KJE.parameters.set("TITLE_TEMPLATE","Arrendamiento vs. Compra");KJE.parameters.set("MSG_DROPPER_TITLE","informaciìn del vehìculo:");KJE.parameters.set("MSG_DROPPER_CLOSETITLE","");KJE.parameters.set("MSG_DROPPER2_TITLE","Compra:");KJE.parameters.set("MSG_DROPPER2_CLOSETITLE","Pago KJE1");KJE.parameters.set("MSG_DROPPER3_TITLE","Arrendamiento:");KJE.parameters.set("MSG_DROPPER3_CLOSETITLE","Pago KJE1");KJE.parameters.set("MSG_GRAPH_TITLE","Coste Neto del Arrendamiento vs. Compra");KJE.parameters.set("MSG_NET_COST_OF_LEASE","Costo neto para el arrendamiento");KJE.parameters.set("MSG_NET_COST_OF_PURCHASE","Coste neto de compra");KJE.parameters.set("ARRAY_GRAPH_CATS",["Coste neto de compra","Costo neto para el arrendamiento"]);KJE.parameters.set("MSG_ERROR1","El plazo de su préstamo debe ser igual o mayor que el plazo del arrendamiento.");KJE.parameters.set("MSG_ERROR2","Su desembolso inicial debe ser igual o menor que el precio total de la compra.");KJE.parameters.set("MSG_CAR_PRICE","Precio de compra");KJE.parameters.set("MSG_DOWN_PAYMENT","Desembolso inicial");KJE.parameters.set("MSG_INTEREST_RATE","Tasa de interés");KJE.parameters.set("MSG_INVESTMENT_ROR","Tasa de rendimiento de la inversión");KJE.parameters.set("MSG_LOAN_TERM","Plazo del préstamo en meses");KJE.parameters.set("MSG_OTHER_FEES_BUY","Otros cargos");KJE.parameters.set("MSG_OTHER_FEES_LEASE","Otros cargos");KJE.parameters.set("MSG_PER_YEAR","Al año");KJE.parameters.set("MSG_RATE_OF_DEPRECIATION","Depreciación anual");KJE.parameters.set("MSG_RESIDUAL_PERCENT","Porcentaje residual");KJE.parameters.set("MSG_SALES_TAX_RATE","Tasa de impuesto estatal");KJE.parameters.set("MSG_SECURITY_DEPOSIT","Depósito de garantía");KJE.parameters.set("MSG_TERM","Plazo del arrendamiento en meses");KJE.definitions.set("**INFLATION_DEFINITION**","Lo que espera para el índice promedio de inflación a largo plazo. Una medida común de inflación en los Estados Unidos es el Índice de Precios al Consumidor (Consumer Price Index, CPI), que tiene un promedio a largo plazo del 2.9% anual, de 1925 a 2016.");KJE.definitions.set("**ROR_DEFINITION**",'El por ciento de rendimiento real dependerá en gran parte del tipo de inversión que usted escoja. De enero de 1970 a enero de 2017 el por ciento de rendimiento promedio ponderado para el índice "S&P 500", incluyendo la reinversión de dividendos, fue aproximadamente 10.3% por año. Durante estos años el rendimiento mayor para un periodo de 12 meses fue de 61% mientras el menor fue de -43%. Las cuentas de ahorro en los bancos pagan un interés tan bajo como 1% o menos.
