var TodaysDate=new Date()

var beloebMsg = 'Please input numbers only 0-9'; 
var verifyBoligPrisMsg = 'Loan amount must be between £10.000 and £100.000.000.'; var txt1 = 'Rate';
var txt2 = 'Loan duration (in years)';
var txt6 = 'Loan amount';
var txt7 = 'Calculate';
var txt11 = 'Calculated monthly repayment';
var txt12 = 'Calculated APR';

//Calculate functions
function setfocus(){
	   if (navigator.appName == 'Netscape') {
	    window.focus();
	   }
}

function getKeyCode(e){
var keynum
var keychar
var numcheck
if(window.event) // IE
{
keynum = e.keyCode
}
else if(e.which) // Netscape/Firefox/Opera
{
keynum = e.which
}
//keychar = String.fromCharCode(keynum)

return keynum
}

function verifyrange(tal, start, end, errormsg)
{
  if ((tal < start) || (tal > end))
  {
    alert(errormsg);
    return false;
  }
  return true;
}


function formatter(tal, decimaler)
{
  var fudge = 0.0001;

  tal = parseFloat(tal+"");
  
  tal = tal * Math.pow(10,decimaler);
  tal = Math.round(tal);
  tal = tal / Math.pow(10,decimaler);

  tal = tal+fudge;

  var result = "";
  var slutPotens = 0-decimaler;

  var potens = Math.floor(Math.log(tal) / Math.log(10));
  if (potens < 0) 
    potens = 0;
  
  while (potens >= slutPotens) {
    ciffer = Math.floor(tal / Math.pow(10,potens));
    result = result + ciffer;
    if ((potens == 0) && (decimaler > 0))
      result = result + ".";
    else if ((potens/3 == Math.floor(potens/3)) && (potens > 0))
      result = result + ".";
    tal = tal - ciffer*Math.pow(10,potens);
    potens = potens-1;
  }
  return result;
}


function fjerntegn(tal, fjern)
{
  var retval = "";
  for (i=0; i<tal.length; i++) {
    var tegn = tal.substring(i,i+1);
    if (tegn != fjern) {
	    retval += tegn;
    }
  }
  return retval;
}

function trimws(str)
{
  var firstnonws = 0;
  var tegn = str.substring(firstnonws,firstnonws+1);  
  
  while ((tegn == " ") && (firstnonws < str.length)) {
	firstnonws++;
    tegn = str.substring(firstnonws,firstnonws+1);
  }

  var lastnonws = str.length-1;
  tegn = str.substring(lastnonws,lastnonws+1);
  while ((tegn == " ") && (lastnonws >= 0)) {
	lastnonws--;
    tegn = str.substring(lastnonws,lastnonws+1);
  }

  if (firstnonws > lastnonws) 
    return "";
  else
    return str.substring(firstnonws,lastnonws+1);
}

function parse2decimaler(tal, punktumok)
{
  tal = trimws(tal);

  if (!punktumok && (tal.indexOf(".") != -1))
    return null;

  tal = fjerntegn(tal, ".");
  var pos = tal.lastIndexOf(","); 
  if (pos == -1) {
    if (characterCheck(tal, "n")) {
	  return parseInt(tal,10);
	}
	else
	  return null;
  }

  if (tal.indexOf(",") != tal.lastIndexOf(","))
    return null;
 
  var cifreEfterKomma = tal.length - pos - 1;
  if (cifreEfterKomma > 2) {
    return null;
  }
  tal = fjerntegn(tal, ",");

  if (characterCheck(tal, "n")) {
    return (parseInt(tal,10) / Math.pow(10, cifreEfterKomma));
  }
  else
    return null;
}

function characterCheck(str,type){

  if((str == "") || (str == null)){
    return false;
  }

  var validchars;
  if (type == "n"){
    validchars = "0123456789";
  } else if(type == "a") {
    validchars = "abcdefghijklmnopqrstuvwxyzæøå";
  }
  for(j = 0; j < str.length; j++){
    var ch = str.substring(j,j+1);
    if (validchars.indexOf(ch) == -1)          
    {
      return false;
    }
  }
  return true;
}     

