{"id":15255,"date":"2026-02-23T15:45:45","date_gmt":"2026-02-23T15:45:45","guid":{"rendered":"https:\/\/poefcu.org\/?page_id=15255"},"modified":"2026-03-17T14:54:26","modified_gmt":"2026-03-17T14:54:26","slug":"calculators","status":"publish","type":"page","link":"https:\/\/poefcu.org\/index.php\/calculators\/","title":{"rendered":"Calculators"},"content":{"rendered":"<div id=\"cmsmasters_row_vel1bv1pgh\" class=\"cmsmasters_row cmsmasters_color_scheme_default cmsmasters_row_top_default cmsmasters_row_bot_default cmsmasters_row_boxed\">\n<div class=\"cmsmasters_row_outer_parent\">\n<div class=\"cmsmasters_row_outer\">\n<div class=\"cmsmasters_row_inner\">\n<div class=\"cmsmasters_row_margin\">\n<div id=\"cmsmasters_column_duf82lrqqa\" class=\"cmsmasters_column one_first\">\n<div class=\"cmsmasters_column_inner\"><div class=\"cmsmasters_toggles toggles_mode_toggle\">\n<div class=\"cmsmasters_toggle_wrap\" data-tags=\"all \">\n<div class=\"cmsmasters_toggle_title\">\n<span class=\"cmsmasters_toggle_plus\">\n<span class=\"cmsmasters_toggle_plus_hor\"><\/span>\n<span class=\"cmsmasters_toggle_plus_vert\"><\/span>\n<\/span>\n<a href=\"#\">Simple Mortgage Loan Calculator<\/a>\n<\/div>\n<div class=\"cmsmasters_toggle\">\n<div class=\"cmsmasters_toggle_inner\">\n<p><strong><form class=\"mcalc mcalc-conventional mcalc-color\" name=\"cv\" id=\"id_cv\">\n  \r\n<div>\r\n  <div class=\"mcalc-main\">\r\n    <div class=\"mcalc-half mcwp-purchase\">\r\n      <label for=\"inp_purchase_price\">Purchase Price<\/label>\r\n      <i>$<\/i>\r\n      <input type=\"text\" name=\"purchase_price\" id=\"inp_purchase_price\" value=\"250,000\" class=\"mcalc-dollar\">\r\n    <\/div>\r\n    <div class=\"mcalc-half mcwp-term\">\r\n      <label for=\"mortgage_term_yr\">Mortgage Term<\/label>\r\n      <select name=\"mortgage_term\" id=\"mortgage_term_yr\">\r\n        <option value=\"30\">30 Years<\/option>\r\n        <option value=\"25\">25 Years<\/option>\r\n        <option value=\"20\">20 Years<\/option>\r\n        <option value=\"15\">15 Years<\/option>\r\n        <option value=\"10\">10 Years<\/option>\r\n        <option value=\"5\">5 Years<\/option>\r\n      <\/select>\r\n    <\/div>\r\n    <div class=\"mcalc-half mcwp-down-payment\">\r\n      <label class=\"mcalc-half\" for=\"down_payment_inp\">Down Payment ($)<\/label>\r\n\r\n      <input type=\"text\" name=\"down_payment\" id=\"down_payment_inp\" value=\"\"  class=\"mcalc-half\">\r\n\r\n      <input id=\"ex1 e1\" class=\"ex1 down_payment_scrl\" data-slider-id=\"ex1Slider\" type=\"text\" data-slider-min=\"0\" data-slider-max=\"80\" data-slider-step=\"1\" data-slider-value=\"5\" data-slider-arialabel=\"DP Slider\" aria-label=\"Down Payment\" \/>\r\n      <p class=\"mcalc-percent\">5%<\/p>\r\n    <\/div>\r\n\r\n    <div class=\"mcalc-half mcwp-taxes\">\r\n      <label class=\"mcalc-half\" for=\"annual_tax_inp\">Annual Taxes ($)<\/label>\r\n      <input type=\"text\" name=\"annual_taxes\" id=\"annual_tax_inp\" value=\"\" class=\"mcalc-half\">\r\n      <input id=\"ex1 e2\" class=\"ex1 annual_tax_scrl\" data-slider-id=\"ex1Slider\" type=\"text\" data-slider-min=\"0\" data-slider-max=\"20\" data-slider-step=\"0.1\" data-slider-value=\"1\" title=\"Tax Slider\" \/>\r\n      <p class=\"mcalc-percent\">1%<\/p>\r\n    <\/div>\r\n\r\n    <div class=\"mcalc-full mcwp-interest-rate\">\r\n      <label for=\"ex1\">Interest Rate (%)<\/label>\r\n\r\n      <input id=\"ex1 e3\" name=\"interest_rate\" class=\"ex1 interest_rate_scrl\" data-slider-id=\"ex1Slider\" type=\"text\" data-slider-min=\"1\" data-slider-max=\"30\" data-slider-step=\".125\" data-slider-value=\"5\" aria-label=\"Interest Rate\"\/>\r\n\r\n      <p class=\"mcalc-percent\">5%<\/p>\r\n    <\/div><div class=\"mcalc-full mcwp-insurance-rate\">\r\n    <label for=\"ex1\">Mortgage Insurance Rate (%)<\/label>\r\n    \r\n    <input id=\"ex1 e44\" name=\"insurance_rate\" class=\"ex1 insurance_rate_scrl\" data-slider-id=\"ex1Slider\" type=\"text\" data-slider-min=\"0\" data-slider-max=\"2.5\" data-slider-step=\".01\" data-slider-value=\"0\" aria-label=\"Mortgage Insurance Rate\" \/>\r\n    <p class=\"mcalc-percent\">0%<\/p>\r\n  <\/div>\r\n  <div class=\"mcalc-full mcwp-insurance-rate-disabled\" style=\"display:none;\">\r\n    <label for=\"ex1\">Mortgage Insurance Rate (%)<\/label>\r\n    \r\n    <p class=\"mcwp-insurance-message\">Your LTV is less than 80%, so you will not need to pay PMI.