<?php
require_once('../koneksi.php');
if (isset($_POST["plafond"]) && $_POST["plafond"] != '' &&isset($_POST["tenor"]) && $_POST["tenor"] != '' &&isset($_POST["bangsuran"]) && $_POST["bangsuran"] != '')
{
$plafond = $_POST["plafond"];
$tenor=$_POST['tenor'];
$kd_jw=$_POST['kode_jiwa'];
$gaji1=$_POST['gaji'];
$bangsuran1=$_POST['bangsuran'];
$jns_pen=$_POST['jns_pen'];
$gaji=$gaji1;
$maks_umur =80;
$umur_saat_ini=75;
$maks_j_w=$maks_umur-$umur_saat_ini-1;
// $tenor_bl=$tenor_th*12;
$max_tenor_bl=round($tenor,2);
$data = mysqli_query($conn,"SELECT * FROM rate_asuransi WHERE usia=$umur_saat_ini and tahun=$maks_j_w");
$d = mysqli_fetch_array($data);
$rate=$d['persen'];
$h28=0.18;
$hasil=($gaji * $max_tenor_bl * 0.9) / ((0.0118 * $max_tenor_bl)+1);
$maksplat=$plafond;
if (substr($maksplat,-5)>49999){
$maksplat=round($maksplat,-5);
} else {
$maksplat=round($maksplat,-5)+100000;
}
$loan = $maksplat;
$interest = 0.18;
$months = $max_tenor_bl;
function pmt($interest, $months, $loan) {
$months = $months;
$interest = $interest / 12;
$amount = $interest * -$loan * pow((1 + $interest), $months) / (1 - pow((1 + $interest), $months));
return round($amount);
}
$amount = pmt($interest, $months, $loan);
$loan2 = $maksplat;
$interest2 = 0.23;
$months2 = $max_tenor_bl;
function pmt1($interest2, $months2, $loan2) {
$months2 = $months2;
$interest2 = $interest2 / 12;
$amount2 = $interest2 * -$loan2 * pow((1 + $interest2), $months2) / (1 - pow((1 + $interest2), $months2));
return round($amount2);
}
$amount2 = pmt1($interest2, $months2, $loan2);
$tnj_pas=0.09*$gaji;
$tunj_brs=0.033*$gaji;
$tunj_askes=0.02*$gaji;
$pens_pkk=$gaji-$tnj_pas-$tunj_brs+$tunj_askes;
if ($kd_jw=='1000')
{
$gaji=$gaji;
}
else
{
$gaji=$pens_pkk;
}
$dbr=$amount2/$gaji;
$dr=round($dbr,4);
do {
$maksplat=$maksplat-100000;
$loan = $maksplat;
$amount = pmt($interest, $months, $loan);
$loan2 = $maksplat;
$amount2 = pmt1($interest2, $months2, $loan2);
$dbr=$amount2/$gaji;
$dbr=$amount2/$gaji;
$dr=round($dbr,4);
//echo "$loan2<br>";
}
while ($dbr >= 0.90);
$adm=$maksplat*0.045;
$provisi=$maksplat*0.015;
$materai=70000;
$bhaji=50000;
$bangsuran=round($bangsuran1,2);
$totalbangsuran=$amount2*$bangsuran;
$asuransi=$maksplat*$rate;
$b_adm=$amount2-$amount;
$dbr_fix=round($dr*100,4);
$flaging=250000;
$fl_asa=$tenor/12;
$fl_up=round($fl_asa);
$xfl=$fl_up*60000;
if($jns_pen=='ASABRI')
{
$flaging=$flaging;
}
else
{
$flaging=$xfl;
}
$totalby=$materai+$totalbangsuran+$flaging+$provisi+$asuransi+$adm;
$netpencairan=$plafond-$totalby;
$sisa=$gaji1-$amount2;
$sisa_gaji=$gaji-$amount2;
$resp["plafond"] = $maksplat;
$resp["jkwkt"] = $max_tenor_bl;
$resp["angsuran(eff)"] = $amount;
$resp["b_adm"] = $b_adm;
$resp["total_angs"] = $amount2;
$resp["pens_pkk"] = $pens_pkk;
$resp["dbr"] = $dbr_fix;
$resp["adm"] = $adm;
$resp["totalbya"] = $totalby;
$resp["provisi"] = $provisi;
$resp["asuransi"] = $asuransi;
$resp["bflag"] = $flaging;
$resp["materai"] = $materai;
$resp["bangsuran"] = $bangsuran;
$resp["totalbangsuran"] = $totalbangsuran;
$resp["net_pencairan"] = $netpencairan;
$resp["sisa_gaji"] = $sisa;
}
else
{
$resp["error"] = "Terjadi Kesalahan";
}
header('content-type: application/json');
$response["response"]=$resp;
echo json_encode($response);
@mysqli_close($conn);
?>
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