function calcIntrest(nom){
	i = (Math.pow((1+nom),(1/3)))-1;
	return i;
}

function retIntrest(nom){
	i = ((Math.pow((nom+1),12))-1)*100;
	return i;
}

function retIntrestQuarter(nom){
	i = ((Math.pow((nom+1),4))-1)*100;
	return i;
}

function vistabel(form)
{
  var loebetid = form.loebetid.selectedIndex * 5 + 10;

  var rente = trimws(form.rente.value);
  rente = parse2decimaler(rente, false);
  if (rente == null) {
    alert(renteMsg);
    return;
  }

  var beloeb = trimws(form.BeloebOut.value);
  if (beloeb == "") {
    alert(nocalcMsg);
    return;
  }

  beloeb = parse2decimaler(beloeb, true);
  if (beloeb == null) {
    alert(beloebMsg);
    return;
  }

  var skattepct = trimws(form.skattepct.value);
  if(beloeb == "") {
    alert(skattepctMsg);
    return;
  }

  skattepct=parse2decimaler(skattepct,false);
  if(skattepct == null) {
    alert(skattepctMsg);
    return;
  }

  var tableurl = "/Link/AmortTable?openDocument&";
  tableurl = tableurl + "skattepct="+skattepct+"&loebetid=" + loebetid + "&hovedstol=" + beloeb + "&rente=" + rente;
  window.location = location.protocol + '//' + location.host +tableurl;
}


//Calculate payments
//function ydelsesforloeb(rente,loebetid,beloeb,fixrate,stdrate,brutto,bruttostd) {
  //årlig rente, løbetid i år, samlet beløb
  //var n = loebetid*12; //månedlige afdrag
  //var ydelse = brutto;
  //var ydelser = new Array();
  //var m_rente = rente/12; //månedlig rente til tilskrivning af rente
  //var a_rente=0;  		//akkumuleret rente
  //var pris = 0;
  //var rest = beloeb;
  //var termin = 0;
  
  //while(rest > ydelse) {
//if(fixrate>0 && termin == (fixrate*12)+1){
//var bruttostd = Calcpayment(rest, (n-termin)/12, stdrate);
//bruttostd = "" + (bruttostd*100)/100
//var re = /\d*.\d\d/;
//var arrValue = re.exec (bruttostd);
//bruttostd = arrValue[0];
//bruttostd = Math.round(bruttostd*100)/100
//m_rente = stdrate/12;
//ydelse = bruttostd
//alert(bruttostd)
//}
    //a_rente = a_rente + rest*(m_rente);
      //tilskriv rente
     // rest = rest - ydelse + a_rente;
     // ydelser[termin] = ydelse;
      //a_rente = 0;
    
    //termin = termin + 1;
  //}
  //a_rente = a_rente + rest*(m_rente);
 // rest = rest + a_rente;
  //ydelser[termin] = rest + 125;
//  return ydelser;
//}

function ydelsesforloeb(rente,loebetid,beloeb,brutto) {
  //årlig rente, løbetid i år, samlet beløb
  var n = 12*loebetid; //månedlige afdrag
  var m_rente = calcIntrest(rente/4); //månedlig rente til beregning af ydelse
  //var ydelse = ( m_rente / (1- Math.pow(1+m_rente,-n)))*beloeb;
  //ydelse = Math.ceil(ydelse);
ComInt = (Math.pow((1+rente/4 ),(1/3))) - 1
  ydelse = (beloeb*ComInt*(Math.pow((1+ComInt),(loebetid*12))))/((Math.pow((1+ComInt),(loebetid*12)))- 1)
//ydelse = brutto

  var ydelser = new Array();
  m_rente = rente/12; //månedlig rente til tilskrivning af rente
  var a_rente=0;  		//akkumuleret rente
  var pris = 0;
  var rest = beloeb;
  var termin = 0;
  


  while(rest > ydelse) {
    a_rente = a_rente + rest*(m_rente);
    if( (termin + 1) % 3 == 0) {
      //tilskriv rente
//alert("Tilskriv! - Termin: " + termin+ " " + rest + " " + ydelse+ " " + a_rente);
rest = rest - ydelse + a_rente;
      ydelser[termin] = ydelse;
      a_rente = 0;

