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"; } }); function formatCurrencyPIEE(value) { const num = Number(value); if (isNaN(num) || !isFinite(num)) return "0.00"; return num.toLocaleString('en-US', { minimumFractionDigits: 2, maximumFractionDigits: 2 }); } function formatPercentagePIEE(value) { const num = Number(value); if (isNaN(num) || !isFinite(num)) return "0.00"; return num.toFixed(2); } function emiCalculatorPIEEHelper(principal, termMonths, annualRate) { if (principal <= 0 || termMonths <= 0) return 0; let safeAnnualRate = Math.max(0, annualRate); const monthlyRate = safeAnnualRate / 12 / 100; if (monthlyRate === 0) return principal / termMonths; const payment = principal * (monthlyRate * Math.pow(1 + monthlyRate, termMonths)) / (Math.pow(1 + monthlyRate, termMonths) - 1); return (isNaN(payment) || !isFinite(payment)) ? 0 : payment; } function estimateIncomeEligibilityPIEE() { const grossIncome = parseFloat(grossMonthlyIncomeIn.value); const existingDebts = parseFloat(existingDebtsIn.value) || 0; const desiredLoanAmount = parseFloat(desiredLoanAmountIn.value); const desiredTerm = parseInt(desiredLoanTermIn.value); const estimatedRate = parseFloat(estimatedInterestRateIn.value); // Validations if (isNaN(grossIncome) || grossIncome <= 0) { alert("Enter a valid Gross Monthly Income."); return; } if (isNaN(existingDebts) || existingDebts < 0) { alert("Existing Monthly Debts cannot be negative."); return; } if (isNaN(desiredLoanAmount) || desiredLoanAmount <= 0) { alert("Enter a valid Desired Loan Amount."); return; } if (isNaN(desiredTerm) || desiredTerm <= 0) { alert("Select a valid Loan Term."); return; } if (isNaN(estimatedRate) || estimatedRate < 0) { alert("Enter a valid Estimated Interest Rate."); return; } const newLoanEmi = emiCalculatorPIEEHelper(desiredLoanAmount, desiredTerm, estimatedRate); const newTotalMonthlyDebts = existingDebts + newLoanEmi; let dtiRatio = 0; if (grossIncome > 0) { // Avoid division by zero dtiRatio = (newTotalMonthlyDebts / grossIncome) * 100; } let dtiNote = ""; let dtiClass = "piee-dti-assessment"; // Base class dtiAssessmentNoteOut.style.display = "block"; if (newLoanEmi === 0 && desiredLoanAmount > 0) { // Indicates potential issue with loan calculation itself dtiNote = "Could not calculate EMI for the desired loan. Please check loan inputs."; dtiClass += " dti-high"; // Treat as problematic } else if (grossIncome <=0) { dtiNote = "DTI cannot be calculated without a valid gross monthly income."; dtiClass += " dti-high"; } else if (dtiRatio <= 36) { dtiNote = `An estimated DTI of ${formatPercentagePIEE(dtiRatio)}% is generally considered good by many lenders.`; dtiClass += " dti-low"; } else if (dtiRatio <= 43) { dtiNote = `An estimated DTI of ${formatPercentagePIEE(dtiRatio)}% is often acceptable, though lower is preferred.`; dtiClass += " dti-manageable"; } else if (dtiRatio <= 50) { dtiNote = `An estimated DTI of ${formatPercentagePIEE(dtiRatio)}% is considered high. Loan approval may be more challenging.`; dtiClass += " dti-high"; } else { // DTI > 50% dtiNote = `An estimated DTI of ${formatPercentagePIEE(dtiRatio)}% is considered very high. Loan approval is typically difficult with such a DTI.`; dtiClass += " dti-very-high"; } estimatedEmiOut.textContent = `$${formatCurrencyPIEE(newLoanEmi)}`; newTotalDebtsOut.textContent = `$${formatCurrencyPIEE(newTotalMonthlyDebts)}`; calculatedDtiOut.textContent = `${formatPercentagePIEE(dtiRatio)}%`; dtiAssessmentNoteOut.textContent = dtiNote; dtiAssessmentNoteOut.className = dtiClass; // Apply new classes calculatedValuesPIEE = { inputs: { grossIncome, existingDebts, desiredLoanAmount, desiredTerm, estimatedRate }, outputs: { newLoanEmi, newTotalMonthlyDebts, dtiRatio, dtiNote } }; resultsSectionPIEE.style.display = "block"; } function generatePdfPIEE() { if (Object.keys(calculatedValuesPIEE).length === 0 || !resultsSectionPIEE || resultsSectionPIEE.style.display === 'none') { alert('Please estimate eligibility first to generate a PDF summary.'); return; } if (typeof window.jspdf === 'undefined' || typeof window.jspdf.jsPDF === 'undefined') { alert('PDF generation library (jsPDF) is not loaded.'); return; } const { jsPDF } = window.jspdf; const doc = new jsPDF(); if (typeof doc.autoTable !