Es importante recordar que el por ciento de rendimiento futuro no se pueden predecir con certeza y que las inversiones que pagan un por ciento de rendimiento mayor están sujetos a un mayor riesgo y volatilidad. El por ciento de rendimiento real puede variar extensamente durante el su vida, especialmente en inversiones a largo plazo, incluyendo una potencial perdida de principal de su inversión.');KJE.BuyvsLeaseCalc=function(){this.MSG_ERROR1=KJE.parameters.get("MSG_ERROR1","Your loan term must be equal to or greater than the lease term.");this.MSG_ERROR2=KJE.parameters.get("MSG_ERROR2","Your down payment must be less than or equal to the total purchase price.");this.DS_NET=KJE.FloatArray(2);this.cats=KJE.parameters.get("ARRAY_GRAPH_CATS",["Net Cost to Buy","Net Cost to Lease"]);this.sSchedule=new KJE.Repeating()};KJE.BuyvsLeaseCalc.prototype.clear=function(){this.TERM=0;this.SECURITY_DEPOSIT=0;this.OTHER_FEES_LEASE=0;this.CAR_PRICE=0;this.INTEREST_RATE=0;this.DOWN_PAYMENT=0;this.OTHER_FEES_BUY=0;this.SALES_TAX_RATE=0;this.RATE_OF_DEPRECIATION=0;this.INVESTMENT_ROR=0;this.LOAN_TERM=0;this.LEASE_INTEREST=0;this.RESIDUAL_PERCENT=0};KJE.BuyvsLeaseCalc.prototype.calculate=function(A){var d=KJE;var I=this.TERM;var g=this.SECURITY_DEPOSIT;var v=this.OTHER_FEES_LEASE;var u=this.CAR_PRICE;var c=this.INTEREST_RATE;var s=this.DOWN_PAYMENT;var e=this.OTHER_FEES_BUY;var b=this.SALES_TAX_RATE;var a=this.RATE_OF_DEPRECIATION;var y=this.INVESTMENT_ROR;var H=this.LOAN_TERM;var J=this.LEASE_INTEREST;var k=this.RESIDUAL_PERCENT;var B=I/12;if(H==0){H=I}if(I>H){throw (this.MSG_ERROR1)}var L=s+v;var o=(u*(k/100));var G=o*(J/1200);G+=KJE.PMT(J/1200,I,u-s-o);G*=(1+(b/100));var t=G*I;var r=L+t;var F=KJE.FV_AMT(y/100,B,g+L)-g-L;var z=F+r;var h=z/I;var w=u*(b/100);var C=u+w+e;if(s>C){throw (this.MSG_ERROR2)}var l=C-s;var x=u;for(var E=1;E<=B;E++){x=x*(1-a/100)}var i=KJE.PMT(c/1200,H,l);var m=0;var D=i*I;var K=KJE.FV_AMT(y/100,B,s+e)-s-e;var p=l;var f=KJE.ROR_MONTH(y/100);for(var E=1;E<=I;E++){p-=(i-((p*c)/1200));m=(i-G+m)*(f+1)}m-=(i-G)*I;K+=m;var j=D+s+K-x+p;var q=j/I;this.LOST_PAYMENT_INTEREST=m;this.TOTAL_UPFRONT_COSTS=L;this.TOTAL_LEASE_PAYMENTS=t;this.TOTAL_PAID_FOR_LEASE=r;this.LOST_INTEREST_ON_LEASE=F;this.NET_COST_OF_LEASE=z;this.AVERAGE_COST_PER_MONTH_LEASE=h;this.MARKET_VALUE_AT_END_OF_LOAN=x;this.SALES_TAX=w;this.TOTAL_PURCHASE_PRICE=C;this.LOAN_AMOUNT=l;this.LOAN_PAYMENT=i;this.TOTAL_PAYMENTS=D;this.LOST_INTEREST_ON_BUY=K;this.NET_COST_OF_PURCHASE=j;this.AVERAGE_COST_PER_MONTH_BUY=q;this.ENDING_LOAN_BALANCE=p;this.MONTHLY_PAYMENT=G;this.RESIDUAL_AMT=o;this.DS_NET[0]=j;this.DS_NET[1]=z};KJE.BuyvsLeaseCalc.prototype.formatReport=function(b){var