pd = 'paydata'; /* SAVING CALCULATOR DATA */
numDays = 60; /* DAYS UNTIL COOKIE EXPIRES (EG. 183 DAYS = 6 MONTHS) */
/* 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.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(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 = "Question " + quest + ": ("+ 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);
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, AMORT, INRATE, COMPOUND, FREQ)
{
var compound = COMPOUND / 12;
var monTime = AMORT * 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 || FREQ==24){return PAYMENT/2.0;}
if (FREQ==52){return PAYMENT/4.0;}
}
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;}
}
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,AMORT,RATE,TERM,FREQ)
{
var AMORTPMT = calcPay(MTGAMT, AMORT, 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 + '`' + (AMORT*FREQ) + '`' + 0 + '`' + 0 +'`' + 3 + '`' + 1 + '`' + RATE*1.0/100 + '`' + 0 + '`' + 0 + '`' + 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)
{
if(document.paycalc.desterm.selectedIndex == 0)
{
fixpro('Mortgage Term','You have not answered this question, click on the "Select..." button to select your option.');
return false;
}
if(document.paycalc.PFREQ.selectedIndex == 0)
{
fixpro('Payment Frequency','You have not answered this question, click on the "Select..." button to select your option.');
return false;
}
if((document.paycalc.NAMORT.value == null || document.paycalc.NAMORT.value.length == 0)|| (document.paycalc.NAMORT.value < 1 || document.paycalc.NAMORT.value > 40))
{
fixpro('Amortization Period','Please enter a number between 1 and 40.');
return false;
}
if((document.paycalc.mortamt.value == null|| document.paycalc.mortamt.value.length == 0)|| (document.paycalc.mortamt.value <10000|| document.paycalc.mortamt.value > 1000000) )
{
fixpro('Mortgage Amount','Please enter a number between 10000 and 1000000.');
return false;
}
if((document.paycalc.rate.value == null || document.paycalc.rate.value.length == 0)||(document.paycalc.rate.value < 2 || document.paycalc.rate.value > 25))
{
fixpro('Interest Rate','Please enter a number between 2.0 and 25.0.');
return false;
}
if(retTerm(document.paycalc.desterm.selectedIndex) / 12 > document.paycalc.NAMORT.value)
{
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.paycalc.desterm.selectedIndex);
freq = retFreq(document.paycalc.PFREQ.selectedIndex);
amort = document.paycalc.NAMORT.value;
mortgage = document.paycalc.mortamt.value;
intrate = document.paycalc.rate.value;
var payment = calcPay(mortgage, amort, intrate, 2, freq);
form.mainpay.value = '$' + roundPen(payment);
form.mainyr1.value = '$' + roundPen(calcBal(mortgage,intrate,2,freq,payment,(12/(12/freq))));
form.mainyr2.value = '$' + roundPen(calcBal(mortgage,intrate,2,freq,payment,(24/(12/freq))));
form.mainyr3.value = '$' + roundPen(calcBal(mortgage,intrate,2,freq,payment,(36/(12/freq))));
form.mainyr5.value = '$' + roundPen(calcBal(mortgage,intrate,2,freq,payment,(60/(12/freq))));
form.mainyr10.value = '$' + roundPen(calcBal(mortgage,intrate,2,freq,payment,(120/(12/freq))));
quickCook(mortgage,amort,intrate,term,freq);
return true;
}
function StringArray(n)
{
this.length = n;
for (var i = 1; i <= n; i++)
this[i] = ''
return this
}
/* LOADS THE AMORTIZATION SCHEDULE FILE ONCE IT IS CERTAIN THAT ALL VALUES ENTERED INTO THE FORM ARE CORRECT. */
function amortLink()
{
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[0]);
if(timere==true)
{
setTimeout("document.form3.submit()",100);
}
}
else
{
if(compute(document.forms[0])==true)
{
document.form3.submit();
}
}
}
function amortonLink()
{
if(compute(document.forms[0])==true)
{
document.form3.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[0])",200);
}
else
{
compute(document.forms[0]);
}
}