*

src/Masuit.MyBlogs.Core/Views/Tools/Loan.cshtml

@@ -5,12 +5,12 @@
     ViewBag.Title = "房贷多次提前还款试算模型计算器";
     Layout = "~/Views/Shared/_Layout.cshtml";
 }
-<div class="container">
+<div class="container-fluid">
     <ol class="cd-breadcrumb triangle">
         <li><a asp-controller="Home" asp-action="Index">首页</a></li>
         <li class="current">
             <em>@ViewBag.Title</em>
         </li>
     </ol>
+    @(await Html.RenderComponentAsync<Loan>(RenderMode.ServerPrerendered, new { IP = Context.Connection.RemoteIpAddress.ToString() }))
 </div>
-@(await Html.RenderComponentAsync<Loan>(RenderMode.ServerPrerendered, new { IP = Context.Connection.RemoteIpAddress.ToString() }))

src/Masuit.MyBlogs.Core/Views/Tools/Loan.razor

@@ -5,215 +5,222 @@
 @implements IAsyncDisposable
 @attribute [StreamRendering]
 @inject IRedisClient CacheManager
-<div class="container">
-    <p>当前<span class="text-red online">@online</span>人正在使用本功能</p>
-    <p class="text-red">温馨提示：支持多次提前还款和多次调整利率，同时支持提前还款时变更贷款方式和缩短年限，如有利率调整或提前还款计划，因银行计算受实时利率或提前还款违约金影响，本试算模型的计算结果和银行结果大约有1‰的误差，结果仅供参考，请以银行结果为准</p>
-    <div class="panel panel-info">
-        <div class="panel-heading">贷款基本信息</div>
-        <div class="panel-body">
-            <div class="input-group">
-                <label class="input-group-addon" for="loan">贷款金额</label>
-                <input @bind="LoanAmount" class="form-control" id="loan" placeholder="贷款金额" type="number" min="10">
-                <span class="input-group-addon">万元</span>
-            </div>
-            <div class="input-group">
-                <label class="input-group-addon" for="rate">发放利率</label>
-                <input @bind="Rate" class="form-control" id="rate" placeholder="贷款发放利率" type="number" step="0.1" min="1" max="24">
-                <span class="input-group-addon">%</span>
-            </div>
-            <div class="input-group">
-                <label class="input-group-addon" for="year">贷款年限</label>
-                <input @bind="Year" class="form-control" id="year" placeholder="贷款年限" type="number" max="30" min="2">
-                <span class="input-group-addon">年</span>
-            </div>
-            <div class="input-group">
-                <label class="input-group-addon" for="start">贷款时间</label>
-                <input @bind="Start" class="form-control" id="start" placeholder="贷款发放时间" type="date">
+<p>当前<span class="text-red online">@online</span>人正在使用本功能</p>
+<p class="text-red">温馨提示：支持多次提前还款和多次调整利率，同时支持提前还款时变更贷款方式和缩短年限，如有利率调整或提前还款计划，因银行计算受实时利率或提前还款违约金影响，本试算模型的计算结果和银行结果大约有1‰的误差，结果仅供参考，请以银行结果为准</p>
+<div class="row">
+    <div class="col-md-6">
+        <div class="panel panel-info">
+            <div class="panel-heading">贷款基本信息</div>
+            <div class="panel-body">
+                <div class="input-group">
+                    <label class="input-group-addon" for="loan">贷款金额</label>
+                    <input @bind="LoanAmount" class="form-control" id="loan" placeholder="贷款金额" type="number" min="100000">
+                    <span class="input-group-addon">元</span>
+                </div>
+                <div class="input-group">
+                    <label class="input-group-addon" for="rate">发放利率</label>
+                    <input @bind="Rate" class="form-control" id="rate" placeholder="贷款发放利率" type="number" step="0.1" min="1" max="24">
+                    <span class="input-group-addon">%</span>
+                </div>
+                <div class="input-group">
+                    <label class="input-group-addon" for="year">贷款期数</label>
+                    <input @bind="Period" class="form-control" id="year" placeholder="贷款期数" type="number" max="360" min="2">
+                    <span class="input-group-addon">月</span>
+                </div>
+                <div class="input-group">
+                    <label class="input-group-addon" for="start">贷款时间</label>
+                    <input @bind="Start" class="form-control" id="start" placeholder="贷款发放时间" type="date">
+                </div>
+                <div class="input-group">
+                    <label class="input-group-addon">贷款方式</label>
+                    <select @bind="Type" class="form-control">
+                        <option value="@LoanType.EquivalentInterest">等额本息</option>
+                        <option value="@LoanType.EquivalentPrincipal">等额本金</option>
+                    </select>
+                </div>
             </div>
-            <div class="input-group">
-                <label class="input-group-addon">贷款方式</label>
-                <select @bind="Type" class="form-control">
-                    <option value="@LoanType.EquivalentInterest">等额本息</option>
-                    <option value="@LoanType.EquivalentPrincipal">等额本金</option>
-                </select>
+        </div>
+
+    </div>
+    <div class="col-md-6">
+        <div class="panel panel-danger">
+            <div class="panel-heading">利率调整计划</div>
+            <div class="panel-body">
+                <table class="table table-bordered table-striped">
+                    <thead class="firstRow">
+                        <tr>
+                            <td>调整时间</td>
+                            <td>利率</td>
+                            <td>操作</td>
+                        </tr>
+                    </thead>
