商业贷
如果有利率浮动 就调整相应的利率， 例： 利率上浮10% 利率 = 利率 + 利率 x 10%
<!DOCTYPE html>
<html lang="en">
<head>
<meta charset="UTF-8">
<meta http-equiv="X-UA-Compatible" content="IE=edge">
<meta name="viewport" content="width=device-width, initial-scale=1.0">
<title>Document</title>
<style>
.item {
display: flex;
margin-top: 30px;
}
button {
margin-top: 30px;
}
</style>
</head>
<body>
<div id="app">
<div class="item">
<div>总金额：(/万)</div>
<input type="number" v-model="total" name="" id="">
</div>
<div class="item">
<div>利率：（%）</div>
<input type="number" v-model="rate" name="" id="">
</div>
<div class="item">
<div>期限：（/年）</div>
<input type="number" v-model="year" name="" id="">
</div>
<div class="item">
<div>月供：</div>
<input type="text" v-model="result" name="" id="">
</div>
<div class="item">
<div>还款总额：</div>
<input type="text" v-model="total_er" name="" id="">
</div>
<div class="item">
<div>利息总额：</div>
<input type="text" v-model="total_lixi" name="" id="">
</div>
<div class="item">
<div>递减</div>
<input type="text" v-model="dijian" name="" id="">
</div>
<button @click="compontedBX">计算等额本息</button>
<button @click="compontedBJ">计算等额本金</button>
<div class="item" v-for="(item, index) in list" :key="index">
<div> {{index + 1}} </div>--
<div> {{item.res}} </div>--
<div> {{item.yu}} </div>
</div>
</div>
<script src="https://cdn.bootcdn.net/ajax/libs/vue/2.6.10/vue.common.dev.js"></script>
<script>
var vm = new Vue({
el: '#app',
data() {
return {
total: 10,
rate: 4.9,
year: 10,
result: '',
list: [],
total_lixi: '',
total_er: '',
dijian: ''
}
},
computed: {
c_total() {
return this.total * 10000
},
c_rate() {
return this.rate / 100 / 12
},
c_mouths() {
return this.year * 12
}
},
methods: {
// 等额本息 每月还本付息金额=[贷款本金×月利率×(1+月利率)^还款月数]÷[(1+月利率)^还款月数-1]
// 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〕
// 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〕
// 总利息=还款月数×每月月供额-贷款本金
compontedBX() {
// 每月月供 贷款本金 月利率 还款总月数 例： 10 年 就是 10 * 12 = 120 期
let result = (this.c_total * this.c_rate * Math.pow( 1 + this.c_rate, this.c_mouths )) / ( Math.pow(1 + this.c_rate, this.c_mouths) - 1 )
this.result = result.toFixed(2)
let total_rate = result.toFixed(2) * this.c_mouths
for(let i = 1; i <= this.c_mouths; i++) {
this.list.push({res: result.toFixed(2), yu: (total_rate- result.toFixed(2) * i).toFixed(2)})
}
// 总利息
this.total_lixi = (this.c_mouths * result - this.c_total).toFixed(2)
this.total_er = (Number(this.total_lixi) + Number(this.c_total)).toFixed(2)
console.log(result)
},
// 等额本金的计算公式为： 每月还本付息金额=（本金/还款月数）+（本金－累计已还本金）×月利率
// 每月应还本金=贷款本金÷还款月数
// 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。
// 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
// 总利息=（还款月数+1）×贷款总额×月利率÷2
compontedBJ() {
// 月供
let res
// 已还本金
let yhbj = 0;
// 已还的本息
let yhbx = 0
// 贷款本金 还款月数 月利率
let total = this.c_total, mouths = this.c_mouths, rate = this.c_rate
res = (total / mouths) + (total - yhbj) * rate
res = res.toFixed(2)
yhbx = res + yhbx
this.result = res
this.total_lixi = (mouths + 1) * total * rate / 2
this.total_er = this.total_lixi + this.c_total
this.list.push({res: res, yu: (this.total_er - yhbx).toFixed(2)})
this.dijian = (total / mouths * rate).toFixed(2)
for(let i = 1; i <= mouths; i++) {
yhbj = total / mouths * i
res = (total / mouths) + (total - yhbj) * rate
res = res.toFixed(2)
yhbx = Number(res) + Number(yhbx)
this.list.push({res: res, yu: (this.total_er - yhbx).toFixed(2)})
}
}
}
})
// ---------------------------------------------------------------------------------------------
</script>
</body>
</html>
公积金贷
和商业贷差不多 ，只是利率不同
组合贷
就是把 商业贷 和公积金贷 分别算出来， 然后再相加
在uniapp上新增了完整代码
// 参数选择页面
<template>
<view>
<!-- 贷款类型 -->
<view class="type-box">
