pcd = 'paycalcdata'; /* SAVING CALCULATOR DATA */
pd = 'paydata'; /* SAVING CALCULATOR DATA FOR AM SCHEDULE */
numDays = 60; /* DAYS UNTIL COOKIE EXPIRES (EG. 183 DAYS = 6 MONTHS) */
//------------------------------------
/* FUNCTION THAT ADDS COMMAS TO THE CURRENCY VALUE (i.e. $1000000.00 -> $1,000,000.00) */
function addCommas(currencyValue){
currencyValue = "" + currencyValue;
var dollars = 0;
var cents = "";
if ( currencyValue.indexOf(",") != -1 ) {
return currencyValue;
} else if ( currencyValue.indexOf(".") != -1 ){
dollars = currencyValue.substring(0,currencyValue.indexOf("."));
cents = currencyValue.substring(currencyValue.indexOf("."),currencyValue.length);
} else if ( currencyValue > 0 ){
dollars = currencyValue;
} else {
return currencyValue;
}
var returnValue = "";
for (var i=1;i<=dollars.length;i++){
if (i % 3 == 1 && i != 1){
returnValue = "," + returnValue;
}
returnValue = dollars.charAt(dollars.length - i) + returnValue;
}
returnValue += cents;
return returnValue;
}
//------------------------------------
/*THE FOLLOWING TWO FUNCTIONS CHECK THAT ALL NUMERIC VALUES ARE REAL NUMBER AND REMOVE DOUBLE DECIMALS */
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;
}
//------------------------------------
function doSum(a){
a.value = check(a.value);
}
//------------------------------------
/* 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||nineTest()==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 CONFIRMS THAT THE VALUE ENTERED INTO A FIELD FALLS WITHIN THE PRE-DETERMINED MINIMUM AND MAXIMUM VALUES, AND DISPLAYS AN ERROR MESSAGE WITH THE ALLOWABLE NUMERIC RANGE FOR THE FIELD DATA IN A POP UP VALIDATION WINDOW */
function checkNumber(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 != '.') {
alert(msg);
return false;
}
}
if(input.value!=""){
var num = 0 + str
if (num < min || max < num) {
var sendn = msg+":";
var sendq = "You have entered " + input.value + ". Please enter a number between " + min + " and " + max + ".";
fixpro(sendn,sendq);
return false;
}
input.value = str;
return true;
}
}
//------------------------------------
/* 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(input,min,max,msage)
{
doSum(input);
return (checkNumber(input,min,max,msage));
}
//------------------------------------
function validAm(input,min,max,msg)
{
doSum(input);
var py = document.prpaycalc;
if(input.name == "NAMORTY"){
py.NAMORTM.value = 0;
}
if(input.name == "NAMORTM" && py.NAMORTY.value==40){
fixpro('Question 3: Initial Amortization Period:','The entered amortization period cannot exceed 40 years.');
input.value = 0;
}
if(input.value > max || input.value < min){
checkNumber(input,min,max,msg);
if(input.name == "NAMORTM"){
input.value = 0;
}
}
}
//------------------------------------
function amortLink(whatyear)
{
if(navigator.appVersion.substring(0,3) == 2.0 && navigator.appName.substring(0,8)=="Netscape" && (navigator.appVersion.indexOf("Macintosh")>=0||navigator.appVersion.indexOf("PowerPC")>=0)){
if(validResults()==true && computeResults(2,whatyear)==true){
setTimeout("document.amlump.submit()",100);
}
}
else{
if(validResults()==true && computeResults(2,whatyear)==true){
document.amlump.submit();
}
}
}
//------------------------------------
function amortonLink()
