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( function () { |
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var el = wp.element.createElement; |
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var useState = wp.element.useState; |
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var Fragment = wp.element.Fragment; |
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var registerBlockType = wp.blocks.registerBlockType; |
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var __ = wp.i18n.__; |
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var InspectorControls = wp.blockEditor.InspectorControls; |
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var PanelColorSettings = wp.blockEditor.PanelColorSettings; |
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var useBlockProps = wp.blockEditor.useBlockProps; |
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var PanelBody = wp.components.PanelBody; |
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var RangeControl = wp.components.RangeControl; |
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var SelectControl = wp.components.SelectControl; |
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var TextControl = wp.components.TextControl; |
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var ToggleControl = wp.components.ToggleControl; |
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var Button = wp.components.Button; |
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|
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var _tc, _tv; |
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function getTypoControl() { return _tc || (_tc = window.bkbgTypographyControl); } |
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function getTypoCssVars() { return _tv || (_tv = window.bkbgTypoCssVars); } |
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|
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/* ── Affordability math ─────────────────────────── */ |
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function calcAffordability(income, monthlyDebts, rate, years, downPct, feRatio, beRatio, incomeShare, paymentMode) { |
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var monthlyIncome = income / 12; |
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var maxFront = monthlyIncome * (feRatio / 100); |
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var maxBack = monthlyIncome * (beRatio / 100) - monthlyDebts; |
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var maxDti = Math.max(0, Math.min(maxFront, maxBack)); |
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var maxShare = Math.max(0, monthlyIncome * ((incomeShare || 30) / 100)); |
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var mode = paymentMode || 'min'; |
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var maxPmt; |
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|
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if (mode === 'incomeShare') { |
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maxPmt = maxShare; |
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} else if (mode === 'dti') { |
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maxPmt = maxDti; |
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} else { |
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maxPmt = Math.min(maxDti, maxShare); |
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} |
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|
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/* Reverse mortgage: P = pmt × ((1-(1+r)^-n)/r) */ |
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var r = rate / 100 / 12; |
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var n = years * 12; |
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var maxLoan; |
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if (r === 0) { |
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maxLoan = maxPmt * n; |
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} else { |
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maxLoan = maxPmt * ((1 - Math.pow(1 + r, -n)) / r); |
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} |
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var downAmount = maxLoan > 0 ? maxLoan / (1 - downPct / 100) * (downPct / 100) : 0; |
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var maxHome = maxLoan + downAmount; |
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var dti = monthlyIncome > 0 ? ((maxPmt + monthlyDebts) / monthlyIncome) * 100 : 0; |
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|
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return { |
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maxHome: Math.max(0, maxHome), |
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maxLoan: Math.max(0, maxLoan), |
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maxMonthly: maxPmt, |
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downAmount: Math.max(0, downAmount), |
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dti: dti |
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}; |
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} |
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|
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function fmtMoney(val, cur, pos) { |
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var s = Math.round(val).toLocaleString('en-US'); |
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return pos === 'after' ? s + cur : cur + s; |
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} |
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|
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/* ── Editor Preview ──────────────────────────────── */ |
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function AffordPreview(props) { |
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var a = props.attrs; |
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var res = calcAffordability( |
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a.defaultIncome, |
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a.defaultDebts, |
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a.defaultRate, |
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a.defaultTerm, |
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a.defaultDown, |
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a.frontEndRatio, |
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a.backEndRatio, |
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a.incomeShareLimit, |
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a.monthlyPaymentMode |
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); |
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|
