Error: Tool configuration problem. Cannot perform assessment.

'; console.error("NDL Assessment Error: One or more elements for assessment not found."); return; } const inputs = { creditScore: this.elements.creditScore.value, incomeSource: this.elements.incomeSource.value, yearsActivity: parseInt(this.elements.yearsActivity.value, 10) || 0, liquidAssets: this.elements.liquidAssets.value, loanPurpose: this.elements.loanPurpose.value, loanAmount: parseFloat(this.elements.loanAmount.value), propertyValue: parseFloat(this.elements.propertyValue.value) || 0, existingDebt: this.elements.existingDebt.value }; let score = 0; let assessmentText = "

Preliminary Assessment Overview:

"; let considerations = []; // Scoring Logic (Simplified Heuristic) // Credit Score if (inputs.creditScore === 'excellent') { score += 30; considerations.push("Excellent credit is a strong positive factor."); } else if (inputs.creditScore === 'good') { score += 20; considerations.push("Good credit is generally favorable."); } else if (inputs.creditScore === 'fair') { score += 5; considerations.push("Fair credit may present some challenges or require compensating factors."); } else if (inputs.creditScore === 'poor') { score -= 20; considerations.push("Poor credit can significantly impact eligibility for many loan types."); } else { considerations.push("Credit history status will be a key factor for lenders."); } // Income Source & Stability if (inputs.incomeSource === 'self_employed_established' && inputs.yearsActivity >= 2) { score += 20; considerations.push("Established self-employment (2+ years) is often viewed positively."); } else if (inputs.incomeSource === 'self_employed_new' || inputs.incomeSource === 'freelancer_contractor') { score += 5; considerations.push("Newer self-employment or freelance income may require more scrutiny by lenders."); } else if (inputs.incomeSource === 'investment_income' || inputs.incomeSource === 'asset_rich_income_variable') { score += 15; considerations.push("Income from investments or assets can be strong, depending on consistency and amount."); } else { considerations.push("The nature and stability of your income source will be assessed by lenders.");} // Liquid Assets if (inputs.liquidAssets === 'yes_significant') { score += 20; considerations.push("Significant liquid assets can greatly strengthen an application."); } else if (inputs.liquidAssets === 'yes_moderate') { score += 10; considerations.push("Moderate liquid assets are a positive factor."); } else { considerations.push("Availability of liquid assets can influence lender decisions.");} // Loan Purpose & LTV (if applicable) const isPropertyLoan = inputs.loanPurpose === 'residential_property' || inputs.loanPurpose === 'commercial_property'; if (isPropertyLoan && inputs.propertyValue > 0 && inputs.loanAmount > 0) { const ltv = (inputs.loanAmount / inputs.propertyValue) * 100; considerations.push(`For property loans, an LTV of ${ltv.toFixed(1)}% is calculated.`); if (ltv < 70) { score += 20; considerations.push("A low Loan-to-Value (LTV < 70%) is highly favorable."); } else if (ltv < 80) { score += 10; considerations.push("A moderate LTV (70-80%) is generally acceptable."); } else if (ltv < 90) { score += 0; considerations.push("A higher LTV (80-90%) may require stronger compensating factors."); } else { score -= 10; considerations.push("A very high LTV (>90%) can be challenging for 'no-doc' style loans."); } } else if (isPropertyLoan && (inputs.propertyValue <= 0 || inputs.loanAmount <=0)) { considerations.push("Valid loan amount and property value are needed to assess LTV for property loans."); } // Existing Debt if (inputs.existingDebt === 'low') { score += 10; considerations.push("Low existing debt is a positive indicator.");} else if (inputs.existingDebt === 'moderate') { score += 0; considerations.push("Moderate existing debt will be considered in overall capacity.");} else if (inputs.existingDebt === 'high') { score -= 10; considerations.push("High existing debt can be a significant concern for lenders.");} let finalAssessment = ""; let assessmentClass = ""; if (score >= 50) { finalAssessment = "Potentially Strong Candidate"; assessmentClass = "assessment-level-positive"; assessmentText += `

Based on the information provided, your profile shows several positive indicators for a 'no-doc' or 'low-doc' style loan. Key strengths appear to be your ${inputs.creditScore} credit and potentially ${inputs.liquidAssets !== 'no' ? 'available liquid assets' : 'income stability'}.

`; } else if (score >= 25) { finalAssessment = "May Have Options / Further Review Needed"; assessmentClass = "assessment-level-neutral"; assessmentText += `

Your profile indicates some factors that may align with 'no-doc' or 'low-doc' loan criteria, while others might require further attention or compensating strengths. Lenders will likely look closely at ${isPropertyLoan && inputs.propertyValue > 0 ? 'the LTV ratio' : 'overall financial stability'} and ${inputs.creditScore === 'fair' || inputs.creditScore === 'poor' ? 'credit history' : 'income consistency'}.

`; } else { finalAssessment = "May Face Significant Challenges"; assessmentClass = "assessment-level-negative"; assessmentText += `

Based on the inputs, securing a 'no-doc' or 'low-doc' loan could present significant challenges. Factors such as ${inputs.creditScore === 'poor' ? 'credit history' : (inputs.existingDebt === 'high' ? 'existing debt levels' : 'a combination of factors')} might make eligibility difficult without substantial compensating factors not covered in this preliminary check.

`; } assessmentText += `

Overall Preliminary Assessment: ${finalAssessment}

`; assessmentText += "

Key Considerations Identified:

"; considerations.forEach(con => assessmentText += `
• ${con}
`); assessmentText += "

"; assessmentText += "

This is a simplified, preliminary assessment based on general factors. Actual eligibility depends on specific lender criteria, current market conditions, and a comprehensive review of your financial situation. This tool does not provide financial advice or guarantee any loan outcome.

