?iť?
Your IP : 18.118.0.42
<?php
/* Copyright (C) 2002 David Tufts <http://dave.imarc.net>
* Copyright (C) 2014 Alexandre Spangaro <aspangaro.dolibarr@gmail.com>
* Copyright (C) 2015 Frederic France <frederic.france@free.fr>
*
* This program is free software; you can redistribute it and/or modify
* it under the terms of the GNU General Public License as published by
* the Free Software Foundation; either version 3 of the License, or
* (at your option) any later version.
*
* This program is distributed in the hope that it will be useful,
* but WITHOUT ANY WARRANTY; without even the implied warranty of
* MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE. See the
* GNU General Public License for more details.
*
* You should have received a copy of the GNU General Public License
* along with this program. If not, see <http://www.gnu.org/licenses/>.
*/
require '../main.inc.php';
$langs->load("loan");
/* --------------------------------------------------- *
* Set Form DEFAULT values
* --------------------------------------------------- */
$default_sale_price = "150000";
$default_annual_interest_percent = 7.0;
$default_year_term = 30;
$default_down_percent = 10;
$default_show_progress = TRUE;
/* --------------------------------------------------- *
* Initialize Variables
* --------------------------------------------------- */
$sale_price = 0;
$annual_interest_percent = 0;
$year_term = 0;
$down_percent = 0;
$this_year_interest_paid = 0;
$this_year_principal_paid = 0;
$form_complete = false;
$show_progress = false;
$monthly_payment = false;
$show_progress = false;
$error = false;
/* --------------------------------------------------- *
* Set the USER INPUT values
* --------------------------------------------------- */
if (isset($_REQUEST['form_complete'])) {
$sale_price = GETPOST('sale_price');
$annual_interest_percent = GETPOST('annual_interest_percent');
$year_term = GETPOST('year_term');
$down_percent = GETPOST('down_percent');
$show_progress = (isset($_REQUEST['show_progress'])) ? GETPOST('show_progress') : false;
$form_complete = GETPOST('form_complete');
}
// This function does the actual mortgage calculations
// by plotting a PVIFA (Present Value Interest Factor of Annuity)
// table...
function get_interest_factor($year_term, $monthly_interest_rate) {
global $base_rate;
$factor = 0;
$base_rate = 1 + $monthly_interest_rate;
$denominator = $base_rate;
for ($i=0; $i < ($year_term * 12); $i++) {
$factor += (1 / $denominator);
$denominator *= $base_rate;
}
return $factor;
}
// If the form is complete, we'll start the math
if ($form_complete) {
// We'll set all the numeric values to JUST
// numbers - this will delete any dollars signs,
// commas, spaces, and letters, without invalidating
// the value of the number
$sale_price = preg_replace( "[^0-9.]", "", $sale_price);
$annual_interest_percent = preg_replace( "[^0-9.]", "", $annual_interest_percent);
$year_term = preg_replace( "[^0-9.]", "", $year_term);
$down_percent = preg_replace( "[^0-9.]", "", $down_percent);
if ((float) $year_term <= 0) {
$errors[] = "You must enter a <b>Sale Price of Home</b>";
}
if ((float) $sale_price <= 0) {
$errors[] = "You must enter a <b>Length of Mortgage</b>";
}
if ((float) $annual_interest_percent <= 0) {
$errors[] = "You must enter an <b>Annual Interest Rate</b>";
}
if (!$errors) {
$month_term = $year_term * 12;
$down_payment = $sale_price * ($down_percent / 100);
$annual_interest_rate = $annual_interest_percent / 100;
$monthly_interest_rate = $annual_interest_rate / 12;
$financing_price = $sale_price - $down_payment;
$monthly_factor = get_interest_factor($year_term, $monthly_interest_rate);
$monthly_payment = $financing_price / $monthly_factor;
}
} else {
if (!$sale_price) { $sale_price = $default_sale_price; }
if (!$annual_interest_percent) { $annual_interest_percent = $default_annual_interest_percent; }
if (!$year_term) { $year_term = $default_year_term; }
if (!$down_percent) { $down_percent = $default_down_percent; }
if (!$show_progress) { $show_progress = $default_show_progress; }
}
if (! empty($errors)) {
setEventMessages('', $errors, 'errors');
