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<head><script type="text/javascript">
//*******************************************
//DO NOT REMOVE THIS COPYWRITE INFO!
//Loan Comparison Calculator
//1997 Daniel C. Peterson ALL RIGHTS RESERVED
//Created: 09/26/1997
//Last Modified: 04/21/2009
//This script may not be copied, edited, distributed or reproduced
//without express written permission from
//Daniel C. Peterson of Web Winder Website Services
//For commercial use rates, contact:
//Dan Peterson:
//Web Winder Website Services
//P.O. Box 11
//Bemidji, MN  56619
//dan@webwinder.com
//http://www.webwinder.com
//Commercial User Licence #:7579-1662-2-1580
//Commercial Licence Date:2013-07-13
//*******************************************



function computeMonthlyPayment(prin, numPmts, intRate) {

var pmtAmt = 0;

if(intRate == 0) {
   pmtAmt = prin / numPmts;
} else {
     intRate = intRate / 100.0 / 12;

   var pow = 1;
   for (var j = 0; j < numPmts; j++)
      pow = pow * (1 + intRate);

   pmtAmt = (prin * pow * intRate) / (pow - 1);

}

return pmtAmt;

}




function computeFixedInterestCost(principal, intRate, pmtAmt) { 

   var i = eval(intRate);
   i /= 100;
   i /= 12;

   var prin = eval(principal);
   var intPort = 0;
   var accumInt = 0;
   var prinPort = 0;
   var pmtCount = 0;
   var testForLast = 0;


   //CYCLES THROUGH EACH PAYMENT OF GIVEN DEBT
   while(prin > 0) {

      testForLast = (prin * (1 + i));

      if(pmtAmt < testForLast) {
         intPort = prin * i;
         accumInt = eval(accumInt) + eval(intPort);
         prinPort = eval(pmtAmt) - eval(intPort);
         prin = eval(prin) - eval(prinPort);
      } else {
      //DETERMINE FINAL PAYMENT AMOUNT
      intPort = prin * i;
      accumInt = eval(accumInt) + eval(intPort);
      prinPort = prin;
      prin = 0;
      }

      pmtCount = eval(pmtCount) + eval(1);

      if(pmtCount > 1000 || accumInt > 1000000000) {
         prin = 0;
      }

   }

return accumInt;

}




function fn(num, places, comma) {

var isNeg=0;

    if(num < 0) {
       num=num*-1;
       isNeg=1;
    }

    var myDecFact = 1;
    var myPlaces = 0;
    var myZeros = "";
    while(myPlaces < places) {
       myDecFact = myDecFact * 10;
       myPlaces = Number(myPlaces) + Number(1);
       myZeros = myZeros + "0";
    }
    
	onum=Math.round(num*myDecFact)/myDecFact;
		
	integer=Math.floor(onum);

	if (Math.ceil(onum) == integer) {
		decimal=myZeros;
	} else{
		decimal=Math.round((onum-integer)* myDecFact)
	}
	decimal=decimal.toString();
	if (decimal.length<places) {
        fillZeroes = places - decimal.length;
	   for (z=0;z<fillZeroes;z++) {
        decimal="0"+decimal;
        }
     }

   if(places > 0) {
      decimal = "." + decimal;
   }

   if(comma == 1) {
	integer=integer.toString();
	var tmpnum="";
	var tmpinteger="";
	var y=0;

	for (x=integer.length;x>0;x--) {
		tmpnum=tmpnum+integer.charAt(x-1);
		y=y+1;
		if (y==3 & x>1) {
			tmpnum=tmpnum+",";
			y=0;
		}
	}

	for (x=tmpnum.length;x>0;x--) {
		tmpinteger=tmpinteger+tmpnum.charAt(x-1);
	}


	finNum=tmpinteger+""+decimal;
   } else {
      finNum=integer+""+decimal;
   }

    if(isNeg == 1) {
       finNum = "-" + finNum;
    }

	return finNum;
}




function sn(num) {

   num=num.toString();


   var len = num.length;
   var rnum = "";
   var test = "";
   var j = 0;

   var b = num.substring(0,1);
   if(b == "-") {
      rnum = "-";
   }

   for(i = 0; i <= len; i++) {

      b = num.substring(i,i+1);

      if(b == "0" || b == "1" || b == "2" || b == "3" || b == "4" || b == "5" || b == "6" || b == "7" || b == "8" || b == "9" || b == ".") {
         rnum = rnum + "" + b;