<\/p>\r\n  <\/div><div class=\"mcalc-half mcwp-insurance\">\r\n      <label for=\"annual_insurance_inp\">Annual Insurance<\/label>\r\n      <i>$<\/i>\r\n      <input type=\"text\" name=\"annual_insurance\" id=\"annual_insurance_inp\" value=\"600\" class=\"mcalc-dollar\">\r\n    <\/div><div class=\"mcalc-half mcwp-hoa\">\r\n      <label for=\"monthly_hoa_inp\">Monthly HOA<\/label>\r\n      <i>$<\/i>\r\n\r\n      <input type=\"text\" name=\"monthly_hoa_form\" id=\"monthly_hoa_inp\" value=\"50\" class=\"mcalc-dollar\">\r\n\r\n    <\/div><div class=\"mcalc-full mcwp-results\">\r\n      <label for=\"cal1_email\">Want a Copy of the Results?<\/label>\r\n      <input type=\"email\" id=\"cal1_email\" placeholder=\"Enter your email address\" value=\"\" name=\"email\" \/>\r\n      <input type=\"hidden\" id=\"crm_tags\"  value=\"calculator submission,conventional mortgage\" name=\"crm_tags\" \/>\r\n      <input type=\"button\" id=\"wpmc1_send_mail\" class=\"mcwp-submit bg cv_submit mcalc-color\" value=\"Send Results!\">\r\n    <\/div>\r\n  <\/div>\r\n  <div class=\"mcalc-values\">\r\n    <div class=\"mcalc-results\">\r\n      <h2 class=\"mcalc-value mcalc-payment\">$<span id=\"emmp_div_span\">1421<\/span>\r\n      <\/h2>\r\n      <h3>Monthly Payment<\/h3>\r\n      <p class=\"mcwp-pi\">Principal & Interest <strong class=\"mcalc-value\">$<span id=\"pi_div_span\">1421<\/span><\/strong><\/p>\r\n      <p class=\"mcwp-mt\">Monthly Taxes <strong class=\"mcalc-value\">$<span id=\"mtax_div_span\">1421<\/span><\/strong><\/p>\r\n      <p>Monthly HOA <strong class=\"mcalc-value\">$<span id=\"hoa_div_span\">1421<\/span><\/strong><\/p>\r\n      <p>Monthly Insurance <strong class=\"mcalc-value\">$<span id=\"minsure_div_span\">1421<\/span><\/strong><\/p>\r\n      <p>Monthly PMI <strong class=\"mcalc-value\">$<span id=\"mpmi\">0<\/span><\/strong><\/p>\r\n      <small><\/small>\r\n    <\/div>\r\n  <\/div>\r\n<\/div>\r\n<input type=\"hidden\" name=\"principal_and_interest\" class=\"pi_div_span\" \/>\r\n<input type=\"hidden\" name=\"calculation_result\" class=\"emmp_div_span\" \/>\r\n<input type=\"hidden\" name=\"monthly_taxes\" class=\"mtax_div_span\" \/>\r\n<input type=\"hidden\" name=\"monthly_insurance\" class=\"minsure_div_span\" value=\"\"\/>\r\n<input type=\"hidden\" name=\"monthly_pmi\" class=\"mpmi_div_span\" value=\"\"\/>\r\n<input type=\"hidden\" name=\"monthly_mortgage_insurance\" class=\"mmi_div_span\" \/>\r\n<input type=\"hidden\" name=\"monthly_hoa\" class=\"hoa_div_span\" value=\"\"\/>\r\n<input type=\"hidden\" name=\"type\" value=\"cv\"\/>\r\n\n  <input type=\"hidden\" name=\"action\" value=\"mcwp_sendmail\" \/>\n  <input type=\"hidden\" name=\"g-recaptcha-response\" id=\"g-recaptcha-response\" value=\"\" \/>\n<\/form>\n<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div><div class=\"cmsmasters_toggle_wrap\" data-tags=\"all \">\n<div class=\"cmsmasters_toggle_title\">\n<span class=\"cmsmasters_toggle_plus\">\n<span class=\"cmsmasters_toggle_plus_hor\"><\/span>\n<span class=\"cmsmasters_toggle_plus_vert\"><\/span>\n<\/span>\n<a href=\"#\">Mortgage Refinance Calculator<\/a>\n<\/div>\n<div class=\"cmsmasters_toggle\">\n<div class=\"cmsmasters_toggle_inner\">\n<p><strong><form class=\"mcalc mcalc-refi mcalc-color\" name=\"rc\" id=\"id_rc\">\n  <div>\r\n    <div class=\"mcalc-main\">\r\n        <div class=\"mcalc-half\">\r\n            <label for=\"rc_annual_income\">Current Loan Amount<\/label>\r\n            <i>$<\/i>\r\n            <input name=\"original_loan_amount\" class=\"mha_input_data\" autocomplete=\"off\" currency=\"true\" type=\"text\"  id=\"rc_original_loan_amount\" value=\"300,000\" \/>\r\n        <\/div>\r\n        <div class=\"mcalc-half mha_main_wrapper\">\r\n            <label for=\"rc_interest_rate\">Interest Rate<\/label>\r\n            <input name=\"interest_rate\" autocomplete=\"off\" currency=\"true\" type=\"text\"  id=\"rc_interest_rate\" value=\"5\" \/>\r\n            <i>%<\/i>\r\n        <\/div>\r\n        <div class=\"mcalc-half mha_main_wrapper\">\r\n            <label for=\"rc_current_term\">Current Term<\/label>\r\n            <input name=\"current_term\" autocomplete=\"off\" currency=\"true\" type=\"text\" id=\"rc_current_term\" value=\"360\" \/>\r\n            <i>months<\/i>\r\n        <\/div>\r\n        <div class=\"mcalc-half\">\r\n            <label for=\"rc_origination_year\">Origination Year<\/label>\r\n            <input name=\"origination_year\" autocomplete=\"off\" currency=\"true\" type=\"text\"  id=\"rc_origination_year\" value=\"2015\" \/>\r\n        <\/div>\r\n        <div class=\"mcalc-half\">\r\n            <label for=\"rc_annual_income\">New Loan Amount<\/label>\r\n            <i>$<\/i>\r\n            <input name=\"new_loan_amount\" class=\"mha_input_data\" autocomplete=\"off\" currency=\"true\" type=\"text\"  id=\"rc_new_loan_amount\" value=\"250,000\" \/>\r\n        <\/div>\r\n        <div class=\"mcalc-half mha_main_wrapper\">\r\n            <label for=\"rc_new_interest_rate\">New Interest Rate<\/label>\r\n            <input name=\"new_interest_rate\" autocomplete=\"off\" currency=\"true\" type=\"text\"  id=\"rc_new_interest_rate\" value=\"4\" \/>\r\n            <i>%<\/i>\r\n        <\/div>\r\n        <div class=\"mcalc-half mha_main_wrapper\">\r\n            <label for=\"rc_new_loan_term\">New Loan Term<\/label>\r\n            <input name=\"new_loan_term\" autocomplete=\"off\" currency=\"true\" type=\"text\" name=\"rc_new_loan_term\" id=\"rc_new_loan_term\" value=\"360\" \/>\r\n            <i>months<\/i>\r\n        <\/div>\r\n        <div class=\"mcalc-half\">\r\n            <label for=\"rc_new_refinance_fees\">Refinance Fees<\/label>\r\n            <i>$<\/i>\r\n            <input name=\"new_refinance_fees\" class=\"mha_input_data\" autocomplete=\"off\" currency=\"true\" type=\"text\"  id=\"rc_new_refinance_fees\" value=\"1,000\" \/>\r\n        <\/div>\r\n        <div class=\"mcalc-full mcwp-results\">\r\n            <label for=\"rc_cal3_email\">Want a Copy of the Results?<\/label>\r\n            <input type=\"email\" id=\"rc_cal6_email\" placeholder=\"Enter your email address\" value=\"\" name=\"email\" \/>\r\n            <input type=\"button\" id=\"rc_wpmc6_send_mail\" class=\"mcwp-submit bg rc_submit mcalc-color\" value=\"Send Results!\">\r\n        <\/div>\r\n    <\/div>\r\n    <div class=\"mcalc-values\">\r\n        <div class=\"mcalc-results\">\r\n            <h4>Refinancing could save you<\/h4>\r\n            <h2 class=\"mcalc-value\">$<span id=\"rc_afford_house_div_span\"><\/span><em>\/month<\/em><\/h2>\r\n            <p class=\"mcwp-pi\">New monthly payment <strong>$<span id=\"rc_emmp_div_span\"><\/span><\/strong><\/p>\r\n            <p class=\"mcwp-pi\">Refinance fees <strong>$<span id=\"rc_pi_div_span\"><\/span><\/strong><\/p>\r\n            <p class=\"mcwp-pi\">Lifetime Savings  <strong>$<span id=\"rc_lifetime_div_span\"><\/span><\/strong><\/p>\r\n            <small><\/small>\r\n        <\/div>\r\n    <\/div>\r\n<\/div>\r\n  <input type=\"hidden\" name=\"cal_result_home_afford\" class=\"rc_afford_house_div_span\" \/>\r\n  <input type=\"hidden\" name=\"new_monthly_payment\" class=\"rc_emmp_div_span\" \/>\r\n  <input type=\"hidden\" name=\"refinance_fees\" class=\"rc_pi_div_span\" \/>\r\n  <input type=\"hidden\" name=\"lifetime_value\" class=\"rc_lifetime_div_span\" \/>\r\n  <input type=\"hidden\" name=\"type\" value=\"rc\"\/>\r\n\n  <input type=\"hidden\" name=\"action\" value=\"mcwp_sendmail\" \/>\n  <input type=\"hidden\" name=\"g-recaptcha-response\" id=\"g-recaptcha-response\" value=\"\" \/>\n<\/form>\n<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div><div class=\"cmsmasters_toggle_wrap\" data-tags=\"all \">\n<div class=\"cmsmasters_toggle_title\">\n<span class=\"cmsmasters_toggle_plus\">\n<span class=\"cmsmasters_toggle_plus_hor\"><\/span>\n<span class=\"cmsmasters_toggle_plus_vert\"><\/span>\n<\/span>\n<a href=\"#\">General Loan Calculator<\/a>\n<\/div>\n<div class=\"cmsmasters_toggle\">\n<div class=\"cmsmasters_toggle_inner\">\n<p><b>    <div class=\"wp-loan-calculator-main\" id=\"wp-loan-calculator-main\">\n        <style type=\"text\/css\">\n            :root {\n                --calc-background-color: #242c4c;\n                --calc-select-color: #404245;\n                --calc-bg-light-color: #ecf5fe;\n                --calc-border-color: #000000;\n                --calc-graph-color: #ebeeff;\n                --calc-graph-color-sub: #53597d;\n                --calc-graph-border-color: #1e73be;\n                --calc-graph-border-color-sub: #ffffff;\n                --calc-graph-balance-border-color: #b8204c;\n                --calc-graph-balance-point-background-color: #b8204c;\n                --calc-graph-extra-payment-graph-color: #00636b;\n                --calc-summary-chart-principal-fill-color: #ed8c2b;\n                --calc-summary-chart-interest-fill-color: #88a825;\n                --calc-summary-chart-balloon-payment-fill-color: #25649f;\n                --calc-summary-chart-down-payment-fill-color: #b8204c;\n                --calc-summary-chart-extra-payment-fill-color: #cf4a30;                \n\n            }\n        <\/style>\n        <div id=\"overlay\" style=\"display: