贷款计算

daikuan.php

<?php
//每月月供额=(贷款本金÷还款月数)+(贷款本金-已归还本金累计额)×月利率

$totalMoney = 770000;
$monthCount = 360;

$yuehuankuan= $totalMoney/$monthCount;
$yuehuankuanTotal = 0;

$lixi = 0;      //每个月利息
$lixiTotal = 0; //总利息

$daer = 0;    //大额还款

$yihuan = 0;    //已还款金额
for ($i=0; $i < $monthCount; $i++) {
  $daer = 0;
  if($i!=0 && $i%11 == 0){
    echo "还大额…………\n";
    $daer = 20000;
  }
  $lixi = ($totalMoney - $yuehuankuan*$i - $daer)* (0.049/12);
  if($lixi < 0){
    $lixi = 0;
  }
  $huan = $yuehuankuan + $lixi;

  $yihuan += $huan + $daer;
  $lixiTotal += $lixi;

  echo "第".($i+1)."个月, 还款：".round($huan, 2)."元, 利息：".round($lixi, 2)." 总还款：".round($yihuan, 2)."元，剩余未还：".round(($totalMoney - $yihuan + $lixiTotal),2)."元\n";
  if(($totalMoney - $yihuan + $lixiTotal) < $yuehuankuan){
    break;
  }
}

echo "共还款：".round($yihuan, 2)."\n";
echo "总利息:".round($lixiTotal, 2)."\n";

//30年 56.75
//25年 47.31