function gjjloan2(obj)
{

  var gryjce;//住房公积金个人月缴存额
  var poyjce;//配偶住房公积金个人月缴存额
  var grjcbl;//缴存比例
  var pojcbl;//配偶缴存比例
  var xy; //个人信用
  var fwzj;//房屋总价
  var fwxz;//房屋性质
  var dknx;//贷款申请年限
  var syhk; //首月还款额
  
  var dked;//需要贷款额度
  var hkfs;//还款方式
  var bxhj; //本息合计
  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 rb;
 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.mount2.value;
if(gryjce<=0){alert('住房公积金个人月缴存额不能为空,请输入');
                    obj.mount2.value='';return;}

 poyjce=obj.mount3.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=1.15;}
else if(obj.xy[1].checked==true){xy=1.3;}
else {xy=1;}

 
 fwzj=obj.mount.value;

if(fwzj<=0){alert('房屋总价不能为空,请输入');
                     obj.mount.value='';return;}
 
 dknx=Math.round(obj.mount10.value);
//alert(dknx);
if(dknx<=0){alert('贷款申请年限不能为空,请输入');
                     obj.mount10.value='';return;}
 

 
 

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;
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;

//计算2
zgdk=obj.ze2.value; //最高贷款额度

dked=Math.round(obj.need.value*10)/10;

obj.need.value=dked;

if(dked==0){alert('需要的贷款额度不能为空,请输入');
                     obj.need.value='';return;}
if(dked<0){alert('输入的贷款额度不符合要求,请输入');
                     obj.need.value='';return;}
 

if(dked>zgdk){alert('不能高于最高贷款额度,请重新输入');
                     obj.need.value='';return;}


hkfs=obj.select.value;

if(hkfs==1){
//obj.ze22.value=Math.ceil(dked*r*100)/100;
//==============================modify by xujianfei
var ylv_new ;

if(dknx>=1&&dknx<=5)
ylv_new = "0.00300";
else
ylv_new = "0.003375";


var ncm  = parseFloat(ylv_new) + 1;//n次幂
//alert(ncm);
var dknx_new = dknx*12;
//alert(dknx_new);
/*switch(dknx_new){         //等额本金还款方式首月还款额参照表 
  case 1 : total_ncm = ncm;        break;
  case 2 : total_ncm = ncm*ncm;   break;
  case 3 : total_ncm = ncm*ncm*ncm;   break;
  case 4 : total_ncm = ncm*ncm*ncm*ncm;   break;
  case 5 : total_ncm = ncm*ncm*ncm*ncm*ncm;   break;
  case 6 : total_ncm = ncm*ncm*ncm*ncm*ncm*ncm;   break;
  case 7 : total_ncm = ncm*ncm*ncm*ncm*ncm*ncm*ncm;   break;
  case 8 : total_ncm = ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm;   break;
  case 9 : total_ncm = ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm;   break;
  case 10 : total_ncm = ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm;   break;
  case 11 : total_ncm = ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm;   break;
  case 12 : total_ncm = ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm;   break;
  case 13 : total_ncm = ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm;   break;
  case 14 : total_ncm = ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm;   break;
  case 15 : total_ncm = ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm;   break;
  case 16 : total_ncm = ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm;   break;
  case 17 : total_ncm = ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm;   break;
  case 18 : total_ncm = ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm;   break;
  case 19 : total_ncm = ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm;   break;
  case 20 : total_ncm = ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm;   break;
  case 21 : total_ncm = ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm;   break;
  case 22 : total_ncm = ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm;   break;
  case 23 : total_ncm = ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm;   break;
  case 24 : total_ncm = ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm;   break;
  case 25 : total_ncm = ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm;   break;
  case 26 : total_ncm = ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm;   break;
  case 27 : total_ncm = ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm;   break;
  case 28 : total_ncm = ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm;   break;
  case 29 : total_ncm = ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm;   break;
  case 30 : total_ncm = ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm*ncm;   break;
  }
  */
 

total_ncm = Math.pow(ncm, dknx_new) 
//==============================
/*
 var total = ((dked*10000*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.ze22.value = parseFloat(total2)/100;
*/
obj.ze22.value = Math.round(((dked*10000*ylv_new*total_ncm)/(total_ncm-1))*100)/100;
var pp = Math.round(((dked*10000*ylv_new*total_ncm)/(total_ncm-1))*100)/100;

//=========================================================
gbl=Math.round(Math.ceil(dked*r*100)/100/jtysr*1000)/10;
obj.yj2.value=gbl;
//bxhj=Math.round(r*dked*dknx*12*100)/100;
bxhj = Math.round(pp*dknx*12*100)/100;
obj.lx2.value=bxhj;
}
else{

switch(dknx){         //等额本金还款方式首月还款额参照表 
  case 1 : rb=3.60;        break;
  case 2 : rb=3.60;   break;
  case 3 : rb=3.60;     break;
  case 4 : rb=3.60;   break;
  case 5 : rb=3.60;   break;
  case 6 : rb=4.05;   break;
  case 7 : rb=4.05;   break;
  case 8 : rb=4.05;   break;
  case 9 : rb=4.05;   break;
  case 10 : rb=4.05;  break;
  case 11 : rb=4.05;   break;
  case 12 : rb=4.05;  break;
  case 13 : rb=4.05;  break;
  case 14 : rb=4.05;   break;
  case 15 : rb=4.05;  break;
  case 16 : rb=4.05;  break;
  case 17 : rb=4.05;  break;
  case 18 : rb=4.05;  break;
  case 19 : rb=4.05;  break;
  case 20 : rb=4.05;  break;
  case 21 : rb=4.05;  break;
  case 22 : rb=4.05;  break;
  case 23 : rb=4.05;  break;
  case 24 : rb=4.05;  break;
  case 25 : rb=4.05;  break;
  case 26 : rb=4.05;  break;
  case 27 : rb=4.05;  break;
  case 28 : rb=4.05;  break;
  case 29 : rb=4.05;  break;
  case 30 : rb=4.05;  break;
  }
syhk=Math.round((dked*10000/(dknx*12)+dked*10000*rb/(100*12))*100)/100;
obj.sfk2.value=syhk;
var yhke; //月还款额
var bxhj; //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*10000/dkys;

yhke=syhk;
sydkze=dked*10000-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*10000/dkys+sydkze*rb/1200;
sydkze-=yhkbj;
      bxhj+=yhke;
      
   
 }

obj.lx3.value= Math.round(bxhj*100)/100;
}












//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。
 

  */


}