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 name="amountT">投资金额</param>
/// <param name="yearRate">年利率</param>
/// <param name="monthsx">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;
}
}
public class AnYueFuxiDaoqiHuanBen
{
/// <summary>
/// 按月付息到期还本
/// </summary>
/// <param name="amount">投资金额</param>
/// <param name="yearRate">年利率</param>
/// <param name="months">投资期限，单位：月</param>
/// <returns></returns>
public static List<BackUnit> Compute(double amount, double yearRate, int months)
{
var datalist = new List<BackUnit>(); //new Array(Deadline); //
double rateIncome = amount * yearRate / 100 * (months / 12.0);
double rateIncomeEve = (rateIncome / months);
var total = amount + rateIncome;
for (var i = 1; i < months; i++)
{
var unit = new BackUnit();
unit.Number = i;// 期数
unit.TotalRate = rateIncome;//Math.Round((Amount + TotalRate) * 100) / 100;// 总利息
unit.TotalMoney = total;//TotalRate;// 总还款
unit.A = rateIncomeEve;// 偿还本息 someNumber.ToString("N2");
unit.B = rateIncomeEve;// 偿还利息
unit.C = 0;// 偿还本金
unit.D = amount * 1 + rateIncome * 1 - rateIncomeEve * i;// 剩余本金
datalist.Add(unit);
}
datalist.Add(new BackUnit() {
Number= months,
TotalRate = rateIncome,
TotalMoney = total,
A = amount + rateIncomeEve,
B = rateIncomeEve,
C = amount,
D = 0
});
return datalist;
}
}
public class YicixingHuanBenFuxi
{
/// <summary>
/// 一次性还本付息
/// </summary>
/// <param name="amount">投资金额</param>
/// <param name="yearRate">年利率</param>
/// <param name="months">投资期限，单位：月</param>
/// <returns></returns>
public static BackUnit Compute(double amount, double yearRate, int months)
{
BackUnit unit = new BackUnit();
var rate = yearRate;
var rateIncome = amount * rate / 100 * (months / 12.0);
var totalIncome = amount + rateIncome;
unit.Number = 1;// 期数
unit.TotalRate = rateIncome;//Math.Round((Amount + TotalRate) * 100) / 100;// 总利息
unit.TotalMoney = totalIncome;//TotalRate;// 总还款
unit.A = totalIncome;// 偿还本息 someNumber.ToString("N2");
unit.B = rateIncome;// 偿还利息
unit.C = 0;// 偿还本金
unit.D = 0;// 剩余本金
return unit;
}
}
public class BackUnit
{
//当前期数
public int Number { get; set; }
//总利息
public double TotalRate { get; set; }
//总还款
public double TotalMoney { get; set; }
//本期应还全部
public double A { get; set; }
//本期应还利息
public double B { get; set; }
//本期应还本金
public double C { get; set; }
//本期剩余本金
public double D { get; set; }
}
以下为运行结果：
再附送一个我所写的在线测试地址：http://p2p.tminji.com/phome/mockcompute。
本文转自最课程陆敏技博客园博客，原文链接：http://www.cnblogs.com/luminji/p/4857040.html，如需转载请自行联系原作者
