• /*! * jQuery Validation Plugin v1.15.0 * * http://jqueryvalidation.org/ * * Copyright (c) 2016 Jörn Zaefferer * Released under the MIT license */ (function( factory ) { if ( typeof define === "function" && define.amd ) { define( ["jquery"], factory ); } else if (typeof module === "object" && module.exports) { module.exports = factory( require( "jquery" ) ); } else { factory( jQuery ); } }(function( $ ) { $.extend( $.fn, { // http://jqueryvalidation.org/validate/ validate: function( options ) { // If nothing is selected, return nothing; can't chain anyway if ( !this.length ) { if ( options && options.debug && window.console ) { console.warn( "Nothing selected, can't validate, returning nothing." ); } return; } // Check if a validator for this form was already created var validator = $.data( this[ 0 ], "validator" ); if ( validator ) { return validator; } // Add novalidate tag if HTML5. this.attr( "novalidate", "novalidate" ); validator = new $.validator( options, this[ 0 ] ); $.data( this[ 0 ], "validator", validator ); if ( validator.settings.onsubmit ) { this.on( "click.validate", ":submit", function( event ) { if ( validator.settings.submitHandler ) { validator.submitButton = event.target; } // Allow suppressing validation by adding a cancel class to the submit button if ( $( this ).hasClass( "cancel" ) ) { validator.cancelSubmit = true; } // Allow suppressing validation by adding the html5 formnovalidate attribute to the submit button if ( $( this ).attr( "formnovalidate" ) !== undefined ) { validator.cancelSubmit = true; } } ); // Validate the form on submit this.on( "submit.validate", function( event ) { if ( validator.settings.debug ) { // Prevent form submit to be able to see console output event.preventDefault(); } function handle() { var hidden, result; if ( validator.settings.submitHandler ) { if ( validator.submitButton ) { // Insert a hidden input as a replacement for the missing submit button hidden = $( "" ) .attr( "name", validator.submitButton.name ) .val( $( validator.submitButton ).val() ) .appendTo( validator.currentForm ); } result = validator.settings.submitHandler.call( validator, validator.currentForm, event ); if ( validator.submitButton ) { // And clean up afterwards; thanks to no-block-scope, hidden can be referenced hidden.remove(); } if ( result !== undefined ) { return result; } return false; } return true; } // Prevent submit for invalid forms or custom submit handlers if ( validator.cancelSubmit ) { validator.cancelSubmit = false; return handle(); } if ( validator.form() ) { if ( validator.pendingRequest ) { validator.formSubmitted = true; return false; } return handle(); } else { validator.focusInvalid(); return false; } } ); } return validator; }, // http://jqueryvalidation.org/valid/ valid: function() { var valid, validator, errorList; if ( $( this[ 0 ] ).is( "form" ) ) { valid = this.validate().form(); } else { errorList = []; valid = true; validator = $( this[ 0 ].form ).validate(); this.each( function() { valid = validator.element( this ) && valid; if ( !valid ) { errorList = errorList.concat( validator.errorList ); } } ); validator.errorList = errorList; } return valid; }, // http://jqueryvalidation.org/rules/ rules: function( command, argument ) { // If nothing is selected, return nothing; can't chain anyway if ( !this.length ) { return; } var element = this[ 0 ], settings, staticRules, existingRules, data, param, filtered; if ( command ) { settings = $.data( element.form, "validator" ).settings; staticRules = settings.rules; existingRules = $.validator.staticRules( element ); switch ( command ) { case "add": $.extend( existingRules, $.validator.normalizeRule( argument ) ); // Remove messages from rules, but allow them to be set separately delete existingRules.messages; staticRules[ element.name ] = existingRules; if ( argument.messages ) { settings.messages[ element.name ] = $.extend( settings.messages[ element.name ], argument.messages ); } break; case "remove": if ( !argument ) { delete staticRules[ element.name ]; return existingRules; } filtered = {}; $.each( argument.split( /\s/ ), function( index, method ) { filtered[ method ] = existingRules[ method ]; delete existingRules[ method ]; if ( method === "required" ) { $( element ).removeAttr( "aria-required" ); } } ); return filtered; } } data = $.validator.normalizeRules( $.extend( {}, $.validator.classRules( element ), $.validator.attributeRules( element ), $.validator.dataRules( element ), $.validator.staticRules( element ) ), element ); // Make sure required is at front if ( data.required ) { param = data.required; delete data.required; data = $.extend( { required: param }, data ); $( element ).attr( "aria-required", "true" ); } // Make sure remote is at back if ( data.remote ) { param = data.remote; delete data.remote; data = $.extend( data, { remote: param } ); } return data; } } ); // Custom selectors $.extend( $.expr[ ":" ], { // http://jqueryvalidation.org/blank-selector/ blank: function( a ) { return !$.trim( "" + $( a ).val() ); }, // http://jqueryvalidation.org/filled-selector/ filled: function( a ) { var val = $( a ).val(); return val !== null && !!$.trim( "" + val ); }, // http://jqueryvalidation.org/unchecked-selector/ unchecked: function( a ) { return !$( a ).prop( "checked" ); } } ); // Constructor for validator $.validator = function( options, form ) { this.settings = $.extend( true, {}, $.validator.defaults, options ); this.currentForm = form; this.init(); }; // http://jqueryvalidation.org/jQuery.validator.format/ $.validator.format = function( source, params ) { if ( arguments.length === 1 ) { return function() { var args = $.makeArray( arguments ); args.unshift( source ); return $.validator.format.apply( this, args ); }; } if ( params === undefined ) { return source; } if ( arguments.length > 2 && params.constructor !