    }
    else {
//alert("Termin: " + termin+ " " + rest + " " + ydelse+ " " + a_rente);
      ydelser[termin] = ydelse;
      rest = rest - ydelse;
    }
    termin = termin + 1;
  }
  a_rente = a_rente + rest*(m_rente);
  rest = rest + a_rente;
  ydelser[termin] = rest+125;
//alert(rest+125)
  return ydelser;
}


//Calculate APR
function AOP(rente, loebetid, hovedstol,omkostninger,fixrate,stdrate,brutto) {
  var y = ydelsesforloeb(rente,loebetid,hovedstol,brutto);
  
  //binær søgning efter rente,r, så tilbagedisk(y,r,loebetid) = hovedstol
  var r1 = rente;
  var r2 = rente*2;
  var p1 = tilbagedisk(y,r1,loebetid);
  var p2 = tilbagedisk(y,r2,loebetid);
  


  while(p1 < (hovedstol-omkostninger)) {
    r1 = r1/2;
    p1 = tilbagedisk(y,r1,loebetid);
  }
  while(p2 > (hovedstol-omkostninger)) {
    r2 = r2*2;
    p2 = tilbagedisk(y,r2,loebetid);
  }
  
  var r = (r1 + r2)/2;
  var cont = true;
  
  while(cont) {
    r = (r1 + r2)/2;
    if(Math.round(tilbagedisk(y,r,loebetid)*1000000) == Math.round((hovedstol-omkostninger)*1000000))
      cont = false;
    else {    
      if(tilbagedisk(y,r,loebetid) < (hovedstol-omkostninger))
        r2 = r;
      else
        r1 = r;
    }
  }
//alert(r*100)
  return r*100;
}


function tilbagedisk(ydelsesforloeb, rente, loebetid) {
  //årlig rente, loebetid i år
  var n = 12*loebetid; //månedlige afdrag
  m_rente = (Math.pow((rente+1),(1/12)))-1;
  //alert('m_rente = ' + m_rente);
  var result = 0;
  
  //alert('ydelsesforloeb.length: ' + ydelsesforloeb.length);
  for(i = 0; i < ydelsesforloeb.length; i++) {
    //alert('i = ' + i);
    result = result + ydelsesforloeb[i]*Math.pow((1+m_rente),-(i+1));
    //alert(ydelsesforloeb[i]*Math.pow((1+m_rente),-(i+1)));
  }
  return result;
}

//function Calcpayment(a, n, p){
//alert("a: " + a + " n: " + n + " p: " + p)
//var acc=0;
//n = n *12
//		var base = 1 + p/12;
//		for (i=1;i<=n;i++) 
//			{ acc += Math.pow(base,-i); }
//		return a/acc;
//
//}

function Calcpayment(a, n, p){
//alert("a: " + a + " n: " + n + " p: " + p)

ComInt = (Math.pow((1+p/4 ),(1/3))) - 1

repay = (a*ComInt*(Math.pow((1+ComInt),(n*12))))/((Math.pow((1+ComInt),(n*12)))- 1)
return repay;

}

function conv_number(expr, decplaces){
var str = "" + Math.round(eval(expr) * Math.pow(10,decplaces));
while (str.length <= decplaces){
str = "0" + str;
}
var decpoint = str.length - decplaces;
return (str.substring(0,decpoint) + "." + str.substring(decpoint,str.length));
}