$form_complete = false;
}
/*
* View
*/
llxHeader();
print load_fiche_titre($langs->trans("LoanCalc"), '', 'title_accountancy.png');
print $langs->trans('LoanCalcDesc');
print '<form method="GET" name="information" action="'.$_SERVER['PHP_SELF'].'">';
print '<input type="hidden" name="form_complete" value="1"><br>';
dol_fiche_head('');
print '<table class="noborder centpercent">';
//print '<tr>';
//print '<td align="right"><img src="/images/clear.gif" width="225" height="1" border="0" alt=""></td>';
//print '<td align="smalltext" width="100%"><img src="/images/clear.gif" width="250" height="1" border="0" alt=""></td>';
//print '</tr>';
print '<tr>';
print '<td align="center" colspan="2"><b>'.$langs->trans('PurchaseFinanceInfo').'</b></td>';
print '</tr>';
print '<tr>';
print '<td align="right">'.$langs->trans('SalePriceOfAsset').':</td>';
print '<td><input type="text" size="10" name="sale_price" value="'.$sale_price.'"> '.$langs->trans("Currency".$conf->currency).'</td>';print '</tr>';
print '<tr>';
print '<td align="right">'.$langs->trans('PercentageDown').':</td>';
print '<td><input type="text" size="5" name="down_percent" value="'.$down_percent.'">%</td>';
print '</tr>';
print '<tr>';
print '<td align="right">'.$langs->trans('LengthOfMortgage').':</td>';
print '<td><input type="text" size="3" name="year_term" value="'.$year_term.'"> '.$langs->trans("years").'</td>';
print '</tr>';
print '<tr>';
print '<td align="right">'.$langs->trans('AnnualInterestRate').':</td>';
print '<td><input type="text" size="5" name="annual_interest_percent" value="'.$annual_interest_percent.'">%</td>';
print '</tr>';
print '<tr>';
print '<td align="right">'.$langs->trans('ExplainCalculations').':</td>';
if (! empty($show_progress))
{
print '<td><input type="checkbox" name="show_progress" value="1" checked>'.$langs->trans('ShowMeCalculationsAndAmortization').'</td>';
}
else
{
print '<td><input type="checkbox" name="show_progress" value="1">'.$langs->trans('ShowMeCalculationsAndAmortization').'</td>';
}
print '</tr>';
print '</table>';
dol_fiche_end();
print '<center><input class="button" type="submit" value="'.$langs->trans("Calculate").'"> ';
print '<input class="button" type="submit" name="cancel" value="'.$langs->trans("Cancel").'"></center>';
// If the form has already been calculated, the $down_payment
// and $monthly_payment variables will be figured out, so we can show them in this table
if ($form_complete && $monthly_payment)
{
print '<br>';
print '<table cellpadding="2" cellspacing="0" border="0" width="100%">';
print '<tr valign="top">';
print '<td align="center" colspan="2" bgcolor="#000000"><font color="#ffffff"><b>'.$langs->trans('MortgagePaymentInformation').'</b></font></td>';
print '</tr>';
print '<tr valign="top" bgcolor="#eeeeee">';
print '<td align="right">'.$langs->trans('DownPayment').':</td>';
print '<td><b>' . number_format($down_payment, "2", ".", ",") . ' ' . $langs->trans("Currency".$conf->currency) . '</b></td>';
print '</tr>';
print '<tr valign="top" bgcolor="#eeeeee">';
print '<td align="right">'.$langs->trans('AmountFinanced').':</td>';
print '<td><b>' . number_format($financing_price, "2", ".", ",") . ' ' . $langs->trans("Currency".$conf->currency) . '</b></td>';
print '</tr>';
print '<tr valign="top" bgcolor="#cccccc">';
print '<td align="right">'.$langs->trans('MonthlyPayment').':</td>';
print '<td><b>' . number_format($monthly_payment, "2", ".", ",") . ' ' . $langs->trans("Currency".$conf->currency) . '</b><br><font>(Principal & Interest ONLY)</font></td>';
print '</tr>';
if ($down_percent < 20)
{
$pmi_per_month = 55 * ($financing_price / 100000);
/*print '<tr valign="top" bgcolor="#FFFFCC">';
print '<td align="right"> </td>';
print '<td>';
print '<br>';
echo 'Since you are putting LESS than 20% down, you will need to pay PMI
(<a href="http://www.google.com/search?hl=en&q=private+mortgage+insurance">Private Mortgage Insurance</a>), which tends
to be about $55 per month for every $100,000 financed (until you have paid off 20% of your loan). This could add
'."\$" . number_format($pmi_per_month, "2", ".", ",").' to your monthly payment.';
