.Block +ActivePageName & "!PrintArea"} {Print.DoPrint} {IF Retval}{_ToggleHighlight}{_RestoreRedrawSetting} {Print.Create +ActivePagename} {Branch _RetryPrintPage}{RefreshScreenOff}( {Let Context; +ActivePagename & "!Tips"}/ {IF #NOT#IsValidContext}{RefreshScreenOn}{Quit}K {BlockCopy +ActivePagename & "!Tips"; LinkedHelp;Yes;Yes;;No;No;No;Yes;Yes} {DoDialog Tips; Retval}{RefreshScreenOn}2 {Let PreviousCell; +@CellPointer("ThreeDAddress")} {SelectBlock +PreviousCell} {_SetRedraw Window} {_StoreCurrentPointer} {SelectBlock HighlightRegion}D {SetProperty Shading; +@IF(IsHighlight; "0;0;Blend1"; "9;0;Blend6")}{_GotoPreviousCell}$ {Let IsHighlight; #NOT#!IsHighlight} {DEFINE RedrawState:V}A {SetObjectProperty "Application.Macro.Macro_Redraw"; RedrawState}D {Let InitRedrawSetting; @Property("Application.Macro.Macro_Redraw")}{_SetRedraw +InitRedrawSetting} {DEFINE NameToVerify}& {IF IsValidName}{Branch +NameToVerify} {Beep} {Recalc IsQuickBar} {IF #NOT#IsQuickBar}{Quit}D {SetObjectProperty "[TEMPLATE.BAR]lblVersion.Value"; CurrentVersion} {RefreshScreenOff} {Blank DeletePressed} {DoDialog Recall; Retval}? {IF DeletePressed}{_ShowConfirmDlg "&Delete"; "_DeleteVersion"}S {IF DeletePressed #AND# #NOT# Retval}{_RestoreRedrawSetting}{Branch _ShowRecallDlg}< {IF #NOT# DeletePressed #AND# Retval}{Branch _RecallVersion} {_StoreRedrawSetting} {DoDialog StoreAs; Retval}- {IF #NOT#Retval}{_RestoreRedrawSetting}{Quit}( {IF #NOT#NameExists}{Branch _AddVersion}A{IF Retval #AND# CurrentVersion=SelectedVersion}{_ReplaceVersion}` {IF Retval #AND# CurrentVersion<>SelectedVersion}{_ShowConfirmDlg "&Replace"; "_ReplaceVersion"} {_GotoPreviousCell} {RefreshScreenOn}) {DEFINE ConfirmBtnNo:S; OKConfirmMacro:S} {DoDialog Confirm; Retval}#{IF Retval}{Branch +OKConfirmMacro} {WindowsOff} {SelectBlock VersionList} {End}{Down 2} {PutCell +"'" & SelectedVersion} {Shift+Down}B {BlockName.Create VersionList;@Property("Active_Block.Selection")} {_SortGroup "Ascending"}% {Let CurrentVersion; SelectedVersion} {Let Retval2; +IsHighlight} {Scenario.Open}# {Scenario.Capture +SelectedVersion} {Scenario.Close} {IF Retval2}{_ToggleHighlight}%{Let CurrentVersion; SelectedVersion}{_SetVersionIndicator}H {IF CurrentVersion = SelectedVersion}{Beep}{_RestoreRedrawSetting}{Quit} {Scenario.open} {Scenario.Show +SelectedVersion} {Search.Reset} {Search.Block VersionList} {Search.Case Exact} {Search.Find +SelectedVersion} {Search.Look_In Value} {Search.Match Whole} {Search.ReplaceAll} {_SortGroup "Descending"} {Shift+Up 1}" {Scenario.Remove +SelectedVersion}? {IF CurrentVersion <> SelectedVersion}{_GotoPreviousCell}{Quit} {_RecallEmpty}+ {IF CurrentVersion = "-Empty-"}{Beep}{Quit} {Let SelectedVersion; "-Empty-"}{_RecallVersion}, {IF CurrentVersion = "-Sample-"}{Beep}{Quit}! {Let SelectedVersion; "-Sample-"} {DEFINE SortDirection:S} {Sort.Reset} {Sort.Block VersionList} {Sort.Key_1 VersionList} {Sort.Order_1 +SortDirection} {Sort.Labels "Dictionary"} {Sort.Go} &Replace -Empty- None $Mortgage Calc:$H$26 Ascending Mortgage Calc!PrintArea VersionList1.0aComments Initialize notebook Load Template Tools Set label on Toolbar$ Prints PrintArea for the active page Create named print setting, based on currently defined print settings Setup and display Tips dialogSave cell pointer location"Return to previously selected cell#Shade