融资试算公式调整

src/modules/calculator/views/detail.vue

@@ -157,12 +157,24 @@ const getResult = (formValueObj) => {
   let monthRate = contractRate / 12;
   let temp = (1 + monthRate);
   let cashflow = []
-
+  let outstandingPrincipal = financeAmount; // 剩余本金
   for (let i = 1; i <= term; i++) {
     // 每月应还利息，每月应还本金，月供, 还款日
-    let interest = (financeAmount * monthRate * (temp ** term - temp ** (i - 1)) / (temp ** term - 1)).toFixed(2)
-    let principal = (financeAmount * monthRate * temp ** (i - 1) / (temp ** term - 1)).toFixed(2)
-    let dueAmount = (financeAmount * monthRate * temp ** term / (temp ** term - 1)).toFixed(2)
+    // let interest = (financeAmount * monthRate * (temp ** term - temp ** (i - 1)) / (temp ** term - 1)).toFixed(2)
+    // let principal = (financeAmount * monthRate * temp ** (i - 1) / (temp ** term - 1)).toFixed(2)
+    // let dueAmount = (financeAmount * monthRate * temp ** term / (temp ** term - 1)).toFixed(2)
+    let interest = (outstandingPrincipal * monthRate).toFixed(2)
+    if(i == 1){
+      interest = 0;
+    }
+    let dueAmount = (financeAmount * monthRate * temp ** (term -1 ) / (temp ** term - 1)).toFixed(2)
+    let principal = dueAmount - interest
+    if(i == term){
+      principal = outstandingPrincipal
+      interest = dueAmount - principal
+    }
+    outstandingPrincipal = outstandingPrincipal - principal
+
     let chargeDueDate = moment(firstRentDay).add(i-1, 'month').format('YYYY-MM-DD')
     cashflow.push({ interest, principal, dueAmount, times: i + "", chargeDueDate })
   }