C#实现的等额本息法、按月付息到期还本法、一次性还本付息法
你若懂行,那便有用,如下:
void Main()
{
var x = DengEBenXi.Compute(11111, 12, 3);
x.Dump();
var y = AnYueFuxiDaoqiHuanBen.Compute(11111, 12, 3);
y.Dump();
var z = YicixingHuanBenFuxi.Compute(11111, 12, 3);
z.Dump();
}
public class DengEBenXi
{
/// <summary>
/// 等额本息法
/// </summary>
/// <param>投资金额</param>
/// <param>年利率</param>
/// <param>投资期限,单位:月</param>
/// <returns></returns>
public static List<BackUnit> Compute(double amount, double yearRate, int months)
{
var monthRate = (yearRate) / 1200.0; //年利率转为月利率
var datalist = new List<BackUnit>();
var i = 0;
var a = 0.0; // 偿还本息
var b = 0.0; // 偿还利息
var c = 0.0; // 偿还本金
//利息收益
var totalRateIncome =
(amount * months * monthRate * Math.Pow((1 + monthRate), months)) / (Math.Pow((1 + monthRate), months) - 1) - amount;
var totalIncome = totalRateIncome + amount;
var d = amount + totalRateIncome; // 剩余本金
totalRateIncome = Math.Round(totalRateIncome * 100) / 100;// 支付总利息
totalIncome = Math.Round(totalIncome * 100) / 100;
a = totalIncome / months; //每月还款本息
a = Math.Round(a * 100) / 100;//每月还款本息
for (i = 1; i <= months; i++)
{
b = (amount * monthRate * (Math.Pow((1 + monthRate), months) - Math.Pow((1 + monthRate), (i - 1)))) / (Math.Pow((1 + monthRate), months) - 1);
b = Math.Round(b * 100) / 100;
c = a - b;
c = Math.Round(c * 100) / 100;
d = d - a;
d = Math.Round(d * 100) / 100;
if (i == months)
{
c = c + d;
b = b - d;
c = Math.Round(c * 100) / 100;
b = Math.Round(b * 100) / 100;
d = 0;
}
var unit = new BackUnit();
unit.Number = i;// 期数
unit.TotalRate = totalRateIncome;// 总利息
unit.TotalMoney = totalIncome;// 总还款
unit.A = a;// 偿还本息 someNumber.ToString("N2");
unit.B = b;// 偿还利息
unit.C = c;// 偿还本金
unit.D = d;// 剩余本金
datalist.Add(unit);
}
return datalist;
}
}
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