PHP房贷计算器代码，等额本息，等额本金

Posted 2021-01-27 .Net C#相关记录和学习笔记的共享.支持开源

debx();  
      
    function debx()  
    {  
        $dkm     = 240; //贷款月数，20年就是240个月  
        $dkTotal = 10000; //贷款总额  
        $dknl    = 0.0515;  //贷款年利率  
        $emTotal = $dkTotal * $dknl / 12 * pow(1 + $dknl / 12, $dkm) / (pow(1 + $dknl / 12, $dkm) - 1); //每月还款金额  
        $lxTotal = 0; //总利息  
        for ($i = 0; $i < $dkm; $i++) {  
            $lx      = $dkTotal * $dknl / 12;   //每月还款利息  
            $em      = $emTotal - $lx;  //每月还款本金  
            echo "第" . ($i + 1) . "期", " 本金:", $em, " 利息:" . $lx, " 总额:" . $emTotal, "<br />";  
            $dkTotal = $dkTotal - $em;  
            $lxTotal = $lxTotal + $lx;  
        }  
        echo "总利息:" . $lxTotal;  
    }  
      
      
    function debj()  
    {  
        $dkm     = 240; //贷款月数，20年就是240个月  
        $dkTotal = 10000; //贷款总额  
        $dknl    = 0.0515;  //贷款年利率  
           
        $em      = $dkTotal / $dkm; //每个月还款本金  
        $lxTotal = 0; //总利息  
        for ($i = 0; $i < $dkm; $i++) {  
            $lx      = $dkTotal * $dknl / 12; //每月还款利息  
            echo "第" . ($i + 1) . "期", " 本金:", $em, " 利息:" . $lx, " 总额:" . ($em + $lx), "<br />";  
            $dkTotal -= $em;  
            $lxTotal = $lxTotal + $lx;  
        }  
        echo "总利息:" . $lxTotal;  
    }  
      
      
    exit;

 

 

JS

define(function(require, exports, module) {
    require(‘jquery‘);
    alertM = require(‘alert‘);
    require(‘househighcharts‘);
        
    
    //15年3月1日利率
    /*var lilv_array = new Array;
    lilv_array[31] = new Array;
    lilv_array[31][1] = new Array;
    lilv_array[31][2] = new Array;
    lilv_array[31][1][5] = 0.0575;//商贷 1～5年 5.75%
    lilv_array[31][1][10] = 0.0590;//商贷 5-30年 5.9%
    lilv_array[31][2][5] = 0.0350;//公积金 1～5年 3.5%
    lilv_array[31][2][10] = 0.0400;//公积金 5-30年 4.0%*/



    var lilv_array = new Array;
    lilv_array[31] = new Array;
    lilv_array[31][1] = new Array;
    lilv_array[31][2] = new Array;
    lilv_array[31][1][5] = 0.069;//商贷 1～5年 5.75%
    lilv_array[31][1][10] = 0.0705;//商贷 5-30年 5.9%
    lilv_array[31][2][5] = 0.0350;//公积金 1～5年 3.5%
    lilv_array[31][2][10] = 0.0400;//公积金 5-30年 4.0%
    
    //弹出下拉框
    $(".xf-select").click(function(){
        $(".xf-select").css({zIndex:1});
        $(".xf-select ul").hide();
        $(this).css({zIndex:999});
        if($("ul",this).is(":visible")){
            $("ul",this).hide();
        }else{
            $("ul",this).show();
        }
        return false;
    });
    
    
    
    $("body").click(function(){$(".xf-select ul").hide();});
    
    var junjia,zongjia,anjie,daikuan,shoufu;
    
    
    
    //下拉框选项单击事件
    $(".xf-select ul li").mouseenter(function(){
        $(this).addClass("on");
    }).mouseleave(function(){
        $(this).removeClass("on");
    }).click(function(){
        $(this).parent().prev().find("span").text($(this).text());
        $(this).parent().prev().find("input").val($(this).data("code"));
        $(this).parent().hide();
        
        //贷款总额
        junjia = $("#zongjia").data("junjia");
        zongjia = Math.round($("#housetype").val() * junjia / 10000);
        anjie = $("#val_loanratio").val();

        //填充总价格
        $("#label_price").html("<p><strong>"+ zongjia +"</strong>万元<span>（均价<em>"+ junjia +"</em>元/m2）</span></p>");
        
        daikuan = Math.round(anjie/100*zongjia);
        shoufu = zongjia - daikuan;

        $("#label_totalprice").html("（贷款总额"+daikuan+"万）");
        
        if($("#val_loantype").val() == 3){
            $("#content_scale").removeClass("none");
        }else{
            $("#content_scale").addClass("none");
        }
        return false;
    });
    
    
    
    
    //本息还款的月还款额(参数: 年利率/贷款总额/贷款总月份)
    function getMonthMoney(lilv,total,month){
        var lilv_month = lilv / 12;//月利率
        return total * lilv_month * Math.pow(1 + lilv_month, month) / ( Math.pow(1 + lilv_month, month) -1 );
    }
    