//Calculate mortgage loan
function beregn(form,ad) {
document.getElementById("resultavd").style.display = 'none';


var loebetid = parseInt(form.loebetidavd.value);
var beloeb = parseInt(form.BeloebInavd.value);
var PropValue = parseInt(form.PropValueavd.value);
var exist = parseInt("0")
//parseInt(form.ExistNBLoanavd.value);

if(!PropValue || PropValue < 25000){
alert("Please enter a value of the property higher than &#8364;25000!")
document.getElementById("lamtohighavd").innerHTML = ''
document.getElementById("CalcCLTVavd").innerHTML = '0.00%'
document.getElementById("PropValueavd").value = ''
document.getElementById("PropValueavd").focus()
return
}
if(!beloeb || beloeb < 10000){
alert("Loan amount must be £10000 or higher!")
document.getElementById("lamtohighavd").innerHTML = ''
document.getElementById("CalcCLTVavd").innerHTML = '0.00%'
document.getElementById("BeloebInavd").value = ''
document.getElementById("BeloebInavd").focus()
return
}
if(!loebetid){
alert("Please enter a loan duration between 1 and 30 years!")
document.getElementById("loebetidavd").value = ''
document.getElementById("loebetidavd").focus()
return
}
lammsgexist = '';
lamm = beloeb;
if(exist > 0){
lamm = beloeb+exist
lammsgexist = " and existing NB loan is £" + exist
}
if(lamm > (1*PropValue)){
if(exist > 0){maxlam = (1*PropValue)-exist; LTV = (exist/propval)*100}
else {maxlam = (1*PropValue); LTV = 0}
alert("Loan amount too high! Maximum LTV is 100%, maximum loan amount is £" + maxlam + " when property value is £" + PropValue + lammsgexist)
document.getElementById("lamtohighavd").innerHTML = ''
if(LTV > 100){
document.getElementById("lamtohighavd").innerHTML = "<font color='red'>Too high! Max. 100% </font>"
}
document.getElementById("CalcCLTVavd").innerHTML = formatter(LTV,2) + '%'
document.getElementById("BeloebInavd").value = ''
document.getElementById("BeloebInavd").focus()
return
}




var re = /\d*.\d\d/;


var fixrate = 0
var bruttostd = 0
var stdrate = parse2decimaler(standardrate, true)
stdrate = stdrate/100
var fixedfee = parseInt(fixedfee)
var arrfee = parseInt(arrangementfee)
var MaxLTV = parseInt("1")
var BaseRateECB = parse2decimaler(ECBBaseRate, true)

//var Tier1 = parse2decimaler("0,75", true)
//var Tier2 = parse2decimaler("0,94", true)
//var Tier3 = parse2decimaler("1", true)
//var Tier4 = parse2decimaler("1", true)

var Margin1 = parse2decimaler("0,59", true)
var Margin2 = parse2decimaler("0,99", true)
var Margin3 = parse2decimaler("1,49", true)
//var Margin4 = parse2decimaler("0,59", true)


//var Band1 = PropValue*Tier1
//var Band2 = PropValue*Tier2
//var Band3 = PropValue*Tier3
//var Band4 = PropValue*Tier4
//var Band1Allowed = Band1
//var Band2Allowed = Band2-Band1
//var Band3Allowed = Band3-Band2
//var Band4Allowed = Band4-Band3
//var BandTotalAllowed = PropValue
//var BandTotalBorrowing = exist+beloeb

//var Band1Borrowing = Math.min(BandTotalBorrowing,Band1Allowed)
//var Band2Borrowing = Math.min(BandTotalBorrowing-Band1Borrowing,Band2Allowed)
//var Band3Borrowing = Math.min(BandTotalBorrowing-(Band1Borrowing+Band2Borrowing),Band3Allowed)
//var Band4Borrowing = Math.min(BandTotalBorrowing-(Band1Borrowing+Band2Borrowing+Band3Borrowing),Band4Allowed)
//var Band1Weight = Band1Borrowing/BandTotalBorrowing
//var Band2Weight = Band2Borrowing/BandTotalBorrowing
//var Band3Weight = Band3Borrowing/BandTotalBorrowing
//var Band4Weight = Band4Borrowing/BandTotalBorrowing
//var Band1Margin = Margin1*Band1Weight 
//var Band2Margin = Margin2*Band2Weight
//var Band3Margin = Margin3*Band3Weight
//var Band4Margin = Margin4*Band4Weight
//var BandTotalMargin = Band1Margin+Band2Margin+Band3Margin

