 
 Т > Payment 0.10 06-Jan-2005 -Т Calculate mortgage repayment terms, etc Т J.G.Harston (: 23Т Grrr. Can't get working - needs more research <: F
О26,12 P&Я "Mortgage Repayments Calculator" Z'Я "=============================="' dН ┘ Ж:Г ÷<>17:Ю nУ x=Я'"1: Loan table"'"2: Fixed repayment table"'"0: Exit  "; ┌УA$=Ў:Щї"012",A$):Я ▄ГA$="1":РLoanTable √ ГA$="2":РFixedRepaymentTable ═ЩA$="0" ╙Ю Є: Ў: х: р: э(Т Display loan fixed repayment table Ф(Т ================================== ПщРFixedRepaymentTable ЗХ "Loan amount: "loanХ "Base APR:    "apr.Х "Initial monthly repayment:   "repayment.Х "Annual percentage increment: "increment"ш,)Я"      Monthly    Interest   Amount"6.Я"Year  Payments   Charged    Outstanding"@.Я"                            at year end"J:T]Т apr=apr/(1200):payment=loan*(apr/(1-(1+apr)^-(years*12)))            :REM Magic forumla^:hAyear=0                                  :Т No time passed yetrУ|%Я єd(year+1,3);єr(repayment,8,2);├Kloan0=loan                              :Т Loan amount at start of year░EЦ month=1 ╦ 12                       :Т Twelve monthly repayments (interest=(loan0*((1+apr/100)/12))/12є;loan=loan+interest                      :Т Add interestўGloan=loan-repayment                     :Т Deduct monthly repayment╦Мб:Я єr(loan-loan0+12*repayment,8,2); :Т Interest chargedл?Я єr(loan,8,2)                     :Т Amount at end of yearж@year=year+1                             :Т Another year goneЮIrepayment=repayment*(1+increment/100)   :Т Increase monthly repaymentЙGЩ loan<0                            :Т Loop until all loan paid offТАЧ::::&8Т Display loan table of monthly repayments and terms08Т ==================================================:щРLoanTableDХ "Loan amount: "loanNХ "Base APR:    "aprX(inc0=0:inc1=2:incs=0.25:yr0=17:yr1=2bшl&Я┴6"Loan: "loan;┴6"APR: ";apr;"%"'v/Я┴6"Initial monthly payment with increment"─Я"Term";┼"Ц increment=inc0 ╦ inc1 ┬ incs■Я єr(increment,5,2)"%";·М:Я╗)Ц years=yr0 ╦ yr1 ┬ -1:Я єd(years,3);╡$  Ц increment=inc0 ╦ inc1 ┬ incs╪7    payment=єloan_payment(loan,apr,years,increment)ф    Я єr(payment,6,2);п  М incrementз  ЯДМ yearsНАЬ::1Т Calculate monthly repayment to pay off loan1Т =========================================== "Т loan   = initial loan amount*4Т apr    = annual interest rate, applied monthly4)Т years  = maximum term to repay loan>)Т inc    = annual repayment incrementHТR8Т Returns: monthly repayment to pay loan within term\:f&щєloan_payment(loan,apr,years,inc)p"Й payment,term,step,dir,newdirzHpayment=loan │ (years*8)               :Т Initial guess at repayment└Astep=payment │ 2                       :Т Initial chop offset▌:≤CУ                                   :Т Trail increase repayment╒B  payment=payment+step                   :Т Increase repayment╛J  term=єloan_term(loan,apr,payment,inc) :Т See what term this gives usІNЩ term<years                         :Т Loop until term less than requiredю:йMdir=1                                    :Т Start by increasing repaymentтУчW  payment=payment+step*dir               :Т Raise or lower payment by a single stepХJ  term=єloan_term(loan,apr,payment,inc) :Т See what term this gives usР)  Г term>years ▄ newdir=1 ▀ newdir=-1ЭO  Г newdir<>dir ▄ step=step/2        :Т Reduce step when changing direction  dir=newdirЩ term=years:$]Т apr=apr/(1200):payment=loan*(apr/(1-(1+apr)^-(years*12)))            :REM Magic forumla.:8=paymentB:L:V:`:j(Т Calculate loan term with fixed APRt(Т ==================================~%Т loan      = initial loan amount┬7Т apr       = annual interest rate, applied monthly▓+Т repayment = initial monthly repayment°,Т increment = annual repayment incrementіТ╟AТ Returns   : number of years to repay whole loan, rounded up╨:д-щєloan_term(loan,apr,repayment,increment)н
Й yearь?year=0                                :Т No time passed yetБУЛCЦ month=1 ╦ 12                     :Т Twelve monthly repaymentsЖWloan=loan*((1+apr/100)^(1/12))    :Т Add interest - school taught me wrong formula! =Т loan=loan*(1+apr/1200)                :REM Add interest
Eloan=loan-repayment                   :Т Deduct monthly repaymentМ>year=year+1                           :Т Another year gone(Grepayment=repayment*(1+increment/100) :Т Increase monthly repayment2EЩ loan<0                          :Т Loop until all loan paid off<	=yearF:P:Z!Т Number formatting functionsd!Т ===========================n0щєr(A,I%,D%):=єd(╗A,I%)+"."+бц╗(A*10^D%),D%)x#щєd(A%,N%)=б"         "+цA%,N%)┌:▄]Т loan=loan*((1+apr/100)^(1/12))      :REM Add interest - school taught me wrong formula!Ъ