+                    <tbody>
+                        @foreach (var (key, value) in RateAdjustments)
+                        {
+                            <tr>
+                                <td>@key.ToString("yyyy-MM-dd")</td>
+                                <td>@value?.ToString("P")</td>
+                                <td>
+                                    <button class="btn btn-danger" @onclick="() => RateAdjustments.Remove(key)">移除</button>
+                                </td>
+                            </tr>
+                        }
+                        <tr>
+                            <td>
+                                <input @bind="AdjTime" class="form-control" placeholder="利率调整时间" type="date">
+                            </td>
+                            <td>
+                                <div class="input-group">
+                                    <input @bind="RateAdj" class="form-control" placeholder="4.2" type="number" step="0.1" min="1" max="24">
+                                    <span class="input-group-addon">%</span>
+                                </div>
+                            </td>
+                            <td>
+                                @if (RateAdj is > 0 and < 20)
+                                {
+                                    <button class="btn btn-info" @onclick="() => RateAdjustments.AddOrUpdate(AdjTime, RateAdj / 100, RateAdj / 100)">添加</button>
+                                }
+                            </td>
+                        </tr>
+                    </tbody>
+                </table>
             </div>
         </div>
     </div>
-    <div class="panel panel-danger">
-        <div class="panel-heading">利率调整计划</div>
+</div>
+<div class="panel panel-success">
+    <div class="font-weight-bold panel-heading">提前还款计划</div>
+    <div class="panel-body">
+        <table class="table table-bordered table-striped">
+            <thead class="firstRow">
+            <tr>
+                <td>提前还款时间</td>
+                <td>提前还款额</td>
+                <td>是否缩短期限</td>
+                <td>变更贷款方式</td>
+                <td>操作</td>
+            </tr>
+            </thead>
+            <tbody>
+            @foreach (var item in PrepaymentOptions) {
+                <tr>
+                    <td>@item.Date.ToString("yyyy-MM-dd")</td>
+                    <td>@item.Amount.ToString("C",CultureInfo.CreateSpecificCulture("zh-CN"))</td>
+                    <td>@(item.ReducePeriod?"是":"否")</td>
+                    <td>@item.ChangeType?.GetDescription()</td>
+                    <td>
+                        <button class="btn btn-danger" @onclick="() => PrepaymentOptions.Remove(item)">移除</button>
+                    </td>
+                </tr>
+            }
+            <tr>
+                <td>
+                    <input @bind="PrepaymentDate" class="form-control" placeholder="提前还款时间" type="date">
+                </td>
+                <td>
+                    <div class="input-group">
+                        <input @bind="PrepaymentAmount" class="form-control" placeholder="100000" type="number" min="5" max="@LoanAmount">
+                        <span class="input-group-addon">元</span>
+                    </div>
+                </td>
+                <td>
+                    <input @bind="PrepaymentReducePeriod" type="checkbox">
+                </td>
+                <td>
+                    <select @bind="PrepaymentLoanType" class="form-control">
+                        <option value="@LoanType.EquivalentInterest">等额本息</option>
+                        <option value="@LoanType.EquivalentPrincipal">等额本金</option>
+                    </select>
+                </td>
+                <td>
+                    @if (PrepaymentAmount > 0) {
+                        <button class="btn btn-info" @onclick="() => PrepaymentOptions.Add(new PrepaymentOption(PrepaymentDate, PrepaymentAmount, PrepaymentReducePeriod, PrepaymentLoanType))">添加</button>
+                    }
+                </td>
+            </tr>
+            </tbody>
+        </table>
+        <p class="text-red">温馨提示：【缩短期限】选项实际银行政策不允许直接调整，需要重新变更贷款合同，该选项勾选可能会和银行新贷款合同的还款计划相差较大，视银行具体情况而定。【缩短期限】与【变更贷款方式】选项同时发生变化时，仅生效变更贷款方式。</p>
+    </div>
+</div>
+<button class="btn btn-info btn-lg" @onclick="Calc">开始计算</button>
+@if (LoanResult.Plans.Any()) {
+    <div class="panel panel-primary">
+        <div class="panel-heading">汇总摘要</div>
         <div class="panel-body">
             <table class="table table-bordered table-striped">
-                <thead class="firstRow">
+                <tbody>
                 <tr>
-                    <td>调整时间</td>
-                    <td>利率</td>
-                    <td>操作</td>
+                    <td>总利息</td>
+                    <td>@LoanResult.TotalInterest.ToString("C",CultureInfo.CreateSpecificCulture("zh-CN"))</td>
                 </tr>
-                </thead>
-                <tbody>
-                @foreach (var (key, value) in RateAdjustments) {
-                    <tr>
-                        <td>@key.ToString("yyyy-MM-dd")</td>
-                        <td>@value?.ToString("P")</td>
-                        <td>
-                            <button class="btn btn-danger" @onclick="() => RateAdjustments.Remove(key)">移除</button>