c=KJE;var a=this.iDecimal;var d=b;d=KJE.replace("LEASE_INTEREST",c.percent(this.LEASE_INTEREST/100,2),d);d=KJE.replace("RESIDUAL_PERCENT",c.percent(this.RESIDUAL_PERCENT/100),d);d=KJE.replace("RESIDUAL_AMT",c.dollars(this.RESIDUAL_AMT,2),d);d=KJE.replace("ENDING_LOAN_BALANCE",c.dollars(this.ENDING_LOAN_BALANCE,2),d);d=KJE.replace("LOAN_TERM",c.number(this.LOAN_TERM),d);d=KJE.replace("LOST_INTEREST_ON_LEASE",c.dollars(this.LOST_INTEREST_ON_LEASE,2),d);d=KJE.replace("TERM",c.number(this.TERM),d);d=KJE.replace("MONTHLY_PAYMENT",c.dollars(this.MONTHLY_PAYMENT,2),d);d=KJE.replace("SECURITY_DEPOSIT",c.dollars(this.SECURITY_DEPOSIT,2),d);d=KJE.replace("OTHER_FEES_LEASE",c.dollars(this.OTHER_FEES_LEASE,2),d);d=KJE.replace("TOTAL_UPFRONT_COSTS",c.dollars(this.TOTAL_UPFRONT_COSTS,2),d);d=KJE.replace("TOTAL_LEASE_PAYMENTS",c.dollars(this.TOTAL_LEASE_PAYMENTS,2),d);d=KJE.replace("TOTAL_PAID_FOR_LEASE",c.dollars(this.TOTAL_PAID_FOR_LEASE,2),d);d=KJE.replace("NET_COST_OF_LEASE",c.dollars(this.NET_COST_OF_LEASE,2),d);d=KJE.replace("AVERAGE_COST_PER_MONTH_LEASE",c.dollars(this.AVERAGE_COST_PER_MONTH_LEASE,2),d);d=KJE.replace("CAR_PRICE",c.dollars(this.CAR_PRICE,2),d);d=KJE.replace("INTEREST_RATE",c.percent(this.INTEREST_RATE/100,2),d);d=KJE.replace("DOWN_PAYMENT",c.dollars(this.DOWN_PAYMENT,2),d);d=KJE.replace("OTHER_FEES_BUY",c.dollars(this.OTHER_FEES_BUY,2),d);d=KJE.replace("SALES_TAX_RATE",c.percent(this.SALES_TAX_RATE/100,2),d);d=KJE.replace("RATE_OF_DEPRECIATION",c.percent(this.RATE_OF_DEPRECIATION/100),d);d=KJE.replace("MARKET_VALUE_AT_END_OF_LOAN",c.dollars(this.MARKET_VALUE_AT_END_OF_LOAN,2),d);d=KJE.replace("SALES_TAX",c.dollars(this.SALES_TAX,2),d);d=KJE.replace("TOTAL_PURCHASE_PRICE",c.dollars(this.TOTAL_PURCHASE_PRICE,2),d);d=KJE.replace("LOAN_AMOUNT",c.dollars(this.LOAN_AMOUNT,2),d);d=KJE.replace("LOAN_PAYMENT",c.dollars(this.LOAN_PAYMENT,2),d);d=KJE.replace("TOTAL_PAYMENTS",c.dollars(this.TOTAL_PAYMENTS,2),d);d=KJE.replace("TOTAL_DOWN_PLUS_PAYMENTS",c.dollars(c.round(this.TOTAL_PAYMENTS,2)+this.DOWN_PAYMENT,2),d);d=KJE.replace("TOTAL_DOWN_LOST_INTEREST_PLUS_PAYMENTS",c.dollars(c.round(this.TOTAL_PAYMENTS,2)+this.DOWN_PAYMENT+c.round(this.LOST_INTEREST_ON_BUY,2),2),d);d=KJE.replace("LOST_INTEREST_ON_BUY",c.dollars(this.LOST_INTEREST_ON_BUY,2),d);d=KJE.replace("NET_COST_OF_PURCHASE",c.dollars(this.NET_COST_OF_PURCHASE,2),d);d=KJE.replace("AVERAGE_COST_PER_MONTH_BUY",c.dollars(this.AVERAGE_COST_PER_MONTH_BUY,2),d);d=KJE.replace("INVESTMENT_ROR",c.percent(this.INVESTMENT_ROR/100,2),d);d=KJE.replace("LOST_PAYMENT_INTEREST",c.dollars(this.LOST_PAYMENT_INTEREST),d);d=KJE.replace("LEASE_TOT_DOWN_PLUS_PAYMENTS",c.dollars(c.round(this.TOTAL_LEASE_PAYMENTS,2)+this.TOTAL_UPFRONT_COSTS,2),d);d=KJE.replace("LEASE_TOT_DOWN_LOST_INTEREST_PLUS_PAYMENTS",c.dollars(c.round(this.TOTAL_LEASE_PAYMENTS,2)+this.TOTAL_UPFRONT_COSTS+c.round(this.LOST_INTEREST_ON_LEASE,2),2),d);d=d.replace("**REPEATING