\u062d\u0627\u0633\u0628\u0629 \u0627\u0644\u0642\u0631\u0648\u0636 \u0648\u0627\u0644\u0623\u0642\u0633\u0627\u0637 | \u062d\u0633\u0627\u0628 \u062f\u0642\u064a\u0642 \u0644\u0644\u0642\u0631\u0648\u0636 \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0648\u0627\u0644\u0639\u0642\u0627\u0631\u064a\u0629 2024<\/title>\n <meta name=\"description\" content=\"\u062d\u0627\u0633\u0628\u0629 \u0642\u0631\u0648\u0636 \u0645\u062c\u0627\u0646\u064a\u0629 \u0645\u062a\u0642\u062f\u0645\u0629 - \u0627\u062d\u0633\u0628 \u0623\u0642\u0633\u0627\u0637 \u0642\u0631\u0636\u0643\u060c \u0627\u0644\u0641\u0648\u0627\u0626\u062f\u060c \u0648\u062c\u062f\u0648\u0644 \u0627\u0644\u0633\u062f\u0627\u062f \u0628\u062f\u0642\u0629 \u0639\u0627\u0644\u064a\u0629. \u0646\u062a\u0627\u0626\u062c \u0641\u0648\u0631\u064a\u0629 \u0648\u0645\u0648\u062b\u0648\u0642\u0629 \u0644\u0644\u0642\u0631\u0648\u0636 \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0648\u0627\u0644\u0639\u0642\u0627\u0631\u064a\u0629.\">\n <meta name=\"keywords\" content=\"\u062d\u0627\u0633\u0628\u0629 \u0642\u0631\u0648\u0636, \u062d\u0633\u0627\u0628 \u0627\u0644\u0642\u0631\u0648\u0636, \u0623\u0642\u0633\u0627\u0637 \u0627\u0644\u0642\u0631\u0636, \u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0642\u0631\u0636, \u062c\u062f\u0648\u0644 \u0627\u0644\u0633\u062f\u0627\u062f, \u0642\u0631\u0636 \u0634\u062e\u0635\u064a, \u0642\u0631\u0636 \u0639\u0642\u0627\u0631\u064a, \u0642\u0631\u0636 \u0633\u064a\u0627\u0631\u0629\">\n <meta name=\"author\" content=\"\u0627\u0644\u062d\u0627\u0633\u0628\u0629 \u0627\u0644\u0641\u0648\u0631\u064a\u0629\">\n <meta name=\"robots\" content=\"index, follow\">\n \n \n <script type=\"application\/ld+json\">\n {\n \"@context\": \"https:\/\/schema.org\",\n \"@type\": \"WebApplication\",\n \"name\": \"\u062d\u0627\u0633\u0628\u0629 \u0627\u0644\u0642\u0631\u0648\u0636 \u0648\u0627\u0644\u0623\u0642\u0633\u0627\u0637\",\n \"description\": \"\u0623\u062f\u0627\u0629 \u0645\u062c\u0627\u0646\u064a\u0629 \u0645\u062a\u0642\u062f\u0645\u0629 \u0644\u062d\u0633\u0627\u0628 \u0623\u0642\u0633\u0627\u0637 \u0627\u0644\u0642\u0631\u0648\u0636 \u0648\u0627\u0644\u0641\u0648\u0627\u0626\u062f \u0648\u062c\u062f\u0627\u0648\u0644 \u0627\u0644\u0633\u062f\u0627\u062f\",\n \"applicationCategory\": \"FinanceApplication\",\n \"operatingSystem\": \"Any\",\n \"offers\": {\n \"@type\": \"Offer\",\n \"price\": \"0\",\n \"priceCurrency\": \"USD\"\n },\n \"featureList\": \"\u062d\u0633\u0627\u0628 \u0627\u0644\u0642\u0631\u0648\u0636 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 \u0648\u0627\u0644\u0645\u062a\u0646\u0627\u0642\u0635\u0629, \u062c\u062f\u0648\u0644 \u0627\u0644\u0633\u062f\u0627\u062f \u0627\u0644\u062a\u0641\u0635\u064a\u0644\u064a, \u0631\u0633\u0645 \u0628\u064a\u0627\u0646\u064a \u0644\u0644\u062f\u0641\u0639\u0627\u062a\"\n }\n <\/script>\n \n <style>\n \/* \ud83c\udfa8 \u0645\u062a\u063a\u064a\u0631\u0627\u062a \u0627\u0644\u0623\u0644\u0648\u0627\u0646 *\/\n :root {\n --primary: #2563eb;\n --primary-dark: #1d4ed8;\n --secondary: #10b981;\n --danger: #ef4444;\n --warning: #f59e0b;\n --light: #f8fafc;\n --dark: #1e293b;\n --gray: #64748b;\n --border: #e2e8f0;\n --shadow: 0 4px 6px -1px rgba(0, 0, 0, 0.1);\n --radius: 8px;\n }\n\n \/* \ud83d\udd27 \u0625\u0639\u0627\u062f\u0629 \u0627\u0644\u0636\u0628\u0637 \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 *\/\n * {\n margin: 0;\n padding: 0;\n box-sizing: border-box;\n }\n\n body {\n font-family: system-ui, -apple-system, sans-serif;\n line-height: 1.6;\n color: var(--dark);\n background: linear-gradient(135deg, #f0f4ff 0%, #e0e7ff 100%);\n min-height: 100vh;\n padding: 16px;\n }\n\n .container {\n max-width: 1200px;\n margin: 0 auto;\n }\n\n \/* \ud83c\udff7\ufe0f \u0627\u0644\u0647\u064a\u062f\u0631 *\/\n header {\n text-align: center;\n margin-bottom: 32px;\n padding: 24px;\n background: white;\n border-radius: var(--radius);\n box-shadow: var(--shadow);\n }\n\n h1 {\n color: var(--primary);\n font-size: 28px;\n margin-bottom: 8px;\n font-weight: 700;\n }\n\n .subtitle {\n color: var(--gray);\n font-size: 16px;\n }\n\n \/* \ud83c\udf10 \u062a\u0628\u062f\u064a\u0644 \u0627\u0644\u0644\u063a\u0629 *\/\n .lang-switch {\n position: absolute;\n top: 20px;\n left: 20px;\n }\n\n .lang-btn {\n background: var(--primary);\n color: white;\n border: none;\n padding: 8px 16px;\n border-radius: 20px;\n cursor: pointer;\n font-size: 14px;\n font-weight: 600;\n display: flex;\n align-items: center;\n gap: 6px;\n transition: background 0.3s;\n }\n\n .lang-btn:hover {\n background: var(--primary-dark);\n }\n\n \/* \ud83d\udcca \u0634\u0628\u0643\u0629 \u0627\u0644\u062d\u0627\u0633\u0628\u0629 *\/\n .calculator-grid {\n display: grid;\n grid-template-columns: 1fr;\n gap: 24px;\n }\n\n @media (min-width: 768px) {\n .calculator-grid {\n grid-template-columns: 1fr 1fr;\n }\n }\n\n \/* \ud83d\uddc3\ufe0f \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a *\/\n .card {\n background: white;\n border-radius: var(--radius);\n box-shadow: var(--shadow);\n padding: 24px;\n border: 1px solid var(--border);\n }\n\n .card h2 {\n color: var(--dark);\n font-size: 20px;\n margin-bottom: 20px;\n padding-bottom: 12px;\n border-bottom: 2px solid var(--light);\n display: flex;\n align-items: center;\n gap: 10px;\n }\n\n \/* \ud83d\udcdd \u062d\u0642\u0648\u0644 \u0627\u0644\u0625\u062f\u062e\u0627\u0644 *\/\n .input-group {\n margin-bottom: 20px;\n }\n\n .input-group label {\n display: block;\n margin-bottom: 8px;\n font-weight: 600;\n color: var(--dark);\n font-size: 14px;\n }\n\n input[type=\"number\"], select {\n width: 100%;\n padding: 12px 16px;\n border: 2px solid var(--border);\n border-radius: var(--radius);\n font-size: 16px;\n transition: border-color 0.3s;\n background: white;\n }\n\n input[type=\"number\"]:focus, select:focus {\n outline: none;\n border-color: var(--primary);\n box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.1);\n }\n\n \/* \ud83d\udd18 \u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u0631\u0627\u062f\u064a\u0648 *\/\n .radio-group {\n display: flex;\n gap: 20px;\n margin-top: 8px;\n }\n\n .radio-option {\n display: flex;\n align-items: center;\n gap: 8px;\n cursor: pointer;\n }\n\n .radio-option input {\n width: 18px;\n height: 18px;\n accent-color: var(--primary);\n }\n\n \/* \ud83d\udfe2 \u0632\u0631 \u0627\u0644\u062d\u0633\u0627\u0628 *\/\n .btn-calculate {\n background: var(--secondary);\n color: white;\n border: none;\n padding: 16px 32px;\n border-radius: var(--radius);\n font-size: 16px;\n font-weight: 600;\n cursor: pointer;\n width: 100%;\n margin-top: 16px;\n transition: background 0.3s;\n display: flex;\n align-items: center;\n justify-content: center;\n gap: 10px;\n }\n\n .btn-calculate:hover {\n background: #0da271;\n }\n\n \/* \ud83d\udcca \u0627\u0644\u0646\u062a\u0627\u0626\u062c *\/\n .results-summary {\n display: grid;\n grid-template-columns: repeat(2, 1fr);\n gap: 16px;\n margin-bottom: 24px;\n }\n\n .result-item {\n background: var(--light);\n padding: 16px;\n border-radius: var(--radius);\n text-align: center;\n border: 1px solid var(--border);\n }\n\n .result-value {\n font-size: 20px;\n font-weight: 700;\n color: var(--primary);\n margin: 8px 0;\n }\n\n .result-label {\n font-size: 13px;\n color: var(--gray);\n text-transform: uppercase;\n letter-spacing: 0.5px;\n }\n\n \/* \ud83d\udccb \u0627\u0644\u062a\u0628\u0648\u064a\u0628\u0627\u062a *\/\n .tabs {\n display: flex;\n margin-bottom: 20px;\n border-bottom: 2px solid var(--border);\n }\n\n .tab {\n padding: 12px 20px;\n cursor: pointer;\n font-weight: 500;\n color: var(--gray);\n border-bottom: 3px solid transparent;\n transition: all 0.3s;\n }\n\n .tab.active {\n color: var(--primary);\n border-bottom-color: var(--primary);\n }\n\n .tab-content {\n display: none;\n }\n\n .tab-content.active {\n display: block;\n }\n\n \/* \ud83d\udcca \u0627\u0644\u062c\u062f\u0627\u0648\u0644 *\/\n .table-container {\n overflow-x: auto;\n margin-top: 16px;\n border: 1px solid var(--border);\n border-radius: var(--radius);\n }\n\n table {\n width: 100%;\n border-collapse: collapse;\n