Mortgage Isolator

'); 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;} }