diff --git a/htdocs/langs/en_US/loan.lang b/htdocs/langs/en_US/loan.lang
index 056ce1d0b48..98a7fb4ed93 100644
--- a/htdocs/langs/en_US/loan.lang
+++ b/htdocs/langs/en_US/loan.lang
@@ -28,11 +28,21 @@ ExplainCalculations=Explain Calculations
 ShowMeCalculationsAndAmortization=Show me the calculations and amortization
 MortgagePaymentInformation=Mortgage Payment Information
 DownPayment=Down Payment
+DownPaymentDesc=The <b>down payment</b> = The price of the home multiplied by the percentage down divided by 100 (for 5% down becomes 5/100 or 0.05)
+InterestRateDesc=The <b>interest rate</b> = The annual interest percentage divided by 100
+MonthlyFactorDesc=The <b>monthly factor</b> = The result of the following formula
+MonthlyInterestRateDesc=The <b>monthly interest rate</b> = The annual interest rate divided by 12 (for the 12 months in a year)
+MonthTermDesc=The <b>month term</b> of the loan in months = The number of years you've taken the loan out for times 12
+MonthlyPaymentDesc=The montly payment is figured out using the following formula
+AmortizationPaymentDesc=The <a href="#amortization">amortization</a> breaks down how much of your monthly payment goes towards the bank's interest, and how much goes into paying off the principal of your loan.
 AmountFinanced=Amount Financed
 AmortizationMonthlyPaymentOverYears=Amortization For Monthly Payment: <b>%s</b> over %s years
 Totalsforyear=Totals for year
 MonthlyPayment=Monthly Payment
 LoanCalcDesc=This <b>mortgage calculator</b> can be used to figure out monthly payments of a home mortgage loan, based on the home's sale price, the term of the loan desired, buyer's down payment percentage, and the loan's interest rate.<br> This calculator factors in PMI (Private Mortgage Insurance) for loans where less than 20% is put as a down payment. Also taken into consideration are the town property taxes, and their effect on the total monthly mortgage payment.<br>
+GoToInterest=%s will go towards INTEREST
+GoToPrincipal=%s will go towards PRINCIPAL
+YouWillSpend=You will spend %s on your house in year %s
 # Admin
 ConfigLoan=Configuration of the module loan
 LOAN_ACCOUNTING_ACCOUNT_CAPITAL=Accountancy code capital by default
diff --git a/htdocs/loan/calc.php b/htdocs/loan/calc.php
index 06b62231a67..bb6fe9451b6 100644
--- a/htdocs/loan/calc.php
+++ b/htdocs/loan/calc.php
@@ -255,48 +255,46 @@ if ($form_complete && $show_progress) {
 	print '<tr valign="top">';
 	print '<td><b>'. $step++ .'</b></td>';
 	print '<td>';
-	echo 'The <b>down payment</b>
-         = The price of the home multiplied by the percentage down divided by 100 (for 5% down becomes 5/100 or 0.05)<br><br>
-         ' . number_format($down_payment,"2",".",",") . ' ' . $langs->trans("Currency".$conf->currency) . ' = '.number_format($sale_price,"2",".",",") . ' ' . $langs->trans("Currency".$conf->currency) . ' X
-         ('.$down_percent.' / 100)';
+	print $langs->trans('DownPaymentDesc').'<br><br>';
+    print number_format($down_payment,"2",".",",") . ' ' . $langs->trans("Currency".$conf->currency) . ' = ';
+    print number_format($sale_price,"2",".",",") . ' ' . $langs->trans("Currency".$conf->currency) . ' X (' . $down_percent . ' / 100)';
 	print '</td>';
 	print '</tr>';
 	print '<tr valign="top">';
 	print '<td><b>' . $step++ . '</b></td>';
 	print '<td>';
-	print 'The <b>interest rate</b> = The annual interest percentage divided by 100<br><br>';
+	print $langs->trans('InterestRateDesc') . '<br><br>';
 	print $annual_interest_rate . ' = ' . $annual_interest_percent . '% / 100';
 	print '</td>';
 	print '</tr>';
 	print '<tr valign="top" bgcolor="#cccccc">';
 	print '<td colspan="2">';
-	print 'The <b>monthly factor</b> = The result of the following formula:';
+	print $langs->trans('MonthlyFactorDesc') . ':';
 	print '</td>';
 	print '</tr>';
 	print '<tr valign="top">';
 	print '<td><b>' . $step++ . '</b></td>';
 	print '<td>';
-	print 'The <b>monthly interest rate</b> = The annual interest rate divided by 12 (for the 12 months in a year)<br><br>';
+	print $langs->trans('MonthlyInterestRateDesc') . '<br><br>';
 	print $monthly_interest_rate . ' = ' . $annual_interest_rate . ' / 12';
 	print '</td>';
 	print '</tr>';
 	print '<tr valign="top">';
 	print '<td><b>' . $step++ . '</b></td>';
 	print '<td>';
-	print 'The <b>month term</b> of the loan in months = The number of years you\'ve taken the loan out for times 12<br><br>';
-	print $month_term . ' Months = ' . $year_term . ' Years X 12';
+	print $langs->trans('MonthTermDesc') . '<br><br>';
+	print $month_term . ' '. $langs->trans('Months') . ' = ' . $year_term . ' '. $langs->trans('Years') . ' X 12';
 	print '</td>';
 	print '</tr>';
 	print '<tr valign="top">';
 	print '<td><b>' . $step++ . '</b></td>';
 	print '<td>';
-	print 'The montly payment is figured out using the following formula:<br>';
+	print $langs->trans('MonthlyPaymentDesc') . ':<br>';
 	print $langs->trans('MonthlyPayment').' = ' . number_format($financing_price, "2", "", "") . ' * ';
 	print '(1 - ((1 + ' . number_format($monthly_interest_rate, "4", "", "") . ')';
 	print '<sup>-(' . $month_term . ')</sup>)))';
 	print '<br><br>';
-	print 'The <a href="#amortization">amortization</a> breaks down how much of your monthly payment goes towards the bank\'s interest,';
-	print 'and how much goes into paying off the principal of your loan.';
+	print $langs->trans('AmortizationPaymentDesc');
 	print '</td>';
 	print '</tr>';
 	print '</table>';
@@ -357,9 +355,9 @@ if ($form_complete && $show_progress) {
 			print '<tr>';
 			print '<td>&nbsp;</td>';
 			print '<td colspan="3">';
-			print 'You will spend ' . number_format($total_spent_this_year, "2", ".", ",") . ' ' . $langs->trans("Currency".$conf->currency) . ' on your house in year ' . $current_year . '<br>';
-			print number_format($this_year_interest_paid, "2", ".", ",") . ' ' . $langs->trans("Currency".$conf->currency) . ' will go towards INTEREST<br>';
-			print number_format($this_year_principal_paid, "2", ".", ",") . ' ' . $langs->trans("Currency".$conf->currency) . ' will go towards PRINCIPAL<br>';
+			print $langs->trans('YouWillSpend', number_format($total_spent_this_year, "2", ".", ",") . ' ' . $langs->trans("Currency".$conf->currency), $current_year) . '<br>';
+			print $langs->trans('GoToInterest', number_format($this_year_interest_paid, "2", ".", ",") . ' ' . $langs->trans("Currency".$conf->currency)) . '<br>';
+			print $langs->trans('GoToPrincipal', number_format($this_year_principal_paid, "2", ".", ",") . ' ' . $langs->trans("Currency".$conf->currency)) . '<br>';
 			print '</td>';
 			print '</tr>';