"; this.elements.assessmentOutput.innerHTML = assessmentText; this.elements.pdfDownloadContainer.style.display = 'block'; if (this.elements.assessmentTabButton) this.elements.assessmentTabButton.disabled = false; this.navigateToTab('NdlAssessmentTab', 'ndlAssessmentTabButton'); // Store data for PDF this.assessmentData = { ...inputs, finalAssessment, considerations, score }; // Get text values for selects for PDF this.assessmentData.creditScoreText = this.elements.creditScore.options[this.elements.creditScore.selectedIndex]?.text || inputs.creditScore; this.assessmentData.incomeSourceText = this.elements.incomeSource.options[this.elements.incomeSource.selectedIndex]?.text || inputs.incomeSource; this.assessmentData.liquidAssetsText = this.elements.liquidAssets.options[this.elements.liquidAssets.selectedIndex]?.text || inputs.liquidAssets; this.assessmentData.loanPurposeText = this.elements.loanPurpose.options[this.elements.loanPurpose.selectedIndex]?.text || inputs.loanPurpose; this.assessmentData.existingDebtText = this.elements.existingDebt.options[this.elements.existingDebt.selectedIndex]?.text || inputs.existingDebt; }, downloadPdf: function() { if (typeof jsPDF === 'undefined' || typeof jsPDF.autoTable === 'undefined') { alert('PDF generation library not loaded. Check connection or contact support.'); console.error('jsPDF or jsPDF.autoTable is not loaded.'); return; } const { jsPDF } = window.jspdf; const doc = new jsPDF(); const data = this.assessmentData; const primaryColor = '#2c3e50'; const accentColor = '#3498db'; const textColor = '#34495e'; const tableHeaderColor = accentColor; doc.setTextColor(primaryColor); doc.setFontSize(18); doc.text("No-Doc Loan Preliminary Assessment Report", 14, 22); doc.setFontSize(11); doc.setTextColor(textColor); const generationDate = new Date().toLocaleDateString('en-US', { year: 'numeric', month: 'long', day: 'numeric' }); doc.text(`Report Generated: ${generationDate}`, 14, 30); let currentY = 40; const inputSection = [ ["Credit Score Range:", data.creditScoreText], ["Primary Income Source:", data.incomeSourceText], ["Years in Current Activity:", data.yearsActivity > 0 ? `${data.yearsActivity} years` : 'N/A or 0'], ["Significant Liquid Assets:", data.liquidAssetsText], ["Loan Purpose:", data.loanPurposeText], ["Loan Amount Requested:", `$${data.loanAmount.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2})}`], ]; if (data.loanPurpose === 'residential_property' || data.loanPurpose === 'commercial_property') { inputSection.push(["Estimated Property Value:", `$${data.propertyValue.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2})}`]); if (data.propertyValue > 0 && data.loanAmount > 0) { const ltv = (data.loanAmount / data.propertyValue) * 100; inputSection.push(["Calculated LTV:", `${ltv.toFixed(1)}%`]); } } inputSection.push(["General Level of Existing Debt:", data.existingDebtText]); doc.autoTable({ head: [['Your Inputs', 'Details']], body: inputSection, startY: currentY, theme: 'grid', headStyles: { fillColor: tableHeaderColor, textColor: '#ffffff', fontStyle: 'bold' }, columnStyles: { 0: { fontStyle: 'bold', cellWidth: 70 }, 1: { cellWidth: 'auto'} }, didParseCell: function (hookData) { if (hookData.section === 'body' && hookData.column.index === 0) { hookData.cell.styles.fillColor = '#ecf0f1'; hookData.cell.styles.textColor = primaryColor; } } }); currentY = doc.lastAutoTable.finalY + 10; doc.setTextColor(primaryColor); doc.setFontSize(14); doc.text("Preliminary Assessment:", 14, currentY); currentY += 6; doc.setFontSize(12); doc.setTextColor(data.score >= 50 ? '#27ae60' : (data.score >=25 ? '#f39c12' : '#e74c3c')); doc.setFont(undefined, 'bold'); doc.text(data.finalAssessment, 14, currentY); currentY += 8; doc.setTextColor(textColor); doc.setFont(undefined, 'normal'); doc.setFontSize(11); doc.text("Key Considerations Identified:", 14, currentY); currentY += 5; const considerationsForPdf = data.considerations.map(c => [c]); // Format for autoTable doc.autoTable({ body: considerationsForPdf, startY: currentY, theme: 'plain', styles: { cellPadding: 1, fontSize: 10, lineWidth: 0.1, lineColor: '#cccccc'}, columnStyles: { 0: { cellWidth: 180 } }, // Add a bullet point like effect didDrawCell: (hookData) => { if (hookData.section === 'body') { doc.setFillColor(accentColor); doc.circle(hookData.cell.x + 3, hookData.cell.y + hookData.cell.height / 2 -0.5 , 1, 'F'); hookData.cell.textPos.x = hookData.cell.x + 6; // Indent text } } }); currentY = doc.lastAutoTable.finalY + 10; doc.setFontSize(9); doc.setTextColor('#7f8c8d'); const disclaimerText = "This is a simplified, preliminary assessment based on general factors. Actual eligibility depends on specific lender criteria, current market conditions, and a comprehensive review of your financial situation. This tool does not provide financial advice or guarantee any loan outcome."; const splitDisclaimer = doc.splitTextToSize(disclaimerText, 180); doc.text(splitDisclaimer, 14, currentY); doc.save("No_Doc_Loan_Assessment.pdf"); } }; document.addEventListener('DOMContentLoaded', function() { ndlApp.init(); });