js房贷计算器

封装js房贷计算器

/**
 * 等额本金、等额本息还款方式详细对比
 * 带有Ai后缀为等额本息还款方式，即average interest
 * 带有Ap后缀为等额本金还款方式，即average principal
 */

// 格式化金额，保留两位小数
const formatFloat = function (input, decimals) {
    let formatFloatNumb = Math.round(input * Math.pow(10, decimals)) / Math.pow(10, decimals);
    return formatFloatNumb.toFixed(decimals);
};

// 涉及计算公式
const loanFormula = {
    // 等额本息每月还款金额
    getRepayPerMouPriceAi: function (loanTotal, interestRatePerMou, totalMouths) {
        /**
         * @param loanTotal         总贷款
         * @param interestRatePerMou   月利率
         * @param totalMouths            总月数
         * 每月还款金额 = [总贷款 × 月利率 × (1 + 月利率)^总月数] ÷ [(1 + 月利率)^总月数 - 1]
         */

        // 简化公式，创建变量x
        let x = Math.pow((1 + interestRatePerMou), totalMouths);

        return (loanTotal * interestRatePerMou * x / (x - 1));
    },

    // 等额本息第i个月还款中利息部分
    getRepayInterestPerMouAi: function (i, loanTotal, interestRatePerMou, totalMouths) {
        /**
         * @param i   第(i + 1)个月
         * 第i个月还款中利息部分 = 总贷款 × 月利率 × {(1 + 月利率)^i - (1 + 月利率)^总月数 * [(1 + 月利率)^i - 1] ÷ [(1 + 月利率)^总月数 - 1]}
         */

        // 简化公式，创建变量x、y
        let [x, y] = [Math.pow((1 + interestRatePerMou), i), Math.pow((1 + interestRatePerMou), totalMouths)];

        return (loanTotal * interestRatePerMou * (x - y * (x - 1) / (y - 1)));
    }
};

// const calculate = function (loanTotal, interestRatePerMou, totalMouths) {
// const loanTotal = 20000
// const interestRatePerMou = 3.25/12
// const totalMouths = 24

export function calculate(loanTotal, interestRatePerMou, totalMouths) {


    // 每月需还利息、本金、剩余待还本金、已还总金额
    let repayPerMouObj = {
        // 等额本息
        repayPerMouObjAi: {
            repayInterestPerMouArrAi: [], // 利息
            repayPrincipalPerMouArrAi: [], // 本金
            balanceArrAi: [], // 待还本金
            totalRepaidArrAi: [], // 已还总金额
            totalRepayPerMouArrAi: []
        },

        // 等额本金
        repayPerMouObjAp: {
            repayInterestPerMouArrAp: [],
            repayPerMouPriceArrAp: [],
            balanceArrAp: [],
            totalRepaidArrAp: [],
            totalRepayPerMouArrAp: []
        }
    };

    // 等额本息月均还本带息
    let repayPerMouAi = loanFormula.getRepayPerMouPriceAi(loanTotal, interestRatePerMou, totalMouths);

    // 等额本息初始化剩余待还本金
    let balancePerMouAi = loanTotal;

    // 等额本息初始化已还总金额
    let totalRepaidPerMouAi = 0;

    // 等额本金每月还款本金
    let repayPrincipalPerMouAp = loanTotal / totalMouths;

    // 等额本金每月还款递减金额
    let decreasePerMouAp = repayPrincipalPerMouAp * interestRatePerMou;

    // 等额本金初始化剩余待还本金
    let balancePerMouAp = loanTotal;

    // 等额本金初始化已还总金额
    let totalRepaidPerMouAp = 0;

    const getRepayPerMouObj = function () {
        for (let i = 0; i < totalMouths; i++) {
            // 等额本息第(i+1)个月需还利息
            let repayInterestPerMouAi = loanFormula.getRepayInterestPerMouAi(i, loanTotal, interestRatePerMou, totalMouths);

            // 等额本息第(i+1)个月需还本金：月均还本带息 - 利息部分
            let repayPrincipalPerMouAi = repayPerMouAi - repayInterestPerMouAi;

            // 等额本息第(i+1)个月待还本金：第i个月剩余待还本金 - 第(i + 1)个月所还本金，即上月剩余待还本金 - 当月已还本金
            balancePerMouAi = balancePerMouAi - repayPrincipalPerMouAi;

            // 等额本息第(i+1)个月已还总金额
            totalRepaidPerMouAi = totalRepaidPerMouAi + repayPerMouAi;