      }

   }

   if(rnum == "" || rnum == "-") {
      rnum = 0;
   }

   rnum = Number(rnum);

   return rnum;

}

function computeLoan(line) {

   var VintRate_cel = document.getElementById("interest_" + line + "");
   var VnumPmts_cel = document.getElementById("numPmts_" + line + "");
   var Vprin_cel = document.getElementById("principal_" + line + "");

   var VintRate = sn(VintRate_cel.value);
   var VnumPmts = sn(VnumPmts_cel.value);
   var Vprin = sn(Vprin_cel.value);

   if(VnumPmts == 0) {
      alert("Please enter the number of monthly payments.");
      VnumPmts_cel.focus();
   } else
   if(VintRate == 0) {
      alert("Please enter the interest rate.");
      VintRate_cel.focus();
   } else
   if(Vprin == 0) {
      alert("Please enter the principal (amount borrowed).");
      Vprin_cel.focus();
   } else {

      var VpmtAmt = computeMonthlyPayment(Vprin, VnumPmts, VintRate);

      var VloanCost = computeFixedInterestCost(Vprin, VintRate, VpmtAmt);

      var VpmtAmt_cel = document.getElementById("payment_" + line + "");
      VpmtAmt_cel.value = "$" + fn(VpmtAmt,2,1);

      var VloanCost_cel = document.getElementById("totalint_" + line + "");
      VloanCost_cel.value = "$" + fn(VloanCost,2,1);

   }

}


function clear_line(line) {

   var VintRate_cel = document.getElementById("interest_" + line + "");
   var VnumPmts_cel = document.getElementById("numPmts_" + line + "");
   var Vprin_cel = document.getElementById("principal_" + line + "");
   var VpmtAmt_cel = document.getElementById("payment_" + line + "");
   var VloanCost_cel = document.getElementById("totalint_" + line + "");

   VnumPmts_cel.value = "";
   VintRate_cel.value = "";
   Vprin_cel.value = "";
   VpmtAmt_cel.value = "";
   VloanCost_cel.value = "";

}

function clear_results(line) {

   var VpmtAmt_cel = document.getElementById("payment_" + line + "");
   var VloanCost_cel = document.getElementById("totalint_" + line + "");

   VpmtAmt_cel.value = "";
   VloanCost_cel.value = "";

}</script>

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	<title>Newport Federal Bank - Business Opportunities</title>
<link href="../css/csstablestyle.css" rel="stylesheet" type="text/css" />
<style type="text/css">
.auto-style1 {
	border-width: 0px;
}
</style>
</head>
<body>
<form name="calc" method="post" action="#">

<table border='1' width='50%' cellpadding='4' cellspacing='0'  >
<tbody>

<tr> 
<td colspan="7" align="center">
<caption>Loan Comparison Calculator </caption>

<tr> 
<td colspan="7">
<font face='arial' size='2' color='#000000'>
This calculator will calculate the monthly payment and interest costs for up to four loans -- all on one screen -- for comparison purposes.
<p>
To calculate the payment amount and the total interest of any fixed term loan, simply fill in the 3 left-hand cells of the first row and then click on "Compute." Use the other three rows to see what effects are produced by changing any one of the loan's original variables.
</p>
</font>
</td>
</tr>

<tr> 
<td align="center"><font face='arial' size='2' color='#000000'><b>Principal</b></font></td>
<td align="center"><font face='arial' size='2' color='#000000'><b>Interest<br />Rate</b></font></td>
<td align="center"><font face='arial' size='2' color='#000000'><b># of<br />Payments</b></font></td>

