//等额本息计算
benxi: function (type, num, year, lilv) {
//每月月供额=〔贷款本金×月利率×(1＋月利率)＾还款月数〕÷〔(1＋月利率)＾还款月数-1〕
var mouth = parseInt(year) * 12,
mouthlilv = parseFloat(lilv) / 12,
dknum = parseFloat(num) * 10000;
//每月月供
var yuegong = (dknum * mouthlilv * Math.pow((1 + mouthlilv), mouth)) / (Math.pow((1 + mouthlilv), mouth) - 1);
//总利息=还款月数×每月月供额-贷款本金
var totalLixi = mouth * yuegong - dknum;
//还款总额 总利息+贷款本金
var totalPrice = totalLixi + dknum,
leftFund = totalLixi + dknum;
//循环月份
var mouthdataArray = [],
nowmouth = new Date().getMonth(),
realmonth = 0;
for (var i = 1; i <= mouth; i++) {
realmonth = nowmouth + i;
var yearlist = Math.floor(i / 12);
realmonth = realmonth - 12 * yearlist;
if (realmonth > 12) {
realmonth = realmonth - 12
}
//console.log(realmonth)
//每月应还利息=贷款本金×月利率×〔(1+月利率)^还款月数-(1+月利率)^(还款月序号-1)〕÷〔(1+月利率)^还款月数-1〕
var yuelixi = dknum * mouthlilv * (Math.pow((1 + mouthlilv), mouth) - Math.pow((1 + mouthlilv), i - 1)) / (Math.pow((1 + mouthlilv), mouth) - 1);
//每月应还本金=贷款本金×月利率×(1+月利率)^(还款月序号-1)÷〔(1+月利率)^还款月数-1〕
var yuebenjin = dknum * mouthlilv * Math.pow((1 + mouthlilv), i - 1) / (Math.pow((1 + mouthlilv), mouth) - 1);
leftFund = leftFund - (yuelixi + yuebenjin);
if (leftFund < 0) {
leftFund = 0
}
mouthdataArray[i - 1] = {
monthName: realmonth + "月",
yuelixi: yuelixi,
yuebenjin: yuebenjin,
//剩余还款
leftFund: leftFund
}
}
return {
yuegong: yuegong,
totalLixi: totalLixi,
totalPrice: totalPrice,
mouthdataArray: mouthdataArray,
totalDknum: num,
year: year
};
},
//等额本金计算
benjin: function (type, num, year, lilv) {
var mouth = parseInt(year) * 12,
mouthlilv = parseFloat(lilv) / 12,
dknum = parseFloat(num) * 10000,
yhbenjin = 0; //首月还款已还本金金额是0
//每月应还本金=贷款本金÷还款月数
var everymonthyh = dknum / mouth
//每月月供额=(贷款本金÷还款月数)+(贷款本金-已归还本金累计额)×月利率
var yuegong = everymonthyh + (dknum - yhbenjin) * mouthlilv;
//每月月供递减额=每月应还本金×月利率=贷款本金÷还款月数×月利率
var yuegongdijian = everymonthyh * mouthlilv;
//总利息=〔(总贷款额÷还款月数+总贷款额×月利率)+总贷款额÷还款月数×(1+月利率)〕÷2×还款月数-总贷款额
var totalLixi = ((everymonthyh + dknum * mouthlilv) + dknum / mouth * (1 + mouthlilv)) / 2 * mouth - dknum;
//还款总额 总利息+贷款本金
var totalPrice = totalLixi + dknum,
leftFund = totalLixi + dknum;
//循环月份
var mouthdataArray = [],
nowmouth = new Date().getMonth(),
realmonth = 0;
for (var i = 1; i <= mouth; i++) {
realmonth = nowmouth + i;
var yearlist = Math.floor(i / 12);
realmonth = realmonth - 12 * yearlist;
if (realmonth > 12) {
realmonth = realmonth - 12
}
yhbenjin = everymonthyh * (i - 1);
var yuebenjin = everymonthyh + (dknum - yhbenjin) * mouthlilv;
//每月应还利息=剩余本金×月利率=(贷款本金-已归还本金累计额)×月利率
var yuelixi = (dknum - yhbenjin) * mouthlilv;
leftFund = leftFund - yuebenjin;
if (leftFund < 0) {
leftFund = 0
}
mouthdataArray[i - 1] = {
monthName: realmonth + "月",
yuelixi: yuelixi,
//每月本金
yuebenjin: everymonthyh,
//剩余还款
leftFund: leftFund
}
}
return {
yuegong: yuegong,
totalLixi: totalLixi,
totalPrice: totalPrice,
yuegongdijian: yuegongdijian,
mouthdataArray: mouthdataArray,
totalDknum: num,
year: year
}
}
