/* pmf1.js */
pd = 'paydata'; /* saving calculator data */
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){
if(msTest() == true){
var winNam = '';
}else{
var slash = location.href.lastIndexOf("/")+1;
var filNam = location.href.substring(0,slash);
var winNam = filNam+'empty.asp';
}
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('\nPay Your Mortgage Off Faster');
fix.document.write('\n\n\n');
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(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 != '.') {
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(quest,input,min,max,msage){
doSum(input);
return (checkNumber(quest,input,min,max,msage));
}
/* returns the selected index value of select lists in the calculator to be
used in calculations */
function getIndex(n){
return n.selectedIndex;
}
function calcRdefine(intrate,compound, freq){
return Math.pow((1.0 + ((intrate / 100) / compound)),(compound/freq)) - 1.0;
}
function calcBal(mortgage,intrate,compound,freq,payment,term){
rdefine = calcRdefine(intrate,compound, freq);
return (mortgage * (Math.pow((1.0 + rdefine),(term)))) - ((payment * ((Math.pow((1.0 + rdefine),(term))) - 1.0))/rdefine);
}
/* rounds off monetary numbers to two decimals (pennies) */
function roundPen(n){
if(n > 0){
pennies = n * 100;
pennies = Math.round(pennies);
strPennies = "" + pennies;
len = strPennies.length;
return strPennies.substring(0, len - 2) + "." + strPennies.substring(len - 2, len);
}else{
return 0;
}
}
/* this function calculates the loan to value ratio */
function LTVcalc(MORTGAGE, MORTGAGE2, APPRAISE){
return (MORTGAGE/APPRAISE) + (MORTGAGE2/APPRAISE);
}
function Ratios(PAY1, PAY2, HEAT, TAX, DEBT, INCOME){
return (PAY1/INCOME)+(PAY2/INCOME)+(HEAT/INCOME)+(TAX/INCOME)+(DEBT/INCOME);
}
/* this function calculates the monthly mortgage payment based on the user's input */
function calcPay(MORTGAGE, AMORTYEARS, INRATE, COMPOUND, FREQ){
var compound = COMPOUND / 12;
var monTime = (AMORTYEARS * 12);
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);
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;
}
}
function retTerm(n){
if(n == 0){
return 0;
}
if(n == 1){
return 6;
}
if(n == 2){
return 12;
}
if(n == 3){
return 24;
}
if(n == 4){
return 36;
}
if(n == 5){
return 60;
}
if(n == 6){
return 84;
}
if(n == 7){
return 120;
}
if(n == 8){
return 300;
}
}
function retFreq(n){
if(n == 0){
return 0;
}
if(n == 1){
return 12;
}
if(n == 2){
return 24;
}
if(n == 3){
return 26;
}
if(n == 4){
return 52;
}
}
function calcTotal(MORTGAGE, LTV){
if(LTV > .75 && LTV <= .80){
return MORTGAGE * 1.0125;
}
if(LTV > .80 && LTV <= .85){
return MORTGAGE * 1.02;
}
if(LTV > .80){
return MORTGAGE * 1.025;
}
if(LTV <= .75){
return MORTGAGE
}
}
/* saves cookie containing data to be used in amortization schedule */
function quickCook(MTGAMT,AMORTYEARS,RATE,TERM,FREQ,WHATYEAR){
if (WHATYEAR && WHATYEAR == -1 ){
var timeKindA = 0;
}else{
WHATYEAR = 0;
var timeKindA = 1;
}
var AMORTPMT = calcPay(MTGAMT, AMORTYEARS, RATE, 2, FREQ);
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) + '`' + 0 + '`' + 0 + '`' + (TERM / 12) + '`' + timeKindA + '`' + RATE * 1.0 / 100 + '`' + 0 + '`' + WHATYEAR + '`' + 0 + '`' + 0 + '`' + 0 + '`' + 0 + '`' + 0;
document.cookie = pd + "=" + escape(pdData) +"; expires=" + expire.toGMTString()+"; path=/" ;
}
/* 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(form,year){
if(document.paycalculator.desterm.selectedIndex == 0){
fixpro('Mortgage Term:','You have not answered this question, click on the PLEASE CHOOSE button to select your option.');
return false;
}
if(document.paycalculator.pfreq.selectedIndex == 0){
fixpro('Payment Frequency:','You have not answered this question, click on the PLEASE CHOOSE button to select your option.');
return false;
}
if((document.paycalculator.namortyears.value < 0 || document.paycalculator.namortyears.value > 40)){
fixpro('Amortization Period - Years:','Please enter a number between 0 and 40.');
return false;
}
