Down payment cannot be greater than the vehicle price. Please correct the values.

"; alfpaLastAnalysisData = null; return; } const loanAmount = Math.max(0, vehiclePrice - downPayment); const monthlyPayment = alfpaCalculateMonthlyPayment(loanAmount, interestRate, loanTermYears); const ltv = vehiclePrice > 0 ? (loanAmount / vehiclePrice) * 100 : 0; const pti = grossMonthlyIncome > 0 ? (monthlyPayment / grossMonthlyIncome) * 100 : 0; const totalMonthlyDebt = monthlyPayment + existingDebts; const dti = grossMonthlyIncome > 0 ? (totalMonthlyDebt / grossMonthlyIncome) * 100 : 0; alfpaLastAnalysisData = { inputs: { vehiclePrice, downPayment, loanAmount, loanTermYears, interestRate, grossMonthlyIncome, existingDebts }, calculated: { monthlyPayment, ltv, pti, dti } }; // --- Interpretations (General Guidance) --- let ltvInterpretation = `An LTV of ${ltv.toFixed(1)}% means your loan amount is ${ltv.toFixed(1)}% of the vehicle's price.

`; if (ltv > 100) ltvInterpretation += "
• LTVs above 100% may indicate borrowing more than the car's value (e.g., including fees/taxes) and can mean you're 'underwater' from the start.
"; else if (ltv > 90) ltvInterpretation += "
• This LTV is relatively high, indicating a smaller down payment or equity stake.
"; else if (ltv > 80) ltvInterpretation += "
• This is a common LTV range.
"; else ltvInterpretation += "
• A lower LTV (e.g., below 80-90%) is often viewed more favorably by lenders as it signifies lower risk.
"; ltvInterpretation += "
• Lenders often have maximum LTV limits.

"; let ptiInterpretation = `A PTI of ${pti.toFixed(1)}% indicates that this auto loan payment would consume ${pti.toFixed(1)}% of your gross monthly income.

`; if (pti > 20) ptiInterpretation += "
• This PTI is generally considered high. It might stretch your budget significantly for this single payment.
"; else if (pti > 15) ptiInterpretation += "
• This PTI is notable. Ensure it fits comfortably within your budget after other essential expenses and savings.
"; else if (pti > 10) ptiInterpretation += "
• This PTI is moderate. Many aim to keep auto loan payments within 10-15% of their income.
"; else ptiInterpretation += "
• This PTI is relatively low, suggesting the payment might be more manageable within your income.
"; ptiInterpretation += "

"; let dtiInterpretation = `Your total DTI of ${dti.toFixed(1)}% includes the new estimated auto loan payment and your existing reported debts.

`; if (dti > 50) dtiInterpretation += "
• A DTI above 50% is generally considered very high and may indicate significant financial stress or difficulty managing debts. Lenders are often very cautious.
"; else if (dti > 43) dtiInterpretation += "
• A DTI in the 44-50% range can be a concern for lenders, suggesting a stretched budget.
"; else if (dti > 36) dtiInterpretation += "
• A DTI in the 37-43% range is often acceptable, but it's wise to monitor spending.
"; else dtiInterpretation += "
• A DTI below 36% is generally viewed favorably, suggesting a good balance between debt and income.
"; dtiInterpretation += "
• Many financial advisors recommend keeping DTI below certain thresholds (e.g., 43% or lower).

"; let outputHTML = `

Based on your inputs, here's an illustrative analysis of your auto loan financial profile. These are common metrics used in financial assessment.

Calculated Loan Amount: $${loanAmount.toFixed(2)}
Estimated Monthly Payment for this Auto Loan: $${monthlyPayment.toFixed(2)}

