0){l[++f]=KJE.parameters.get("MSG_PAYMENT_PERCENT_INTEREST",KJE.number(c,0)+KJE.PaymentOptionsCalc.MSG_PAYMENT_CHOICE[1]);KJE.Default.PAYMENT_OPTION[f]=KJE.PaymentOptionsCalc.PERCENT_INTEREST;KJE.Default.PAYMENT_PERCENT[f]=c;k[f]=f}if(j>0){l[++f]=KJE.number(j,1)+KJE.PaymentOptionsCalc.MSG_PAYMENT_CHOICE[2];KJE.Default.PAYMENT_OPTION[f]=KJE.PaymentOptionsCalc.PERCENT_BALANCE;KJE.Default.PAYMENT_PERCENT[f]=j;k[f]=f}if(h>0){l[++f]=KJE.number(h,1)+KJE.PaymentOptionsCalc.MSG_PAYMENT_CHOICE[2];KJE.Default.PAYMENT_OPTION[f]=KJE.PaymentOptionsCalc.PERCENT_BALANCE;KJE.Default.PAYMENT_PERCENT[f]=h;k[f]=f}if(g>0){l[++f]=KJE.number(g,1)+KJE.PaymentOptionsCalc.MSG_PAYMENT_CHOICE[2];KJE.Default.PAYMENT_OPTION[f]=KJE.PaymentOptionsCalc.PERCENT_BALANCE;KJE.Default.PAYMENT_PERCENT[f]=g;k[f]=f}a=KJE.replace("**PAYMENT_OPTION**",KJE.getDropBox("PAYMENT_OPTION",1,k,l),a);if(KJE.Default.getPrepayDrop){a=KJE.replace("**PREPAY_TYPE**",KJE.Default.getPrepayDrop("PREPAY_TYPE",KJE.Default.PREPAY_NONE),a)}return a};KJE.initialize=function(){KJE.CalcControl=new KJE.PaymentOptionsCalc();KJE.GuiControl=new KJE.PaymentOptions(KJE.CalcControl)};KJE.PaymentOptions=function(h){var g=KJE;var e=KJE.gLegend;var b=KJE.inputs.items;this.MSG_GRAPH3=KJE.parameters.get("MSG_GRAPH3","Balance by year");this.MSG_GRAPH4=KJE.parameters.get("MSG_GRAPH4","Balance by payment");this.MSG_GRAPH6=KJE.parameters.get("MSG_GRAPH6","Year Number");this.MSG_GRAPH7=KJE.parameters.get("MSG_GRAPH7","Payment Number");this.CALC_DOWNPAYMENT=KJE.parameters.get("CALC_DOWNPAYMENT",false);KJE.DollarSlider("MONTHLY_PAYMENT","Monthly payment",0,100000,2,1,0);KJE.PercentSlider("INTEREST_RATE","Interest rate",0,25,3);KJE.NumberSlider("TERM","Term in months",1,360,0);KJE.DollarSlider("LOAN_AMOUNT","Loan amount",100,5000000,0,1,4);KJE.DropBox("PAYMENT_OPTION","Payment option",null,null,"bold");KJE.Label("TOTAL_OF_PAYMENTS","Total payments",null,null,"KJEBold");KJE.Label("INTEREST_PAID","Total interest paid",null,null,"KJEBold");KJE.Label("ENDING_BALANCE","Ending balance",null,null,"KJEBold");KJE.Radioboxes("PAYMENT_CALC","Calculate",true,"Payment","Loan Amount","bold");var a=KJE.gNewGraph(KJE.gCOLUMN,"GRAPH1",true,false,KJE.colorList[1],KJE.parameters.get("MSG_GRAPH5","Principal Balances"));a._legend.setVisible(false);a._legend._iOrientation=(e.GRID_TOP_RIGHT);a._titleXAxis.setText(KJE.parameters.get("MSG_GRAPH1","Payment Number"));var f=KJE.parameters.get("MSG_DROPPER_TITLE","Loan & Credit Line Inputs:");var d=KJE.parameters.get("MSG_DROPPER_CLOSETITLE","Total savings KJE1");var c=function(){return f};KJE.addDropper(new KJE.Dropper("INPUTS",true,c,c),KJE.colorList[0])};KJE.PaymentOptions.prototype.setValues=function(b){var