本人经过两天的修改,做了进一步完善。各个方法功能逐步完善。但是鉴于自己水平有限,代码中错误还是比较多,代码冗余度还是偏高。欢迎大家提出意见,已供代码进一步完善。希望大家多多帮助。谢谢大家。2019年10月25日21点。
using System; using System.Collections.Generic; using System.Linq; using System.Text; using System.Threading.Tasks; using System.Drawing; using System.Reflection; using System.Net.NetworkInformation;
namespace play { class Program { //短期利率与长期利率 double lowRate = 0; double highRate = 0;
//KeyValuePair<DateTime, >; DateTime dt1 = new DateTime(2015, 3, 1); DateTime dt2 = new DateTime(2015, 5, 11); DateTime dt3 = new DateTime(2015, 6, 28); DateTime dt4 = new DateTime(2015, 8, 26); //贷款金额 static double totalMoney, balance;
static string choice; static string newChoice; //期数 int n; //月供 double payMonth; double rate; double interest; /// <summary> /// 用来构建欢迎界面 /// </summary> void Paint() { Console.WriteLine("***************************"); Console.WriteLine("***************************"); Console.WriteLine("***************************"); Console.WriteLine("欢迎使用房贷计算器"); Console.WriteLine("***************************"); Console.WriteLine("***************************"); Console.WriteLine("***************************");
Console.WriteLine("请按任意键继续"); Console.ReadKey(); Console.Clear(); } /// <summary> /// 按日期选择利率 /// </summary> /// <param name="dt">输入的日期</param> void RateChoose(DateTime dt) { if (dt >= dt4) { lowRate = 0.0275; highRate = 0.0325; } else if (dt >= dt3) { lowRate = 0.03; highRate = 0.035; } else if (dt >= dt2) { lowRate = 0.0325; highRate = 0.0375; } else if (dt >= dt1) { lowRate = 0.035; highRate = 0.04; } else { Console.WriteLine("你输入的日期不在范围内"); Console.ReadKey(); Environment.Exit(0); } } /// <summary> /// 计算月供 /// </summary> void Payment(DateTime dt) { //设置缓冲区高度,即设置显示的最大行数 Console.BufferHeight = 1000; RateChoose(dt); switch (choice) { case "1": { //等额本息,月供计算方法 for (n = 1; n <= 360; n++) {
if (n <= 60) { rate = lowRate; } else { rate = highRate; } //计算月供 double p; p = rate / 12; payMonth = (p * totalMoney * Math.Pow((1 + p), n)) / ((Math.Pow(1 + p, n) - 1)); //利息 interest = n * payMonth; if (n % 2 == 0) { Console.ForegroundColor = ConsoleColor.Blue; } else { Console.ForegroundColor = ConsoleColor.White; } Console.WriteLine("{0}期按揭贷款的月供是{1:0.00}元,总利息是{2:0.00}元", n, payMonth, interest);
} } break; case "2": { //等额本金,月供计算方法 for (n = 1; n <= 360; n++) { if (n <= 60) { rate = lowRate; } else { rate = highRate; } //计算月供 double p; p = rate / 12; payMonth = (totalMoney / n) + totalMoney * p; interest = ((totalMoney / n + totalMoney * p) + totalMoney / n * (1 + p)) / 2 * n - totalMoney; Console.WriteLine("{0}期按揭贷款的首月还款额是{1:0.00}元,总利息是{2:0.00}元", n, payMonth, interest); } } break; } }
/// <summary> /// 月贷计算方法 /// </summary> /// <param name="n">还款期数</param> void Compute(int n) { Console.WriteLine("期次\t\t偿还利息\t\t偿还本金\t\t还款额\t\t剩余本金"); switch (choice) {
case "1": //等额本息法计算房贷 { if (n <= 60) { rate = lowRate; } else { rate = highRate; }
double p; p = rate / 12; payMonth = (p * totalMoney * Math.Pow((1 + p), n)) / ((Math.Pow(1 + p, n) - 1)); for (int i = 1; i <= n; i++) { //string s = i.ToString(); interest = totalMoney * p; double capital = payMonth - interest; totalMoney -= capital; Console.WriteLine("{0}\t\t{1:0.00}\t\t{2:0.00}\t{3:0.00}\t{4:0.00}", i, interest, capital, payMonth, totalMoney); } } break; case "2": //等额本金法计算房贷 { if (n <= 60) { rate = lowRate; } else { rate = highRate; } double p; p = rate / 12; double capital = totalMoney / n; for (int i = 1; i <= n; i++) {
interest = totalMoney * p; payMonth = capital + interest; totalMoney -= capital;
Console.WriteLine("{0}\t\t{1:0.00}\t\t\t{2:0.00}\t\t{3:0.00}\t{4:0.00}", i, interest, capital, payMonth, totalMoney); } } break;
} } /// <summary> /// 计算还款状况 /// </summary> /// <param name="n0">还款期数</param> /// <param name="dt">首次还款时间</param> void Repayment(int n0, DateTime dt) { balance = totalMoney; DateTime dt0 = dt; double rate0; double capital; double p; Console.WriteLine("还款时间\t\t偿还利息\t\t偿还本金\t\t还款额\t\t剩余本金"); switch (choice) { case "1": { RateChoose(dt0); if (n0 <= 60) { rate0 = lowRate; } else { rate0 = highRate; } n = n0; for (int i = 1; i <=n0; i++) { RateChoose(dt); rate = (n0 <= 60 ? lowRate : highRate); if (dt.Year != dt0.Year && rate != rate0)//这里应该有问题? { double p0 = rate0 / 12; double payMonth0= (p0 * totalMoney * Math.Pow((1 + p0), n)) / ((Math.Pow(1 + p0, n) - 1)); double interest0 = balance * p0; double capital0 = payMonth0 - interest0; rate0 = rate; interest = balance * (rate0/12); totalMoney = balance; balance -= capital0; payMonth = capital0 + interest; n =n0 - i+1; Console.WriteLine("{0}\t{1:0.00}\t\t\t{2:0.00}\t\t\t{3:0.00}\t\t{4:0.00}", dt, interest, capital0, payMonth, balance); dt = dt.AddMonths(1); continue; }
