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"; } }); function formatCurrencyBLE(value) { const num = Number(value); if (isNaN(num) || !isFinite(num)) return "0.00"; return num.toLocaleString('en-US', { minimumFractionDigits: 2, maximumFractionDigits: 2 }); } function formatPercentageBLE(value) { const num = Number(value); if (isNaN(num) || !isFinite(num)) return "0.00"; return num.toFixed(0); // DTI usually shown as whole number % } function estimateBorrowingLimitBLE() { const grossIncome = parseFloat(grossMonthlyIncomeInBLE.value); const existingDebts = parseFloat(existingDebtsInBLE.value) || 0; const desiredTerm = parseInt(desiredLoanTermInBLE.value); const estimatedRate = parseFloat(estimatedInterestRateInBLE.value); const targetDti = parseFloat(targetDtiRatioInBLE.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(desiredTerm) || desiredTerm <= 0) { alert("Select a valid Loan Term."); return; } if (isNaN(estimatedRate) || estimatedRate < 0) { alert("Enter a valid Estimated Interest Rate."); return; } if (isNaN(targetDti) || targetDti <= 0 || targetDti > 100) { alert("Select a valid Target DTI Ratio."); return; } const maxTotalMonthlyDebt = grossIncome * (targetDti / 100); const affordableNewMonthlyPayment = maxTotalMonthlyDebt - existingDebts; let estimatedBorrowingLimit = 0; let noteText = `Calculation based on a selected target Debt-to-Income (DTI) ratio of ${formatPercentageBLE(targetDti)}%. `; if (affordableNewMonthlyPayment <= 0) { estimatedBorrowingLimit = 0; noteText += "Your existing debts meet or exceed the selected DTI target, leaving no room for new loan payments based on this estimation."; } else { const monthlyInterestRate = estimatedRate / 12 / 100; if (monthlyInterestRate === 0) { estimatedBorrowingLimit = affordableNewMonthlyPayment * desiredTerm; } else { // PV formula: P = M * [1 - (1 + i)^-n] / i estimatedBorrowingLimit = affordableNewMonthlyPayment * (1 - Math.pow(1 + monthlyInterestRate, -desiredTerm)) / monthlyInterestRate; } if (isNaN(estimatedBorrowingLimit) || !isFinite(estimatedBorrowingLimit) || estimatedBorrowingLimit < 0) { estimatedBorrowingLimit = 0; // Reset if calculation is not valid noteText += "Could not estimate a borrowing limit with the provided loan terms, or the affordable payment is too low for the given rate/term."; } else { noteText += "This is an illustrative estimate; actual borrowing limits depend on lender policies, your full credit profile, and other factors." } } affordableMonthlyPaymentOutBLE.textContent = `$${formatCurrencyBLE(Math.max(0, affordableNewMonthlyPayment))}`; // Show 0 if negative estimatedBorrowingLimitOutBLE.textContent = `$${formatCurrencyBLE(estimatedBorrowingLimit)}`; dtiExplanationNoteOutBLE.textContent = noteText; calculatedValuesBLE = { inputs: { grossIncome, existingDebts, desiredTerm, estimatedRate, targetDti }, outputs: { affordableNewMonthlyPayment: Math.max(0, affordableNewMonthlyPayment), estimatedBorrowingLimit, dtiNote: noteText } }; resultsSectionBLE.style.display = "block"; } function generatePdfBLE() { if (Object.keys(calculatedValuesBLE).length === 0 || !resultsSectionBLE || resultsSectionBLE.style.display === 'none') { alert('Please estimate the borrowing limit 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 = calculatedValuesBLE; try { doc.setFontSize(16); doc.setTextColor(0, 59, 111); // #003B6F Darker Solid Blue doc.text("Borrowing Limit Estimation Based on Income", 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, 78, 146]; // #004E92 Solid Blue const headTextColor = [255, 255, 255]; doc.setFontSize(12); doc.setTextColor(0, 59, 111); doc.text("Your Financial Inputs & Assumptions", 14, startY); startY += 7; doc.autoTable({ body: [ ['Gross Monthly Income:', `$${formatCurrencyBLE(data.inputs.grossIncome)}`], ['Existing Monthly Debt Payments:', `$${formatCurrencyBLE(data.inputs.existingDebts)}`], ['Desired Loan Term:', `${data.inputs.desiredTerm} months`], ['Estimated Loan APR:', `${formatPercentageBLE(data.inputs.estimatedRate)}%`], ['Target DTI Ratio Selected:', `${formatPercentageBLE(data.inputs.targetDti)}%`] ], 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, 59, 111); doc.text("Estimation Results", 14, startY); startY += 7; doc.autoTable({ body: [ ['Affordable Monthly Payment for New Loan:', `$${formatCurrencyBLE(data.outputs.affordableNewMonthlyPayment)}`], ['Estimated Borrowing Limit (Loan Principal):', `$${formatCurrencyBLE(data.outputs.estimatedBorrowingLimit)}`] ], startY: startY, theme: 'plain', styles: { fontSize: 10, cellPadding: 1.5, fontStyle: 'bold' }, columnStyles: { 0: { cellWidth: 75 } } }); startY = doc.lastAutoTable.finalY + 8; doc.setFontSize(9); doc.setTextColor(51, 74, 99); // #334a63 Muted blue-gray const splitNote = doc.splitTextToSize(data.outputs.dtiNote, doc.internal.pageSize.getWidth() - 28); doc.text(splitNote, 14, startY); doc.save("Borrowing_Limit_Estimation.pdf"); } catch (error) { console.error("BLE PDF Error:", error); alert("An error occurred while generating the PDF: " + error.message); } }