{
if(validResults==true && validLumps('valid')==true && computeResults(2,0)==true){
document.amlump.submit();return false;
}
else{
return false;
}
}
//------------------------------------
function roundReg(n)
{
if(n > 0){
pennies = n*100;
pennies = Math.round(pennies);
strPennies = "" + pennies;
len = strPennies.length;
if (len<3 ) {
var times=3-len;
for (i=0;i 10000000) ){
fixpro('Question 1: Mortgage Amount','Please enter a number between 20000 and 10000000 or click the \'Compute\' button if all other fields contain values.');return false;
}
if((py.RATE.value == null || py.RATE.value.length == 0)||(py.RATE.value < 1 || py.RATE.value > 30)){
fixpro('Question 2: Interest Rate','Please enter a number between 1.0 and 30.0 or click the \'Compute\' button if all other fields contain values..');return false;
}
if((py.NAMORTY.value == null || py.NAMORTY.value.length == 0)|| (py.NAMORTY.value < 0 || py.NAMORTY.value > 40)){
fixpro('Question 3: (Amortization Period - Years)','Please enter a number between 0 and 40.');return false;}
if((py.NAMORTM.value == null || py.NAMORTM.value.length == 0)|| (py.NAMORTM.value < 0 || py.NAMORTM.value > 11)){
fixpro('Question 3: (Amortization Period - Months)','Please enter a number between 0 and 11.');return false;}
if(py.NAMORTM.value < 6 && py.NAMORTY.value < 1){
fixpro('Question 3: (Amortization Period)','Please enter an Amortization Period of at least 6 months long.');return false;}
if(py.NAMORTM.value==""){
py.NAMORTM.value = "0"
}
if((py.MAINPAY.value == null|| py.MAINPAY.value.length == 0) || (py.MAINPAY.value<0 || py.MAINPAY.value > 10000000)){
fixpro('Question 4: Mortgage Payment','Please enter a number between 0 and 10000000 or click the \'Compute\' button if all other fields contain values..');return false;
}
//if(py.PFREQ.selectedIndex == 0){
// fixpro('Question 5: Payment Frequency','You have not answered this question, click on the PLEASE CHOOSE button to select your option.');return false;
//}
return true;
}
//------------------------------------
/* 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 computeResults(n,whatyear)
{
var py = document.prpaycalc;
//MORTGAGE SCENARIO INFORMATION
var mortgage = py.MORTAMT.value*1.0;
var intRate = (py.RATE.value*1.0)/100;
var amortMon = (py.NAMORTM.value*1.0)+(py.NAMORTY.value*1.0*12);
var paymentx = py.MAINPAY.value*1.0;
var payment=paymentx;
var payFreq = py.PFREQ.selectedIndex*1.0;
var accel = py.ACCSEL.selectedIndex*1.0;
var numPay1 = calcNumPay(payFreq,1);
var numPay2 = calcNumPay(payFreq,2);
var compFreq = 2;
var intFact = calcIntFact(intRate,compFreq,numPay1);
var compFact = calcCompFact(amortMon,intFact,numPay2);
//CALCULATE REVISED AMORTIZATION FOR COMPARISON
var baseRevAm = calcAmort(mortgage,payment,intFact);
var baseRevAmMonths = Math.round((baseRevAm/numPay2)*12);
//CALCULATE TOTAL INTEREST FOR REGULAR MORTGAGE
var regIntBal = calcBal(mortgage,intFact,payment,baseRevAm);
var regularInterest = (payment*baseRevAm)-(mortgage-regIntBal);
//LUMP SUM PAYMENT DECLARATION
var lumpAmt = py.LUMPAMT.value*1.0;
var lumpTime = py.LUMPYRS.value*1.0;
//MORTGAGE PAYMENT INCREASE DECLARATION
var incpayAmt = py.INCPAY.value*1.0;
var incpayType = py.INCTYPE.selectedIndex*1.0;
var incpayTime = py.INCYEARS.value*1.0;
