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<?php
include 'includes/config.php';
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<title>Loan Calculator - Property Service , Banking Solution & Service - Mosampati</title>

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                 <?php include 'includes/header.php'; ?>

<?php       
  if(strstr(strtolower($_SERVER['HTTP_USER_AGENT']), 'mobile') || strstr(strtolower($_SERVER['HTTP_USER_AGENT']), 'android')) 
 {

?>
     
              <div class="utf-user-profile-item" style="border-radius: 0 !important;">
 <div class="utf-submit-page-inner-box" style="border-radius: 0 !important;">
     
     
			<h3 style="border-radius: 0 !important;">
			    
			    
<a href="./" style="color: white;"><i class="fa fa-arrow-left" style="color: white;padding-right: 10%;"></i>
</a> Loan Calculator </h3>
			
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<?php
}
else
{
?>
		  
		  
 <div class="parallax titlebar" data-background="images/listings-parallax.jpg" data-color="rgba(48, 48, 48, 1)" data-color-opacity="0.8" data-img-width="800" data-img-height="505" >
    <div id="titlebar">
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        <div class="row">
          <div class="col-md-12">
            <h2>Loan Calculator</h2>
            
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              <ul>
                <li><a href="./">Home</a></li>
                <li>Loan Calculator</li>
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<?php
}
?>
	
  
  <div class="container">
    <div class="row"> 
    
    
    
    
    
        <div class="col-md-12">	
			<div class="utf-section-headline-item centered margin-bottom-50 margin-top-0">
			  <h3 class="headline"> Loan Calculator</h3>

</div>  
		  </div>

<div class="col-md-7">
        <section id="contact">
		  <div class="utf-boxed-list-headline-item">
            <h3><i class="icon-feather-layers"></i> Loan Calculator </h3>
          </div>
		  <div class="utf-contact-form-item" style="padding: 0px 5px 30px 5px;">
            <form  method="post"  name="myForm3"  onsubmit="return validateForm()">
                
                
      			<div class="row">
				    
				     <div class="col-md-12">
					 <h5><b>Loan Amount <span style="color:red;">*</span></b></h5>
					 <input class="search-field" placeholder="Enter Loan Amount" type="number" id="loan_amnt" name="loan_amnt" oninput="computeLoan()"/>				  
				  </div>
				  
				  
				  
				   <div class="col-md-12">
					 <h5><b>Rate of interest (in %) <span style="color:red;">*</span></b></h5>
	<input class="search-field" placeholder="Enter Rate of interest (p.a)" type="number" id="roint" name="roint" oninput="computeLoan()"/>				  
				  </div>
				  
				  
				   <div class="col-md-12">
					 <h5><b>Loan tenure (in month)<span style="color:red;">*</span></b></h5>
					 <input class="search-field" min="1"  step="1"  placeholder="Enter Loan tenure" type="number" id="loan_ten" name="loan_ten" oninput="computeLoan()"/>				  
				  </div>
				  
				  
				  
				  
				  
				  
				  
				</div>
				<div class="utf-centered-button margin-bottom-15">	
				
				
				   
				   
				
				</div>
			  </form>

</div>	  
        </section>
      </div>
          
      
      
      
      
      
      
            <div class="col-md-5" style="position: -webkit-sticky;position: sticky;top: 0;">
        <div class="utf-boxed-list-headline-item" style="margin-bottom: 5px;">
            <h3><i class="icon-feather-map"></i>Break-up of Total Payment
</h3>
        </div>

<div class="utf-agent-content" style="border-bottom: 1px solid #dadada;">
                  
                      
                      <div class="utf-agent-name">
                    <span style="color: #485867;"><center><b>Principal Amount</b></center></span> 
               <center> <a><h4 id="result1" style="font-size: 22px;padding-top: 3px;text-align: center;"></h4></a></center>

</div>
				  
				  
				  
				  
                </div>
                
                
                
                
                <div class="utf-agent-content" style="border-bottom: 1px solid #dadada;">
                  
                      
                      <div class="utf-agent-name">
                    <span style="color: #485867;"><center><b>Total interest	</b></center></span> 
               <center> <a><h4 id="result2" style="font-size: 22px;padding-top: 3px;text-align: center;"></h4></a></center>

</div>
				  
				  
				  
				  
                </div>

<div class="utf-agent-content" style="border-bottom: 1px solid #dadada;">
                  
                      
                      <div class="utf-agent-name">
                    <span style="color: #485867;"><center><b>Monthly EMI</b></center></span> 
               <center> <a><h4 id="result3" style="font-size: 22px;padding-top: 3px;text-align: center;"></h4></a></center>

</div>
				  
				  
				  
				  
                </div>
                
                
                
                
                
                                <div class="utf-agent-content" style="border-bottom: 1px solid #dadada;">
                  
                      
                      <div class="utf-agent-name">
                    <span style="color: #485867;"><center><b>Total Amount (Principal + Interest)
</b></center></span> 
               <center> <a><h4 id="result4" style="font-size: 22px;padding-top: 3px;text-align: center;"></h4></a></center>

