/// <summary>
/// 某个月偿还的本金
/// </summary>
public double PaymentCapitalMonth(DateTime time)
{
if (OnDebtTime.AddMonths((int)TimeLengthMonth) < time) //如果贷款已经还完
{
return(0);
}
return(PaymentAt(time) - PaymentInterestAt(time));
}
/// <summary>
/// 剩余的利息总和
/// </summary>
/// <param name="time"></param>
/// <returns></returns>
public double LeftInterestAt(DateTime time)
{
if (OnDebtTime.AddMonths((int)TimeLengthMonth) < time) //如果贷款已经还完
{
time = OnDebtTime.AddMonths((int)TimeLengthMonth);
}
return(LeftDebtAt(time) - LeftCapitalAt(time));
}
/// <summary>
/// 每月偿还的本金
/// </summary>
public double PaymentCapitalMonth(DateTime time)
{
if (OnDebtTime.AddMonths((int)TimeLengthMonth) < time) //如果贷款已经还完
{
return(0);
}
return(sumDebt / TimeLengthMonth);
}
public double LeftDebtAt(DateTime time)
{
if (OnDebtTime.AddMonths((int)TimeLengthMonth) < time) //如果贷款已经还完
{
time = OnDebtTime.AddMonths((int)TimeLengthMonth);
}
return(GetSumPayment() - FinishedPaymentSumAt(time));
}
/// <summary>
/// 获取等额本金需要的总还款额
/// </summary>
/// <returns></returns>
public double GetSumPayment()
{
double sumPaymentAmount = 0.0;
for (int i = 0; i < TimeLengthMonth; i++)
{
sumPaymentAmount += PaymentAt(OnDebtTime.AddMonths(i + 1));
}
return(sumPaymentAmount);
}
public double FinishedPaymentSumAt(DateTime time)
{
if (OnDebtTime.AddMonths((int)TimeLengthMonth) < time) //如果贷款已经还完
{
time = OnDebtTime.AddMonths((int)TimeLengthMonth);
}
int monthIndex = GetMonthIndex(time);
return(monthIndex * PaymentAt(time));
}
/// <summary>
/// 在某个月(已供完本月的)还剩余要还的本金
/// </summary>
/// <param name="time"></param>
/// <returns></returns>
public double LeftCapitalAt(DateTime time)
{
if (OnDebtTime.AddMonths((int)TimeLengthMonth) < time) //如果贷款已经还完
{
return(0);
}
int i = GetMonthIndex(time);
return(sumDebt - i * PaymentCapitalMonth(OnDebtTime.AddMonths(i)));
}
/// <summary>
/// 在某个月偿还的利息
/// </summary>
/// <param name="monthIndex"></param>
/// <returns></returns>
public double PaymentInterestAt(DateTime time)
{
if (OnDebtTime.AddMonths((int)TimeLengthMonth) < time) //如果贷款已经还完
{
return(0);
}
int monthIndex = GetMonthIndex(time);
if (monthIndex < 0)
{
throw new ArgumentException("月索引小于0");
}
return((sumDebt - (monthIndex - 1) * PaymentCapitalMonth(OnDebtTime.AddMonths(monthIndex))) * MonthDebtRate);
}
/// <summary>
/// 在某个月(已供完本月的)还剩余要还的本金
/// </summary>
/// <param name="time"></param>
/// <returns></returns>
public double LeftCapitalAt(DateTime time)
{
if (OnDebtTime.AddMonths((int)TimeLengthMonth) < time) //如果贷款已经还完
{
return(0);
}
int mi = GetMonthIndex(time);
double sum = 0;
for (int i = 1; i <= mi; i++)
{
sum += PaymentCapitalMonth(OnDebtTime.AddMonths(i));
}
return(sumDebt - sum);
}
public double PaymentAt(DateTime time)
{
if (OnDebtTime.AddMonths((int)TimeLengthMonth) < time) //如果贷款已经还完
{
return(0);
}
var payment = sumDebt * MonthDebtRate *
Math.Pow((1 + MonthDebtRate), TimeLengthMonth) /
((Math.Pow((1 + MonthDebtRate), TimeLengthMonth)) - 1);
if (payment < 0)
{
throw new LessOrEquZeroException("还款金额");
}
