pd = 'paydata'; /* SAVING CALCULATOR DATA */
/* THE FOLLOWING TWO FUNCTIONS CHECK THAT ALL NUMERIC VALUES ARE REAL NUMBER AND REMOVE DOUBLE DECIMALS */
function reset_fields(){
document.getElementById('amperiod').options.length=0
document.getElementById('amperiod').options[0]=new Option("select", "0", true, true)
document.getElementById('amperiod').options[1]=new Option("2 years", "2", false, false)
document.getElementById('amperiod').options[2]=new Option("3 years", "3", false, false)
document.getElementById('amperiod').options[3]=new Option("4 years", "4", false, false)
document.getElementById('amperiod').options[4]=new Option("5 years", "5", false, false)
document.getElementById('amperiod').options[5]=new Option("10 years", "10", false, false)
document.getElementById('amperiod').options[6]=new Option("15 years", "15", false, false)
document.getElementById('finterm').options.length=0
document.getElementById('finterm').options[0]=new Option("select", "0", true, true)
document.getElementById('finterm').options[1]=new Option("2 years", "24", false, false)
document.getElementById('finterm').options[2]=new Option("3 years", "36", false, false)
document.getElementById('finterm').options[3]=new Option("4 years", "48", false, false)
document.getElementById('finterm').options[4]=new Option("5 years", "60", false, false)
}
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 dorate(quest,input,min,max,msage){
var calcrate;
var amount = input.value;
var check = checkNumber(quest,input,min,max,msage);
if(check == true){
document.getElementById('mp').value=''
document.getElementById('finterm').options.length=0
document.getElementById('finterm').options[0]=new Option("select", "", false, false)
document.getElementById('finterm').options[1]=new Option("2 years", "24", false, false)
document.getElementById('finterm').options[2]=new Option("3 years", "36", false, false)
document.getElementById('finterm').options[3]=new Option("4 years", "48", false, false)
document.getElementById('finterm').options[4]=new Option("5 years", "60", true, true)
if(amount <= 4999){
calcrate = 9.95;
document.getElementById('amperiod').options.length=0
document.getElementById('amperiod').options[0]=new Option("2 years", "2", false, false)
document.getElementById('amperiod').options[1]=new Option("3 years", "3", false, false)
document.getElementById('amperiod').options[2]=new Option("4 years", "4", false, false)
document.getElementById('amperiod').options[3]=new Option("5 years", "5", true, true)
document.getElementById('finterm').options.length=0
document.getElementById('finterm').options[0]=new Option("select", "", false, false)
document.getElementById('finterm').options[1]=new Option("2 years", "24", false, false)
document.getElementById('finterm').options[2]=new Option("3 years", "36", false, false)
document.getElementById('finterm').options[3]=new Option("4 years", "48", false, false)
document.getElementById('finterm').options[4]=new Option("5 years", "60", true, true)
}
if(amount >= 5000 && amount <= 12499){
calcrate = 8.50;
document.getElementById('amperiod').options.length=0
document.getElementById('amperiod').options[0]=new Option("2 years", "2", false, false)
document.getElementById('amperiod').options[1]=new Option("3 years", "3", false, false)
document.getElementById('amperiod').options[2]=new Option("4 years", "4", false, false)
document.getElementById('amperiod').options[3]=new Option("5 years", "5", false, false)
document.getElementById('amperiod').options[4]=new Option("10 years", "10", true, true)
document.getElementById('finterm').options.length=0
document.getElementById('finterm').options[0]=new Option("select", "", false, false)
document.getElementById('finterm').options[1]=new Option("2 years", "24", false, false)
document.getElementById('finterm').options[2]=new Option("3 years", "36", false, false)
document.getElementById('finterm').options[3]=new Option("4 years", "48", false, false)
document.getElementById('finterm').options[4]=new Option("5 years", "60", false, false)
document.getElementById('finterm').options[5]=new Option("10 years", "120", true, true)