-                        </td>
-                    </tr>
-                }
                 <tr>
-                    <td>
-                        <input @bind="AdjTime" class="form-control" placeholder="利率调整时间" type="date">
-                    </td>
-                        <td>
-                            <div class="input-group">
-                                <input @bind="RateAdj" class="form-control" placeholder="4.2" type="number" step="0.1" min="1" max="24">
-                                <span class="input-group-addon">%</span>
-                            </div>
-                    </td>
-                    <td>
-                        @if (RateAdj is > 0 and < 20) {
-                            <button class="btn btn-info" @onclick="() => RateAdjustments.AddOrUpdate(AdjTime, RateAdj / 100, RateAdj / 100)">添加</button>
-                        }
-                    </td>
+                    <td>实际支付利息</td>
+                    <td>@LoanResult.ActualInterest.ToString("C",CultureInfo.CreateSpecificCulture("zh-CN"))</td>
+                </tr>
+                <tr>
+                    <td>提前还款/利率调整节省利息</td>
+                    <td>@LoanResult.SavedInterest.ToString("C",CultureInfo.CreateSpecificCulture("zh-CN"))</td>
+                </tr>
+                <tr>
+                    <td>总提前还款</td>
+                    <td>@LoanResult.TotalRepayment.ToString("C",CultureInfo.CreateSpecificCulture("zh-CN"))</td>
+                </tr>
+                <tr>
+                    <td>实际还款总额</td>
+                    <td>@LoanResult.ActualPayment.ToString("C",CultureInfo.CreateSpecificCulture("zh-CN"))</td>
+                </tr>
+                <tr>
+                    <td>总还款期数</td>
+                    <td>@LoanResult.Plans.Count 期</td>
                 </tr>
                 </tbody>
             </table>
         </div>
     </div>
-    <div class="panel panel-success">
-        <div class="font-weight-bold panel-heading">提前还款计划</div>
+
+    <div class="panel panel-info">
+        <div class="panel-heading">还款计划明细：</div>
         <div class="panel-body">
             <table class="table table-bordered table-striped">
                 <thead class="firstRow">
                 <tr>
-                    <td>提前还款时间</td>
-                    <td>提前还款额</td>
-                    <td>是否缩短期限</td>
-                    <td>变更贷款方式</td>
-                    <td>操作</td>
+                    <td>期数</td>
+                    <td>还款日</td>
+                    <td>月供</td>
+                    <td>年利率</td>
+                    <td>月还利息</td>
+                    <td>月还本金</td>
+                    <td>当期提前还款额</td>
+                    <td>当期剩余本金</td>
+                    <td>当期剩余利息</td>
+                    <td>发生变更减少总利息</td>
+                    <td>相当于每月理财收益</td>
+                    <td>贷款类型</td>
                 </tr>
                 </thead>
                 <tbody>
-                @foreach (var item in PrepaymentOptions) {
+                @foreach (var item in LoanResult.Plans) {
                     <tr>
+                        <td>@item.Period</td>
                         <td>@item.Date.ToString("yyyy-MM-dd")</td>
+                        <td>@item.Payment.ToString("C",CultureInfo.CreateSpecificCulture("zh-CN"))</td>
+                        <td>@item.Rate.ToString("P")</td>
+                        <td>@item.Interest.ToString("C",CultureInfo.CreateSpecificCulture("zh-CN"))</td>
                         <td>@item.Amount.ToString("C",CultureInfo.CreateSpecificCulture("zh-CN"))</td>
-                        <td>@(item.ReducePeriod?"是":"否")</td>
-                        <td>@item.ChangeType?.GetDescription()</td>
-                        <td>
-                            <button class="btn btn-danger" @onclick="() => PrepaymentOptions.Remove(item)">移除</button>
-                        </td>
+                        <td>@(item.Repayment<=0?"":item.Repayment.ToString("C",CultureInfo.CreateSpecificCulture("zh-CN")))</td>
+                        <td>@item.Balance.ToString("C",CultureInfo.CreateSpecificCulture("zh-CN"))</td>
+                        <td>@item.RemainInterest.ToString("C",CultureInfo.CreateSpecificCulture("zh-CN"))</td>
+                        <td>@(item.OriginRemainInterest - item.RemainInterest<100?"":(item.OriginRemainInterest - item.RemainInterest).ToString("C", CultureInfo.CreateSpecificCulture("zh-CN")))</td>
+                        <td>@(item.OriginRemainInterest - item.RemainInterest<100?"":((item.OriginRemainInterest - item.RemainInterest) / (LoanResult.Plans.Count - LoanResult.Plans.IndexOf(item))).ToString("C", CultureInfo.CreateSpecificCulture("zh-CN")))</td>
+                        <td>@item.LoanType.GetDescription()</td>
                     </tr>
                 }
-                <tr>
-                    <td>
-                        <input @bind="PrepaymentDate" class="form-control" placeholder="提前还款时间" type="date">
-                    </td>
-                    <td>
-                        <div class="input-group">
-                            <input @bind="PrepaymentAmount" class="form-control" placeholder="100000" type="number" min="5" max="@LoanAmount">
-                            <span class="input-group-addon">万元</span>
