我创建了计算器来根据贷款金额、年利率和每月还款额找到贷款期限。
我的示例数据是:
Loan amount: 1,000,000
Interest Rate: 1.09
Monthly Payment: 1,500
使用此示例数据，我的结果是 85.39yr(s)，答案是正确的，但是当输入 10,000,000.00 时，我得到的是 0.00 结果。为什么我会得到这个结果以及我的代码中有什么问题。
有什么想法或建议吗？谢谢。
我的代码
<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
<html xmlns="http://www.w3.org/1999/xhtml">
<head>
<meta http-equiv="Content-Type" content="text/html; charset=utf-8" />
<title>Term of loan calculator</title>
</head>
<body>
<script type="text/javascript">
jQuery.noConflict();
jQuery(document).ready(function() {
jQuery('#frmCalculate input[type="text"]').on('change', function() {
var val = this.value;
val = val.replace(/,/g, "");
val = number_format(val, 2);
this.value = val;
});
});
//function for formatting number with commas
function number_format(number, decimals, dec_point, thousands_sep) {
var n = !isFinite( + number) ? 0: +number,
prec = !isFinite( + decimals) ? 0: Math.abs(decimals),
sep = (typeof thousands_sep === 'undefined') ? ',': thousands_sep,
dec = (typeof dec_point === 'undefined') ? '.': dec_point,
s = '',
toFixedFix = function(n, prec) {
var k = Math.pow(10, prec);
return '' + Math.round(n * k) / k;
};
// Fix for IE parseFloat(0.55).toFixed(0) = 0;
s = (prec ? toFixedFix(n, prec) : '' + Math.round(n)).split('.');
if (s[0].length > 3) {
s[0] = s[0].replace(/\B(?=(?:\d{3})+(?!\d))/g, sep);
}
if ((s[1] || '').length < prec) {
s[1] = s[1] || '';
s[1] += new Array(prec - s[1].length + 1).join('0');
}
return s.join(dec);
}
function calculate() {
//Term of loan
if (frmCalculate.loan_amount.value != "" && frmCalculate.interest_rate.value != "" && frmCalculate.monthly_payment.value != "") {
var loan_amount = document.getElementById("loan_amount").value;
loan_amount = loan_amount.replace(/,/g, "");
var interest_rate = document.getElementById("interest_rate").value;
interest_rate = interest_rate.replace(/,/g, "");
var monthly_payment = document.getElementById("monthly_payment").value;
monthly_payment = monthly_payment.replace(/,/g, "");
loan_amount = parseFloat(loan_amount.replace(/\s/g, "").replace(",", "."));
monthly_payment = parseFloat(monthly_payment.replace(/\s/g, "").replace(",", "."));
rte = interest_rate / 1200;
pmt = monthly_payment;
amt = loan_amount;
yrs = (Math.log(1 + (rte / (pmt / (amt) - rte))) / Math.log(1 + rte)) / 12;
yrs = yrs * 1000;
yrs = Math.round(yrs);
yrs = yrs / 1000;
document.getElementById('term_value').innerHTML = number_format(yrs, 2);
}
}
</script>
<form action="#" method="post" id="frmCalculate" name="frmCalculate">
<div class="user-prf-box">
<div class="user-prf-inner-bg">
<!--Loan amount-->
<div class="mortage-div-row">
<label class="loan_label" id="lbl_amount" for="loan_amount">
Loan amount
</label>
<span>
<small class="small">
S$
</small>
<input type="text" onchange="customCheck()" class="nput-calc amount_box" id="loan_amount" name="loan_amount">
<div id="amount_value">
</div>
</span>
</div>
<!--Interest rate per annum-->
<div class="mortage-div-row">
<label class="lineheight-normal loan_label" id="lbl_interest" for="interest_rate">
Interest rate per annum
</label>
<span style="line-height:25px;">
<input type="text" maxlength="12" class="input-calc new-input interest_box" id="interest_rate" name="interest_rate" style="display: inline;">
<span id="interest_value">
</span>
<span class="percentage">
%
</span>
</span>
</div>
<!--Term of loan-->
<div class="mortage-div-row">
<label class="loan_label" id="lbl_term" for="term_loan">
Term of loan
</label>
<span style="line-height:25px;">
<input type="text" maxlength="12" class="input-calc new-input term_box" id="term_loan" name="term_loan" style="display: none;" disabled="disabled">
<b><div id="term_value">
</div></b>
<span class="yrcs">
yr(s)
</span>
</span>
</div>
<!--Monthly payment-->
<div style="line-height:25px;" class="mortage-div-row">
<label class="lbl_monthly" id="lbl_monthly_payment">
Monthly payment
</label>
<span class="width-diff">
<span class="lbl_monthly">
S$
<span id="monthly_payment_value">
</span>
<span id="total">
</span>
</span>
<input type="text" value="" class="input-calc new-input monthly_payment_box" id="monthly_payment" name="monthly_payment" style="display: inline; margin-left: 2px;">
</span>
</div>
<div class="btn-regis-div">
<input type="button" onclick="calculate();" value="CALCULATE" class="btnsavedrft calculate" name="loancal">
</div>
</div>
</div>
</form>
</body>
</html>
最佳答案
以 1.09% 的利率和 100 万美元的贷款，每月的利息是
1.09/12/100*10^6=908.33
当贷款为 1000 万美元时，每月利息为 9,083.33 美元。由于每月还款不包括利息，贷款余额增加，贷款永远不会偿还。您的每月付款必须支付应计利息，然后是一些。
关于javascript - 如何根据他们的领域计算贷款期限，我们在Stack Overflow上找到一个类似的问题： https://stackoverflow.com/questions/17293152/