            // 等额本金第(i+1)个月若提前还款实际支付
            let totalRepayPerMouAi = balancePerMouAi + totalRepaidPerMouAi;

            // 拼接等额本息数组，包括各月份需还利息、本金及剩余待还本金
            repayPerMouObj.repayPerMouObjAi.repayInterestPerMouArrAi.push(formatFloat(repayInterestPerMouAi, 4));
            repayPerMouObj.repayPerMouObjAi.repayPrincipalPerMouArrAi.push(formatFloat(repayPrincipalPerMouAi, 4));
            repayPerMouObj.repayPerMouObjAi.balanceArrAi.push(formatFloat(balancePerMouAi, 4));
            repayPerMouObj.repayPerMouObjAi.totalRepaidArrAi.push(formatFloat(totalRepaidPerMouAi, 4));
            repayPerMouObj.repayPerMouObjAi.totalRepayPerMouArrAi.push(formatFloat(totalRepayPerMouAi, 4));

            // 等额本金第(i+1)个月需还利息
            // let repayInterestPerMouAp = loanTotal * interestRatePerMou * (1 - (i - 1) / totalMouths);
            let repayInterestPerMouAp = loanTotal * interestRatePerMou * (1 - (i - 0) / totalMouths);

            // 等额本金第(i+1)个月还本带息
            let repayPerMouPriceAp = repayPrincipalPerMouAp + repayInterestPerMouAp;

            // 等额本金第(i+1)个月剩余待还本金
            balancePerMouAp = balancePerMouAp - repayPrincipalPerMouAp;

            // 等额本金第(i+1)个月总还本带息
            totalRepaidPerMouAp = totalRepaidPerMouAp + repayPerMouPriceAp;

            // 等额本金第(i+1)个月若提前还款实际支付
            let totalRepayPerMouAp = balancePerMouAp + totalRepaidPerMouAp;

            // 拼接等额本金数组，包括各月份需还利息、本金及剩余待还本金
            repayPerMouObj.repayPerMouObjAp.repayInterestPerMouArrAp.push(formatFloat(repayInterestPerMouAp, 4));
            repayPerMouObj.repayPerMouObjAp.repayPerMouPriceArrAp.push(formatFloat(repayPerMouPriceAp, 4));
            repayPerMouObj.repayPerMouObjAp.balanceArrAp.push(formatFloat(balancePerMouAp, 4));
            repayPerMouObj.repayPerMouObjAp.totalRepaidArrAp.push(formatFloat(totalRepaidPerMouAp, 4));
            repayPerMouObj.repayPerMouObjAp.totalRepayPerMouArrAp.push(formatFloat(totalRepayPerMouAp, 4));
        }
        return repayPerMouObj;
    };
    getRepayPerMouObj();

    // 等额本息总还本带息： 月均还本带息 × 总月数
    let totalRepayAi = repayPerMouAi * totalMouths;

    // 等额本息总还款利息： 总还本带息 - 总贷款额
    let totalInterestAi = totalRepayAi - loanTotal;

    // 等额本金总还款金额（直接从等额本金数组中获取）
    const totalRepayPriceAp = repayPerMouObj.repayPerMouObjAp.totalRepaidArrAp[repayPerMouObj.repayPerMouObjAp.totalRepaidArrAp.length - 1];

    // 等额本金总还款利息： 总还本带息 - 总贷款额
    const totalInterestAp = totalRepayPriceAp - loanTotal;

    return {
        loanTotal: formatFloat(loanTotal, 0), //贷款总额
        totalInterestAi: formatFloat(totalInterestAi, 2), //等额本息总还款利息
        totalRepayAi: formatFloat(totalRepayAi, 0), //总还本带息
        repayPerMouAi: formatFloat(repayPerMouAi, 2), //等额本息月均还本带息
        totalInterestAp: formatFloat(totalInterestAp, 2), //等额本金总还款利息
        totalRepayPriceAp: formatFloat(totalRepayPriceAp, 2), //等额本金总还款金额
        //等额本金每月所还本金
        repayPrincipalPerMouAp: formatFloat(repayPrincipalPerMouAp, 2),
        //等额本金第一个月还款
        repayPerMouthAp: formatFloat(repayPerMouObj.repayPerMouObjAp.repayPerMouPriceArrAp[0], 2),
        //之后每个月递减额
        decreasePerMouAp: formatFloat(decreasePerMouAp, 2),
        //等额本息详情
        repayPerMouObjAi: repayPerMouObj.repayPerMouObjAi,
        //等额本金详情
        repayPerMouObjAp: repayPerMouObj.repayPerMouObjAp
    }

};