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(Note: This is a hard translation
only for reference. It's doubtful that this Brazilian specialized
system can be used in another country.)
The CPAP®
is advanced software for Windows® programmed in Microsoft
VBA, Visual Basic for Application, that turns enough easy
value updates and payment plans on term calculations.
It has a number of modules that propose
to perform main financial calculations relating with payments
on term, doing and emitting payment plans, payment updates,
receipts, promissory notes, price tables, contracts, contract
accompaniments with emission of accounts receivable reports
etc.
Although it is an omnibus system,
its initial and basic target, included into its Payment
Plan Module, is to be a friendly and secure interface to
sale on term by any layman user in Financial Mathematics,
mounting simple or complex payment plans, with short or
long term, face to face with the customer.
Above all it is a tool for value updates,
for sale department or stand, and for finance department.
See, in the folder, the item
Main Features of CPAP®
In its complete setting, it is a sophisticate
and flexible financial manager specialized in payment plan
on term, making possible a complete contract accompaniment,
emitting receipted account and account receivable reports,
cash flow etc. Its reports can be global or by product group,
by job, by company, by enterprise, by building etc.
CONTRACTS
The fascinating of the
Module for Emission of Contracts
is that, starting from templates previously set and saved
by proper user, the contract emission is totally automatic.
Thus, mounted the payment plan and filled the customer's
cadaster in the Module of Payments
Plans, the contract can be emitted in seconds. All this
in front of the customer.
AKIN AREAS
Financial Mathematics
Financial Manager
Economic Engineering
Legal Contract Edition
Table of Price Edition
etc.
FINANCIAL
MANAGER
If you already have financial
manager software, improve it by integrating the CPAP. If you do
not have this program type yet, see what the CPAP can do for you. More details
in CPAP
x Financial Managers
CHALLENGE
1
To sell on easy terms a real estate having a present value
of $ 80,000.00 with $ 20,000.00 of entrance, 4 half yearly
payments of $ 5,000.00 and the remainder divided in 24 monthly
payments, being the 12 last payments 20% upper 12 first
ones. Monthly rate of 1.0%. And, when due of half yearly
payments, must not there be
due date of monthly ones.
Take up the challenge and try to assemble this plan with
your financial calculator, on your electronic sheet or on
any other alike soft. Send a email to
orlando@cpap.com.br communicating monthly payments values,
the total on term and how much time take to do all calculations.
Lingered? Complex? Impossible?
Not! On the CPAP®, this can be made in seconds till
for a layman in Financial Mathematics in the front of the
customer.
On the CPAP®, you will still have the possible to print
well explanatory reports, to emit automatically receipts,
the contract, promissory notes, to do the accompaniment
of engaged payments with application of mulct and delinquent
tax or discount of opportunity tax for anticipated payment
or payments or for assembly the debt in a new plan etc.
CHALLENGE
2
Taking less than 3 (three)
minutes, how you can do in the CPAP®, try to
implement and calculate
the internal rate of return in the following payment plan:
The plan has a present value of $ 130,000.00 with $ 25,287.66
of entrance, 6 half yearly payments of $ 5,000.00 and 60
due date of month, being 20 of $ 1,800.00, 20 of $ 2,300.00
and 20 last of $ 2,900.00. And, when due of half yearly
payments, must not there be
due date of month.
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