print '</td>';
print '</tr>';*/
print '<tr valign="top" bgcolor="#FFFF99">';
print '<td align="right">'.$langs->trans('MonthlyPayment').':</td>';
print '<td><b>' . number_format(($monthly_payment + $pmi_per_month), "2", ".", ",") . $langs->trans("Currency".$conf->currency) . '</b><br><font>';
print '(Principal & Interest, and PMI)</td>';
print '</tr>';
}
/*print '<tr valign="top" bgcolor="#CCCCFF">';
print '<td align="right"> </td>';
print '<td>';
print '<br>';*/
$assessed_price = ($sale_price * .85);
$residential_yearly_tax = ($assessed_price / 1000) * 14;
$residential_monthly_tax = $residential_yearly_tax / 12;
if ($pmi_per_month)
{
$pmi_text = "PMI";
}
/*echo "Residential (or Property) Taxes are a little harder to figure out... In Massachusetts, the average resedential tax rate seems
to be around $14 per year for every $1,000 of your property's assessed value.";*/
//print '<br><br>';
//print "Let's say that your property's <i>assessed value</i> is 85% of what you actually paid for it - ";
/*print number_format($assessed_price, "2", ".", ",") . ' ' . $langs->trans("Currency".$conf->currency) . 'This would mean that your yearly residential taxes will be around';
print number_format($residential_yearly_tax, "2", ".", ",") . ' ' . $langs->trans("Currency".$conf->currency);
print 'This could add ' . number_format($residential_monthly_tax, "2", ".", ",") . ' ' . $langs->trans("Currency".$conf->currency) . 'to your monthly payment';
print '</td>';
print '</tr>';
*/
print '<tr valign="top" bgcolor="#9999FF">';
print '<td align="right">TOTAL Monthly Payment:</td>';
print '<td><b>' . number_format(($monthly_payment + $pmi_per_month + $residential_monthly_tax), "2", ".", ",") . ' ' . $langs->trans("Currency".$conf->currency) . '</b><br><font>';
print '(including '.$pmi_text.')</font></td>';
print '</tr>';
}
print '</table>';
print '</form>';
// This prints the calculation progress and
// the instructions of HOW everything is figured
// out
if ($form_complete && $show_progress) {
$step = 1;
print '<br><br>';
print '<table cellpadding="5" cellspacing="0" border="1" width="100%">';
print '<tr valign="top">';
print '<td><b>'. $step++ .'</b></td>';
print '<td>';
print $langs->trans('DownPaymentDesc').'<br><br>';
print number_format($down_payment,"2",".",",") . ' ' . $langs->trans("Currency".$conf->currency) . ' = ';
print number_format($sale_price,"2",".",",") . ' ' . $langs->trans("Currency".$conf->currency) . ' X (' . $down_percent . ' / 100)';
print '</td>';
print '</tr>';
print '<tr valign="top">';
print '<td><b>' . $step++ . '</b></td>';
print '<td>';
print $langs->trans('InterestRateDesc') . '<br><br>';
print $annual_interest_rate . ' = ' . $annual_interest_percent . '% / 100';
print '</td>';
print '</tr>';
print '<tr valign="top" bgcolor="#cccccc">';
print '<td colspan="2">';
print $langs->trans('MonthlyFactorDesc') . ':';
print '</td>';
print '</tr>';
print '<tr valign="top">';
print '<td><b>' . $step++ . '</b></td>';
print '<td>';
print $langs->trans('MonthlyInterestRateDesc') . '<br><br>';
print $monthly_interest_rate . ' = ' . $annual_interest_rate . ' / 12';
print '</td>';
print '</tr>';
print '<tr valign="top">';
print '<td><b>' . $step++ . '</b></td>';
print '<td>';
print $langs->trans('MonthTermDesc') . '<br><br>';
print $month_term . ' '. $langs->trans('Months') . ' = ' . $year_term . ' '. $langs->trans('Years') . ' X 12';
print '</td>';
print '</tr>';
print '<tr valign="top">';
print '<td><b>' . $step++ . '</b></td>';
print '<td>';
print $langs->trans('MonthlyPaymentDesc') . ':<br>';
print $langs->trans('MonthlyPayment').' = ' . number_format($financing_price, "2", "", "") . ' * ';
print '(1 - ((1 + ' . number_format($monthly_interest_rate, "4", "", "") . ')';
print '<sup>-(' . $month_term . ')</sup>)))';
print '<br><br>';
print $langs->trans('AmortizationPaymentDesc');
print '</td>';
print '</tr>';
print '</table>';
print '<br>';
// Set some base variables
$principal = $financing_price;
$current_month = 1;
$current_year = 1;
// This basically, re-figures out the monthly payment, again.