min-width: 600px;\n }\n\n thead {\n background: var(--primary);\n }\n\n th {\n color: white;\n padding: 14px 12px;\n text-align: center;\n font-weight: 600;\n font-size: 14px;\n white-space: nowrap;\n }\n\n td {\n padding: 12px;\n border-bottom: 1px solid var(--border);\n text-align: center;\n font-size: 14px;\n }\n\n tbody tr:nth-child(even) {\n background-color: var(--light);\n }\n\n tbody tr:hover {\n background-color: #e0e7ff;\n }\n\n \/* \ud83d\udcc8 \u0627\u0644\u0631\u0633\u0648\u0645 \u0627\u0644\u0628\u064a\u0627\u0646\u064a\u0629 *\/\n .chart-container {\n height: 280px;\n margin-top: 20px;\n position: relative;\n }\n\n \/* \ud83d\udcc4 \u0627\u0644\u062d\u0627\u0644\u0629 \u0627\u0644\u0641\u0627\u0631\u063a\u0629 *\/\n .empty-state {\n text-align: center;\n padding: 48px 20px;\n color: var(--gray);\n }\n\n .empty-icon {\n font-size: 48px;\n margin-bottom: 16px;\n color: #cbd5e1;\n }\n\n \/* \ud83d\udcf1 \u062a\u062d\u0633\u064a\u0646\u0627\u062a \u0644\u0644\u062c\u0648\u0627\u0644 *\/\n @media (max-width: 480px) {\n body {\n padding: 12px;\n }\n \n .card {\n padding: 20px;\n }\n \n h1 {\n font-size: 24px;\n }\n \n .results-summary {\n grid-template-columns: 1fr;\n gap: 12px;\n }\n \n .result-value {\n font-size: 18px;\n }\n \n .btn-calculate {\n padding: 14px 24px;\n }\n }\n\n \/* \u26a0\ufe0f \u0631\u0633\u0627\u0626\u0644 \u0627\u0644\u062a\u062d\u0630\u064a\u0631 *\/\n .alert {\n padding: 12px 16px;\n border-radius: var(--radius);\n margin-bottom: 16px;\n font-size: 14px;\n display: none;\n }\n\n .alert-error {\n background-color: #fee2e2;\n color: #b91c1c;\n border: 1px solid #fca5a5;\n }\n\n \/* \ud83d\udcc4 \u0641\u0648\u062a\u0631 \u0627\u0644\u0635\u0641\u062d\u0629 *\/\n footer {\n text-align: center;\n margin-top: 32px;\n padding: 20px;\n color: var(--gray);\n font-size: 14px;\n }\n\n \/* \ud83d\udcca \u062a\u062d\u0633\u064a\u0646\u0627\u062a \u0627\u0644\u0623\u062f\u0627\u0621 *\/\n .visually-hidden {\n position: absolute;\n width: 1px;\n height: 1px;\n padding: 0;\n margin: -1px;\n overflow: hidden;\n clip: rect(0, 0, 0, 0);\n border: 0;\n }\n <\/style>\n<\/head>\n<body>\n <div class=\"container\">\n \n <div class=\"lang-switch\">\n <button class=\"lang-btn\" id=\"langToggle\">\n <span id=\"langText\">English<\/span>\n <\/button>\n <\/div>\n\n \n <header>\n <h1 id=\"mainTitle\">\u062d\u0627\u0633\u0628\u0629 \u0627\u0644\u0642\u0631\u0648\u0636 \u0648\u0627\u0644\u0623\u0642\u0633\u0627\u0637<\/h1>\n <p class=\"subtitle\" id=\"subTitle\">\u0627\u062d\u0633\u0628 \u0623\u0642\u0633\u0627\u0637 \u0642\u0631\u0636\u0643 \u0628\u062f\u0642\u0629 \u0639\u0627\u0644\u064a\u0629 – \u0623\u062f\u0627\u0629 \u0645\u062c\u0627\u0646\u064a\u0629 \u0648\u0633\u0647\u0644\u0629 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645<\/p>\n <\/header>\n\n \n <div class=\"alert alert-error\" id=\"errorAlert\"><\/div>\n\n \n <div class=\"calculator-grid\">\n \n <div class=\"card\">\n <h2 id=\"inputTitle\">\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0642\u0631\u0636<\/h2>\n \n <div class=\"input-group\">\n <label for=\"loanAmount\" id=\"loanAmountLabel\">\u0645\u0628\u0644\u063a \u0627\u0644\u0642\u0631\u0636<\/label>\n <input type=\"number\" id=\"loanAmount\" placeholder=\"\u0623\u062f\u062e\u0644 \u0645\u0628\u0644\u063a \u0627\u0644\u0642\u0631\u0636\" min=\"1000\" step=\"1000\">\n <\/div>\n\n <div class=\"input-group\">\n <label for=\"interestRate\" id=\"interestRateLabel\">\u0645\u0639\u062f\u0644 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0633\u0646\u0648\u064a (%)<\/label>\n <input type=\"number\" id=\"interestRate\" placeholder=\"\u0623\u062f\u062e\u0644 \u0645\u0639\u062f\u0644 \u0627\u0644\u0641\u0627\u0626\u062f\u0629\" step=\"0.1\" min=\"0\" max=\"50\">\n <\/div>\n\n <div class=\"input-group\">\n <label for=\"loanTerm\" id=\"loanTermLabel\">\u0645\u062f\u0629 \u0627\u0644\u0633\u062f\u0627\u062f<\/label>\n <div style=\"display: flex; gap: 12px;\">\n <input type=\"number\" id=\"loanTerm\" placeholder=\"\u0627\u0644\u0645\u062f\u0629\" min=\"1\" max=\"50\" style=\"flex: 1;\">\n <select id=\"termType\" style=\"width: 120px;\">\n <option value=\"years\" id=\"yearsOption\">\u0633\u0646\u0648\u0627\u062a<\/option>\n <option value=\"months\" id=\"monthsOption\">\u0623\u0634\u0647\u0631<\/option>\n <\/select>\n <\/div>\n <\/div>\n\n <div class=\"input-group\">\n <label id=\"loanTypeLabel\">\u0646\u0648\u0639 \u0627\u0644\u0642\u0633\u0637<\/label>\n <div class=\"radio-group\">\n <label class=\"radio-option\">\n <input type=\"radio\" name=\"loanType\" value=\"fixed\" checked>\n <span id=\"fixedOption\">\u062b\u0627\u0628\u062a<\/span>\n <\/label>\n <label class=\"radio-option\">\n <input type=\"radio\" name=\"loanType\" value=\"decreasing\">\n <span id=\"decreasingOption\">\u0645\u062a\u0646\u0627\u0642\u0635<\/span>\n <\/label>\n <\/div>\n <\/div>\n\n <button class=\"btn-calculate\" id=\"calculateBtn\">\n <span id=\"calculateText\">\u0627\u062d\u0633\u0628 \u0627\u0644\u0642\u0631\u0636<\/span>\n <\/button>\n <\/div>\n\n \n <div class=\"card\">\n <h2 id=\"resultsTitle\">\u0646\u062a\u0627\u0626\u062c \u0627\u0644\u062d\u0633\u0627\u0628<\/h2>\n\n <div class=\"tabs\">\n <div class=\"tab active\" data-tab=\"summary\"><span id=\"summaryTab\">\u0645\u0644\u062e\u0635<\/span><\/div>\n <div class=\"tab\" data-tab=\"table\"><span id=\"tableTab\">\u062c\u062f\u0648\u0644 \u0627\u0644\u0633\u062f\u0627\u062f<\/span><\/div>\n <div class=\"tab\" data-tab=\"chart\"><span id=\"chartTab\">\u0627\u0644\u0631\u0633\u0645 \u0627\u0644\u0628\u064a\u0627\u0646\u064a<\/span><\/div>\n <\/div>\n\n \n <div class=\"tab-content active\" id=\"summaryTabContent\">\n <div class=\"empty-state\" id=\"emptySummary\">\n <div class=\"empty-icon\">\ud83d\udcca<\/div>\n <h3 id=\"emptyStateTitle\">\u0623\u062f\u062e\u0644 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0642\u0631\u0636<\/h3>\n <p id=\"emptyStateText\">\u0633\u064a\u0638\u0647\u0631 \u0647\u0646\u0627 \u0645\u0644\u062e\u0635 \u0643\u0627\u0645\u0644 \u0639\u0646 \u0627\u0644\u0642\u0631\u0636 \u0628\u0639\u062f \u0625\u062f\u062e\u0627\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a<\/p>\n <\/div>\n\n <div class=\"results-summary\" id=\"resultsSummary\" style=\"display: none;\">\n <div class=\"result-item\">\n <div class=\"result-label\" id=\"monthlyPaymentLabel\">\u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0634\u0647\u0631\u064a<\/div>\n <div class=\"result-value\" id=\"monthlyPayment\">0<\/div>\n <\/div>\n <div class=\"result-item\">\n <div class=\"result-label\" id=\"totalPaymentLabel\">\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0628\u0644\u063a<\/div>\n <div class=\"result-value\" id=\"totalPayment\">0<\/div>\n <\/div>\n <div class=\"result-item\">\n <div class=\"result-label\" id=\"totalInterestLabel\">\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0641\u0627\u0626\u062f\u0629<\/div>\n <div class=\"result-value\" id=\"totalInterest\">0<\/div>\n <\/div>\n <div class=\"result-item\">\n <div class=\"result-label\" id=\"interestRatioLabel\">\u0646\u0633\u0628\u0629 \u0627\u0644\u0641\u0627\u0626\u062f\u0629<\/div>\n <div class=\"result-value\" id=\"interestRatio\">0%<\/div>\n <\/div>\n <\/div>\n\n <div class=\"chart-container\">\n <canvas id=\"paymentChart\"><\/canvas>\n <\/div>\n <\/div>\n\n \n <div class=\"tab-content\" id=\"tableTabContent\">\n <div class=\"table-container\">\n <table>\n <thead>\n <tr>\n <th id=\"monthHeader\">\u0627\u0644\u0634\u0647\u0631<\/th>\n <th id=\"paymentHeader\">\u0627\u0644\u0642\u0633\u0637<\/th>\n <th id=\"principalHeader\">\u0627\u0644\u0623\u0635\u0644<\/th>\n <th id=\"interestHeader\">\u0627\u0644\u0641\u0627\u0626\u062f\u0629<\/th>\n <th id=\"balanceHeader\">\u0627\u0644\u0631\u0635\u064a\u062f<\/th>\n <\/tr>\n <\/thead>\n <tbody id=\"amortizationBody\">\n \n <\/tbody>\n <\/table>\n <\/div>\n <\/div>\n\n \n <div class=\"tab-content\" id=\"chartTabContent\">\n <div class=\"chart-container\">\n <canvas id=\"amortizationChart\"><\/canvas>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n\n \n <footer>\n <p id=\"footerText\">\u00a9 2024 \u062d\u0627\u0633\u0628\u0629 \u0627\u0644\u0642\u0631\u0648\u0636 – \u0623\u062f\u0627\u0629 \u0645\u062c\u0627\u0646\u064a\u0629 \u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u0642\u0631\u0648\u0636 \u0628\u062f\u0642\u0629 \u0639\u0627\u0644\u064a\u0629<\/p>\n <\/footer>\n <\/div>\n\n \n <script src=\"https:\/\/cdn.jsdelivr.net\/npm\/chart.js@3.9.1\/dist\/chart.min.js\"><\/script>\n <script>\n \/\/ \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u062a\u0631\u062c\u0645\u0629\n const translations = {\n ar: {\n \/\/ \u0627\u0644\u0639\u0646\u0627\u0648\u064a\u0646\n mainTitle: \"\u062d\u0627\u0633\u0628\u0629 \u0627\u0644\u0642\u0631\u0648\u0636 \u0648\u0627\u0644\u0623\u0642\u0633\u0627\u0637\",\n subTitle: \"\u0627\u062d\u0633\u0628 \u0623\u0642\u0633\u0627\u0637 \u0642\u0631\u0636\u0643 \u0628\u062f\u0642\u0629 \u0639\u0627\u0644\u064a\u0629 - \u0623\u062f\u0627\u0629 \u0645\u062c\u0627\u0646\u064a\u0629 \u0648\u0633\u0647\u0644\u0629 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645\",\n \n \/\/ \u062d\u0642\u0648\u0644 \u0627\u0644\u0625\u062f\u062e\u0627\u0644\n inputTitle: \"\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0642\u0631\u0636\",\n loanAmountLabel: \"\u0645\u0628\u0644\u063a \u0627\u0644\u0642\u0631\u0636\",\n interestRateLabel: \"\u0645\u0639\u062f\u0644 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0633\u0646\u0648\u064a (%)\",\n loanTermLabel: \"\u0645\u062f\u0629 \u0627\u0644\u0633\u062f\u0627\u062f\",\n yearsOption: \"\u0633\u0646\u0648\u0627\u062a\",\n monthsOption: \"\u0623\u0634\u0647\u0631\",\n loanTypeLabel: \"\u0646\u0648\u0639 \u0627\u0644\u0642\u0633\u0637\",\n fixedOption: \"\u062b\u0627\u0628\u062a\",\n decreasingOption: \"\u0645\u062a\u0646\u0627\u0642\u0635\",\n calculateText: \"\u0627\u062d\u0633\u0628 \u0627\u0644\u0642\u0631\u0636\",\n \n \/\/ \u0627\u0644\u0646\u062a\u0627\u0626\u062c\n resultsTitle: \"\u0646\u062a\u0627\u0626\u062c \u0627\u0644\u062d\u0633\u0627\u0628\",\n summaryTab: \"\u0645\u0644\u062e\u0635\",\n tableTab: \"\u062c\u062f\u0648\u0644 \u0627\u0644\u0633\u062f\u0627\u062f\",\n chartTab: \"\u0627\u0644\u0631\u0633\u0645 \u0627\u0644\u0628\u064a\u0627\u0646\u064a\",\n monthlyPaymentLabel: \"\u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0634\u0647\u0631\u064a\",\n totalPaymentLabel: \"\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0628\u0644\u063a\",\n totalInterestLabel: \"\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0641\u0627\u0626\u062f\u0629\",\n interestRatioLabel: \"\u0646\u0633\u0628\u0629 \u0627\u0644\u0641\u0627\u0626\u062f\u0629\",\n \n \/\/ \u0627\u0644\u062c\u062f\u0648\u0644\n monthHeader: \"\u0627\u0644\u0634\u0647\u0631\",\n paymentHeader: \"\u0627\u0644\u0642\u0633\u0637\",\n principalHeader: \"\u0627\u0644\u0623\u0635\u0644\",\n interestHeader: \"\u0627\u0644\u0641\u0627\u0626\u062f\u0629\",\n balanceHeader: \"\u0627\u0644\u0631\u0635\u064a\u062f\",\n \n \/\/ \u0627\u0644\u062d\u0627\u0644\u0629 \u0627\u0644\u0641\u0627\u0631\u063a\u0629\n emptyStateTitle: \"\u0623\u062f\u062e\u0644 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0642\u0631\u0636\",\n emptyStateText: \"\u0633\u064a\u0638\u0647\u0631 \u0647\u0646\u0627 \u0645\u0644\u062e\u0635 \u0643\u0627\u0645\u0644 \u0639\u0646 \u0627\u0644\u0642\u0631\u0636 \u0628\u0639\u062f \u0625\u062f\u062e\u0627\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a\",\n \n \/\/ \u0627\u0644\u0623\u062e\u0637\u0627\u0621\n errorInvalidInput: \"\u064a\u0631\u062c\u0649 \u0625\u062f\u062e\u0627\u0644 \u0628\u064a\u0627\u0646\u0627\u062a \u0635\u062d\u064a\u062d\u0629\",\n errorInvalidAmount: \"\u0645\u0628\u0644\u063a \u0627\u0644\u0642\u0631\u0636 \u064a\u062c\u0628 \u0623\u0646 \u064a\u0643\u0648\u0646 1000 \u0639\u0644\u0649 \u0627\u0644\u0623\u0642\u0644\",\n errorInvalidInterest: \"\u0645\u0639\u062f\u0644 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u064a\u062c\u0628 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0628\u064a\u0646 0 \u0648 50\",\n errorInvalidTerm: \"\u0645\u062f\u0629 \u0627\u0644\u0633\u062f\u0627\u062f \u064a\u062c\u0628 \u0623\u0646 \u062a\u0643\u0648\u0646 \u0628\u064a\u0646 1 \u0648 50\",\n \n \/\/ \u0627\u0644\u0641\u0648\u062a\u0631\n footerText: \"\u00a9 2024 \u062d\u0627\u0633\u0628\u0629 \u0627\u0644\u0642\u0631\u0648\u0636 - \u0623\u062f\u0627\u0629 \u0645\u062c\u0627\u0646\u064a\u0629 \u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u0642\u0631\u0648\u0636 \u0628\u062f\u0642\u0629 \u0639\u0627\u0644\u064a\u0629\"\n },\n en: {\n mainTitle: \"Loan Calculator\",\n subTitle: \"Calculate your loan installments with high accuracy - Free and easy to use tool\",\n \n inputTitle: \"Loan Details\",\n loanAmountLabel: \"Loan Amount\",\n interestRateLabel: \"Annual Interest Rate (%)\",\n loanTermLabel: \"Loan Term\",\n yearsOption: \"Years\",\n monthsOption: \"Months\",\n loanTypeLabel: \"Installment Type\",\n fixedOption: \"Fixed\",\n decreasingOption: \"Decreasing\",\n calculateText: \"Calculate Loan\",\n \n resultsTitle: \"Calculation Results\",\n summaryTab: \"Summary\",\n tableTab: \"Payment Schedule\",\n chartTab: \"Chart\",\n monthlyPaymentLabel: \"Monthly Payment\",\n totalPaymentLabel: \"Total Amount\",\n totalInterestLabel: \"Total Interest\",\n interestRatioLabel: \"Interest Ratio\",\n \n monthHeader: \"Month\",\n paymentHeader: \"Payment\",\n principalHeader: \"Principal\",\n interestHeader: \"Interest\",\n balanceHeader: \"Balance\",\n \n emptyStateTitle: \"Enter Loan Details\",\n emptyStateText: \"A complete loan summary will appear here after entering data\",\n \n errorInvalidInput: \"Please enter valid data\",\n errorInvalidAmount: \"Loan amount must be at least 1000\",\n errorInvalidInterest: \"Interest rate must be between 0 and 50\",\n errorInvalidTerm: \"Loan term must be between 1 and 50\",\n \n footerText: \"\u00a9 2024 Loan Calculator - Free tool for accurate loan calculations\"\n }\n };\n\n \/\/ \u0627\u0644\u062d\u0627\u0644\u0629 \u0627\u0644\u062d\u0627\u0644\u064a\u0629\n let currentLang = 'ar';\n let paymentChart = null;\n let amortizationChart = null;\n\n \/\/ \ud83d\udd04 \u062a\u0628\u062f\u064a\u0644 \u0627\u0644\u0644\u063a\u0629\n function toggleLanguage() {\n currentLang = currentLang === 'ar' ? 'en' : 'ar';\n document.documentElement.lang = currentLang;\n document.documentElement.dir = currentLang === 'ar' ? 'rtl' : 'ltr';\n updateLanguage();\n }\n\n \/\/ \u062a\u062d\u062f\u064a\u062b \u0627\u0644\u0646\u0635\u0648\u0635\n function updateLanguage() {\n const lang = translations[currentLang];\n document.getElementById('langText').textContent = currentLang === 'ar' ? 'English' : '\u0627\u0644\u0639\u0631\u0628\u064a\u0629';\n \n \/\/ \u062a\u062d\u062f\u064a\u062b \u062c\u0645\u064a\u0639 \u0627\u0644\u0646\u0635\u0648\u0635\n Object.keys(lang).forEach(key => {\n const element = document.getElementById(key);\n if (element) element.textContent = lang[key];\n });\n }\n\n \/\/ \u2705 \u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0627\u0644\u0645\u062f\u062e\u0644\u0627\u062a\n function validateInputs() {\n const loanAmount = parseFloat(document.getElementById('loanAmount').value);\n const interestRate = parseFloat(document.getElementById('interestRate').value);\n const loanTerm = parseFloat(document.getElementById('loanTerm').value);\n const errorAlert = document.getElementById('errorAlert');\n \n \/\/ \u0625\u062e\u0641\u0627\u0621 \u0631\u0633\u0627\u0644\u0629 \u0627\u0644\u062e\u0637\u0623\n errorAlert.style.display = 'none';\n \n \/\/ \u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0645\u0628\u0644\u063a \u0627\u0644\u0642\u0631\u0636\n if (!loanAmount || loanAmount < 1000) {\n showError('errorInvalidAmount');\n return false;\n }\n \n \/\/ \u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0645\u0639\u062f\u0644 \u0627\u0644\u0641\u0627\u0626\u062f\u0629\n if (isNaN(interestRate) || interestRate < 0 || interestRate > 50) {\n showError('errorInvalidInterest');\n return false;\n }\n \n \/\/ \u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0645\u062f\u0629 \u0627\u0644\u0633\u062f\u0627\u062f\n if (!loanTerm || loanTerm < 1 || loanTerm > 50) {\n showError('errorInvalidTerm');\n return false;\n }\n \n return true;\n }\n\n \/\/ \u274c \u0639\u0631\u0636 \u0631\u0633\u0627\u0644\u0629 \u062e\u0637\u0623\n function showError(errorKey) {\n const errorAlert = document.getElementById('errorAlert');\n const lang = translations[currentLang];\n errorAlert.textContent = lang[errorKey];\n errorAlert.style.display = 'block';\n }\n\n \/\/ \ud83e\uddee \u062d\u0633\u0627\u0628 \u0627\u0644\u0642\u0631\u0636 \u0628\u062f\u0642\u0629\n function calculateLoan() {\n if (!validateInputs()) return;\n \n const loanAmount = parseFloat(document.getElementById('loanAmount').value);\n const annualInterestRate = parseFloat(document.getElementById('interestRate').value);\n const loanTermValue = parseFloat(document.getElementById('loanTerm').value);\n const termType = document.getElementById('termType').value;\n const loanType = document.querySelector('input[name=\"loanType\"]:checked').value;\n\n \/\/ \u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u0645\u062f\u0629 \u0625\u0644\u0649 \u0623\u0634\u0647\u0631\n const totalMonths = termType === 'years' ? loanTermValue * 12 : loanTermValue;\n const monthlyRate = annualInterestRate \/ 100 \/ 12;\n\n let monthlyPayment, totalPayment, totalInterest;\n\n \/\/ \u062d\u0633\u0627\u0628 \u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u062b\u0627\u0628\u062a\n if (loanType === 'fixed') {\n if (monthlyRate === 0) {\n monthlyPayment = loanAmount \/ totalMonths;\n } else {\n const factor = Math.pow(1 + monthlyRate, totalMonths);\n monthlyPayment = (loanAmount * monthlyRate * factor) \/ (factor - 1);\n }\n totalPayment = monthlyPayment * totalMonths;\n totalInterest = totalPayment - loanAmount;\n } \n \/\/ \u062d\u0633\u0627\u0628 \u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0645\u062a\u0646\u0627\u0642\u0635\n else {\n let remainingBalance = loanAmount;\n totalInterest = 0;\n \n for (let i = 0; i < totalMonths; i++) {\n const monthlyInterest = remainingBalance * monthlyRate;\n totalInterest += monthlyInterest;\n remainingBalance -= (loanAmount \/ totalMonths);\n }\n \n totalPayment = loanAmount + totalInterest;\n monthlyPayment = totalPayment \/ totalMonths;\n }\n\n \/\/ \u062a\u062d\u062f\u064a\u062b \u0627\u0644\u0646\u062a\u0627\u0626\u062c\n updateResults(monthlyPayment, totalPayment, totalInterest, loanAmount);\n \n \/\/ \u0625\u0646\u0634\u0627\u0621 \u062c\u062f\u0648\u0644 \u0627\u0644\u0633\u062f\u0627\u062f\n createAmortizationTable(loanAmount, annualInterestRate, totalMonths, loanType);\n \n \/\/ \u062a\u062d\u062f\u064a\u062b \u0627\u0644\u0631\u0633\u0648\u0645 \u0627\u0644\u0628\u064a\u0627\u0646\u064a\u0629\n updateCharts(loanAmount, totalInterest);\n \n \/\/ \u0625\u0638\u0647\u0627\u0631 \u0627\u0644\u0646\u062a\u0627\u0626\u062c\n showResults();\n }\n\n \/\/ \ud83d\udcca \u062a\u062d\u062f\u064a\u062b \u0627\u0644\u0646\u062a\u0627\u0626\u062c\n function updateResults(monthlyPayment, totalPayment, totalInterest, loanAmount) {\n document.getElementById('monthlyPayment').textContent = formatCurrency(monthlyPayment);\n document.getElementById('totalPayment').textContent = formatCurrency(totalPayment);\n document.getElementById('totalInterest').textContent = formatCurrency(totalInterest);\n document.getElementById('interestRatio').textContent = ((totalInterest \/ loanAmount) * 100).toFixed(1) + '%';\n }\n\n \/\/ \ud83d\udcb0 \u062a\u0646\u0633\u064a\u0642 \u0627\u0644\u0639\u0645\u0644\u0629\n function formatCurrency(amount) {\n const formatter = new Intl.NumberFormat(currentLang === 'ar' ? 'ar-SA' : 'en-US', {\n style: 'currency',\n currency: currentLang === 'ar' ? 'SAR' : 'USD',\n minimumFractionDigits: 0,\n maximumFractionDigits: 0\n });\n return formatter.format(Math.round(amount));\n }\n\n \/\/ \ud83d\udccb \u0625\u0646\u0634\u0627\u0621 \u062c\u062f\u0648\u0644 \u0627\u0644\u0633\u062f\u0627\u062f\n function createAmortizationTable(loanAmount, annualRate, totalMonths, loanType) {\n const monthlyRate = annualRate \/ 100 \/ 12;\n const tableBody = document.getElementById('amortizationBody');\n tableBody.innerHTML = '';\n\n let balance = loanAmount;\n const principalPayment = loanAmount \/ totalMonths;\n\n for (let month = 1; month <= totalMonths; month++) {\n let interest, principal, payment;\n\n if (loanType === 'fixed') {\n const factor = Math.pow(1 + monthlyRate, totalMonths);\n payment = (loanAmount * monthlyRate * factor) \/ (factor - 1);\n interest = balance * monthlyRate;\n principal = payment - interest;\n } else {\n principal = principalPayment;\n interest = balance * monthlyRate;\n payment = principal + interest;\n }\n\n balance -= principal;\n if (balance < 0) balance = 0;\n\n const row = document.createElement('tr');\n row.innerHTML = `\n <td>${month}<\/td>\n <td>${formatCurrency(payment)}<\/td>\n <td>${formatCurrency(principal)}<\/td>\n <td>${formatCurrency(interest)}<\/td>\n <td>${formatCurrency(balance)}<\/td>\n `;\n tableBody.appendChild(row);\n\n \/\/ \u0639\u0631\u0636 \u0623\u0648\u0644 12 \u0634\u0647\u0631 \u0641\u0642\u0637 \u0644\u0644\u0633\u0631\u0639\u0629\n if (month === 12 && totalMonths > 12) break;\n }\n }\n\n \/\/ \ud83d\udcc8 \u062a\u062d\u062f\u064a\u062b \u0627\u0644\u0631\u0633\u0648\u0645 \u0627\u0644\u0628\u064a\u0627\u0646\u064a\u0629\n function updateCharts(loanAmount, totalInterest) {\n const ctx1 = document.getElementById('paymentChart').getContext('2d');\n const ctx2 = document.getElementById('amortizationChart').getContext('2d');\n\n \/\/ \u062a\u062f\u0645\u064a\u0631 \u0627\u0644\u0631\u0633\u0648\u0645 \u0627\u0644\u0633\u0627\u0628\u0642\u0629\n if (paymentChart) paymentChart.destroy();\n if (amortizationChart) amortizationChart.destroy();\n\n \/\/ \u0631\u0633\u0645 \u0628\u064a\u0627\u0646\u064a \u0644\u0644\u062f\u0641\u0639\u0627\u062a\n paymentChart = new Chart(ctx1, {\n type: 'doughnut',\n data: {\n labels: currentLang === 'ar' ? ['\u0623\u0635\u0644 \u0627\u0644\u0642\u0631\u0636', '\u0627\u0644\u0641\u0627\u0626\u062f\u0629'] : ['Principal', 'Interest'],\n datasets: [{\n data: [loanAmount, totalInterest],\n backgroundColor: ['#2563eb', '#10b981'],\n borderWidth: 1\n }]\n },\n options: {\n responsive: true,\n maintainAspectRatio: false,\n plugins: {\n legend: {\n position: 'bottom'\n }\n }\n }\n });\n\n \/\/ \u0631\u0633\u0645 \u0628\u064a\u0627\u0646\u064a \u0644\u0644\u0633\u062f\u0627\u062f\n amortizationChart = new Chart(ctx2, {\n type: 'line',\n data: {\n labels: Array.from({length: 12}, (_, i) => i + 1),\n datasets: [{\n label: currentLang === 'ar' ? '\u0631\u0635\u064a\u062f \u0627\u0644\u0642\u0631\u0636' : 'Loan Balance',\n data: Array.from({length: 12}, (_, i) => {\n return Math.max(0, loanAmount - (loanAmount \/ 12 * i));\n }),\n borderColor: '#2563eb',\n backgroundColor: 'rgba(37, 99, 235, 0.1)',\n fill: true,\n tension: 0.4\n }]\n },\n options: {\n responsive: true,\n maintainAspectRatio: false,\n scales: {\n y: {\n beginAtZero: true,\n ticks: {\n callback: function(value) {\n return formatCurrency(value);\n }\n }\n }\n }\n }\n });\n }\n\n \/\/ \ud83d\udc41\ufe0f \u0625\u0638\u0647\u0627\u0631 \u0627\u0644\u0646\u062a\u0627\u0626\u062c\n function showResults() {\n document.getElementById('emptySummary').style.display = 'none';\n document.getElementById('resultsSummary').style.display = 'grid';\n }\n\n \/\/ \ud83d\udd04 \u062a\u0628\u062f\u064a\u0644 \u0627\u0644\u062a\u0628\u0648\u064a\u0628\u0627\u062a\n function initTabs() {\n document.querySelectorAll('.tab').forEach(tab => {\n tab.addEventListener('click', function() {\n \/\/ \u0625\u0632\u0627\u0644\u0629 \u0627\u0644\u0646\u0634\u0627\u0637 \u0645\u0646 \u062c\u0645\u064a\u0639 \u0627\u0644\u062a\u0628\u0648\u064a\u0628\u0627\u062a\n document.querySelectorAll('.tab').forEach(t => t.classList.remove('active'));\n document.querySelectorAll('.tab-content').forEach(c => c.classList.remove('active'));\n \n \/\/ \u062a\u0641\u0639\u064a\u0644 \u0627\u0644\u062a\u0628\u0648\u064a\u0628 \u0627\u0644\u0645\u062d\u062f\u062f\n this.classList.add('active');\n const tabId = this.dataset.tab;\n document.getElementById(tabId + 'TabContent').classList.add('active');\n });\n });\n }\n\n \/\/ \ud83d\ude80 \u062a\u0647\u064a\u0626\u0629 \u0627\u0644\u0635\u0641\u062d\u0629\n