var perio, t, ntot, capi, eche, devise;
ntot = 12;
function veriform(form) {
capi = form.capit.value;
perio = form.periode.options[form.periode.selectedIndex].value;
t = parseFloat(form.tclient.value)/(100 * perio);
var ans = parseInt(form.durans.options[form.durans.selectedIndex].value);
var mois = form.durmois.options[form.durmois.selectedIndex].value;
ntot = parseInt((ans + (mois / 12)) * perio);
//Affiche les calculs simulés
form.tdure.value = ntot;
eche = ECHEANCE(capi, t, ntot);
form.echu.value = fix(eche, 2, ",");
form.total.value = fix(ntot * eche, 2, ",");
form.teg.value = fix(TACTU(t,perio),3, ",");
devise = 'Francs';
if (form.cdevise[1].checked) devise = 'Euros';
}
function capacite(form) {
var capa = parseInt(form.capacit.options[form.capacit.selectedIndex].value);
perio = form.periode.options[form.periode.selectedIndex].value;
t = parseFloat(form.tclient.value)/(100 * perio);
var ans = parseInt(form.durans.options[form.durans.selectedIndex].value);
var mois = form.durmois.options[form.durmois.selectedIndex].value;
ntot = parseInt((ans + (mois / 12)) * perio);
//Affiche les calculs simulés
form.tdure.value = ntot;
with (Math) {
capi = round(capa * (pow((1+t),ntot) - 1) / (100 * t * pow((1+t),ntot))) * 100;
}
eche = ECHEANCE(capi, t, ntot);
form.capit.value = fix(capi, 0, ",");
form.echu.value = fix(eche, 2, ",");
form.total.value = fix(ntot * eche, 2, ",");
form.teg.value = fix(TACTU(t,perio),3, ",");
devise = 'Francs';
if (form.cdevise[1].checked) devise = 'Euros';
}
function aidepret() {
var aideFenetre = window.open("","","status = 0, scrollbars=1,resizable=1,width=700,height=310")
aideFenetre.document.write(
'ImmoDHEM : Aide sur le calcul des mensualites du pret'+
'
'+
'Ce programme vous permet, connaissant un capital emprunté, le nombre d\'échéances avec la périodicité et le taux du crédit, de simuler les résultats.
'+
'Les valeurs décimales sont indifférement saisies avec un point ou la virgule comme séparateur décimal.
'+
'Le résultat de la simulation comporte :
'+
'Le total des remboursements.'+
'Le montant de l\'échéance.'+
'Le nombre entier d\échéances.'+
'Le taux effectif global en tenant compte de la composition périodique des intérêts.'+
'Le tableau d\'amortissement détaillé.
'+
''+
'')
aideFenetre.document.close()
}
function CUMULEPARGNE(form) {
capi = parseFloat(form.capital.value);
var tx = parseFloat(form.taux.value) / 100;
var ans = parseInt(form.durans.options[form.durans.selectedIndex].value);
var mois = form.durmois.options[form.durmois.selectedIndex].value;
perio = form.periode.options[form.periode.selectedIndex].value;
var n = ans + (mois/12);
ntot = parseInt((ans + (mois / 12)) * perio);
var rente = parseFloat(form.rente.value);
//Calcul actuariel du solde agios cumulés
var solde = ARRET(capi, rente, tx, perio, ntot);
form.valfinal.value = fix(solde,2,",");
}
function RENTEPEL(form) {
capi = parseFloat(form.capital.value);
var tx = parseFloat(form.taux.value) / 100;
var cib = parseFloat(form.cible.value);
perio = form.periode.options[form.periode.selectedIndex].value;
var ans = parseInt(form.durans.options[form.durans.selectedIndex].value);
ntot = parseInt(ans * perio);
// initialisations
var test_calcul, test_prec, rente_prec, k;
