function refinance(form){
var loanamount1=form.loanamount.value;
var tenure=form.tenor.value;
var normalinterest1=form.normalinterest.value;
if ((normalinterest1=="") || (normalinterest1=="0")){
	normalinterest1=9;
	}
var scbinterest1=4.25;
scbinterest1 = scbinterest1*1;

loanamount1 = loanamount1 * 1;
tenure = tenure * 12;
normalinterest1 = normalinterest1 * 1;

//conventional scheme monthly payment
var a = (normalinterest1/1200);
a = a * 1;

var b = 1 + a;
b = b * 1;

var c = (1/b);
c = c * 1;

var d = Math.pow( c, tenure);
d = d * 1;

var e = 1 - d;
e = e * 1;

var f = (1200/normalinterest1);
f = f * 1;

var g = e * f;
g = g * 1;

var normalinstall = (loanamount1/g);
normalinstall = normalinstall * 1;
var displaynormalinstall = Math.round(normalinstall);

form.normalrepay.value=displaynormalinstall;

//conventional interest calculation
var normaltotalpaid=normalinstall * tenure;
var totalinterestpaid=normaltotalpaid - loanamount1;

form.normalinterestpaid.value=Math.round(totalinterestpaid);

//scbmb first year repayment
var h = (4.25/1200);
h = h * 1;

var i = 1 + h;
i = i * 1;

var j = (1/i);
j = j * 1;

var k = Math.pow( j, tenure);
k = k * 1;

var l = 1 - k;
l = l * 1;

var m = (1200/4.25);
m = m * 1;

var n = l * m;
n = n * 1;

var firstyearinstall = (loanamount1/n);
firstyearunstall = firstyearinstall * 1;
var disfirstyearinstall = Math.round(firstyearinstall);
// end scb first year repayment

//display monthly repayment, 1st year
form.firstmonthly.value=disfirstyearinstall;

//first year interest for scb
var therealtotal1=(loanamount1*4.25)/1200;

var no=loanamount1-(firstyearinstall-(loanamount1*(4.25/1200)));
var monthlyinterest;

for(x=0; x<11; x++){
monthlyinterest=(no*4.25)/1200;
therealtotal1=therealtotal1+monthlyinterest;
no=no-firstyearinstall+monthlyinterest;
}
// end first year scb interest 

//first year interest for normal scheme
var therealtotal2=(loanamount1*normalinterest1)/1200;

var no2=loanamount1-(normalinstall-(loanamount1*(normalinterest1/1200)));
var monthlyinterest2;

for(x=0; x<11; x++){
	monthlyinterest2=(no2*normalinterest1)/1200;
	therealtotal2=therealtotal2+monthlyinterest2;
	no2=no2-normalinstall+monthlyinterest2;
}
// end of first year normal interest

//scb second year repayment
var a1 = no;
var secondtenure =form.tenor.value;
secondtenure = secondtenure-1;
secondtenure = secondtenure*12;

var h1 = (6.8/1200);
h1 = h1 * 1;

var i1 = 1 + h1;
i1 = i1 * 1;

var j1 = (1/i1);
j1 = j1 * 1;

var k1 = Math.pow( j1, secondtenure);
k1 = k1 * 1;

var l1 = 1 - k1;
l1 = l1 * 1;

var m1 = (1200/6.8);
m1 = m1 * 1;

var n1 = l1 * m1;
n1 = n1 * 1;

var secondyearinstall = (a1/n1);
secondyearinstall = secondyearinstall * 1;
var dissecondyearinstall = Math.round(secondyearinstall);
//end scb second year repayment

//display second year repayment
form.secondmonthly.value=dissecondyearinstall;
//end

//second year interest for scb
var therealtotal3=(a1*6.8)/1200;

var no3=a1-(secondyearinstall-(a1*(6.8/1200)));
var monthlyinterest3;

for(x=0; x<11; x++){
monthlyinterest3=(no3*6.8)/1200;
therealtotal3=therealtotal3+monthlyinterest3;
no3=no3-secondyearinstall+monthlyinterest3;
}
// end second year scb interest 

//second year interest for normal scheme
var therealtotal4=(no2*normalinterest1)/1200;

var no4=no2-(normalinstall-(no2*(normalinterest1/1200)));
var monthlyinterest4;

for(x=0; x<11; x++){
	monthlyinterest4=(no4*normalinterest1)/1200;
	therealtotal4=therealtotal4+monthlyinterest4;
	no4=no4-normalinstall+monthlyinterest4;
}
// end of second year normal interest


//scb third year repayment
var a2 = no3;
var thirdtenure =form.tenor.value;
thirdtenure = thirdtenure-2;
thirdtenure = thirdtenure*12;

var h2 = (7.4/1200);
h2 = h2 * 1;

var i2 = 1 + h2;
i2 = i2 * 1;

var j2 = (1/i2);
j2 = j2 * 1;

var k2 = Math.pow( j2, thirdtenure);
k2 = k2 * 1;

var l2 = 1 - k2;
l2 = l2 * 1;

var m2 = (1200/7.4);
m2 = m2 * 1;

var n2 = l2 * m2;
n2 = n2 * 1;

var thirdyearinstall = (a2/n2);
thirdyearinstall = thirdyearinstall * 1;
var disthirdyearinstall = Math.round(thirdyearinstall);
//end scb third year repayment