<view class="item" :class="{select: type==1}" @tap="setType(1)">
商业贷款
</view>
<view class="item" :class="{select: type==2}" @tap="setType(2)">
公积金贷款
</view>
<view class="item" :class="{select: type==3}" @tap="setType(3)">
组合贷款
</view>
</view>
<!-- 商贷 -->
<view class="content" v-if="type == 1">
<view class="item">
<text>商业贷款总额:</text>
<view class="" style="display: flex;">
<input class="inp" type="number" v-model="total" />/万元
</view>
</view>
<view class="item">
<text>商业贷款利率:</text>
<view class="" style="display: flex;">
<input class="inp" type="number" v-model="lilv" />(默认4.9%)
</view>
</view>
<view class="item">
<text>商业贷款利率浮动:</text>
<picker mode="selector" :range="rateChange" :range-key="'text'" @change="pickerChange">
<view>{{ rateChange[rateIndex].text }}</view>
</picker>
</view>
<view class="item">
<text>贷款年限:</text>
<picker mode="selector" :range="yearList" :range-key="'text'" @change="pickerChangeYear">
<view>{{ yearList[yearListIndex].text }}</view>
</picker>
</view>
</view>
<!-- 公积金贷 -->
<view class="content" v-if="type == 2">
<view class="item">
<text>公积金贷款总额:</text>
<view class="" style="display: flex;">
<input class="inp" type="number" v-model="total_g" />/万元
</view>
</view>
<view class="item">
<text>公积金贷款利率:</text>
<view class="" style="display: flex;">
<input class="inp" type="number" v-model="lilv_g" />(默认3.25%)
</view>
</view>
<view class="item">
<text>公积金贷款利率浮动:</text>
<picker mode="selector" :range="rateChange" :range-key="'text'" @change="pickerChange_g">
<view>{{ rateChange[rateIndex_g].text }}</view>
</picker>
</view>
<view class="item">
<text>贷款年限:</text>
<picker mode="selector" :range="yearList" :range-key="'text'" @change="pickerChangeYear">
<view>{{ yearList[yearListIndex].text }}</view>
</picker>
</view>
</view>
<!-- 组合贷 -->
<view class="content" v-if="type == 3">
<view class="item">
<text>商业贷款总额:</text>
<view class="" style="display: flex;">
<input class="inp" type="number" v-model="total" />/万元
</view>
</view>
<view class="item">
<text>公积金贷款总额:</text>
<view class="" style="display: flex;">
<input class="inp" type="number" v-model="total_g" />/万元
</view>
</view>
<view class="item">
<text>商业贷款利率:</text>
<view class="" style="display: flex;">
<input class="inp" type="number" v-model="lilv" />(默认4.9%)
</view>
</view>
<view class="item">
<text>公积金贷款利率:</text>
<view class="" style="display: flex;">
<input class="inp" type="number" v-model="lilv_g" />(默认3.25%)
</view>
</view>
<view class="item">
<text>商业贷款利率浮动:</text>
<picker mode="selector" :range="rateChange" :range-key="'text'" @change="pickerChange">
<view>{{ rateChange[rateIndex].text }}</view>
</picker>
</view>
<view class="item">
<text>公积金贷款利率浮动:</text>
<picker mode="selector" :range="rateChange" :range-key="'text'" @change="pickerChange_g">
<view>{{ rateChange[rateIndex_g].text }}</view>
</picker>
</view>
<view class="item">
<text>贷款年限:</text>
<picker mode="selector" :range="yearList" :range-key="'text'" @change="pickerChangeYear">
<view>{{ yearList[yearListIndex].text }}</view>
</picker>
</view>
</view>
<button class="btn" type="primary" @tap="handleResult">计算结果</button>
</view>
</template>
<script>
export default {
data() {
return {
type: 1,
total: '',// 商贷总额
lilv: 4.9,// 商贷利率
total_g: '',// 公积金总额
lilv_g: 3.25,// 公积金利率
// 利率浮动列表
rateChange: [
{text: '基准利率7成', num: 0.7},
{text: '基准利率8成', num: 0.8},
{text: '基准利率9成', num: 0.9},
{text: '基准利率', num: 1},
{text: '基准利率上浮5%', num: 1.05},
{text: '基准利率上浮10%', num: 1.1},
{text: '基准利率上浮15%', num: 1.15},
{text: '基准利率上浮20%', num: 1.2},
{text: '基准利率上浮25%', num: 1.25},
{text: '基准利率上浮30%', num: 1.3},
],
rateIndex: 3,// 利率浮动列表下标
rateIndex_g: 3,
yearList: [
{text: '5年(60期)', num: 60},
{text: '10年(120期)', num: 120},
{text: '15年(180期)', num: 180},
