//*******************************************
//DO NOT REMOVE THIS COPYWRITE INFO!
//Mortgage Qualification Calculator V2
//2001 Daniel C. Peterson ALL RIGHTS RESERVED
//Created: 04/16/2001
//Last Modified: 07/29/2002
//This script may not be copied, edited, distributed or reproduced
//without express written permission from
//Daniel C. Peterson of Web Winder Website Services
//For commercial use rates, contact:
//Dan Peterson:
//Web Winder Website Services
//P.O. Box 11
//Bemidji, MN  56619
//dan@webwinder.com
//http://www.webwinder.com
//Commercial User Licence #:2167-513-62-496
//Commercial Licence Date:2005-01-06
//*******************************************



function stripNum(num) {

var iPercent
var iDollar
var iSpace
var iComma
var numLength = num.length

//lalalla Line #114

if(numLength > 0) {

   num=num.toString();

   iPercent = num.indexOf("%");
   if(iPercent >= 0) {
      num=num.substring(0,iPercent) + "" + num.substring(iPercent + 1,numLength);
      numLength=num.length;
      }
   iDollar = num.indexOf("$");
   if(iDollar >= 0) {
      num=num.substring(0,iDollar) + "" + num.substring(iDollar + 1,numLength);
      numLength=num.length;
      }
   iSpace = num.indexOf(" ");
   if(iSpace >= 0) {
      num=num.substring(0,iSpace) + "" + num.substring(iSpace + 1,numLength);
      numLength=num.length;
      }
   iComma = num.indexOf(",");
   if(iComma >= 0) {
      while(iComma >=1) {
         num=num.substring(0,iComma) + "" + num.substring(iComma + 1,numLength);
         numLength=num.length;
         iComma = num.indexOf(",");
      }
      }

      num = eval(num);


} else {

num = 0;

}

return num;

}




function formatCurrency(num) {

var isNeg=0;

    if(num < 0) {
       num=num*-1;
       isNeg=1;
    }

    
	onum=Math.round(num*100)/100;
		
	integer=Math.floor(onum);

	if (Math.ceil(onum) == integer) {
		decimal="00";
	} else{
		decimal=Math.round((onum-integer)*100)
	}
	decimal=decimal.toString();
	if (decimal.length<2) decimal="0"+decimal;

	integer=integer.toString();
	var tmpnum="";
	var tmpinteger="";
	var y=0;

	for (x=integer.length;x>0;x--) {
		tmpnum=tmpnum+integer.charAt(x-1);
		y=y+1;
		if (y==3 & x>1) {
			tmpnum=tmpnum+",";
			y=0;
		}
	}

	for (x=tmpnum.length;x>0;x--) {
		tmpinteger=tmpinteger+tmpnum.charAt(x-1);
	}
		
	finNum="$"+tmpinteger+"."+decimal;

    if(isNeg == 1) {
       finNum = "-" + finNum;
    }

	return finNum;
}




function formatNumber(num) {

var isNeg=0;

    if(num < 0) {
       num=num*-1;
       isNeg=1;
    }

    
	onum=Math.round(num*100)/100;
		
	integer=Math.floor(onum);

	if (Math.ceil(onum) == integer) {
		decimal="00";
	} else{
		decimal=Math.round((onum-integer)*100)
	}
	decimal=decimal.toString();
	if (decimal.length<2) decimal="0"+decimal;

	integer=integer.toString();
	var tmpnum="";
	var tmpinteger="";
	var y=0;

	for (x=integer.length;x>0;x--) {
		tmpnum=tmpnum+integer.charAt(x-1);
		y=y+1;
		if (y==3 & x>1) {
			tmpnum=tmpnum+",";
			y=0;
		}
	}

	for (x=tmpnum.length;x>0;x--) {
		tmpinteger=tmpinteger+tmpnum.charAt(x-1);
	}
		
	finNum=tmpinteger+"."+decimal;

