<!DOCTYPE html>
<html>
<head>
<meta charset="UTF-8">
<title>JavaScript Loan Calculator</title>
<style>
.output{font-weight: bold;}
#payment{text-decoration: underline;}
#graph{border: 1px solid black;}
th, td{vertical-align: top;}
</style>
</head>
<body>
<table>
<tr>
<th>Enter Loan Data:</th>
<td></td>
<th>Loan Balance,Cumulative Equity,and Interest Payments</th>
</tr>
<tr>
<td>Amount of the loan($):</td>
<td><input id="amount" οnchange="calculate();"/></td>
<!--数量-->
<td rowspan="8"><canvas id="graph" width="400" height="250"></canvas></td>
<!--图表-->
</tr>
<tr>
<td>Annual interest(%):</td>
<td><input id="apr" οnchange="calculate();" /></td>
<!--年百分利率-->
</tr>
<tr>
<td>Repayment period (years):</td>
<td><input id="years" οnchange="calculate();" /></td>
</tr>
<tr>
<td>Zipcode (to find lenders):</td>
<td><input id="zipcode" οnchange="calculate();" /></td>
<!--邮政编码-->
</tr>
<tr>
<td>Approximate Payments:</td>
<td><button id="years" οnchange="calculate();">Calculate</button></td>
<!--计算-->
</tr>
<tr>
<td>Monthly payment:</td>
<td>$<span class="output" id="payment"></span></td>
<!--付款-->
</tr>
<tr>
<td>Total interest:</td>
<td>$<span class="output" id="total"></span></td>
<!--全部的-->
</tr>
<tr>
<td>Total payment:</td>
<td>$<span class="output" id="totalinterest"></span></td>
<!--总利息-->
</tr>
<tr>
<th>Spinsors:</th>
<td colspan="2">
Apply for your loan with one of these fine lenders:
<div id="lenders"></div>
<!--贷款人-->
</td>
</tr>
</table>
<script>
"use strict";
function calculate(){
//查找文档中用于输入输出的元素
var amount = document.getElementById("amount");
var apr = document.getElementById("apr");
var years = document.getElementById("years");
var zipcode = document.getElementById("zipcode");
var payment = document.getElementById("payment");
var total = document.getElementById("total");
var totalinterest = document.getElementById("totalinterest");
//假如所有的输入都是合法的，将从input中获取输入数据
//将百分比格式转换成小数格式，并从年利率转化成月利率
//将年度赔付装换成月度赔付
var principal = parseFloat(amount.value);
var interest = parseFloat(apr.value)/100/12;
var payments = parseFloat(years.value)*12;
//现在计算月度赔付的数据
var x =Math.pow(1+interest,payments);//Math.pow（）进行幂次运算
var monthly = (principal*x*interest)/(x-1);
//如果结果没有超过js能表示的数字范围，且用户的输入也正确
//这里所展示的结果就是合法的
if(isFinite(monthly)){
//将数字填充到输出字段的位置，四舍五入到小数点后两位数字
payment.innerHTML = monthly.toFixed(2);
total.innerHTML = ((monthly*payments)-principal).toFixed(2);
totalinterest.innerHTML=((monthly*payments)-principal).toFixed(2);
//将用户输入的数据保存下来，这样下次访问时候也能取到数据
save(amount.value,apr.value,years.value,zipcode.value);
//找到并展示放贷人，但忽略网络错误
try{
//捕获这段代码抛出的所有异常
getLenders(amount.value,apr.value,years.value,zipcode.value);
}
//忽略这些异常
catch(e){}
//最后，用图表展示贷款余额，利息和资产收益
chart(principal,interest,monthly,payments);
}else{
payment.innerHTML="";
total.innerHTML="";
totalinterest.innerHTML="";
chart();
}
}
function save(amount,apr,years,zipcode){
if(window.localStorage){//只有在浏览器支持的时候才支持这里的代码
localStorage.loan_amount = amount;
localStorage.loan_apr = apr;
localStorage.loan_years = years;
localStorage.loan_zipcode = zipcode;
}
}
//文档首次加载的时候，将会尝试还原输入字段
window.οnlοad=function(){
//如果浏览器支持本地存储并且上次保存的值是存在的
if(window.localStorage && localStorage.loan_amount){
document.getElementById("amount").value = localStorage.loan_amount;
document.getElementById("apr").value = localStorage.loan_apr;
document.getElementById("years").value = localStorage.loan_years;
document.getElementById("zipcode").value = localStorage.loan_zipcode;