//display third year repayment
form.thirdmonthly.value=disthirdyearinstall;
//end

//third year interest for scb
var therealtotal5=(a2*7.4)/1200;

var no5=a2-(thirdyearinstall-(a2*(7.4/1200)));
var monthlyinterest5;
var azran=thirdtenure;

for(x=0; x<11; x++){
	monthlyinterest5=(no5*7.4)/1200;
	therealtotal5=therealtotal5+monthlyinterest5;
	no5=no5-thirdyearinstall+monthlyinterest5;
}
// end third year scb interest 

//third year interest for normal scheme
var therealtotal6=(no4*normalinterest1)/1200;

var no6=no4-(normalinstall-(no4*(normalinterest1/1200)));
var monthlyinterest6;

for(x=0; x<11; x++){
	monthlyinterest6=(no6*normalinterest1)/1200;
	therealtotal6=therealtotal6+monthlyinterest6;
	no6=no6-normalinstall+monthlyinterest6;
}
// end of third year normal interest

//scb thereafter repayment
var a3 = no5;
var thereaftertenure =form.tenor.value;
thereaftertenure = thereaftertenure-3;
thereaftertenure = thereaftertenure*12;

var h3 = (7.4/1200);
h3 = h3 * 1;

var i3 = 1 + h3;
i3 = i3 * 1;

var j3 = (1/i3);
j3 = j3 * 1;

var k3 = Math.pow( j3, thereaftertenure);
k3 = k3 * 1;

var l3 = 1 - k3;
l3 = l3 * 1;

var m3 = (1200/7.4);
m3 = m3 * 1;

var n3 = l3 * m3;
n3 = n3 * 1;

var thereafterinstall = (a3/n3);
thereafterinstall = thereafterinstall * 1;
var disthereafterinstall = Math.round(thereafterinstall);
//end scb thereafter repayment

//display thereafter repayment
form.thereaftermonthly.value=disthereafterinstall;
//end

//there after interest for scb
var therealtotal7=(a3*7.4)/1200;

var no7=a3-(thereafterinstall-(a3*(7.4/1200)));
var monthlyinterest7;
var azran=thereaftertenure;

for(x=0; x<azran; x++){
	monthlyinterest7=(no7*7.4)/1200;
	therealtotal7=therealtotal7+monthlyinterest7;
	no7=no7-thereafterinstall+monthlyinterest7;
}
// end there after scb interest 

//there after interest for normal scheme
var therealtotal8=(no6*normalinterest1)/1200;

var no8=no6-(normalinstall-(no6*(normalinterest1/1200)));
var monthlyinterest8;

for(x=0; x<azran; x++){
	monthlyinterest8=(no8*normalinterest1)/1200;
	therealtotal8=therealtotal8+monthlyinterest8;
	no8=no8-normalinstall+monthlyinterest8;
}
// end of there after  normal interest

//display first year saving
var firstyearsaving = therealtotal2-therealtotal1;
firstyearsaving=Math.round(firstyearsaving);
//end

//display second year saving
var secondyearsaving = therealtotal4-therealtotal3;
secondyearsaving=Math.round(secondyearsaving);
//end

//display third year saving
var thirdyearsaving = therealtotal6-therealtotal5;
thirdyearsaving=Math.round(thirdyearsaving);
//end

//display thereafter saving
var thereaftersaving = therealtotal8-therealtotal7;
thereaftersaving=Math.round(thereaftersaving);
//end

//total interest paid for scb
finalresult=(therealtotal1*1)+(therealtotal3*1)+(therealtotal5*1)+(therealtotal7*1);
definalresult=Math.round(finalresult);
//

//total savings
totalsavings=(totalinterestpaid*1)-(finalresult*1);
totalsavings=Math.round(totalsavings);
//

form.totalinterestpaid.value=definalresult;
form.rmfirstyear.value=firstyearsaving;
form.rmsecondyear.value=secondyearsaving;
form.rmthirdyear.value=thirdyearsaving;
form.rmthereafter.value=thereaftersaving;
form.rmtotalsaving.value=totalsavings;

//savings per month
var firstyearsavingmonth=firstyearsaving/12;
firstyearsavingmonth=Math.round(firstyearsavingmonth);

var secondyearsavingmonth=secondyearsaving/12;
secondyearsavingmonth=Math.round(secondyearsavingmonth);

var thirdyearsavingmonth=thirdyearsaving/12;
thirdyearsavingmonth=Math.round(thirdyearsavingmonth);

var thereaftersavingmonth=thereaftersaving/azran;
thereaftersavingmonth=Math.round(thereaftersavingmonth);
//end of saving per month

form.pmfirstyear.value=firstyearsavingmonth;
form.pmsecondyear.value=secondyearsavingmonth;
form.pmthirdyear.value=thirdyearsavingmonth
form.pmthereafter.value=thereaftersavingmonth;

//end of my coding
}