`; resultsOutput.innerHTML = outputHTML; } // --- PDF Download Functionality --- function alfpaDownloadPDF() { if (!alfpaLastAnalysisData) { alert("Please analyze your profile first before downloading the PDF."); alfpaNavigateTab('alfpaAnalysisTab'); alfpaAnalyzeProfile(); if (!alfpaLastAnalysisData) return; } const { jsPDF } = window.jspdf; const doc = new jsPDF(); const { inputs, calculated } = alfpaLastAnalysisData; const primaryColor = [0, 121, 107]; // RGB for #00796b let y = 15; doc.setFontSize(16); doc.setTextColor(primaryColor[0], primaryColor[1], primaryColor[2]); doc.text("Auto Loan Financial Profile Analysis", doc.internal.pageSize.getWidth() / 2, y, { align: 'center' }); y += 8; doc.setFontSize(8); doc.setTextColor(100); doc.text("Illustrative analysis for educational purposes only. Not financial advice.", doc.internal.pageSize.getWidth() / 2, y, { align: 'center' }); y += 10; doc.setFontSize(10); doc.setTextColor(51, 51, 51); doc.text("Inputs:", 14, y); y += 6; doc.text(` Vehicle Price: $${inputs.vehiclePrice.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2})}`, 14, y); doc.text(`Down Payment: $${inputs.downPayment.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2})}`, 100, y); y += 6; doc.text(` Loan Amount: $${inputs.loanAmount.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2})}`, 14, y); doc.text(`Loan Term: ${inputs.loanTermYears} years`, 100, y); y += 6; doc.text(` Est. Annual Interest Rate: ${inputs.interestRate.toFixed(2)}%`, 14, y); doc.text(`Gross Monthly Income: $${inputs.grossMonthlyIncome.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2})}`, 100, y); y += 6; doc.text(` Existing Monthly Debts: $${inputs.existingDebts.toLocaleString(undefined, {minimumFractionDigits: 2, maximumFractionDigits: 2})}`, 14, y); y+= 10; doc.setFont(undefined, 'bold'); doc.text("Calculated Metrics & General Interpretations:", 14, y); y += 7; doc.setFont(undefined, 'normal'); doc.setFontSize(11); doc.setTextColor(primaryColor[0], primaryColor[1], primaryColor[2]); doc.text(`Est. Monthly Auto Loan Payment: $${calculated.monthlyPayment.toFixed(2)}`, 14, y); y+= 8; const addMetricToPdf = (title, value, interpretationText) => { doc.setFontSize(12); doc.setTextColor(primaryColor[0], primaryColor[1], primaryColor[2]); doc.text(title, 14, y); y += 6; doc.setFontSize(14); doc.setFont(undefined, 'bold'); doc.setTextColor(0,0,0); doc.text(value, 14, y); y += 8; doc.setFontSize(9); doc.setFont(undefined, 'normal'); doc.setTextColor(85, 85, 85); // #555 // Remove

,
• tags for PDF, replace with bullet points or dashes let cleanInterpretation = interpretationText.replace(/<\/?ul>/g, '').replace(/
• /g, '\n • ').replace(/<\/?li>/g, ''); const splitInterpretation = doc.splitTextToSize(cleanInterpretation, doc.internal.pageSize.getWidth() - 28); // 14 margin each side doc.text(splitInterpretation, 14, y); y += (splitInterpretation.length * 4) + 6; // Adjust line height for 9pt font if (y > 260) { doc.addPage(); y = 20; } // Basic pagination }; // Re-fetch interpretations as they were generated with HTML let ltvText = `An LTV of ${calculated.ltv.toFixed(1)}% means your loan amount is ${calculated.ltv.toFixed(1)}% of the vehicle's price.`; if (calculated.ltv > 100) ltvText += "\n • LTVs above 100% may indicate borrowing more than the car's value and can mean you're 'underwater'."; else if (calculated.ltv > 90) ltvText += "\n • This LTV is relatively high."; else if (calculated.ltv > 80) ltvText += "\n • This is a common LTV range."; else ltvText += "\n • A lower LTV is often viewed more favorably."; ltvText += "\n • Lenders often have maximum LTV limits."; addMetricToPdf("Loan-to-Value (LTV) Ratio:", `${calculated.ltv.toFixed(1)}%`, ltvText); let ptiText = `A PTI of ${calculated.pti.toFixed(1)}% indicates this payment would be ${calculated.pti.toFixed(1)}% of your gross monthly income.`; if (calculated.pti > 20) ptiText += "\n • This PTI is generally considered high."; else if (calculated.pti > 15) ptiText += "\n • This PTI is notable."; else if (calculated.pti > 10) ptiText += "\n • This PTI is moderate (often aim for 10-15%)."; else ptiText += "\n • This PTI is relatively low."; addMetricToPdf("Payment-to-Income (PTI) Ratio (This Loan):", `${calculated.pti.toFixed(1)}%`, ptiText); let dtiText = `Your total DTI of ${calculated.dti.toFixed(1)}% includes this new loan and existing debts.`; if (calculated.dti > 50) dtiText += "\n • DTI > 50% is generally considered very high."; else if (calculated.dti > 43) dtiText += "\n • DTI 44-50% can be a concern."; else if (calculated.dti > 36) dtiText += "\n • DTI 37-43% is often acceptable."; else dtiText += "\n • DTI < 36% is generally viewed favorably."; dtiText += "\n • Many advisors suggest DTI below certain thresholds (e.g., 43%)."; addMetricToPdf("Total Debt-to-Income (DTI) Ratio:", `${calculated.dti.toFixed(1)}%`, dtiText); if (y > 270) { doc.addPage(); y = 20; } doc.setFontSize(8); doc.setTextColor(120); const footerText = "This information is illustrative, based on your inputs and general financial principles. It is not financial advice. Actual lender assessments involve more factors, detailed credit checks, and current market conditions."; const splitFooter = doc.splitTextToSize(footerText, doc.internal.pageSize.getWidth() - 28); doc.text(splitFooter, 14, y); doc.save("Auto_Loan_Financial_Profile.pdf"); } // Initial setup alfpaUpdateNavButtons(); // Make functions globally accessible window.alfpaSwitchTab = alfpaSwitchTab; window.alfpaNavigateTab = alfpaNavigateTab; window.alfpaAnalyzeProfile = alfpaAnalyzeProfile; window.alfpaDownloadPDF = alfpaDownloadPDF;