GROUP**",this.sSchedule.getRepeat());this.sSchedule.clearRepeat();return d};KJE.CalcName="Arrendamiento vs. Compra";KJE.CalcType="SPBuyvsLease";KJE.CalculatorTitle="Buy or Lease?";KJE.parseInputs=function(a){return a};KJE.initialize=function(){KJE.CalcControl=new KJE.BuyvsLeaseCalc();KJE.GuiControl=new KJE.BuyvsLease(KJE.CalcControl)};KJE.BuyvsLease=function(n){var f=KJE;var c=KJE.gLegend;var i=KJE.inputs.items;KJE.PercentSlider("LEASE_INTEREST","Interest rate",0,20,2);KJE.PercentSlider("RESIDUAL_PERCENT","Residual percent",0,95,0);KJE.NumberSlider("TERM","Lease term in months",12,360,0);KJE.NumberSlider("LOAN_TERM","Loan term in months",12,360,0);KJE.DollarSlider("SECURITY_DEPOSIT","Security deposit",0,100000);KJE.DollarSlider("OTHER_FEES_LEASE","Other fees",0,50000);KJE.DollarSlider("CAR_PRICE","Purchase price",1000,10000000,n.iDecimal,0,KJE.parameters.get("AUTO_SALE_PRICE_SLM",2));KJE.PercentSlider("INTEREST_RATE","Interest rate",0,20,2);KJE.DollarSlider("DOWN_PAYMENT","Down payment",0,1000000);KJE.DollarSlider("OTHER_FEES_BUY","Other fees",0,100000);KJE.PercentSlider("SALES_TAX_RATE","Sales tax rate",0,30,2);KJE.PercentSlider("RATE_OF_DEPRECIATION","Annual depreciation",0,25,0);KJE.InvestRateSlider("INVESTMENT_ROR","Investment rate of return");KJE.Label("NET_COST_OF_LEASE","Net cost of lease",null,null,"KJEBold");KJE.Label("NET_COST_OF_PURCHASE","Net cost of buying",null,null,"KJEBold");var j=KJE.gNewGraph(KJE.gCATEGORIES,"GRAPH1",true,false,KJE.colorList[1],KJE.parameters.get("MSG_GRAPH_TITLE","Net Cost of Buying vs. Leasing"));j._legend.setVisible(false);j._legend._iOrientation=(c.TOP_RIGHT);j._showItemLabel=true;j._bPopDetail=true;var b=KJE.parameters.get("MSG_DROPPER_TITLE","Vehicle information:");var e=KJE.parameters.get("MSG_DROPPER_CLOSETITLE","Vehicle price of KJE2 with a KJE1 down payment.");var g=function(){return b+KJE.subText(KJE.getKJEReplaced(e,i.DOWN_PAYMENT.getFormatted(),i.CAR_PRICE.getFormatted(),i.SALES_TAX_RATE.getFormatted()),"KJECenter")};KJE.addDropper(new KJE.Dropper("INPUTS",true,b,g),KJE.colorList[0]);var o=KJE.parameters.get("MSG_DROPPER2_TITLE","Buy option:");var h=KJE.parameters.get("MSG_DROPPER2_CLOSETITLE","Payment KJE1");var m=function(){return o+"|"+KJE.subText(KJE.getKJEReplaced(h,f.dollars(n.LOAN_PAYMENT,2)),"KJERightBold")};KJE.addDropper(new