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PHP 之房贷计算器、组合贷

news 2025/7/15 2:17:04

一、等额本金

// （等额本金）
//$loanAmount=>贷款金额
//$loanPeriod=>贷款年限
//$interestRate=>贷款利息
function calculateEqualPrincipalPayment($loanAmount, $loanPeriod, $interestRate)
{$monthlyPrincipal = $loanAmount / ($loanPeriod * 12);$monthlyInterest = $loanAmount * ($interestRate / 100) / 12;$remainingAmount = $loanAmount;$result = [];for ($i = 1; $i <= $loanPeriod * 12; $i++) {$interest = $remainingAmount * ($interestRate / 100) / 12;$principal = $monthlyPrincipal;$remainingAmount -= $monthlyPrincipal;$monthlyPayment = $principal + $interest;$result[$i] = ['month' => $i,//期数'principal' => round($principal, 2),//月供本金'interest' => round($interest, 2),//月供利息'monthlyPayment' => round($monthlyPayment, 2),//月供总额'remainingAmount' => round($remainingAmount, 2),//剩余本金];}return $result;
}

二、等额本息

// （等额本息）
//$loanAmount=>贷款金额
//$loanPeriod=>贷款年限
//$loanPeriod=>贷款利率
function calculateEqualInstallmentPayment($loanAmount, $loanPeriod, $interestRate)
{$monthlyInterestRate = $interestRate / 12 / 100;$numOfMonthlyPayments = $loanPeriod * 12;$monthlyPayment = $loanAmount * $monthlyInterestRate * pow(1 + $monthlyInterestRate, $numOfMonthlyPayments)/ (pow(1 + $monthlyInterestRate, $numOfMonthlyPayments) - 1);$result = [];for ($i = 1; $i <= $numOfMonthlyPayments; $i++) {$interest = $loanAmount * $monthlyInterestRate;$principal = $monthlyPayment - $interest;$remainingAmount = $loanAmount - $principal;$result[$i] = ['month' => $i,//期数'principal' => round($principal, 2),//期数'interest' => round($interest, 2),//月供本金'monthlyPayment' => round($monthlyPayment, 2),//月供总额'remainingAmount' => round($remainingAmount, 2),//剩余本金];$loanAmount = $remainingAmount;}return $result;
}

三、公积金和商业贷组合贷款

// 测试组合贷款计算()等额本息
function calculateCombinationLoan($commercialLoanAmount, $commercialLoanPeriod, $commercialInterestRate, $fundLoanAmount, $fundLoanPeriod, $fundInterestRate)
{// 计算商业贷款的还款计划$commercialRepayments = calculateEqualInstallmentPayment($commercialLoanAmount, $commercialLoanPeriod, $commercialInterestRate);// 计算公积金贷款的还款计划$fundRepayments = calculateEqualInstallmentPayment($fundLoanAmount, $fundLoanPeriod, $fundInterestRate);//判断公积金和商业贷那个贷款时间长，就以那个合并$arr_ti = $commercialRepayments;$arr_ti_duan = $fundRepayments;if ($fundLoanPeriod > $commercialLoanPeriod) {$arr_ti = $fundRepayments;$arr_ti_duan = $commercialRepayments;}$newArray = [];foreach ($arr_ti as $is => $repayment) {if ($fundLoanPeriod < $commercialLoanPeriod) {$shangye_monthlyPayment = $repayment["monthlyPayment"] ?: 0;$jijin_monthlyPayment = $arr_ti_duan[$is]["monthlyPayment"] ?: 0;} else {$shangye_monthlyPayment = $arr_ti_duan[$is]["monthlyPayment"]?: 0;$jijin_monthlyPayment = $repayment["monthlyPayment"] ?: 0;}$newArray[] = ["month" => $repayment["month"],//还款期数"jijin_monthlyPayment" => round($jijin_monthlyPayment, 2),//公积金金额"shangye_monthlyPayment" => round($shangye_monthlyPayment, 2),//商贷金额"monthlyPayment" => round(($repayment["monthlyPayment"] + $arr_ti_duan[$is]["monthlyPayment"]), 2),//总还款金额"interest" => round(($repayment["interest"] + $arr_ti_duan[$is]["interest"]), 2),//总还款利息];}return $newArray;
}// 测试组合贷款计算(等额本金)
function calculatePrincipaltionLoan($commercialLoanAmount, $commercialLoanPeriod, $commercialInterestRate, $fundLoanAmount, $fundLoanPeriod, $fundInterestRate)
{// 计算商业贷款的还款计划$commercialRepayments = calculateEqualPrincipalPayment($commercialLoanAmount, $commercialLoanPeriod, $commercialInterestRate);// 计算公积金贷款的还款计划$fundRepayments = calculateEqualPrincipalPayment($fundLoanAmount, $fundLoanPeriod, $fundInterestRate);//判断公积金和商业贷那个贷款时间长，就以那个合并$arr_ti = $commercialRepayments;$arr_ti_duan = $fundRepayments;if ($fundLoanPeriod > $commercialLoanPeriod) {$arr_ti = $fundRepayments;$arr_ti_duan = $commercialRepayments;}$newArray = [];foreach ($arr_ti as $is => $repayment) {if ($fundLoanPeriod < $commercialLoanPeriod) {$shangye_monthlyPayment = $repayment["monthlyPayment"] ?: 0;$jijin_monthlyPayment = $arr_ti_duan[$is]["monthlyPayment"] ?: 0;} else {$shangye_monthlyPayment = $arr_ti_duan[$is]["monthlyPayment"]?: 0;$jijin_monthlyPayment = $repayment["monthlyPayment"] ?: 0;}$newArray[] = ["month" => $repayment["month"],"jijin_monthlyPayment" => round($jijin_monthlyPayment, 2),"shangye_monthlyPayment" => round($shangye_monthlyPayment, 2),"monthlyPayment" => round(($repayment["monthlyPayment"] + $arr_ti_duan[$is]["monthlyPayment"]), 2),"interest" => round(($repayment["interest"] + $arr_ti_duan[$is]["interest"]), 2),];}return $newArray;
}