none;\"><\/div>\n        <div id=\"loader\" style=\"display: none;\">\n          <div class=\"spinner\"><\/div>\n      <\/div>\n      <section class=\"heading-section\">\n        <div class=\"menu-sec-cls\">\n            <ul class=\"heading-sec-link\">\n                                    <li>\n                        <a href=\"javascript:void(0);\" class=\"print-table\"><i class=\"fa fa-print\" aria-hidden=\"true\"><\/i>Print<\/a>\n                    <\/li>\n                                                    <li>\n                        <a href=\"javascript:void(0);\" onclick=\"jQuery('.about-this-calculator-popup').show();jQuery('body').addClass('body-overflow-hidden');\"><i class=\"fa fa-info-circle\" aria-hidden=\"true\"><\/i>About this calculator<\/a>\n                    <\/li>\n                            <\/ul>\n        <\/div>\n        <div class=\"about-this-calculator-popup\" style=\"display: none;\">\n            <div class=\"about-this-calculator-popup-body\">\n                <a href=\"javascript:void(0);\" class=\"close-button\" onclick=\"jQuery('.about-this-calculator-popup').hide();jQuery('body').removeClass('body-overflow-hidden');\">\u2715<\/a>\n                                <div class=\"calculator-content\"><h1>Calculator Information<\/h1>\r\n<p>The Equipment Finance Calculator calculates the type of repayment required, at the frequency requested, in respect of the loan parameters entered, namely amount, term and interest rate. The Product selected determines the default interest rate for personal loan product. The Equipment Finance Calculator also calculates the time saved to pay off the loan and the amount of interest saved based on an additional input from the customer. This is if repayments are increased by the entered amount of extra contribution per repayment period. This feature is only enabled for the products that support an extra repayment. The calculations are done at the repayment frequency entered, in respect of the original loan parameters entered, namely amount, annual interest rate and term in years.<\/p>\r\n<h1>Calculator Assumptions<\/h1>\r\n<h3>Length of Month<\/h3>\r\n<p>All months are assumed to be of equal length. In reality, many loans accrue on a daily basis leading to a varying number of days interest dependent on the number of days in the particular month.<\/p>\r\n<h3>Number of Weeks or Fortnights in a Year<\/h3>\r\n<p>One year is assumed to contain exactly 52 weeks or 26 fortnights. This implicitly assumes that a year has 364 days rather than the actual 365 or 366.<\/p>\r\n<h3>Rounding of Amount of Each Repayment<\/h3>\r\n<p>In practice, repayments are rounded to at least the nearer cent. However the calculator uses the unrounded repayment to derive the amount of interest payable at points along the graph and in total over the full term of the loan. This assumption allows for a smooth graph and equal repayment amounts. Note that the final repayment after the increase in repayment amount.<\/p>\r\n<h3>Rounding of Time Saved<\/h3>\r\n<p>The time saved is presented as a number of years and months, fortnights or weeks, based on the repayment frequency selected. It assumes the potential partial last repayment when calculating the savings.<\/p>\r\n<h3>Amount of Interest Saved<\/h3>\r\n<p>This amount can only be approximated from the amount of time saved and based on the original loan details.<\/p>\r\n<h3>Calculator Disclaimer<\/h3>\r\n<p>The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for the product. Individual institutions apply different formulas. Information such as interest rates quoted and default figures used in the assumptions are subject to change.<\/p><\/div>\n            <\/div>\n        <\/div>\n    <\/section>\n\n    <section id=\"main-sec\" class=\"ctm_main_wrap\">\n        <section class=\"calculator-heading-section calculator-heading-block\">\n            <div class=\"calculator-child-heading\">\n                <h2>\n                    <center><strong>General Loan Calculator<\/strong><\/center>\n                <\/h2>\n            <\/div>\n        <\/section>\n        <section class=\"loan-option-text-info\">\n            <div class=\"custom-container loan-option-text-info-section\">\n                <div class=\"loan-option-text-info-block\">\n                    <div class=\"first-row\">\n                        <div class=\"first-row-sub-child \"  >\n\n                            <label for=\"loan_amt\" class=\"loan-text\">Loan Amount<i class=\"fa fa-info-circle\" aria-hidden=\"true\" tabindex=\"1\"><\/i><span class=\"text-tooltip-disp\">Please enter your loan amount here.