    
    //验证是否为数字
    function reg_Num(str){
        if (str.length==0){return false;}
        var Letters = "1234567890.";
    
        for (i=0;i<str.length;i++){
            var CheckChar = str.charAt(i);
            if (Letters.indexOf(CheckChar) == -1){return false;}
        }
        return true;
    }



    function jisuan(){
        junjia = $("#zongjia").data("junjia");
        zongjia = Math.round($("#housetype").val() * junjia / 10000);
        anjie = $("#val_loanratio").val();

        //填充总价格
        $("#label_price").html("<p><strong>"+ zongjia +"</strong>万元<span>（均价<em>"+ junjia +"</em>元/m2）</span></p>");
        
        daikuan = Math.round(anjie/100*zongjia);
        shoufu = zongjia - daikuan;

        
        //商业贷款、住房公积金贷款、组合贷款
        var loantype = $("#val_loantype").val(); 
        
        
        //贷款年数，5年 | 5年以上
        var years = $("#val_loanmonth").val() < 5 ? 5 : 10;
        
        //还款期数
        var month = $("#val_loanmonth").val() * 12; 
        
        
        var yuehuankuan,lixi;
        if(loantype < 3){
            //商业&公积金贷款

            //月还款
            yuehuankuan = Math.round(getMonthMoney(lilv_array[31][loantype][years],daikuan,month)*10000); //月还款
            
            //应还利息
            lixi = Math.round(yuehuankuan * month / 10000 - daikuan); 
        }else{
            //组合贷款
            
            var lilv_sd = lilv_array[31][1][years]; //得到商贷利率
            var lilv_gjj = lilv_array[31][2][years]; //得到公积金利率
            
            var daikuan_sy = $("#val_loanbussiness").val(); //商业性贷款总额
            var daikuan_gjj = $("#val_loanfund").val(); //公积金贷款总额
            
            if(daikuan_gjj == ""){
                $("#gjjtip").removeClass("none");
                return;
            }else if(daikuan_sy == ""){
                $("#sdtip").removeClass("none");
                return;
            }else if(!reg_Num(daikuan_sy) || !reg_Num(daikuan_gjj)){
                alertM("贷款金额必须为数字",{cName: "error"});
                return;
            }
            
            //金额错误
            
            if(parseInt(daikuan_sy)+parseInt(daikuan_gjj) != daikuan){
                $("#gjjtip span").text("总金额错误").removeClass("none");
                $("#sdtip span").addClass("none");
                $("#gjjtip").removeClass("none");
                return;
            }else{
                $("#gjjtip span").addClass("none");
            }
            
            
            //月还款
            var month_money = getMonthMoney(lilv_sd,daikuan_sy,month) + getMonthMoney(lilv_gjj,daikuan_gjj,month);//调用函数计算
            yuehuankuan = Math.round(month_money*10000);
            
            //还款总额
            var all_total1 = month_money * month;
            //支付利息款
            lixi = Math.round(all_total1 - daikuan);
        }
        
        
        
        //填充内容
        $(".price").text(yuehuankuan);
        $(".legend-pay span").html("参考首付："+shoufu+"万（"+(100-anjie)/10+"成）");
        $(".legend-price span").html("贷款金额："+daikuan+"万（"+(anjie/10)+"成）");
        $(".legend-rate span").html("支付利息："+lixi+"万");
        $(".legend-rate span").html("支付利息："+lixi+"万<em><br>（利率公积金"+Math.round(lilv_array[31][2][years]*10000)/100+"%，商业性"+Math.round(lilv_array[31][1][years]*10000)/100+"%）</em>");
        
        //初始化圆饼图
        initPie(shoufu,daikuan,lixi);
    }
    
    
    //初始化
    jisuan();
    
    
    
    //开始计算按钮
    $("#btn_startup").click(function(){
        jisuan();
    });
        
        
        
    //初始化统计图
    function initPie(shoufu,daikuan,lixi){
        var arrPieData = [{name: "参考首付",y: shoufu,events: {mouseOver: function() {
                $(".legend-pay").addClass("on")
            },mouseOut: function() {
                $(".legend-pay").removeClass("on")
            }}}, {name: "贷款金额",y: daikuan,events: {mouseOver: function() {
                $(".legend-price").addClass("on")
            },mouseOut: function() {
                $(".legend-price").removeClass("on")
            }}}, {name: "支付利息",y:lixi,events: {mouseOver: function() {
                $(".legend-rate").addClass("on")
            },mouseOut: function() {
                $(".legend-rate").removeClass("on")
            }}}];
        
        var a = new Highcharts.Chart({
            colors: ["#2F69BF", "#A2BF2F", "#BF5A2F"],
            chart: {
                type: "pie",
                renderTo: "result-charts",
                backgroundColor: "#f9f9f9"
            },
            title: {
                text: " ",
            },
            credits: {
                enabled: false
            },
            tooltip: {
                enabled: false
            },
            plotOptions: {
                pie: {
                    allowPointSelect: true,
                    cursor: "pointer",
                    borderWidth: 1,
                    dataLabels: {
                        enabled: false
                    },
                    innerSize: "40%",
                    shadow: false
                }
            },
            series: [{
                type: "pie",
                data: arrPieData
            }]
        });
    }

});