function gjjloan1(obj)
{
  var sqje;//贷款申请金额
  var sqnx;//贷款申请年限
  var select; //还款方式
  
  var yjhk;//月均还款额
  var bxhj;//还款方式

var syhk;//收还款额
  var bxhj2; //本息合计等本金

//中间变量
 var gbl;
 var jtysr; //家庭月收入
 var r;//月还款
 var gjjdka;//住房公积金贷款额度a
 var gjjdkb;//住房公积金贷款额度b
 var gjjdkc;//住房公积金贷款额度c

 

 gryjce=obj.sqje.value;
if(gryjce<=0){alert('贷款申请金额不能为空,请输入');
                     obj.sqje.value='';return;}

/* poyjce=obj.sqnx.value;
if (obj.jcbl[0].checked==true){grjcbl=0.08;}
else {grjcbl=0.1;}

if (obj.p_bl[0].checked==true){pojcbl=0.08;}
else {pojcbl=0.1;}

if (obj.xz[0].checked==true){fwxz=0.9;}
else {fwxz=0.95;}

if (obj.xy[0].checked==true){xy=1.3;}
else if(obj.xy[1].checked==true){xy=1.15;}
else {xy=1;}


 
 fwzj=obj.hkfs.value;

if(fwzj<=0){alert('房屋总价不能为空,请输入');
                     obj.mount.value='';return;}
  */
 dknx=Math.round(obj.sqnx.value);

if(dknx<=0){alert('贷款申请年限不能为空,请输入');
                     obj.sqnx.value='';return;}
if(dknx>30){alert('贷款申请年限不能大于30年,请重新输入');
                     obj.sqnx.value='';return;}
 
hkfs=obj.select.value;

 var ylv_new ;
if(dknx>=1&&dknx<=5)
ylv_new = "0.003975";
else
ylv_new = "0.004200";

 if(hkfs==1)
 { 	



var ncm  = parseFloat(ylv_new) + 1;//n次幂
//alert(ncm);
var dknx_new = dknx*12;

total_ncm = Math.pow(ncm, dknx_new) 

var dked = obj.sqje.value;

//======
/*var total = ((dked*ylv_new*total_ncm)/(total_ncm-1))*1000;//alert(total);

var total1 = (total.toString()).indexOf(".");
var total2 = (total.toString()).substring(0,total1);//
var total3 = (total2.toString()).substring(total2.length-1,total2.length);//最后一位
var total4 = parseInt((total2.toString()).substring(total2.length-2,total2.length-1));//倒数二位
//alert(total3);
if(parseInt(total3)>=5)
total4 = total4 + 1;
total2 = (total2.toString()).substring(0,total2.length-2)+total4.toString();
//alert(total2);
obj.yjhk.value = parseFloat(total2)/100;
*/
obj.yjhk.value = Math.round(((dked*ylv_new*total_ncm)/(total_ncm-1))*100)/100;
var pp = Math.round(((dked*ylv_new*total_ncm)/(total_ncm-1))*100)/100;
//================================
//obj.bxhj.value = Math.round((parseFloat(total2)/100)*dknx*12*100)/100;
obj.bxhj.value = Math.round(pp*dknx*12*100)/100;


//=================================
 	
 
 	
 	
}else{
var dked = obj.sqje.value;
//obj.syhk.value =dked/(dknx*12)+dked*0.003975;
//alert(dked/(dknx*12)+dked*0.003975);
//================
switch(dknx){         //等额本金还款方式首月还款额参照表 
  case 1 : rb=4.77;        break;
  case 2 : rb=4.77;   break;
  case 3 : rb=4.77;     break;
  case 4 : rb=4.77;   break;
  case 5 : rb=4.77;   break;
  case 6 : rb=5.040;   break;
  case 7 : rb=5.040;   break;
  case 8 : rb=5.040;   break;
  case 9 : rb=5.040;   break;
  case 10 : rb=5.040;  break;
  case 11 : rb=5.040;   break;
  case 12 : rb=5.040;  break;
  case 13 : rb=5.040;  break;
  case 14 : rb=5.040;   break;
  case 15 : rb=5.040;  break;
  case 16 : rb=5.040;  break;
  case 17 : rb=5.040;  break;
  case 18 : rb=5.040;  break;
  case 19 : rb=5.040;  break;
  case 20 : rb=5.040;  break;
  case 21 : rb=5.040;  break;
  case 22 : rb=5.040;  break;
  case 23 : rb=5.040;  break;
  case 24 : rb=5.040;  break;
  case 25 : rb=5.040;  break;
  case 26 : rb=5.040;  break;
  case 27 : rb=5.040;  break;
  case 28 : rb=5.040;  break;
  case 29 : rb=5.040;  break;
  case 30 : rb=5.040;  break;
}

