Mortgage Calculation

#!/usr/local/bin/perl @m = ("Foo","Jan","Feb","Mar","Apr","May","Jun","Jul","Aug","Sep","Oct","Nov","Dec", "B/W"); print<Mortgage Calculation

Mortgage Calculation

Header $arglist = $ENV{'QUERY_STRING'}; # For GET #read(STDIN,$arglist,$ENV{'CONTENT_LENGTH'}); # For POST $arglist =~ s/%([\da-f]{1,2})/pack(C,hex($1))/eig; $arglist =~ s/,//g; @f = split("&",$arglist); # Actually search for the keys since some browser obviously switches things! for ($i=0; $i<=$#f; $i++) { if (@f[$i] =~ /prin=/) { $prin = substr(@f[$i],5); } if (@f[$i] =~ /int=/) { $int = substr(@f[$i],4); } if (@f[$i] =~ /term=/) { $term = substr(@f[$i],5); } if (@f[$i] =~ /strt=/) { $strm = substr(@f[$i],5); } if (@f[$i] =~ /stry=/) { $stry = substr(@f[$i],5); } if (@f[$i] =~ /full=/) { $full = substr(@f[$i],5); } if (@f[$i] =~ /ppay=/) { $ppay = substr(@f[$i],5); } if (@f[$i] =~ /apay=/) { $apay = substr(@f[$i],5); } if (@f[$i] =~ /pay1=/) { $pay1 = substr(@f[$i],5); } if (@f[$i] =~ /ppno=/) { $ppno = substr(@f[$i],5); } if (@f[$i] =~ /outt=/) { $outt = substr(@f[$i],5); } } $stry2 = $stry; $tint2 = 0; for ($i = 1; $i < 13; $i++) { if (@m[$i] eq $strm) { $strt = $i; } } if (length($term) > 4) { $bi_week = 1; $term = 30; } # Canadian interest conversion if ($int =~ /C/) { $l = length($int) -1; $cint = substr($int,0,$l); print "$cint"; $mr = (1 + $cint/200)**(1/6) - 1; $int = $mr * 1200 ; printf("

US rate equivalent of %7.3f %% is %7.3f %%

\n",$cint,$int); } $tt = $term * 12; $i = $int / 1200; if ($tt == 0) { $tt = 360; } #$temp = (1.0 / (1 + $i) ** $tt); $temp = (1 + $i) ** -$tt; if ($temp < 1) { $paymt = ($prin * $i) / (1 - $temp); } else { $paymt = $prin / $tt; } $tint = $paymt * $tt - $prin; $bal = $prin; $yrint = 0; $yrprin = 0; $mm = 0; if ($apay =~ /B/) { $apay = $paymt; $bi_week = 1; } # Biweekly addition if ($outt =~ /Table/) { print "

For the given values:

\n"; print "

Principal	\$ $prin \n"; print "
Interest Rate	$int % \n"; print "
Amortization Period	$term years\n"; if ( $bi_week > 0) { print "BI-WEEKLY"; } if ( $ppay > 0) { print "
Monthly pre-payment	$ppay\n"; } print "
Starting month	@m[$strt] \n"; print "
Starting year	$stry \n"; print "
Monthly Pre-payment	\$ $ppay \n"; printf("
Annual Pre-payment	\$ %10.2f

\n",$apay); } else { print "

For the given values:

Principal = \$ $prin \n"; print "
Interest Rate = $int % \n"; print "
Amortization Period = $term years\n"; if ( $bi_week > 0) { print "BI-WEEKLY"; } if ( $ppay > 0) { print "
Monthly pre-payment = $ppay\n"; } print "
Starting month = @m[$strt] \n"; print "
Starting year= $stry \n"; print "
Monthly Pre-payment= \$ $ppay \n"; printf("
Annual Pre-payment= \$ %10.2f

\n",$apay); } if ($bi_week > 0) { printf("

Your biweekly payment will be \$ %10.2f

\n",$paymt/2);} else { printf("

Your monthly payment will be \$ %10.2f

\n",$paymt); } if ( $ppay > 0) { printf ("

+ Monthly Prepayment of \$ %10.2f = \$ %10.2f

\n", $ppay,$paymt+$ppay); } print "

The following mortgage would result for $stry :

Month	Prin	Int	Balance\n"; } # First year for ($j = $strt; $j <= 12; $j++) { $mm++; if ($mm == $ppno) { $bal = $bal - $pay1; if ($outt =~ /Table/) { print "

Prepayment Time : \$ %10.2f : Principal \$ %10.2f

%3s : Prin: \$ %10.2f Int: \$ %10.2f Bal \$ %10.2f\n", @m[$j], $mprin, $mint, $bal); } else { # Table printf("