//var ltvpropvalue = 0.8*PropValue

//if(BandTotalBorrowing > ltvpropvalue){BandTotalMargin = Margin3;}

ltvcalc =beloeb/PropValue

if(ltvcalc<0.75){RateECB = BaseRateECB + Margin1;BandTotalMargin=Margin1;}
if(ltvcalc>=0.75 && ltvcalc<0.95){RateECB = BaseRateECB + Margin2;BandTotalMargin=Margin2;}
if(ltvcalc>=0.95){RateECB = BaseRateECB + Margin3;BandTotalMargin=Margin3;}

//RateECB = BaseRateECB + BandTotalMargin


var productrates = RateECB;
pv = beloeb // hovedstol
pmtloebetid = loebetid

document.getElementById("ECBRefRate").innerHTML = formatter(BaseRateECB,2) + "%";

document.getElementById("ECBCustRate").innerHTML = formatter(productrates,2) + "%";

document.getElementById("ECBdiff").innerHTML = formatter(BandTotalMargin,2) + "%";




var rente = productrates

rente = rente/100

var brutto;


brutto = Calcpayment(beloeb, pmtloebetid, rente);
//alert(brutto)
brutto = "" + (brutto*100)/100
var arrValue = re.exec (brutto);
brutto = arrValue[0];
//brutto = Math.round(brutto*100)/100




document.getElementById("ECBPmtavd").innerHTML = "£" + brutto;


      	// beregn åop

//alert(AOP(rente,pmtloebetid,pv,arrfee,fixrate,stdrate,brutto))
NewAPR = Math.round(AOP(rente,pmtloebetid,pv,arrfee,fixrate,stdrate,brutto)*10)/10 + "%";
document.getElementById("ECBAPRavd").innerHTML = NewAPR

document.getElementById("resultavd").style.display = '';
}


//Update fields
function UpdateFields(Fid,event){
//alert(propertyvalue)
wkey = getKeyCode(event)
document.getElementById("resultavd").style.display = 'none';

chkcurval = document.getElementById(""+Fid).value

if(wkey > 46){
if(!characterCheck(chkcurval,"n")){
alert(beloebMsg);
document.getElementById(""+Fid).value = '';
document.getElementById(""+Fid).focus();
return;
}
}

ad = "avd"
existloan = 0;
//existloan = parseInt(existloan)
propval = document.getElementById("PropValueavd").value
lam = document.getElementById("BeloebInavd").value
//lam = parseInt(lam)
if(propval != '' && propval > 0){
if(lam || existloan){calcLTV(propval,lam,existloan,ad,Fid)}
}
if(propval == ''){
document.getElementById("lamtohighavd").innerHTML = ''
document.getElementById("CalcCLTVavd").innerHTML = '0.00%'
}


testdu = document.getElementById("loebetid"+ad).value
if(testdu != '' && testdu < 1 || testdu > 30){
alert("Please enter a loan duration between 1 and 30 years")
document.getElementById("loebetid"+ad).value = ''
document.getElementById("loebetid"+ad).focus()
return
}

}

//CALC LTV
function calcLTV(propval,lam,existloan,ad,Fid){
propval = parseInt(propval)
if(lam){
lam = parseInt(lam)
}
if(existloan){
existloan = parseInt(existloan)
}

if(lam != '' && existloan != ''){lam = lam + existloan;}
if(lam != '' && existloan == ''){lam = lam;}
if(lam == '' && existloan != ''){lam = existloan;}

//alert(lam)
LTV = (lam/propval)*100
document.getElementById("lamtohighavd").innerHTML = ''
if(LTV > 100){
document.getElementById("lamtohighavd").innerHTML = "<font color='red'>Too high! Max. 100% </font>"
}
document.getElementById("CalcCLTVavd").innerHTML = formatter(LTV,2) + '%'

}