Mateusz Gruszczyński
301 lines
15 KiB
JavaScript
301 lines
15 KiB
JavaScript
const $ = (id) => document.getElementById(id);
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const money = (v) => new Intl.NumberFormat('pl-PL', { style: 'currency', currency: 'PLN', maximumFractionDigits: 0 }).format(v || 0);
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const num = (id) => Number($(id).value || 0);
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let lineChart, pieChart, barChart, detailChart;
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let socket;
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let debounceTimer;
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let lastRequest = null;
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window.lastSimulationData = null;
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function todayIso() {
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const d = new Date();
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return d.toISOString().slice(0, 10);
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}
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function setTheme(theme) {
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document.body.dataset.theme = theme;
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localStorage.setItem('mortgage-theme', theme);
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const btn = $('themeToggle');
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if (btn) btn.textContent = theme === 'dark' ? '☀️ Jasny' : '🌙 Ciemny';
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}
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function initTheme() {
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const saved = localStorage.getItem('mortgage-theme') || 'dark';
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setTheme(saved);
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$('themeToggle').onclick = () => setTheme(document.body.dataset.theme === 'dark' ? 'light' : 'dark');
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}
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function connectWs() {
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const proto = location.protocol === 'https:' ? 'wss' : 'ws';
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socket = new WebSocket(`${proto}://${location.host}/ws/simulate`);
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socket.onopen = () => recalc();
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socket.onmessage = (event) => {
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const data = JSON.parse(event.data);
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if (data.error) return console.error(data.error);
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render(data);
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};
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socket.onclose = () => setTimeout(connectWs, 1200);
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}
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function buildRequest() {
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const rateChanges = [...document.querySelectorAll('#rateChanges .dynamic-row')].map(row => ({
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month: Number(row.querySelector('[data-field="month"]').value || 1),
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annual_rate: Number(row.querySelector('[data-field="rate"]').value || 0)
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})).filter(x => x.month > 0 && x.annual_rate >= 0);
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const overpayments = [...document.querySelectorAll('#overpayments .dynamic-row')].map(row => ({
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month: Number(row.querySelector('[data-field="month"]').value || 1),
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amount: Number(row.querySelector('[data-field="amount"]').value || 0),
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repeat: row.querySelector('[data-field="repeat"]').value,
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until_month: Number(row.querySelector('[data-field="until"]').value || 0) || null,
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commission_percent: Number(row.querySelector('[data-field="commission"]').value || 0)
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})).filter(x => x.month > 0 && x.amount > 0);
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const historicalMonths = [...document.querySelectorAll('#historicalMonths .dynamic-row')].map(row => {
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const rateRaw = row.querySelector('[data-field="rate"]').value;
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return {
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month: Number(row.querySelector('[data-field="month"]').value || 1),
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annual_rate: rateRaw === '' ? null : Number(rateRaw),
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grace_type: row.querySelector('[data-field="grace"]').value,
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overpayment: Number(row.querySelector('[data-field="overpayment"]').value || 0),
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overpayment_commission_percent: Number(row.querySelector('[data-field="commission"]').value || 0),
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note: row.querySelector('[data-field="note"]').value || ''
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};
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}).filter(x => x.month > 0);
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return {
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principal: num('principal'),
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years: num('years'),
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margin: num('margin'),
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base_rate: num('baseRate'),
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installment_type: $('installmentType').value,
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overpayment_effect: $('overpaymentEffect').value,
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loan_start_date: $('loanStartDate').value || todayIso(),
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due_day: num('dueDay') || 5,
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move_due_date_to_business_day: $('moveDueDate').checked,
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rate_changes: rateChanges,
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overpayments: overpayments,
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historical_months: historicalMonths
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};
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}
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function recalc() {
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clearTimeout(debounceTimer);
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debounceTimer = setTimeout(() => {