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var wrapStyle = { paddingTop: a.paddingTop + 'px', paddingBottom: a.paddingBottom + 'px', background: a.sectionBg || undefined }; |
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var cardStyle = { background: a.cardBg, borderRadius: a.cardRadius + 'px', padding: '32px', maxWidth: a.maxWidth + 'px', margin: '0 auto', boxShadow: '0 4px 24px rgba(0,0,0,0.06)' }; |
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|
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function inputRow(label, val, pfx, sfx) { |
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return el('div', { style: { display: 'flex', justifyContent: 'space-between', alignItems: 'center', padding: '10px 0', borderBottom: '1px solid #f3f4f6' } }, |
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el('label', { style: { color: a.labelColor, fontSize: 14 } }, label), |
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el('div', { style: { display: 'flex', alignItems: 'center', gap: 6 } }, |
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pfx ? el('span', { style: { color: a.subtitleColor, fontSize: 13 } }, pfx) : null, |
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el('input', { readOnly: true, value: val, type: 'number', style: { width: 100, textAlign: 'right', border: '1px solid #d1d5db', borderRadius: a.inputRadius + 'px', padding: '4px 8px', fontSize: 14 } }), |
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sfx ? el('span', { style: { color: a.subtitleColor, fontSize: 13 } }, sfx) : null |
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) |
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); |
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} |
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|
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function statCard(label, val, color) { |
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return el('div', { style: { background: a.statCardBg, borderRadius: 12, padding: '20px 16px', textAlign: 'center', flex: 1, minWidth: 120 } }, |
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el('div', { style: { fontWeight: 700, color: color || a.labelColor, lineHeight: 1.2 } }, val), |
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el('div', { style: { fontSize: 12, color: a.subtitleColor, marginTop: 6 } }, label) |
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); |
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} |
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|
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return el('div', { style: wrapStyle }, |
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(a.showTitle || a.showSubtitle) ? el('div', { style: { textAlign: 'center', maxWidth: a.maxWidth + 'px', margin: '0 auto 32px' } }, |
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a.showTitle ? el('h3', { className: 'bkbg-la-title', style: { color: a.titleColor } }, a.title) : null, |
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a.showSubtitle ? el('p', { className: 'bkbg-la-subtitle', style: { color: a.subtitleColor } }, a.subtitle) : null |
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) : null, |
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el('div', { style: cardStyle }, |
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|
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/* Max home hero */ |
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el('div', { style: { background: a.resultBg, border: '2px solid ' + a.resultBorder, borderRadius: a.cardRadius + 'px', padding: '28px 32px', textAlign: 'center', marginBottom: 24 } }, |
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el('div', { style: { fontSize: 12, color: a.subtitleColor, fontWeight: 600, textTransform: 'uppercase', letterSpacing: '0.06em' } }, 'Maximum Home Price'), |
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el('div', { className: 'bkbg-la-result-hero', style: { color: a.maxHomeColor } }, fmtMoney(res.maxHome, a.currency, a.currencyPos)), |
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el('div', { style: { fontSize: 13, color: a.subtitleColor } }, 'with ' + a.defaultDown + '% down · ' + a.defaultRate + '% rate · ' + a.defaultTerm + ' yr term') |
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), |
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|
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/* Inputs */ |
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inputRow('Annual Gross Income', a.defaultIncome, a.currency), |
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inputRow('Monthly Existing Debts', a.defaultDebts, a.currency), |
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inputRow('Interest Rate (%)', a.defaultRate, null, '%'), |
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inputRow('Loan Term', a.defaultTerm, null, 'years'), |
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inputRow('Down Payment (%)', a.defaultDown, null, '%'), |
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|
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/* Stat cards */ |
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el('div', { style: { display: 'flex', gap: 12, marginTop: 24, flexWrap: 'wrap' } }, |
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a.showMaxLoan ? statCard('Max Loan', fmtMoney(res.maxLoan, a.currency, a.currencyPos), a.maxLoanColor) : null, |
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a.showMonthly ? statCard('Max Monthly', fmtMoney(res.maxMonthly, a.currency, a.currencyPos), a.monthlyColor) : null, |
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a.showDTI ? statCard('DTI Ratio', res.dti.toFixed(1) + '%', a.dtiColor) : null, |
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a.showDownPayment ? statCard('Down Payment', fmtMoney(res.downAmount, a.currency, a.currencyPos), a.labelColor) : null |
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) |
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) |
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); |
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} |
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|
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/* ── Edit ────────────────────────────────────────── */ |
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function AffordEdit(props) { |
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var a = props.attributes; |
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var set = props.setAttributes; |
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var blockProps = useBlockProps((function () { |
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var _tvFn = getTypoCssVars(); |
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var s = {}; |
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if (_tvFn) { |
