/// <summary>
/// 按天计息到期一次性还本息
/// </summary>
/// <param name="billModel"></param>
/// <returns></returns>
public static List <Model.BillDetailModel> GetDetailsByToEnd(Model.BillModel billModel)
{
List <Model.BillDetailModel> details = new List <Model.BillDetailModel>();
Model.BillDetailModel detail = new Model.BillDetailModel();
double interest = 0;
if (billModel.DeadlineType == 1)
{
//按天总利息
interest = Math.Round(billModel.YearRete / 365 * billModel.Deadline * billModel.TotalMoney, 2);
}
else
{
//按月总利息
interest = Math.Round(billModel.YearRete / 12 * billModel.Deadline * billModel.TotalMoney, 2); //总利息
}
detail.ReceivableInterest = interest;
detail.ReceivablePrincipalAndInterest = billModel.TotalMoney + interest;
detail.ReceivableDay = billModel.EndDay;
detail.Periods = "1/1";
details.Add(detail);
return(details);
}
/// <summary>
/// 等额本息还款
/// </summary>
/// <param name="billModel"></param>
/// <returns></returns>
public static List <Model.BillDetailModel> GetDetailsByEveragePrincipalAndInterest(Model.BillModel billModel)
{
List <Model.BillDetailModel> details = new List <Model.BillDetailModel>();
double tlnAcct = 0;
tlnAcct = billModel.TotalMoney;
Model.BillDetailModel detail = null;
DateTime beginDay = DateTime.Parse(billModel.BeginDay);
for (int i = 0; i < billModel.Deadline; i++)
{
detail = new Model.BillDetailModel();
double paybaseAcct = (Math.Pow((1 + billModel.YearRete / 12), i + 1) - Math.Pow((1 + billModel.YearRete / 12), i)) / (Math.Pow((1 + billModel.YearRete / 12), billModel.Deadline) - 1) * billModel.TotalMoney;
detail.ReceivableInterest = tlnAcct * billModel.YearRete / 12; //利息
detail.ReceivablePrincipalAndInterest = Math.Round(paybaseAcct + detail.ReceivableInterest, 2); //还款总额
detail.ReceivableInterest = Math.Round(detail.ReceivableInterest, 2);
tlnAcct = tlnAcct - paybaseAcct;
detail.ReceivableDay = beginDay.AddMonths(i + 1).ToString("yyyy-MM-dd");
detail.Periods = string.Format("{0}/{1}", i + 1, billModel.Deadline);
details.Add(detail);
}
return(details);
}
/// <summary>
/// 月还息到期还本
/// </summary>
/// <param name="billModel"></param>
/// <returns></returns>
public static List <Model.BillDetailModel> GetDetailsByMonthInterestEndPrincipal(Model.BillModel billModel)
{
List <Model.BillDetailModel> details = new List <Model.BillDetailModel>();
double[] depAcctbal = new double[billModel.Deadline]; /*总还款*/
//double[] payrateAcct = new double[bill.Deadline]; /*每月应还利息*/
double interest = Math.Round((billModel.TotalMoney * billModel.YearRete / 12), 2);
Model.BillDetailModel detail = null;
DateTime beginDay = DateTime.Parse(billModel.BeginDay);
for (int i = 0; i < billModel.Deadline; i++)
{
detail = new Model.BillDetailModel();
detail.ReceivableInterest = interest;
if ((i + 1) == billModel.Deadline)
{
detail.ReceivablePrincipalAndInterest = interest + billModel.TotalMoney;
}
else
{
detail.ReceivablePrincipalAndInterest = interest;
}
detail.ReceivableDay = beginDay.AddMonths(i + 1).ToString("yyyy-MM-dd");
detail.Periods = string.Format("{0}/{1}", i + 1, billModel.Deadline);
details.Add(detail);
}
return(details);
}
/// <summary>
/// 等额本金还款
/// </summary>
/// <param name="billModel"></param>
/// <returns></returns>
public static List <Model.BillDetailModel> GetDetailsByEveragePrincipal(Model.BillModel billModel)
{
List <Model.BillDetailModel> details = new List <Model.BillDetailModel>();
Model.BillDetailModel detail = null;
double montyMoney = billModel.TotalMoney / billModel.Deadline;//月还款本金
double SurplusPayment = 0;
DateTime beginDay = DateTime.Parse(billModel.BeginDay);
for (int i = 0; i < billModel.Deadline; i++)
{
detail = new Model.BillDetailModel();
if (i == 0)
{
SurplusPayment = billModel.TotalMoney - montyMoney; //剩余本金
detail.ReceivableInterest = Math.Round(billModel.TotalMoney * (billModel.YearRete / 12), 2); //月利息
}
else
{
detail.ReceivableInterest = Math.Round(SurplusPayment * (billModel.YearRete / 12), 2); //月利息=上个月的剩余本金×利率
SurplusPayment = SurplusPayment - montyMoney; //剩余本金
}
detail.ReceivablePrincipalAndInterest = Math.Round(montyMoney + detail.ReceivableInterest, 2);
detail.ReceivableDay = beginDay.AddMonths(i + 1).ToString("yyyy-MM-dd");
detail.Periods = string.Format("{0}/{1}", i + 1, billModel.Deadline);
details.Add(detail);
}
return(details);
}
/// <summary>
/// 按月计息按季还款
/// </summary>
/// <param name="billModel"></param>
/// <returns></returns>
public static List <Model.BillDetailModel> GetDetailsByMonthInterestSeasonCapital(Model.BillModel billModel)
{
List <Model.BillDetailModel> details = new List <Model.BillDetailModel>();
int curMonth; //当前期数
double curMoney; //当前未还本金
int seasonCount = billModel.Deadline % 3 > 0 ? billModel.Deadline / 3 + 1 : billModel.Deadline / 3; //分成几季
double seasonCapital = Math.Round(billModel.TotalMoney / seasonCount); //每季应还的本金
double interest; //每月应还利息
DateTime beginDay = DateTime.Parse(billModel.BeginDay);
for (int i = 0; i < seasonCount; i++)
{
curMoney = billModel.TotalMoney - seasonCapital * i;
interest = Math.Round((curMoney * billModel.YearRete / 12), 2);
Model.BillDetailModel detail = null;
for (int j = 1; j <= 3; j++)
{
detail = new Model.BillDetailModel();
curMonth = i * 3 + j;
if (curMonth < billModel.Deadline && curMonth % 3 == 0 && curMonth != 0)
{
detail.ReceivablePrincipalAndInterest = interest + seasonCapital;
detail.ReceivableInterest = interest;
}
else if (curMonth < billModel.Deadline)
{
detail.ReceivablePrincipalAndInterest = interest;
detail.ReceivableInterest = interest;
}
else if (curMonth == billModel.Deadline)
{
detail.ReceivablePrincipalAndInterest = interest + seasonCapital;
detail.ReceivableInterest = interest;
}
detail.ReceivableDay = beginDay.AddMonths((i * 3) + j).ToString("yyyy-MM-dd");
detail.Periods = string.Format("{0}/{1}", (i * 3) + j, billModel.Deadline);
details.Add(detail);
}
}
return(details);
}