<\/span><\/label>\n                            <div class=\"loan-text-dis loan-amount\">\n                                <span class=\"extra-info\">&#036;<\/span>\n                                <input type=\"text\" name=\"loan_amount\" id=\"loan_amount\" value=\"\" tabindex=\"2\" oninput=\"validateInputLoanRate(this)\" onkeydown=\"return onlyNos(event,'loan_amount')\" \/>\n                            <\/div>\n                            <input type=\"range\" min=\"1000\" max=\"1000000\" value=\"10000\" class=\"slider \" id=\"loan_amount_range\" tabindex=\"3\" >\n                        <\/div>\n                        <div class=\"first-row-sub-child \">\n                            <label for=\"loan_terms\" class=\"loan-text\">No. of Payments<i class=\"fa fa-info-circle\" aria-hidden=\"true\" tabindex=\"4\"><\/i><span class=\"text-tooltip-disp\">Please enter the number of years in which you plan to repay the loan.<\/span><\/label>\n                            <div class=\"loan-number-payment-with-label\">\n                                <div class=\"loan-text-dis no-payment\">\n                                    <!-- <span class=\"extra-info\"><\/\/?php echo __('Months', 'loan-calculator-wp'); ?><\/span> -->\n                                                                            <select name=\"repayment_freq\" id=\"repayment_freq\" class=\"payment-opt-drop \">\n                                                                                            <option value=\"Monthly\" selected>Monthly<\/option>\n                                                                                                <option value=\"Quarterly\" >Quarterly<\/option>\n                                                                                                <option value=\"Yearly\" >Yearly<\/option>\n                                                                                                <option value=\"Weekly\" >Weekly<\/option>\n                                                                                                <option value=\"Fortnight\" >Fortnightly<\/option>\n                                                                                        <\/select>                                  \n                                                                        <input type=\"text\" name=\"loan_terms\" min=\"12\" max=\"84\" maxlength=\"5\" id=\"loan_terms\" value=\"\" tabindex=\"5\" onkeydown=\"return onlyNos(event,'loan_terms')\" \/>\n\n                                <\/div>\n\n                                                            <\/div>\n\n                            <input type=\"range\" min=\"12\" max=\"84\" value=\"12\" class=\"slider \" id=\"loan_terms_range\" tabindex=\"6\" step=\"1\">\n                            <input type=\"hidden\" name=\"default_value\" value=\"12\">\n                            <input type=\"hidden\" name=\"min_value\" value=\"12\">\n                            <input type=\"hidden\" name=\"max_value\" value=\"84\">\n                            <input type=\"hidden\" name=\"current_repayment_freq\" value=\"\">\n                        <\/div>\n                        <div class=\"first-row-sub-child\" >\n                                                            <div class=\"first-row-main-child\">\n                                    <label for=\"loan_amt\" class=\"loan-text\">Payment Mode<i class=\"fa fa-info-circle\" aria-hidden=\"true\" tabindex=\"8\"><\/i><span class=\"text-tooltip-disp\">Please choose payment mode of the loan.<\/span><\/label>\n                                    <select name=\"payment_type\" id=\"payment_type\" class=\"payment-opt-drop\">\n                                        <option  value=\"In Advance\">In Advance<\/option>\n                                        <option selected value=\"In Arrears\">In Arrears<\/option>\n                                    <\/select>\n                                <\/div>\n                                                       \n                        <\/div>\n                    <\/div>\n                    <div class=\"second-row\">\n                         <div class=\"second-row-sub-child\">\n                            <label for=\"loan_amt\" class=\"loan-text\">Interest Rate<i class=\"fa fa-info-circle\" aria-hidden=\"true\" tabindex=\"8\"><\/i><span class=\"text-tooltip-disp\">The interest rate will default to the product you selected. You can also change the rate up or down to understand the effect on your repayments and total interest payable.