}
if(amount >= 12500 && amount <= 200000){
calcrate = 8.15;
document.getElementById('amperiod').options.length=0
document.getElementById('amperiod').options[0]=new Option("2 years", "2", false, false)
document.getElementById('amperiod').options[1]=new Option("3 years", "3", false, false)
document.getElementById('amperiod').options[2]=new Option("4 years", "4", false, false)
document.getElementById('amperiod').options[3]=new Option("5 years", "5", false, false)
document.getElementById('amperiod').options[4]=new Option("10 years", "10", false, false)
document.getElementById('amperiod').options[5]=new Option("15 years", "15", true, true)
document.getElementById('finterm').options.length=0
document.getElementById('finterm').options[0]=new Option("select", "", false, false)
document.getElementById('finterm').options[1]=new Option("2 years", "24", false, false)
document.getElementById('finterm').options[2]=new Option("3 years", "36", false, false)
document.getElementById('finterm').options[3]=new Option("4 years", "48", false, false)
document.getElementById('finterm').options[4]=new Option("5 years", "60", false, false)
document.getElementById('finterm').options[5]=new Option("10 years", "120", false, false)
document.getElementById('finterm').options[6]=new Option("15 years", "180", true, true)
}
document.paycalc.rate.value = calcrate;
} else {
return false;
}
}
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){
//alert(COMPOUND);
//alert(AMORT);
var COMPOUND = COMPOUND/12;
var monTime = AMORT * 12;
var J= INRATE/1200;
var LT= 1 - Math.pow((1 + J),-monTime)
var MT=J/LT;
var M= MORTGAGE * MT
return M;
//alert(J);
//alert(LT);
//alert (MT);
//alert (M);
var RATE = (INRATE*1.0)/100;
var yrRate = RATE/COMPOUND;
alert(RATE);
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){
alert(PAYMENT);
return PAYMENT;}
if(FREQ==26||FREQ==24){
return PAYMENT/2.0;}
if(FREQ==52){
alert(PAYMENT/4.0);
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&<V<=.80){
return MORTGAGE*1.0125;}
if(LTV>.80&<V<=.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));
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('(Finance Term)','You have not selected this field, 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)','You have not selected this field, click on the SELECT button to select your option.');return false;}
if((document.paycalc.mortamt.value == null|| document.paycalc.mortamt.value.length == 0)|| (document.paycalc.mortamt.value <100|| document.paycalc.mortamt.value > 1000000) )
{fixpro('(Finance Amount)','Please enter a number between 100 and 1000000.');return false;}
if((document.paycalc.rate.value == null || document.paycalc.rate.value.length == 0))
{fixpro('(Interest Rate)','Please enter a number');return false;}
if(document.paycalc.desterm.value/12>document.paycalc.NAMORT.value){
fixpro('(Finance Term)','The selected finance term is greater than the amortization period entered. Increase the amortization period or choose a shorter finance term.');return false;}
term = document.paycalc.desterm.value;
freq = document.paycalc.PFREQ.value;
amort = document.paycalc.NAMORT.value;
mortgage = document.paycalc.mortamt.value;
intrate = document.paycalc.rate.value;
if(intrate == 0) intrate = 0.0001;
//alert(mortgage);
//alert(intrate);
//alert(freq);
var payment = calcPay(mortgage, amort, intrate, 2, freq);
//alert (payment);
form.mainpay.value = '$' + roundPen(payment);
form.mainpay7.value = '$' + 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;
}
/* 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 StringArray(n)
{
this.length = n;
for (var i = 1; i <= n; i++)
this[i] = ''
return this
}
function payBal()
{
//alert("hello");
if(document.paycalc.mortamt.value < 3000)
{
alert("Finance Amount must be between 3,000 and 200,000");
return false;
}
if(document.paycalc.mortamt.value > 200000)
{
alert("Finance Amount must be between 3,000 and 200,000");
return false;
}
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]);}
else{compute(document.getElementById('paycalc'));}
}