Represent money as int and percentages as float32

components/new/details.vue

@@ -48,7 +48,7 @@
 <section class="form inputs">
 <h3>Property Details</h3>
 <label>Price ($)</label>
-<input :value="estimate.price" @input="(e) => $emit('update:price', strip(e))">
+<input :value="estimate.price/100" @input="(e) => $emit('update:price', strip(e))">
 <label>Type</label>
 <select id="" name=""
     :value="estimate.property"
@@ -113,7 +113,7 @@
 <label>Total DTI (%) - Optional</label>
 <input :value="loan.dti" @input="(e) => $emit('update:dti', e)">
 <label>Home Owner's Association ($/month)</label>
-<input :value="loan.hoa"
+<input :value="loan.hoa / 100"
 @input="(e) => { $emit('update:hoa', strip(e)) }">
 
 <label>Interest Rate (%)</label>
@@ -127,14 +127,14 @@
 <input :value="loan.hazardEscrow"
 @input="(e) => { $emit('update:hazardEscrow', stripInt(e)) }">
 <label>Hazard Insurance ($/month)</label>
-<input :value="loan.hazard"
+<input :value="loan.hazard / 100"
 @input="(e) => $emit('update:hazard', strip(e))">
 
 <label>Real Estate Tax Escrow (months)</label>
 <input :value="loan.taxEscrow"
 @input="e => $emit('update:taxEscrow', stripInt(e))">
 <label>Real Estate Tax ($/month)</label>
-<input :value="loan.tax"
+<input :value="loan.tax/100"
 @input="(e) => $emit('update:tax', strip(e))">
 </section>
 
@@ -144,7 +144,8 @@
 :key="fee.name + indx" class="fee"
 >
 	<label>
-	${{fee.amount}}{{ fee.perc ? ` ${fee.perc}%` : ''}} - {{fee.name}}<br>
+	${{(fee.amount / 100).toFixed(2)}}
+	{{ fee.perc ? ` ${fee.perc}%` : ''}} - {{fee.name}}<br>
 	{{fee.type}}
 	</label>
 	<img width="21" height="21" src="/assets/image/icon/x-red.svg"

components/new/new.vue

@@ -37,26 +37,26 @@ class="bi bi-plus" viewBox="0 0 16 16"> <path d="M8 4a.5.5 0 0 1 .5.5v3h3a.5.5 0
   @update:property="(p) => estimate.property = p"
 
   @update:loanType="(lt) => loan.type.id = lt"
-  @update:term="(lt) => loans[sel].term = lt"
+  @update:term="(lt) => loan.term = lt"
   @update:program="(p) => loans[sel].program = p"
   @update:ltv="setLtv"
   @update:amount="setAmount"
   @update:housingDti="setHousingDti"
   @update:dti="setDti"
-  @update:hoa="(hoa) => loans[sel].hoa = hoa"
-  @update:interest="(i) => loans[sel].interest = i"
+  @update:hoa="(hoa) => loan.hoa = hoa*100"
+  @update:interest="(i) => loan.interest = i"
   @update:interestDays="(d) => loans[sel].interestDays = d"
   @update:hazardEscrow="(h) => loans[sel].hazardEscrow = h"
-  @update:hazard="(h) => loans[sel].hazard = h"
+  @update:hazard="(h) => loan.hazard = h * 100"
   @update:taxEscrow="(t) => loans[sel].taxEscrow = t"
-  @update:tax="(t) => loans[sel].tax = t"
-  @update:manualMI="perc => loans[sel].mi.rate = perc"
+  @update:tax="(t) => loan.tax = t*100"
+  @update:manualMI="perc => loan.mi.rate = perc"
   @toggle:manualMIMonthly=
   "() => loans[sel].mi.monthly = !loans[sel].mi.monthly"
   @continue="generate"
 />
 <loan-summary v-if="hash == '#new/summary'"
-    :loan="loan" :downpayment="estimate.price - loan.amount" :token="token" :estimate="estimate"/>
+    :loan="loan" :downpayment="estimate.price -  loan.amount" :token="token" :estimate="estimate"/>
 
 </div>
 </template>
@@ -81,7 +81,7 @@ const example = {
 		hazardEscrow: 0, // Hazard insurance escrow in months (0 is none)
 		tax: 0, // Real Estate taxes monthly payment
 		taxEscrow: 0, // Months to escrow (0 is none)
-		hoa: 100, // Home owner's association monthly fee
+		hoa: 10000, // Home owner's association monthly fee
 		program: "",
 		pud: true, // Property under development
 		zip: '',
@@ -133,7 +133,7 @@ function del() {
 
 // Updates the property price for all loans and their fee amounts.
 function setPrice(value) {
-	this.estimate.price = value
+	this.estimate.price = Math.round(value*100)
 	this.estimate.loans[this.sel].fees.forEach(fee => {
 		if (fee.perc) fee.amount = (fee.perc / 100 * value).toFixed(2)
 	})
@@ -151,21 +151,21 @@ function setLtv(e) {
 
 	this.loan.ltv = ltv
 	let num = ltv / 100 * this.estimate.price
-	this.loan.amount = Math.round(num*100)
+	this.loan.amount = Math.round(num)
 }
 
 // Changes loan.amount\'s <input> and data() values, then syncs with data.ltv
 // Loan amount is in cents but LTV is in decimals so some rounding needs to be done.
 function setAmount(e) {
-	let amount = strip(e)
+	let amount = strip(e) * 100
 	if (!this.estimate.price) return
 