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Object.assign(s, _tvFn(a.titleTypo, '--bkbg-la-tt-')); |
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Object.assign(s, _tvFn(a.resultTypo, '--bkbg-la-rt-')); |
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} |
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return { className: 'bkbg-la-editor', style: s }; |
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})()); |
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|
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function s(key) { return function (v) { var o = {}; o[key] = v; set(o); }; } |
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function n(key) { return function (v) { var o = {}; o[key] = Number(v) || 0; set(o); }; } |
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function nf(key){ return function (v) { var o = {}; o[key] = parseFloat(v) || 0; set(o); }; } |
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function t(key) { return function (v) { var o = {}; o[key] = v; set(o); }; } |
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|
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return el(Fragment, null, |
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el(InspectorControls, null, |
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|
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/* Header */ |
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el(PanelBody, { title: __('Header', 'blockenberg'), initialOpen: true }, |
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el(ToggleControl, { label: __('Show Title', 'blockenberg'), checked: a.showTitle, onChange: t('showTitle'), __nextHasNoMarginBottom: true }), |
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a.showTitle ? el(TextControl, { label: __('Title', 'blockenberg'), value: a.title, onChange: s('title') }) : null, |
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el(ToggleControl, { label: __('Show Subtitle', 'blockenberg'), checked: a.showSubtitle, onChange: t('showSubtitle'), __nextHasNoMarginBottom: true }), |
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a.showSubtitle ? el(TextControl, { label: __('Subtitle', 'blockenberg'), value: a.subtitle, onChange: s('subtitle') }) : null |
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), |
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|
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/* Defaults */ |
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el(PanelBody, { title: __('Calculator Defaults', 'blockenberg'), initialOpen: true }, |
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el(TextControl, { label: __('Currency Symbol', 'blockenberg'), value: a.currency, onChange: s('currency') }), |
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el(SelectControl, { label: __('Currency Position', 'blockenberg'), value: a.currencyPos, options: [{ label: 'Before ($100)', value: 'before' }, { label: 'After (100$)', value: 'after' }], onChange: s('currencyPos') }), |
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el(TextControl, { label: __('Default Annual Income', 'blockenberg'), value: String(a.defaultIncome), onChange: n('defaultIncome'), type: 'number' }), |
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el(TextControl, { label: __('Default Monthly Debts', 'blockenberg'), value: String(a.defaultDebts), onChange: n('defaultDebts'), type: 'number', help: __('Existing monthly debt payments (car, student loan, etc.)', 'blockenberg') }), |
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el(TextControl, { label: __('Default Interest Rate (%)', 'blockenberg'), value: String(a.defaultRate), onChange: nf('defaultRate'), type: 'number', step: '0.1' }), |
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el(TextControl, { label: __('Default Loan Term (years)', 'blockenberg'), value: String(a.defaultTerm), onChange: n('defaultTerm'), type: 'number' }), |
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el(TextControl, { label: __('Default Down Payment (%)', 'blockenberg'), value: String(a.defaultDown), onChange: n('defaultDown'), type: 'number' }) |
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), |
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|
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/* DTI Ratios */ |
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el(PanelBody, { title: __('DTI Ratio Limits', 'blockenberg'), initialOpen: false }, |
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el(RangeControl, { label: __('Front-End Ratio (%)', 'blockenberg'), value: a.frontEndRatio, onChange: n('frontEndRatio'), min: 20, max: 45, help: __('Max % of income for housing costs (default 28%)', 'blockenberg') }), |
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el(RangeControl, { label: __('Back-End Ratio (%)', 'blockenberg'), value: a.backEndRatio, onChange: n('backEndRatio'), min: 30, max: 55, help: __('Max % of income for all debts (default 43%)', 'blockenberg') }), |
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el(SelectControl, { |
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label: __('Max Monthly Payment Rule', 'blockenberg'), |
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value: a.monthlyPaymentMode, |
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options: [ |
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{ label: __('Conservative: min(DTI limit, income share)', 'blockenberg'), value: 'min' }, |
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{ label: __('DTI ratios only', 'blockenberg'), value: 'dti' }, |
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{ label: __('Income share only', 'blockenberg'), value: 'incomeShare' } |
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], |
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onChange: s('monthlyPaymentMode') |
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}), |
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el(RangeControl, { |
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label: __('Income Share Limit (%)', 'blockenberg'), |
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value: a.incomeShareLimit, |
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onChange: n('incomeShareLimit'), |
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min: 10, |
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max: 60, |
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help: __('Cap max monthly payment to this % of gross monthly income.', 'blockenberg') |
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}) |
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), |
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|
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/* Display */ |