    if(isNeg == 1) {
       finNum = "-" + finNum;
    }

	return finNum;
}


function computeForm(form) {

//get loan variables


var VpurchaseAmt = stripNum(form.purchaseAmt.value);
if(VpurchaseAmt == "" || VpurchaseAmt == 0) {
   VpurchaseAmt = 60000;
   }

var VdownPayPercAmt = stripNum(form.downPayPercAmt.value);
var VdownPayAmt = 0;
var VdownPayMethod = form.downPayMethod.selectedIndex;
if(VdownPayMethod == 0) {
//CONVERT FRACTION TO DECIMAL POINT IF NECESSARY
   if(VdownPayPercAmt >= 1) {
      VdownPayPercAmt /= 100;
      }
   VdownPayAmt = VdownPayPercAmt * VpurchaseAmt;
   } else {
   VdownPayAmt = VdownPayPercAmt;
   }

if(VdownPayAmt < 1) {
   VdownPayAmt = 0;
   }
form.downPayAmt.value = formatNumber(VdownPayAmt);

//CALCULATE LOAN AMOUNT
var VloanAmt = 0;
var VloanAmt = eval(VpurchaseAmt) - eval(VdownPayAmt);
form.loanAmt.value = formatNumber(VloanAmt);

//ADD LOAN AMOUNT TO HIDDEN AMORT FIELD
form.Hprincipal.value = VloanAmt;

//GET INTEREST RATE AND CONVERT TO FRACTION IF NEC
var VintRate = stripNum(form.intRate.value);
if(VintRate == "" || VintRate == 0) {
   VintRate = 8;
   }
if(VintRate >= 1) {
   VintRate /= 100;
   }
VintRate /= 12;

//GET YEARS AND CONVERT TO MONTHS
var VnoYears = stripNum(form.noYears.value);
var VnoMonths = VnoYears * 12;

//ADD NPER TO HIDDEN AMORT FIELD
form.HaNPer.value = VnoMonths;

//COMPUTE PRINCIPAL AND INTEREST MONTHLY PAYMENT AMOUNT
var factor = 1;
for (var j = 0; j < VnoMonths; j++) {
   factor = factor * (eval(1) + eval(VintRate));
   }
var VpmtPI = (VloanAmt * factor * VintRate) / (eval(factor) - eval(1));

//form.pmtPI.value = VloanAmt;
form.pmtPI.value = formatNumber(VpmtPI);

//ADD PAYMENT TO HIDDEN AMORT FIELD
form.HmoPmt.value = VpmtPI;

//COMPUTE MONTHLY PROPERTY TAX PAYMENT
var VpropTaxPercAmt = stripNum(form.propTaxPercAmt.value);
var VpropTaxAmt = 0;
var VpropTaxMethod = form.propTaxMethod.selectedIndex;
if(VpropTaxMethod == 0) {
   VpropTaxPercAmt /= 100;
   VpropTaxAmt = VpropTaxPercAmt * VpurchaseAmt;
   } else {
   VpropTaxAmt = VpropTaxPercAmt;
   }

if(VpropTaxAmt / 12 < 1) {
   VpropTaxAmt = 0;
   } else {
   VpropTaxAmt = parseInt(VpropTaxAmt / 12,10);
   }

form.propTaxAmt.value = formatNumber(VpropTaxAmt);

//COMPUTE MONTHLY INSURANCE PAYMENT
var VinsPercAmt = stripNum(form.insPercAmt.value);
var VinsAmt = 0;
var VinsMethod = form.insMethod.selectedIndex;
if(VinsMethod == 0) {
   VinsPercAmt /= 100;
   VinsAmt = VinsPercAmt * VpurchaseAmt;
   } else {
   VinsAmt = VinsPercAmt;
   }

if(VinsAmt / 12 < 1) {
   VinsAmt = 0;
   } else {
   VinsAmt = parseInt(VinsAmt / 12,10);
   }

form.insAmt.value = formatNumber(VinsAmt);