//SOLVE FOR REVISED AMORTIZATION & INTEREST SAVED;
var principalBal = mortgage;
var prepayInterest = 0;
var annualCount = 1;
var aYear = 0;
var lastInterest=0;
for(payAdd = 1; principalBal>0&&payAdd<=baseRevAm; payAdd ++){
//SET FLAG IF THIS PAYMENT IS AN ANNIVERSARY
if(payAdd/Math.floor(numPay1)==annualCount){
var aYear = 1;}
//INCREASE MORTGAGE PAYMENT IF REQUESTED
if(aYear==1&&incpayTime>=annualCount){
var payment = (incpayType==0) ? roundReg((1.0+(incpayAmt/100))*payment)*1.0 : payment+incpayAmt*1.0; }
//INTEREST AND PRINCIPAL PAYMENT
var interestPayment = roundReg(principalBal * intFact)*1.0;
var principalPayment = roundReg(payment - interestPayment)*1.0;
var checkBal = (principalPayment > principalBal) ? principalBal : principalPayment;
var principalBal = roundReg(principalBal-checkBal)*1.0;
//LUMPSUM PAYMENT IF REQUESTED
if(aYear==1&&lumpTime>=annualCount){
var checkLump = (lumpAmt > principalBal) ? principalBal : lumpAmt;
var principalBal = roundReg(principalBal - checkLump)*1.0;}
var prepayInterest = roundReg(prepayInterest+interestPayment)*1.0;
var realPayment = roundReg(interestPayment+checkBal)*1.0;
if(principalBal==0){var newPayAdd = payAdd;}
//RESETS THE ANNIVERSARY
if(aYear==1){
var annualCount = annualCount+1;
var aYear = 0;}
}
//REVISED AMORTIZATION PERIOD & INTEREST SAVINGS DONE
if(principalBal!=0){var newPayAdd = baseRevAm;}
if(realPayment<(payment/2)){var newPayAdd = newPayAdd-1;}
var revAmortMon = Math.round((newPayAdd/numPay2)*12);
var newYrs = Math.floor(revAmortMon/12);
var newMos = revAmortMon % 12;
var savedInterest = roundReg(regularInterest - prepayInterest);
//RETURN RESULTS
py.AMNEWY.value = newYrs;
py.AMNEWM.value = newMos;
if (((py.LUMPAMT.value * py.LUMPYRS.value)>0) || ((py.INCPAY.value * py.INCYEARS.value)>0)){
py.AMINTSAVE.value = addCommas(savedInterest);
}else{
py.AMINTSAVE.value = 0;
}
if(n==2){
quickCook(mortgage,paymentx,intFact,numPay2,baseRevAm,intRate,accel,lumpAmt,lumpTime,incpayAmt,incpayType,incpayTime,whatyear);
}
return true;
}
//------------------------------------
function calcPay(mortgage,intfact,compfact){
return roundReg((mortgage*intfact*compfact)/(compfact-1))*1.0;
}
//------------------------------------
function calcIntFact(intrate,compfreq,numpay1){
return Math.pow((1+intrate/compfreq),(compfreq/numpay1))-1;
}
//------------------------------------
function calcCompFact(amort,intfact,numpay2){
var amortPays = Math.floor((amort/12)*numpay2);
return Math.pow((1+intfact),amortPays);
}
//------------------------------------
function calcBal(mortgage,intfact,payment,whatPay){
return roundReg((mortgage*(Math.pow((1.0 + intfact),(whatPay)))) - ((payment * ((Math.pow((1.0 + intfact),(whatPay))) - 1.0))/intfact))*1.0;
}
//------------------------------------
function calcAccelPay(payment,numpay1){
return roundReg((payment*13)/Math.floor(numpay1))*1.0;
}
//------------------------------------
/*RETURNS CALCULATED AMORTIZATION PERIOD*/
function calcAmort(mortgage,payment,intfact)
{
return Math.round(Math.log(payment/(payment-mortgage*intfact))/Math.log(1+intfact));
}
//------------------------------------
function calcReverseAccel(payment,numpay1){
return roundReg(((payment*Math.floor(numpay1))/13))*1.0;
}
//------------------------------------