KJE.Dropper("INPUTS2",false,m,m),KJE.colorList[0]);var a=KJE.parameters.get("MSG_DROPPER3_TITLE","Lease option:");var d=KJE.parameters.get("MSG_DROPPER3_CLOSETITLE","Payment KJE1");var k=function(){return a+"|"+KJE.subText(KJE.getKJEReplaced(d,f.dollars(n.MONTHLY_PAYMENT,2)),"KJERightBold")};KJE.addDropper(new KJE.Dropper("INPUTS3",false,k,k),KJE.colorList[0])};KJE.BuyvsLease.prototype.setValues=function(b){var a=KJE.inputs.items;b.TERM=a.TERM.getValue();b.SECURITY_DEPOSIT=a.SECURITY_DEPOSIT.getValue();b.OTHER_FEES_LEASE=a.OTHER_FEES_LEASE.getValue();b.CAR_PRICE=a.CAR_PRICE.getValue();b.INTEREST_RATE=a.INTEREST_RATE.getValue();b.DOWN_PAYMENT=a.DOWN_PAYMENT.getValue();b.OTHER_FEES_BUY=a.OTHER_FEES_BUY.getValue();b.SALES_TAX_RATE=a.SALES_TAX_RATE.getValue();b.RATE_OF_DEPRECIATION=a.RATE_OF_DEPRECIATION.getValue();b.INVESTMENT_ROR=a.INVESTMENT_ROR.getValue();b.LOAN_TERM=a.LOAN_TERM.getValue();b.LEASE_INTEREST=a.LEASE_INTEREST.getValue();b.RESIDUAL_PERCENT=a.RESIDUAL_PERCENT.getValue()};KJE.BuyvsLease.prototype.refresh=function(e){var d=KJE;var c=KJE.gLegend;var b=KJE.inputs.items;var a=KJE.gGraphs[0];a.removeAll();a.setGraphCategories(e.cats);a.add(new KJE.gGraphDataSeries(e.DS_NET,"Test",a.getColor(1)));a.paint();b.NET_COST_OF_LEASE.setText(d.dollars(e.NET_COST_OF_LEASE,2));b.NET_COST_OF_PURCHASE.setText(d.dollars(e.NET_COST_OF_PURCHASE,2))};KJE.InputScreenText="
**ROR_DEFINITION**
Compra | Arrendamiento | ||
---|---|---|---|
Precio de compra | CAR_PRICE | Precio de arrendamiento | CAR_PRICE |
Tasa de interés | INTEREST_RATE | Tasa de interés | LEASE_INTEREST |
Desembolso inicial | DOWN_PAYMENT | Desembolso inicial | DOWN_PAYMENT |
Otros cargos de compra | OTHER_FEES_BUY | Otros cargos de arrendamiento | OTHER_FEES_LEASE |
Tasa de depreciación | RATE_OF_DEPRECIATION | Porcentaje residual | RESIDUAL_PERCENT |
Impuesto de ventas | SALES_TAX | Depósito de garantía | SECURITY_DEPOSIT |
Monto del préstamo | LOAN_AMOUNT | ||
Pago del préstamo | LOAN_PAYMENT | Pago de arrendamiento | MONTHLY_PAYMENT |
Costo neto de comprar | Costo neto de arrendar | ||
---|---|---|---|
Pagos totales del préstamo | + TOTAL_PAYMENTS | Pagos totales de arrendamiento | + TOTAL_LEASE_PAYMENTS |
Intereses perdidos en opción de compra | + LOST_INTEREST_ON_BUY | Intereses perdidos en costos iniciales | + LOST_INTEREST_ON_LEASE |
Desembolso inicial | + DOWN_PAYMENT | Costos iniciales | + TOTAL_UPFRONT_COSTS |
Saldo final del préstamo | + ENDING_LOAN_BALANCE | ||
Valor en el mercado después de TERM meses* | - MARKET_VALUE_AT_END_OF_LOAN | ||
Costo neto de compra | = NET_COST_OF_PURCHASE | Costo neto de arrendamiento | = NET_COST_OF_LEASE |