pd = 'paydata'; /* SAVING CALCULATOR DATA */
numDays = 60; /* DAYS UNTIL COOKIE EXPIRES (EG. 183 DAYS = 6 MONTHS) */
/** This function checks to see if the value */
/** inputed is a true number */
function doSum(a)
{
a.value=check(a.value);
}
function check(a)
{
var pest = 0;
var b = "";
for(i=0;i<=a.length;i++)
{
var u = a.charAt(i);
if((u>="0"&&u<="9")||u==".")
{
if(u=="."){
var pest = pest+1;
if(pest==2){break;}}
var b = b + u;
}
}
return b;
}
/* CALLS UPON THE FUNCTIONS TO DETERMINE IF THE NUMBERS ENTERED ARE VALID AND TO CALCULATE THE RESULTS OF THE ENTERED DATA FOR EXAMPLE - MORTGAGE PAYMENT, GDS AND TDS RATIOS, AND LOAN TO VALUE. THIS FUNCTION IS EXECUTED EVERYTIME A VALUE IS CHANGED IN A FIELD */
function computeField(quest,input,min,max,msage)
{
doSum(input);
return (checkNumber(quest,input,min,max,msage));
}
function checkNumber(quest,input,min,max,msg)
{
var str = input.value;
for (var i = 0; i < str.length; i++) {
var ch = str.substring(i, i + 1)
if ((ch < "0" || "9" < ch) && ch != '.') {
return false;
}
}
if(input.value!="")
{
var num = 0 + str
if (num < min) {
var sendn = "Question " + quest + ": ("+ msg + ")";
var sendq = "You have entered " + input.value + ". Please enter a number greater than " + min +".";
fixpro(sendn,sendq);
return false;
}
input.value = str;
return true;
}
}
//---------------------------
/* TESTS VERSIONS FOR WHICH WILL SUPPORT POP UP WINDOWS */
function versTest()
{
var one = '';
var two = '';
if (
(navigator.appName.substring(0,8)=="Netscape" && (navigator.appVersion.substring(0,3) == "3.0" || navigator.appVersion.substring(0,3) =="4.0")))
{var one='true';}
if(
(navigator.appName.substring(0,9) == "Microsoft" && navigator.appVersion.substring(0,3) == "3.0" && navigator.appVersion.indexOf("Macintosh")>=0))
{var two='true';}
if(one=='true' || two=='true' ||
(navigator.appName.substring(0,9) == "Microsoft" && navigator.appVersion.indexOf("MSIE 3.0")>=0 &&
navigator.appVersion.indexOf("Windows 3.1")>=0)
)
{return true;}
else
{return false;}
}
/* TESTS IF VERSION IS MSIE 3.0 FOR MAC */
function msTest()
{
if(navigator.appName.substring(0,9) == "Microsoft" && (navigator.appVersion.substring(0,3) == "3.0" && navigator.appVersion.indexOf("Macintosh")>=0))
{return true;}
else
{return false;}
}
function nineTest()
{
if(navigator.appName.substring(0,9) == "Microsoft" && (navigator.appVersion.substring(0,3)=="3.0" || navigator.appVersion.indexOf("MSIE 3.0")>=0) && (navigator.appVersion.indexOf("Macintosh")==-1 || navigator.appVersion.indexOf("Windows 3.1")== -1)
)
{return true;}
else
{return false;}
}
//-----------------------------
/* OPENS POP UP WINDOW TO DISPLAY VALIDATION MESSAGES IN NETSCAPE 3.0 AND 4.0 */
function fixpro(n,q)
{
if(versTest() == true){
if(msTest()==true){
var winNam='';
}
else{
var slash = location.href.lastIndexOf("/")+1;
var filNam = location.href.substring(0,slash);
var winNam = filNam+'empty.html';
}
fix = window.open(winNam,'FIX','toolbar=no,location=no,directories=no,status=no,menubar=no,scrollbars=yes,resizable=no,width=300,height=100');
if(navigator.appName.substring(0,8) == "Netscape"){
fix.focus();
}
fix.document.write('Calculators');
fix.document.write('');
fix.document.close();
}
else{alert(n+'\n'+q)}
}
//----------------------------
function roundPen(n,num)
{
if(n > 0){
var nums = num*1.0;
if(num==1){
pennies = n*10;}
if(num==2){
pennies = n*100;}
if(num==3){
pennies = n*1000;}
pennies = Math.round(pennies);