{text: '20年(240期)', num: 240},
{text: '25年(300期)', num: 300},
{text: '30年(360期)', num: 360},
],
yearListIndex: 1
}
},
computed: {
lilv_result() {
return this.lilv / (100 * 12)
},
mouths() {
return this.year * 12
}
},
methods: {
setType(id) {
if(this.type !== id) {
this.total = ''
this.total_g = ''
this.rateIndex = 3
this.rateIndex_g = 3
this.yearListIndex = 1
this.type = id
}
},
pickerChange(e) {
this.rateIndex = e.target.value
console.log(e.target.value)
},
pickerChange_g(e) {
this.rateIndex_g = e.target.value
console.log(e.target.value)
},
pickerChangeYear(e) {
this.yearListIndex = e.target.value
console.log(e.target.value)
},
// 开始计算
handleResult() {
let isTrue = 1
if(this.type == 1) {
if(this.total == '') { isTrue = 2 }
} else if(this.type == 2) {
if(this.total_g == '') { isTrue = 2 }
} else {
if(this.total_g == '' || this.total == '') { isTrue = 2 }
}
if(isTrue === 2) {
uni.showToast({ title: '请输入金额', icon:'none' }); return false
}
let data = {}
if(this.type == 1) {
data.type = 1
data.total = this.total * 10000
data.rate = this.lilv * this.rateChange[this.rateIndex].num / 12 / 100
} else if(this.type == 2) {
data.type = 2
data.total = this.total_g * 10000
data.rate = this.lilv_g * this.rateChange[this.rateIndex_g].num / 12 / 100
} else {
data.type = 3
data.total = this.total * 10000
data.total_g = this.total_g * 10000
data.rate = this.lilv * this.rateChange[this.rateIndex].num / 12 / 100
data.rate_g = this.lilv_g * this.rateChange[this.rateIndex_g].num / 12 / 100
}
data.mouths = this.yearList[this.yearListIndex].num
//this.$navTo('/pages/computedResult/computedResult?data=' + encodeURIComponent(JSON.stringify(data)))
uni.navigateTo({
url: '/pages/computedResult/computedResult?data=' + encodeURIComponent(JSON.stringify(data))),
success: res => {},
fail: () => {},
complete: () => {}
});
},
}
}
</script>
<style lang="scss">
.type-box {
display: flex;
justify-content: space-around;
margin: 20rpx auto;
.item {
line-height: 56rpx;
padding: 0 auto;
}
.select {
border-bottom: 1px solid #1296db;
color: #1296db;
}
}
.content {
width: 90%;
margin: 0 auto;
.item {
height: 80rpx;
display: flex;
justify-content: space-between;
align-items: center;
border-bottom: 1rpx solid #333;
color: #666;
.inp {
border: 1rpx solid #ccc;
border-radius: 10rpx;
text-align: right;
width: 200rpx;
}
}
}
.xian {
width: 750rpx;
height: 1px;
border-bottom: 1px solid #007AFF;
}
.btn {
margin-top: 60rpx;
}
</style>
// 计算结果页面
<template>
<view>
<view class="type-box">
<view class="item" :class="{select: type==1}" @tap="setType(1)">
本息
</view>
<view class="item" :class="{select: type==2}" @tap="setType(2)">
本金
</view>
</view>
<!-- 月供 总利息 总利息+贷款金额 渲染一个列表 -->
<view class="">
月供：{{result}}
</view>
<view class="">
总利息：{{total_lixi}}
</view>
<view class="">
贷款金额 + 总利息：{{total_er}}
</view>
<view class="">
递减：{{dijian}}
</view>
<view class="list">
<view class="item">
<view class="item-item">期数</view>
<view class="item-item">月供</view>
<view class="item-item">剩余</view>
</view>
<view class="item" v-for="(item, index) in list" :key="index">
<view class="item-item">{{index + 1}}</view>
<view class="item-item">{{item.res}}</view>
<view class="item-item">{{item.yu}}</view>
</view>
</view>
</view>
</template>
<script>
export default {
data() {
return {
type: 1,// 1本息 2本金
datas: {},
list: [],
result: '',// 月供
total_lixi: '',//总利息
dijian: '',// 递减
total_er: ''// 贷款金额 + 总利息
}
},
onLoad(option) {
let data = JSON.parse(decodeURIComponent(option.data));
console.log(data)
this.datas = data
this.computedResult()
},
methods: {
setType(id) {
if(this.type !== id) {
this.type = id
this.computedResult()
}
},
// 计算结果
computedResult() {
let data = {list: []}
// 判断是否组合贷
if(this.datas.type == 3) {