data-entry cells yellow/white Sets global macro redraw setting"Saves current macro redraw settingRestores macro redraw setting Verify macro name before running Set Toolbar version indicator Control screen flashing Initialize variable Display Recall dialog% If Delete then display confirm dialog* If user cancels Confirm, re-display Recall/ If user clicks OK in Recall, run _RecallVersion Display Store dialog If user cancels Store, terminate* If user enters a new name, run _AddVersion&Allow quick store without confirmation0 If user enters an existing name, display Confirm" Return to previously selected cell#Dialog button text and macro to run Display Confirm dialog( If user clicks OK, run appropriate macro,Add version to VersionList and scenario mgr. Move pointer to new blank record Enter the specified version name Include the new version name, Redefine the named range to include new name1 Sort the list so -Empty- and -Sample- are topmost Reset CurrentVersion variable Set up and capture new version-Overwrites existing version with current data Recall version selected by user Reset search criteria* Set up search and search for selected name Replace version name with blank* Sort list so blanks fall to bottom of list Select the current group list Omit the blank cell) Redefine named range to exclude the blank2 Sort the group so -Empty- and -Sample- are topmost# Set up and remove selected scenario+ If user did not delete current version, end/ If user deleted current version, recall -Empty-' Do nothing if -Empty- is already active Set up for Recall Recall -Empty- version( Do nothing if -Sample- is already active Recall -Sample- version Ascending or Descending Set up and sort list of versions a.. is grouped with A..Original name of active pageConfirm dialog button textPrompt for Confirm dialog#Name of currently displayed version 1 when Recall::Delete is clicked1 when page highlighting is onBoth, Panel, Window, or None.Returns 1 if SelectedVersion is in VersionList.Macro to execute upon accepting Confirm dialogLast active cell addressGeneric return variable/Version selected in Recall, or entered in StoreAscending or Descending sortUsed in __TWTEMPLATE!1 if NameToVerify is a valid nameVerifies named block existsName of block to verify$1 if QuickTemplate Toolbar is loadedName of listed version names -Sample- Resources for QuickTemplate TipsMortgage Calc!Tips LinkedHelpDo not modify.MessageCThe Mortgage Calc page lets you determine the monthly payment that 5you can afford for a mortgage on a primary residence.MEnter your name and the date at the top of the page. List your monthly incomeL and monthly bills. This information is used to calculate your debt-to-incomeL ratio. A maximum debt-to-income ratio of 36% is given in the Total % AllowedOcell. This figure can vary. Ask your loan officer for the percentage that would?apply to you. The payment you can afford is calculated for you.G In the Mortgage You Can Afford block, enter the term of the loan you'reN applying for, and the prevailing interest rate. The maximum mortgage you couldM qualify for is calculated for you. To find out the price of a house you could; qualify to buy, enter an amount in the Cash Available cell.L To calculate the mortgage payment for the mortgage you want, enter the term,? interest rate, and loan amount in the Mortgage You Want block.F ratio. A maximum debt-to-income ratio of 36% is given in the Maximum %Q Allowed cell. This figure can vary. Ask your loan officer for the percentage thatE would apply to you. The payment you can afford is calculated for you. Your NameWorksheet Date Base ScenarioWof your monthly income you can use for housing debt is 36% minus your non-housing debt.Nora RobertsonName Datel+P; 2 ;$Q? S # {Gz?  $    0  k/  2  ; SheetO  n&DeletePermanently delete this version?  JVersion already exists with the name:  J;2U234;ST#.Value234;#.Value234;66TEMPLATE.BARApplication.SpeedbarL234;  1@@d    > > LB @@d  > > B Mortgage Calc .@@d    > > LB^y ^y :1 x!! !<q!*Q!?!t!RQ!! 6!!  " q!* Q!?A!1! v////0/ wY@W swW H H X (p lwwwwwwwwgt?wwG!pQpvwwwwwwwgt?wwG!pQpvwwwwwwwwwwwwwwwwwwwwwwwgC _p 7 7 wwwwgpQpvww7 7 wwwwg!pQpvwwFwwwww lwwwwwwwwwwwaqwwwwW!pQpvwg wwwww!pQpvwwwwwd2X,ww7!pQpvwwwww{F  a0  o8pwww7|*`*``۞s.YAqwww'3!pQpvwg"x pwwww7xt{xx'w wx7O_XkkkkHGGGOGxwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwww700//*2/'/1O/2OcGG/5O /6O ////// / / /////    !!    2 !   3 !   X4 !  /D " ;q!*p/|Q!?R!TipsS!QuickTemplate Tips!]R"  =@ "! %%  "   ! #  #   q!* u ` xQ!?R! Help3A!# #!  " .q!* +:Q!?A!q"miButtons on the QuickTemplate Toolbar provide convenient access to the following frequently used commands:r"   " .q!* s5DtQ!?A!q"+'Displays the QuickTemplate Tips dialog.r"   " .q!* sIXQ!?A!q"3/Prints the current page to the default printer.r"   " .q!* s^mܮQ!?A!q"?;Stores the current data to a version with a specified name.r"   {" .q!* srxBQ!?A!q"'#Recalls previously stored versions.r"   " .q!* s<Q!?A!q"0,Displays sample data for this QuickTemplate.r"   " .q!* s=Q!?A!q"1-Clears data-entry cells without confirmation.r"   " .q!* s>Q!?A!q"51Turns highlighting on or off in data-entry cells.r"   ]" .q!* 5cDsQ!?A!q" Tips:r"   c" .q!* IcXED F?Q!?A!q" Print Page:r"   ^" .q!* ^cmBQ!?A!q" Store:r"   _" .q!* rcQ!?A!q" Recall:r"   _" .q!* cCQ!?A!q" Sample:r"   ^" .q!* cDQ!?A!q" Empty:r"   b" .q!* cEQ!?A!q" Highlight:r"     "   ! # #   q!* u ` TQ!?R! Help2A!# !#!  "" .q!* 6[Q!?A!q"To begin entering your own data, click the Highlight button to shade the data- entry cells yellow, then enter your data into the yellow cells. After you enterr"   #" .q!*  UQ!?A!q"RNYou can use the Toolbar utilities to store more than one version of this page.r"   $" .q!* 4PD'\Q!?A!q"ieyour data, use the Store button to name the new version. You can create as many versions as you like.r"   %" .q!* U^Q!?A!q"In addition to versions you create, this template file comes with two versions: Empty, and Sample. The Empty version is a version without data; to display it, click Empty.r"   &" .q!* `Q!?A!q"The Sample version contains sample data that you can use to see how a completed template looks. Click Sample to display the Sample version.r"   '" .q!* bQ!?A!q"To display and edit versions you have previously stored, click Recall, then choose the version name from the Recall Version dialog.r"     -("   ! # )# * q!* u ` .Q!?R! Help4A!# +#!  Y," q!*(&3HQ!?R! spacer4A!#  -" .q!*( :`/Q!?A!q"Click Print Page to print the current version of this page to the default printer. The page automatically prints in either portrait or landscape mode, depending on the layout of the QuickTemplate.r"   ." .q!