/**
* 等额本息
*
* @param month 贷款月数 total 贷款总额 start_time 开始时间
*
* @return arr 期数 本金 利息 总额 剩余还款总额 还款时间
* */
function debx($month,$total,$start_time=0)
{
$arr = array();
$dkm = $month; //贷款月数,20年就是240个月
$dkTotal = $total; //贷款总额
$surplus = $total; //剩余还款金额
$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
$surplus = $surplus-$em;
$surplus = $surplus<1?0:$surplus;
//echo "第" . ($i + 1) . "期", " 本金:", $em, " 利息:" . $lx, " 总额:" . $emTotal, "<br />";
$start_time = strtotime('+1 month',$start_time);
$arr[] = array('issue'=>$i+1,'corpus'=>number_format($em,2),'interest'=>number_format($lx,2),'total'=>number_format($emTotal,2),'surplus'=>number_format($surplus,2),'time'=>date('Y-m-d H:i:s',$start_time));
$dkTotal = $dkTotal - $em;
$lxTotal = $lxTotal + $lx;
}
return $arr;
}
/**
* 等额本金
*
* @param month 贷款月数 total 贷款总额 start_time 开始时间
*
* @return arr 期数 本金 利息 总额 剩余还款总额 还款时间
* */
function debj($month,$total,$start_time)
{
$arr = array();
$dkm = $month; //贷款月数,20年就是240个月
$dkTotal = $total; //贷款总额
$surplus = $total; //剩余还款金额
$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
$surplus = $surplus-$em;
$surplus = $surplus<1?0:$surplus;
//echo "第" . ($i + 1) . "期", " 本金:", number_format($em,2), " 利息:" . number_format($lx,2), " 总额:" .number_format(($em + $lx),2), "<br />";
$start_time = strtotime('+1 month',$start_time);
$arr[] = array('issue'=>$i+1,'corpus'=>number_format($em,2),'interest'=>number_format($lx,2),'total'=>number_format($emTotal,2),'surplus'=>number_format($surplus,2),'time'=>date('Y-m-d H:i:s',$start_time));
$dkTotal -= $em;
$lxTotal = $lxTotal + $lx;
}
return $arr;
//echo "总利息:" . $lxTotal;
}
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