var rente = (capi - cib) / ntot;
var pas = 100;
var limite = 0.0001;
var prov = ARRET(capi, -rente, tx, perio, ntot);
test_calcul = prov - cib
test_prec = test_calcul;
k = 0;
while (Math.abs(test_calcul)>limite && k<100) {
k++
rente_prec = rente;
rente = rente + pas; // nouvelle rente
test_calcul = ARRET(capi, -rente, tx, perio, ntot) - cib;
if (test_calcul * test_prec >0 && Math.abs(test_calcul) > Math.abs(test_prec)) {
pas = - pas;
rente = rente_prec;
}
if (test_calcul * test_prec <0) {
rente = rente_prec;
pas = 0.5 * pas;
}
}
rente = fix(rente, 0, ".");
form.rente.value = rente;
//alert("Itérations = " + k + " écart de calcul = " + fix(test_calcul, 2, ".") + "\nRésultat = " + fix(rente, 2, ".") + "\nNbre versements = "+ ntot );
}
function EPARGNEPEL(form) {
capi = parseFloat(form.capital.value);
var el = form.PELCEL.options[form.PELCEL.selectedIndex].value;
PARAMPEL(el);
var ans = parseInt(form.durans.options[form.durans.selectedIndex].value);
perio = form.periode.options[form.periode.selectedIndex].value;
ntot = parseInt(ans * perio);
var rente = parseFloat(form.rente.value);
if (rente * perio < 3600) {
alert ("Versement insuffisant minimum 3600 Francs l'an !");
return false;
}
var plafond = 10000;
var maxint = plafond * denomin / numerat;
if (ans <4) {
numerat = 1;
tepel = (denomin - numerat) * tpel / denomin;
maxint = (denomin - numerat) * maxint / denomin;
denomin = denomin - numerat;
}
var maxprime = numerat * maxint / denomin;
//Calcul actuariel du solde agios cumulés
var epargne = capi;
var interbr, solde, stop, i, nl;
stop = 0;
with (Math) {
var Utx = pow((1 + tpel/100), 1/perio);
var Y = Utx;
//form.tn_bp.value = fix(round(100000 * perio * (pow(1 + tpbp / 100, 1 / perio) - 1))/1000, 3, ",");
solde = capi;
var preced = capi * Utx;
for (i = 1; i< ntot; i++) {
epargne += rente;
solde = (preced + rente) * Y
if (stop == 0 && (solde -epargne)>maxint) {
nl = log(maxint + epargne) / (preced + rente)/ log(Y);
stop = 1;
solde = (preced + rente)* pow(Y, nl);
Y = pow((1 + tpbp/100), 1/perio);
solde *= pow(Y, (1 - nl));
}
interbr = solde - epargne;
if (stop ==0) {
prime = numerat * interbr / denomin;
}
else {
prime = maxprime;
}
preced = solde;
}
}
form.epargne.value = fix(epargne,0,",");
form.valfinal.value = fix(solde,2,",");
form.interbrut.value = fix(interbr, 2,",");
form.prime.value = fix(prime, 2, ",");
if (stop ==1) {
//Calcul pour tenir comptye de la réduction du taux
flux = new makeArray(2);
flux[1] = new MakeFlux(rente, ntot - 1);
flux[2] = new MakeFlux(-solde, ntot);
var taux = TEQUIV(-capi, 0, 0, perio, flux);
form.tn_cl.value = fix(TACTU(taux / (100 * perio), perio), 3, ",");
}
else {
form.tn_cl.value = fix(tpel, 3, ",");
}
return true;
}
function PARAMPEL(el) {
if (el == "PEL 4.50 %") {
tpel = 4.50;
tpbp = 3.27;
numerat = 2;
denomin = 7;
}
if (el == "PEL 3.60 %") {
tpel = 3.6;
tpbp = 2.61;
numerat = 2;
denomin = 7;
}
if (el == "PEL 4.00 %") {
tpel = 4.0;
tpbp = 2.90;
numerat = 2;
denomin = 7;
}
if (el == "PEL 4.25 %") {
tpel = 4.25;
tpbp = 3.10;
numerat = 2;
denomin = 7;
}
if (el == "PEL 5.25 %") {
tpel = 5.25;
tpbp = 3.84;
numerat = 2;
denomin = 7;
}
if (el == "PEL 6.00 %") {
tpel = 6.0;
tpbp = 4.62;
numerat = 1;
denomin = 4;
}
