写一个MySql存储过程实现房贷等额本息还款计算(另外附javascript代码)

写一个MySql存储过程实现房贷等额本息还款计算

MySql存储过程代码如下：

	DROP procedure IF EXISTS `calc_equal_interest_proc`;
	DELIMITER $$
	#USE `fn`$$
	CREATE PROCEDURE `calc_equal_interest_proc` (khbh varchar(50))
	LANGUAGE SQL
	NOT DETERMINISTIC
	CONTAINS SQL
	SQL SECURITY DEFINER
	COMMENT '等额本息计算'
	BEGIN
		declare khf0059 varchar(100);  #客户产品编号
		declare khf0067 varchar(100);  #产品产品模板编号
		declare vtkf0007 datetime;      #提款日期 
		
		declare cpf0026 decimal(18,8) default 0.0; #产品金额
		declare cpf0027 int default 0;             #产品周期
		declare cpf0028 decimal(18,8) default 0.0; #产品总利息
		declare cpf0029 decimal(18,8) default 0.0; #产品银行利息
		declare cpf0030 decimal(18,8) default 0.0; #产品风险金池
		declare cpf0031 decimal(18,8) default 0.0; #产品科技及获客
		declare cpf0038 int default 0;             #产品等额本息是否计算是否足月
		declare hky datetime;
		
		declare i int default 0;
		
		declare corpusLeft decimal(18,8) default 0.0; #等额还款之本金
		declare corpusLeftMon decimal(18,8) default 0.0; #等额还款之剩余本金
		declare ratePow decimal(18,8) default 0.0; #每期贷款利率
		declare capMon decimal(18,8) default 0.0; #月供
		declare varerestMon decimal(18,8) default 0.0; #月供利息
		declare corpusMon decimal(18,8) default 0.0; #月供本金
		declare capTotle decimal(18,8) default 0.0; #还款总额
		declare varerestTotle decimal(18,8) default 0.0; #利息总额
		declare corpusTotle decimal(18,8) default 0.0; #利息总额
		declare re int default 0;  
		
		#set cpf0026,cpf0027 = (select ifnull(f0026,0),ifnull(f0027,0) from t0003 where f0002=vtkf0003 limit 0,1);
		select f0059,f0067 into khf0059,khf0067 from t0002 where f0027=khbh limit 0,1;
		select ifnull(f0026,0),ifnull(f0027,0),ifnull(f0028,0),ifnull(f0029,0),ifnull(f0030,0),ifnull(f0031,0)
		 into cpf0026, cpf0027, cpf0028, cpf0029, cpf0030, cpf0031 from t0003 where f0002=(select f0059 from t0002 where f0027=khbh limit 0,1) limit 0,1;
 
		
		set corpusLeft = cpf0026;
		set corpusLeftMon = cpf0026;
		set ratePow = (select pow(cpf0028/12+1,cpf0027)); #每期贷款利率
		set hky = now();
      
		while i < cpf0027 do 
			 set capMon=(corpusLeft*cpf0028/12*ratePow)/(ratePow-1);#月供
			 set varerestMon=(select convert(corpusLeftMon*cpf0028/12,decimal(18,8)));#月供利息
			 set corpusMon=(select convert(capMon-varerestMon,decimal(18,8)));#月供本金
			 set corpusLeftMon=(select convert(corpusLeftMon-corpusMon,decimal(18,8)));#本金余额
			 set capTotle=capTotle + capMon;   #还款总额
			 set varerestTotle=varerestTotle + varerestMon;#利息总额
			 set corpusTotle= corpusTotle + corpusMon;#本金总额
			 set hky =  (select date_format(date_add(hky,interval 1 month), '%Y-%m-20'));
			 #select capMon, corpusMon, varerestMon;
			 #select corpusLeftMon, convert(capMon,decimal(18,2)), convert(varerestMon,decimal(18,2)), convert(corpusMon,decimal(18,2));
			 #select corpusLeftMon, capMon, varerestMon, corpusMon;
			 
			 set hky =  (select date_format(date_add(hky,interval 1 month), '%Y-%m-20'));
			 #select capMon, corpusMon, varerestMon;
			 #select corpusLeftMon, convert(capMon,decimal(18,2)), convert(varerestMon,decimal(18,2)), convert(corpusMon,decimal(18,2));
			 #select corpusLeftMon, capMon, varerestMon, corpusMon;
			 
			 set re = (select count(1) from t0302 where f0003=khbh and F0006=date_format(hky, '%Y-%m-20'));
			 if re<=0 then
				 insert into t0302 (f0003, f0004, f0005, f0006, f0007, f0009, f0010, f0011, f0012, f0013)
				 values(khbh, khf0059, khf0067, date_format(hky, '%Y-%m-20'), convert(capMon,decimal(18,2)), 
						       convert(corpusMon,decimal(18,2)), convert(varerestMon,decimal(18,2)), convert(varerestMon*cpf0029/cpf0028,decimal(18,2)),
								 convert(varerestMon*cpf0030/cpf0028,decimal(18,2)), convert(varerestMon*cpf0031/cpf0028,decimal(18,2))); 
					   #ON DUPLICATE KEY UPDATE f0003=khbh and F0006=date_format(hky, '%Y-%m-20');
			 END IF;
		end while;	


	END$$
	DELIMITER ;
		
        #select * from t0302;
	#call `calc_equal_interest_proc`('C20170725002');

JavaScript代码如下：

			function calculateR(rates,rateMon,corpus)//利率、期限、本金
			{
				var limitTime=rateMon;//贷款期限
				var timeLeft=limitTime;

				var corpusLeft=corpus;//等额还款之本金
				var corpusLeftMon=corpus;//等额还款之剩余本金

				var capMon,corpusMon,varerestMon;
				var capTotle=0,corpusTotle=0,varerestTotle=0;
			
				var sbResultR;
			
				var rate=rates/100/12;

				//sbResultR=createTable(sbResultR);
		
				for(var i=1;i<limitTime;i++)
				{
					var ratePow=Math.pow(rate+1,timeLeft);//每期贷款利率
				
					capMon=(corpusLeft*rate*ratePow)/(ratePow -1);//月供
					varerestMon=corpusLeftMon*rate;//月供利息
					corpusMon=capMon-varerestMon;//月供本金					

					corpusLeftMon-=corpusMon;//本金余额
					capTotle+=capMon;//还款总额
					varerestTotle+=varerestMon;//利息总额
					corpusTotle+=corpusMon;//本金总额
				
					//sbResultR=output(sbResultR,i,capMon,varerestMon,corpusMon,corpusLeftMon,rate*12*100);
				}				
				
				///最后一期									
				varerestMon=corpusLeftMon*rate;//月供利息
				corpusMon=corpusLeftMon;//月供本金	
				
				capMon=varerestMon + corpusLeftMon;//月供
				corpusLeftMon-=corpusMon;//本金余额
				capTotle+=capMon;//还款总额
				varerestTotle+=varerestMon;//利息总额
				corpusTotle+=corpusMon;//本金总额
				
				//sbResultR=output(sbResultR,limitTime,capMon,varerestMon,corpusMon,corpusLeftMon,rate*12*100);

				//sbResultR=output(sbResultR,9999,capTotle,varerestTotle,corpusTotle,corpusLeftMon,0);
				//sbResultR=endTable(sbResultR);
				//document.getElementById("res01_total").value = (Math.round(capTotle*100))/100;//还款总额
				//document.getElementById("res01_ratetotal").value = (Math.round(varerestTotle*100))/100;//利息总额
				//return sbResultR;
			}

calculateR(15, 15, 1000000);