// format numbers into pretty format function DF(val) { var newval=100*val; newval = Math.round(newval); var dollars = Math.floor(newval/100); var SS = new String(" "); var cents = newval - dollars * 100; if (cents == 0) {var centst = new String("00");} if (cents < 10) {var centst = "0" + String(cents);} if (cents > 9) {var centst = new String(cents);} if (dollars < 1000) { return (dollars + "." + centst); } else { var thou = Math.floor(dollars/1000); var ldoll = dollars - thou * 1000; if (ldoll < 10) { var ldoll = new String("00" + ldoll); } else { if (ldoll < 100) { var ldoll = new String("0" + ldoll); } } return (thou + "," + ldoll + "." + centst); } } function PrtTbl() { var CN = parent.document.f.CN.value; wm = window.open('','printwin','width=600,height=700,scrollbars=1'); wm.document.writeln( 'Equity-4-U Amortization Table for ' + CN + '' + '' + '
' + '' + '' + ' ' + ' ' + '' + '' // + '' + '' + '' // + '' + ''); // parent.document.f.L.value // parent.document.f.R.value // parent.document.f.NM.value // parent.document.f.BLP.value // parent.document.f.L45.value var MS = new String("JanFebMarAprMayJunJulAugSepOctNovDec"); var np = Number(1); var NM = Number(parent.document.f.NM.value); var re = /,/g; var loanstr = String(parent.document.f.L.value); loanstr = loanstr.replace(re,""); // yank commas var bal = Number(loanstr); var rat = Number(parent.document.f.R.value); var blp = Number(parent.document.f.BLP.value); var mlp = blp * 2; var fp = parent.document.f.FP.value; // Add initial interest var obal = bal; if (fp > 30) { bal = bal * (1 + rat/1200 * (fp - 30)/30); } var cbal = bal; var dat = parent.document.f.L45.value; var nmo = dat.substr(0,3); var mo = " "; if (dat.length == 10) { md = Number(dat.substr(4,1)); yr = Number(dat.substr(6,4)); } else { md = Number(dat.substr(4,2)); yr = Number(dat.substr(7,4)); } mc = 0; tm = 0; var c6 = 0; var extra = 0; // May 2008 - Must subtract 399 fee from extra payments first! var fee2pay = 399; // Nov 2008 - Get to subtract one 1/2 payment first! if (fee2pay > blp) { fee2pay = fee2pay - blp; } else { fee2pay = 0; bal = bal - (blp - fee2pay); } // end Nov 2008 addition var tbp = -1; // total biweekly debits - start -1 since the first half already in initial full payment 2009-03-18 var eflag = "* "; while (cbal > 0 && tm < NM) { tm = tm + 1; c6 = c6 + 1; mi = 0; cmi = 0; mi = bal * rat / 1200; cmi = cbal * rat / 1200; // biweekly loan if (c6 == 6) { // tbp + tbp + 1; -- calculate if we need to add this payment below instead 2009-03-18 if (fee2pay > 0) { if (blp > fee2pay) { extra = blp - fee2pay; fee2pay = 0; } else { fee2pay = fee2pay - blp; extra = 0; tbp = tbp + 1; } } else { extra = blp; } c6 = 0; } else { extra = 0; } var endtag = ""; if (2 * blp + extra - mi < bal) { prin = 2 * blp + extra - mi; // subtract full payment plus any extra since balance still large newbal = bal - prin; tbp = tbp + 2; if (extra > 0) { tbp = tbp + 1; } } else { // biweekly paid off this period -- see if it requires 0, 1 or 2 biweekly payments more if (bal > 0) { tbp = tbp + 1; bal = bal + mi - blp; } // paid off with first bw payment if (bal > 0) { tbp = tbp + 1; bal = bal - blp; } // paid off with second bw payment of month if (bal > 0 && extra > 0) { tbp = tbp + 1; } // paid off with extra payment if it exists endtag = eflag; eflag = ""; newbal = 0; prin = bal; } // conventional loan if (2 * blp - cmi < cbal) { cprin = 2 * blp - cmi; cnewbal = cbal - cprin; } else { cnewbal = 0; cprin = cbal; } ceq = obal - cnewbal; neweq = obal - newbal; wm.document.writeln(''); np = np + 1; bal = newbal; cbal = cnewbal; } // start changes 2-23-2009 var FP = document.f.FP.value; var MS = new String("JanFebMarAprMayJunJulAugSepOctNovDec"); var DAYim = new Number(24 * 60 * 60 * 1000); // Day in ms var Wim = new Number(7 * DAYim); // One week in ms var T45im = new Number(FP * DAYim); // 45 days in ms var SelYr = document.f.SY.selectedIndex + 2007; var SelMo = document.f.SM.selectedIndex - 1; var SelDy = document.f.SD.selectedIndex; var PDim = Date.UTC(SelYr, SelMo, SelDy, 12, 0, 0, 0); var ODim = Date.UTC(2008, 0, 12, 13, 0, 0, 0); // First Wed 1/12/05 var PDate = new Date(PDim); var ODat = new Date(ODim); var PDM = MS.substr(PDate.getMonth()*3,3); var PDate45 = new Date(PDim + T45im); var PDM45 = MS.substr(PDate45.getMonth()*3,3); var PDS = new String(PDM + " " + PDate.getDate() + " " + PDate.getFullYear()); var PDS45 = new String(PDM45 + " " + PDate45.getDate() + " " + PDate45.getFullYear()); var IDim = PDate45.valueOf() - 21 * DAYim; var IDat = new Date(IDim); var IDM = MS.substr(IDat.getMonth()*3,3); var IDS = new String(IDM + " " + IDat.getDate() + " " + IDat.getFullYear()); var EDim = IDat.valueOf() + tbp * 14 * DAYim; // end date var EDat = new Date(EDim); // end date var EDM = MS.substr(EDat.getMonth()*3,3); var EDS = new String(EDM + " " + EDat.getDate() + " " + EDat.getFullYear()); var hpmts = ""; var enddate = ""; wm.document.writeln('\n'); // end changes 2-23-2009 wm.document.writeln('
EQUITY-4-U Amortization Table for ' + CN + '
 Paid MonthlyPaid Biweekly
Month
Balance
Interest
Equity
Balance
Interest
Equity
' + endtag + tm + '' + DF(cnewbal) // + '' + DF(cmi) + '' + DF(ceq) + '' + DF(newbal) // + '' + DF(mi) + '' + DF(neweq) + '
* First full debit will occur on ' + IDS + '
Last debit will occur on ' + EDS + '

Total debits include one full debit and ' + tbp + ' half debits (calculated field based on the number of half debits to occur to satisfy the loan).

Disclaimer: All calculation are based on the ORIGINAL figures provided to Equity 4 U, and assumes there are no changes to the loan during the course of the Loan Term. Changes include, but are not limited to, additional lender fees, one month payment deferrals, change in lender, and consumer direct payments made to the lender.
' + '
'); wm.document.close(); }