if (el == "PEL 7.50 %") {
tpel = 7.5;
tpbp = 4.75;
numerat = 2;
denomin = 5;
}
}
function makeArray(n) {
this.length = n;
for (var i=0 ; i<=n ; i++) { this[i]= 0 }
return this;
}
function MakeFlux(echeance, dure) {
this.echeance = echeance;
this.dure = dure;
return this;
}
function TEQUIV(cap, dossier, assur, p, fl) {
var limite = 0.000001;
var pas = 2;
var t_calcul = 3;
var t = t_calcul / (100 * p);
var test_calcul = cap - dossier - VACTUEL(fl, assur, t);
var test_prec = test_calcul;
var t_prec;
while (Math.abs(test_calcul)>limite) {
t_prec = t_calcul;
t_calcul = t_calcul + pas;
t = t_calcul / (100 * p);
test_calcul = cap - dossier - VACTUEL(fl, assur, t);
if (test_calcul * test_prec >0 && Math.abs(test_calcul) > Math.abs(test_prec)) {
pas = - pas;
t_calcul = t_prec;
}
if (test_calcul * test_prec <0) {
t_calcul = t_prec;
pas = 0.5 * pas;
}
}
return t_calcul;
}
function VACTUEL(obj, a, t) {
var n = obj.length;
var act = new makeArray(n);
act[0] = 0;
var k;
for (k = 1; k <= n; k++) act[k] = COEFACTU(t, parseFloat(obj[k].dure));
var van = 0 ;
for (k = 1; k <= n; k++) {
van = van + (a + parseFloat(obj[k].echeance)) * (act[k] - act[k -1]);
}
return van;
}
function COEFACTU(t,d) {
var u = Math.pow((1 + t), d);
return (u - 1) / (t * u);
}
function ARRET(cap, r, t, p, n) {
var Utx = Math.pow((1 + t), 1/p)
var vac = cap;
var preced = cap * Utx;
for (var i = 1; i< n; i++) {
vac = (preced + r) * Utx
preced = vac;
}
return vac;
}
function ECHEANCE(capi, t, n) {
var eche;
if (t>0)
{
eche = Math.round(100 * capi * t * Math.pow((1+t), n) / (Math.pow((1+t), n) - 1)) / 100;
}
else
{
eche = Math.round(100 * capi / n) / 100;
}
return eche;
}
function REMBOURS(capi, t, k, n) {
var eche;
if (t>0)
{
eche = Math.round(100 * capi * t * Math.pow((1+t), k-1) / (Math.pow((1+t), n) - 1)) / 100;
}
else
{
eche = Math.round(100 * capi / n) / 100;
}
return eche;
}
function TACTU(t,p) {
return Math.round(1000 * (Math.pow((1 + t), p) -1) * 100) / 1000;
}
function fix(num,places, dec) {
shift = Math.pow(10,places);
//Traitement des valeurs négatives et inférieures à 1
var vabs = Math.abs(num);
if (vabs < 1) {
vabs += 1;
var infer = 1;
}
totalDecimal = ""
totalDecimal += Math.round(vabs * shift);
integer = totalDecimal.substring(0,totalDecimal.length - places );
if (infer == 1) integer = "0";
if (integer.length == 0) integer = "0";
decimal = totalDecimal.substring(totalDecimal.length - places , totalDecimal.length);
for (var i = 1; i<=places; i++) decimal += "0";
if (places>0) {
if (num<0) {
return ("-" + integer + dec + decimal.substring(0, places));
}
else {
return( integer + dec + decimal.substring(0, places));
}
}
else {
return(integer);
}
}
function validnum(obj, min, max) {
var chaine = obj.value;
var msg = "Donnée invalide : " + chaine;
for (var i = 0; i < chaine.length; i++) {
var ch = chaine.substring(i, i+1);
if (ch == ",") {
ch = ".";
chaine = chaine.substring(0,i) + "." + chaine.substring(i+1,chaine.length);
obj.value = chaine;
}
if ((ch < '0'|| '9' < ch) && ch != '.') {
alert(msg);
return false;
}
}
var num = 0 + chaine;
if (num < min || max < num) {
alert ("Donnée hors limites : [ " + min + " - " + max + " ] ");
obj.focus();
return false;
}
obj.value = chaine;
return true;
}
//---->