strPennies = "" + pennies;
len = strPennies.length;
return strPennies.substring(0, len - nums) + "." + strPennies.substring(len - nums, len);
}
else return 0;
}
//---------------------------------
function controlVarst(n)
{
if(controlVars(n)==true){}
compRevAmort();
}
function controlVars(n)
{
if(compute(n)==true){
if(n!=2){var AMORT = (document.paycalc.NAMORTYEARS.value * 1.0) + ((document.paycalc.NAMORTMONTHS.value * 1)/12);}
if(n!=3){var MORTGAGE = document.paycalc.AMOUNT.value * 1.0;}
if(n!=4){var INRATE = (document.paycalc.INTEREST.value * 1.0)/100;}
if(n!=5){var PAYMENT = document.paycalc.PAYMENT.value * 1.0;}
var FREQ = (document.paycalc.PFREQ.selectedIndex)*1.0;
if(n==2){if(compAmort(MORTGAGE,INRATE,PAYMENT,FREQ)==false){return false;}else{return true;}}
if(n==3){if(compAmnt(AMORT,INRATE,PAYMENT,FREQ)==false){return false;}else{return true;}}
if(n==4){if(compInt(AMORT,MORTGAGE,PAYMENT,FREQ)==false){return false;}else{return true;}}
if(n==5){if(compPay(AMORT,MORTGAGE,INRATE,FREQ)==false){return false;}else{return true;}}
else{return true;}
}
else{return false;}
}
function compPay(AMORT,MORTGAGE,INRATE,FREQ){
var compound = 2/12;
var monTime = AMORT * 12;
var yrRate = INRATE/2;
var rdefine = Math.pow((1.0 + yrRate),compound)-1.0;
var comfact = Math.pow((1.0 + rdefine),monTime);
var PAYMNT = (MORTGAGE*rdefine * comfact)/ (comfact - 1.0);
if(FREQ==0){
var rPAYMENT = PAYMNT;}
if(FREQ==2){
var rPAYMENT = PAYMNT/2.0;}
if(FREQ==3){
var rPAYMENT = PAYMNT/4.0;}
if(FREQ==1){
var compound2 = 2/24;
var monTime2 = AMORT * 24;
var rdefine2 = Math.pow((1.0 + yrRate),compound2)-1.0;
var comfact2 = Math.pow((1.0 + rdefine2),monTime2);
var rPAYMENT = (MORTGAGE*rdefine2 * comfact2)/ (comfact2 - 1.0);
}
document.paycalc.PAYMENT.value=roundPen(rPAYMENT,2);
return true;
}
//--------------------------------------------------
function compAmnt(AMORT,INRATE,PAYMENT,FREQ){
if(FREQ==0){
var rPAYMENT = PAYMENT;}
if(FREQ==2){
var rPAYMENT = PAYMENT*2.0;}
if(FREQ==3){
var rPAYMENT = PAYMENT*4.0;}
var compound = 2/12;
var monTime = AMORT * 12;
var yrRate = INRATE/2;
var rdefine = Math.pow((1.0 + yrRate),compound)-1.0;
var comfact = Math.pow((1.0 + rdefine),monTime);
var bal = rPAYMENT*(comfact-1)/(rdefine*comfact);
if(FREQ==1){
var compound2 = 2/24;
var monTime2 = AMORT * 24;
var rdefine2 = Math.pow((1.0 + yrRate),compound2)-1.0;
var comfact2 = Math.pow((1.0 + rdefine2),monTime2);
var bal = PAYMENT*(comfact2-1)/(rdefine2*comfact2);
}
document.paycalc.AMOUNT.value=roundPen(bal,2);
return true;
}
//----------------------------
function findRate(q,n,MORTGAGE,AMORT,COMPOUND,PAYMENT){
var compound = COMPOUND/12;
var monTime = AMORT * 12;
var newpay = 0;
for(i=q;newpay<=PAYMENT;i=i+n){
var RATE = i/100;
var yrRate = RATE/COMPOUND;
var rdefine = Math.pow((1.0 + yrRate),compound)-1.0;
var comfact = Math.pow((1.0 + rdefine),monTime);
var newpay = (MORTGAGE*rdefine * comfact)/ (comfact - 1.0);
}
return i-n-n;
}
//----------------------------
//----------------------------
function findRate2(q,n,MORTGAGE,AMORT,COMPOUND,PAYMENT){
var compound = COMPOUND/24;
var monTime = AMORT * 24;
var newpay = 0;
for(i=q;newpay<=PAYMENT;i=i+n){
var RATE = i/100;
var yrRate = RATE/COMPOUND;
var rdefine = Math.pow((1.0 + yrRate),compound)-1.0;
var comfact = Math.pow((1.0 + rdefine),monTime);
var newpay = (MORTGAGE*rdefine * comfact)/ (comfact - 1.0);
}
return i-n-n;
}
//----------------------------