function init() {\n \/\/ \u0625\u0636\u0627\u0641\u0629 \u0627\u0644\u0623\u062d\u062f\u0627\u062b\n document.getElementById('langToggle').addEventListener('click', toggleLanguage);\n document.getElementById('calculateBtn').addEventListener('click', calculateLoan);\n \n \/\/ 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\u0648\u0627\u0644\u0623\u0642\u0633\u0627\u0637 \u0627\u062d\u0633\u0628 \u0623\u0642\u0633\u0627\u0637 \u0642\u0631\u0636\u0643 \u0628\u062f\u0642\u0629 \u0639\u0627\u0644\u064a\u0629 – \u0623\u062f\u0627\u0629 \u0645\u062c\u0627\u0646\u064a\u0629 \u0648\u0633\u0647\u0644\u0629 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0642\u0631\u0636 \u0645\u0628\u0644\u063a \u0627\u0644\u0642\u0631\u0636 \u0645\u0639\u062f\u0644 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0633\u0646\u0648\u064a (%) \u0645\u062f\u0629 \u0627\u0644\u0633\u062f\u0627\u062f \u0633\u0646\u0648\u0627\u062a\u0623\u0634\u0647\u0631 \u0646\u0648\u0639 \u0627\u0644\u0642\u0633\u0637 \u062b\u0627\u0628\u062a \u0645\u062a\u0646\u0627\u0642\u0635 \u0627\u062d\u0633\u0628 \u0627\u0644\u0642\u0631\u0636 \u0646\u062a\u0627\u0626\u062c \u0627\u0644\u062d\u0633\u0627\u0628 \u0645\u0644\u062e\u0635 \u062c\u062f\u0648\u0644 \u0627\u0644\u0633\u062f\u0627\u062f \u0627\u0644\u0631\u0633\u0645 \u0627\u0644\u0628\u064a\u0627\u0646\u064a \ud83d\udcca \u0623\u062f\u062e\u0644 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0642\u0631\u0636 \u0633\u064a\u0638\u0647\u0631 \u0647\u0646\u0627 \u0645\u0644\u062e\u0635 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\u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 *\/\n * {\n margin: 0;\n padding: 0;\n box-sizing: border-box;\n }\n\n body {\n font-family: system-ui, -apple-system, sans-serif;\n line-height: 1.6;\n color: var(--dark);\n background: linear-gradient(135deg, #f0f4ff 0%, #e0e7ff 100%);\n min-height: 100vh;\n padding: 16px;\n }\n\n .container {\n max-width: 1200px;\n margin: 0 auto;\n }\n\n \/* \ud83c\udff7\ufe0f \u0627\u0644\u0647\u064a\u062f\u0631 *\/\n header {\n text-align: center;\n margin-bottom: 32px;\n padding: 24px;\n background: white;\n border-radius: var(--radius);\n box-shadow: var(--shadow);\n }\n\n h1 {\n color: var(--primary);\n font-size: 28px;\n margin-bottom: 8px;\n font-weight: 700;\n }\n\n .subtitle {\n color: var(--gray);\n font-size: 16px;\n }\n\n \/* \ud83c\udf10 \u062a\u0628\u062f\u064a\u0644 \u0627\u0644\u0644\u063a\u0629 *\/\n .lang-switch {\n position: absolute;\n top: 20px;\n left: 20px;\n }\n\n .lang-btn {\n background: var(--primary);\n color: white;\n border: none;\n padding: 8px 16px;\n border-radius: 20px;\n cursor: pointer;\n font-size: 14px;\n font-weight: 600;\n display: flex;\n align-items: center;\n gap: 6px;\n transition: background 0.3s;\n }\n\n .lang-btn:hover {\n background: var(--primary-dark);\n }\n\n \/* \ud83d\udcca \u0634\u0628\u0643\u0629 \u0627\u0644\u062d\u0627\u0633\u0628\u0629 *\/\n .calculator-grid {\n display: grid;\n grid-template-columns: 1fr;\n gap: 24px;\n }\n\n @media (min-width: 768px) {\n .calculator-grid {\n grid-template-columns: 1fr 1fr;\n }\n }\n\n \/* \ud83d\uddc3\ufe0f \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a *\/\n .card {\n background: white;\n border-radius: var(--radius);\n box-shadow: var(--shadow);\n padding: 24px;\n border: 1px solid var(--border);\n }\n\n .card h2 {\n color: var(--dark);\n font-size: 20px;\n margin-bottom: 20px;\n padding-bottom: 12px;\n border-bottom: 2px solid var(--light);\n display: flex;\n align-items: center;\n gap: 10px;\n }\n\n \/* \ud83d\udcdd \u062d\u0642\u0648\u0644 \u0627\u0644\u0625\u062f\u062e\u0627\u0644 *\/\n .input-group {\n margin-bottom: 20px;\n }\n\n .input-group label {\n display: block;\n margin-bottom: 8px;\n font-weight: 600;\n color: var(--dark);\n font-size: 14px;\n }\n\n input[type=\"number\"], select {\n width: 100%;\n padding: 12px 16px;\n border: 2px solid var(--border);\n border-radius: var(--radius);\n font-size: 16px;\n transition: border-color 0.3s;\n background: white;\n }\n\n input[type=\"number\"]:focus, select:focus {\n outline: none;\n border-color: var(--primary);\n box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.1);\n }\n\n \/* \ud83d\udd18 \u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u0631\u0627\u062f\u064a\u0648 *\/\n .radio-group {\n display: flex;\n gap: 20px;\n margin-top: 8px;\n }\n\n .radio-option {\n display: flex;\n align-items: center;\n gap: 8px;\n cursor: pointer;\n }\n\n .radio-option input {\n width: 18px;\n height: 18px;\n accent-color: var(--primary);\n }\n\n \/* \ud83d\udfe2 \u0632\u0631 \u0627\u0644\u062d\u0633\u0627\u0628 *\/\n .btn-calculate {\n background: var(--secondary);\n color: white;\n border: none;\n padding: 16px 32px;\n border-radius: var(--radius);\n font-size: 16px;\n font-weight: 600;\n cursor: pointer;\n width: 100%;\n margin-top: 16px;\n transition: background 0.3s;\n display: flex;\n align-items: center;\n justify-content: center;\n gap: 10px;\n }\n\n .btn-calculate:hover {\n background: #0da271;\n }\n\n \/* \ud83d\udcca \u0627\u0644\u0646\u062a\u0627\u0626\u062c *\/\n .results-summary {\n display: grid;\n grid-template-columns: repeat(2, 1fr);\n gap: 16px;\n margin-bottom: 24px;\n }\n\n .result-item {\n background: var(--light);\n padding: 16px;\n border-radius: var(--radius);\n text-align: center;\n border: 1px solid var(--border);\n }\n\n .result-value {\n font-size: 20px;\n font-weight: 700;\n color: var(--primary);\n margin: 8px 0;\n }\n\n .result-label {\n font-size: 13px;\n color: var(--gray);\n text-transform: uppercase;\n 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}\n\n td {\n padding: 12px;\n border-bottom: 1px solid var(--border);\n text-align: center;\n font-size: 14px;\n }\n\n tbody tr:nth-child(even) {\n background-color: var(--light);\n }\n\n tbody tr:hover {\n background-color: #e0e7ff;\n }\n\n \/* \ud83d\udcc8 \u0627\u0644\u0631\u0633\u0648\u0645 \u0627\u0644\u0628\u064a\u0627\u0646\u064a\u0629 *\/\n .chart-container {\n height: 280px;\n margin-top: 20px;\n position: relative;\n }\n\n \/* \ud83d\udcc4 \u0627\u0644\u062d\u0627\u0644\u0629 \u0627\u0644\u0641\u0627\u0631\u063a\u0629 *\/\n .empty-state {\n text-align: center;\n padding: 48px 20px;\n color: var(--gray);\n }\n\n .empty-icon {\n font-size: 48px;\n margin-bottom: 16px;\n color: #cbd5e1;\n }\n\n \/* \ud83d\udcf1 \u062a\u062d\u0633\u064a\u0646\u0627\u062a \u0644\u0644\u062c\u0648\u0627\u0644 *\/\n @media (max-width: 480px) {\n body {\n padding: 12px;\n }\n \n .card {\n padding: 20px;\n }\n \n h1 {\n font-size: 24px;\n }\n \n .results-summary {\n grid-template-columns: 1fr;\n gap: 12px;\n }\n \n .result-value {\n font-size: 18px;\n }\n \n .btn-calculate {\n padding: 14px 24px;\n }\n }\n\n \/* \u26a0\ufe0f \u0631\u0633\u0627\u0626\u0644 \u0627\u0644\u062a\u062d\u0630\u064a\u0631 *\/\n .alert {\n padding: 12px 16px;\n border-radius: var(--radius);\n margin-bottom: 16px;\n font-size: 14px;\n display: none;\n }\n\n .alert-error {\n background-color: #fee2e2;\n color: #b91c1c;\n border: 1px solid #fca5a5;\n }\n\n \/* \ud83d\udcc4 \u0641\u0648\u062a\u0631 \u0627\u0644\u0635\u0641\u062d\u0629 *\/\n footer {\n text-align: center;\n margin-top: 32px;\n padding: 20px;\n color: var(--gray);\n font-size: 14px;\n }\n\n \/* \ud83d\udcca \u062a\u062d\u0633\u064a\u0646\u0627\u062a \u0627\u0644\u0623\u062f\u0627\u0621 *\/\n .visually-hidden {\n position: absolute;\n width: 1px;\n height: 1px;\n padding: 0;\n margin: -1px;\n overflow: hidden;\n clip: rect(0, 0, 0, 0);\n border: 0;\n }\n <\/style>\n<\/head>\n<body>\n <div class=\"container\">\n \n <div class=\"lang-switch\">\n <button class=\"lang-btn\" id=\"langToggle\">\n <span id=\"langText\">English<\/span>\n <\/button>\n <\/div>\n\n \n <header>\n <h1 id=\"mainTitle\">\u062d\u0627\u0633\u0628\u0629 \u0627\u0644\u0642\u0631\u0648\u0636 \u0648\u0627\u0644\u0623\u0642\u0633\u0627\u0637<\/h1>\n <p class=\"subtitle\" id=\"subTitle\">\u0627\u062d\u0633\u0628 \u0623\u0642\u0633\u0627\u0637 \u0642\u0631\u0636\u0643 \u0628\u062f\u0642\u0629 \u0639\u0627\u0644\u064a\u0629 – \u0623\u062f\u0627\u0629 \u0645\u062c\u0627\u0646\u064a\u0629 \u0648\u0633\u0647\u0644\u0629 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645<\/p>\n <\/header>\n\n \n <div class=\"alert alert-error\" id=\"errorAlert\"><\/div>\n\n \n <div class=\"calculator-grid\">\n \n <div class=\"card\">\n <h2 id=\"inputTitle\">\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0642\u0631\u0636<\/h2>\n \n <div class=\"input-group\">\n <label for=\"loanAmount\" id=\"loanAmountLabel\">\u0645\u0628\u0644\u063a \u0627\u0644\u0642\u0631\u0636<\/label>\n <input type=\"number\" id=\"loanAmount\" placeholder=\"\u0623\u062f\u062e\u0644 \u0645\u0628\u0644\u063a \u0627\u0644\u0642\u0631\u0636\" min=\"1000\" step=\"1000\">\n <\/div>\n\n <div class=\"input-group\">\n <label for=\"interestRate\" id=\"interestRateLabel\">\u0645\u0639\u062f\u0644 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0633\u0646\u0648\u064a (%)<\/label>\n <input type=\"number\" id=\"interestRate\" placeholder=\"\u0623\u062f\u062e\u0644 \u0645\u0639\u062f\u0644 \u0627\u0644\u0641\u0627\u0626\u062f\u0629\" step=\"0.1\" min=\"0\" max=\"50\">\n <\/div>\n\n <div class=\"input-group\">\n <label for=\"loanTerm\" id=\"loanTermLabel\">\u0645\u062f\u0629 \u0627\u0644\u0633\u062f\u0627\u062f<\/label>\n <div style=\"display: flex; gap: 12px;\">\n <input type=\"number\" id=\"loanTerm\" placeholder=\"\u0627\u0644\u0645\u062f\u0629\" min=\"1\" max=\"50\" style=\"flex: 1;\">\n <select id=\"termType\" style=\"width: 120px;\">\n <option value=\"years\" id=\"yearsOption\">\u0633\u0646\u0648\u0627\u062a<\/option>\n <option value=\"months\" id=\"monthsOption\">\u0623\u0634\u0647\u0631<\/option>\n <\/select>\n <\/div>\n <\/div>\n\n <div class=\"input-group\">\n <label id=\"loanTypeLabel\">\u0646\u0648\u0639 \u0627\u0644\u0642\u0633\u0637<\/label>\n <div class=\"radio-group\">\n <label class=\"radio-option\">\n <input type=\"radio\" name=\"loanType\" value=\"fixed\" checked>\n <span id=\"fixedOption\">\u062b\u0627\u0628\u062a<\/span>\n <\/label>\n <label class=\"radio-option\">\n <input type=\"radio\" name=\"loanType\" value=\"decreasing\">\n <span id=\"decreasingOption\">\u0645\u062a\u0646\u0627\u0642\u0635<\/span>\n <\/label>\n <\/div>\n <\/div>\n\n <button class=\"btn-calculate\" id=\"calculateBtn\">\n <span id=\"calculateText\">\u0627\u062d\u0633\u0628 \u0627\u0644\u0642\u0631\u0636<\/span>\n <\/button>\n <\/div>\n\n \n <div class=\"card\">\n <h2 id=\"resultsTitle\">\u0646\u062a\u0627\u0626\u062c \u0627\u0644\u062d\u0633\u0627\u0628<\/h2>\n\n <div class=\"tabs\">\n <div class=\"tab active\" data-tab=\"summary\"><span id=\"summaryTab\">\u0645\u0644\u062e\u0635<\/span><\/div>\n <div class=\"tab\" data-tab=\"table\"><span id=\"tableTab\">\u062c\u062f\u0648\u0644 \u0627\u0644\u0633\u062f\u0627\u062f<\/span><\/div>\n <div class=\"tab\" data-tab=\"chart\"><span id=\"chartTab\">\u0627\u0644\u0631\u0633\u0645 \u0627\u0644\u0628\u064a\u0627\u0646\u064a<\/span><\/div>\n <\/div>\n\n \n <div class=\"tab-content active\" id=\"summaryTabContent\">\n <div class=\"empty-state\" id=\"emptySummary\">\n <div class=\"empty-icon\">\ud83d\udcca<\/div>\n <h3 id=\"emptyStateTitle\">\u0623\u062f\u062e\u0644 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0642\u0631\u0636<\/h3>\n <p id=\"emptyStateText\">\u0633\u064a\u0638\u0647\u0631 \u0647\u0646\u0627 \u0645\u0644\u062e\u0635 \u0643\u0627\u0645\u0644 \u0639\u0646 \u0627\u0644\u0642\u0631\u0636 \u0628\u0639\u062f \u0625\u062f\u062e\u0627\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a<\/p>\n <\/div>\n\n <div class=\"results-summary\" id=\"resultsSummary\" style=\"display: none;\">\n <div class=\"result-item\">\n <div class=\"result-label\" id=\"monthlyPaymentLabel\">\u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0634\u0647\u0631\u064a<\/div>\n <div class=\"result-value\" id=\"monthlyPayment\">0<\/div>\n <\/div>\n <div class=\"result-item\">\n <div class=\"result-label\" id=\"totalPaymentLabel\">\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0628\u0644\u063a<\/div>\n <div class=\"result-value\" id=\"totalPayment\">0<\/div>\n <\/div>\n <div class=\"result-item\">\n <div class=\"result-label\" id=\"totalInterestLabel\">\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0641\u0627\u0626\u062f\u0629<\/div>\n <div class=\"result-value\" id=\"totalInterest\">0<\/div>\n <\/div>\n <div class=\"result-item\">\n <div class=\"result-label\" id=\"interestRatioLabel\">\u0646\u0633\u0628\u0629 \u0627\u0644\u0641\u0627\u0626\u062f\u0629<\/div>\n <div class=\"result-value\" id=\"interestRatio\">0%<\/div>\n <\/div>\n <\/div>\n\n <div class=\"chart-container\">\n <canvas id=\"paymentChart\"><\/canvas>\n <\/div>\n <\/div>\n\n \n <div class=\"tab-content\" id=\"tableTabContent\">\n <div class=\"table-container\">\n <table>\n <thead>\n <tr>\n <th id=\"monthHeader\">\u0627\u0644\u0634\u0647\u0631<\/th>\n <th id=\"paymentHeader\">\u0627\u0644\u0642\u0633\u0637<\/th>\n <th id=\"principalHeader\">\u0627\u0644\u0623\u0635\u0644<\/th>\n <th id=\"interestHeader\">\u0627\u0644\u0641\u0627\u0626\u062f\u0629<\/th>\n <th id=\"balanceHeader\">\u0627\u0644\u0631\u0635\u064a\u062f<\/th>\n <\/tr>\n <\/thead>\n <tbody id=\"amortizationBody\">\n \n <\/tbody>\n <\/table>\n <\/div>\n <\/div>\n\n \n <div class=\"tab-content\" id=\"chartTabContent\">\n <div class=\"chart-container\">\n <canvas id=\"amortizationChart\"><\/canvas>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n\n \n <footer>\n <p id=\"footerText\">\u00a9 2024 \u062d\u0627\u0633\u0628\u0629 \u0627\u0644\u0642\u0631\u0648\u0636 – \u0623\u062f\u0627\u0629 \u0645\u062c\u0627\u0646\u064a\u0629 \u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u0642\u0631\u0648\u0636 \u0628\u062f\u0642\u0629 \u0639\u0627\u0644\u064a\u0629<\/p>\n <\/footer>\n <\/div>\n\n \n <script src=\"https:\/\/cdn.jsdelivr.net\/npm\/chart.js@3.9.1\/dist\/chart.min.js\"><\/script>\n <script>\n \/\/ \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u062a\u0631\u062c\u0645\u0629\n const translations = {\n ar: {\n \/\/ \u0627\u0644\u0639\u0646\u0627\u0648\u064a\u0646\n mainTitle: \"\u062d\u0627\u0633\u0628\u0629 \u0627\u0644\u0642\u0631\u0648\u0636 \u0648\u0627\u0644\u0623\u0642\u0633\u0627\u0637\",\n subTitle: \"\u0627\u062d\u0633\u0628 \u0623\u0642\u0633\u0627\u0637 \u0642\u0631\u0636\u0643 \u0628\u062f\u0642\u0629 \u0639\u0627\u0644\u064a\u0629 - \u0623\u062f\u0627\u0629 \u0645\u062c\u0627\u0646\u064a\u0629 \u0648\u0633\u0647\u0644\u0629 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645\",\n \n \/\/ \u062d\u0642\u0648\u0644 \u0627\u0644\u0625\u062f\u062e\u0627\u0644\n inputTitle: \"\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0642\u0631\u0636\",\n loanAmountLabel: \"\u0645\u0628\u0644\u063a \u0627\u0644\u0642\u0631\u0636\",\n interestRateLabel: \"\u0645\u0639\u062f\u0644 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0633\u0646\u0648\u064a (%)\",\n loanTermLabel: \"\u0645\u062f\u0629 \u0627\u0644\u0633\u062f\u0627\u062f\",\n yearsOption: \"\u0633\u0646\u0648\u0627\u062a\",\n monthsOption: \"\u0623\u0634\u0647\u0631\",\n loanTypeLabel: \"\u0646\u0648\u0639 \u0627\u0644\u0642\u0633\u0637\",\n fixedOption: \"\u062b\u0627\u0628\u062a\",\n decreasingOption: \"\u0645\u062a\u0646\u0627\u0642\u0635\",\n calculateText: \"\u0627\u062d\u0633\u0628 \u0627\u0644\u0642\u0631\u0636\",\n \n \/\/ \u0627\u0644\u0646\u062a\u0627\u0626\u062c\n resultsTitle: \"\u0646\u062a\u0627\u0626\u062c \u0627\u0644\u062d\u0633\u0627\u0628\",\n summaryTab: \"\u0645\u0644\u062e\u0635\",\n tableTab: \"\u062c\u062f\u0648\u0644 \u0627\u0644\u0633\u062f\u0627\u062f\",\n chartTab: \"\u0627\u0644\u0631\u0633\u0645 \u0627\u0644\u0628\u064a\u0627\u0646\u064a\",\n monthlyPaymentLabel: \"\u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0634\u0647\u0631\u064a\",\n totalPaymentLabel: \"\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0645\u0628\u0644\u063a\",\n totalInterestLabel: \"\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0641\u0627\u0626\u062f\u0629\",\n interestRatioLabel: \"\u0646\u0633\u0628\u0629 \u0627\u0644\u0641\u0627\u0626\u062f\u0629\",\n \n \/\/ \u0627\u0644\u062c\u062f\u0648\u0644\n monthHeader: \"\u0627\u0644\u0634\u0647\u0631\",\n paymentHeader: \"\u0627\u0644\u0642\u0633\u0637\",\n