//var syhk=Math.round((dked/(dknx*12)+dked*rb/(100*12))*100)/100;
var syhk = dked/(dknx*12)+dked*rb/1200;
obj.syhk.value= Math.round(syhk*100)/100;
//alert(syhk);
var yhke; //月还款额
var bxhj = 0; //本息合计
var dkys; //贷款月数
var sydkze;//当前剩余贷款总额
var yhkbj; //月还款本金
dkys=dknx*12;

yhkbj=dked/dkys;

yhke=syhk;
sydkze=dked-yhkbj;
bxhj=syhk;
for (var count=2;count<=dkys; ++count){
       
       //yhke=Math.round((dked*10000/(dknx*12)+sydkze*rb/(100*12))*100)/100;
yhke=dked/dkys+sydkze*rb/1200;
sydkze-=yhkbj;
      bxhj+=yhke;
      
   
 }

//alert(bxhj);


/*var total = bxhj*1000;
//alert((total.toString()).indexOf("."));
if((total.toString()).indexOf(".")>0){
var total1 = (total.toString()).indexOf(".");
var total2 = (total.toString()).substring(0,total1);//
//alert(total2);
var total3 = (total2.toString()).substring(total2.length-1,total2.length);//最后一位
var total4 = parseInt((total2.toString()).substring(total2.length-2,total2.length-1));//倒数二位
//alert(total3);
if(parseInt(total3)>=5)
total4 = total4 + 1;
total2 = (total2.toString()).substring(0,total2.length-2)+total4.toString();
obj.bxhj2.value = parseFloat(total2)/100;
}else{
//obj.bxhj2.value = parseFloat(total.toString().substring(0,total.length-1))/1000;
alert((total.toString()).substring(0,total.toString().length-1));
}*/
//alert(total2);


obj.bxhj2.value= Math.round(bxhj*100000,5)/100000;
//alert(obj.bxhj2.value);
 }
 
 
 
 /*
 

switch(dknx){         //月均还款速算表
  case 1 : r=852.14;        break;
  case 2 : r=432.4710697;   break;
  case 3 : r=293.46378;     break;
  case 4 : r=224.0050146;   break;
  case 5 : r=182.3656265;   break;
  case 6 : r=156.6797508;   break;
  case 7 : r=136.9183397;   break;
  case 8 : r=122.1254826;   break;
  case 9 : r=110.6449335;   break;
  case 10 : r=101.4829378;  break;
  case 11 : r=94.0070996;   break;
  case 12 : r=87.79581584;  break;
  case 13 : r=82.55720217;  break;
  case 14 : r=78.0827649;   break;
  case 15 : r=74.21960416;  break;
  case 16 : r=70.85304091;  break;
  case 17 : r=67.89537559;  break;
  case 18 : r=65.27839391;  break;
  case 19 : r=62.94823917;  break;
  case 20 : r=60.86182298;  break;
  case 21 : r=58.98426138;  break;
  case 22 : r=57.28701034;  break;
  case 23 : r=55.74648753;  break;
  case 24 : r=54.34303869;  break;
  case 25 : r=53.06015214;  break;
  case 26 : r=51.88385442;  break;
  case 27 : r=50.80224037;  break;
  case 28 : r=49.80510385;  break;
  case 29 : r=48.88364483;  break;
  case 30 : r=48.03023512;  break;
  }

jtysr=Math.ceil((gryjce/grjcbl+poyjce/pojcbl)*10)/10;
if(jtysr<=400){alert('家庭月收入低于400，不符合贷款条件');
                     return;}

gjjdka=Math.min(Math.round((jtysr-400)/r*10000*10)/10,400000);
gjjdkb=Math.round(gjjdka*xy*10)/10;
gjjdkc=Math.round(fwzj*fwxz*10)/10; 
//obj.ze2.value=gjjdka; //jtysr;
obj.ze2.value=Math.floor(Math.min(gjjdkb,gjjdkc)/10000*10)/10;

zgdk=obj.ze2.value; //最高贷款额度




*/








//计算申请的最高贷款额度

/*
说明 
家庭月收入＝住房公积金个人月缴存额÷缴存比例+配偶住房公积金个人月缴存额÷缴存比例

住房公积金贷款额度a＝（家庭月收入－400）÷等额均还月还款额每万元月还款额，且不大于40万元

对于个人信用等级为AAA的，住房公积金贷款额度b＝住房公积金贷款额度a×130％

对于个人信用等级为AA的，住房公积金贷款额度b＝住房公积金贷款额度a×115％

对于个人信用等级其它的，住房公积金贷款额度b＝住房公积金贷款额度a

对房屋性质为商品房期房的，住房公积金贷款额度c＝房屋总价×90％

对房屋性质为其它的，住房公积金贷款额度c＝房屋总价×95％

最高贷款额度d＝min（b，c）

等额均还还款公式：

 
等额本金还款公式

首月还款额=P/（n×12）+借款总额×I

其中：P为贷款本金，I为月利率，n为贷款年限。
 

  */

}