function compInt(AMORT,MORTGAGE,PAYMENTx,FREQ){
var COMPOUND = 2;
var intpayment = PAYMENTx;
if(FREQ==2){
var intpayment = PAYMENTx*2.0;}
if(FREQ==3){
var intpayment = PAYMENTx*4.0;}
if(FREQ!=1){
var wholerate = findRate(1,1,MORTGAGE,AMORT,COMPOUND,intpayment);
var solverate = findRate(wholerate,.001,MORTGAGE,AMORT,COMPOUND,intpayment);
}
if(FREQ==1){
var wholerate = findRate2(1,1,MORTGAGE,AMORT,COMPOUND,PAYMENTx);
var solverate = findRate2(wholerate,.001,MORTGAGE,AMORT,COMPOUND,PAYMENTx);
}
document.paycalc.INTEREST.value = roundPen(solverate,3);
return true;
}
//-------------------------
function findAmort(q,n,MORTGAGE,RATE,COMPOUND,PAYMENTAG){
var compound = COMPOUND/12;
var yrRate = RATE/COMPOUND;
var rdefine = Math.pow((1.0 + yrRate),compound)-1.0;
var newpay = 1000000000;
for(i=q;newpay>=PAYMENTAG;i=i+n){
var monTime = i * 12;
var comfact = Math.pow((1.0 + rdefine),monTime);
var newpay = (MORTGAGE*rdefine * comfact)/ (comfact - 1.0);
}
return i-n-n;
}
//--------------------------
//-------------------------
function findAmort2(q,n,MORTGAGE,RATE,COMPOUND,PAYMENTAG){
var compound = COMPOUND/24;
var yrRate = RATE/COMPOUND;
var rdefine = Math.pow((1.0 + yrRate),compound)-1.0;
var newpay = 1000000000;
for(i=q;newpay>=PAYMENTAG;i=i+n){
var monTime = i * 24;
var comfact = Math.pow((1.0 + rdefine),monTime);
var newpay = (MORTGAGE*rdefine * comfact)/ (comfact - 1.0);
}
return i-n-n;
}
//--------------------------
function compAmort(MORTGAGE,INRATE,PAYMENTt,FREQ){
var returnpay = PAYMENTt*1.0;
var COMPOUND = 2;
if(FREQ==2){
var returnpay = PAYMENTt*2.0;}
if(FREQ==3){
var returnpay = PAYMENTt*4.0;}
if(FREQ!=1){
var wholecom = findAmort(1,1,MORTGAGE,INRATE,COMPOUND,returnpay);
var solvecom = findAmort(wholecom,.001,MORTGAGE,INRATE,COMPOUND,returnpay);
}
if(FREQ==1){
var wholecom = findAmort2(1,1,MORTGAGE,INRATE,COMPOUND,returnpay);
var solvecom = findAmort2(wholecom,.001,MORTGAGE,INRATE,COMPOUND,returnpay);
}
if (roundPen(((solvecom % 1)*12),1) == 12){
document.paycalc.NAMORTYEARS.value = Math.floor(solvecom + 1);
document.paycalc.NAMORTMONTHS.value = 0;
}else{
document.paycalc.NAMORTYEARS.value = Math.floor(solvecom);
document.paycalc.NAMORTMONTHS.value = roundPen(((solvecom % 1)*12),1);
}
return true;
}
//--------------------------
function compRevAmort(){
freq = retFreq(document.paycalc.PFREQ.selectedIndex);
amortyears = document.paycalc.NAMORTYEARS.value;
amortmonths = document.paycalc.NAMORTMONTHS.value;
mortgage = document.paycalc.AMOUNT.value;
intrate = document.paycalc.INTEREST.value;
var payment = calcPay(mortgage, amortyears, amortmonths, intrate, 2, freq);
var intFact = Math.pow((1+(intrate/100)/2),(2/freq))-1;
if (freq == 12 || freq == 24){
document.paycalc.newamortyears.value = document.paycalc.NAMORTYEARS.value;
document.paycalc.newamortmonths.value = document.paycalc.NAMORTMONTHS.value;
}else{
// need to determin the number of payments so we can correctly determin the Amortization period
var principalBal = mortgage;
var aYear = 0;
var annualCount = 1;
for(payAdd = 1; principalBal>0; payAdd++){
var checkLump = 0;
//SET FLAG IF THIS PAYMENT IS AN ANNIVERSARY
if((payAdd-1)/Math.floor(freq)==annualCount){
var aYear = 1;}
//INTEREST AND PRINCIPAL PAYMENT
var interestPayment = roundPen((principalBal * intFact),2)*1.0;
var principalPayment = roundPen((payment - interestPayment),2)*1.0;
var checkBal = (principalPayment > principalBal) ? principalBal : principalPayment;
