`); w.document.close(); } /*************************************************************** * buildShpitzerSchedule - ללא הצמדה ***************************************************************/ function buildShpitzerSchedule(rowData){ let {amount, years, annualInterest}= rowData; let schedule= []; let n= years*12; let monthlyRate= annualInterest/12; let balance= amount; let payment=0; if(monthlyRate>0){ payment= amount*(monthlyRate*Math.pow(1+monthlyRate,n)) / (Math.pow(1+monthlyRate,n)-1); } else { payment= amount/n; } for(let i=1; i<=n; i++){ let startBalance= balance; let indexAdd= 0; let interest= startBalance*monthlyRate; let principal= payment- interest; if(principal> balance){ principal= balance; } let endBalance= startBalance- principal; schedule.push({ month: i, startBalance, indexAdd, interest, principal, payment, endBalance }); balance= endBalance; if(balance<=0) break; } return schedule; } /*************************************************************** * buildShpitzerIndexSchedule - שפיצר עם הצמדה ***************************************************************/ function buildShpitzerIndexSchedule(data){ let {amount, years, annualInterest, yearlyIndex}= data; let schedule= []; let n= years*12; let monthlyRate= annualInterest/12; let monthlyIndex= yearlyIndex/12; let balance= amount; // תשלום חודשי קבוע (simplistic approach) let payment=0; if(monthlyRate>0){ payment= amount*(monthlyRate*Math.pow(1+monthlyRate,n)) / (Math.pow(1+monthlyRate,n)-1); } else { payment= amount/n; } for(let i=1; i<=n; i++){ let startBalance= balance; let indexAdd= startBalance* monthlyIndex; balance+= indexAdd; let interest= balance* monthlyRate; let principal= payment- interest; if(principal> balance){ principal= balance; } let endBalance= balance- principal; schedule.push({ month: i, startBalance, indexAdd, interest, principal, payment, endBalance }); balance= endBalance; if(balance<=0.01) break; } return schedule; } function gatherMaslulData(el){ let amountStr= (el.querySelector(".maslul-amount")?.value||"").replace(/,/g,"")||"0"; let method= (el.querySelector(".maslul-method")?.value||"").toLowerCase(); let yearsStr= el.querySelector(".maslul-years")?.value||"0"; let interestStr= (el.querySelector(".maslul-interest")?.value||"").replace(/[^\d.]/g,"")||"0"; let indexStr= (el.querySelector(".maslul-index")?.value||"").replace(/[^\d.]/g,"")||"0"; return { amount: parseFloat(amountStr)||0, years: parseFloat(yearsStr)||0, annualInterest: parseFloat(interestStr)/100||0, yearlyIndex: parseFloat(indexStr)/100||0, method }; }