function calcMtgAmount(intfact,payment,whatPay){
return roundReg(payment*((Math.pow((1.0 + intfact),(whatPay)))-1)/(intfact*(Math.pow((1.0 + intfact),(whatPay)))));
}
//------------------------------------
/*RETURNS CALCULATED INTEREST RATE*/
function calcRate(mortgage,amortMon,numPay1,numPay2,payment)
{
if (amortMon!=0) {
var lowgs = 0;
var highgs = 99;
var solvePay=0;
var lastRate = 49.5;
var gsRate = (highgs+lowgs)/2;
var chkDif = 10;
var chkPay=10;
for(gsRate;((chkDif>=0.001)||(chkPay>=0.01)&&gsRate>=0.0001);gsRate=(highgs+lowgs)/2){
var intFact = calcIntFact((gsRate/100),2,numPay1);
var compFact = calcCompFact(amortMon,intFact,numPay2);
var solvePay = calcPay(mortgage,intFact,compFact)*1.0;
if(solvePaynewRate){
var chkDif = gsRate-newRate;}
else{
var chkDif = newRate-gsRate;}
if(chkDif<0.001||chkPay<0.01){
break;}
}
return gsRate;
}
else {
return 0;
}
}
//-----------------------------------------------
function calcNumPay(freq,n){
if(n==1){
var numD = 365;
}
if(n==2){
var numD = 365.25;
}
if(freq==0){
return 12;
}
if(freq==1){
return 24;
}
if(freq==2){
return (numD/14);
}
if(freq==3){
return (numD/7);
}
}
//------------------------------------
/* SAVES COOKIE CONTAINING DATA TO BE USED IN AMORTIZATION SCHEDULE */
function quickCook(mortgage,payment,intFact,numPay2,baseRevAm,intRate,accel,lumpAmt,lumpTime,incpayAmt,incpayType,incpayTime,whatyear)
{
if (whatyear == -1 ){
var timeKindA = 0;
}else{
whatyear = 0;
var timeKindA = 1;
}
var pdData = " " ;
var pdData = pdData + '`' + mortgage + '`' + payment + '`' + intFact + '`' + numPay2 + '`' + baseRevAm + '`' + 0 + '`' + 0 + '`' + 3 + '`' + timeKindA + '`' +intRate + '`' + accel + '`' + whatyear + '`' +lumpAmt+ '`' +lumpTime+ '`' +incpayAmt+ '`' +incpayType+ '`' +incpayTime;
document.cookie = pd +"=" + escape(pdData) +";path=/" ;
}
//------------------------------------
function prepayCook(startLump,startLumpT,timeLump,incrLump,incrLumpT)
{
var preyears = document.prpaycalc.LUMPYRS.value*1.0;
var expire = new Date ();
expire.setTime (expire.getTime() + (numDays * 24 * 3600000));/* 2 MONTHS */
var ppData = " ";
var ppData = ppData + '`' + startLump + '`' + startLumpT + '`' + timeLump + '`' + incrLump + '`' + incrLumpT;
document.cookie = ppd +"=" + escape(ppData) +"; expires=" + expire.toGMTString()+"; path=/" ;
}
//------------------------------------
/* 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 controlCompute(n,x)
{
if(navigator.appVersion.substring(0,3) == 2.0 && navigator.appName.substring(0,8)=="Netscape" && navigator.appVersion.indexOf("Macintosh")>=0){
if(validResults()==true){
setTimeout("computeResults(n,0)",200);
if(x==1){
saveWin();
}
}
}
else{
if(validResults()==true){
computeResults(n,0);
if(x==1){
saveWin();
}
}
}
}
//------------------------------------
function saveWin()
{
if(versTest() == true||nineTest()==true){
sw=window.open('prepay_save.html','savings','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"){
sw.focus();
}
}
else{
location.href='privilege.html';
}h
}
//------------------------------------
function controlMortgage(n)
{
if(navigator.appVersion.substring(0,3) == 2.0 && navigator.appName.substring(0,8)=="Netscape" && navigator.appVersion.indexOf("Macintosh")>=0){
if(validResults()==true){
