function calculate() 
{
	var Euribor = euriborrate
	var PropPrice = eval(document.frmQuickCalc.PropertyValue.value);
	var LoanAmount = eval(document.frmQuickCalc.LoanAmount.value);
	var Years = eval(document.frmQuickCalc.RepaymentTerm.value);
	
	var LTV = ((LoanAmount * 100) / PropPrice)

	if (LoanAmount < 150000)
		{
		if (LTV < 45) 
			{
			var spreadrate = 5.30
			}
	
		if (LTV >= 45 & LTV < 55)
			{
			var spreadrate = 5.35
			}
		
		if (LTV >= 55 & LTV < 65)
			{
			var spreadrate = 5.40
			}
		if (LTV >= 65 & LTV <= 80)
			{
			var spreadrate = 5.55
			}

		}
	
	if (LoanAmount >= 150000 & LoanAmount < 250000)
		{
		if (LTV < 45) 
			{
			var spreadrate = 5.25
			}
	
		if (LTV >= 45 & LTV < 55)
			{
			var spreadrate = 5.30
			}
		
		if (LTV >= 55 & LTV < 65)
			{
			var spreadrate = 5.35
			}
		if (LTV >= 65 & LTV <= 80)
			{
			var spreadrate = 5.50
			}

		}

	if (LoanAmount > 250000)
		{
		if (LTV < 45) 
			{
			var spreadrate = 5.20
			}
	
		if (LTV >= 45 & LTV < 55)
			{
			var spreadrate = 5.25
			}
		
		if (LTV >= 55 & LTV < 65)
			{
			var spreadrate = 5.30
			}
		if (LTV >= 65 & LTV <= 80)
			{
			var spreadrate = 5.45
			}

		}


	var InterestRateSpread = ((Euribor + spreadrate) /100)
	var monthly_payment = calculate_payment (LoanAmount, InterestRateSpread / 12, Years * 12)
	if (monthly_payment > 1)
		{
		document.frmQuickCalc.Repayment.value = monthly_payment
		}
	else
		{
		document.frmQuickCalc.Repayment.value = "Input invalid"
		}

	
}


function calculate_payment(PV, IR, NP) {
  
	var PMT = (PV * IR) / (1 - Math.pow(1 + IR, -NP))
  	return round_decimals(PMT, 2)
}

function round_decimals(original_number, decimals) {

	var result1 = original_number * Math.pow(10, decimals)
	var result2 = Math.round(result1)
	var result3 = result2 / Math.pow(10, decimals)
	return (result3)
}