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el(PanelBody, { title: __('Display Options', 'blockenberg'), initialOpen: false }, |
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el(ToggleControl, { label: __('Show Max Loan Amount', 'blockenberg'), checked: a.showMaxLoan, onChange: t('showMaxLoan'), __nextHasNoMarginBottom: true }), |
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el(ToggleControl, { label: __('Show Max Monthly Payment', 'blockenberg'), checked: a.showMonthly, onChange: t('showMonthly'), __nextHasNoMarginBottom: true }), |
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el(ToggleControl, { label: __('Show DTI Ratio', 'blockenberg'), checked: a.showDTI, onChange: t('showDTI'), __nextHasNoMarginBottom: true }), |
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el(ToggleControl, { label: __('Show Down Payment Amount', 'blockenberg'), checked: a.showDownPayment, onChange: t('showDownPayment'), __nextHasNoMarginBottom: true }) |
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), |
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|
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/* Colors */ |
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|
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el( PanelBody, { title: __( 'Typography', 'blockenberg' ), initialOpen: false }, |
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getTypoControl() && el(getTypoControl(), { label: __('Title', 'blockenberg'), value: a.titleTypo || {}, onChange: function (v) { set({ titleTypo: v }); } }), |
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getTypoControl() && el(getTypoControl(), { label: __('Result', 'blockenberg'), value: a.resultTypo || {}, onChange: function (v) { set({ resultTypo: v }); } }) |
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), |
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el(PanelColorSettings, { |
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title: __('Colors', 'blockenberg'), |
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initialOpen: false, |
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colorSettings: [ |
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{ value: a.accentColor, onChange: s('accentColor'), label: __('Accent', 'blockenberg') }, |
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{ value: a.cardBg, onChange: s('cardBg'), label: __('Card Background', 'blockenberg') }, |
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{ value: a.resultBg, onChange: s('resultBg'), label: __('Result Box BG', 'blockenberg') }, |
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{ value: a.resultBorder, onChange: s('resultBorder'), label: __('Result Box Border', 'blockenberg') }, |
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{ value: a.maxHomeColor, onChange: s('maxHomeColor'), label: __('Max Home Price', 'blockenberg') }, |
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{ value: a.maxLoanColor, onChange: s('maxLoanColor'), label: __('Max Loan', 'blockenberg') }, |
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{ value: a.monthlyColor, onChange: s('monthlyColor'), label: __('Monthly Payment', 'blockenberg') }, |
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{ value: a.dtiColor, onChange: s('dtiColor'), label: __('DTI Ratio', 'blockenberg') }, |
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{ value: a.statCardBg, onChange: s('statCardBg'), label: __('Stat Card BG', 'blockenberg') }, |
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{ value: a.titleColor, onChange: s('titleColor'), label: __('Title Color', 'blockenberg') }, |
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{ value: a.subtitleColor, onChange: s('subtitleColor'), label: __('Subtitle Color', 'blockenberg') }, |
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{ value: a.labelColor, onChange: s('labelColor'), label: __('Label Color', 'blockenberg') }, |
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{ value: a.sectionBg, onChange: s('sectionBg'), label: __('Section Background', 'blockenberg') } |
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] |
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}), |
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|
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/* Sizing */ |
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el(PanelBody, { title: __('Sizing', 'blockenberg'), initialOpen: false }, |
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el(RangeControl, { label: __('Card Radius (px)', 'blockenberg'), value: a.cardRadius, onChange: n('cardRadius'), min: 0, max: 32 }), |
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el(RangeControl, { label: __('Input Radius (px)', 'blockenberg'), value: a.inputRadius, onChange: n('inputRadius'), min: 0, max: 20 }), |
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el(RangeControl, { label: __('Max Width (px)', 'blockenberg'), value: a.maxWidth, onChange: n('maxWidth'), min: 360, max: 1000, step: 20 }), |
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el(RangeControl, { label: __('Padding Top (px)', 'blockenberg'), value: a.paddingTop, onChange: n('paddingTop'), min: 0, max: 160 }), |
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el(RangeControl, { label: __('Padding Bottom (px)', 'blockenberg'), value: a.paddingBottom, onChange: n('paddingBottom'), min: 0, max: 160 }) |
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) |
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), |
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|
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el('div', blockProps, |
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el(AffordPreview, { attrs: a }) |
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) |
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); |
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} |
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|
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registerBlockType('blockenberg/loan-affordability', { |
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edit: AffordEdit, |
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save: function (props) { |
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var a = props.attributes; |
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return el('div', wp.blockEditor.useBlockProps.save({ |
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className: 'bkbg-la-app', |
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'data-opts': JSON.stringify(a) |
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})); |
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} |
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}); |
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}() ); |
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|