//COMPUTE PRIVATE MORTGAGE INSURANCE (PMI) PAYMENT
var VpmiPercAmt = stripNum(form.pmiPercAmt.value);
var VpmiAmt = 0;
var VpmiMethod = form.pmiMethod.selectedIndex;
if(VpmiMethod == 0) {
   VpmiPercAmt /= 100;
   VpmiAmt = VpmiPercAmt * VpurchaseAmt;
   } else {
   VpmiAmt = VpmiPercAmt;
   }

if(VpmiAmt / 12 < 1) {
   VpmiAmt = 0;
   } else {
   VpmiAmt = parseInt(VpmiAmt / 12,10);
   }

form.pmiAmt.value = formatNumber(VpmiAmt);

//GET MONTHLY ASSOCIATION FEES
VassocAmt = stripNum(form.assocAmt.value);
if(VassocAmt == "" || VassocAmt == 0) {
   VassocAmt = 0;
   form.assocAmt.value = 0;
   }

//COMPUTE MONTHLY PITI (PRIN, INT, TAX, INS)
var VpmtPITI = eval(VpmtPI) + eval(VpropTaxAmt) + eval(VinsAmt) + eval(VassocAmt);

form.pmtPITI.value = formatNumber(VpmtPITI);

//COMPUTE TAX DEDUCTABLE PORTION OF PAYMENT
var VintDeduct = VintRate * VloanAmt;
var VpropTaxDeduct = VinsAmt;
var VdeductAmt = eval(VintDeduct) + eval(VpropTaxDeduct);
form.deductAmt.value = formatNumber(VdeductAmt);

//GET GROSS PAY AND CONVERT TO MONTHLY
var VgrossPay = stripNum(form.grossPay.value);
if(form.payMethod.selectedIndex == 0) {
   var VmoPay = VgrossPay / 12;
   } else {
   var VmoPay = VgrossPay;
   }

//GET MONTHLY DEBTS
var VmoDebts = stripNum(form.moDebts.value);
if(VmoDebts == "" || VmoDebts == 0) {
   VmoDebts = 0;
   form.moDebts.value = 0;
   }

//CALCULATE PITI TO MONTHLY INCOME RATIO (28% max)
var VratioIncome = VpmtPITI / VmoPay;
if(VratioIncome < .01) {
   form.ratioIncome.value = formatNumber(VratioIncome *100) + "%";
   } else {
   form.ratioIncome.value = formatNumber(VratioIncome *100) + "%";
   }

//CALCULATE PITI + DEBT TO MONTHLY INCOME RATIO (36% max)
var VratioDebt = (eval(VpmtPITI) + eval(VmoDebts)) / VmoPay ;
if(VratioDebt < .01) {
   form.ratioDebt.value = formatNumber(VratioDebt * 100) + "%";
   } else {
   form.ratioDebt.value = formatNumber(VratioDebt * 100) + "%";
   }

//CALCULATE MAXIMUM LOAN AMOUNT
var VmaxPmtIncome = VmoPay * .28;
var VmaxPmtDebt = eval(VmoPay  * .36) - eval(VmoDebts);

if(VmaxPmtIncome > VmaxPmtDebt) {
   var maxPmt = eval(VmaxPmtDebt) - (eval(VpropTaxAmt) + eval(VinsAmt) + eval(VassocAmt));
   var prin = eval(VmaxPmtDebt ) - eval(eval(VmaxPmtDebt  * VintRate));
   var intPort = 0;
   var prinPort =0;
   var count = 1;

   while(count < VnoMonths) {
      intPort = prin * VintRate;
      prinPort = eval(maxPmt) - eval(intPort);
      prin = eval(prin) + eval(prinPort);
      count = count + 1;
      if(count > 360) {break; } else {continue; }
      }