<\/span><\/label>\n                            <div class=\"loan-text-dis\">\n                                <input type=\"text\" name=\"interest_rates\" id=\"interest_rates\" value=\"\" tabindex=\"9\"  \/>\n                                <span id=\"interest_rate_range_dis\" class=\"rate_disp\"><\/span>\n                            <\/div>\n                            <input type=\"range\" min=\"1.25\" max=\"15.00\" value=\"4.5\" class=\"slider  \" id=\"interest_rate_range\" tabindex=\"10\" step=\"0.25\">\n                        <\/div>\n                                                    <div class=\"second-row-sub-child\">\n\n                                <div class=\"loan-text-dis\">\n                                    <input type=\"hidden\" name=\"ballon_amounts\" id=\"ballon_amounts\" value=\"\" tabindex=\"11\" onkeydown=\"return onlyNos(event,'ballon_amounts')\" \/>\n\n                                    <input type=\"hidden\" name=\"ballon_amounts_per\" id=\"ballon_amounts_per\" value=\"0\" tabindex=\"12\" \/>\n                                <\/div>\n                                <input type=\"hidden\" id=\"ballon_amount_range\" tabindex=\"13\" step=\"1\" value=\"0\">\n                            <\/div>\n                                            <\/div>\n                    <div class=\"site-wraps-row-downpayment-extrapayment-row\">\n                        \n                                            <\/div>\n                <\/div>\n            <\/div>\n                        <div class=\"loan-detail-section \">\n                <div class=\"loan-detail-section-child\">\n                    <div class=\"sub-main-tab\">\n                        <div class=\"ww-loan-container\">\n                            <div class=\"tabs\">\n\n                                                                \n                                <input type=\"radio\" name=\"tabs\" id=\"tab1\" checked>\n                                <label for=\"tab1\" style=\"display: block;\">\n                                                                            <i class=\"fa fa-chart-bar\"><\/i>\n                                        <span class=\"tooltip-disp\">Repayment Chart<\/span>\n                                                                    <\/label>\n                                <input type=\"radio\" name=\"tabs\" id=\"tab3\" >\n                                <label for=\"tab3\" style=\"display: block;\">\n                                                                            <i class=\"fa fa-tasks\"><\/i>\n                                        <span class=\"tooltip-disp\">Loan Amortization Table<\/span>\n                                                                    <\/label>\n                                <input type=\"radio\" name=\"tabs\" id=\"tab2\" >\n                                <label for=\"tab2\" style=\"display: block;\">\n                                                                            <i class=\"fa fa-play\"><\/i>\n                                        <span class=\"tooltip-disp\">Video<\/span>\n                                                                    <\/label>\n                                                                <div id=\"tab-content1\" class=\"tab-content\">\n                                    <canvas id=\"loan-process-graph\" width=\"650\" height=\"320\"><\/canvas>\n                                                                            <div id=\"chart-note\" class=\"chart-note\"><p>**Note: For exceeding 120 no. of payments, a group of 12 payments will be combined into a single payment number for better chart visibility.<\/p><\/div>\n                                <\/div>\n                                <div id=\"tab-content2\" class=\"tab-content\">\n                                                                            <iframe loading=\"lazy\" width=\"560\" height=\"315\" src=\"https:\/\/www.youtube.com\/embed\/VhvlcwYUyIg?si=XQyDoLGla6aoue1v\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n                                                                    <\/div>                               \n                                <div id=\"tab-content3\" class=\"tab-content\">\n                                    <table id=\"loan-process-tbl\">\n                                        <thead>\n                                            <tr>\n                                                <th>Period<\/th>\n                                                <th>Payment<\/th>\n                                                                                                <th>Interest<\/th>\n                                                <th>Balance<\/th>\n                                            <\/tr>\n                                        <\/thead>\n                                        <tbody id=\"loan_table_data\">\n                                        <\/tbody>\n                                    <\/table>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n                <div class=\"loan-detail-section-child \" >\n                    <div class=\"summary-calculation-and-chart-wrappar\">\n                    <div class=\"loan-detail-cal-desc\">\n                        <div class=\"loan-cal-desc\">\n                            <div class=\"loan-cal-desc-heading main-heading\">\n                                <label id=\"regular_repayment_heading\"><strong>{frequency} Payment<\/strong><\/label>\n\n                        <\/div>\n                        <div class=\"loan-cal-desc-val\">\n                            <label><span><small>&#036;<\/small><span id=\"per_month_amount\"><\/span><\/span> <strong id=\"loan_amount_term_label\"><\/strong><span id=\"loan_amount_year\"><\/span><\/label>\n                        <\/div>\n                    <\/div>\n                                            <div class=\"loan-cal-desc\">\n                            <div class=\"loan-cal-desc-heading\">\n                                <label><strong>Total interest payable<\/strong><\/label>\n                            <\/div>\n                            <div class=\"loan-cal-desc-val\">\n                                <label><small>&#036;<\/small><span id=\"total_interests_amt\"><\/span> over <span id=\"total_interests_years\"><\/span> <\/label>\n                            <\/div>\n\n                        <\/div>\n                                        <span id=\"total_interests_amt_hidden\"><\/span>\n                    <div class=\"loan-cal-desc\" id=\"ballon_amt_section\">\n                        <div class=\"loan-cal-desc-heading\">\n                            <label><strong>Balloon amount (<span id=\"bill_ballon_per\">0.00<\/span>%)<\/strong><\/label>\n                        <\/div>\n                        <div class=\"loan-cal-desc-val\">\n                            <label><small>&#036;<\/small><strong><span id=\"bill_ballon_amt\">0.00<\/span><\/strong><\/label>\n                        <\/div>\n\n                    <\/div>\n\n                    \n                    \n            <\/div>\n            \n                    <\/div>\n                                <\/div>\n    <\/div>\n<\/section>\n<div class=\"contact-us-popup\" style=\"display:none;\">\n    <div class=\"contact-us-popup-body\">\n        <a href=\"javascript:void(0);\" class=\"close-button\" onclick=\"jQuery('.contact-us-popup').hide();jQuery('body').removeClass('body-overflow-hidden');\">X<\/a>\n            <\/div>\n<\/div>\n\n\n    <div class=\"calculator-disclaimer-section\">\n        <h4>Calculator Disclaimer<\/h4>\n        <p><p>The repayment amount shown using this calculator is an estimate, based on information you have provided. It is provided for illustrative purposes only and actual repayment amounts may vary. To find out actual repayment amounts, contact us. This calculation does not constitute a quote, loan approval, agreement or advice by My Finance. It does not take into account your personal or financial circumstances.<\/p><\/p>\n    <\/div>\n<\/section>\n<\/div><\/b><\/p>\n<\/div>\n<\/div>\n<\/div><div class=\"cmsmasters_toggle_wrap\" data-tags=\"all \">\n<div class=\"cmsmasters_toggle_title\">\n<span class=\"cmsmasters_toggle_plus\">\n<span class=\"cmsmasters_toggle_plus_hor\"><\/span>\n<span class=\"cmsmasters_toggle_plus_vert\"><\/span>\n<\/span>\n<a href=\"#\">How Much Can I Afford?