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HOW TO USE MORTGAGE CALCULATOR: 1. Copy the Total Contact Price and the Down payment figures of the model house that you desire, on the calculator. 2. Set the value of the Loan Term to "5", "10" or "15", maximum years to pay is 15years. 3. Set the interest rate to "18", tax rate is "0", insurance rate is "0". 4. Press "Caldulate >>"