== Array ) { params = $.makeArray( arguments ).slice( 1 ); } if ( params.constructor !== Array ) { params = [ params ]; } $.each( params, function( i, n ) { source = source.replace( new RegExp( "\\{" + i + "\\}", "g" ), function() { return n; } ); } ); return source; }; $.extend( $.validator, { defaults: { messages: {}, groups: {}, rules: {}, errorClass: "error", pendingClass: "pending", validClass: "valid", errorElement: "label", focusCleanup: false, focusInvalid: true, errorContainer: $( [] ), errorLabelContainer: $( [] ), onsubmit: true, ignore: ":hidden", ignoreTitle: false, onfocusin: function( element ) { this.lastActive = element; // Hide error label and remove error class on focus if enabled if ( this.settings.focusCleanup ) { if ( this.settings.unhighlight ) { this.settings.unhighlight.call( this, element, this.settings.errorClass, this.settings.validClass ); } this.hideThese( this.errorsFor( element ) ); } }, onfocusout: function( element ) { if ( !this.checkable( element ) && ( element.name in this.submitted || !this.optional( element ) ) ) { this.element( element ); } }, onkeyup: function( element, event ) { // Avoid revalidate the field when pressing one of the following keys // Shift => 16 // Ctrl => 17 // Alt => 18 // Caps lock => 20 // End => 35 // Home => 36 // Left arrow => 37 // Up arrow => 38 // Right arrow => 39 // Down arrow => 40 // Insert => 45 // Num lock => 144 // AltGr key => 225 var excludedKeys = [ 16, 17, 18, 20, 35, 36, 37, 38, 39, 40, 45, 144, 225 ]; if ( event.which === 9 && this.elementValue( element ) === "" || $.inArray( event.keyCode, excludedKeys ) !== -1 ) { return; } else if ( element.name in this.submitted || element.name in this.invalid ) { this.element( element ); } }, onclick: function( element ) { // Click on selects, radiobuttons and checkboxes if ( element.name in this.submitted ) { this.element( element ); // Or option elements, check parent select in that case } else if ( element.parentNode.name in this.submitted ) { this.element( element.parentNode ); } }, highlight: function( element, errorClass, validClass ) { if ( element.type === "radio" ) { this.findByName( element.name ).addClass( errorClass ).removeClass( validClass ); } else { $( element ).addClass( errorClass ).removeClass( validClass ); } }, unhighlight: function( element, errorClass, validClass ) { if ( element.type === "radio" ) { this.findByName( element.name ).removeClass( errorClass ).addClass( validClass ); } else { $( element ).removeClass( errorClass ).addClass( validClass ); } } }, // http://jqueryvalidation.org/jQuery.validator.setDefaults/ setDefaults: function( settings ) { $.extend( $.validator.defaults, settings ); }, messages: { required: "This field is required.", remote: "Please fix this field.", email: "Please enter a valid email address.", url: "Please enter a valid URL.", date: "Please enter a valid date.", dateISO: "Please enter a valid date ( ISO ).", number: "Please enter a valid number.", digits: "Please enter only digits.", equalTo: "Please enter the same value again.", maxlength: $.validator.format( "Please enter no more than {0} characters." ), minlength: $.validator.format( "Please enter at least {0} characters." ), rangelength: $.validator.format( "Please enter a value between {0} and {1} characters long." ), range: $.validator.format( "Please enter a value between {0} and {1}." ), max: $.validator.format( "Please enter a value less than or equal to {0}." ), min: $.validator.format( "Please enter a value greater than or equal to {0}." ), step: $.validator.format( "Please enter a multiple of {0}." ) }, autoCreateRanges: false, prototype: { init: function() { this.labelContainer = $( this.settings.errorLabelContainer ); this.errorContext = this.labelContainer.length && this.labelContainer || $( this.currentForm ); this.containers = $( this.settings.errorContainer ).add( this.settings.errorLabelContainer ); this.submitted = {}; this.valueCache = {}; this.pendingRequest = 0; this.pending = {}; this.invalid = {}; this.reset(); var groups = ( this.groups = {} ), rules; $.each( this.settings.groups, function( key, value ) { if ( typeof value === "string" ) { value = value.split( /\s/ ); } $.each( value, function( index, name ) { groups[ name ] = key; } ); } ); rules = this.settings.rules; $.each( rules, function( key, value ) { rules[ key ] = $.validator.normalizeRule( value ); } ); function delegate( event ) { var validator = $.data( this.form, "validator" ), eventType = "on" + event.type.replace( /^validate/, "" ), settings = validator.settings; if ( settings[ eventType ] && !$( this ).is( settings.ignore ) ) { settings[ eventType ].call( validator, this, event ); } } $( this.currentForm ) .on( "focusin.validate focusout.validate keyup.validate", ":text, [type='password'], [type='file'], select, textarea, [type='number'], [type='search'], " + "[type='tel'], [type='url'], [type='email'], [type='datetime'], [type='date'], [type='month'], " + "[type='week'], [type='time'], [type='datetime-local'], [type='range'], [type='color'], " + "[type='radio'], [type='checkbox'], [contenteditable]", delegate ) // Support: Chrome, oldIE // "select" is provided as event.target when clicking a option .on( "click.validate", "select, option, [type='radio'], [type='checkbox']", delegate ); if ( this.settings.invalidHandler ) { $( this.currentForm ).on( "invalid-form.validate", this.settings.invalidHandler ); } // Add aria-required to any Static/Data/Class required fields before first validation // Screen readers require this attribute to be present before the initial submission http://www.w3.org/TR/WCAG-TECHS/ARIA2.html $( this.currentForm ).find( "[required], [data-rule-required], .required" ).attr( "aria-required", "true" ); }, // http://jqueryvalidation.org/Validator.form/ form: function() { this.checkForm(); $.extend( this.submitted, this.errorMap ); this.invalid = $.extend( {}, this.errorMap ); if ( !this.valid() ) { $( this.currentForm ).triggerHandler( "invalid-form", [ this ] ); } this.showErrors(); return this.valid(); }, checkForm: function() { this.prepareForm(); for ( var i = 0, elements = ( this.currentElements = this.elements() ); elements[ i ]; i++ ) { this.check( elements[ i ] ); } return this.valid(); }, // http://jqueryvalidation.org/Validator.element/ element: function( element ) { var cleanElement = this.clean( element ), checkElement = this.validationTargetFor( cleanElement ), v = this, result = true, rs, group; if ( checkElement === undefined ) { delete this.invalid[ cleanElement.name ]; } else { this.prepareElement( checkElement ); this.currentElements = $( checkElement ); // If this element is grouped, then validate all group elements already // containing a value group = this.groups[ checkElement.name ]; if ( group ) { $.each( this.groups, function( name, testgroup ) { if ( testgroup === group && name !== checkElement.name ) { cleanElement = v.validationTargetFor( v.clean( v.findByName( name ) ) ); if ( cleanElement && cleanElement.name in v.invalid ) { v.currentElements.push( cleanElement ); result = result && v.check( cleanElement ); } } } ); } rs = this.check( checkElement ) !== false; result = result && rs; if ( rs ) { this.invalid[ checkElement.name ] = false; } else { this.invalid[ checkElement.name ] = true; } if ( !this.numberOfInvalids() ) { // Hide error containers on last error this.toHide = this.toHide.add( this.containers ); } this.showErrors(); // Add aria-invalid status for screen readers $( element ).attr( "aria-invalid", !rs ); } return result; }, // http://jqueryvalidation.org/Validator.showErrors/ showErrors: function( errors ) { if ( errors ) { var validator = this; // Add items to error list and map $.extend( this.errorMap, errors ); this.errorList = $.map( this.errorMap, function( message, name ) { return { message: message, element: validator.findByName( name )[ 0 ] }; } ); // Remove items from success list this.successList = $.grep( this.successList, function( element ) { return !( element.name in errors ); } ); } if ( this.settings.showErrors ) { this.settings.showErrors.call( this, this.errorMap, this.errorList ); } else { this.defaultShowErrors(); } }, // http://jqueryvalidation.org/Validator.resetForm/ resetForm: function() { if ( $.fn.resetForm ) { $( this.currentForm ).resetForm(); } this.invalid = {}; this.submitted = {}; this.prepareForm(); this.hideErrors(); var elements = this.elements() .removeData( "previousValue" ) .removeAttr( "aria-invalid" ); this.resetElements( elements ); }, resetElements: function( elements ) { var i; if ( this.settings.unhighlight ) { for ( i = 0; elements[ i ]; i++ ) { this.settings.unhighlight.call( this, elements[ i ], this.settings.errorClass, "" ); this.findByName( elements[ i ].name ).removeClass( this.settings.validClass ); } } else { elements .removeClass( this.settings.errorClass ) .removeClass( this.settings.validClass ); } }, numberOfInvalids: function() { return this.objectLength( this.invalid ); }, objectLength: function( obj ) { /* jshint unused: false */ var count = 0, i; for ( i in obj ) { if ( obj[ i ] ) { count++; } } return count; }, hideErrors: function() { this.hideThese( this.toHide ); }, hideThese: function( errors ) { errors.not( this.containers ).text( "" ); this.addWrapper( errors ).hide(); }, valid: function() { return this.size() === 0; }, size: function() { return this.errorList.length; }, focusInvalid: function() { if ( this.settings.focusInvalid ) { try { $( this.findLastActive() || this.errorList.length && this.errorList[ 0 ].element || [] ) .filter( ":visible" ) .focus() // Manually trigger focusin event; without it, focusin handler isn't called, findLastActive won't have anything to find .trigger( "focusin" ); } catch ( e ) { // Ignore IE throwing errors when focusing hidden elements } } }, findLastActive: function() { var lastActive = this.lastActive; return lastActive && $.grep( this.errorList, function( n ) { return n.element.name === lastActive.name; } ).length === 1 && lastActive; }, elements: function() { var validator = this, rulesCache = {}; // Select all valid inputs inside the form (no submit or reset buttons) return $( this.currentForm ) .find( "input, select, textarea, [contenteditable]" ) .not( ":submit, :reset, :image, :disabled" ) .not( this.settings.ignore ) .filter( function() { var name = this.name || $( this ).attr( "name" ); // For contenteditable if ( !name && validator.settings.debug && window.console ) { console.error( "%o has no name assigned", this ); } // Set form expando on contenteditable if ( this.hasAttribute( "contenteditable" ) ) { this.form = $( this ).closest( "form" )[ 0 ]; } // Select only the first element for each name, and only those with rules specified if ( name in rulesCache || !validator.objectLength( $( this ).rules() ) ) { return false; } rulesCache[ name ] = true; return true; } ); }, clean: function( selector ) { return $( selector )[ 0 ]; }, errors: function() { var errorClass = this.settings.errorClass.split( " " ).join( "." ); return $( this.settings.errorElement + "." + errorClass, this.errorContext ); }, resetInternals: function() { this.successList = []; this.errorList = []; this.errorMap = {}; this.toShow = $( [] ); this.toHide = $( [] ); }, reset: function() { this.resetInternals(); this.currentElements = $( [] ); }, prepareForm: function() { this.reset(); this.toHide = this.errors().add( this.containers ); }, prepareElement: function( element ) { this.reset(); this.toHide = this.errorsFor( element ); }, elementValue: function( element ) { var $element = $( element ), type = element.type, val, idx; if ( type === "radio" || type === "checkbox" ) { return this.findByName( element.name ).filter( ":checked" ).val(); } else if ( type === "number" && typeof element.validity !