setTimeout("calcMortgage(3)",200);
if(n==1){
controlCompute(1,0);
}
}
}
else{
if(validResults()==true){
calcMortgage(3);
if(n==1){
controlCompute(1,0);
}
}
}
}
//------------------------------------
function validLumps(field)
{
doSum(field);
return true;
}
//------------------------------------
//FUNCTION CALCULATES MISSING ELEMENT IN MORTGAGE SCENARIO
function calcMortgage(calcField){
var py = document.prpaycalc;
//make sure that the other 3 fields are filled in
if(py.MORTAMT.value.length == 0 && calcField != 0){
alert ("You must answer Question 1 in order to compute this field.");
} else if (py.RATE.value.length == 0 && calcField != 1){
alert ("You must answer Question 2 in order to compute this field.");
} else if (py.NAMORTY.value.length == 0 && py.NAMORTM.value.length == 0 && calcField != 2){
alert ("You must answer Question 3 in order to compute this field.");
} else if (py.MAINPAY.value.length == 0 && calcField != 3){
alert ("You must answer Question 4 in order to compute this field.");
} else {
//DECLARE VARIABLES FOR KNOWN INFO
if(calcField!=0){var mortgage = py.MORTAMT.value*1.0;}
if(calcField!=1){var intRate = (py.RATE.value*1.0)/100;}
if(calcField!=2){var amortMon =(py.NAMORTM.value*1.0)+(py.NAMORTY.value*1.0*12);}
if(calcField!=3){var payment = py.MAINPAY.value*1.0;}
var accel = py.ACCSEL.selectedIndex*1.0;
var payFreq = py.PFREQ.selectedIndex*1.0;
var compFreq = 2;
var numPay1 = calcNumPay(payFreq,1);
var numPay2 = calcNumPay(payFreq,2);
//SOLVE FOR MORTGAGE AMOUNT
if(calcField==0){
if(accel==1){
var regPayment = calcReverseAccel(payment,numPay1);
var mortgage = calcMtgAmount(calcIntFact(intRate,compFreq,12),regPayment,amortMon);
}
if(accel==0){
var initialAmPays = Math.floor((amortMon/12)*numPay2);
var intFact = calcIntFact(intRate,compFreq,numPay1);
var mortgage = calcMtgAmount(intFact,payment,initialAmPays);
}
py.MORTAMT.value=roundReg(mortgage);
}
//SOLVE FOR INTEREST RATE
if(calcField==1){
if(accel==1){
var regPayment = calcReverseAccel(payment,numPay1);
var intRate = calcRate(mortgage,amortMon,numPay1,numPay2,regPayment);}
if(accel==0){
var intRate = calcRate(mortgage,amortMon,numPay1,numPay2,payment);
}
// py.RATE.value=intRate;
py.RATE.value=(Math.round(intRate*1000)/1000);
}
//SOLVE FOR AMORTIZATION PERIOD
if(calcField==2){
if(accel==1){
var regPayment = calcReverseAccel(payment,numPay1);
var amortMon2 = calcAmort(mortgage,regPayment,calcIntFact(intRate,compFreq,12));
var initAmortMon = Math.round((amortMon2/12)*12);
}
if(accel==0){
var intFact = calcIntFact(intRate,compFreq,numPay1);
var amortMon2 = calcAmort(mortgage,payment,intFact);
var initAmortMon = Math.round((amortMon2/numPay2)*12);
}
py.NAMORTM.value = initAmortMon % 12;
py.NAMORTY.value = Math.floor(initAmortMon/12);
}
//SOLVE FOR MORTGAGE PAYMENT
if(calcField==3){
if(accel==1){
var monIntFact = calcIntFact(intRate,compFreq,12);
var monCompFact = calcCompFact(amortMon,monIntFact,12);
var monPayment = calcPay(mortgage,monIntFact,monCompFact);
var payment = calcAccelPay(monPayment,numPay1);}
if(accel==0){
var intFact = calcIntFact(intRate,compFreq,numPay1);
var compFact = calcCompFact(amortMon,intFact,numPay2);
var payment = calcPay(mortgage,intFact,compFact);
}
py.MAINPAY.value=roundReg(payment);
}
}
}