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lastRequest = buildRequest();
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if (socket?.readyState === WebSocket.OPEN) socket.send(JSON.stringify(lastRequest));
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}, 120);
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}
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function addRateRow(month = 13, rate = 7.0) {
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const div = document.createElement('div');
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div.className = 'dynamic-row rate-row';
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div.innerHTML = `
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<div><label class="form-label">Od miesiąca</label><input data-field="month" type="number" min="1" class="form-control form-control-sm" value="${month}"></div>
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<div><label class="form-label">Oproc. roczne %</label><input data-field="rate" type="number" step="0.01" class="form-control form-control-sm" value="${rate}"></div>
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<button class="btn btn-sm btn-outline-danger" type="button">Usuń</button>`;
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div.querySelector('button').onclick = () => { div.remove(); recalc(); };
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div.querySelectorAll('input').forEach(x => x.addEventListener('input', recalc));
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$('rateChanges').appendChild(div);
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recalc();
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}
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function addOverpaymentRow(month = 12, amount = 10000, repeat = 'once', until = '', commission = 0) {
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const div = document.createElement('div');
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div.className = 'dynamic-row overpay';
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div.innerHTML = `
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<div><label class="form-label">Miesiąc</label><input data-field="month" type="number" min="1" class="form-control form-control-sm" value="${month}"></div>
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<div><label class="form-label">Kwota</label><input data-field="amount" type="number" min="1" class="form-control form-control-sm" value="${amount}"></div>
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<div><label class="form-label">Prowizja %</label><input data-field="commission" type="number" min="0" step="0.01" class="form-control form-control-sm" value="${commission}"></div>
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<div><label class="form-label">Powtarzaj</label><select data-field="repeat" class="form-select form-select-sm"><option value="once">raz</option><option value="monthly">co miesiąc</option><option value="yearly">co rok</option></select></div>
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<div><label class="form-label">Do mies.</label><input data-field="until" type="number" min="1" class="form-control form-control-sm" value="${until || ''}"></div>
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<button class="btn btn-sm btn-outline-danger" type="button">Usuń</button>`;
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div.querySelector('[data-field="repeat"]').value = repeat;
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div.querySelector('button').onclick = () => { div.remove(); recalc(); };
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div.querySelectorAll('input,select').forEach(x => x.addEventListener('input', recalc));
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$('overpayments').appendChild(div);
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recalc();
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}
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function addHistoricalRow(month = 1, rate = '', grace = 'none', overpayment = 0, commission = 0, note = '') {
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const div = document.createElement('div');
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div.className = 'dynamic-row historical';
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div.innerHTML = `
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<div><label class="form-label">Miesiąc</label><input data-field="month" type="number" min="1" class="form-control form-control-sm" value="${month}"></div>
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<div><label class="form-label">Oproc. %</label><input data-field="rate" type="number" step="0.01" class="form-control form-control-sm" value="${rate ?? ''}" placeholder="auto"></div>
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<div><label class="form-label">Karencja</label><select data-field="grace" class="form-select form-select-sm"><option value="none">brak</option><option value="interest_only">tylko odsetki</option><option value="full">pełna</option></select></div>
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<div><label class="form-label">Nadpłata</label><input data-field="overpayment" type="number" min="0" class="form-control form-control-sm" value="${overpayment || 0}"></div>
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<div><label class="form-label">Prow. %</label><input data-field="commission" type="number" min="0" step="0.01" class="form-control form-control-sm" value="${commission || 0}"></div>
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<div><label class="form-label">Opis</label><input data-field="note" type="text" class="form-control form-control-sm" value="${String(note || '').replaceAll('"', '"')}"></div>
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<button class="btn btn-sm btn-outline-danger" type="button">Usuń</button>`;
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div.querySelector('[data-field="grace"]').value = grace || 'none';
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div.querySelector('button').onclick = () => { div.remove(); recalc(); };
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div.querySelectorAll('input,select').forEach(x => x.addEventListener('input', recalc));
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$('historicalMonths').appendChild(div);
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recalc();
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}
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function render(data) {
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window.lastSimulationData = data;
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const s = data.summary;
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$('summaryCards').innerHTML = [
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['Odsetki', money(s.total_interest)],
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['Oszczędność netto', money(s.interest_saved)],
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['Nadpłaty', money(s.total_overpayment)],
