///// <summary>
///// 方式：等本息还款
///// </summary>
///// <param name="totalPeriod">期限</param>
///// <param name="balance">总金额</param>
///// <param name="interestRate">年利率</param>
//public static List<InstalmentDetail> CalculateEqualInstalment(PhysicalOrder order, decimal balance, int totalPeriod, InstalmentFrequence frequence, decimal interestRate, DateTime tradeDay, int decimals)
//{
// //InstalmentDetailCalculator.Decimals = decimals;
// //decimal principal = 0;
// //decimal rate0 = decimal.MinValue, instalmentAmount = decimal.MinValue;
// //decimal remainBalance = balance;
// //List<InstalmentDetail> result = new List<InstalmentDetail>();
// //for (int eachPeriod = 1; eachPeriod <= totalPeriod; eachPeriod++)
// //{
// // decimal interest = InstalmentDetailCalculator.Round(remainBalance * rate);//每期要还的利息
// // if (rate != 0)
// // {
// // if (rate0 != rate)
// // {
// // instalmentAmount = GetRepaymentAmount(remainBalance, rate0 = rate, totalPeriod);//计算每期要还的钱
// // }
// // principal = instalmentAmount - interest;//每期要还的本金
// // remainBalance -= principal;//剩余本金
// // if (eachPeriod == totalPeriod && balance != 0)
// // {
// // principal += balance;
// // interest -= balance;
// // remainBalance = 0;
// // }
// // }
// // else
// // {
// // instalmentAmount = principal;
// // }
// // var paymentDateTimeOnPlan = InstalmentCalculator.Default.CalculatePaymentDateTimeOnPlan(frequence, eachPeriod, tradeDay);
// // var instalmentDetail = new InstalmentDetail(order, eachPeriod, principal, interest, 0m, paymentDateTimeOnPlan, null);
// // result.Add(instalmentDetail);
// //}
// //return result;
//}
///// <summary>
///// 方式：等本金还款
///// </summary>
///// <param name="totalPeriod">期限</param>
///// <param name="amount">总金额</param>
///// <param name="monthRate">年利率</param>
//public static List<InstalmentDetail> CalculateEqualPrincipal(PhysicalOrder order, decimal amount, int totalPeriod, InstalmentFrequence frequence, decimal monthRate, DateTime tradeDay, int decimals)
//{
// InstalmentDetailCalculator.Decimals = decimals;
// decimal principal = 0;
// decimal remainAmount = amount;
// principal = InstalmentDetailCalculator.Round(amount / totalPeriod);
// List<InstalmentDetail> result = new List<InstalmentDetail>();
// decimal interest = 0m;
// for (int eachPeriod = 1; eachPeriod <= totalPeriod; eachPeriod++)
// {
// principal = InstalmentDetailCalculator.Round(amount / totalPeriod);
// interest = InstalmentDetailCalculator.Round(remainAmount * monthRate);
// var instalmentDetail = InstalmentDetailCalculator.CalculateInstalmentDetail(order, rate, eachPeriod, frequence, tradeDay, totalPeriod, remainAmount, principal);
// result.Add(instalmentDetail);
// remainAmount = InstalmentDetailCalculator.Round(remainAmount - principal);//剩余本金
// }
// return result;
//}
private static InstalmentDetail CalculateInstalmentDetail(PhysicalOrder order, decimal rate, int instalmentPeriod, InstalmentFrequence frequence, DateTime tradeDay, int lastPeriod, decimal balance, decimal originPrincipal)
{
decimal interest = 0m;
decimal principal = originPrincipal;
if (rate != 0)
{
interest = InstalmentDetailCalculator.Round(balance * rate);//每期要还的利息=上个月的剩余本金×每期利率
}
if (instalmentPeriod != 1)
{
if (instalmentPeriod == lastPeriod && balance != 0)
{
principal = InstalmentDetailCalculator.Round(principal + balance);
if (rate != 0)
{
interest = InstalmentDetailCalculator.Round(interest - balance);
}
}
}
var instalmentAmount = InstalmentDetailCalculator.Round(principal + interest);
DateTime paymentDateTimeOnPlan = InstalmentCalculator.Default.CalculatePaymentDateTimeOnPlan(frequence, instalmentPeriod, tradeDay);
return(new InstalmentDetail(order, instalmentPeriod, principal, interest, 0m, paymentDateTimeOnPlan, null));
}
public static string RoundToString(decimal dec)
{
return(InstalmentDetailCalculator.Round(dec).ToString().Replace(NumberFormatInfo.CurrentInfo.NumberDecimalSeparator, "."));
}
public static decimal GetRepaymentAmount(decimal balance, decimal rate, int installments)
{
double tmp = Math.Pow(1 + (double)rate, installments);//返回指定数字的指定次幂。
return(InstalmentDetailCalculator.Round((decimal)((double)balance * (double)rate * tmp / (tmp - 1))));
}