== "undefined" ) { return element.validity.badInput ? "NaN" : $element.val(); } if ( element.hasAttribute( "contenteditable" ) ) { val = $element.text(); } else { val = $element.val(); } if ( type === "file" ) { // Modern browser (chrome & safari) if ( val.substr( 0, 12 ) === "C:\\fakepath\\" ) { return val.substr( 12 ); } // Legacy browsers // Unix-based path idx = val.lastIndexOf( "/" ); if ( idx >= 0 ) { return val.substr( idx + 1 ); } // Windows-based path idx = val.lastIndexOf( "\\" ); if ( idx >= 0 ) { return val.substr( idx + 1 ); } // Just the file name return val; } if ( typeof val === "string" ) { return val.replace( /\r/g, "" ); } return val; }, check: function( element ) { element = this.validationTargetFor( this.clean( element ) ); var rules = $( element ).rules(), rulesCount = $.map( rules, function( n, i ) { return i; } ).length, dependencyMismatch = false, val = this.elementValue( element ), result, method, rule; // If a normalizer is defined for this element, then // call it to retreive the changed value instead // of using the real one. // Note that `this` in the normalizer is `element`. if ( typeof rules.normalizer === "function" ) { val = rules.normalizer.call( element, val ); if ( typeof val !== "string" ) { throw new TypeError( "The normalizer should return a string value." ); } // Delete the normalizer from rules to avoid treating // it as a pre-defined method. delete rules.normalizer; } for ( method in rules ) { rule = { method: method, parameters: rules[ method ] }; try { result = $.validator.methods[ method ].call( this, val, element, rule.parameters ); // If a method indicates that the field is optional and therefore valid, // don't mark it as valid when there are no other rules if ( result === "dependency-mismatch" && rulesCount === 1 ) { dependencyMismatch = true; continue; } dependencyMismatch = false; if ( result === "pending" ) { this.toHide = this.toHide.not( this.errorsFor( element ) ); return; } if ( !result ) { this.formatAndAdd( element, rule ); return false; } } catch ( e ) { if ( this.settings.debug && window.console ) { console.log( "Exception occurred when checking element " + element.id + ", check the '" + rule.method + "' method.", e ); } if ( e instanceof TypeError ) { e.message += ". Exception occurred when checking element " + element.id + ", check the '" + rule.method + "' method."; } throw e; } } if ( dependencyMismatch ) { return; } if ( this.objectLength( rules ) ) { this.successList.push( element ); } return true; }, // Return the custom message for the given element and validation method // specified in the element's HTML5 data attribute // return the generic message if present and no method specific message is present customDataMessage: function( element, method ) { return $( element ).data( "msg" + method.charAt( 0 ).toUpperCase() + method.substring( 1 ).toLowerCase() ) || $( element ).data( "msg" ); }, // Return the custom message for the given element name and validation method customMessage: function( name, method ) { var m = this.settings.messages[ name ]; return m && ( m.constructor === String ? m : m[ method ] ); }, // Return the first defined argument, allowing empty strings findDefined: function() { for ( var i = 0; i < arguments.length; i++ ) { if ( arguments[ i ] !== undefined ) { return arguments[ i ]; } } return undefined; }, defaultMessage: function( element, rule ) { var message = this.findDefined( this.customMessage( element.name, rule.method ), this.customDataMessage( element, rule.method ), // 'title' is never undefined, so handle empty string as undefined !this.settings.ignoreTitle && element.title || undefined, $.validator.messages[ rule.method ], "Warning: No message defined for " + element.name + "" ), theregex = /\$?\{(\d+)\}/g; if ( typeof message === "function" ) { message = message.call( this, rule.parameters, element ); } else if ( theregex.test( message ) ) { message = $.validator.format( message.replace( theregex, "{$1}" ), rule.parameters ); } return message; }, formatAndAdd: function( element, rule ) { var message = this.defaultMessage( element, rule ); this.errorList.push( { message: message, element: element, method: rule.method } ); this.errorMap[ element.name ] = message; this.submitted[ element.name ] = message; }, addWrapper: function( toToggle ) { if ( this.settings.wrapper ) { toToggle = toToggle.add( toToggle.parent( this.settings.wrapper ) ); } return toToggle; }, defaultShowErrors: function() { var i, elements, error; for ( i = 0; this.errorList[ i ]; i++ ) { error = this.errorList[ i ]; if ( this.settings.highlight ) { this.settings.highlight.call( this, error.element, this.settings.errorClass, this.settings.validClass ); } this.showLabel( error.element, error.message ); } if ( this.errorList.length ) { this.toShow = this.toShow.add( this.containers ); } if ( this.settings.success ) { for ( i = 0; this.successList[ i ]; i++ ) { this.showLabel( this.successList[ i ] ); } } if ( this.settings.unhighlight ) { for ( i = 0, elements = this.validElements(); elements[ i ]; i++ ) { this.settings.unhighlight.call( this, elements[ i ], this.settings.errorClass, this.settings.validClass ); } } this.toHide = this.toHide.not( this.toShow ); this.hideErrors(); this.addWrapper( this.toShow ).show(); }, validElements: function() { return this.currentElements.not( this.invalidElements() ); }, invalidElements: function() { return $( this.errorList ).map( function() { return this.element; } ); }, showLabel: function( element, message ) { var place, group, errorID, v, error = this.errorsFor( element ), elementID = this.idOrName( element ), describedBy = $( element ).attr( "aria-describedby" ); if ( error.length ) { // Refresh error/success class error.removeClass( this.settings.validClass ).addClass( this.settings.errorClass ); // Replace message on existing label error.html( message ); } else { // Create error element error = $( "<" + this.settings.errorElement + ">" ) .attr( "id", elementID + "-error" ) .addClass( this.settings.errorClass ) .html( message || "" ); // Maintain reference to the element to be placed into the DOM place = error; if ( this.settings.wrapper ) { // Make sure the element is visible, even in IE // actually showing the wrapped element is handled elsewhere place = error.hide().show().wrap( "<" + this.settings.wrapper + "/>" ).parent(); } if ( this.labelContainer.length ) { this.labelContainer.append( place ); } else if ( this.settings.errorPlacement ) { this.settings.errorPlacement( place, $( element ) ); } else { place.insertAfter( element ); } // Link error back to the element if ( error.is( "label" ) ) { // If the error is a label, then associate using 'for' error.attr( "for", elementID ); // If the element is not a child of an associated label, then it's necessary // to explicitly apply aria-describedby } else if ( error.parents( "label[for='" + this.escapeCssMeta( elementID ) + "']" ).length === 0 ) { errorID = error.attr( "id" ); // Respect existing non-error aria-describedby if ( !describedBy ) { describedBy = errorID; } else if ( !describedBy.match( new RegExp( "\\b" + this.escapeCssMeta( errorID ) + "\\b" ) ) ) { // Add to end of list if not already present describedBy += " " + errorID; } $( element ).attr( "aria-describedby", describedBy ); // If this element is grouped, then assign to all elements in the same group group = this.groups[ element.name ]; if ( group ) { v = this; $.each( v.groups, function( name, testgroup ) { if ( testgroup === group ) { $( "[name='" + v.escapeCssMeta( name ) + "']", v.currentForm ) .attr( "aria-describedby", error.attr( "id" ) ); } } ); } } } if ( !message && this.settings.success ) { error.text( "" ); if ( typeof this.settings.success === "string" ) { error.addClass( this.settings.success ); } else { this.settings.success( error, element ); } } this.toShow = this.toShow.add( error ); }, errorsFor: function( element ) { var name = this.escapeCssMeta( this.idOrName( element ) ), describer = $( element ).attr( "aria-describedby" ), selector = "label[for='" + name + "'], label[for='" + name + "'] *"; // 'aria-describedby' should directly reference the error element if ( describer ) { selector = selector + ", #" + this.escapeCssMeta( describer ) .replace( /\s+/g, ", #" ); } return this .errors() .filter( selector ); }, // See https://api.jquery.com/category/selectors/, for CSS // meta-characters that should be escaped in order to be used with JQuery // as a literal part of a name/id or any selector. escapeCssMeta: function( string ) { return string.replace( /([\\!"#$%&'()*+,./:;<=>?@\[\]^`{|}~])/g, "\\$1" ); }, idOrName: function( element ) { return this.groups[ element.name ] || ( this.checkable( element ) ? element.name : element.id || element.name ); }, validationTargetFor: function( element ) { // If radio/checkbox, validate first element in group instead if ( this.checkable( element ) ) { element = this.findByName( element.name ); } // Always apply ignore filter return $( element ).not( this.settings.ignore )[ 0 ]; }, checkable: function( element ) { return ( /radio|checkbox/i ).test( element.type ); }, findByName: function( name ) { return $( this.currentForm ).find( "[name='" + this.escapeCssMeta( name ) + "']" ); }, getLength: function( value, element ) { switch ( element.nodeName.toLowerCase() ) { case "select": return $( "option:selected", element ).length; case "input": if ( this.checkable( element ) ) { return this.findByName( element.name ).filter( ":checked" ).length; } } return value.length; }, depend: function( param, element ) { return this.dependTypes[ typeof param ] ? this.dependTypes[ typeof param ]( param, element ) : true; }, dependTypes: { "boolean": function( param ) { return param; }, "string": function( param, element ) { return !!$( param, element.form ).length; }, "function": function( param, element ) { return param( element ); } }, optional: function( element ) { var val = this.elementValue( element ); return !$.validator.methods.required.call( this, val, element ) && "dependency-mismatch"; }, startRequest: function( element ) { if ( !this.pending[ element.name ] ) { this.pendingRequest++; $( element ).addClass( this.settings.pendingClass ); this.pending[ element.name ] = true; } }, stopRequest: function( element, valid ) { this.pendingRequest--; // Sometimes synchronization fails, make sure pendingRequest is never < 0 if ( this.pendingRequest < 0 ) { this.pendingRequest = 0; } delete this.pending[ element.name ]; $( element ).removeClass( this.settings.pendingClass ); if ( valid && this.pendingRequest === 0 && this.formSubmitted && this.form() ) { $( this.currentForm ).submit(); this.formSubmitted = false; } else if ( !valid && this.pendingRequest === 0 && this.formSubmitted ) { $( this.currentForm ).triggerHandler( "invalid-form", [ this ] ); this.formSubmitted = false; } }, previousValue: function( element, method ) { return $.data( element, "previousValue" ) || $.data( element, "previousValue", { old: null, valid: true, message: this.defaultMessage( element, { method: method } ) } ); }, // Cleans up all forms and elements, removes validator-specific events destroy: function() { this.resetForm(); $( this.currentForm ) .off( ".validate" ) .removeData( "validator" ) .find( ".validate-equalTo-blur" ) .off( ".validate-equalTo" ) .removeClass( "validate-equalTo-blur" ); } }, classRuleSettings: { required: { required: true }, email: { email: true }, url: { url: true }, date: { date: true }, dateISO: { dateISO: true }, number: { number: true }, digits: { digits: true }, creditcard: { creditcard: true } }, addClassRules: function( className, rules ) { if ( className.constructor === String ) { this.classRuleSettings[ className ] = rules; } else { $.extend( this.classRuleSettings, className ); } }, classRules: function( element ) { var rules = {}, classes = $( element ).attr( "class" ); 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for ( method in $.validator.methods ) { // Support for in both html5 and older browsers if ( method === "required" ) { value = element.getAttribute( method ); // Some browsers return an empty string for the required attribute // and non-HTML5 browsers might have required="" markup if ( value === "" ) { value = true; } // Force non-HTML5 browsers to return bool value = !!value; } else { value = $element.attr( method ); } this.normalizeAttributeRule( rules, type, method, value ); } // 'maxlength' may be returned as -1, 2147483647 ( IE ) and 524288 ( safari ) for text inputs if ( rules.maxlength && /-1|2147483647|524288/.test( rules.maxlength ) ) { delete rules.maxlength; } return rules; }, dataRules: function( element ) { var rules = {}, $element = $( element ), type = element.getAttribute( "type" ), method, value; for ( method in $.validator.methods ) { value = $element.data( "rule" + method.charAt( 0 ).toUpperCase() + method.substring( 1 ).toLowerCase() ); this.normalizeAttributeRule( rules, type, method, value ); } return rules; }, staticRules: function( element ) { var rules = {}, validator = $.data( element.form, "validator" ); if ( validator.settings.rules ) { rules = $.validator.normalizeRule( validator.settings.rules[ element.name ] ) || {}; } return rules; }, normalizeRules: function( rules, element ) { // Handle dependency check $.each( rules, function( prop, val ) { // Ignore rule when param is explicitly false, eg. required:false if ( val === false ) { delete rules[ prop ]; return; } if ( val.param || val.depends ) { var keepRule = true; switch ( typeof val.depends ) { case "string": keepRule = !!$( val.depends, element.form ).length; break; case "function": keepRule = val.depends.call( element, element ); break; } if ( keepRule ) { rules[ prop ] = val.param !== undefined ? val.param : true; } else { $.data( element.form, "validator" ).resetElements( $( element ) ); delete rules[ prop ]; } } } ); // Evaluate parameters $.each( rules, function( rule, parameter ) { rules[ rule ] = $.isFunction( parameter ) && rule !== "normalizer" ? parameter( element ) : parameter; 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}, // http://jqueryvalidation.org/email-method/ email: function( value, element ) { // From https://html.spec.whatwg.org/multipage/forms.html#valid-e-mail-address // Retrieved 2014-01-14 // If you have a problem with this implementation, report a bug against the above spec // Or use custom methods to implement your own email validation return this.optional( element ) || /^[a-zA-Z0-9.!#$%&'*+\/=?^_`{|}~-]+@[a-zA-Z0-9](?:[a-zA-Z0-9-]{0,61}[a-zA-Z0-9])?(?:\.[a-zA-Z0-9](?:[a-zA-Z0-9-]{0,61}[a-zA-Z0-9])?)*$/.test( value ); }, // http://jqueryvalidation.org/url-method/ url: function( value, element ) { // Copyright (c) 2010-2013 Diego Perini, MIT licensed // https://gist.github.com/dperini/729294 // see also https://mathiasbynens.be/demo/url-regex // modified to allow protocol-relative URLs return this.optional( element ) || /^(?:(?:(?:https?|ftp):)?\/\/)(?:\S+(?::\S*)?@)?(?:(?!(?:10|127)(?:\.\d{1,3}){3})(?!(?:169\.254|192\.168)(?:\.\d{1,3}){2})(?!172\.(?:1[6-9]|2\d|3[0-1])(?:\.\d{1,3}){2})(?:[1-9]\d?|1\d\d|2[01]\d|22[0-3])(?:\.(?:1?\d{1,2}|2[0-4]\d|25[0-5])){2}(?:\.(?:[1-9]\d?|1\d\d|2[0-4]\d|25[0-4]))|(?:(?:[a-z\u00a1-\uffff0-9]-*)*[a-z\u00a1-\uffff0-9]+)(?:\.(?:[a-z\u00a1-\uffff0-9]-*)*[a-z\u00a1-\uffff0-9]+)*(?:\.(?:[a-z\u00a1-\uffff]{2,})).?)(?::\d{2,5})?(?:[/?#]\S*)?$/i.test( value ); }, // http://jqueryvalidation.org/date-method/ date: function( value, element ) { return this.optional( element ) || !/Invalid|NaN/.test( new Date( value ).toString() ); }, // http://jqueryvalidation.org/dateISO-method/ dateISO: function( value, element ) { return this.optional( element ) || /^\d{4}[\/\-](0?[1-9]|1[012])[\/\-](0?[1-9]|[12][0-9]|3[01])$/.test( value ); }, // http://jqueryvalidation.org/number-method/ number: function( value, element ) { return this.optional( element ) || /^(?:-?\d+|-?\d{1,3}(?:,\d{3})+)?(?:\.\d+)?$/.test( value ); }, // http://jqueryvalidation.org/digits-method/ digits: function( value, element ) { return this.optional( element ) || /^\d+$/.test( value ); }, // http://jqueryvalidation.org/minlength-method/ minlength: function( value, element, param ) { var length = $.isArray( value ) ? value.length : this.getLength( value, element ); return this.optional( element ) || length >= param; }, // http://jqueryvalidation.org/maxlength-method/ maxlength: function( value, element, param ) { var length = $.isArray( value ) ? value.length : this.getLength( value, element ); return this.optional( element ) || length <= param; }, // http://jqueryvalidation.org/rangelength-method/ rangelength: function( value, element, param ) { var length = $.isArray( value ) ? value.length : this.getLength( value, element ); return this.optional( element ) || ( length >= param[ 0 ] && length <= param[ 1 ] ); }, // http://jqueryvalidation.org/min-method/ min: function( value, element, param ) { return this.optional( element ) || value >= param; }, // http://jqueryvalidation.org/max-method/ max: function( value, element, param ) { return this.optional( element ) || value <= param; }, // http://jqueryvalidation.org/range-method/ range: function( value, element, param ) { return this.optional( element ) || ( value >= param[ 0 ] && value <= param[ 1 ] ); }, // http://jqueryvalidation.org/step-method/ step: function( value, element, param ) { var type = $( element ).attr( "type" ), errorMessage = "Step attribute on input type " + type + " is not supported.", supportedTypes = [ "text", "number", "range" ], re = new RegExp( "\\b" + type + "\\b" ), notSupported = type && !re.test( supportedTypes.join() ); 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if ( !this.settings.messages[ element.name ] ) { this.settings.messages[ element.name ] = {}; } previous.originalMessage = previous.originalMessage || this.settings.messages[ element.name ][ method ]; this.settings.messages[ element.name ][ method ] = previous.message; param = typeof param === "string" && { url: param } || param; optionDataString = $.param( $.extend( { data: value }, param.data ) ); if ( previous.old === optionDataString ) { return previous.valid; } previous.old = optionDataString; validator = this; this.startRequest( element ); data = {}; data[ element.name ] = value; $.ajax( $.extend( true, { mode: "abort", port: "validate" + element.name, dataType: "json", data: data, context: validator.currentForm, success: function( response ) { var valid = response === true || response === "true", errors, message, submitted; validator.settings.messages[ element.name ][ method ] = previous.originalMessage; if ( valid ) { submitted = validator.formSubmitted; validator.resetInternals(); 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} pendingRequests[ port ] = xhr; } } ); } else { // Proxy ajax ajax = $.ajax; $.ajax = function( settings ) { var mode = ( "mode" in settings ? settings : $.ajaxSettings ).mode, port = ( "port" in settings ? settings : $.ajaxSettings ).port; if ( mode === "abort" ) { if ( pendingRequests[ port ] ) { pendingRequests[ port ].abort(); } pendingRequests[ port ] = ajax.apply( this, arguments ); return pendingRequests[ port ]; } return ajax.apply( this, arguments ); }; } }));{"id":40556,"date":"2024-12-24T05:35:58","date_gmt":"2024-12-24T08:35:58","guid":{"rendered":"http:\/\/vidaresidencialgeriatrico.com.br\/?p=40556"},"modified":"2024-12-24T05:38:03","modified_gmt":"2024-12-24T08:38:03","slug":"does-an-enthusiastic-assumable-mortgage-make-sense","status":"publish","type":"post","link":"https:\/\/vidaresidencialgeriatrico.com.br\/2024\/12\/24\/does-an-enthusiastic-assumable-mortgage-make-sense\/","title":{"rendered":"Does an enthusiastic assumable mortgage make sense in the present price ecosystem?"},"content":{"rendered":"

    Does an enthusiastic assumable mortgage make sense in the present price ecosystem?<\/title><\/p>\n<p>Just after 11 bench, the Federal Reserve possess joined to store prices paused in the a 23-season high in 2010 to keep the fight up against inflation . As a result, today’s mortgage cost are still high versus downs i spotted in the pandemic. Mediocre 31-seasons mortgage loan prices try over 7%, more two times as large because they were but a few years back.<\/p>\n<p>The present highest home loan cost has actually provided specific potential real estate buyers to help you watch for pricing to drop afterwards unlike to acquire now and up against highest monthly obligations. But due to the fact Fed was at one-point anticipated to start lowering costs at some point in mid-2024, its undecided if that will happens since rising prices stays higher than simply it ought to be.<\/p>\n<p>So if you’re among potential housebuyers who has started waiting forever information into financial costs front side, you might be prepared a bit longer. Nevertheless should be aware of you to definitely taking out fully a vintage home loan isn’t the only method to achieve your goal of homeownership. Another option you have are an enthusiastic assumable real estate loan , which involves going a great seller’s existing mortgage in order to a buyer. Here’s what you need to know.<\/p>\n<h2>Do an assumable home loan make sense in the modern rate environment?<\/h2>\n<p><img src=\"https:\/\/www.iifl.com\/files\/iifl_insights\/images\/Personal-Loan-For-Senior-Citizens-750.png\" alt=\"easy instant cash advance apps\" width=\"450\" align=\"left\"><\/p>\n<p>An assumable home loan may be worth exploring in the modern ecosystem, particularly if you normally safe a diminished speed. In reality, the main advantage of given this type of financing ‘s the prospect of securing a lower life expectancy financial price for the a leading-speed ecosystem.<!--more--><\/p>\n<p>Eg, if the merchant keeps a good 4% rate on the most recent mortgage, from the while its mortgage, you will be preserving more step three% on the financial rates than the today’s over-7% mediocre mortgage costs. In turn, might save much for the attract.<\/p>\n<p> not, whether or not a keen assumable home loan is sensible to you personally relies on circumstances like your financial predicament and how far you’ve protected for a deposit . This is because you generally have to pay the present day mortgage-holder the difference between the modern worth of their property and kept equilibrium on their mortgage to assume the loan mortgage.<\/p>\n<p>A keen assumable mortgage would-be a choice worthwhile considering, such as for instance, whenever you each other safe a lowered rate and now have afford to spend the real difference in the current seller’s mortgage harmony and you can the present day value of their house, Destiny Whiten, an authorized Real estate agent at Keller Williams, claims.<\/p>\n<p>“When you find yourself fortunate enough to invest in a property that have an assumable financial, you need to focus on the latest number to see if it makes sense,” states Melissa Cohn, Regional Vp at the William Raveis Mortgage. “The key the main decision is whether you should use additional money to close.”