   var VmaxLoanAmt = prin;
   if(VmaxLoanAmt < 0) {
      form.qualifyMax.value =  0;
      } else {
      form.qualifyMax.value = formatNumber(VmaxLoanAmt);
      }
   } else {
   var maxPmt = eval(VmaxPmtIncome) - eval(eval(VpropTaxAmt) + eval(VinsAmt) + eval(VassocAmt));
   var prin = eval(VmaxPmtIncome) - (eval(VmaxPmtIncome  * VintRate));
   var intPort = 0;
   var prinPort =0;
   var count = 1;

   while(count < VnoMonths) {
      intPort = prin * VintRate;
      prinPort = eval(maxPmt) - eval(intPort);
      prin = eval(prin) + eval(prinPort);
      count = count + 1;
      if(count > 360) {break; } else {continue; }
      }

   var VmaxLoanAmt = prin;
   if(VmaxLoanAmt < 0) {
      form.qualifyMax.value =  0;
      } else {
      form.qualifyMax.value = formatNumber(VmaxLoanAmt);
      }
   }


//DETERMINE IF QUALIFY
if(VratioIncome > .28 || VratioDebt > .36) {
   form.qualifyYN.value = "No";
   } else {
   form.qualifyYN.value = "Yes";
   }

} //End of function


function createReport(form) {

//GRAB VARIABLES

if((form.Hprincipal.value == "" || form.Hprincipal.value == 0) || (form.HmoPmt.value == "" || form.HmoPmt.value == 0) || (form.HaNPer.value == "" || form.HaNPer.value == 0) || (form.intRate.value == "" || form.intRate.value == 0)) {
   alert("Please compute the payment before creating the schedule.");
   } else {

var Vprincipal = stripNum(form.Hprincipal.value);

var VintRate = stripNum(form.intRate.value);

var VnumPmts = stripNum(form.HaNPer.value);

var pmtAmt = stripNum(form.HmoPmt.value);

var prin = Vprincipal;
var Vint = VintRate;
if(Vint >= 1) {
   Vint /= 100;
   }
Vint /= 12;

var nPer = VnumPmts;

var intPort = 0;
var accumInt = 0;
var prinPort = 0;
var accumPrin = 0;
var count = 0;
var pmtRow = "";
var pmtNum = 0;


var today = new Date();
var dayFactor = today.getTime();
var pmtDay = today.getDate();
var loanMM = today.getMonth() + 1;
var loanYY = today.getYear();
if(loanYY < 1900) {
   loanYY += 1900;
}

var loanDate = (loanMM + "/" + pmtDay + "/" + loanYY);
var monthMS = 86400000 * 30.4;
var pmtDate = 0;

var displayPmtAmt = 0;

var accumYearPrin = 0;
var accumYearInt = 0;

while(count < nPer) {

   if(count < (nPer - 1)) {

      intPort = prin * Vint;
      intPort *= 100;
      intPort = Math.round(intPort);
      intPort /= 100;

      accumInt = eval(accumInt) + eval(intPort);
      accumYearInt = eval(accumYearInt) + eval(intPort);

      prinPort = eval(pmtAmt) - eval(intPort);
      prinPort *= 100;
      prinPort = Math.round(prinPort);
      prinPort /= 100;

      accumPrin = eval(accumPrin) + eval(prinPort);
      accumYearPrin = eval(accumYearPrin) + eval(prinPort);

      prin = eval(prin) - eval(prinPort);

      displayPmtAmt = eval(prinPort) + eval(intPort);

   } else {

      intPort = prin * Vint;
      intPort *= 100;
      intPort = Math.round(intPort);
      intPort /= 100;

      accumInt = eval(accumInt) + eval(intPort);
      accumYearInt = eval(accumYearInt) + eval(intPort);

      prinPort = prin;

      accumPrin = eval(accumPrin) + eval(prinPort);
      accumYearPrin = eval(accumYearPrin) + eval(prinPort);

      prin = 0;