}
}
//将用户的输入发送到服务器端脚本返回一个本地放贷人的连接列表，在这个例子中并没有是现在这种查找放贷人的服务
//但如果该服务存在，该函数会使用它
function getLenders(amount,apr,years,zipcode){
//如果浏览器不支持XMLHttpRequest对象，则退出
if (!window.XMLHttpRequest)return;
//找到要显示放贷人列表的元素
var ad=document.getElementById("lenders");
if(!ad)return;//如果返回为空则退出
//将用户的输入数据进行url编码，并作为查询参数附加在URL里
var url = "getLenders.php"+
"?amt" + encodeURLComponent(amount)+
"?apr" + encodeURLComponent(apr)+
"?yrs" + encodeURLComponent(years)+
"?zip" + encodeURLComponent(zipcode);
//用XMLHttpRequest对象来提取返回数据
var req = new XMLHttpRequest();//发送一个新的请求
req.open("GET",url);//通过url发起一个http get请求
req.send(null);//不带任何正文发送这个请求
//在返回数据之前，注册一个事件处理函数，这个处理函数将会在服务器的的响应返回至客户端的时候调用
//这个异步边城模型在客户端js中是非常常见的
req.onreadystatechange = function(){
if(req.readyState == 4 && req.status == 200){
//如果代码运行到这里，说明我们得到了一个合法且完整的http响应
var response = req.responseText;//http响应是以字符串的形式呈现的
var lenders = JSON.parse(response);//将其解析为js数组
//将数组中的放贷人对象转换成HTML字符串的形式
var list="";
for(var i=0;i<lenders.length;i++){
list += "<li><a href='"+ lenders[i].url +"'>"+lenders[i].name+"</a></li>"
}
//将数据在HTML中呈现出来
ad.innerHTML = "<ul>"+list+"</ul>";
}
}
}
//在HTML<canvas>元素中用图表展示月度贷款余额，利息和资产情况
//如果不传参就清空之前的图表
function chart(principal,interest,monthly,payments){
var graph = document.getElementById("graph");
graph.width = graph.width;//用一种巧妙的手法清除并重置画布
//如果不传入参数，或者浏览器不支持画布，则直接返回。
if(arguments.length == 0 || !graph.getContext)return;
//获得画布元素『context』对象，这个对象定义了一组绘画API
var g = graph.getContext("2d");
var width = graph.width,height = graph.height;
//这里的函数的作用是将付款数字和美元数字转换成像素
function paymentToX(n){
return n*width/payments;
}
function amountToY(a){
return height - (a*height/(monthly*payments*1.05));
}
//付款数据是一条从（0，0）到（payments，monthly*payments）的直线
g.moveTo(paymentToX(0),amountToY(0));
g.lineTo(paymentToX(payments),amountToY(monthly*payments));
g.lineTo(paymentToX(payments),amountToY(0));
g.closePath();
g.fillStyle = "#f88";
g.fill();
g.font = "bold 12px sans-serif";
g.fillText("Total Interest Payments",20,20);
//很多资产数据并不是线性的，很难将其反映到图标中
var equity = 0;
g.beginPath();
g.moveTo(paymentToX(0),amountToY(0));
for(var p=1;p<=payments;p++){
//计算出每一笔赔付的利息
var thisMonthsINterest = (principal - equity)*interest;
equity += (monthly -thisMonthsInterest);
g.lineTo(paymentToX(p),amountToY(equity));
}
g.lineTo(paymentToX(payments),amountToY(0));
g.closePath();
g.fillStyle = "green";
g.fill();
g.fillText("Total Equity",20,35);
//再次循环，余额数据显示为黑色粗线条
var bal = principal;
g.beginPath();
g.moveTo(paymentToX(p),amountToY(bal));
for(var p=1;p<=payments;p++){
var thisMonthsInterest = bal*interest;
bal-=(monthl - thisMonthsINterest);
g.lineTo(paymentToX(p),amountToY(bal));
}
g.lineWidth = 3;
g.stroke();
g.fillStyle ="black";
g.fillText("Loan Balance",20,50);
//将年度数据在X轴做标记
g.textAlign = "center";
var y = amountToY(o);
for(var year = 1;year*12<=payments;year++){
var x=paymentToX(year*12);
g.fillRect(x-0.5,y-3,1,3);
if(year == 1)g.fillText("Year",x,y-5);
if(year %5 ==0 && year*12 !== payments)
g.fillText(String(year),x,y-5);
}
//将赔付数额标记在右边界
g.textAlign = "right";
g.textBaseline ="middle";
var ticks = [monthly * payments,principal];
var rightEdge = paymentToX(payments);
for(var i=0;i<ticks.length;i++){
var y = amountToY(ticks[i]);
g.fillRect(rightEdge-3,y-0.5,3,1);
g.fillText(String(ticks[i].toFixed(0)),rightEdge-5,y);
}
}
</script>
</body>
</html>
2544
02-13
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