房贷计算器代码2.0
- 1 using System;
- 2 using System.Collections.Generic;
- 3 using System.Linq;
- 4 using System.Text;
- 5 using System.Threading.Tasks;
- 6 using System.Drawing;
- 7 using System.Reflection;
- 8 using System.Net.NetworkInformation;
- 9
- 10 namespace play
- 11 {
- 12 class Program
- 13 {
- 14 //短期利率与长期利率
- 15 double lowRate = 0;
- 16 double highRate = 0;
- 17
- 18 //KeyValuePair<DateTime, >;
- 19 DateTime dt1 = new DateTime(2015, 3, 1);
- 20 DateTime dt2 = new DateTime(2015, 5, 11);
- 21 DateTime dt3 = new DateTime(2015, 6, 28);
- 22 DateTime dt4 = new DateTime(2015, 8, 26);
- 23 //贷款金额
- 24 static double totalMoney, balance;
- 25
- 26 static string choice;
- 27 static string newChoice;
- 28 //期数
- 29 int n;
- 30 //月供
- 31 double payMonth;
- 32 double rate;
- 33 double interest;
- 34 /// <summary>
- 35 /// 用来构建欢迎界面
- 36 /// </summary>
- 37 void Paint()
- 38 {
- 39 Console.WriteLine("***************************");
- 40 Console.WriteLine("***************************");
- 41 Console.WriteLine("***************************");
- 42 Console.WriteLine("欢迎使用房贷计算器");
- 43 Console.WriteLine("***************************");
- 44 Console.WriteLine("***************************");
- 45 Console.WriteLine("***************************");
- 46
- 47 Console.WriteLine("请按任意键继续");
- 48 Console.ReadKey();
- 49 Console.Clear();
- 50 }
- 51 /// <summary>
- 52 /// 按日期选择利率
- 53 /// </summary>
- 54 /// <param name="dt">输入的日期</param>
- 55 void RateChoose(DateTime dt)
- 56 {
- 57 if (dt >= dt4)
- 58 {
- 59 lowRate = 0.0275;
- 60 highRate = 0.0325;
- 61 }
- 62 else if (dt >= dt3)
- 63 {
- 64 lowRate = 0.03;
- 65 highRate = 0.035;
- 66 }
- 67 else if (dt >= dt2)
- 68 {
- 69 lowRate = 0.0325;
- 70 highRate = 0.0375;
- 71 }
- 72 else if (dt >= dt1)
- 73 {
- 74 lowRate = 0.035;
- 75 highRate = 0.04;
- 76 }
- 77 else
- 78 {
- 79 Console.WriteLine("你输入的日期不在范围内");
- 80 Console.ReadKey();
- 81 Environment.Exit(0);
- 82 }
- 83 }
- 84 /// <summary>
- 85 /// 计算月供
- 86 /// </summary>
- 87 void Payment(DateTime dt)
- 88 {
- 89 //设置缓冲区高度，即设置显示的最大行数
- 90 Console.BufferHeight = 1000;
- 91 RateChoose(dt);
- 92 switch (choice)
- 93 {
- 94 case "1":
- 95 {
- 96 //等额本息，月供计算方法
- 97 for (n = 1; n <= 360; n++)
- 98 {
- 99
- 100
- 101 if (n <= 60)
- 102 {
- 103 rate = lowRate;
- 104 }
- 105 else
- 106 {
- 107 rate = highRate;
- 108 }
- 109 //计算月供
- 110 double p;
- 111 p = rate / 12;
- 112 payMonth = (p * totalMoney * Math.Pow((1 + p), n)) / ((Math.Pow(1 + p, n) - 1));
- 113 //利息
- 114 interest = n * payMonth;
- 115 if (n % 2 == 0)
- 116 {
- 117 Console.ForegroundColor = ConsoleColor.Blue;
- 118 }
- 119 else
- 120 {
- 121 Console.ForegroundColor = ConsoleColor.White;
- 122 }
- 123 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);
- 124
- 125 }
- 126 }
- 127 break;
- 128 case "2":
- 129 {
- 130 //等额本金，月供计算方法
- 131 for (n = 1; n <= 360; n++)
- 132 {
- 133 if (n <= 60)
- 134 {
- 135 rate = lowRate;
- 136 }
- 137 else
- 138 {
- 139 rate = highRate;
- 140 }
- 141 //计算月供
- 142 double p;
- 143 p = rate / 12;
- 144 payMonth = (totalMoney / n) + totalMoney * p;
- 145 interest = ((totalMoney / n + totalMoney * p) + totalMoney / n * (1 + p)) / 2 * n - totalMoney;
- 146 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);
- 147 }
- 148 }
- 149 break;
- 150 }
- 151 }
- 152
- 153 /// <summary>
- 154 /// 月贷计算方法
- 155 /// </summary>
- 156 /// <param name="n">还款期数</param>
- 157 void Compute(int n)
- 158 {