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['Prowizje', money(s.total_overpayment_fees)],
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['Okres', `${s.months} mies. / ${Math.ceil(s.months / 12)} lat`],
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['Data spłaty', s.payoff_date || '-'],
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['Skrócenie', `${s.months_saved} mies.`],
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['Średnia rata', money(s.average_payment)]
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].map(([label, value]) => `<div class="col-6 col-md-4 col-xxl-3"><div class="card border-0 shadow-sm stat-card"><div class="card-body py-3"><div class="stat-label">${label}</div><div class="stat-value">${value}</div></div></div></div>`).join('');
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$('resultText').textContent = `Dzięki nadpłatom ${money(s.total_overpayment)} oszczędność netto wynosi około ${money(s.interest_saved)} po uwzględnieniu prowizji ${money(s.total_overpayment_fees)}. Kredyt kończy się ${s.payoff_date || '—'} po ${s.months} miesiącach zamiast ${s.baseline_months}. Odsetki: ${money(s.total_interest)}.`;
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$('scheduleTable').innerHTML = data.schedule.slice(0, 240).map(r => `<tr><td>${r.month}</td><td>${r.due_date}</td><td>${r.days}</td><td>${r.rate.toFixed(2)}%</td><td>${money(r.payment)}</td><td>${money(r.principal_part)}</td><td>${money(r.interest_part)}</td><td>${money(r.overpayment)}</td><td>${money(r.overpayment_fee)}</td><td>${money(r.cumulative_cost)}</td><td>${money(r.remaining)}</td></tr>`).join('');
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renderCharts(data);
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}
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function renderCharts(data) {
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if (!data) return;
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const labels = data.schedule.map(r => r.month);
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const balance = data.schedule.map(r => r.remaining);
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const payment = data.schedule.map(r => r.payment);
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const principal = data.schedule.map(r => r.principal_part);
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const interest = data.schedule.map(r => r.interest_part);
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const cumulativeCost = data.schedule.map(r => r.cumulative_cost);
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const overpayments = data.schedule.map(r => r.overpayment);
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const yearly = new Map();
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data.schedule.forEach(r => {
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const year = Math.ceil(r.month / 12);
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yearly.set(year, (yearly.get(year) || 0) + r.interest_part);
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});
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lineChart?.destroy();
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lineChart = new Chart($('lineChart'), {
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type: 'line',
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data: { labels, datasets: [{ label: 'Saldo', data: balance, yAxisID: 'y' }, { label: 'Rata', data: payment, yAxisID: 'y1' }] },
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options: { responsive: true, maintainAspectRatio: false, interaction: { mode: 'index', intersect: false }, scales: { y: { beginAtZero: true }, y1: { position: 'right', beginAtZero: true, grid: { drawOnChartArea: false } } } }
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});
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pieChart?.destroy();
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pieChart = new Chart($('pieChart'), {
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type: 'pie',
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data: { labels: ['Kapitał', 'Odsetki', 'Nadpłaty', 'Prowizje'], datasets: [{ data: [lastRequest.principal, data.summary.total_interest, data.summary.total_overpayment, data.summary.total_overpayment_fees] }] },
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options: { responsive: true, maintainAspectRatio: false }
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});
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barChart?.destroy();
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barChart = new Chart($('barChart'), {
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type: 'bar',
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data: { labels: [...yearly.keys()].map(x => `Rok ${x}`), datasets: [{ label: 'Odsetki', data: [...yearly.values()] }] },
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options: { responsive: true, maintainAspectRatio: false, scales: { y: { beginAtZero: true } } }
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});
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detailChart?.destroy();
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detailChart = new Chart($('detailChart'), {
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data: {
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labels,
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datasets: [
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{ type: 'bar', label: 'Kapitał w racie', data: principal, stack: 'rata', yAxisID: 'y' },
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{ type: 'bar', label: 'Odsetki w racie', data: interest, stack: 'rata', yAxisID: 'y' },
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{ type: 'bar', label: 'Nadpłata', data: overpayments, stack: 'rata', yAxisID: 'y' },
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{ type: 'line', label: 'Koszt narastająco', data: cumulativeCost, yAxisID: 'y1' }
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]
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},
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options: { responsive: true, maintainAspectRatio: false, interaction: { mode: 'index', intersect: false }, scales: { x: { stacked: true }, y: { stacked: true, beginAtZero: true }, y1: { position: 'right', beginAtZero: true, grid: { drawOnChartArea: false } } } }
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});
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}
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async function download(endpoint, filename) {
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const res = await fetch(endpoint, { method: 'POST', headers: { 'Content-Type': 'application/json' }, body: JSON.stringify(buildRequest()) });
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const blob = await res.blob();
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const url = URL.createObjectURL(blob);
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const a = document.createElement('a');