<\/a>\n<\/div>\n<div class=\"cmsmasters_toggle\">\n<div class=\"cmsmasters_toggle_inner\">\n<p><strong><form class=\"mcalc mcalc-ha mcalc-color\" name=\"mha\" id=\"id_mha\">\n  <div>\r\n      <div class=\"mcalc-main\">\r\n        <div class=\"mcalc-half\">\r\n          <label for=\"mha_annual_income\">Annual Income<\/label>\r\n          <i>$<\/i>\r\n          <input name=\"annual_income\" class=\"mha_input_data\" autocomplete=\"off\" currency=\"true\" type=\"text\" id=\"mha_annual_income\" value=\"100,000\" \/>\r\n        <\/div>\r\n\r\n        <div class=\"mcalc-half\">\r\n          <label for=\"mha_monthly_debts\">Monthly Debts<\/label>\r\n          <i>$<\/i>\r\n          <input name=\"monthly_debts\" class=\"mha_input_data\" autocomplete=\"off\" currency=\"true\" type=\"text\" id=\"mha_monthly_debts\" value=\"2,000\" \/>\r\n        <\/div>\r\n\r\n        <div class=\"mcalc-half\">\r\n          <label for=\"mha_estimated_annual_property_taxes\">Estimated annual property taxes<\/label>\r\n          <i>$<\/i>\r\n          <input name=\"estimated_annual_property_taxes\" class=\"mha_input_data\" autocomplete=\"off\" currency=\"true\" type=\"text\"  id=\"mha_estimated_annual_property_taxes\" value=\"1,500\" \/>\r\n        <\/div>\r\n\r\n        <div class=\"mcalc-half\">\r\n          <label for=\"mha_estimated_annual_home_insurance\">Estimated Annual Home Insurance<\/label>\r\n          <i>$<\/i>\r\n          <input name=\"estimated_annual_home_insurance\" class=\"mha_input_data\" autocomplete=\"off\" currency=\"true\" type=\"text\"  id=\"mha_estimated_annual_home_insurance\" value=\"1,000\" \/>\r\n        <\/div>\r\n\r\n        <div class=\"mcalc-half\">\r\n          <label for=\"mha_down_payment\">Down Payment<\/label>\r\n          <i>$<\/i>\r\n          <input name=\"down_payment\" class=\"mha_input_data\" autocomplete=\"off\" currency=\"true\" type=\"text\" id=\"mha_down_payment\" value=\"10,000\" \/>\r\n        <\/div>\r\n\r\n        <div class=\"mcalc-half mha_main_wrapper\">\r\n          <label for=\"mha_interest_rate\">Interest Rate<\/label>\r\n          <input name=\"interest_rate\"  class=\"mha_input_data_right\" autocomplete=\"off\" currency=\"true\" type=\"text\" id=\"mha_interest_rate\" value=\"4\" \/>\r\n          <i>%<\/i>\r\n        <\/div>\r\n\r\n        <div class=\"mcalc-full\">\r\n          <label for=\"mha_loan_term\">Loan Term<\/label>\r\n          <select name=\"mortgage_term\" id=\"mha_loan_term\">\r\n            <option value=\"30\">30 year fixed<\/option>\r\n            <option value=\"15\">15 year fixed<\/option>\r\n          <\/select>\r\n        <\/div>\r\n\r\n        <div class=\"mcalc-full mcwp-results\">\r\n          <label for=\"mha_cal3_email\">Want a Copy of the Results?<\/label>\r\n          <input type=\"email\" id=\"mha_cal5_email\" placeholder=\"Enter your email address\" value=\"\" name=\"email\" \/>\r\n          <input type=\"button\" id=\"mha_wpmc5_send_mail\" class=\"mcwp-submit bg mha_submit mcalc-color\" value=\"Send Results!\">\r\n        <\/div>\r\n      <\/div>\r\n\r\n      <div class=\"mcalc-values\">\r\n        <div class=\"mcalc-results\">\r\n          <h4>You can afford up to<\/h4>\r\n          <h2 class=\"mcalc-value\">$<span id=\"mha_afford_house_div_span\"><\/span><\/h2>\r\n          <p class=\"mcwp-pi\">Monthly Payment <strong>$<span id=\"mha_emmp_div_span\"><\/span><\/strong><\/p>\r\n          <p class=\"mcwp-pi\">Principal & Interest <strong>$<span id=\"mha_pi_div_span\"><\/span><\/strong><\/p>\r\n          <p class=\"mcwp-pi\">Tax <strong>$<span id=\"mha_taxes_div_span\"><\/span><\/strong><\/p>\r\n          <p class=\"mcwp-pi\">Insurance <strong>$<span id=\"mha_insurance_div_span\"><\/span><\/strong><\/p>\r\n           <small><\/small>\r\n        <\/div>\r\n      <\/div>\r\n     <\/div>\r\n        <input type=\"hidden\" name=\"cal_result_home_afford\" class=\"mha_afford_house_div_span\" \/>\r\n        <input type=\"hidden\" name=\"monthly_payment\" class=\"mha_emmp_div_span\" \/>\r\n        <input type=\"hidden\" name=\"principal_interest\" class=\"mha_pi_div_span\" \/>\r\n        <input type=\"hidden\" name=\"tax_value\" class=\"mha_taxes_div_span\" value=\"\"\/>\r\n        <input type=\"hidden\" name=\"insurance_value\" class=\"mha_insurance_div_span\" value=\"\"\/>\r\n        <input type=\"hidden\" name=\"type\" value=\"mha\"\/>\r\n      \n  <input type=\"hidden\" name=\"action\" value=\"mcwp_sendmail\" \/>\n  <input type=\"hidden\" name=\"g-recaptcha-response\" id=\"g-recaptcha-response\" value=\"\" \/>\n<\/form>\n<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-15255","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/pages\/15255","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/comments?post=15255"}],"version-history":[{"count":19,"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/pages\/15255\/revisions"}],"predecessor-version":[{"id":15615,"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/pages\/15255\/revisions\/15615"}],"wp:attachment":[{"href":"https:\/\/poefcu.org\/index.php\/wp-json\/wp\/v2\/media?parent=15255"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}