- 159 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");
- 160 switch (choice)
- 161 {
- 162
- 163 case "1":
- 164 //等额本息法计算房贷
- 165 {
- 166 if (n <= 60)
- 167 {
- 168 rate = lowRate;
- 169 }
- 170 else
- 171 {
- 172 rate = highRate;
- 173 }
- 174
- 175 double p;
- 176 p = rate / 12;
- 177 payMonth = (p * totalMoney * Math.Pow((1 + p), n)) / ((Math.Pow(1 + p, n) - 1));
- 178 for (int i = 1; i <= n; i++)
- 179 {
- 180 //string s = i.ToString();
- 181 interest = totalMoney * p;
- 182 double capital = payMonth - interest;
- 183 totalMoney -= capital;
- 184 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);
- 185 }
- 186 }
- 187 break;
- 188 case "2":
- 189 //等额本金法计算房贷
- 190 {
- 191 if (n <= 60)
- 192 {
- 193 rate = lowRate;
- 194 }
- 195 else
- 196 {
- 197 rate = highRate;
- 198 }
- 199 double p;
- 200 p = rate / 12;
- 201 double capital = totalMoney / n;
- 202 for (int i = 1; i <= n; i++)
- 203 {
- 204
- 205 interest = totalMoney * p;
- 206 payMonth = capital + interest;
- 207 totalMoney -= capital;
- 208
- 209 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);
- 210 }
- 211 }
- 212 break;
- 213
- 214 }
- 215 }
- 216 /// <summary>
- 217 /// 计算还款状况
- 218 /// </summary>
- 219 /// <param name="n0">还款期数</param>
- 220 /// <param name="dt">首次还款时间</param>
- 221 void Repayment(int n0, DateTime dt)
- 222 {
- 223 balance = totalMoney;
- 224 DateTime dt0 = dt;
- 225 double rate0;
- 226 double capital;
- 227 double p;
- 228 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");
- 229 switch (choice)
- 230 {
- 231 case "1":
- 232 {
- 233
- 234 RateChoose(dt0);
- 235 if (n0 <= 60)
- 236 {
- 237 rate0 = lowRate;
- 238 }
- 239 else
- 240 {
- 241 rate0 = highRate;
- 242 }
- 243 n = n0;
- 244 for (int i = 1; i <=n0; i++)
- 245 {
- 246 RateChoose(dt);
- 247 rate = (n0 <= 60 ? lowRate : highRate);
- 248
- 249 if (dt.Year != dt0.Year && rate != rate0)//这里应该有问题？
- 250 {
- 251 double p0 = rate0 / 12;
- 252 double payMonth0= (p0 * totalMoney * Math.Pow((1 + p0), n)) / ((Math.Pow(1 + p0, n) - 1));
- 253 double interest0 = balance * p0;
- 254 double capital0 = payMonth0 - interest0;
- 255
- 256 rate0 = rate;
- 257
- 258 interest = balance * (rate0/12);
- 259 totalMoney = balance;
- 260 balance -= capital0;
- 261
- 262 payMonth = capital0 + interest;
- 263 n =n0 - i+1;
- 264 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);
- 265 dt = dt.AddMonths(1);
- 266 continue;
- 267 }
- 268
- 269
- 270
- 271 p = rate0 / 12;
- 272 payMonth = (p * totalMoney * Math.Pow((1 + p), n)) / ((Math.Pow(1 + p, n) - 1));
- 273
- 274 interest = balance * p;
- 275 capital = payMonth - interest;
- 276 balance -= capital;
- 277 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);
- 278 dt = dt.AddMonths(1);
- 279
- 280 }
- 281
- 282 }
- 283 break;
- 284 case "2":
- 285 {
- 286 RateChoose(dt0);
- 287 rate0 = (n0 <= 60 ? lowRate : highRate);
- 288 n = n0;
- 289 for (int i = 0; i < n0; i++)
- 290 {
- 291 RateChoose(dt);
- 292 rate = (n0 <= 60 ? lowRate : highRate);
- 293 if (dt.Year!=dt0.Year&&rate!=rate0)
- 294 {
- 295 rate0 = rate;
- 296 }
- 297 p = rate0 / 12;
- 298 capital = totalMoney / n0;
- 299 interest = balance * p;
- 300 payMonth = capital + interest;
- 301 balance -= capital;
- 302 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);
- 303 dt = dt.AddMonths(1);
- 304 }
- 305 }
- 306 break;
- 307 }
- 308 }
- 309 /// <summary>
- 310 ///实现提前还款功能
- 311 /// </summary>
- 312 /// <param name="n">还款总期数</param>