*( >\dԣRQ!?A!q"The QuickTemplate Toolbar includes the Print Page button as a convenience only. You can also use Quattro Pro's printing facilities if you need to morer"   /" .q!*( Y{SQ!?A!q"closely control the way the page prints. Simply choose File, Print from the Quattro Pro menu, and use the options in the Spreadsheet Print dialog. r"     r0"   ! # 1# 2# 3 q!* u `0Q!?R! Help1A!# 4#!  75" .  !  ~6" G#5 X# Value# Value >7"   ! # 6 "   q!*0 !odQ!?A!q"95you can afford for a mortgage on a primary residence.r"   8" .  !  ~9" G#8 X# Value# Value >:"   ! # 9 "   q!*0 .eQ!?A!q"r"   O;" .  !  ~<" G#; X# Value# Value >="   ! # < "   q!*0 ,;fQ!?A!q"QMEnter your name and the date at the top of the page. List your monthly incomer"   N>" .  !  ~?" G#> X# Value# Value >@"   ! # ? "   q!*0 9HgQ!?A!q"PLand monthly bills. This information is used to calculate your debt-to-incomer"   HA" .  !  ~B" G#A X# Value# Value >C"   ! # B "61   q!*0 FU8hQ!?A!q"JFratio. A maximum debt-to-income ratio of 36% is given in the Maximum %r"   SD" .  !  ~E" G#D X# Value# Value >F"   ! # E "   q!*0 SbPRiQ!?A!q"UQAllowed cell. This figure can vary. Ask your loan officer for the percentage thatr"   GG" .  !  ~H" G#G X# Value# Value >I"   ! # H "    q!*0 `o,jQ!?A!q"IEwould apply to you. The payment you can afford is calculated for you.r"   J" .  !  ~K" G#J X# Value# Value >L"   ! # K "!   q!*0 m|kQ!?A!q"r"   IM" .  !  ~N" G#M X# Value# Value >O"   ! # N ""N   q!*0 zlQ!?A!q"KGIn the Mortgage You Can Afford block, enter the term of the loan you'rer"   PP" .  !  ~Q" G#P X# Value# Value >R"   ! # Q "#   q!*0 nQ!?A!q"RNapplying for, and the prevailing interest rate. The maximum mortgage you couldr"   OS" .  !  ~T" G#S X# Value# Value >U"   ! # T "$$ãY   q!*0 mQ!?A!q"QMqualify for is calculated for you. To find out the price of a house you couldr"   =V" .  !  ~W" G#V X# Value# Value >X"   ! # W "%H   q!*0 ooQ!?A!q"?;qualify to buy, enter an amount in the Cash Available cell.r"   Y" .  !  ~Z" G#Y X# Value# Value >["   ! # Z "&   q!*0 pQ!?A!q"r"   N\" .  !  ~]" G#\ X# Value# Value >^"   ! # ] "'l   q!*0 qQ!?A!q"PLTo calculate the mortgage payment for the mortgage you want, enter the term,r"   A_" .  !  ~`" G#_ X# Value# Value >a"   ! # ` "(   q!*0 rQ!?A!q"C?interest rate, and loan amount in the Mortgage You Want block.r"   Eb" .  !  ~c" G#b X# Value# Value >d"   ! # c "   q!*0 cQ!?A!q"GCThe Mortgage Calc page lets you determine the monthly payment that r"     e"   ! # f# g q!* u ` ozQ!?R! Help5A!# 6h#!  i" .q!*e'7Q!?A!q"rnThis template was created by TitleWave Press Software, makers of QuickTemplates and other time-saving add-ins.r"   j" .q!*e'BmQ!?A!q"TitleWave Press offers several QuickTemplate packages and other business and engineering add-ins for Quattro Pro. For more detailed product information, open the ORDRFORM.WB2 notebook in yourr"   k" .q!*e'mQ!?A!q"40\QPW\TEMPLATE directory, or call 1-800-280-5322.r"   l" .q!*ekwQ!?A!q"-)Copyright 1994 TitleWave Press Softwarer"     m"   ! # n# o q!*  %w: ` Q!?R!tab2A!# p#!    q"   ! # r# s q!*  @wU Q!?R!tab3A!# t#!    u"   ! # v# w q!*  Zwp Q!?R!tab4A!# x#!    ty" .  !  $z" G#y{Z##  ,r" G#yqZ#Show#Show  , " G#y Z#Show#Show  ,|" G#y}Z#Show#Show  q!*  BySQ!?A!q" Toolbar Utilitiesr"   }"   ! # |# ~ q!* oA|T 7Q!?R! spacer3A!#  "   ! # # #  q!*  wJQ!?R!tab1A!# #!    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