return(payment);
}
/// <summary>
/// 已经偿还的本金总和
/// </summary>
/// <param name="time"></param>
/// <returns></returns>
public double FinishedInterestSumAt(DateTime time)
{
if (OnDebtTime.AddMonths((int)TimeLengthMonth) < time) //如果贷款已经还完
{
time = OnDebtTime.AddMonths((int)TimeLengthMonth);
}
int monthIndex = GetMonthIndex(time);
double sum = 0;
for (int i = 1; i <= monthIndex; i++)
{
sum += PaymentInterestAt(OnDebtTime.AddMonths(i));
}
return(sum);
}
/// <summary>
/// 截止到某个时间，已经偿还的金额
/// </summary>
/// <param name="time"></param>
/// <returns></returns>
public double FinishedPaymentSumAt(DateTime time)
{
if (OnDebtTime.AddMonths((int)TimeLengthMonth) < time) //如果贷款已经还完
{
time = OnDebtTime.AddMonths((int)TimeLengthMonth);
}
time = DateTime.Parse(time.ToString("yyyy-MM-01"));
double paymentAmount = 0.0;
for (DateTime i = OnDebtTime; i < time; i = i.AddMonths(1))
{
paymentAmount += PaymentAt(i.AddMonths(1));
}
return(paymentAmount);
}
public double PaymentInterestAt(DateTime time, DateTime bigRepayTime, double sumDebt1)
{
try
{
if (OnDebtTime.AddMonths((int)TimeLengthMonth) < time) //如果贷款已经还完
{
return(0);
}
int monthIndex = GetMonthIndex(bigRepayTime, time);
double inter = 0;
if (monthIndex == 1)
{
inter = sumDebt1 * MonthDebtRate;
}
else
{
double beforeInterSum = 0;
for (int i = 1; i < monthIndex; i++)
{
if (!dictInterBefore.ContainsKey(i))
{
dictInterBefore.Add(i, PaymentInterestAt(OnDebtTime.AddMonths(i)));
}
beforeInterSum += dictInterBefore[i];
}
inter = (sumDebt1 - ((monthIndex - 1) * PaymentAt(OnDebtTime.AddMonths(monthIndex)) - beforeInterSum)) * MonthDebtRate;
}
if (inter < 0)
{
//throw new LessOrEquZeroException("利息");
return(inter);
}
if (!dictInterBefore.ContainsKey(monthIndex))
{
dictInterBefore.Add(monthIndex, inter);
}
return(inter);
}
catch (Exception ex)
{
throw ex;
}
}
/// <summary>
/// 显示某个月的下一个月的还款额度
/// </summary>
/// <param name="monthIndex"></param>
/// <returns></returns>
public double ShowPaymentNextTo(DateTime time)
{
if (OnDebtTime.AddMonths((int)TimeLengthMonth) < time) //如果贷款已经还完
{
return(0);
}
int monthIndex = GetMonthIndex(time);
if (monthIndex < 0)
{
throw new ArgumentException("月索引小于0");
}
double capital = sumDebt / TimeLengthMonth;//还款本金是不变的
double interest = 0.0;
interest = (sumDebt - monthIndex * capital) * MonthDebtRate;
return(capital + interest);
}
/// <summary>
/// 显示某个月的下多个月的还款额度
/// </summary>
/// <param name="monthIndex"></param>
/// <param name="showMonths"></param>
/// <returns></returns>
public List <double> ShowPaymentNextTo(DateTime time, int showMonths)
{
var rtnList = new List <double>();
if (OnDebtTime.AddMonths((int)TimeLengthMonth) < time) //如果贷款已经还完
{
for (int i = 0; i < showMonths; i++)
{
rtnList.Add(0);
}
return(rtnList);
}
for (int i = 0; i < showMonths; i++)
{
rtnList.Add(ShowPaymentNextTo(time.AddMonths(i)));
}
return(rtnList);
}
/// <summary>
/// 获取等额本金需要的总还款额
/// </summary>
/// <returns></returns>
public double GetSumPayment()
{
return(PaymentAt(OnDebtTime.AddMonths(-1)) * TimeLengthMonth);
}