p = rate0 / 12; payMonth = (p * totalMoney * Math.Pow((1 + p), n)) / ((Math.Pow(1 + p, n) - 1));
interest = balance * p; capital = payMonth - interest; balance -= capital; Console.WriteLine("{0}\t{1:0.00}\t\t\t{2:0.00}\t\t\t{3:0.00}\t\t{4:0.00}", dt, interest, capital, payMonth, balance); dt = dt.AddMonths(1);
}
} break; case "2": { RateChoose(dt0); rate0 = (n0 <= 60 ? lowRate : highRate); n = n0; for (int i = 0; i < n0; i++) { RateChoose(dt); rate = (n0 <= 60 ? lowRate : highRate); if (dt.Year!=dt0.Year&&rate!=rate0) { rate0 = rate; } p = rate0 / 12; capital = totalMoney / n0; interest = balance * p; payMonth = capital + interest; balance -= capital; Console.WriteLine("{0}\t{1:0.00}\t\t\t{2:0.00}\t\t\t{3:0.00}\t\t{4:0.00}", dt, interest, capital, payMonth, balance); dt = dt.AddMonths(1); } } break; } } /// <summary> ///实现提前还款功能 /// </summary> /// <param name="n">还款总期数</param> /// <param name="dt1">首次还款时间</param> /// <param name="dt2">提前还款时间</param> void Prepayment(int n0,DateTime dt1,DateTime dt2,double money) { balance = totalMoney; DateTime dt0 = dt1; double rate0; double capital; double p; bool flag = false; Console.WriteLine("还款时间\t\t偿还利息\t\t偿还本金\t\t还款额\t\t剩余本金"); switch (choice) { case "1": { RateChoose(dt0); rate0 = (n0 <= 60 ? lowRate : highRate); n = n0; for(int i=1;i<=n0;i++) { RateChoose(dt1); rate = (n0 <= 60 ? lowRate : highRate);
if (dt1.Year != dt0.Year && rate != rate0)//这里应该有问题? { double p0 = rate0 / 12; double payMonth0 = (p0 * totalMoney * Math.Pow((1 + p0), n)) / ((Math.Pow(1 + p0, n) - 1)); double interest0 = balance * p0; double capital0 = payMonth0 - interest0;
rate0 = rate;
interest = balance * (rate0 / 12); totalMoney = balance; balance -= capital0;
payMonth = capital0 + interest; n = n0 - i + 1; Console.WriteLine("{0}\t{1:0.00}\t\t\t{2:0.00}\t\t\t{3:0.00}\t\t{4:0.00}", dt1, interest, capital0, payMonth, balance); dt1 = dt1.AddMonths(1); continue; }
p = rate0 / 12; if (dt2.Year == dt1.Year && dt2.Month == dt1.Month) { balance -= money; totalMoney = balance; switch (newChoice) { case "1": {
n = n0 - i + 1; flag = true; } break; case "2": { double temp = Math.Log((payMonth / (payMonth - totalMoney * p)), (1 + p)); n= (int)Math.Ceiling(temp); n0 = n + i - 1; } break; }
} payMonth = (p * totalMoney * Math.Pow((1 + p), n)) / ((Math.Pow(1 + p, n) - 1));
interest = balance * p; capital = payMonth - interest; balance -= capital; if (flag) { payMonth += money; capital += money; flag = false; } Console.WriteLine("{0}\t{1:0.00}\t\t\t{2:0.00}\t\t\t{3:0.00}\t\t{4:0.00}", dt1, interest, capital, payMonth, balance); dt1 = dt1.AddMonths(1); } } break; case "2": {
} break; } } static void Main(string[] args) {
{ Program p = new Program(); p.Paint(); Console.WriteLine("请选择您的操作!1.房贷计算 2.月供速算 3.还款状况 4.提前还款"); Console.WriteLine("请选择您的还款方式?1.等额本息 2.等额本金"); choice = Console.ReadLine(); Console.WriteLine("请输入你的贷款金额"); totalMoney = Convert.ToDouble(Console.ReadLine()); Console.WriteLine("请输入您贷款的期数"); int number = Convert.ToInt32(Console.ReadLine()); Console.WriteLine("请输入你的首次贷款时间"); DateTime dT = Convert.ToDateTime(Console.ReadLine()); Console.WriteLine("请输入你的提前还款时间"); DateTime dTR = Convert.ToDateTime(Console.ReadLine()); Console.WriteLine("请输入你的还款金额"); double partMoney = Convert.ToDouble(Console.ReadLine()); Console.WriteLine("请选择你要的后续操作!1.减少月供 2.缩短年限"); newChoice = Console.ReadLine(); //Console.WriteLine("你输入的日期是{0},短期利率是{1},长期利率是{2}",dT,p.lowRate,p.highRate); //dT= dT.AddMonths(1); // Console.WriteLine(dT); // p.Repayment(number, dT); // p.Compute(number); // p.Payment(dTR); p.Prepayment(number, dT, dTR, partMoney); Console.ReadKey(); } } } }
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