%3s

%10.2f

%10.2f\n", @m[$j], $mprin, $mint, $bal); } } if ($apay > 0) { $bal = $bal - $apay; $yrprin = $yrprin + $apay; if ($bi_week > 0) { $tag = "BiWeekly Adj"; } else { $tag = "PREPAY"; } if ($outt =~ /Table/) { print "

$tag: Prin: \$ %10.2f Int: \$ %10.2f Bal \$ %10.2f\n", $apay, 0, $bal); } if ($outt =~ /Table/) { print "\n"; } print "
"; printf("

FOR %4d : Int=\$ %10.2f Prin=\$ %10.2f Bal=\$ %10.2f\n", $stry2, $yrint, $yrprin, $bal); $tint2 = $tint2 + $yrint; # Now do the rest of the amortization $first_yr = $yrint; $lft = $term - 1; for ($y = 1; $y <=$term; $y++) { if ($full eq "Yes" & $yrint > 0) { $stry3 = $stry2 + 1; $y2 = $y + 1; $lft2 = $term - $y2 + 1; #if ($outt =~ /Table/) { print "\n"; } if ($bal > 0) { print "

For Calendar Year $stry3 (Year $y2, $lft2 left)

\n"; if ($outt =~ /Table/) { print "\n"; print "

Month	Prin	Int	Balance\n"; } } } $yrint = 0; $stry2++; $lft = $term - $y; $yrprin = 0; for ($j = 1; $j <= 12; $j++) { $mm++; if ($mm == $ppno) { $bal = $bal - $pay1; printf(" Prepayment Time : \$ %10.2f : Principal \$ %10.2f \n", $pay1, $bal); } if ($bal > 1) { $mint = $i * $bal; $bal = $bal - $paymt + $mint - $ppay; $yrint = $yrint + $mint; $mprin = $paymt - $mint + $ppay; $yrprin = $yrprin + $mprin; $tm++; if ($full eq "Yes") { if (!($outt =~ /Table/)) { printf(" %2s : Prin: \$ %10.2f Int: \$ %10.2f Bal \$ %10.2f\n", @m[$j],$mprin, $mint, $bal); } else { printf("
%2s	%10.2f	%10.2f	%10.2f\n", @m[$j],$mprin, $mint, $bal); } } } else { if ($outt =~ /Table/) { print "

\n"; } } if ($j == 12 | $bal < 1) { if ($apay > 0 && $bal > 0) { $bal = $bal - $apay; $yrprin = $yrprin + $apay; if ($bi_week > 0) { $tag = "BiWeekly Adj"; } else { $tag = "PREPAY"; } if ($outt =~ /Table/) { print "\n"; } printf("

$tag : Prin: \$ %10.2f Int: \$ %10.2f Bal \$ %10.2f\n", $apay, 0, $bal); } if ($yrprin > 0 & $bal >= 0) { if ($outt =~ /Table/) { print "\n"; } printf("
FOR %4d : Int=\$ %10.2f Prin=\$ %10.2f Bal=\$ %10.2f\n", $stry2, $yrint, $yrprin, $bal); } if ($bal < 1) { $j = 12; } $tint2 = $tint2 + $yrint; } } if ($y == 1) { $yr2_nam = $stry2; $snd_yr = $yrint; $yr2_bal = $bal;} } # End main loop $aint = $tint2 / $term /12; if ($outt =~ /Table/) { print "\n"; } print"

Where the final summary is

Monthly Payment: \$ %10.2f\n
Total Int:\$ %10.2f(No pre-payment)\n
Total Int:\$ %10.2f (As given)\n", $paymt, $tint, $tint2); if ($tint2 > 0) { printf ("
SAVINGS: \$ %10.2f Total Interest Saved, %5.2f Years shorter loan\n", $tint-$tint2, ($tt - $tm)/12); } printf ("
%4s Int \$ %10.2f\n
%4s Int \$ %10.2f\n", $stry, $first_yr, $yr2_nam, $snd_yr); printf ("
End Bal Dec $yr2_nam: \$ %10.2f\n",$yr2_bal); printf ("
Avg Int each Month: \$ %10.2f\n",$aint); if ($apay > 0) { $naint = $tint / $tt; printf("
SAVINGS: Normal Avg Int/Month : \$ %10.2f, You Save \$ %10.2f\n", $naint, $naint - $aint); } print "

\n"; # $req_income_28 = $paymt /.28 * 12; $req_income_36 = $paymt /.36 * 12; #print "To qualify for this loan you would need an annual income of:\n

at 28 percent qualifying limit: \$ %10.2f\n",$req_income_28); #printf("
at 36 percent qualifying limit: \$ %10.2f\n",$req_income_36); #print("
(Assuming no property tax and insurance )\n"; #print "

\n"; print ""; print "Look here for qualifying income requirements"; print<