</div>
				  
				  
				  
				  
                </div>

</div>

</div>
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</div>
      
     
      
      
      


  <script>
 
 function computeLoan(){
//Some of the class functions have been assigned a global constant
  const principal = document.querySelector('#loan_amnt').value;
  const interest_rate = document.querySelector('#roint').value;
  const months = document.querySelector('#loan_ten').value;

var interest = interest_rate / 100 / 12;
    var payments = months * 1;
 
 
var formatter = new Intl.NumberFormat('en-IN', {
  minimumFractionDigits: 0,
});

var num_op1 = formatter.format(principal);

// Now compute the monthly payment figure, using esoteric math.
    var x = Math.pow(1 + interest, payments);
    var monthly1 = (principal*x*interest)/(x-1);

var tot_int1 = (monthly1 * payments) - principal;
   var tot_int = Math.floor(tot_int1);

var tot_amnt1 = monthly1 * payments;

var tot_amnt = Math.floor(tot_amnt1);
   
   var monthly = Math.floor(monthly1);

var tot_intt = formatter.format(tot_int);
var monthlyt = formatter.format(monthly);
var tot_amntt = formatter.format(tot_amnt);

//"innerHTML" will help you to see the information in the webpage
    document.querySelector('#result1').innerHTML = `${num_op1}`
    
    document.querySelector('#result2').innerHTML = `${tot_intt}`
    
    document.querySelector('#result3').innerHTML = `${monthlyt}`
    
    document.querySelector('#result4').innerHTML = `${tot_amntt}`

}

</script>

</div>
  </div>
  
   
  <div class="parallax margin-top-0 margin-bottom-0" data-background="https://www.wbm.org.uk/wp-content/uploads/2022/07/Business-Loan-Eligibility.png" data-color="#36383e" data-color-opacity="0.7" data-img-width="800" data-img-height="505" style="padding-top: 0px;padding-bottom: 0px;"> 
    
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            <h2>Are You Looking For A Loan ?</h2>
            <p>All kinds of loans are available, please contact us for any loan related issue</p>
            
            
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  <div class="margin-top-20 padding-bottom-20">
	  <div class="container">
		<div class="row">
		  <div class="col-xl-12 col-md-12">
			<h2><b>What is EMI?</b></h2>
			
			<p class="text-justify" style="color: #212529;">Equated Monthly Installment - EMI for short - is the amount payable every month to the bank or any other financial institution until the loan amount is fully paid off. It consists of the interest on loan as well as part of the principal amount to be repaid. The sum of principal amount and interest is divided by the tenure, i.e., number of months, in which the loan has to be repaid. This amount has to be paid monthly. The interest component of the EMI would be larger during the initial months and gradually reduce with each payment. The exact percentage allocated towards payment of the principal depends on the interest rate. Even though your monthly EMI payment won't change, the proportion of principal and interest components will change with time. With each successive payment, you'll pay more towards the principal and less in interest.

Here's the formula to calculate EMI:

</p>
			<blockquote class="margin-bottom-20">
			
			
			<img
loading=lazy class="size-full wp-image-4031 alignleft" src=images/emi/emiformula.png alt="EMI Formula" width=320 height=75 srcset="images/emi/emiformula.png" />

</blockquote>

<p class="text-justify" style="color: #212529;padding-left: 20px;">				
				
Where
<br>
<b>E</b> is EMI
<br>
<b>P</b> is Principal Loan Amount
<br>
<b>r</b> is rate of interest calculated on monthly basis. (i.e., r = Rate of Annual interest/12/100. If rate of interest is 10.5% per annum,

<br>

then <b>r</b> = 10.5/12/100=0.00875)
<br>
<b>n</b> is loan term / tenure / duration in number of months

</p>

<blockquote class="margin-bottom-20">
			
<p class="text-justify" style="color: #212529;">				
			
<i>
    <b>For example</b>, if you borrow ₹10,00,000 from the bank at 10.5% annual interest for a period of 10 years (i.e., 120 months), then EMI = ₹10,00,000 * 0.00875 * (1 + 0.00875)120 / ((1 + 0.00875)120 - 1) = ₹13,493. i.e., you will have to pay ₹13,493 for 120 months to repay the entire loan amount. The total amount payable will be ₹13,493 * 120 = ₹16,19,220 that includes ₹6,19,220 as interest toward the loan.
</i>
</p>

</blockquote>

<p class="text-justify" style="color: #212529;">
			    
Computing EMI for different combinations of principal loan amount, interest rates and loan term using the above EMI formula by hand or MS Excel is time consuming, complex and error prone. Our EMI calculator automates this calculation for you and gives you the result in a split second along with visual charts displaying payment schedule and the break-up of total payment.

</p>

</div>
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