principalHeader: \"\u0627\u0644\u0623\u0635\u0644\",\n interestHeader: \"\u0627\u0644\u0641\u0627\u0626\u062f\u0629\",\n balanceHeader: \"\u0627\u0644\u0631\u0635\u064a\u062f\",\n \n \/\/ \u0627\u0644\u062d\u0627\u0644\u0629 \u0627\u0644\u0641\u0627\u0631\u063a\u0629\n emptyStateTitle: \"\u0623\u062f\u062e\u0644 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0642\u0631\u0636\",\n emptyStateText: \"\u0633\u064a\u0638\u0647\u0631 \u0647\u0646\u0627 \u0645\u0644\u062e\u0635 \u0643\u0627\u0645\u0644 \u0639\u0646 \u0627\u0644\u0642\u0631\u0636 \u0628\u0639\u062f \u0625\u062f\u062e\u0627\u0644 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a\",\n \n \/\/ \u0627\u0644\u0623\u062e\u0637\u0627\u0621\n errorInvalidInput: \"\u064a\u0631\u062c\u0649 \u0625\u062f\u062e\u0627\u0644 \u0628\u064a\u0627\u0646\u0627\u062a \u0635\u062d\u064a\u062d\u0629\",\n errorInvalidAmount: \"\u0645\u0628\u0644\u063a \u0627\u0644\u0642\u0631\u0636 \u064a\u062c\u0628 \u0623\u0646 \u064a\u0643\u0648\u0646 1000 \u0639\u0644\u0649 \u0627\u0644\u0623\u0642\u0644\",\n errorInvalidInterest: \"\u0645\u0639\u062f\u0644 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u064a\u062c\u0628 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0628\u064a\u0646 0 \u0648 50\",\n errorInvalidTerm: \"\u0645\u062f\u0629 \u0627\u0644\u0633\u062f\u0627\u062f \u064a\u062c\u0628 \u0623\u0646 \u062a\u0643\u0648\u0646 \u0628\u064a\u0646 1 \u0648 50\",\n \n \/\/ \u0627\u0644\u0641\u0648\u062a\u0631\n footerText: \"\u00a9 2024 \u062d\u0627\u0633\u0628\u0629 \u0627\u0644\u0642\u0631\u0648\u0636 - \u0623\u062f\u0627\u0629 \u0645\u062c\u0627\u0646\u064a\u0629 \u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u0642\u0631\u0648\u0636 \u0628\u062f\u0642\u0629 \u0639\u0627\u0644\u064a\u0629\"\n },\n en: {\n mainTitle: \"Loan Calculator\",\n subTitle: \"Calculate your loan installments with high accuracy - Free and easy to use tool\",\n \n inputTitle: \"Loan Details\",\n loanAmountLabel: \"Loan Amount\",\n interestRateLabel: \"Annual Interest Rate (%)\",\n loanTermLabel: \"Loan Term\",\n yearsOption: \"Years\",\n monthsOption: \"Months\",\n loanTypeLabel: \"Installment Type\",\n fixedOption: \"Fixed\",\n decreasingOption: \"Decreasing\",\n calculateText: \"Calculate Loan\",\n \n resultsTitle: \"Calculation Results\",\n summaryTab: \"Summary\",\n tableTab: \"Payment Schedule\",\n chartTab: \"Chart\",\n monthlyPaymentLabel: \"Monthly Payment\",\n totalPaymentLabel: \"Total Amount\",\n totalInterestLabel: \"Total Interest\",\n interestRatioLabel: \"Interest Ratio\",\n \n monthHeader: \"Month\",\n paymentHeader: \"Payment\",\n principalHeader: \"Principal\",\n interestHeader: \"Interest\",\n balanceHeader: \"Balance\",\n \n emptyStateTitle: \"Enter Loan Details\",\n emptyStateText: \"A complete loan summary will appear here after entering data\",\n \n errorInvalidInput: \"Please enter valid data\",\n errorInvalidAmount: \"Loan amount must be at least 1000\",\n errorInvalidInterest: \"Interest rate must be between 0 and 50\",\n errorInvalidTerm: \"Loan term must be between 1 and 50\",\n \n footerText: \"\u00a9 2024 Loan Calculator - Free tool for accurate loan calculations\"\n }\n };\n\n \/\/ \u0627\u0644\u062d\u0627\u0644\u0629 \u0627\u0644\u062d\u0627\u0644\u064a\u0629\n let currentLang = 'ar';\n let paymentChart = null;\n let amortizationChart = null;\n\n \/\/ \ud83d\udd04 \u062a\u0628\u062f\u064a\u0644 \u0627\u0644\u0644\u063a\u0629\n function toggleLanguage() {\n currentLang = currentLang === 'ar' ? 'en' : 'ar';\n document.documentElement.lang = currentLang;\n document.documentElement.dir = currentLang === 'ar' ? 'rtl' : 'ltr';\n updateLanguage();\n }\n\n \/\/ \u062a\u062d\u062f\u064a\u062b \u0627\u0644\u0646\u0635\u0648\u0635\n function updateLanguage() {\n const lang = translations[currentLang];\n document.getElementById('langText').textContent = currentLang === 'ar' ? 'English' : '\u0627\u0644\u0639\u0631\u0628\u064a\u0629';\n \n \/\/ \u062a\u062d\u062f\u064a\u062b \u062c\u0645\u064a\u0639 \u0627\u0644\u0646\u0635\u0648\u0635\n Object.keys(lang).forEach(key => {\n const element = document.getElementById(key);\n if (element) element.textContent = lang[key];\n });\n }\n\n \/\/ \u2705 \u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0627\u0644\u0645\u062f\u062e\u0644\u0627\u062a\n function validateInputs() {\n const loanAmount = parseFloat(document.getElementById('loanAmount').value);\n const interestRate = parseFloat(document.getElementById('interestRate').value);\n const loanTerm = parseFloat(document.getElementById('loanTerm').value);\n const errorAlert = document.getElementById('errorAlert');\n \n \/\/ \u0625\u062e\u0641\u0627\u0621 \u0631\u0633\u0627\u0644\u0629 \u0627\u0644\u062e\u0637\u0623\n errorAlert.style.display = 'none';\n \n \/\/ \u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0645\u0628\u0644\u063a \u0627\u0644\u0642\u0631\u0636\n if (!loanAmount || loanAmount < 1000) {\n showError('errorInvalidAmount');\n return false;\n }\n \n \/\/ \u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0645\u0639\u062f\u0644 \u0627\u0644\u0641\u0627\u0626\u062f\u0629\n if (isNaN(interestRate) || interestRate < 0 || interestRate > 50) {\n showError('errorInvalidInterest');\n return false;\n }\n \n \/\/ \u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0645\u062f\u0629 \u0627\u0644\u0633\u062f\u0627\u062f\n if (!loanTerm || loanTerm < 1 || loanTerm > 50) {\n showError('errorInvalidTerm');\n return false;\n }\n \n return true;\n }\n\n \/\/ \u274c \u0639\u0631\u0636 \u0631\u0633\u0627\u0644\u0629 \u062e\u0637\u0623\n function showError(errorKey) {\n const errorAlert = document.getElementById('errorAlert');\n const lang = translations[currentLang];\n errorAlert.textContent = lang[errorKey];\n errorAlert.style.display = 'block';\n }\n\n \/\/ \ud83e\uddee \u062d\u0633\u0627\u0628 \u0627\u0644\u0642\u0631\u0636 \u0628\u062f\u0642\u0629\n function calculateLoan() {\n if (!validateInputs()) return;\n \n const loanAmount = parseFloat(document.getElementById('loanAmount').value);\n const annualInterestRate = parseFloat(document.getElementById('interestRate').value);\n const loanTermValue = parseFloat(document.getElementById('loanTerm').value);\n const termType = document.getElementById('termType').value;\n const loanType = document.querySelector('input[name=\"loanType\"]:checked').value;\n\n \/\/ \u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u0645\u062f\u0629 \u0625\u0644\u0649 \u0623\u0634\u0647\u0631\n const totalMonths = termType === 'years' ? loanTermValue * 12 : loanTermValue;\n const monthlyRate = annualInterestRate \/ 100 \/ 12;\n\n let monthlyPayment, totalPayment, totalInterest;\n\n \/\/ \u062d\u0633\u0627\u0628 \u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u062b\u0627\u0628\u062a\n if (loanType === 'fixed') {\n if (monthlyRate === 0) {\n monthlyPayment = loanAmount \/ totalMonths;\n } else {\n const factor = Math.pow(1 + monthlyRate, totalMonths);\n monthlyPayment = (loanAmount * monthlyRate * factor) \/ (factor - 1);\n }\n totalPayment = monthlyPayment * totalMonths;\n totalInterest = totalPayment - loanAmount;\n } \n \/\/ \u062d\u0633\u0627\u0628 \u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0645\u062a\u0646\u0627\u0642\u0635\n else {\n let remainingBalance = loanAmount;\n totalInterest = 0;\n \n for (let i = 0; i < totalMonths; i++) {\n const monthlyInterest = remainingBalance * monthlyRate;\n totalInterest += monthlyInterest;\n remainingBalance -= (loanAmount \/ totalMonths);\n }\n \n totalPayment = loanAmount + totalInterest;\n monthlyPayment = totalPayment \/ totalMonths;\n }\n\n \/\/ \u062a\u062d\u062f\u064a\u062b \u0627\u0644\u0646\u062a\u0627\u0626\u062c\n updateResults(monthlyPayment, totalPayment, totalInterest, loanAmount);\n \n \/\/ \u0625\u0646\u0634\u0627\u0621 \u062c\u062f\u0648\u0644 \u0627\u0644\u0633\u062f\u0627\u062f\n createAmortizationTable(loanAmount, annualInterestRate, totalMonths, loanType);\n \n \/\/ \u062a\u062d\u062f\u064a\u062b \u0627\u0644\u0631\u0633\u0648\u0645 \u0627\u0644\u0628\u064a\u0627\u0646\u064a\u0629\n updateCharts(loanAmount, totalInterest);\n \n \/\/ \u0625\u0638\u0647\u0627\u0631 \u0627\u0644\u0646\u062a\u0627\u0626\u062c\n showResults();\n }\n\n \/\/ \ud83d\udcca \u062a\u062d\u062f\u064a\u062b \u0627\u0644\u0646\u062a\u0627\u0626\u062c\n function updateResults(monthlyPayment, totalPayment, totalInterest, loanAmount) {\n document.getElementById('monthlyPayment').textContent = formatCurrency(monthlyPayment);\n document.getElementById('totalPayment').textContent = formatCurrency(totalPayment);\n document.getElementById('totalInterest').textContent = formatCurrency(totalInterest);\n document.getElementById('interestRatio').textContent = ((totalInterest \/ loanAmount) * 100).toFixed(1) + '%';\n }\n\n \/\/ \ud83d\udcb0 \u062a\u0646\u0633\u064a\u0642 \u0627\u0644\u0639\u0645\u0644\u0629\n function formatCurrency(amount) {\n const formatter = new Intl.NumberFormat(currentLang === 'ar' ? 