Ja, det er rigtigt forstået. Normalt når man laver en låneberegning, hvor man regner den månedlige ydelse ud, går man ud fra, at lånet skal slutte på kr. 0! Det specielle ved min beregning er, at lånet skal stoppet ved en given procentdel af hovedstolen. Altså f.eks. 20% af 100.000, hvilket jo er 20.000 ...
Et eksempel kunne være (i cirka-tal)
Hovedstol 100.000
Månedlig ydelse vil cirka være 2.500 (indtil der mangler 20.000)
Sidste ydelse 20% af de 100.000 = 20.000
Der skal altså beregnes en månedlig ydelse frem til der mangler 20.000 at afdrage. Herefter er sidste ydelse kr. 20.000
Renterne skal selvfølgelig beregnes ned til der mangler de famøse 20%, altså til der mangler 20.000
Min kode indtil videre:
<html>
<HEAD>
<SCRIPT LANGUAGE="JavaScript">
function Loan() {
var housePrice;
var IR;
var dpayment;
var years;
var monthPay;
var month;
switch(document.calcform.startm.value) {
case "januar":
document.calcform.startm.value="0";
parseInt(document.calcform.startm.value)
break;
case "februar":
document.calcform.startm.value="1";
parseInt(document.calcform.startm.value)
break;
case "marts":
document.calcform.startm.value="2";
parseInt(document.calcform.startm.value);
break;
case "april":
document.calcform.startm.value="3";
parseInt(document.calcform.startm.value);
break;
case "maj":
document.calcform.startm.value="4";
parseInt(document.calcform.startm.value);
break;
case "juni":
document.calcform.startm.value="5";
parseInt(document.calcform.startm.value);
break;
case "juli":
document.calcform.startm.value="6";
parseInt(document.calcform.startm.value);
break;
case "august":
document.calcform.startm.value="7";
parseInt(document.calcform.startm.value);
break;
case "september":
document.calcform.startm.value="8";
parseInt(document.calcform.startm.value);
break;
case "oktober":
document.calcform.startm.value="9";
parseInt(document.calcform.startm.value);
break;
case "november":
document.calcform.startm.value="10";
parseInt(document.calcform.startm.value);
break;
case "december":
document.calcform.startm.value="11";
parseInt(document.calcform.startm.value);
break;
default:
document.calcform.startm.value="0";
parseInt(document.calcform.startm.value);
break;
}
housePrice = parseFloat(document.calcform.price.value);
dpayment = parseFloat(document.calcform.dpayment.value);
IR = parseFloat(document.calcform.interest.value);
years = parseFloat(document.calcform.time.value);
housePrice = housePrice - dpayment;
month = years * 12;
interestRate = IR / 12;
negmonth =- 1 * month;
var bottom = 1 - (Math.pow(interestRate+1,negmonth));
var top = interestRate;
var mid = top / bottom;
var dec;
document.calcform.monthPay.value = (housePrice * mid);
monthPay = document.calcform.monthPay.value;
document.calcform.monthPay.value = eval(monthPay);
housePrice = housePrice - document.calcform.monthPay.value;
document.calcform.month.value = month;
}
function convert() {
var startmonth = new String();
startmonth = document.calcform.startm.value;
document.calcform.startm.value = startmonth.toLowerCase();
}
function changenum() {
document.calcform.startyear.value=parseInt(document.calcform.startyear.value);
}
var d = new Date;
function getFieldValue (strFieldName) {
var strFieldValue;
var objRegExp = new RegExp(strFieldName + "=([^&]+)","gi");
if (objRegExp.test(location.search))
strFieldValue = unescape(RegExp.$1);
else strFieldValue="";
return strFieldValue;
}
function Currency(money1) {
var money = new String(money1);
var decimal = money.indexOf(".",[0]);
var money = money.substring(0,decimal+3);
var money1 = parseFloat(money);
return money;
}
var startmonth;