if((document.paycalculator.mortamt.value == null|| document.paycalculator.mortamt.value.length == 0)|| (document.paycalculator.mortamt.value <10000|| document.paycalculator.mortamt.value > 1000000) ){
fixpro('Mortgage Amount:','Please enter a number between 10000 and 1000000.');
return false;
}
if((document.paycalculator.rate.value == null || document.paycalculator.rate.value.length == 0)||(document.paycalculator.rate.value < 2 || document.paycalculator.rate.value > 25)){
fixpro('Interest Rate:','Please enter a number between 2.0 and 25.0.');
return false;
} // + document.paycalculator.namortmonths.value
if(retTerm(document.paycalculator.desterm.selectedIndex) > (document.paycalculator.namortyears.value*12)){
fixpro('Mortgage Term:','The selected mortgage term is greater than the amortization period entered. Increase the amortization period or choose a shorter mortgage term.');
return false;
}
term = retTerm(document.paycalculator.desterm.selectedIndex);
freq = retFreq(document.paycalculator.pfreq.selectedIndex);
amortyears = document.paycalculator.namortyears.value;
mortgageA = document.paycalculator.mortamt.value;
intrate = document.paycalculator.rate.value;
var payment = calcPay(mortgageA, amortyears, intrate, 2, freq);
var intFact = Math.pow((1 + (intrate / 100) / 2),(2 / freq)) - 1;
// need to determin the number of payments so we can correctly determin the Amortization period
// and the remaing balance
var principalBal = mortgageA;
var aYear = 0;
var annualCount = 1;
var year1 = 0;
var year2 = 0;
var year3 = 0;
var year5 = 0;
var year10 = 0;
var year25 = 0;
for(payAdd = 1; principalBal > 0; payAdd++){
var checkLump = 0;
var printPayments = Math.ceil(1 / freq);// expressed in Years
var printYear = printPayments * freq;// expressed in Payments
// 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) * 1.0;
var principalPayment = roundPen(payment - interestPayment) * 1.0;
var checkBal = (principalPayment > principalBal) ? principalBal : principalPayment;
var principalBal = roundPen(principalBal - checkBal) * 1.0;
// lumpsum payment if requested
if(aYear == 1 && 0 >= annualCount){
var checkLump = (lumpAmt > principalBal) ? principalBal : lumpAmt;
var principalBal = roundPen(principalBal - checkLump) * 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;
}
if((payAdd / freq) == 1){
year1 = principalBal;
} else if((payAdd / freq) == 2){
year2 = principalBal;
} else if((payAdd / freq) == 3){
year3 = principalBal;
} else if((payAdd / freq) == 5){
year5 = principalBal;
} else if((payAdd / freq) == 10){
year10 = principalBal;
} else if((payAdd / freq) == 25){
year25 = principalBal;
}
}
var totalYears = (payAdd - 1) / freq;
form.newamortyears.value = Math.floor(totalYears);;
form.mainpay.value = '$' + addCommas(roundPen(payment));
form.mainyr1.value = '$' + addCommas(roundPen(year1));
form.mainyr2.value = '$' + addCommas(roundPen(year2));
form.mainyr3.value = '$' + addCommas(roundPen(year3));
form.mainyr5.value = '$' + addCommas(roundPen(year5));
form.mainyr10.value = '$' + addCommas(roundPen(year10));
form.mainyr25.value = '$' + addCommas(roundPen(year25));
quickCook(mortgageA,amortyears,intrate,term,freq,year);
return true;
}
/* loads the amortization schedule file once it is certain that all values
entered into the form are correct. */
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)){
var timere = compute(document.forms['paycalculator'],whatyear);
if(timere == true){
setTimeout("document.form2.submit()",100);
}
}else{
if(compute(document.forms['paycalculator'],whatyear) == true){
document.form2.submit();
}
}
}
function amortonLink(){
if(compute(document.forms['paycalculator'])==true){
document.form2.submit();
return false;
}else{
return false;
}
}
function payBal(){
if(navigator.appVersion.substring(0,3) == 2.0 && navigator.appName.substring(0,8)=="Netscape" && navigator.appVersion.indexOf("Macintosh")>=0){
setTimeout("compute(document.forms['paycalculator'])",200);
}else{
compute(document.forms['paycalculator']);
}
}