a=KJE.inputs.items;b.PAYMENT_CALC=a.PAYMENT_CALC.getValue();if(b.PAYMENT_CALC){a.MONTHLY_PAYMENT.disable();a.LOAN_AMOUNT.enable()}else{a.MONTHLY_PAYMENT.enable();a.LOAN_AMOUNT.disable()}b.INTEREST_RATE=a.INTEREST_RATE.getValue();b.TERM=a.TERM.getValue();b.LOAN_AMOUNT=a.LOAN_AMOUNT.getValue();b.MONTHLY_PAYMENT=a.MONTHLY_PAYMENT.getValue();b.PAYMENT_SELECTION=a.PAYMENT_OPTION.getValue();b.PAYMENT_OPTION=KJE.Default.PAYMENT_OPTION[b.PAYMENT_SELECTION];b.PERCENT_PAYMENT=KJE.Default.PAYMENT_PERCENT[b.PAYMENT_SELECTION]};KJE.PaymentOptions.prototype.refresh=function(e){var d=KJE;var c=KJE.gLegend;var b=KJE.inputs.items;var a=KJE.gGraphs[0];KJE.setTitleTemplate(e.MSG_TITLE);a.removeAll();a.setGraphCategories(e.cats);if(e.TERM>120){a.add(new KJE.gGraphDataSeries(e.DS_BALANCE,this.MSG_GRAPH3,a.getColor(1)))}else{a.add(new KJE.gGraphDataSeries(e.DS_BALANCE,this.MSG_GRAPH4,a.getColor(1)))}if(e.TERM>120){a._titleXAxis.setText(this.MSG_GRAPH6)}else{a._titleXAxis.setText(this.MSG_GRAPH7)}a.paint();b.LOAN_AMOUNT.setValue(e.LOAN_AMOUNT,true);b.MONTHLY_PAYMENT.setValue(e.MONTHLY_PAYMENT,true);b.TOTAL_OF_PAYMENTS.setText(d.dollars(e.TOTAL_OF_PAYMENTS,2));b.INTEREST_PAID.setText(d.dollars(e.INTEREST_PAID,2));b.ENDING_BALANCE.setText(d.dollars(e.ENDING_BALANCE,2))};KJE.InputScreenText=" **GRAPH1** ";KJE.DefinitionText=" Loan amountTotal dollar amount of your loan. Interest rateThe annual interest rate, often called an annual percentage rate (APR) for this loan or line of credit. Monthly paymentMonthly principal and interest payment (PI) for this loan or line of credit. Term in monthsNumber of months for this loan or line of credit. Payment optionsSelect the option that matches your payment type: - Fixed loan term
Traditional amortization produces a fixed monthly payment. The monthly payment calculated will leave a zero balance at the end of the loan's term. - 2%, 1.5% or 1% of balance
Your minimum payment is calculated as a percentage of the outstanding principal balance. Your minimum payment will change each month, and if you only make the minimum payment your balance will not be zero at the end of your loan's term. - 100% of interest owed
For lines paying interest owed, your payment is 100% of the interest accrued during the month but no principal. Your payment may not be fixed if your interest rate or principal balance changes.
";KJE.ReportText=' This payment is for a LOAN_AMOUNT LOAN_TYPE_LABEL. LOAN_TYPE_MSG **GRAPH** Payment option | PAYMENT_OPTION |
1st monthly payment | MONTHLY_PAYMENT |
Loan amount | LOAN_AMOUNT |
Annual Percentage Rate | INTEREST_RATE |
Term | TERM months |
**REPEATING GROUP** ';