== 'function') { alert('PDF generation plugin (jsPDF-AutoTable) is not loaded.'); return; } const data = calculatedValuesPIEE; try { doc.setFontSize(16); doc.setTextColor(0, 51, 102); // #003366 Dark corporate blue doc.text("Personal Loan Income Eligibility Estimator", 14, 22); doc.setFontSize(10); doc.setTextColor(100); doc.text(`Report Generated: ${new Date().toLocaleDateString()}`, 14, 28); let startY = 38; const tableTheme = 'grid'; const headFillColor = [0, 90, 156]; // #005A9C Corporate blue const headTextColor = [255, 255, 255]; doc.setFontSize(12); doc.setTextColor(0, 68, 122); // #00447A doc.text("Your Financial Inputs", 14, startY); startY += 7; doc.autoTable({ body: [ ['Gross Monthly Income:', `$${formatCurrencyPIEE(data.inputs.grossIncome)}`], ['Existing Monthly Debt Payments:', `$${formatCurrencyPIEE(data.inputs.existingDebts)}`], ['Desired Loan Amount:', `$${formatCurrencyPIEE(data.inputs.desiredLoanAmount)}`], ['Desired Loan Term:', `${data.inputs.desiredTerm} months`], ['Estimated Loan APR:', `${formatPercentagePIEE(data.inputs.estimatedRate)}%`] ], startY: startY, theme: 'plain', styles: { fontSize: 10, cellPadding: 1.5 }, columnStyles: { 0: { fontStyle: 'bold', cellWidth: 75 } } }); startY = doc.lastAutoTable.finalY + 10; doc.setFontSize(12); doc.setTextColor(0, 68, 122); doc.text("Estimated Loan Impact & DTI Ratio", 14, startY); startY += 7; doc.autoTable({ body: [ ['Est. Monthly Payment for Desired Loan:', `$${formatCurrencyPIEE(data.outputs.newLoanEmi)}`], ['New Total Estimated Monthly Debts:', `$${formatCurrencyPIEE(data.outputs.newTotalMonthlyDebts)}`], ['Estimated Debt-to-Income (DTI) Ratio:', `${formatPercentagePIEE(data.outputs.dtiRatio)}%`], // The DTI note for PDF. // To make it wrap nicely in PDF table, we might need to process it. // For simplicity here, just place it. It might be long. // Better: use doc.text with splitTextToSize after the table for the note. ], startY: startY, theme: 'plain', styles: { fontSize: 10, cellPadding: 1.5 }, columnStyles: { 0: { fontStyle: 'bold', cellWidth: 75 } } }); startY = doc.lastAutoTable.finalY + 5; doc.setFontSize(10); doc.setTextColor(50); // Dark gray for note doc.text("DTI Assessment Note:", 14, startY); startY += 5; const splitNote = doc.splitTextToSize(data.outputs.dtiNote, doc.internal.pageSize.getWidth() - 28); doc.text(splitNote, 14, startY); startY = doc.lastAutoTable.finalY > startY ? doc.lastAutoTable.finalY + splitNote.length * 5 : startY + splitNote.length * 5 + 5; doc.setFontSize(9); doc.setTextColor(120); // Lighter gray for disclaimer startY += 10; // Space before the final disclaimer const finalDisclaimer = "Disclaimer: This calculator provides an estimate based on the inputs you provide and general DTI guidelines. It is for illustrative purposes only and does not guarantee loan approval or specific loan terms. Lenders use various criteria for loan eligibility. Consult with financial institutions for actual eligibility assessment."; const splitFinalDisclaimer = doc.splitTextToSize(finalDisclaimer, doc.internal.pageSize.getWidth() - 28); doc.text(splitFinalDisclaimer, 14, startY); doc.save("Personal_Loan_Income_Eligibility_Est.pdf"); } catch (error) { console.error("PIEE PDF Error:", error); alert("An error occurred while generating the PDF: " + error.message); } }