'ar-SA' : 'en-US', {\n style: 'currency',\n currency: currentLang === 'ar' ? 'SAR' : 'USD',\n minimumFractionDigits: 0,\n maximumFractionDigits: 0\n });\n return formatter.format(Math.round(amount));\n }\n\n \/\/ \ud83d\udccb \u0625\u0646\u0634\u0627\u0621 \u062c\u062f\u0648\u0644 \u0627\u0644\u0633\u062f\u0627\u062f\n function createAmortizationTable(loanAmount, annualRate, totalMonths, loanType) {\n const monthlyRate = annualRate \/ 100 \/ 12;\n const tableBody = document.getElementById('amortizationBody');\n tableBody.innerHTML = '';\n\n let balance = loanAmount;\n const principalPayment = loanAmount \/ totalMonths;\n\n for (let month = 1; month <= totalMonths; month++) {\n let interest, principal, payment;\n\n if (loanType === 'fixed') {\n const factor = Math.pow(1 + monthlyRate, totalMonths);\n payment = (loanAmount * monthlyRate * factor) \/ (factor - 1);\n interest = balance * monthlyRate;\n principal = payment - interest;\n } else {\n principal = principalPayment;\n interest = balance * monthlyRate;\n payment = principal + interest;\n }\n\n balance -= principal;\n if (balance < 0) balance = 0;\n\n const row = document.createElement('tr');\n row.innerHTML = `\n <td>${month}<\/td>\n <td>${formatCurrency(payment)}<\/td>\n <td>${formatCurrency(principal)}<\/td>\n <td>${formatCurrency(interest)}<\/td>\n <td>${formatCurrency(balance)}<\/td>\n `;\n tableBody.appendChild(row);\n\n \/\/ \u0639\u0631\u0636 \u0623\u0648\u0644 12 \u0634\u0647\u0631 \u0641\u0642\u0637 \u0644\u0644\u0633\u0631\u0639\u0629\n if (month === 12 && totalMonths > 12) break;\n }\n }\n\n \/\/ \ud83d\udcc8 \u062a\u062d\u062f\u064a\u062b \u0627\u0644\u0631\u0633\u0648\u0645 \u0627\u0644\u0628\u064a\u0627\u0646\u064a\u0629\n function updateCharts(loanAmount, totalInterest) {\n const ctx1 = document.getElementById('paymentChart').getContext('2d');\n const ctx2 = document.getElementById('amortizationChart').getContext('2d');\n\n \/\/ \u062a\u062f\u0645\u064a\u0631 \u0627\u0644\u0631\u0633\u0648\u0645 \u0627\u0644\u0633\u0627\u0628\u0642\u0629\n if (paymentChart) paymentChart.destroy();\n if (amortizationChart) amortizationChart.destroy();\n\n \/\/ \u0631\u0633\u0645 \u0628\u064a\u0627\u0646\u064a \u0644\u0644\u062f\u0641\u0639\u0627\u062a\n paymentChart = new Chart(ctx1, {\n type: 'doughnut',\n data: {\n labels: currentLang === 'ar' ? ['\u0623\u0635\u0644 \u0627\u0644\u0642\u0631\u0636', '\u0627\u0644\u0641\u0627\u0626\u062f\u0629'] : ['Principal', 'Interest'],\n datasets: [{\n data: [loanAmount, totalInterest],\n backgroundColor: ['#2563eb', '#10b981'],\n borderWidth: 1\n }]\n },\n options: {\n responsive: true,\n maintainAspectRatio: false,\n plugins: {\n legend: {\n position: 'bottom'\n }\n }\n }\n });\n\n \/\/ \u0631\u0633\u0645 \u0628\u064a\u0627\u0646\u064a \u0644\u0644\u0633\u062f\u0627\u062f\n amortizationChart = new Chart(ctx2, {\n type: 'line',\n data: {\n labels: Array.from({length: 12}, (_, i) => i + 1),\n datasets: [{\n label: currentLang === 'ar' ? '\u0631\u0635\u064a\u062f \u0627\u0644\u0642\u0631\u0636' : 'Loan Balance',\n data: Array.from({length: 12}, (_, i) => {\n return Math.max(0, loanAmount - (loanAmount \/ 12 * i));\n }),\n borderColor: '#2563eb',\n backgroundColor: 'rgba(37, 99, 235, 0.1)',\n fill: true,\n tension: 0.4\n }]\n },\n options: {\n responsive: true,\n maintainAspectRatio: false,\n scales: {\n y: {\n beginAtZero: true,\n ticks: {\n callback: function(value) {\n return formatCurrency(value);\n }\n }\n }\n }\n }\n });\n }\n\n \/\/ \ud83d\udc41\ufe0f \u0625\u0638\u0647\u0627\u0631 \u0627\u0644\u0646\u062a\u0627\u0626\u062c\n function showResults() {\n document.getElementById('emptySummary').style.display = 'none';\n document.getElementById('resultsSummary').style.display = 'grid';\n }\n\n \/\/ \ud83d\udd04 \u062a\u0628\u062f\u064a\u0644 \u0627\u0644\u062a\u0628\u0648\u064a\u0628\u0627\u062a\n function initTabs() {\n document.querySelectorAll('.tab').forEach(tab => {\n tab.addEventListener('click', function() {\n 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\u062a\u0647\u064a\u0626\u0629 \u0627\u0644\u062a\u0628\u0648\u064a\u0628\u0627\u062a\n initTabs();\n \n \/\/ \u062a\u062d\u062f\u064a\u062b \u0627\u0644\u0644\u063a\u0629\n updateLanguage();\n \n \/\/ \u062a\u062d\u0645\u064a\u0644 Chart.js \u0627\u0644\u0645\u062e\u0641\u0641\n if (typeof Chart === 'undefined') {\n console.warn('Chart.js not loaded');\n }\n }\n\n \/\/ \u0628\u062f\u0621 \u0627\u0644\u062a\u0637\u0628\u064a\u0642\n document.addEventListener('DOMContentLoaded', init);\n <\/script>\n<\/body>\n<\/html>\n","protected":false},"excerpt":{"rendered":"<p>\u062d\u0627\u0633\u0628\u0629 \u0627\u0644\u0642\u0631\u0648\u0636 \u0648\u0627\u0644\u0623\u0642\u0633\u0627\u0637 | \u062d\u0633\u0627\u0628 \u062f\u0642\u064a\u0642 \u0644\u0644\u0642\u0631\u0648\u0636 \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0648\u0627\u0644\u0639\u0642\u0627\u0631\u064a\u0629 2024 English \u062d\u0627\u0633\u0628\u0629 \u0627\u0644\u0642\u0631\u0648\u0636 \u0648\u0627\u0644\u0623\u0642\u0633\u0627\u0637 \u0627\u062d\u0633\u0628 \u0623\u0642\u0633\u0627\u0637 \u0642\u0631\u0636\u0643 \u0628\u062f\u0642\u0629 \u0639\u0627\u0644\u064a\u0629 – \u0623\u062f\u0627\u0629 \u0645\u062c\u0627\u0646\u064a\u0629 \u0648\u0633\u0647\u0644\u0629 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0642\u0631\u0636 \u0645\u0628\u0644\u063a \u0627\u0644\u0642\u0631\u0636 \u0645\u0639\u062f\u0644 \u0627\u0644\u0641\u0627\u0626\u062f\u0629 \u0627\u0644\u0633\u0646\u0648\u064a (%) \u0645\u062f\u0629 \u0627\u0644\u0633\u062f\u0627\u062f \u0633\u0646\u0648\u0627\u062a\u0623\u0634\u0647\u0631 \u0646\u0648\u0639 \u0627\u0644\u0642\u0633\u0637 \u062b\u0627\u0628\u062a \u0645\u062a\u0646\u0627\u0642\u0635 \u0627\u062d\u0633\u0628 \u0627\u0644\u0642\u0631\u0636 \u0646\u062a\u0627\u0626\u062c \u0627\u0644\u062d\u0633\u0627\u0628 \u0645\u0644\u062e\u0635 \u062c\u062f\u0648\u0644 \u0627\u0644\u0633\u062f\u0627\u062f \u0627\u0644\u0631\u0633\u0645 \u0627\u0644\u0628\u064a\u0627\u0646\u064a \ud83d\udcca \u0623\u062f\u062e\u0644 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0642\u0631\u0636 \u0633\u064a\u0638\u0647\u0631 \u0647\u0646\u0627 \u0645\u0644\u062e\u0635 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-30","post","type-post","status-publish","format-standard","hentry","category-1"],"_links":{"self":[{"href":"https:\/\/hasabah.com\/index.php?rest_route=\/wp\/v2\/posts\/30","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hasabah.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hasabah.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hasabah.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/hasabah.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=30"}],"version-history":[{"count":1,"href":"https:\/\/hasabah.com\/index.php?rest_route=\/wp\/v2\/posts\/30\/revisions"}],"predecessor-version":[{"id":31,"href":"https:\/\/hasabah.com\/index.php?rest_route=\/wp\/v2\/posts\/30\/revisions\/31"}],"wp:attachment":[{"href":"https:\/\/hasabah.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=30"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hasabah.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=30"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hasabah.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=30"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}