var principalBal = roundPen((principalBal-checkBal),2)*1.0;
//LUMPSUM PAYMENT IF REQUESTED
if(aYear==1&&0>=annualCount){
var checkLump = (lumpAmt > principalBal) ? principalBal : lumpAmt;
var principalBal = roundPen((principalBal - checkLump),2)*1.0;}
//ELIMINATES BALANCE (ADDS IT TO PRINCIPAL PAID) IF LESS THAN HALF
if(principalBal<((interestPayment+principalPayment)/2)){
var checkBal = checkBal+principalBal;
var principalBal = 0;}
//RESETS THE ANNIVERSARY
if(aYear==1){
var annualCount = annualCount+1;
var aYear = 0;}
}
var totalYears = (payAdd-1)/freq;
document.paycalc.newamortyears.value = Math.floor(totalYears);;
document.paycalc.newamortmonths.value = (Math.round((totalYears % 1)*120)/10);
}
}
/* THIS FUNCTION CALCULATES THE MONTHLY MORTGAGE PAYMENT BASED ON THE USER'S INPUT */
function calcPay(MORTGAGE, AMORTYEARS, AMORTMONTHS, INRATE, COMPOUND, FREQ){
var compound = COMPOUND/12;
var monTime = (AMORTYEARS * 12) + (1 * AMORTMONTHS);
var RATE = (INRATE*1.0)/100;
var yrRate = RATE/COMPOUND;
var rdefine = Math.pow((1.0 + yrRate),compound)-1.0;
var PAYMENT = (MORTGAGE*rdefine * (Math.pow((1.0 + rdefine),monTime)))/ ((Math.pow((1.0 + rdefine),monTime)) - 1.0);
if(FREQ==12){
return PAYMENT;}
if(FREQ==26){
return PAYMENT/2.0;}
if(FREQ==52){
return PAYMENT/4.0;}
if(FREQ==24){
var compound2 = COMPOUND/FREQ;
var monTime2 = (AMORTYEARS * FREQ) + (AMORTMONTHS * 2);
var rdefine2 = Math.pow((1.0 + yrRate),compound2)-1.0;
var PAYMENT2 = (MORTGAGE*rdefine2 * (Math.pow((1.0 + rdefine2),monTime2)))/ ((Math.pow((1.0 + rdefine2),monTime2)) - 1.0);
return PAYMENT2;
}
}
/* VALIDATES ALL THE FIELDS AND CALCULATES VALUES TO BE ENTERED INTO THE TEXT BOXES AT THE BOTTOM OF THE PAGE WHEN THE USER CLICKS ON COMPUTE OR COMPUTE AMORTIZATION */
function compute(n){
if (n!=2) {
/*
if((document.paycalc.NAMORTYEARS.value == null|| document.paycalc.NAMORTYEARS.value.length == 0)|| (document.paycalc.NAMORTYEARS.value < 1)){
fixpro('Question 2: (Amortization Period - YEARS)','Please enter a number greater than 1.');
return false;
}
if((document.paycalc.NAMORTMONTHS.value == null || document.paycalc.NAMORTMONTHS.value.length == 0)|| (document.paycalc.NAMORTMONTHS.value < 0 || document.paycalc.NAMORTMONTHS.value > 12)){
fixpro('Question 2: (Amortization Period - Months)','Please enter a number between 0 and 12.');
return false;
}
*/
if((document.paycalc.NAMORTYEARS.value == null || document.paycalc.NAMORTYEARS.value.length == 0)|| (document.paycalc.NAMORTYEARS.value < 0 || document.paycalc.NAMORTYEARS.value > 40)){
fixpro('Question 2: (Amortization Period - Years)','Please enter a number between 0 and 40.');return false;}
if((document.paycalc.NAMORTMONTHS.value == null || document.paycalc.NAMORTMONTHS.value.length == 0)|| (document.paycalc.NAMORTMONTHS.value < 0 || document.paycalc.NAMORTMONTHS.value > 11)){
fixpro('Question 2: (Amortization Period - Months)','Please enter a number between 0 and 11.');return false;}
if(document.paycalc.NAMORTMONTHS.value < 6 && document.paycalc.NAMORTYEARS.value == 0){
fixpro('Question 2: (Amortization Period)','Please enter an Amortization Period of at least 6 months long.');return false;}
}
if (n!=3) {
if((document.paycalc.AMOUNT.value == null|| document.paycalc.AMOUNT.value.length == 0)|| (document.paycalc.AMOUNT.value <10000) ){
fixpro('Question 3: (Mortgage Amount)','Please enter a number greater than 10000.');
return false;
}
}
if (n!=4) {