-	if (amount > this.loan.price) amount = this.loan.price
+	if (amount > this.estimate.price) amount = this.estimate.price
 	if (amount < 0) amount = 0
 
-	this.loan.amount = Math.round(amount * 100)
-	let num = amount / this.estimate.price * 100
-	this.loan.ltv = Math.round(num*100) / 100
+	this.loan.amount = Math.round(amount)
+	let num = amount / this.estimate.price
+	this.loan.ltv = Math.round(num*100)
 }
 
 function setDti(e) {

components/new/summary.vue

@@ -1,22 +1,23 @@
 <template>
-<div v-if="downpayment && totalMonthly > 0">
+<div v-if="valid">
 
 <section class="form inputs">
-<h3>Monthly Payment - ${{totalMonthly}}</h3>
-<label>Loan payment: ${{loanPayment.toFixed(2)}}</label>
+<h3>Monthly Payment - ${{format(totalMonthly)}}</h3>
+<label>Loan payment: ${{format(loanPayment)}}</label>
 <label v-if="loan.mi.monthly">
-    Mortgage insurance: ${{(loan.amount*loan.mi.rate/100/12).toFixed(2)}}
+    Mortgage insurance: ${{format(loan.amount*loan.mi.rate/100/12)}}
 </label>
-<label>Property taxes: ${{loan.tax}}</label>
+<label>Property taxes: ${{format(loan.tax)}}</label>
+<label>Homeowner's Insurance: ${{format(loan.hoa)}}</label>
 </section>
 
 <section class="form inputs">
-<h3>Cash to Close - ${{totalMonthly}}</h3>
-<label>Closing costs: ${{fees}}</label>
+<h3>Cash to Close - ${{format(cashToClose)}}</h3>
+<label>Closing costs: ${{format(fees)}}</label>
 <label v-if="credits">Credits: ${{credits}}</label>
-<label>Down payment: ${{downpayment.toFixed(2)}}</label>
+<label>Down payment: ${{format(downpayment)}}</label>
 <label v-if="!loan.mi.monthly">
-    Mortgage insurance: ${{(loanPayment*loan.mi.rate/100).toFixed(2)}}
+    Mortgage insurance: ${{format(loan.amount*loan.mi.rate/100)}}
 </label>
 </section>
 
@@ -30,7 +31,8 @@
 
 <script setup>
 import { ref, computed, onMounted } from 'vue'
-const props = defineProps(['downpayment', 'loan', 'valid', 'token', 'estimate'])
+let valid = ref(false)
+const props = defineProps(['downpayment', 'loan', 'token', 'estimate'])
 
 function amortize(principle, rate, periods) {
     return principle * rate*(1+rate)**periods / ((1+rate)**periods - 1)
@@ -38,43 +40,46 @@ function amortize(principle, rate, periods) {
 
 const loanPayment = computed(() => {
     let amount = props.loan.amount
-    if (!props.loan.mi.monthly) amount =
-    amount + props.loan.mi.rate/100*(amount+props.downpayment)
+    
     return amortize(props.loan.amount,
     props.loan.interest / 100 / 12,
     props.loan.term*12)
 })
   
-const totalMonthly = computed (
-    () => (loanPayment.value +
+const totalMonthly = computed (() => {
+    let total = loanPayment.value +
         props.loan.tax +
         props.loan.hoa +
-        props.loan.hazard).toFixed(2)
-    )
-
-const totalCash = computed (
-    () => (fees.value +
-        credits.value +
-        props.downpayment).toFixed(2)
-    )
+        props.loan.hazard
+        
+    if (props.loan.mi.monthly) {
+        total = total + props.loan.mi.rate/100*(props.loan.amount)
+    }
+    return total
+})
 
 // Closing costs
 const fees = computed(() => {
     return props.loan.fees.reduce((total, x) => {
             return x.amount > 0 ? total + x.amount : 0
         }, 0
-    ).toFixed(2)
+    )
 })
 
 const credits = computed(() => {
     return props.loan.fees.reduce((total, x) => {
             return x.amount < 0 ? total + x.amount : 0
         }, 0
-    ).toFixed(2)
+    )
 })
 
 const cashToClose = computed(() => {
-    return fees + credits + downpayment
+    let total = fees.value + credits.value + props.downpayment
+    if (!props.loan.mi.monthly) {
+        total = total + props.loan.mi.rate/100*(props.loan.amount)
+    }
+    
+    return total
 })
 
 function validate() {
@@ -87,15 +92,21 @@ function validate() {
     		},
 	}).then(resp => {
 		if (resp.ok && resp.status == 200) {
+		    valid.value = true
 		    return
 		} else {
 		    // resp.text().then(t => this.errors = [t])
-		    window.location.hash = 'new'
+		    // window.location.hash = 'new'
 	    }
 	})
 
 }
 
+// Print number of cents as a nice string of dollars
+function format(num) {
+    return (num/100).toFixed(2)
+}
+
 onMounted(() => {validate()})
 
 </script>

skouter.go

@@ -94,7 +94,7 @@ type Loan struct {
 	Ltv 	float32 	`json:"ltv"`
 	Dti 	float32 	`json:"dti"`
 	Hoi		int 	`json:"hoi"`
-	Interest	int 	`json:"interest"`
+	Interest	float32 	`json:"interest"`
 	Mi 	MI 	`json:"mi"`
 	Fees		[]Fee 	`json:"fees"`
 	Name		string 	`json:"name"`