ipink-util/dist/utils/debts.mjs

util.js

class Loan {
  static instance = null;
  static getInstance() {
    if (!Loan.instance) {
      Loan.instance = new Loan();
    }
    return Loan.instance;
  }
  constructor() {
  }
  /**
   * @desc 先息后本
   * @param options { LoanOptionType }
   * @return: { LoanResultType }
   */
  xxhb(options) {
    let { dayRate = 0, yearRate, amount = 0, months = 1 } = options;
    if (!dayRate && !yearRate) {
      console.warn("日利率或者年化利率不能为空");
      return {};
    }
    if (!yearRate) yearRate = dayRate * 365;
    let objArray = new Array();
    let interestM = 0;
    let interestTotal = 0;
    let capital = 0;
    let totalInterest = amount * yearRate / 12 * 0.01 * months;
    for (let i = 1; i <= months; i++) {
      let t1 = totalInterest / months;
      interestM = t1;
      if (i == months) {
        capital = amount;
        interestM = t1 + amount;
      }
      objArray[i - 1] = {
        num: i,
        total: interestM.toFixed(2),
        interest: (interestM - capital).toFixed(2),
        capital: capital.toFixed(2),
        remainingLoan: (amount - capital * i).toFixed(2)
      };
      interestTotal = interestTotal + interestM;
    }
    interestTotal = Math.round(interestTotal * 100) / 100;
    let monthly = objArray[0]["total"];
    let totalRepayment = "" + interestTotal;
    let resArray = {
      "plan": objArray,
      "info": {
        monthly: parseFloat(monthly).toFixed(0),
        totalRepayment: parseFloat(totalRepayment).toFixed(0),
        totalInterest: parseFloat("" + totalInterest).toFixed(0)
      }
    };
    return resArray;
  }
  /**
   * @desc 等本等金
   * @param options { LoanOptionType }
   * @return: { LoanResultType }
   */
  dbdx(options) {
    let { dayRate = 0, yearRate, amount = 0, months = 1 } = options;
    if (!dayRate && !yearRate) {
      console.warn("日利率或者年化利率不能为空");
      return {};
    }
    if (!yearRate) yearRate = dayRate * 365;
    let objArray = new Array();
    let interestM = 0;
    let interestTotal = 0;
    let capital = amount / months;
    let totalInterest = amount * yearRate / 12 * 0.01 * months;
    for (let i = 1; i <= months; i++) {
      let t1 = totalInterest / months;
      interestM = capital + t1;
      objArray[i - 1] = {
        num: i,
        total: interestM.toFixed(2),
        interest: (interestM - capital).toFixed(2),
        capital: capital.toFixed(2),
        remainingLoan: (amount - capital * i).toFixed(2)
      };
      interestTotal = interestTotal + interestM;
    }
    interestTotal = Math.round(interestTotal * 100) / 100;
    let monthly = objArray[0]["total"];
    let totalRepayment = "" + interestTotal;
    let resArray = {
      "plan": objArray,
      "info": {
        monthly: parseFloat(monthly).toFixed(0),
        totalRepayment: parseFloat(totalRepayment).toFixed(0),
        totalInterest: parseFloat("" + totalInterest).toFixed(0)
      }
    };
    return resArray;
  }
  /**
   * @desc 等额本金
   * @param options { LoanOptionType }
   * @return: { LoanResultType }
   */
  debj(options) {
    let { dayRate = 0, yearRate, amount = 0, months = 1 } = options;
    if (!dayRate && !yearRate) {
      console.warn("日利率或者年化利率不能为空");
      return {};
    }
    if (!yearRate) yearRate = dayRate * 365;
    let active = yearRate * 10 / 12 * 1e-3;
    let objArray = new Array();
    let interestM = 0;
    let interestTotal = 0;
    let capital = amount / months;
    for (let i = 1; i <= months; i++) {
      let t1 = (amount - amount * (i - 1) / months) * active;
      interestM = amount / months + t1;
      objArray[i - 1] = {
        num: i,
        total: interestM.toFixed(2),
        interest: (interestM - capital).toFixed(2),
        capital: capital.toFixed(2),
        remainingLoan: (amount - capital * i).toFixed(2)
      };
      if (+(objArray[i - 1]["remainingLoan"] || 0) <= 1) {
        objArray[i - 1]["remainingLoan"] = 0;
      }
      interestTotal = interestTotal + interestM;
    }
    interestTotal = Math.round(interestTotal * 100) / 100;
    let monthly = objArray[0]["total"];
    let totalRepayment = interestTotal;
    let totalInterest = totalRepayment - amount;
    let resArray = {
      plan: objArray,
      info: {
        monthly: parseFloat(monthly).toFixed(0),
        totalRepayment: parseFloat("" + totalRepayment).toFixed(0),
        totalInterest: parseFloat("" + totalInterest).toFixed(0)
      }
    };
    return resArray;
  }
  /**
   * @desc 等额本息
   * @param options { LoanOptionType }
   * @return: { LoanResultType }
   */
  debx(options) {
    let { dayRate = 0, yearRate, amount = 0, months = 1 } = options;
    if (!dayRate && !yearRate) {
      console.warn("日利率或者年化利率不能为空");
      return {};
    }
    if (!yearRate) yearRate = dayRate * 365;
    let active = yearRate * 10 / 12 * 1e-3;
    let t1 = Math.pow(1 + active, months);
    let t2 = t1 - 1;
    let tmp = t1 / t2;
    let monthsratio = active * tmp;
    let monthsBack = (amount * monthsratio).toFixed(2);
    yearRate = yearRate * 0.01;
    let yue_lilv = yearRate / 12;
    let objArray = new Array();
    let ljch_bj = 0;
    let pre_remainingLoan = 0;
    let i = 1;
    for (i = 1; i <= months; i++) {
      objArray[i - 1] = {
        num: i,
        total: monthsBack,
        interest: 0,
        remainingLoan: 0
      };
      if (i == 1) {
        pre_remainingLoan = amount;
      } else {
        pre_remainingLoan = +(objArray[i - 2]["remainingLoan"] || 0);
      }
      objArray[i - 1]["interest"] = (pre_remainingLoan * yue_lilv).toFixed(2);
      let capital = +objArray[i - 1]["total"] - +objArray[i - 1]["interest"];
      objArray[i - 1]["capital"] = capital.toFixed(2);
      ljch_bj += capital;
      let remainingLoan = amount - ljch_bj;
      objArray[i - 1]["remainingLoan"] = remainingLoan.toFixed(2);
      if (remainingLoan <= 1) {
        objArray[i - 1]["remainingLoan"] = 0;
      }
    }
    let monthly = monthsBack;
    let totalRepayment = +monthsBack * months;
    let totalInterest = totalRepayment - amount;
    let resArray = {
      plan: objArray,
      info: {
        monthly: parseFloat(monthly).toFixed(0),
        totalRepayment: parseFloat("" + totalRepayment).toFixed(0),
        totalInterest: parseFloat("" + totalInterest).toFixed(0)
      }
    };
    return resArray;
  }
}

export { Loan };