startmonth = getFieldValue("startm");
var monthofpayment = new String;
month = getFieldValue("month");
monthPay = getFieldValue("monthPay");
Houseprice = getFieldValue("price");
Ir = getFieldValue("interest");
Ir = Ir/12;
year = getFieldValue("startyear")
function check() {
var dPayment = document.calcform.dpayment.value;
var price = document.calcform.price.value;
if(price.indexOf(",") >= 0) {
alert("Please do not put commas in the Price number")
}
}
function check1() {
var dPayment = document.calcform.dpayment.value;
if(dPayment.indexOf(",") >= 0) {
alert("Please do not put commas in the Down Payment number");
}
}
// End -->
</script>
</HEAD>
<BODY>
<form method="get" name=calcform action="amortization.htm">
<table border=0>
<tr>
<td valign="top">
Købspris
<br>
</td>
<td valign="top">
kr
<input name=price onblur="check()" size=10>
</td>
</tr>
<tr>
<td>
Udbetaling
</td>
<td>
kr
<input name=dpayment onblur="check1()" size=10>
<br>
</td>
</tr>
<tr>
<td>
Rentesats
<br>
</td>
<td>
<select size="1" name="interest">
<option selected value="0.04">4%</option>
<option value="0.05">5%</option>
<option value="0.06">6%</option>
</select>
<br>
</td>
<tr>
<td>
Låneperiode
<br>
</td>
<td>
<select size="1" name="time">
<option value="1">1 år</option>
<option value="2">2 år</option>
<option value="3">3 år</option>
<option selected value="4">4 år</option>
</select>
<br>
</tr>
<tr>
<td>
Startdato (Måned / År)
</td>
<td>
<input name=startm onblur="convert()" size=10>
<input name=startyear onblur="changenum()" size=10>
</td>
</tr>
<input name=month type=hidden>
<input name=monthPay type=hidden>
<tr>
<td>
<input type=submit value="Beregn ydelse" onmouseover="check()" onclick="Loan()">
</td>
</tr>
</table>
</form>
<table border=0>
<tr>
<td>
Købspris
</td>
<td>
kr
<script language="javascript">
<!--
document.write(getFieldValue("price"));
//-->
</script>
</td>
</tr>
<tr>
<td>
Udbetaling
</td>
<td>
kr
<script language="javascript">
<!--
document.write((getFieldValue("dpayment")));
//-->
</script>
</td>
</tr>
<tr>
<td>
Månedlig ydelse
</td>
<td>
kr
<script language="javascript">
<!--
var payment = getFieldValue("monthPay");
payment=Currency(payment);
document.write(payment);
//-->
</script>
</td>
</tr>
<tr>
<td>
# år
</td>
<td>
<script language="javascript">
<!--
document.write(month/12);
-->
</script>
</td>
</tr>
</table>
<table border="1" align="left">
<tr>
<th width="125">
Måned/År
</th>
<th width="125">
Rente
</th>
<th width="125">
Afdrag
</th>
</tr>
<script language="JavaScript">
<!--
var halfmonth;
halfmonth = month / 2;
for(y = 0; y <= month; y++) {
var interest = Houseprice * Ir;
var principal = monthPay - interest;
Houseprice = Houseprice - principal;
interest = Currency(interest);
principal = Currency(principal);
if(startmonth > 11) {
startmonth = 0;
year++;
}
switch(startmonth.toString()) {
case "0":monthofpayment="Januar";
break;
case "1":monthofpayment="Februar";
break;
case "2":monthofpayment="Marts";
break;
case "3":monthofpayment="April";
break;
case "4":monthofpayment="Maj";
break;
case "5":monthofpayment="Juni";
break;
case "6":monthofpayment="Juli";
break;
case "7":monthofpayment="August";
break;
case "8":monthofpayment="September";
break;
case "9":monthofpayment="Oktober";
break;
case "10":monthofpayment="November";
break;
case "11":monthofpayment="December";
}
document.write("<tr><td width='125'>")
document.write(monthofpayment+" "+year+"</td>"+"<td width='125'>"+"kr "+interest+"</td><td width='125'>"+"kr "+principal);
document.write("</td></tr>");
startmonth++;
}
//-->
</script>
</table>
</body>
</html>
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