<td align="center"><font face='arial' size='2' color='#000000'><b>Compute</b></font></td>
<td align="center"><font face='arial' size='2' color='#000000'><b>Monthly<br />Payment</b></font></td>
<td align="center"><font face='arial' size='2' color='#000000'><b>Total<br />Interest</b></font></td>
<td align="center"><font face='arial' size='2' color='#000000'><b>Reset</b></font></td>
</tr>


<tr> 
<td align="center"  >
<input type="text" id="principal_1" name="principal_1" size="9" onKeyUp="clear_results(1)" />
</td>

<td align="center"  >
<input type="text" id="interest_1" name="interest_1" size="6" onKeyUp="clear_results(1)" />
</td>

<td align="center"  >
<input type="text" id="numPmts_1" name="numPmts_1" size="5" onKeyUp="clear_results(1)" />
</td>

<td align="center"  >
<input TYPE="button" value="Compute" onClick="computeLoan(1)" />
</td>

<td align="center"  >
<input type="text" id="payment_1" name="payment_1" size="9" />
</td>

<td align="center"  >
<input type="text" id="totalint_1" name="totalint_1" size="9" />
</td>

<td align="center"  >
<input TYPE="button" value="Clear" onClick="clear_line(1)" />
</td>
</tr>


<tr> 

<td align="center"  >
<input type="text" id="principal_2" name="principal_2" size="9" onKeyUp="clear_results(2)" />
</td>

<td align="center"  >
<input type="text" id="interest_2" name="interest_2" size="6" onKeyUp="clear_results(2)" />
</td>

<td align="center"  >
<input type="text" id="numPmts_2" name="numPmts_2" size="5" onKeyUp="clear_results(2)" />
</td>

<td align="center"  >
<input TYPE="button" value="Compute" onClick="computeLoan(2)" />
</td>

<td align="center"  >
<input type="text" id="payment_2" name="payment_2" size="9" />
</td>

<td align="center"  >
<input type="text" id="totalint_2" name="totalint_2" size="9" />
</td>

<td align="center"  >
<input TYPE="button" value="Clear" onClick="clear_line(2)" />
</td>
</tr>

<tr> 
<td align="center"  >
<input type="text" id="principal_3" name="principal_3" size="9" onKeyUp="clear_results(3)" />
</td>

<td align="center"  >
<input type="text" id="interest_3" name="interest_3" size="6" onKeyUp="clear_results(3)" />
</td>

<td align="center"  >
<input type="text" id="numPmts_3" name="numPmts_3" size="5" onKeyUp="clear_results(3)" />
</td>

<td align="center"  >
<input TYPE="button" value="Compute" onClick="computeLoan(3)" />
</td>

<td align="center"  >
<input type="text" id="payment_3" name="payment_3" size="9" />
</td>

<td align="center"  >
<input type="text" id="totalint_3" name="totalint_3" size="9" />
</td>

<td align="center"  >
<input TYPE="button" value="Clear" onClick="clear_line(3)" />
</td>
</tr>

<tr> 

<td align="center"  >
<input type="text" id="principal_4" name="principal_4" size="9" onKeyUp="clear_results(4)" />
</td>

<td align="center"  >
<input type="text" id="interest_4" name="interest_4" size="6" onKeyUp="clear_results(4)" />
</td>

<td align="center"  >
<input type="text" id="numPmts_4" name="numPmts_4" size="5" onKeyUp="clear_results(4)" />
</td>

<td align="center"  >
<input TYPE="button" value="Compute" onClick="computeLoan(4)" />
</td>

<td align="center"  >
<input type="text" id="payment_4" name="payment_4" size="9" />
</td>

<td align="center"  >
<input type="text" id="totalint_4" name="totalint_4" size="9" />
</td>

<td align="center"  >
<input TYPE="button" value="Clear" onClick="clear_line(4)" />
</td>
</tr>



</tbody>
</table>

</form>
</body>