Total Estimated Transfer Fees: $${totalTransferFees.toLocaleString(undefined, {minimumFractionDigits:2, maximumFractionDigits:2})}

Financial Impact Analysis

Change in Monthly EMI: ${monthlyEMISaving > 0 ? 'Save $' : (monthlyEMISaving < 0 ? 'Increase by $' : 'No Change $')}${Math.abs(monthlyEMISaving).toLocaleString(undefined, {minimumFractionDigits:2, maximumFractionDigits:2})} per month

Potential Total Interest Difference over Loan Life*: ${totalInterestSavedOverLoanLife > 0 ? 'Save $' : (totalInterestSavedOverLoanLife < 0 ? 'Costs more by $' : 'No Change $')}${Math.abs(totalInterestSavedOverLoanLife).toLocaleString(undefined, {minimumFractionDigits:2, maximumFractionDigits:2})}

Net Financial Impact (Interest Difference - Transfer Fees)*: ${netFinancialImpact > 0 ? 'Overall Gain of $' : (netFinancialImpact < 0 ? 'Overall Cost of $' : 'Breakeven/No Change $')}${Math.abs(netFinancialImpact).toLocaleString(undefined, {minimumFractionDigits:2, maximumFractionDigits:2})}

${monthlyEMISaving > 0 && totalTransferFees > 0 ? `

Breakeven Point on Fees (Months to recoup costs via monthly savings): ${breakevenMonths.toFixed(1)} months

` : (monthlyEMISaving <=0 && totalTransferFees > 0 ? '

Breakeven Point: Not applicable as monthly payments do not decrease, or increase.

' : '

Breakeven Point: No transfer fees to recoup or no monthly savings.

')}

*Comparisons of total interest and net financial impact are most direct when loan terms are similar. Significant differences in loan terms can affect the true long-term financial picture. This calculator provides estimates based on inputs and standard formulas.

