qk = 'quickdata'; /* 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 + 'maxem.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('OME');
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 * 1.01;
}
if (LTV > .80 && LTV <= .85) {
return MORTGAGE * 1.0175;
}
if (LTV > .80) {
return MORTGAGE * 1.02;
}
if (LTV <= .75) {
return MORTGAGE
}
}
/* SAVES COOKIE CONTAINING DATA TO BE USED IN AMORTIZATION SCHEDULE */
function quickCook(MTGAMT, AMORT, RATE, TERM, FREQ) {
var expire = new Date();
expire.setTime(expire.getTime() + (numDays * 24 * 3600000));/* 2 MONTHS */
var qkData = " ";
qkData = qkData + '`' + MTGAMT + '`' + AMORT + '`' + RATE + '`' + TERM
+ '`' + FREQ;
document.cookie = qk + "=" + escape(qkData) + "; 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(
'Question 1: (Mortgage Term)',
'You have not answered this question, click on the PLEASE CHOOSE button to select your option.');
return false;
}
if (document.paycalc.PFREQ.selectedIndex == 0) {
fixpro(
'Question 2: (Payment Frequency)',
'You have not answered this question, click on the PLEASE CHOOSE 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('Question 3: (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 > 1000000000)) {
fixpro('Question 4: (Mortgage Amount)',
'Please enter a number between 10000 and 1000000000.');
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('Question 5: (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(
'Question 1: (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;
}
/*
* 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
}
/*
* 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.form2.submit()", 100);
}
} else {
if (compute(document.forms[0]) == true) {
document.form2.submit();
}
}
}
function amortonLink() {
if (compute(document.forms[0]) == 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[0])", 200);
} else {
compute(document.forms[1]);
}
}
function browTest() {
if ((navigator.appVersion.substring(0, 3) == 3.0 || navigator.appVersion
.substring(0, 3) == 4.0)
&& navigator.appName.substring(0, 8) == "Netscape") {
return true;
} else {
return false;
}
}
function makeImg() {
if (browTest() == true) {
Img = new Image();
Img.src = "graphics/back_on.gif";
document.images.Back_button.src = Img.src;
} else {
}
}
function clearImg() {
if (browTest() == true) {
OrImg = new Image();
OrImg.src = "graphics/back_off.gif";
document.images.Back_button.src = OrImg.src;
} else {
}
}
function loadImg() {
if (browTest() == true) {
Img = new Image();
Img.src = "graphics/back_on.gif"
} else {
}
}