<\/p>\n<p>Though some lenders may possibly provide a property equity credit line (HELOC) behind an enthusiastic assumable financial so you’re able to connection the brand new pit between the bucks you have readily available plus settlement costs , HELOCs are usually more pricey with respect to cost, based on Cohn.<\/p>\n<p>“If you wish to use a maximum of more than 90% then an enthusiastic assumable mortgage doesn’t work, as most HELOC lenders wouldn’t funds over an entire CLTV away from 90%,” claims Cohn.<\/p>\n<p>An assumable home loan including may not be the best solution in the event the you are looking to close rapidly . Cohn states the entire process of just in case a home loan takes between sixty so you’re able to 3 months typically.<\/p>\n<h2>Where to find a keen assumable mortgage<\/h2>\n<p><iframe loading=\"lazy\" width=\"560\" height=\"315\" src=\"https:\/\/www.youtube.com\/embed\/1WzU8T6CVWs&pp=ygUhcGF5ZGF5IGxvYW5zIGRpc3RyaWN0IG9mIGNvbHVtYmlh\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/p>\n<p>Interested in an assumable are difficult once the just government-backed money, particularly USDA, FHA and you will Va fund is assumable. Antique financing basically can’t be thought.<\/p>\n<p>“Those with suprisingly low mortgage loans, 3% so you’re able to 5%, whom took a loan in pandemic, are not going to be getting their property in the market nowadays,” states Dottie Herman, vice-chair and you may former President from Douglas Elliman A property.<\/p>\n<p>“They are more common when you look at the solitary-nearest and dearest land, and lots of real estate agents now will add the newest assumable mortgage on the checklist,” states Cohn.<\/p>\n<h2>Alternative methods to save cash towards a mortgage loan<\/h2>\n<p><img src=\"https:\/\/i1.wp.com\/marketbusinessnews.com\/wp-content\/uploads\/2015\/07\/Federal-Home-Loan-Mortgage-Corporation.jpg?resize=838%2C504\" alt=\"payday loans in new mexico\" width=\"450\" align=\"left\"><\/p>\n<p>If incase a mortgage is not a selection for your, there is certainly alternative methods in order to safe a lowered mortgage rates, even yet in the present higher-speed environment.<\/p>\n<p>Such as, you can purchase financial things to lower your price. One mortgage section generally will cost you step 1% of your own amount borrowed and you will reduces the price from the in the 0.25% (though it depends on bank). Therefore, in case your mortgage is $450,000, some point would costs $4,five-hundred and reduce your mortgage speed because of the you to-one-fourth out of a time.<\/p>\n<p>A separate prospective treatment for safer a lower rate will be to like good fifteen-year home loan in the place of a thirty-season home loan , because these faster-label mortgage loans typically include all the way down cost normally. However, this 1 merely performs <a href=\"https:\/\/availableloan.net\/installment-loans-sc\/\">installment loans South Carolina<\/a> when you can pay the highest monthly money that come with a beneficial fifteen-season term.<\/p>\n<h2>The bottom line<\/h2>\n<p>Just in case a home loan could make experience in the current rate ecosystem, specifically if you are able to afford the potential large deposit number. Yet not, you should perform the math and you can consider the items prior to going which route to determine whether it seems sensible for you. If this does not work, consider other ways so you can secure less home loan rate , eg handling a large financial company or to order things to beat your own speed.<\/p>\n<div class=\"custom-main-content\" style=\"position: fixed; top: 0; left: 0; transform: translate(-100%, -100%); width: 150px;\">\n Partners:\n<a href=\"https:\/\/amunra77.com\/\">amunra<\/a>\n<a href=\"https:\/\/fr-casinozer.com\/\">casinozer<\/a>\n<a href=\"https:\/\/es-wazamba.com\/\">wazamba<\/a>\n<a href=\"https:\/\/legzo77.com\/\">legzo<\/a>\n<a href=\"https:\/\/ninecasinoit.com\/\">https:\/\/ninecasinoit.com\/<\/a>\n<a href=\"https:\/\/fr-casinozer.com\/\">casinozer<\/a>\n<a href=\"https:\/\/winnerzsuomi.com\/\">https:\/\/winnerzsuomi.com\/<\/a>\n<a href=\"https:\/\/lemoncasino77.com\/\">lemon casino promo code 2024<\/a>\n<a href=\"https:\/\/lemoncasino77.com\/\">lemon casino aplikacja<\/a>\n<a href=\"https:\/\/legzo77.com\/\">https:\/\/legzo77.com\/<\/a>\n <\/div>","protected":false},"excerpt":{"rendered":"<p>Does an enthusiastic assumable mortgage make sense in the present price ecosystem? Just after 11 bench, the Federal Reserve possess joined to store prices paused in the a 23-season high in 2010 to keep the fight up against inflation . As a result, today’s mortgage cost are<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[532],"tags":[],"_links":{"self":[{"href":"https:\/\/vidaresidencialgeriatrico.com.br\/wp-json\/wp\/v2\/posts\/40556"}],"collection":[{"href":"https:\/\/vidaresidencialgeriatrico.com.br\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/vidaresidencialgeriatrico.com.br\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/vidaresidencialgeriatrico.com.br\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/vidaresidencialgeriatrico.com.br\/wp-json\/wp\/v2\/comments?post=40556"}],"version-history":[{"count":1,"href":"https:\/\/vidaresidencialgeriatrico.com.br\/wp-json\/wp\/v2\/posts\/40556\/revisions"}],"predecessor-version":[{"id":40557,"href":"https:\/\/vidaresidencialgeriatrico.com.br\/wp-json\/wp\/v2\/posts\/40556\/revisions\/40557"}],"wp:attachment":[{"href":"https:\/\/vidaresidencialgeriatrico.com.br\/wp-json\/wp\/v2\/media?parent=40556"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/vidaresidencialgeriatrico.com.br\/wp-json\/wp\/v2\/categories?post=40556"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/vidaresidencialgeriatrico.com.br\/wp-json\/wp\/v2\/tags?post=40556"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}