-                        </div>
-                    </td>
-                    <td>
-                        <input @bind="PrepaymentReducePeriod" type="checkbox">
-                    </td>
-                    <td>
-                        <select @bind="PrepaymentLoanType" class="form-control">
-                            <option value="@LoanType.EquivalentInterest">等额本息</option>
-                            <option value="@LoanType.EquivalentPrincipal">等额本金</option>
-                        </select>
-                    </td>
-                    <td>
-                        @if (PrepaymentAmount > 0) {
-                            <button class="btn btn-info" @onclick="() => PrepaymentOptions.Add(new PrepaymentOption(PrepaymentDate, PrepaymentAmount * 10000, PrepaymentReducePeriod, PrepaymentLoanType))">添加</button>
-                        }
-                    </td>
-                </tr>
                 </tbody>
             </table>
-            <p class="text-red">温馨提示：【缩短期限】选项实际银行政策不允许直接调整，需要重新变更贷款合同，该选项勾选可能会和银行新贷款合同的还款计划相差较大，视银行具体情况而定。【缩短期限】与【变更贷款方式】选项同时发生变化时，仅生效变更贷款方式。</p>
         </div>
     </div>
-    <button class="btn btn-info btn-lg" @onclick="Calc">开始计算</button>
-    @if (LoanResult.Plans.Any()) {
-        <div class="panel panel-primary">
-            <div class="panel-heading">汇总摘要</div>
-            <div class="panel-body">
-                <table class="table table-bordered table-striped">
-                    <tbody>
-                    <tr>
-                        <td>总利息</td>
-                        <td>@LoanResult.TotalInterest.ToString("C",CultureInfo.CreateSpecificCulture("zh-CN"))</td>
-                    </tr>
-                    <tr>
-                        <td>实际支付利息</td>
-                        <td>@LoanResult.ActualInterest.ToString("C",CultureInfo.CreateSpecificCulture("zh-CN"))</td>
-                    </tr>
-                    <tr>
-                        <td>提前还款/利率调整节省利息</td>
-                        <td>@LoanResult.SavedInterest.ToString("C",CultureInfo.CreateSpecificCulture("zh-CN"))</td>
-                    </tr>
-                    <tr>
-                        <td>总提前还款</td>
-                        <td>@LoanResult.TotalRepayment.ToString("C",CultureInfo.CreateSpecificCulture("zh-CN"))</td>
-                    </tr>
-                    <tr>
-                        <td>实际还款总额</td>
-                        <td>@LoanResult.ActualPayment.ToString("C",CultureInfo.CreateSpecificCulture("zh-CN"))</td>
-                    </tr>
-                    <tr>
-                        <td>总还款期数</td>
-                        <td>@LoanResult.Plans.Count 期</td>
-                    </tr>
-                    </tbody>
-                </table>
-            </div>
-        </div>
-
-        <div class="panel panel-info">
-            <div class="panel-heading">还款计划明细：</div>
-            <div class="panel-body">
-                <table class="table table-bordered table-striped">
-                    <thead class="firstRow">
-                    <tr>
-                        <td>期数</td>
-                        <td>还款日</td>
-                        <td>月供</td>
-                        <td>年利率</td>
-                        <td>月还利息</td>
-                        <td>月还本金</td>
-                        <td>当期提前还款额</td>
-                        <td>当期剩余本金</td>
-                        <td>当期剩余利息</td>
-                        <td>发生变更减少总利息</td>
-                        <td>相当于每月理财收益</td>
-                        <td>贷款类型</td>
-                    </tr>
-                    </thead>
-                    <tbody>
-                    @foreach (var item in LoanResult.Plans) {
-                        <tr>
-                            <td>@item.Period</td>
-                            <td>@item.Date.ToString("yyyy-MM-dd")</td>
-                            <td>@item.Payment.ToString("C",CultureInfo.CreateSpecificCulture("zh-CN"))</td>
-                            <td>@item.Rate.ToString("P")</td>
-                            <td>@item.Interest.ToString("C",CultureInfo.CreateSpecificCulture("zh-CN"))</td>
-                            <td>@item.Amount.ToString("C",CultureInfo.CreateSpecificCulture("zh-CN"))</td>
-                            <td>@(item.Repayment<=0?"":item.Repayment.ToString("C",CultureInfo.CreateSpecificCulture("zh-CN")))</td>
-                            <td>@item.Balance.ToString("C",CultureInfo.CreateSpecificCulture("zh-CN"))</td>
-                            <td>@item.RemainInterest.ToString("C",CultureInfo.CreateSpecificCulture("zh-CN"))</td>
-                            <td>@(item.OriginRemainInterest - item.RemainInterest<100?"":(item.OriginRemainInterest - item.RemainInterest).ToString("C", CultureInfo.CreateSpecificCulture("zh-CN")))</td>
-                            <td>@(item.OriginRemainInterest - item.RemainInterest<100?"":((item.OriginRemainInterest - item.RemainInterest) / (LoanResult.Plans.Count - LoanResult.Plans.IndexOf(item))).ToString("C", CultureInfo.CreateSpecificCulture("zh-CN")))</td>
-                            <td>@item.LoanType.GetDescription()</td>
-                        </tr>
-                    }
-                    </tbody>
-                </table>
-            </div>
-        </div>
-    }
-</div>
+}
 
