//*******************************************
//DO NOT REMOVE THIS COPYWRITE INFO!
//Loan Payment Calculator with Amortization Schedule V1
//1998 Daniel C. Peterson ALL RIGHTS RESERVED
//Created: 08/22/1998
//Last Modified: 05/24/2002
//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 #:5701-1239-35-1200
//Commercial Licence Date:2008-09-19
//*******************************************




function stripNum(num) {

   num=num.toString();


   var len = num.length;
   var rnum = "";
   var test = "";
   var j = 0;

   var b = num.substring(0,1);
   if(b == "-") {
      rnum = "-";
   }

   for(i = 0; i <= len; i++) {

      b = num.substring(i,i+1);

      if(b == "0" || b == "1" || b == "2" || b == "3" || b == "4" || b == "5" || b == "6" || b == "7" || b == "8" || b == "9" || b == ".") {
         rnum = rnum + "" + b;

      }

   }

   if(rnum == "" || rnum == "-") {
      rnum = 0;
   }

   rnum = Number(rnum);

   return rnum;

}


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) {

var alert_txt = "";

if(form.principal.value == "" || form.principal.value == 0) {
   alert("Please enter the principal balance of your current mortgage.");
   form.principal.focus();
   } else
      if(form.interest.value == "" || form.interest.value == 0) {
      alert("Please enter the interest rate of your current mortgage.");
      form.interest.focus();
   } else
      if(form.origPmt.value == "" || form.origPmt.value == 0) {
         alert_txt = "Please enter your current monthly mortgage payment ";
         alert_txt += "(principal and interest portion only).";
         alert(alert_txt);
         form.origPmt.focus();
   } else
      if(form.noYears.value == "" || form.noYears.value == 0) {
         alert_txt = "Please enter the number of years you would ";
         alert_txt += "like to pay off your mortgage in.";
         alert(alert_txt);
      form.noYears.focus();
   } else {

var Vprincipal = stripNum(form.principal.value);
var i = stripNum(form.interest.value);

    if (i >= 1.0) {

//				i=Math.round(i*10)/10   // returns 28.5  original number 28.45
        i = i / 100.0;

    }

     i /= 12;

VnoYears = stripNum(form.noYears.value);
VorigPmt = stripNum(form.origPmt.value);

var noMonths = VnoYears * 12;

var pow = 1;

    for (var j = 0; j < noMonths; j++)

        pow = pow * (1 + i);

var newPmt = (Vprincipal * pow * i) / (pow - 1);

if(newPmt <= VorigPmt) {
   alert_txt = "Given the terms you entered your mortgage is already scheduled ";
   alert_txt += "to be paid off in less than " + VnoYears + " years.";
   alert(alert_txt);
   return;

} else {

   var VpmtAdd = eval(newPmt) - eval(VorigPmt);

   form.pmtAdd.value = "$" + formatNumber(VpmtAdd);

   var prin = stripNum(form.principal.value);
   var count = 0;
   var prinPort = 0;
   var intPort = 0;
   var accumInt = 0;
   var pmt = stripNum(form.origPmt.value);

   while(eval(prin) > eval(pmt)) {
      intPort = prin * i;
      accumInt = eval(accumInt) + eval(intPort)
      prinPort = eval(pmt) - eval(intPort);
      prin = eval(prin) - eval(prinPort);
      count = eval(count) + eval(1);

         if(count > 600) {
            alert_txt = "At the terms you entered your mortgage will never be paid off. Please ";
            alert_txt += "either decrease the principal or increase the monthly payment amount.";
            alert(alert_txt);
            clearResults(form);
            return;
            break;
         }
      }


   var VorigInt = accumInt;
   var VnewInt = (eval(newPmt * noMonths)) - eval(Vprincipal);
   var VintSave = eval(VorigInt) - eval(VnewInt);

   form.intSave.value = "$" + formatNumber(VintSave);

   var Vresults = "If you would like to pay off your mortgage ";
Vresults += "in " + VnoYears + " years instead of the ";
Vresults += "current " + formatNumber(count / 12) + " years, you will ";
Vresults += "need to start sending in extra funds ";
Vresults += "in the amount of $" + formatNumber(VpmtAdd) + ". This will ";
Vresults += "cut your current mortgage interest cost ";
Vresults += "from $" + formatNumber(accumInt) + " down ";
Vresults += "to $" + formatNumber(VnewInt) + ", a savings ";
Vresults += "of $" + formatNumber(VintSave) + " in interest charges.";

   form.results.value = Vresults;

   }

  }

}

function clearResults(form) {

   form.pmtAdd.value = "";
   form.intSave.value = "";
   form.results.value = "";

}




function GoUrl(s) {
   var d = s.options[s.selectedIndex].value;
   window.top.location.href = d;
   s.selectedIndex=0;
}




function clearSearchField(form) {

document.search_form.search_text.value = "";
document.search_form.search_text.focus();

}