<?php
require_once('../koneksi.php');
if (isset($_POST["gaji"]) && $_POST["gaji"] != '' &&isset($_POST["tlahir"]) && $_POST["tlahir"] != '')
{
$gaji = $_POST["gaji"];
$tlahir=$_POST['tlahir'];
$lahir =new DateTime($tlahir);
$today =new DateTime();
$umur = $today->diff($lahir);
$maks_umur =80;
$umur_saat_ini=$umur->y;
$maks_j_w=$maks_umur-$umur_saat_ini-1;
//echo "$maks_j_w";
$parm_usia="";
if ($umur_saat_ini<70) {
$parm_usia="CEK USIA DEBITUR";
}
elseif ($umur_saat_ini>=80) {
$parm_usia="CEK USIA DEBITUR";
}
else
{
$parm_usia="USIA MENCUKUPI";
}
$tenor_th=3;
$tenor_bl=$tenor_th*12;
$max_tenor_bl=$maks_j_w*12;
$hasil_tenor="";
if ($tenor_bl>$max_tenor_bl) {
$hasil_tenor="MENCUKUPI";
}
else
{
$hasil_tenor="MELEBIHI";
}
$data = mysqli_query($conn,"SELECT MAX(code) as maxcode FROM plafond_master");
$d = mysqli_fetch_array($data);
$maxcode=$d['maxcode'];
$data2 = mysqli_query($conn,"SELECT plafond_ttg as plafond_maks FROM plafond_master where code='$maxcode'");
$d2 = mysqli_fetch_array($data2);
$plafond_maks=$d2['plafond_maks'];
$h28=0.23;
$hasil=($gaji * $max_tenor_bl * 0.9) / ((0.0118 * $max_tenor_bl)+1);
$maksplat=ceil($hasil);
if (substr($maksplat,-5)>49999){
$maksplat=round($maksplat,-5);
} else {
$maksplat=round($maksplat,-5)+100000;
}
$loan = $maksplat;
$interest = 0.23;
$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 = 0.25;
$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);
$dbr=$amount2/$gaji;
$dr=round($dbr,4);
do {
$maksplat=$maksplat-100000;
$loan2 = $maksplat;
$amount2 = pmt1($interest2, $months2, $loan2);
$dbr=$amount2/$gaji;
$dr=round($dbr,4);
}
while ($dbr >= 0.90);
$adm=$loan*0.05;
$provinsi=$loan*0.01;
$materai=70000;
$bhaji=50000;
$bangsuran=2;
$totalbangsuran=$amount*$bangsuran;
$totalby=$materai+$bhaji+$totalbangsuran+$adm+$provinsi;
$netpencairan=$loan-$totalby;
//echo"$gaji-$amount";
$sisa_gaji=$gaji-$amount2;
$resp["net_pencairan"] = $maksplat;
//$resp["angsuran(eff)"] = $amount;
$resp["total_angs"] = $amount2;
$resp["sisa_gaji"] = $sisa_gaji;
}
else
{
$resp["error"] = "Terjadi Kesalahan";
}
header('content-type: application/json');
$response["response"]=$resp;
echo json_encode($response);
@mysqli_close($conn);
?>
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