let data1, data2
// 判断是 本息 还是本金
if(this.type == 1) {
data1 = this.computedBX(this.datas.total, this.datas.rate, this.datas.mouths)
data2 = this.computedBX(this.datas.total_g, this.datas.rate_g, this.datas.mouths)
} else {
data1 = this.computedBJ(this.datas.total, this.datas.rate, this.datas.mouths)
data2 = this.computedBJ(this.datas.total_g, this.datas.rate_g, this.datas.mouths)
}
data.result = Number(data1.result.toFixed(2)) + Number(data2.result.toFixed(2))
data.total_lixi = Number(data1.total_lixi) + Number(data2.total_lixi)
data.total_er = Number(data1.total_er) + Number(data2.total_er)
data.total = Number(data1.total) + Number(data2.total)
data.dijian = Number(data1.dijian.toFixed(2)) + Number(data2.dijian.toFixed(2))
for(let i = 0; i < data1.list.length; i++) {
data1.list[i].res = ( Number(data1.list[i].res) + Number(data2.list[i].res) ).toFixed(2)
data1.list[i].yu = ( Number(data1.list[i].yu) + Number(data2.list[i].yu) ).toFixed(2)
// data.list.push({
// res: Number(data1.list[i].res) + Number(data2.list[i].res),
// yu: Number(data1.list[i].yu) + Number(data2.list[i].yu)
// })
}
data.list = data1.list
} else {
// 判断是 本息 还是本金
if(this.type == 1) {
data = this.computedBX(this.datas.total, this.datas.rate, this.datas.mouths)
} else {
data = this.computedBJ(this.datas.total, this.datas.rate, this.datas.mouths)
}
}
this.list = data.list
this.result = data.result.toFixed(2)
this.total_lixi = data.total_lixi.toFixed(2)
this.dijian = data.dijian
this.total_er = data.total_er.toFixed(2)
},
// 等额本息计算方法
computedBX(total, rate, mouths) {
// 等额本息 每月还本付息金额=[贷款本金×月利率×(1+月利率)^还款月数]÷[(1+月利率)^还款月数-1]
// 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〕
// 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〕
// 总利息=还款月数×每月月供额-贷款本金
let result = (total * rate * Math.pow(1 + rate, mouths)) / (Math.pow(1 + rate, mouths) - 1)
// result = result.toFixed(2)
let total_rate = result.toFixed(2) * mouths
let list = []
for (let i = 1; i <= mouths; i++) {
list.push({
res: Number( result.toFixed(2) ),
yu: Number( (total_rate - result.toFixed(2) * i).toFixed(2) )
})
}
// 总利息
let total_lixi = Number( (mouths * result - total).toFixed(2) )
// 总利息 + 贷款本金
let total_er = Number( (Number(total_lixi) + Number(total)).toFixed(2) )
return {
result: Number( result.toFixed(2) ),
total_lixi,
total_er,
list,
total,
dijian: 0
}
},
// 等额本金计算方法
// 贷款本金 月利率 还款月数
computedBJ(total, rate, mouths) {
// 等额本金的计算公式为： 每月还本付息金额=（本金/还款月数）+（本金－累计已还本金）×月利率
// 每月应还本金=贷款本金÷还款月数
// 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。
// 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
// 总利息=（还款月数+1）×贷款总额×月利率÷2
// 月供
let res
// 已还本金
let yhbj = 0;
// 已还的本息
let yhbx = 0
// 递减金额
let dijian
res = (total / mouths) + (total - yhbj) * rate
res = res.toFixed(2)
yhbx = res + yhbx
let result = Number(res)
let total_lixi = (mouths + 1) * total * rate / 2
let total_er = total_lixi + total
let list = []
list.push({
res: res,
yu: (total_er - yhbx).toFixed(2)
})
dijian = Number( (total / mouths * rate).toFixed(2) )
for (let i = 1; i < mouths; i++) {
yhbj = total / mouths * i
res = (total / mouths) + (total - yhbj) * rate
res = res.toFixed(2)
yhbx = Number(res) + Number(yhbx)
list.push({
res: res,
yu: Number( (total_er - yhbx).toFixed(2) )
})
}
return {
result,
total_lixi,
total_er,
list,
total,
dijian
}
},
}
}
</script>
<style lang="scss">
.list {
.item {
display: flex;
justify-content: space-around;
.item-item {
flex: 1;
}
}
}
.type-box {
display: flex;
justify-content: space-around;
margin: 20rpx auto;
.item {
line-height: 56rpx;
padding: 0 auto;
}
.select {
border-bottom: 1px solid #1296db;
color: #1296db;
}
}
</style>
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