 @code {
 
@@ -223,26 +230,25 @@
     [Parameter]
     public string IP { get; set; }
 
-    public decimal LoanAmount { get; set; } = 100;
-    public decimal Rate { get; set; } = 4.3m;
-    public int Year { get; set; } = 20;
-    public int Period => Year * 12;
+    public decimal LoanAmount { get; set; } = 1000000;
+    public decimal Rate { get; set; } = 3.9m;
+    public int Period { get; set; }=240;
     public DateTime Start { get; set; } = DateTime.Today;
     public LoanType Type { get; set; }
     public Dictionary<DateTime, decimal?> RateAdjustments = new();
     public List<PrepaymentOption> PrepaymentOptions = new();
     public LoanResult LoanResult { get; set; } = new(0, new List<PaymentPlan>());
 
-    public decimal RateAdj { get; set; } = 4;
+    public decimal RateAdj { get; set; } = 3.3m;
     public DateTime AdjTime { get; set; } = DateTime.Today;
 
     public DateTime PrepaymentDate = DateTime.Today;
-    public decimal PrepaymentAmount=5;
+    public decimal PrepaymentAmount=50000;
     public bool PrepaymentReducePeriod { get; set; }
     public LoanType PrepaymentLoanType { get; set; }
 
     public void Calc() {
-        LoanResult = new LoanModel(LoanAmount * 10000, Rate / 100, Period, Start, Type) {
+        LoanResult = new LoanModel(LoanAmount, Rate / 100, Period, Start, Type) {
             Prepayments = PrepaymentOptions,
             RateAdjustments = RateAdjustments
         }.Payment();