      //pmtAmt = eval(intPort) + eval(prinPort);
      displayPmtAmt = eval(prinPort) + eval(intPort);
   }

   count = eval(count) + eval(1);

   pmtNum = eval(pmtNum) + eval(1);

   dayFactor = eval(dayFactor) + eval(monthMS);

   pmtDate = new Date(dayFactor);

   pmtMonth = pmtDate.getMonth();

   pmtMonth = pmtMonth + 1;

   pmtYear = pmtDate.getYear();
   if(pmtYear < 1900) {
      pmtYear += 1900;
   }


   pmtString = (pmtMonth + "/" + pmtDay + "/" + pmtYear);

   pmtRow = ("" + pmtRow + "<tr><td align=right><font face='arial'><small>" + pmtNum + "</small></font></td><td align=right><font face='arial'><small>" + pmtString + "</small></font></td><td align=right><font face='arial'><small>" + formatCurrency(prinPort) + "</small></font></td><td align=right><font face='arial'><small>" + formatCurrency(intPort) + "</small></font></td><td align=right><font face='arial'><small>" + formatCurrency(displayPmtAmt) + "</small></font></td><td align=right><font face='arial'><small>" + formatCurrency(prin) + "</small></font></td></tr>");

   if(pmtMonth == 12 || count == nPer) {

pmtRow = ("" + pmtRow + "<tr bgcolor='#dddddd'><td align=right><font face='arial'><small>Total</small></font></td><td align=left><font face='arial'><small>" + pmtYear + "</small></font></td><td align=right><font face='arial'><small>" + formatCurrency(accumYearPrin) + "</small></font></td><td align=right><font face='arial'><small>" + formatCurrency(accumYearInt) + "</small></font></td><td align=right><font face='arial'><small> </small></font></td><td align=right><font face='arial'><small> </small></font></td></tr>");

   accumYearPrin = 0;
   accumYearInt = 0;

   }

      if(count > 600) {

         alert("Using your current entries you will never pay off this loan.");

         break;

         } else {

         continue;

         }

    }

var part1 = ("<head><title>Amortization Schedule</title></head>" + "<body bgcolor= '#FFFFFF'><br><br><center><font face='arial'><big><strong>Amortization Schedule</strong></big></font></center>");

var part2 = ("<center><table border=1 cellpadding=2 cellspacing=0><tr><td colspan=6><font face='arial'><small><b>Loan Date: " + loanDate + "<br>Principal: $" + formatNumber(Vprincipal) + "<br># of Payments: " + nPer + "<br>Interest Rate: " + formatNumber(VintRate) + "%<br>Payment: $" + formatNumber(pmtAmt) + "</b></small></font></td></tr><tr><td colspan=6><center><font face='arial'><b>Schedule of Payments</b></font><br><font face='arial'><small><small>Please allow for slight rounding differences.</small></small></font></center></td></tr><tr bgcolor='silver'><td align='center'><font face='arial'><small><b>Pmt #</b></small></font></td><td align='center'><font face='arial'><small><b>Date</b></small></font></td><td align='center'><font face='arial'><small><b>Principal</b></small></font></td><td align='center'><font face='arial'><small><b>Interest</b></small></font></td><td align='center'><font face='arial'><small><b>Payment</b></small></font></td><td align='center'><font face='arial'><small><b>Balance</b></small></font></td></tr>");

var part3 = ("" + pmtRow + "");

var part4 = ("<tr><td colspan='2'><font face='arial'><small><b>Grand Total</b></small></font></td><td align=right><font face='arial'><small><b>" + formatCurrency(accumPrin) + "</b></small></font></td><td align=right><font face='arial'><small><b>" + formatCurrency(accumInt) + "</b></small></font></td><td> </td><td> </td></tr></table><br><center><form method='post'><input type='button' value='Close Window' onClick='window.close()'></form></center></body></html>");

var schedule = (part1 + "" + part2 + "" + part3 + part4 + "");

  reportWin = window.open("","","width=500,height=400,toolbar=yes,menubar=yes,scrollbars=yes");

  reportWin.document.write(schedule);

  reportWin.document.close();

   }

}