`; this.elements.analysisOutput.innerHTML = outputHTML; this.elements.pdfDownloadContainer.style.display = 'block'; this.elements.analysisTabButton.disabled = false; this.navigateToTab('LtcAnalysisTab', 'ltcAnalysisTabButton'); }, downloadPdf: function() { if (typeof jsPDF === 'undefined' || typeof jsPDF.autoTable === 'undefined') { alert('PDF generation library not loaded.'); console.error('jsPDF or jsPDF.autoTable is not loaded.'); return; } const { jsPDF } = window.jspdf; const doc = new jsPDF(); const data = this.calculatedData; const primaryColor = '#1e40af'; const accentColor = '#2563eb'; const textColor = '#334155'; const tableHeaderColor = accentColor; const lightBgColor = '#f0f9ff'; const savingsColor = '#047857'; const lossColor = '#b91c1c'; doc.setFontSize(18); doc.setTextColor(primaryColor); doc.text("Loan Transfer Cost Analysis Report", 14, 22); doc.setFontSize(10); doc.setTextColor(textColor); doc.text(`Report Generated: ${new Date().toLocaleDateString()}`, 14, 30); let currentY = 40; const addSection = (title, sectionData, isFees = false) => { doc.setFontSize(14); doc.setTextColor(primaryColor); doc.text(title, 14, currentY); currentY += 6; doc.autoTable({ body: sectionData, startY: currentY, theme: 'grid', headStyles: { fillColor: tableHeaderColor, textColor: '#ffffff', fontStyle: 'bold' }, // For potential header if needed columnStyles: { 0: { fontStyle: 'bold', cellWidth: 70 }, 1: { halign: 'right', cellWidth: 'auto'} }, didParseCell: (hookData) => { if (hookData.section === 'body' && hookData.column.index === 0) hookData.cell.styles.fillColor = lightBgColor; if(isFees && hookData.row.index === sectionData.length -1) { // Total row for fees hookData.cell.styles.fontStyle = 'bold'; hookData.cell.styles.fillColor = '#e0e7ff'; // slightly different bg for total } } }); currentY = doc.lastAutoTable.finalY + 8; }; const fNum = (num) => num.toLocaleString(undefined, {minimumFractionDigits:2, maximumFractionDigits:2}); const fTerm = (months) => `${Math.floor(months/12)} yrs, ${months % 12} mths`; addSection("Current Loan Summary", [ ["Outstanding Principal:", `$${fNum(data.currentPrincipal)}`], ["Annual Interest Rate:", `${data.currentAnnualRate.toFixed(2)}%`], ["Remaining Term:", fTerm(data.currentTotalMonths)], ["Est. Monthly Payment (EMI):", `$${fNum(data.currentEMI)}`], ["Total Interest (Remaining):", `$${fNum(data.currentTotalInterest)}`] ]); addSection("New Loan Summary", [ ["Loan Amount (Assumed):", `$${fNum(data.currentPrincipal)}`], ["New Annual Interest Rate:", `${data.newAnnualRate.toFixed(2)}%`], ["New Loan Term:", fTerm(data.newTotalMonths)], ["Est. New Monthly EMI:", `$${fNum(data.newEMI)}`], ["Total Interest (New Loan):", `$${fNum(data.newTotalInterest)}`] ]); if (data.currentTotalMonths !== data.newTotalMonths) { doc.setFontSize(9); doc.setTextColor(textColor); doc.text("Note: Loan terms differ, affecting direct total interest comparison.", 14, currentY - 3); } addSection("Transfer Cost Summary", [ ["Processing Fee:", `$${fNum(data.feesBreakdown.processingFee)}`], ["Valuation/Appraisal Fee:", `$${fNum(data.feesBreakdown.valuationFee)}`], ["Legal/Documentation Fee:", `$${fNum(data.feesBreakdown.legalFee)}`], ["Prepayment Penalty (Old Loan):", `$${fNum(data.feesBreakdown.prepaymentPenalty)}`], ["Other Miscellaneous Fees:", `$${fNum(data.feesBreakdown.otherFees)}`], ["Total Estimated Transfer Fees:", `$${fNum(data.totalTransferFees)}`] ], true); doc.setFontSize(14); doc.setTextColor(primaryColor); doc.text("Financial Impact Analysis", 14, currentY); currentY += 7; doc.setFontSize(11); doc.setTextColor(textColor); const drawImpactText = (label, value, color = textColor, prefix = "$", isBold = false) => { doc.setFont(undefined, isBold ? 'bold' : 'normal'); doc.text(label, 14, currentY); doc.setTextColor(color); doc.text(`${prefix}${fNum(value)}`, 100, currentY, {align: 'left'}); // Adjust X for value alignment doc.setTextColor(textColor); // Reset color currentY += 7; }; let monthlySavingText = data.monthlyEMISaving > 0 ? `Save ${fNum(Math.abs(data.monthlyEMISaving))} /month` : (data.monthlyEMISaving < 0 ? `Increase by ${fNum(Math.abs(data.monthlyEMISaving))} /month` : `No Change`); doc.text(`Change in Monthly EMI: ${monthlySavingText}`, 14, currentY); currentY +=7; let interestDiffText = data.totalInterestSavedOverLoanLife > 0 ? `Save ${fNum(Math.abs(data.totalInterestSavedOverLoanLife))}` : (data.totalInterestSavedOverLoanLife < 0 ? `Costs more by ${fNum(Math.abs(data.totalInterestSavedOverLoanLife))}` : `No Change`); doc.text(`Potential Total Interest Difference*: ${interestDiffText}`, 14, currentY); currentY +=7; doc.setFont(undefined, 'bold'); let netImpactText = data.netFinancialImpact > 0 ? `Overall Gain of ${fNum(Math.abs(data.netFinancialImpact))}` : (data.netFinancialImpact < 0 ? `Overall Cost of ${fNum(Math.abs(data.netFinancialImpact))}` : `Breakeven ${fNum(Math.abs(data.netFinancialImpact))}`); doc.text(`Net Financial Impact (Interest Diff. - Fees)*: `, 14, currentY, {maxWidth: 85} ); // Label doc.setTextColor(data.netFinancialImpact > 0 ? savingsColor : (data.netFinancialImpact < 0 ? lossColor : textColor)); doc.text(netImpactText, 100, currentY, {align: 'left'}); currentY +=7; doc.setTextColor(textColor); doc.setFont(undefined, 'normal'); if (data.monthlyEMISaving > 0 && data.totalTransferFees > 0) { doc.text(`Breakeven Point on Fees: ${data.breakevenMonths.toFixed(1)} months`, 14, currentY); } else if (data.monthlyEMISaving <=0 && data.totalTransferFees > 0) { doc.text(`Breakeven Point: Not applicable (no monthly savings).`, 14, currentY); } else { doc.text(`Breakeven Point: No fees to recoup or no monthly savings.`, 14, currentY); } currentY += 10; doc.setFontSize(9); doc.setTextColor('#64748b'); const finalNote = "*Comparisons of total interest and net financial impact are most direct when loan terms are similar. This calculator provides estimates based on inputs and standard formulas and does not constitute financial advice."; const splitFinalNote = doc.splitTextToSize(finalNote, 180); doc.text(splitFinalNote, 14, doc.internal.pageSize.height - 25); doc.save("Loan_Transfer_Analysis.pdf"); } }; document.addEventListener('DOMContentLoaded', function() { ltcApp.init(); });