if((document.paycalc.INTEREST.value == null|| document.paycalc.INTEREST.value.length == 0)|| (document.paycalc.INTEREST.value <2))
{fixpro('Question 4: (Interest Rate)','Please enter a number greater than 2.0.');
return false;}
}
if (n!=5) {
if((document.paycalc.PAYMENT.value == null || document.paycalc.PAYMENT.value.length == 0)||(document.paycalc.PAYMENT.value < 1))
{fixpro('Question 5: (Mortgage Payment)','Please enter a number greater than 1.0.');return false;}
}
return true;
}
/* OPENS WINDOW USED TO DISPLAY HELP MESSAGES WHEN THE USER CLICKS ON A HELP BUTTON. THE HELP MESSAGE DISPLAYED IS DETERMINED IN THE ARRAY WHICH IS REFERENCED ACCORDING TO THE HELP BUTTON WHICH WAS CLICKED */
function winopen(name)
{
var linkit = "help/"+name;
if(versTest() == true||nineTest()==true){
qc=window.open(linkit,'helpscreen','toolbar=no,location=no,directories=no,status=no,menubar=no,scrollbars=yes,resizable=no,width=250,height=180');
if(navigator.appName.substring(0,8) == "Netscape")
{qc.focus();}
}
else{location.href=linkit;}
}
function retFreq(n){
if(n==0){return 12;}
if(n==1){return 24;}
if(n==2){return 26;}
if(n==3){return 52;}
}
/* SAVES COOKIE CONTAINING DATA TO BE USED IN AMORTIZATION SCHEDULE */
function quickCook(MTGAMT,AMORTYEARS,AMORTMONTHS,RATE,TERM,FREQ,WHATYEAR)
{
if (WHATYEAR == -1 ){
var timeKindA = 0;
}else{
WHATYEAR = 0;
var timeKindA = 1;
}
var AMORTPMT = document.forms[0].PAYMENT.value;
var intrate = RATE/100;
var INTFACTOR = Math.pow((1+intrate/2),(2/FREQ))-1;
var expire = new Date ();
expire.setTime (expire.getTime() + (numDays * 24 * 3600000));/* 2 MONTHS */
var pdData = " " ;
pdData = pdData + '`' + MTGAMT + '`' + AMORTPMT + '`' + INTFACTOR + '`' + FREQ + '`' + ((AMORTYEARS*FREQ)+(AMORTMONTHS * FREQ/12)) + '`' + 0 + '`' + 0 +'`' + 3 + '`' + timeKindA + '`' + RATE*1.0/100 + '`' + 0 + '`' + WHATYEAR + '`' + 0 + '`' + 0 + '`' + 0 + '`' + 0 + '`' + 0;
document.cookie = pd +"=" + escape(pdData) +"; expires=" + expire.toGMTString()+"; path=/" ;
}
function computeAm(form,whatyear)
{
var count=0;
var which="";
var freq = retFreq(form.PFREQ.selectedIndex)*1.0;
var amort = form.NAMORTYEARS.value;
var amount = form.AMOUNT.value;
var rate = form.INTEREST.value;
var payment = form.PAYMENT.value;
if(amort==null||amort.length==0){count=count+1;which="am";}
if(amount==null||amount.length==0){count=count+1;which="amt";}
if(rate==null||rate.length==0){count=count+1;which="rate";}
if(payment==null||payment.length==0){count=count+1;which="pay";}
if(count>1){fixpro('','You must complete three out of the four questions');return false;}
if(count<=1){
if(which=="pay"||which==""){if(controlVars(5)==false){return false;}}
if(which=="am"){if(controlVars(2)==false){return false;}}
if(which=="amt"){if(controlVars(3)==false){return false;}}
if(which=="rate"){if(controlVars(4)==false){return false;}}
var amount=form.AMOUNT.value;
var amortyears = form.NAMORTYEARS.value;
var amortmonths = form.NAMORTMONTHS.value;
var rate = form.INTEREST.value;
setTimeout("quickCook("+amount+","+amortyears+","+amortmonths+","+rate+",12,"+freq+","+whatyear+")",100);
return true;
}
return false;
}
function amortLink(whatyear)
{
var timere = computeAm(document.forms[0],whatyear);
if(timere==true){setTimeout("document.form2.submit()",100);}
}
function amortonLink()
{
if(computeAm(document.forms[0],whatyear)==true){
setTimeout("document.form2.submit()",100);return false;
}
else{return false;}
}