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a.href = url;
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a.download = filename;
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a.click();
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URL.revokeObjectURL(url);
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}
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function exportJson() {
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const blob = new Blob([JSON.stringify(buildRequest(), null, 2)], { type: 'application/json' });
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const url = URL.createObjectURL(blob);
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const a = document.createElement('a');
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a.href = url;
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a.download = 'parametry-kredytu.json';
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a.click();
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URL.revokeObjectURL(url);
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}
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function clearRows() {
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$('rateChanges').innerHTML = '';
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$('overpayments').innerHTML = '';
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$('historicalMonths').innerHTML = '';
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}
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function applyRequest(data) {
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$('principal').value = data.principal ?? 600000;
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$('years').value = data.years ?? 25;
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$('margin').value = data.margin ?? 2;
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$('baseRate').value = data.base_rate ?? 5.75;
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$('installmentType').value = data.installment_type ?? 'equal';
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$('overpaymentEffect').value = data.overpayment_effect ?? 'shorten';
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$('loanStartDate').value = data.loan_start_date ?? todayIso();
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$('dueDay').value = data.due_day ?? 5;
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$('moveDueDate').checked = data.move_due_date_to_business_day ?? true;
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clearRows();
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(data.rate_changes || []).forEach(x => addRateRow(x.month, x.annual_rate));
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(data.overpayments || []).forEach(x => addOverpaymentRow(x.month, x.amount, x.repeat, x.until_month || '', x.commission_percent || 0));
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(data.historical_months || []).forEach(x => addHistoricalRow(x.month, x.annual_rate ?? '', x.grace_type || 'none', x.overpayment || 0, x.overpayment_commission_percent || 0, x.note || ''));
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recalc();
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}
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function importJsonFile(file) {
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const reader = new FileReader();
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reader.onload = () => {
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try {
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applyRequest(JSON.parse(reader.result));
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} catch (e) {
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alert(`Nie udało się wczytać JSON: ${e.message}`);
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}
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};
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reader.readAsText(file, 'utf-8');
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}
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async function loadNbp() {
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const btn = $('loadNbp');
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const old = btn.textContent;
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btn.textContent = 'Pobieram...';
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try {
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const res = await fetch('/api/rate/nbp');
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const data = await res.json();
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if (!res.ok || data.error) throw new Error(data.error || 'Błąd pobierania');
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$('baseRate').value = data.rate;
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recalc();
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btn.textContent = `NBP: ${data.rate}%`;
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setTimeout(() => btn.textContent = old, 2500);
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} catch (e) {
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alert(`Nie udało się pobrać stopy NBP: ${e.message}`);
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btn.textContent = old;
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}
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}
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['principal','years','baseRate','margin','installmentType','overpaymentEffect','loanStartDate','dueDay','moveDueDate'].forEach(id => $(id).addEventListener('input', recalc));
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$('addRate').onclick = () => addRateRow();
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$('addOverpayment').onclick = () => addOverpaymentRow();
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$('addHistorical').onclick = () => addHistoricalRow();
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$('exportCsv').onclick = () => download('/api/export/csv', 'symulacja-kredytu.csv');
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$('exportPdf').onclick = () => download('/api/export/pdf', 'symulacja-kredytu.pdf');
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$('exportJson').onclick = exportJson;
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$('importJson').onclick = () => $('jsonFile').click();
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$('jsonFile').onchange = (e) => e.target.files?.[0] && importJsonFile(e.target.files[0]);
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$('loadNbp').onclick = loadNbp;
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$('loanStartDate').value = todayIso();
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initTheme();
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addOverpaymentRow(24, 20000, 'once', '', 0);
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addOverpaymentRow(36, 500, 'monthly', 120, 0);
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connectWs();
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