19) :
$rate = 20;
endif;
if($rate > 1) :
$rate = $rate / 100.;
else :
if($rate < 1) :
$rate = 1. / 100.;
endif;
endif;
$term = floatval(trim($_GET['term']));
if($term < 0.1) :
$term = 1. / 12.;
endif;
$months = ($term>32)?$term:$term*12;
$name = addslashes($_GET['name']);
$year = 1;
$lastpayment = 1;
//:: all litteral strings provided by a client must be escaped this way ::
//:: if you inject them into an HTML page ::
htmlspecialchars($name);
//:: filter input data to avoid all the useless/nasty cases ::
//:: **MISSING ::
//:: calculate the monthly payment amount ::
$payment = $amount*$rate/12*pow(1+$rate/12, $term*12)
/ (pow(1+$rate/12, $term*12)-1);
$cost = ($term*12*$payment)-$amount;
//:: build the top of our HTML page ::
$result = "Loan Calculator " .
"
Loan Calculator Dear $name, your loan goes as follows: " .
"loan details Amount %s Rate %.2f%% Term %u %s(s) Cost %.2f (%.2f%%)
", number_format($amount, 2), $rate*100,
$term,
//:: **MISSING uceil(12*term), ::
($term<36)?"year":"month",
$cost, 100/($amount/$cost));
$result .= sprintf("" .
"month payment interest " .
"principle balance %s %s " .
"%s %s %s
" .
"month payment interest " .
"principle balance