- 313 /// <param name="dt1">首次还款时间</param>
- 314 /// <param name="dt2">提前还款时间</param>
- 315 void Prepayment(int n0,DateTime dt1,DateTime dt2,double money)
- 316 {
- 317 balance = totalMoney;
- 318 DateTime dt0 = dt1;
- 319 double rate0;
- 320 double capital;
- 321 double p;
- 322 bool flag = false;
- 323 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");
- 324 switch (choice)
- 325 {
- 326 case "1":
- 327 {
- 328 RateChoose(dt0);
- 329 rate0 = (n0 <= 60 ? lowRate : highRate);
- 330 n = n0;
- 331 for(int i=1;i<=n0;i++)
- 332 {
- 333 RateChoose(dt1);
- 334 rate = (n0 <= 60 ? lowRate : highRate);
- 335
- 336
- 337 if (dt1.Year != dt0.Year && rate != rate0)//这里应该有问题？
- 338 {
- 339 double p0 = rate0 / 12;
- 340 double payMonth0 = (p0 * totalMoney * Math.Pow((1 + p0), n)) / ((Math.Pow(1 + p0, n) - 1));
- 341 double interest0 = balance * p0;
- 342 double capital0 = payMonth0 - interest0;
- 343
- 344 rate0 = rate;
- 345
- 346 interest = balance * (rate0 / 12);
- 347 totalMoney = balance;
- 348 balance -= capital0;
- 349
- 350 payMonth = capital0 + interest;
- 351 n = n0 - i + 1;
- 352 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);
- 353 dt1 = dt1.AddMonths(1);
- 354 continue;
- 355 }
- 356
- 357
- 358
- 359 p = rate0 / 12;
- 360 if (dt2.Year == dt1.Year && dt2.Month == dt1.Month)
- 361 {
- 362 balance -= money;
- 363 totalMoney = balance;
- 364 switch (newChoice)
- 365 {
- 366 case "1":
- 367 {
- 368
- 369 n = n0 - i + 1;
- 370 flag = true;
- 371 }
- 372 break;
- 373 case "2":
- 374 {
- 375 double temp = Math.Log((payMonth / (payMonth - totalMoney * p)), (1 + p));
- 376 n= (int)Math.Ceiling(temp);
- 377 n0 = n + i - 1;
- 378 }
- 379 break;
- 380 }
- 381
- 382 }
- 383 payMonth = (p * totalMoney * Math.Pow((1 + p), n)) / ((Math.Pow(1 + p, n) - 1));
- 384
- 385
- 386 interest = balance * p;
- 387 capital = payMonth - interest;
- 388 balance -= capital;
- 389 if (flag)
- 390 {
- 391 payMonth += money;
- 392 capital += money;
- 393 flag = false;
- 394 }
- 395 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);
- 396 dt1 = dt1.AddMonths(1);
- 397 }
- 398 }
- 399 break;
- 400 case "2":
- 401 {
- 402
- 403 }
- 404 break;
- 405 }
- 406 }
- 407 static void Main(string[] args)
- 408 {
- 409
- 410 {
- 411 Program p = new Program();
- 412 p.Paint();
- 413 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");
- 414 Console.WriteLine("请选择您的还款方式？1.等额本息 2.等额本金");
- 415 choice = Console.ReadLine();
- 416 Console.WriteLine("请输入你的贷款金额");
- 417 totalMoney = Convert.ToDouble(Console.ReadLine());
- 418 Console.WriteLine("请输入您贷款的期数");
- 419 int number = Convert.ToInt32(Console.ReadLine());
- 420 Console.WriteLine("请输入你的首次贷款时间");
- 421 DateTime dT = Convert.ToDateTime(Console.ReadLine());
- 422 Console.WriteLine("请输入你的提前还款时间");
- 423 DateTime dTR = Convert.ToDateTime(Console.ReadLine());
- 424 Console.WriteLine("请输入你的还款金额");
- 425 double partMoney = Convert.ToDouble(Console.ReadLine());
- 426 Console.WriteLine("请选择你要的后续操作！1.减少月供 2.缩短年限");
- 427 newChoice = Console.ReadLine();
- 428 //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);
- 429 //dT= dT.AddMonths(1);
- 430 // Console.WriteLine(dT);
- 431 // p.Repayment(number, dT);
- 432 // p.Compute(number);
- 433 // p.Payment(dTR);
- 434 p.Prepayment(number, dT, dTR, partMoney);
- 435 Console.ReadKey();
- 436 }
- 437 }
- 438 }
- 439 }
经过两三天的修改，代码进一步完善。但是鉴于自己水平有限，代码错误之处在所难免。不足之处，希望大家提出宝贵意见，使代码进一步完善。
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