How to use the BEGIN and END modes on the HP 12C

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Prof. Massa | FINANÇAS PRAGMÁTICAS

Published on Dec 25, 2024
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Financing installments of equal value are known in FINANCIAL MATHEMATICS as UNIFORM PAYMENT SERIES, and can be deferred or advanced. On the HP 12C financial calculator, the PMT key performs this function. In the case of deferred installments, the first installment is paid one month after purchase. In the case of advanced installments, the first installment is paid at the time of purchase, therefore financing a lower amount. On the HP 12C, the END mode corresponds to deferred installments and the BEGIN mode corresponds to advanced installments. MASAKAZU HOJI Businessman, financial consultant, editor of the ProfessorNews website. He was a professor at Universidade Presbiteriana Mackenzie and coordinator of postgraduate studies at Faculdades Senac. He was a financial executive for multinational companies, such as Yakult, NEC do Brasil and Toshiba. He is the author of more than a dozen books on FINANCE and CONTROLLERSHIP.

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