$power = -($month_term);
$denom = pow((1 + $monthly_interest_rate), $power);
$monthly_payment = $principal * ($monthly_interest_rate / (1 - $denom));
print '<br><br><a name="amortization"></a>'.$langs->trans('AmortizationMonthlyPaymentOverYears', number_format($monthly_payment, "2", ".", ","), $year_term)."<br>\n";
print '<table class="noborder" width="100%">';
// This LEGEND will get reprinted every 12 months
$legend = '<tr class="liste_titre">';
$legend.= '<td class="liste_titre" align="center">' . $langs->trans("Month") . '</td>';
$legend.= '<td class="liste_titre" align="center">' . $langs->trans("Interest") . '</td>';
$legend.= '<td class="liste_titre" align="center">' . $langs->trans("LoanCapital") . '</td>';
$legend.= '<td class="liste_titre" align="center">' . $langs->trans("Position") . '</td>';
$legend.= '</tr>';
print $legend;
// Loop through and get the current month's payments for
// the length of the loan
while ($current_month <= $month_term)
{
$interest_paid = $principal * $monthly_interest_rate;
$principal_paid = $monthly_payment - $interest_paid;
$remaining_balance = $principal - $principal_paid;
$this_year_interest_paid = $this_year_interest_paid + $interest_paid;
$this_year_principal_paid = $this_year_principal_paid + $principal_paid;
$var = !$var;
print '<tr class="oddeven">';
print '<td align="right">' . $current_month . '</td>';
print '<td align="right">' . number_format($interest_paid, "2", ".", ",") . ' ' . $langs->trans("Currency".$conf->currency) . '</td>';
print '<td align="right">' . number_format($principal_paid, "2", ".", ",") . ' ' . $langs->trans("Currency".$conf->currency) . '</td>';
print '<td align="right">' . number_format($remaining_balance, "2", ".", ",") . ' ' . $langs->trans("Currency".$conf->currency) . '</td>';
print '</tr>';
($current_month % 12) ? $show_legend = FALSE : $show_legend = TRUE;
if ($show_legend) {
print '<tr>';
print '<td colspan="4"><b>' . $langs->trans("Totalsforyear") . ' ' . $current_year . '</td>';
print '</tr>';
$total_spent_this_year = $this_year_interest_paid + $this_year_principal_paid;
print '<tr>';
print '<td> </td>';
print '<td colspan="3">';
print $langs->trans('YouWillSpend', number_format($total_spent_this_year, "2", ".", ",") . ' ' . $langs->trans("Currency".$conf->currency), $current_year) . '<br>';
print $langs->trans('GoToInterest', number_format($this_year_interest_paid, "2", ".", ",") . ' ' . $langs->trans("Currency".$conf->currency)) . '<br>';
print $langs->trans('GoToPrincipal', number_format($this_year_principal_paid, "2", ".", ",") . ' ' . $langs->trans("Currency".$conf->currency)) . '<br>';
print '</td>';
print '</tr>';
print '<tr>';
print '<td colspan="4"> <br></td>';
print '</tr>';
$current_year++;
$this_year_interest_paid = 0;
$this_year_principal_paid = 0;
if (($current_month + 6) < $month_term)
{
echo $legend;
}
}
$principal = $remaining_balance;
$current_month++;
}
print "</table>\n";
}
llxFooter();
$db->close();